At a glance
From its website, read 2 Nov 2026Pennsylvania Assistive Technology Foundation is a loan fund based in King of Prussia, Pennsylvania. Its website describes microloans and personal loans. Stated loan amounts run from $100 to $60,000. It says it considers borrowers with low or no credit history. You can start an application online. 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 | (484) 674-0506 source |
|---|---|
| Toll-free | (888) 744-1938 source |
| patf@patf.us source | |
| Apply online | Page with the application link |
| Website | www.patf.us |
| Office (official list) | 1004 West 9th Avenue, King of Prussia, PA 19406 |
What their website says about applying
You can call the office and request an information packet or you can print out one of the following PDFs and mail it in.
sourceyou must submit a quote from your chosen vendor for the device or service you plan to purchase so that we can process your application.
sourceYou have 30 days from when we receive your loan application to submit all the required supporting documents.
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 |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | The interest rate for loans between $100 and $7,000 is 0%. | source |
| Loans (general) | Rate stated, not as an APR: see their wording | The interest rate for loans above $7,000 is 3.75%. | source |
| Loans (general) | Term: see their wording | The maximum loan term for a 0% Mini-Loan is 48 months (four years) | 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
- No or thin credit history considered
we will consider lower credit scores (including no credit) and higher debt-to-income ratios
source - Low or damaged credit considered
we will consider lower credit scores (including no credit) and higher debt-to-income ratios
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) | 8 Oct 2026 |
| RSSD ID | — (none listed) |
| Address | 1004 West 9th Avenue, King of Prussia, PA 19406 Directions (Google Maps) |
| Website | www.patf.us |
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. Low-Interest Loan terms appear only in the FAQ page; the pilot press release is dated January 2021. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | $100 – $7,000 | The interest rate for loans between $100 and $7,000 is 0%. | source |
| Personal / consumer loans | — | PATF is a statewide non-profit organization and a Community Development Financial Institution (CDFI) that provides consumer loans for assistive technology. | source |
Loan sizes
The interest rate for loans between $100 and $7,000 is 0%.
sourcePATF can extend a non-guaranteed Low-Interest Loan up to $60,000.
source
Range used for the size filter: $100 to $60,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Para más información en español,
source
Online application
Yes — the site links to an application. Complete an Application Online
source
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 lend where I live, or where my business is?
Their website does not say which area they serve. - What is the APR, including fees, on your personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - 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$3.7 million in 7 awards from the U.S. Treasury's CDFI Fund, 2012–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program; Disability Funds, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,388,000 |
| 2019 | CDFI Program, Financial Assistance | $450,000 |
| 2019 | Disability Funds, Financial Assistance | $169,000 |
| 2018 | CDFI Program, Financial Assistance | $114,737 |
| 2018 | Disability Funds, Financial Assistance | $300,000 |
| 2014 | CDFI Program, Financial Assistance | $700,000 |
| 2012 | CDFI Program, Financial Assistance | $600,000 |
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.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $3.7M |
|---|---|
| Total liabilities | $275,830 |
| Net assets | $3.4M |
| Total revenue | $1.6M |
| Notes and loans receivable, net (Part X line 7) | $237,421 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 23-2953796, filed as “PENNSYLVANIA ASSISTIVE TECHNOLOGY FOUNDATION”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2023). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $4.7M | $4.2M | $1.8M | $251,409 |
| Jun 2022 (990) | $5.1M | $4.6M | $2.5M | $934,310 |
| Jun 2023 (990) | $3.7M | $3.4M | $1.6M | $237,421 |
Total assets fell 21% from Jun 2021 to Jun 2023; notes and loans receivable fell 6%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $60,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 16% of these 184. |
| Total assets, latest IRS Form 990 | $3.7M | Larger than 25% of the 24 other certified loan funds and venture funds in Pennsylvania with a matched Form 990 (median $8.7M). |
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 16% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Pennsylvania | 24 | larger than 25% |
“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.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in King of Prussia and Pennsylvania
- Appalachian Assistive Technology Loan Fund, Inc.Loan fund · King of Prussia, PAOfficial list only
- ASSETS LancasterLoan fund · Lancaster, PASmall-business loansVerified
- Asian BankBank or thrift · Philadelphia, PACommercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Asian Finanical CorporationBank holding company · Philadelphia, PACommercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- BEECH CAPITAL VENTURE CORPORATIONLoan fund · Philadelphia, PASmall-business loansVerified
- Community First Fund dba FinantaLoan fund · Lancaster, PACommercial real estate loans, Credit-builder loans, Affordable housing development loans, Microloans…Verified
Work at Pennsylvania Assistive Technology Foundation? Link to this page
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