Access to Capital

Access to capital is vital for small businesses to grow and thrive. The IRC’s Small Business Program can help small business owners to be better able to access capital through the following services:

  • Work on establishing or increasing your FICO score through credit-building loans and other safe credit products.
  • Be ready to apply for capital by working with a business counselor to develop required documents like business plans and Profit and Loss (P&L) statements.
  • Receive assistance in accessing local loan opportunities through partner lenders.
  • Business counselors can help you understand loan applications and requirements.
  • Apply for capital through IRC’s in-house lending partner, IRC’s Center for Economic Opportunity


Contact us to learn more about screening and referrals to community lenders for business loans, as well as referrals to IRC financial coaches and foundational credit-building loan products.

Available Capital & Grant Opportunities

Go BOLD Grant Initiative 

Deadline: March 9, 2026 

$2,500 micro-grant for bold women entrepreneurs making impact through innovative businesses or nonprofits. Open to U.S. and Canada–based founders age 18+ with an active venture. To apply, submit a 30–60 second Instagram Reel or TikTok explaining what makes your business different and tag @pinkprintfirm with #gopinkgrant. 

Mona Impact Grant 

Deadline: March 16, 2026 

The Mona Small Business Impact Grant is offering one $5,000 unrestricted grant to a U.S.-based small business or nonprofit making a positive impact in their community. Funds can be used flexibly for hiring, equipment, inventory, new initiatives, or general growth. Eligible applicants must have 30 or fewer full-time employees, under $5M in 2025 revenue, and an active website or social media presence. 

Ripple Digital Leap Forward Accelerator 

Deadline: March 18, 2026 

Applications are now open for the Ripple Digital Leap Forward Accelerator, an 8-week virtual program designed to help small businesses level up their digital operations. Participants who complete the program will receive a $10,000 grant, expert-led training on digital tools, automation, payments, marketing, inventory, HR, and financial systems, plus a personalized digital roadmap and capital readiness support. Eligible businesses must be operating for at least one year, generate $100K–$1.5M in annual revenue, employ 1–5 staff, have a website and business bank account, and commit to full participation. 

Verizon $5,000 California Grants 

Deadline: March 31, 2026 

Verizon, in partnership with LISC, is awarding $5,000 grants to 25 California-based small businesses to help sustain and grow their operations. The grant is non-repayable and open to for-profit businesses with a primary address in California. To apply, eligible business owners must complete at least one Verizon Small Business Digital Ready course or event between January 1 and March 31, 2026, then submit their application by March 31, 2026 (11:59 PM PT). 

Secretsos Quarterly Grants 

Deadline: March 31, 2026 

Secretsos is offering several quarterly grant opportunities designed to help entrepreneurs grow their businesses. Small business owners can apply for the Secretsos Small Business Grant, the HVAC Business Grant , or the Native American Grant. Each grant has a $2,500 award. Applicants must be 21+, own an active U.S.-based business, and pay a $15 application fee (waived for Secretsos “Top Secret Funding Blueprint” subscribers). Winners are announced at the end of each grant cycle, with new opportunities available every quarter. 

Hey Helen Grant 

Deadline: April 30, 2026 

The Hey Helen Grant awards one U.S.-based woman founder a $10,000 unrestricted grant to support growth, operations, marketing, hiring, or infrastructure for impact-driven, for-profit businesses. Eligible applicants must own 100% of a women-owned business, be 18+, legally registered in the U.S., and earn under $1M annually (nonbinary founders aligned with the mission are welcome). There’s a $15 application fee. 

Galaxy Grant 

Deadline: April 30, 2026 

Galaxy of Stars and Hidden Star, a 501(c)(3) nonprofit supporting minority and women entrepreneurs, are offering a $3,500 grant to a U.S.-based woman- or minority-owned business; applicants can refer a friend for an additional chance to win if their referral is selected. 

Small Business Readiness for Resiliency Program 

Deadline: Rolling 

The Small Business Readiness for Resiliency (R4R) Program, created by the U.S. Chamber Foundation, helps small businesses prepare for and recover from disasters. Eligible businesses can receive $5,000 relief grants after a state emergency order or disaster declaration. To qualify, businesses must complete an Emergency Preparedness Checklist and Action Plan, operate in the U.S. or its territories, be located in an area under an official emergency declaration, and show at least $5,000 in uncovered disaster-related losses. The program will contact you if a disaster impacts your area. 

Small Certified Supplier Innovative Finance Program 

Deadline: Rolling 

The Small Certified Supplier Innovative Finance Program, co-led by Founders First Capital Partners as part of the Initiative for Inclusive Entrepreneurship, supports certified diverse suppliers in select states with funding readiness training, capital matchmaking, and access to a grant fund totaling $5,000 per selected business. Eligible applicants include certified minority-, women-, veteran-, or LGBTQ-owned businesses with annual revenue between $250K and $10 million, headquartered in states like California, Illinois, New York, Ohio, Tennessee, Texas, and others. The program equips businesses with tools and connections to navigate innovative financing pathways. 

The Amplifier Grant 

Deadline: Rolling 

The Amplifier Grant by The Outrage awards at least $5,000 each season (Winter, Spring, Summer, Fall) to individuals, small businesses, or organizations working to create positive change in the U.S. Applications are accepted on a rolling basis. The grant is open to a wide range of applicants—whether you’re a bakery, afterschool program, grassroots group, nonprofit, high school project, startup, or small business—if you’re actively making a difference in your community, you’re encouraged to apply. 

Awesome Grant 

Deadline: Rolling 

The Awesome Foundation awards $1,000 no-strings-attached grants every month to support creative, bold, or impactful ideas. Open to anyone, the grants are funded by small groups of local trustees who simply want to help bring great ideas to life—no ownership, no catch, just support. 

HerRise MicroGrant 

Deadline: Rolling  

The HerRise MicroGrant, providing $1,000 each month, is available to under-resourced women, including women of color entrepreneurs, across a variety of industries. Women-owned businesses registered in the U.S. can apply by submitting their business pitch and plan. Applications close at the end of each month, with winners announced at the HerSuiteSpot First Friday Mixer the following month. Nonprofits, franchises, direct sellers, authorized resellers, and independent consultants are not eligible. 

Amber Grant 

Deadline: Rolling  

The Amber Grant, founded by WomensNet in 1998, awards a monthly $10,000 grant to women pursuing business dreams. The application process is simple—applicants share their story authentically, and all business dreams, regardless of size, are welcome. A $15 processing fee is associated with each application. Grant winners are announced by the 23rd of the following month. 

IRC’s Center for Economic Opportunity (CEO)

The International Rescue Committee’s Center for Economic Opportunity (CEO) is a non-profit lender specializing in making small-dollar loans. CEO is a certified by the U.S. Treasury as a national Community Development Financial Institution (CDFI). CEO does not charge any late fees and is flexible with modifying loans or deferring payments to help clients protect their credit and overcome financial turbulence. Some products and rates that are available CEO include:

  • Credit Building loans of up to $1,000 with 0% APR
  • Business loans of up to $50,000
  • Digital Buddy Loans up to $2,500 with 0% interest

Learn more about CEO by visiting www.irc-ceo.org.