Access to capital can be a major barrier in starting or expanding a business. We offer several means to gaining capital and assets for your business (click for more information on each form of financing):

 To be eligible for capital through our program, participants must first successfully complete the Washington C.A.S.H. Business Development Training. To sign up, please visit our Get Enrolled page. Upon graduation, you would have the opportunity to apply for our Advanced Services and then for a business loan. If you are a current Advanced Services client, please contact Jennifer Crandall (jennifer(at)washingtoncash(dot)org) for information about upcoming loan orientations.




Washington C.A.S.H. loan funds are in part provided by the SBA.

SBA Microloans are not available to People on Probation, Former Convicts, people in Debt to the Federal Government or People Who Owe Back Child Support.



  • Microloans to people who are on probation from a sentence of incarceration are prohibited.
  • Microloans to former convicts are at the discretion of the Intermediary.
  • Microloans to people who owe outstanding debt to the government, with the exception of tax debt where an agreement has been reached with the IRS, are at the discretion of the intermediary.
  • Microloans to people who are 60 days or more in arrears on any Child Support obligations are prohibited.



What businesses are ineligible for SBA business loans?

The following types of businesses are ineligible:

(a) Non-profit businesses (for-profit subsidiaries are eligible);

(b) Financial businesses primarily engaged in the business of lending, such as banks, finance companies, and factors (pawn shops, although engaged in lending, may qualify in some circumstances);

(c) Passive businesses owned by developers and landlords that do not actively use or occupy the assets acquired or improved with the loan proceeds (except Eligible Passive Companies under §120.111);

(d) Life insurance companies;

(e) Businesses located in a foreign country (businesses in the U.S. owned by aliens may qualify);

(f) Pyramid sale distribution plans;

(g) Businesses deriving more than one-third of gross annual revenue from legal gambling activities;

(h) Businesses engaged in any illegal activity;

(i) Private clubs and businesses which limit the number of memberships for reasons other than capacity;

(j) Government-owned entities (except for businesses owned or controlled by a Native American tribe);

(k) Businesses principally engaged in teaching, instructing, counseling or indoctrinating religion or religious beliefs, whether in a religious or secular setting;

(l) Consumer and marketing cooperatives (producer cooperatives are eligible);

(m) Loan packagers earning more than one third of their gross annual revenue from packaging SBA loans;

(n) Businesses with an Associate who is incarcerated, on probation, on parole, or has been indicted for a felony or a crime of moral turpitude;

(o) Businesses in which the Lender or CDC, or any of its Associates owns an equity interest;

(p) Businesses which:

(1) Present live performances of a prurient sexual nature; or

(2) Derive directly or indirectly more than de minimis gross revenue through the sale of products or services, or the presentation of any depictions or displays, of a prurient sexual nature;

(q) Unless waived by SBA for good cause, businesses that have previously defaulted on a Federal loan or Federally assisted financing, resulting in the Federal government or any of its agencies or Departments sustaining a loss in any of its programs, and businesses owned or controlled by an applicant or any of its Associates which previously owned, operated, or controlled a business which defaulted on a Federal loan (or guaranteed a loan which was defaulted) and caused the Federal government or any of its agencies or Departments to sustain a loss in any of its programs. For purposes of this section, a compromise agreement shall also be considered a loss;

(r) Businesses primarily engaged in political or lobbying activities; and

(s) Speculative businesses (such as oil wildcatting).