Working Solutions is a nonprofit Community Development Financial Institution that supports underserved San Francisco Bay Area entrepreneurs to start and grow thriving local businesses.  We specialize in start-up and early stage financing for individuals residing in the nine Bay Area counties. We provide:

  • Capital in the form of affordable microloans from $5,000 to $50,000 with fixed, reasonable rates and small business grants.
  • Consulting customized for the needs of our client’s business. Our one-on-one consultations focus on skill-building so that clients can apply what they learn to their businesses in order to achieve long term success.
  • Community connections. We build the confidence of our local business owners, help them connect with their local community members, city services, and other pro bono or low-cost support so that they can thrive and keep our communities diverse, vibrant and full of local flavor.
 Approved to offer SBA loan products under SBA’s Lender/Microloan programs

Approved to offer SBA loan products under SBA’s Lender/Microloan programs

Our Impact

We create economic opportunity and build financial self-sufficiency through entrepreneurship and promote microenterprise growth as a strategy to strengthen the local economy, create jobs and build strong communities. Our loan clients have created or retained nearly 3,000 jobs; 50% of our clients were start ups and 80% in the early stage of their businesses. Visit our About Us page to learn more about the results of our support.

Working Solutions has provided over $16 million in microloans to Bay Area small businesses since 2005. Watch our videos and hear the stories of three of our clients honored at the 2018 Working Solutions Invest in Dreams Breakfast event:

Progeny Coffee

Something Better Foods

The Nectary

Get a Loan
Learn how to qualify and apply for a microloan! We provide $5,000 to $50,000 in capital, as well as other benefits including mentorship and skill building resources. 

Get Connected
Our microloan clients have access to a broad range of free services, from legal advice and expert one-one-one mentorship to networking events and more. 

Get Involved
Learn about the foundations, corporations, and individuals who support our work through financial and volunteer contributions and find out how you can get involved. 

What's New