At a glance
From its website, read 2 Nov 2026Urban Strategies Inc is a loan fund based in Saint Louis, Missouri. Its website describes microloans and small-business loans. Where it lends: Urban communities nationally. It accepts an ITIN.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.usi-cdfi.org |
|---|---|
| Office (official list) | 100 N. Broadway Suite 1110, Saint Louis, MO 63102 |
What their website says about applying
Start today by submitting a pre-application request to talk with our team.
sourceBelow is a checklist of documents you should be prepared to share during the application process.
sourcePlease note that the documents you must provide will change based on your application, so check with the team!
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 | Interest rates for a USI CDFI loan are up to 8%, and fees vary based on loan size. | 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
- ITIN accepted
We can consider applications from applicants with a Social Security Number (SSN) or an Individual Tax Identification Number (ITIN).
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) | 12 Jun 2020 |
| RSSD ID | — (none listed) |
| Address | 100 N. Broadway Suite 1110, Saint Louis, MO 63102 Directions (Google Maps) |
| Website | www.usi-cdfi.org |
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 2 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: medium. Loan details come from the FAQ page; no minimum loan amount or per-product amounts are stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | — | USI looks at the whole picture when deciding to lend our small business and microloans rather than focusing solely on credit. | source |
| Small-business loans | — | USI looks at the whole picture when deciding to lend our small business and microloans rather than focusing solely on credit. | source |
Loan sizes
Service area
Urban communities nationally
Headquartered in St. Louis and serving urban communities nationally, USI delivers transformation and economic prosperity through data-driven, people-centered strategies, fostering self-sufficiency and resilience.
source
Borrower focus
- Startups
Yes! We lend to businesses that are up and running and aspiring entrepreneurs starting a business.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (2)
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.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - 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.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2022| Total assets | $9.1M |
|---|---|
| Total liabilities | $1.1M |
| Net assets | $8.1M |
| Total revenue | $18.2M |
| Program-related investments (Part X line 13) | $625,019 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2022 (tax year 2022; EIN 43-1141027, filed as “URBAN STRATEGIES INC”), 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 |
|---|---|---|---|
| Dec 2021 (990) | $8.4M | $7.6M | $14.9M |
| Dec 2022 (990) | $9.1M | $8.1M | $18.2M |
Total assets grew 9% from Dec 2021 to Dec 2022. 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 |
|---|---|---|
| Total assets, latest IRS Form 990 | $9.1M | Larger than 36% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 36% |
“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).
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