Allies for Community Business (A4CB) Term & Revenue-Based Loans (Adjacent Capital — NOT a grant incentive)
Allies for Community Business offers term loans and lines of credit from $500 to $500,000, and revenue-based financing from $50,000 to $500,000, subject to underwriting. It serves businesses in Illinois and Indiana and also administers Chicago CCSA grants.
Check an Address — Free Snapshot
Explore location-based incentives alongside Allies for Community Business (A4CB) Term & Revenue-Based Loans (Adjacent Capital — NOT a grant incentive). This program requires a separate review of its business or project requirements.
Published criteria — confirm with Allies for Community Business
- Business located in Illinois or Indiana, or eligible resident operating a home-based or online business
- Lender industry exclusions and underwriting requirements apply
Allies for Community Business (A4CB) Term & Revenue-Based Loans (Adjacent Capital — NOT a grant incentive) is administered at the nonprofit / cdfi level. Depending on the program, eligibility may depend on the specific location, property type, or business activity rather than a single drawn boundary.
Boundaries are precise and change over time, so whether a specific address falls inside a mapped zone always depends on that exact address. The fastest way to check is to run a free snapshot for the parcel you have in mind — mapped coverage is a location signal, not an eligibility determination.
Range on file · Term loans $500–$500K (10–12% + 3% closing); revenue-based $50K–$500K (3% fee, 1.25x max repayment)
Current published terms as of 2026-10-09
- +Term loans: $500–$500,000 at 10–12% interest + 3% closing fee
- +Revenue-based financing: $50,000–$500,000 with 3% commitment fee, max 1.25x repayment cap
- +Personal guarantees required; collateral and additional conditions depend on loan size and product
- +Business technical assistance and coaching alongside lending
- +Ask A4CB how lending and any CCSA grant would work together for the same project
- 1Visit a4cb.org/services/loans/ to review products and start an application
- 2Contact A4CB at (312) 275-3000
- 3Prepare business financials, loan purpose, and revenue documentation
Call A4CB at (312) 275-3000 or visit a4cb.org/services/loans/
- Business financial statements or bank statements
- Tax returns (business and personal)
- Business plan and use-of-funds
- Proof of business registration
This page is a starting point, not eligibility, legal, or tax advice. Verify current requirements, deadlines, and boundaries with the administering agency before applying or spending money — program rules and funding change over time.
- Phone
- (312) 275-3000
- info@a4cb.org
- Web
- Visit site ↗
Last verified 2026-10-09
Kiva US offers 0% interest, zero-fee, zero-collateral crowdfunded loans from $1,000 to $15,000 for small businesses. No minimum credit score; underwriting is based on character and community endorsement. Borrowers must secure a portion of the loan from private lenders (family, friends, colleagues) before the loan goes public for crowdfunding. Repayment terms up to 36 months. Cannabis and gambling businesses excluded.
Greenwood Archer Capital (GAC) is a nonprofit CDFI founded in 2012, South and West Side-focused, offering flexible loans up to $500,000 for established and startup businesses, with a specialized commercial real estate track for owner-occupied acquisitions. Capitalized in part by the Cook County CDFI Capacity Building Grant ($2.4M, 2025).