Youth Microloan Fund

Small loans, big dreams. We provide accessible, low-interest funding to young entrepreneurs who lack traditional access to capital.

Eligibility Requirements

Our loan program is designed specifically for young changemakers. If you meet these criteria, you are ready to apply for the support you need to launch or grow your venture.

Age Requirement

You must be between 18 and 35 years old at the time of application. We prioritize applicants under 30, but exceptional applicants up to 35 are also considered.

Young Enterprise

Your venture must be youth-founded or youth-led, addressing a social, environmental, or economic challenge in your local community. Profit-for-purpose models are welcome.

Financial Need

You must demonstrate genuine need for capital, meaning traditional bank loans must be unavailable or already rejected. We serve those underserved by the formal financial system.

Community Impact

Your venture must show measurable social or environmental impact. We are looking for businesses that create jobs, solve local problems, or strengthen communities.

Repayment Capacity

You must demonstrate a realistic path to repayment within 18 months. We do not require perfect credit scores. We look at cash flow potential and commitment.

Peer Guarantee

Applications are strengthened by peer endorsements. You will need one fellow young leader to act as a reference for your character and business acumen.

Loan Terms

Loan Amount Interest Rate Term Application Timeline
$500 - $2,500 0% - 3% APR 6 - 18 months 2 - 4 weeks
$2,500 - $10,000 3% - 5% APR 12 - 24 months 4 - 6 weeks

Application Process

Our streamlined application process is designed to get you funded quickly so you can focus on growing your venture, not navigating bureaucracy.

01

Apply Online

Submit your application through our online portal. You will need your business plan, financial projections, and two peer references.

02

Pitch Your Venture

Qualified applicants are invited to present their venture to our review committee. This is a supportive environment, not a high-pressure pitch competition.

03

Get Funded

Approved applicants receive funding disbursed in two tranches, 70% upfront and 30% upon reaching initial milestones.

Borrower Stories

Our microloan recipients come from diverse backgrounds, but they all share one thing in common: a vision for positive change in their communities. Meet a few of the young changemakers we have had the privilege of supporting.

Young people in urban communities

From the Neighborhood Up

Young entrepreneurs creating jobs and opportunity right where they grew up.

Youth playing football

Balancing Business and Dreams

Entrepreneurs who also make time for sports, friendship, and community connection.

Changemakers receiving certificates

Celebrating Milestones

Every repayment and expansion is a victory worth celebrating together.

Frequently Asked Questions

Do I need collateral?

No collateral is required. Our model uses peer guarantees and mentorship circles instead of asset-based security to mitigate risk.

What if I have never run a business before?

We encourage first-time founders to apply. Accepted applicants are paired with experienced mentors and join our founder peer groups for ongoing support.

How soon do I hear back?

We aim to respond to all applications within 10 business days. Shortlisted applicants are invited to pitch within 2-4 weeks of submission.

Ready to Apply?

Take the first step toward launching or growing your changemaking venture.

Start Your Application