Equivico - Equivico

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At Equivico, investing is driven by a strategy of inclusion and proof that financial markets can do more to fuel economic growth in underserved businesses and communities. We finance and empower responsible lenders to provide fair credit to small businesses and seek to deliver competitive returns for investors, businesses, and communities alike.

RADICAL FAIR PLAY

69% of small businesses do not receive the financing the seek.

Equivico specializes in private credit in the small business lending market. Why? Small businesses have created 1 out of 3 jobs in the U.S. in the past 25 years. Yet, most of them cannot access the financing they need. Women and people of color business owners face even greater barriers in accessing capital and are often discriminated against when applying for a loan.

4% only of all dollars lent to small businesses go to women. Yet, they own 1 out of 3 businesses and account for $1.3 trillion of revenue in the U.S.

Small business lending is inequitable and harder to access for certain groups of people. Women, minorities, and those in lower-income communities face greater barriers in accessing capital and are often discriminated against when applying for loans.

<50% Black and Latino-owned businesses are less than half as likely as White-owned ﬁrms to be fully approved for loan applications.

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Are you a small business owner?

Get the financing you need to grow or manage your business from one of Equivico’s responsible, fair lender partners. Money you can use to buy new stock, invest in growth plans or just keep your cash flow smooth.

Apply for a loan between

$50,000 – $250,000

Most affordable rates online starting at

8.99%

on 5-year term loans

Loan Calculator

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The interest rate shown is indicative. The actual rate for your business loan may vary and will be determined upon application.

Why borrow from an Equivico lending partner

Equivico works to identify and support only responsible, fair lenders who prioritize the health and success of the business borrower. We have the expertise and commitment to identify the best for you.

IT'S FAIR

Fixed rates for the life of your loan, so you know exactly how much you owe each month. No hidden fees or complicated formulas. Transparency only.

IT'S SIMPLE

Apply online for a small business loan within an hour so you can get back to running your business. Get funding in as little as 3 days.

IT'S RADICAL

At Equivico, our mission of equality and empowerment determines how capital behaves, not the other way around.

You are not alone!

Let’s talk about the solutions your business is seeking and get you a fair, quick and easy loan through Equivico.

We're here to help you grow

Businesses benefiting from Equivico’s financing and philanthropic partnerships

1,000-ACRE MINORITY OWNED FARM OF THE KEOLANUI FAMILY

OK FARMS, HILO, HAWAII

“The financing and the Equivico team’s support enabled our business to continue and expand a sustainable distribution system for the Community Supported Agriculture (CSA) program that we launched during COVID when farms across our community experienced a severe drop in revenues.” Kea Keolanui, the daughter of the founders who works in the family-owned business

READ ABOUT MORE ABOUT THE GRANT PROGRAM HERE

A BLACK WOMAN OWNED FINE CIGAR BAR

WHISKEY & STICKS, NEW ORLEANS, LA

“Owning Whiskey & Sticks means financial freedom and building equity that I can hand down to my son, a legacy of sorts, that I can be proud of. I am creating jobs in an area that, historically, has been a place of economic growth for people of color. Having this loan and access to intellectual resources also allows me to scale up.” – Kelder Summers, owner of Whiskey & Sticks