Low-cost loans from mission-driven lenders
Credit unions, CDFIs and community banks.
Lower interest rates for business loans
We help you figure out which financing option fits your business best, and help you get through the loan approval process from underwriting to closing.
Home improvement contractors
Financing for the work you take on and for the clients who hire you
Women-owned businesses
Lenders actively seeking to deploy capital to women entrepreneurs
Minority-owned businesses
Mission-driven lenders that look past the credit score
Why we're different
Beyond credit scores
Our lenders aren't fixated on credit scores. They take time to evaluate each borrower, considering the full picture when underwriting a loan.
Second-look approvals
Our lender network includes CDFIs and community lenders that regularly work with borrowers previously declined by traditional banks.
Financing solutions for your business
Working capital
Short-term funding to support daily operations, payroll, and cash flow gaps.
Lines of credit
Revolving access to capital you can draw from as needed, paying interest only on what you use.
Inventory financing
Capital to purchase inventory and manage seasonal or growth-related demand.
Equipment financing
Loans designed to acquire or upgrade essential equipment without large upfront costs.
Receivables financing
Unlock cash tied up in outstanding invoices to improve liquidity and cash flow.
Simple process, fast results
Four things that make this simpler than a bank application.
A simple, streamlined application that takes just minutes to complete
Get matched with funding options without impacting your personal credit score
Flexible loan amounts to meet your business needs
Your request moves through our lender network instead of starting over each time
Equal access is an economic necessity
Minority- and women-owned businesses face persistent barriers to conventional bank credit. GenerEdge's borrowers work with mission-driven lenders — CDFIs, credit unions and community banks — whose mandate is fair underwriting for exactly these businesses.
CDFIs
Community Development Financial Institutions are federally certified to serve underserved markets.
Credit unions
Member-owned, not-for-profit, and structured around a defined field of membership.
Community banks
Local underwriting by people who understand the market the business operates in.
Frequently asked questions
How does GenerEdge work?
Our network of mission-driven lenders works to bring accessible business financing to underserved markets of minority- and women-owned businesses. You submit one request, and we match it against the lenders in our network whose criteria and field of membership fit your business.
What are the loan terms for alternative business financing?
Alternative lending is often a better match for small business owners than traditional bank lending. Terms are shorter, the application is simpler, repayment is more flexible, and funding is faster. Actual rates and terms are set by the lender, not by GenerEdge.
Do you charge fees and when are they due?
There are no up-front fees. The fee is only payable if and when the loan closes.
Will applying affect my credit score?
No. Getting matched with funding options does not involve a hard credit pull. A lender may run a credit check later in their own underwriting process, and they will tell you before they do.
Is GenerEdge a lender?
No. GenerEdge is a lending connector. We introduce you to third-party lenders and help prepare and guide your file, but approval, rates and terms are determined solely by the lender.
Apply
A few minutes, and no hard credit pull to get matched.
No hard credit pull
Getting matched with funding options does not affect your personal credit score.
No up-front fees
The fee is only payable if and when the loan closes.
Building something?
Builders should use the application on the home page instead.
Builder applicationConnect me with a lender
If you want to connect with a lending partner who actually understands your business and offers fair, transparent terms, we should talk.
Get started today No obligation. 15 minutes to see whether we are a fit.