Our solution
Flexible capital for essential business needs
The Business Essentials Loan provides $500–$2,500 at 0% interest to help entrepreneurs plan for and cover essential business expenses. This loan is designed for practical costs such as equipment, tools, supplies, certifications, insurance, or short-term workspace needs, while also helping establish or improve credit history.
The Business Essentials Loan is a good fit for entrepreneurs who need a smaller amount of capital for foundational business investments and want a guided, supportive lending process.
Ready to get started?
Your first step is a free Discovery Call. This conversation focuses on your business, goals, and timeline, and helps determine whether the Business Essentials Loan is the right fit for your needs.
*ASSETS is authorized to lend in the following Central Pennsylvania Counties: Lancaster, York, Berks, Dauphin, and Lebanon. If your business is located elsewhere, the Community Lending program is unable to assist you at this time.
What This Loan Can Support
Here are real examples of how entrepreneurs use the Business Essentials Loan to plan for essential business costs. These are just examples. Loan use is based on your business goals and planning needs.
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Barbers & Salon Professionals
Replace a chair, upgrade clippers or tools, and cover booth or chair rent while building a steady client base.
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Bakers & Caterers
Pay for food safety certification, purchase ingredients, and invest in basic catering tools needed to take on new orders.
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Photographers & Videographers
Cover camera accessories, editing software, lighting, and marketing materials to prepare for paid client work.
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Mobile Detailers & Cleaning Services
Stock supplies, repair or replace equipment, and secure business insurance to operate consistently and professionally.
Want to Pursue a Loan with ASSETS?
Dive into the details of our loan process from beginning to end, and learn how to start the loan application process!
Learn About the Application Process »
Did you know financial counseling is provided?
Financial counseling is provided to every borrower who receives a business loan through ASSETS.
This includes monthly group meetings and individual financial counseling sessions with expert staff to create plans to improve personal credit and build business financial expertise.
