• Minority Business Loans

    At Camino Financial, we understand that minority-owned businesses face unique challenges, and we're here to bridge that gap with dedicated financial support. We designed our minority business loans to help entrepreneurs invest in the tools and resources necessary to thrive. Our commitment is to empower communities that have a hard time obtaining commercial financing elsewhere.
    Group of four racially and sexually diverse people
  • Camino Financial Bridges the Gap for Minorities

    At Camino Financial, we're a committed partner in the journey of minority entrepreneurs towards achieving their dreams. We've dedicated ourselves to offering a helping hand where it's needed most.


    Our history of supporting diverse communities speaks volumes, with an open-door policy that welcomes all applicants who meet our criteria. Discrimination has no place at Camino Financial.

  • Camino Financial’s Business Loans for Minorities

    • Varied loan amounts

    • Fixed

      Interest rates

    • Repayment terms

  • Why Apply for a Camino Financial Loan

    Applying for business loans for minorities with us means working with an organization that genuinely understands and values your unique journey as an entrepreneur. We stand out in the financial landscape through our unwavering commitment to inclusivity and support for underrepresented business owners. With Camino Financial, you're not just applying for a loan; you're getting the opportunity to receive approval even if more traditional lenders have said "no."
    Confident entrepreneur at her workstation in a bright office, ready for business opportunities.
  • Our Basic Business Loan Application Requirements

    Have an SSN

    Minimum credit score of 670

    Business in operation for a minimum of 12 months

    Annual sales above $30,000

    Current on outstanding credit obligations

    No filed tax liens, judgments, credit freezes, or bankruptcies in the past 24 months

    Must operate within permitted industries and states

  • Compare Other Financing Options

    AmountLoan Payback PeriodMinimum Score1Min. Time in BusinessMin. Annual IncomeCollateral needed?
    Camino Financial$10,000 - $50,00024 months67012 months$ 30,000NO
    Other Business Term Loans*$10,000 - $30,0003 - 36 months6802 years$ 200,000YES
    Line of Credit*$10,000 - $1MVaries6301 year$ 180,000YES
    Merchant Cash Advance*Up to $500,0003 - 12 monthsN/A1 year$50,000NO
    Invoice Financing*Up to 90% of the invoice valueVaries5001 year$ 130,000YES
  • Benefits of Our Minority Small Business Loans

    ● An entirely online application procedure ● Fixed and competitive interest rates ● We are committed to the safety and privacy of your information ● No extra charges for paying off the loan early ● A world-class customer support team ● Transparent processing fees without any hidden charges
    Two professionals warmly shaking hands in a meeting, signifying a successful funding partnership.
  • image
  • Read What Our Customers Are Saying

    Join 9,000+ people choosing Camino Financial

  • Discover Our Convenient Loan Management

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
  • How To Apply For Small Business Funding

  • FAQs

    Small business loans for minorities are specialized financial products designed to support entrepreneurs from minority groups that are often underbanked. These loans aim to address the challenges and disparities faced by these communities in accessing capital.

    Minority groups often include: - African Americans - Hispanic or Latinos - Asian Americans - Native Americans - Women - Veterans

    In the United States, a business is recognized as minority-owned if it meets certain criteria, which are primarily centered around ownership and control. The business must be at least 51% owned by individuals from recognized minority groups. Additionally, these minority owners must play a central role in the daily management and decision-making processes of the company.

    Yes. As a BBB-accredited business with an A+ rating and an average of 4.2 stars across more than 400  reviews prove it.

    Camino Financial uses the same technology that banks use to protect your private information.

    • Have a Social Security Number (ITIN is not accepted).

    • Business must have been operational for at least 12 months.

    • A credit score of 670 or higher is required.

    • Specialty Trade Contractors with a FICO score of 650 or above.

    • Must have annual sales exceeding $30,000

    • Must be up-to-date on all existing credit responsibilities.

    • No record of tax liens, judgments, credit .freezes, or bankruptcies in the last 24 months

    • Not operating in prohibited sectors.

    • No businesses that have secured an HCD loan within the previous 90 days.

    • Not located in HI, NJ, PR, MI, NV, or the Caribbean Islands.

    No, you need to be a United States citizen with an SSN to qualify for a business loan through Camino Financial.

    No, we cater our business loans to businesses that have established credit history.

    No, we don’t require any type of collateral, only a UCC lien.

  • Keep Reading

    Web interface showing profiles of financial experts, symbolizing online financial consulting services.

    A Guide To Minority Business Loans

    Read more
    Two individuals pointing at a map, indicating strategic planning or global expansion.

    An In-Depth Guide To Latino And Hispanic Small Business Loans

    Read more
    Barista in an apron holding two cups, depicting customer service in the food industry

    Best Small Business Loans For Women: Financing Guide For Female Entrepreneurs

    Read more
    Person carrying a large dollar bill, illustrating financial management or investment concept.

    Funding For Black Owned Businesses: Everything You Need to Know

    Read more
    Hand holding a banknote, representing financial transactions or savings.

    Small Business Loans For Black Women: Best Financing Options And Alternatives

    Read more
  • Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis industries, Adult entertainment, Car dealerships, Credit unions, and other sectors Specialty Trade Contractors require a FICO score of 650 or above. No businesses that have secured an HCD loan within the previous 90 days. Not located in HI, MI, NV, NJ, PR, MA, NY, ND, OH, PA, or TN; plus IN, NE, or WV for Sole Props. *Other loan options are reviewed on a quarterly basis

  • Stay connected

    Join a community of over 40,000 micro-entrepreneurs for access to informative resources, helpful tips, and best practices on growing your business

  • Mission-driven company

    Camino Financial is a nationally certified Community Development Financial Institution (CDFI) with oversight by the U.S. Department of Treasury. By partnering with other mission-aligned organizations, Camino Financial is able to pool and distribute low-cost funding and educational resources to underbanked minority-owned businesses. Camino Financial is headquartered in Los Angeles, California with supporting offices in Mexico City, Mexico.

© 2024 by Camino Financial, Inc. All Rights Reserved. Camino Financial is a Licensed Finance Lender & Broker in California under its subsidiary Salas & Company LLC.
Camino Financial Better Business Bureau A+ accredited businessCloudflare
fundation

11501 Sunset Hills Rd, Reston, VA 20190 | info@caminofinancial.com| Tel (800) 852-0655

NMLS License: Salas & Company LLC #2186459 | CFL License: Salas & Company LLC (DBA Camino Financial) #60DBO-43053

CDFI Certification Number: 181CE054231