Frequently Asked Questions


What is Connect2Capital®?

Connect2Capital is an online lending platform powered by Community Reinvestment Fund, USA (CRF), based in Minneapolis, MN . CRF is a national, non-profit organization whose mission empowers people to improve their lives and strengthen their communities through innovative financial solutions. Founded in 1988, CRF has provided more than $2.1 billion in loans, investments and bonds and created more than 73,000 jobs.

If I have been turned down by a bank, can you help me?

Because we take the time to look at the story behind the numbers, we are many times able to say “yes” when traditional funding sources can’t. The loan that’s not perfect for them, may be a perfect fit for us.

How do I apply?

Click here to fill out our pre-qualification form, which takes less than 5 minutes

What kinds of businesses can receive loans from you?

We help small, for-profit businesses access the funds they need to grow and create jobs.

Are you a Merchant Cash Advance Company?

No, Connect2Capital is not a merchant cash advance company. We are a cash flow lender, meaning we base our decision off of a business' demonstrated and projected ability to repay the loan. Our loans are true small business term loans. We do not offer lines of credit.

What type of loan can I get from you?

We currently offer the CRF SBA Advantage Loan (previously known as SBA 7(a)). The benefit of the CRF SBA Advantage Loan is that it generally offers the best interest rates and the longest amount of time available for repayment, meaning your monthly payments are lower. If you are not a good candidate for this type of loan, we may be able to refer you to one of our local, non-profit lending partners.

Where does Connect2Capital work?

Connect2Capital offers SBA Advantage Loans in all 50 states.

How much money can I borrow?

Connect2Capital offers small business loans from $50,000 - $4 million.

Why Refinance Debt?

Refinancing current loans that have high interest rates or other unfavorable terms is a useful tool to improve your business' cash flow.

What is Predatory Lending?

Unfortunately there are online lenders who charge exorbitant rates and fees, which is considered predatory. This can make their loans so expensive that a business can't keep up with the payments. As a non-profit lender, our goal is to ethically and responsibly provide you with the loan that is right for your business.

What can I use my loan for?

Our small business loans can be used for purposes such as:

  • owner occupied commercial real estate and leasehold improvements,
  • business equipment,
  • refinancing existing debt,
  • buying a business,
  • and permanent working capital.

Is my information safe when applying online?

Our online loan application is highly secure. We do not sell any of your information and we take great care in protecting our customers' information.

What if I don’t qualify?

You may still have options through Connect2Capital. In addition to our small business loans, we partner with a network of non-profit organizations who provide financing and business advisory services.

What is the length of your loans?

Depending on what is being financed, our loan terms can be as long as 25 years, keeping your monthly payment low.

What interest rates do you charge?

SBA loans generally offer the best interest rates and the longest amount of time for repayment. Our interest rates are prime plus 2.75%. You never pay all of the interest up front and there are no hidden fees.

What level of customer service can I expect?

With many online lenders, you never speak with an actual person. At Connect2Capital one of our experienced team members will be with you every step of the way.

How do I contact Connect2Capital?

You contact Connect2Capital by any of the methods on our Contact Us page