Economic Justice Loans

Loans to Overcome Systemic Racism & Economic Injustice

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  • 3% Interest
  • Up to $15K
  • No Fees

Best in America Business & Personal Loans

Applying for an Economic Justice Loan is easy - the process can be completed completely online through our portal. No credit score required!


  • 3% Interest APR
  • No Fees
  • Up to 36 Month Term
  • No Prepayment Penalty
  • Ranges $2k – $15k

Loan Use

  • Small Business
  • Personal
  • Community Impact
  • Special Circumstances


Peer Lending Loan Committee by Community Residents

Funds will go to loans that have the greatest impact on underserved communities.

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How It Works

Apply: Tell Us Your Story - Why Do You Need The Loan?
Community Peer Loan Committee Reviews Your Application
Meet With Lending Committee (In-person or Virtual)
Direct Deposit Available for Approved Loans


We declare our right on this earth to be a human being, to be respected as a human being, to be given the rights of a human being in this society, on this earth, in this day, which we intend to bring into existence by any means necessary." — Malcolm X
The fact is that the black man in the United States of America is facing a literal depression. When there is massive unemployment in the black community, it's called a social problem. But when there is massive unemployment in the white community, it's called a depression." — Dr. Martin Luther King Jr.
I will hold America up to the lightning scorn of moral indignation. In doing this, I shall feel myself discharging the duty of a true patriot; for he is a lover of his country who rebukes and does not excuse its sins." — Frederick Douglass


Read All FAQ

Small businesses owners or startup entrepreneurs from, or who have a mission to, assist underserved communities.

There are no application, origination, or processing fees.

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Credit scores are not considered.

Minimum loan $2,000, maximum loan $15,000.

Terms are a ​​maximum of 36 months.

The loan is for any business that positively contributes to underserved communities.

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Funding Partnership

Ludwig Institute for Shared Economic Prosperity

Former Comptroller of the Currency and business leader Gene Ludwig founded The Ludwig Institute for Shared Economic Prosperity (LISEP) in 2019 to examine the plight of low- and middle-income America.  Recognizing that one major problem for lower-income individuals is their inability to access loans without astronomical interest rates and/or fees, LISEP is partnering with NACA to address this issue through an innovative low interest rate loan program. The Economic Justice Loans program will serve as a model for low-interest loans and a necessary alternative to abusive lending options.

Visit LISEP Site

About Naca

The Neighborhood Assistance Corporation of America (“NACA”) is a non-profit, community advocacy and homeownership organization. NACA’s primary goal is to build strong, healthy neighborhoods in urban and rural areas nationwide through affordable homeownership. NACA has made the dream of homeownership a reality for thousands of working people by counseling them honestly and effectively, enabling even those with poor credit to purchase a home or modify their predatory loan with far better terms than those provided even in the prime market.

Visit Naca Site