Small Business and Non-Profit Finance

Bridging capital gaps through lending.

The Western Reserve Community Fund (WRCF) strives to empower, educate and assist businesses and non-profit organizations through low-cost flexible financing, development services and financial guidance.

Visit Our Lending Portal

Founders of Nosh Butters posing for a photo

Eligibility

To qualify for a loan from WRCF, you must meet the following criteria:

Located in Summit, Stark, Portage, Medina or Wayne counties
Credit Score of 500+
Startup or existing small business
Non-profit with at least 2-year track record

How we Help

Loans

Whatever your financing needs, wherever you are on your journey, we are here to help you find the capital solution you need to achieve your goals.

Amounts: $10,000—$500,000
Interest rates: 4% or below

Eligible uses:

Real estate (commercial or housing):
- Property acquisition
- New construction
- Renovation
- Tenant build-out
Other:
- Start-up costs
- Working capital—payroll, inventory, etc.
- Equipment purchases
- Line of credit
- Debt refinance (for loans above 17% interest rates)
- Bridge financing

Financial Guidance and Workshops

Our development services and funding model is designed to help your business/organization grow. We offer one-on-one sessions and workshops/webinars to support you through many financial management processes and skills. Whether or not you want a loan, we are here to help.

Upcoming Events and Webinars

Want a one-on-one session to work on your financial management skills? Fill out the contact form, and we’ll reach out to schedule a session. WRCF works in partnership with many support organizations across our region. Access our list of resources.

WRCF Impact stories

Here are a few ways we’ve helped our clients find success.

WRCF

Cosmétique West Beauty Salon

With a $25,000 loan from WRCF, Cosémetique West Beauty Salon was able to complete renovations to their salon in the heart of the Copley Road business district (Akron, OH) and start a reserve for future expenses. This family-owned salon is co-owned by sisters who have built more than a salon—they’ve created a platform for small business growth and cultural expression.

WRCF

Love Like Crazy Flooring

With a $60,000 Line of Credit from WRCF, Love Like Crazy Flooring has been able to expand their small business (husband/wife team) from residential to commercial flooring projects as well as grow their business steadily to become a “preferred contractor” for various companies within Summit County.

Get in Touch

Please let us know how we can help, what you’re interested in, and a bit about your business.

Reason for Inquiry(Required)

Name(Required)

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Is your business for profit or non-profit?(Required)

For Profit

Non-profit

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Which is your primary need?(Required)

Briefly describe the goods and/or services your business provides(Required)

What stage your business is in?(Required)

Imagining

Start-Up (Less than 1 year)

Growth (1-3 yrs.)

Established (Over 3 yrs.)

Were you referred by anyone?

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The Western Reserve Community Fund does not discriminate against any person based on age, color, creed, disability, familial status, national origin, race, religion, sex or on any other basis legally prohibited by or protected by Federal or State law. We do not exclude anyone from participation in programs and services, or deny persons the benefits thereof, or subject anyone to discrimination on the grounds of race, color, national origin, sex, age, or disability.

Anyone with questions, concerns, comments, or requests for accommodation, whether from employees or clients, should call our office at 330-762-2776. You may view information on how to file a complaint here. You may also view WRCF’s Language Access Plan here.