At a glance
From its website, read 2 Nov 2026Mission Community Loan Fund LLC is a loan fund based in San Francisco, California. Its website describes small-business loans. Stated loan amounts run from $5,000 to $10,000. Where it lends: All nine Bay Area counties (San Francisco Bay Area). The business loan rate it states is 11%. It says it considers borrowers with low or no credit history. It accepts an ITIN. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (415) 282-3334 source |
|---|---|
| loans@medasf.org source | |
| Website | medasf.org/programs/fondo-adelante-community-loan-fund |
| Office (official list) | 2301 Mission Street Suite 301, San Francisco, CA 94110 |
What their website says about applying
we will get back to you with the next steps to start your loan application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Small-business loans | Rate: 11% | Interest Rates: 11% fixed | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
No minimum credit score required
source - No or thin credit history considered
regardless of credit history or immigration status
source - ITIN accepted
ITIN holders encouraged to apply
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 2301 Mission Street Suite 301, San Francisco, CA 94110 Directions (Google Maps) |
| Website | medasf.org/programs/fondo-adelante-community-loan-fund |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Housing and financial-coaching pages describe services rather than lending; loans are applied for by emailing loans@medasf.org. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-business loans | $5,000 – $10,000 | Loan Amounts: $5,000 – $10,000 | source |
Service area
All nine Bay Area counties (San Francisco Bay Area)
Serving all nine Bay Area counties, our lending program goes beyond financing.
source
Counties this matches: Alameda County, CA, City and County of San Francisco, CA, Contra Costa County, CA, Marin County, CA, Napa County, CA, San Mateo County, CA, Santa Clara County, CA, Solano County, CA, Sonoma County, CA
Borrower focus
- Immigrants
Fondo Adelante offers low-interest loans and free business consulting to entrepreneurs across the nine Bay Area counties—regardless of credit history or immigration status.
source
Languages
- Spanish
We pair every loan with expert business coaching in English and Spanish
source
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.5 million in 6 awards from the U.S. Treasury's CDFI Fund, 2017–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Program, Financial Assistance | $381,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $400,000 |
| 2019 | CDFI Program, Financial Assistance | $450,000 |
| 2018 | CDFI Program, Financial Assistance | $300,000 |
| 2017 | CDFI Program, Financial Assistance | $168,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $10,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 1% of these 184. |
| Business loan rate its website stated (2 Nov 2026) | 11.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 4 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 1% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Small-business loans (this lender states from 11.00%): Excite Credit Union from 7.50% (50 mi, read 2 Nov 2026); TMCCommunityCapital from 9.50% (9 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.
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- Mission Asset FundLoan fund · San Francisco, CAOfficial list only
- Northeast Community Federal Credit UnionCredit union · San Francisco, CASmall-business loansVerified
- REDF Impact Investing FundLoan fund · San Francisco, CACommercial real estate loans, Small-business loansVerified
- San Francisco Housing Accelerator Fund, TheLoan fund · San Francisco, CAAffordable housing development loansVerified
- Working Solutions CDFILoan fund · San Francisco, CASmall-business loansVerified
Work at Mission Community Loan Fund LLC? Link to this page
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