Government-backed programs, reduced fees, technical assistance, and dedicated lenders supporting minority, women, and veteran business owners.
These aren't just loans—they're comprehensive support systems including mentorship, training, and advocacy. Leres Nito LLC is committed to demystifying the path to capital through programs backed by the SBA, CDFI Fund, and mission-driven lenders committed to inclusive access.
A comprehensive 9-year program providing access to federal contracts, one-on-one counseling, technical training, and preferential access to government lending. Eligibility requires 51% ownership by an individual who is socially and economically disadvantaged (generally a net worth limit of $750K), and the business must be operating for at least two years.
Community Development Financial Institutions (CDFI) serve minority communities with flexible underwriting and a focus on economic development. The SBA Community Advantage program uses mission-based lenders to issue loans up to $250K, often accommodating lower credit scores (620+) and including technical assistance bundled with the financing.
Over 100 centers nationwide provide free or low-cost business training, counseling, access to capital, and extensive networking. While the SBA does not have a separate loan program specifically for women, WBCs are critical in helping women entrepreneurs navigate the application process and connect with women-friendly lenders.
Many foundations and corporate initiatives dedicate grants specifically to close the funding gap faced by women. Programs like the Amber Grant and various corporate grants offer non-dilutive capital.
Explore Women-Focused FundsSecuring the Women-Owned Small Business (WOSB) certification provides federal contracting advantages, opening doors to set-aside contracts and corporate supplier diversity programs that prefer to work with certified enterprises.
The Veterans Advantage initiative waives SBA guarantee fees on 7(a) loans, which saves thousands of dollars (typically $2,500-$7,500+) on standard loans. This essential benefit is available to honorably discharged veterans, service members currently participating in Transition Assistance Program (TAP), and certain spouses.
For a typical $150,000 SBA 7(a) loan, the fee waiver can save a qualified veteran $5,000 in upfront costs, allowing more capital to flow directly into the business.
Calculate Your Potential SavingsThe Veteran-Owned Small Business (VOSB) and Service-Disabled Veteran-Owned Small Business (SDVOSB) certifications are vital for federal contracting. They help translate military experience and discipline into federal contract advantages, offering access to high-value set-asides.
Certification is your gateway to set-aside contracts, corporate supplier diversity programs, and specialized financing. We guide you through the process.
Ensure you have these essentials ready to expedite the process:
Traditional banks aren't always the best fit. Discover Community Development Financial Institutions (CDFIs) and specialized nonprofit lenders dedicated to your success.
Focus: Women and minority entrepreneurs. Provides microloans up to $100K with flexible term structures.
Geographic Reach: NationalFocus: Underserved entrepreneurs seeking startup capital. Offers 0% interest microloans funded by the community.
Geographic Reach: Global/USFocus: Diverse community development. Loans range from $500 to $500K for businesses in various stages.
Geographic Reach: Primarily Southern and Southwestern US
Restaurant Owner, Phoenix, AZ
Facing initial bank rejection, Maria utilized a women-focused CDFI loan and mentorship. She secured $85,000 to open her first location. Today, she runs three successful restaurants and attributes her early success to technical assistance bundled with her financing.
Key Advice: "Don't give up after the first 'no.' Seek out lenders who believe in your mission."
Software Development, Atlanta, GA
Ethan leveraged the SBA 8(a) Business Development Program to secure a $250K SBA loan and gain privileged access to federal contracts. His company grew from 3 to 25 employees in four years, capitalizing on the structure and support provided by the government program.
Key Advice: "The 8(a) program gave us credibility and access we couldn't have achieved conventionally."
Construction Services, San Diego, CA
Sarah, an Army veteran, accessed the Boots to Business program for training and then used the SBA Veterans Advantage to bypass thousands in loan fees. This support allowed her to secure essential heavy equipment financing and build a $3M construction firm primarily hiring other veterans.
Key Advice: "Take full advantage of every veteran benefit—they are designed for us."Specialized applications require specialized preparation. Boost your chances of approval with proven strategies for inclusive lending programs.
Do not apply in isolation. Utilize free counseling from Women's Business Centers (WBCs), Minority Business Development Agency (MBDA) centers, or veteran resource groups before compiling your final application. Counseling significantly increases approval odds.
If you have limited credit history or non-traditional income streams, emphasize the business plan's growth potential and your specific operational control documents. Inclusive lenders evaluate beyond standard FICO scores.
Specialized programs like the 8(a) certification can take several months. Plan your funding needs accordingly. Crucial documentation includes: