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As with all entrepreneurs, minority business owners have had to endure an ever-changing market and day-to-day obligations. Between purchasing new inventory, increasing employees and moving to a different location –running a business requires cash flow, and quite often, that means borrowing.

The number of minority businesses in the United States has increased substantially, nearly doubling over the last decade. According to research from The Business Journals, there were more than 11MM minority-owned companies in the United States as of 2017. With so much expansion in this sector, you would think it would be simple to get financing, but this is not always the case.

In order to be eligible for the “minority business” classification, the company must be at least 51% owned and operated by an individual who is a member of either an ethnic group or social minority. As an ethnic minority, an eligible individual is at least 25% Asian, Black, Hispanic, or Native American, according to the National Minority Supplier Development Council (NMSDC), which certifies or confirms to the government and corporations that a business is truly minority-owned. Qualifying minority participants may be Caucasian, but they’re at a slight disadvantage to income, education, or physical conditions that place them in a social minority.

Why Use ViewRidge Funding?

From working capital loans to funding options for equipment, minority business owners are sure to find a financing solution that meets their needs. We know that many business owners are short on time, which is why we make our applications short and straight to the point. Our convenient, one-page application has no commitments or obligations on the part of the borrower. In addition to our easy application, you can count on speedy approval for qualified borrowers.

FAQ: Minority-Owned Business Loans

What can I use my Minority Working Capital Business Loan for?

You could use business loan funds for just about everything that your business needs. This includes everyday expenses like payroll or office supplies and equipment. It also includes big purchases, such as a new storefront lease.

Is a business plan needed to apply for a loan?

No, with ViewRidge Funding, you do not need to show your business plan to get the loan approved. We look at how your business is performing and where you’re going to dictate if you’re going to qualify for a working capital loan.

Can I get a working capital loan with bad credit?

Business owners with less than perfect credit are sometimes concerned about finding funding for their business. Traditional lenders often require a high credit score to be considered for a working capital loan. Fortunately, there are options for minority business owners with bad credit using alternative lenders such as ViewRidge Funding.

Get Started

It’s easy to get the financing or equipment you need. Just fill out the form below, or phone us at 888-241-7241 from 7:30am – 4:00pm Pacific Time.

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“My experience was exceptional. I would recommend them to any business looking for some extra capital to grow their business. Jonathan and Dave were instrumental in making this a great experience.”
Jason, Miami, FL
“Working with the company has been a great experience. They came through in time of need with funds quickly, and provided terms and rates that are fair to work with. Thanks again!”
Dan, Willowbrook, IL
“I would recommend them to any small business owner in need of financial assistance! Justin is professional, personable and most importantly efficient in taking care of business. I have used them more than once and have never been disappointed. Thank goodness I have them to fall back on in times of need.”
Patricia, Burlington, WA