Dream Builders Loan

We can help with your dreams - even if you face obstacles.

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Most banks look for a reason to say no. Holy Rosary Credit Union looks for a way to say yes.

Dream Builders Loans provide small-dollar business loans to owners who face challenges like insufficient collateral, insufficient down payment funds, and past credit challenges.

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Credit Score

We recognize that life events impact credit. We look at what’s going well for you, too.

Collateral

Trouble with equity? We look at other forms of collateral.

Cash Flow

If you’ve not been in business long or have a plan to improve after challenges, we want to see that plan!

Compassion

In difficult times, we can provide payment relief*.

Continuing Ed

We provide free education workshops on various topics, such as marketing, budgeting, etc.

 

 

Guidelines:

  • Does not apply to nonprofit businesses, for loans to purchase or rehab investment real estate properties, or for those businesses requesting lines of credit.
  • Limited to loans of $60,000 or less.
  • Businesses must have been active for at least 6 months.
  • Anyone who owns 20% or more of the business AND anyone who has a significant management role in the company must personally guarantee the debt.

*Deferment will extend the term of the loan.