Equivico - Equivico

Unlocking growth
where traditional finance looks away

Financing the next generation
of credit systems

At Equivico, we finance lenders building credit systems that unlock value where legacy models fall short. We provide liquidity and capital across the stack, market insight and network access to platforms expanding smarter, fairer credit for overlooked businesses and households—proving that inclusion can drive superior growth.

RADICAL FAIR PLAY

69% of small businesses do not receive they 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.

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

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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.

Let's talk about how we can fuel your growth

Whether you need liquidity, growth capital or market know-how, Equivico structures flexible solutions that support how modern lenders actually scale.

We're here to help you grow

Businesses benefiting from Equivico’s financing and philanthropic partnerships