Our loans
Small business loans from a nonprofit lender
We are a nonprofit lender. Since 1991, we have helped small business owners grow, with capital and coaching along the way.
- Founded in 1991
- Loans up to $100,000
- No upfront fees
Choose your loan
Which Ascendus loan fits your business?
We offer four ways to borrow: a term loan, a line of credit, a credit-building program and a loan for childcare providers. Choose the one closest to what you need to see the details.
-
Business Term Loan
Up to$100,000
For growth, equipment and renovations.
-
Business Line of Credit
Up to$50,000
For short-term cash flow, when you need it.
-
Get Ready Program
Starts at$1,000
Build your business credit, with one-on-one coaching.
-
Childcare Business Loan
Up to$25,000
For licensed home-based childcare providers.
Not sure which one fits?
Read the answers to common questions, or call us and we’ll help you choose.
Client stories
What our loans made possible
Our clients, in their own words.
-
Business loan & line of credit
Hired, restocked and launched a mobile plant trailer
Quontay TurnerEmerald City Plant Shop · Norwood, MA
Without the support from Ascendus, I don’t know that I would still be standing here and have my shop.
-
Childcare loan
From 6 to 16 children in her care, and a 90-point credit jump
Ybelia AlmonteDCAG Daycare · Bronx, NY
Since my first loan with Ascendus, I have increased my staff, the number of children I can serve, and raised my credit score by 90 points.
-
Get Ready Program
From a $500 to a $5,000 credit line in under three months
Myesha RadneyEaston’s Virtual Consulting · Detroit, MI
Not only did I get better credit, but I learned to keep that credit up.
Questions? We’re here for you.
At Ascendus, we make the loan process clear, supportive, and as simple as possible—so you can focus on growing your business.
Important note: loan terms and conditions may change based on program guidelines. We’ll confirm final details during the review process.
Our impact · Since 1991
Capital that helps small businesses move up.
Figures as of December 2025. Sources: our Annual Report 2025, our lending data and our 2026 brochure.
- Capital deployed
- $435M+
- Entrepreneurs served
- 62,000+
- States served
- 49
- Years of mission
- 35+