Working Solutions CDFI

What their website says about applying

• Apply in 3 steps: source
• After submitting the application, you will be asked to upload support documents (financial, legal, and planning) relating to your business. 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.

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.

• Low or damaged credit considered No minimum revenue or credit score & no collateral required source
• Collateral flexible or not always required No minimum revenue or credit score & no collateral required source
• ITIN accepted Working Solutions serves entrepreneurs who have a Social Security Number (SSN) or Individual Tax Identification Number (ITIN), regardless of citizenship, residency, or documented status. source

Only rules the lender's own pages state. Other requirements may apply.

Read 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. Main Street Launch, a sister organization whose larger and SBA loans are not offered by this lender, was excluded. Terms change — confirm with the lender before applying.

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.

1. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
2. 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.

End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 91-1951777, filed as “WORKING SOLUTIONS CDFI”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). 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

Total assets grew 10% from Sep 2021 to Sep 2023. 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).

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%): TMCCommunityCapital from 9.50% (8 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. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.

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