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Your Partner In Financing

Not Just A Lender

Your Partner In Financing

Your business is one of a kind. It has unique needs, challenges, and goals. That’s why we work closely with you to find the best financing for your situation.

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Are You Eligible For a Small Business Loan With Wacif?

Located in DC, Montgomery County (MD), Prince George’s County (MD), Arlington County (VA)​, City of Alexandria (VA), Fairfax County (VA), or City of Fairfax (VA).

You (owner) are a US citizen, legal permanent resident, or have a valid work visa.

You’ve filed federal income taxes with the IRS (business or personal).

You have a business bank account.

You’ve been in business for at least one year.

Your business revenue was $50,000+ during the previous fiscal year.

You’re NOT a nonprofit (except for child care centers), an unregistered business, or a Limited Cooperative Association.

Your business does NOT fall within this list of

  • Wacif cannot lend to businesses in the following industries:
    • Lobbying or politically-focused businesses;
    • Any speculative business (such as oil wildcatting);
    • Any business that presents live performances of a prurient sexual nature; or derives directly or indirectly more than 5 percent of gross revenue through the sale of products or services, or the presentation of any depictions or displays, of a prurient sexual nature;
    • Any businesses teaching, counseling or indoctrinating religion or religious beliefs;
    • Any pyramid sale distribution plan;
    • Gambling (including legal);
    • Any financial business primarily engaged in lending, or loan packagers earning more than one third of their gross annual revenues from packaging SBA loans;
    • Life Insurance companies;
    • Any business engaged in illegal activity;
  • Wacif additionally prohibits borrowers from the following industries:
    • Tanning salons
    • Cannabis businesses
    • Pawn shops
    • Astrology, palm reading
list of restricted industries
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Wacif Offers Term Loans & Lines of Credit Between $10,000 & $250,000

No Prepayment Penalty | No Minimum Credit Score

Schedule your one-on-one appointment with a Wacif funding specialist to get the ideal financing terms for you and your business.

Maryland Businesses

If your business is in Montgomery County or Prince George's County, please use this link to schedule your appointment.

Book Your Appointment
Washington, DC Businesses

If your business is in Washington, DC, please use this link to schedule your appointment.

Book Your Appointment
Viriginia Businesses

If your business is in Arlington County​, the City of Alexandria, Fairfax County, or the City of Fairfax, please use this link to schedule your appointment.

Book Your Appointment

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Free Services

The Washington Area Community Investment Fund (Wacif) is a leading Community Development Financial Institution (CDFI). We provide technical assistance to entrepreneurs for free.


Serving the DC Area

We promote equity and economic opportunity to underserved neighborhoods within the Washington, DC region.

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45.7M+

Flexible Financing

We’ve raised more than $45.7 million in flexible financing for local small businesses and affordable housing development.

Client Stories

“Wacif was so helpful in helping my business obtain a loan. Due to my credit, I was not able to obtain a traditional loan, and Wacif was able to assist me throughout the whole process. I worked with Isaac, who was always on top of everything and made me feel comfortable. I was able to get enough to help me with expansion and product development. This process was simple and seamless. I would highly rate Wacif and my experience with them.”


Briana Whatcott
Minte

Our Impact Over 35 Years

Wacif has partnered with public and private institutions and individuals to invest in our shared community and drive equity and opportunity throughout the Washington, DC metropolitan area.

+
jobs created or retained
+
technical assistance hours
+
entrepreneurs served
$
grants and loans dispersed