When Eric Torres landed Florida Medical Clinic as a client for his Tampa-based marketing agency Brandiversity, he wanted to add capacity by hiring additional staff to service the large healthcare company. With a loan from Opportunity Fund/Lending Club, Torres quickly ramped up by hiring 2.5 new employees, and opening a two-person office in Orlando.  

It’s all about timing. Helping small businesses gain access capital when it’s time to grow. That’s what our expanding partnership with Lending Club is now doing in states across the U.S.

As the nation’s leading nonprofit small business lender, we partnered with Lending Club, the world’s largest online credit marketplace, to serve many more small business owners looking for a responsible and responsive source of capital when it’s the right time for their businesses to grow. Through this partnership, Lending Club brings its best-in-class platform designed to attract and serve online borrowers and Opportunity Fund brings our expertise serving small business owners and entrepreneurs, offering responsible loans along with advice and support.

Responsive Lending for Business Owners

When Eric Torres, principal at Tampa-based Brandiversity – a full service advertising and marketing agency in Florida’s Tri-Counties area – landed Florida Medical Clinic as a client, he wanted to add capacity by hiring additional staff to service the large healthcare company. With a loan from Opportunity Fund/Lending Club, Torres quickly ramped up by hiring 2.5 new employees, and opening a two-person office in Orlando.

“I launched Brandiversity in 2016 because increasingly I saw that my clients here in Florida needed help reaching diverse populations with their marketing platforms. We help our clients navigate global opportunities and tailor campaigns and outreach with great results,” said Torres, who has years of experience in advertising and marketing.

With clients in the robust service industries that fuel Florida’s economy, business owners like Torres are often faced with proverbial “chicken or egg” decisions. When opportunities arise to grow their business, they need access to capital from lenders who have a track record for responsible, responsive lending.

“Working with entrepreneurs when they have an opportunity to grow their businesses is rewarding,” added Miguel Cerda, the Opportunity Fund Loan Advisor who worked with Eric Torres. “In many cases, borrowers are seeking capital to hire more employees. Our investment has a multiplier effect in local communities.”

According to the U.S. Census Bureau, Florida’s small businesses employed 3.1 million people, or 43.2% of the private workforce in 2013. Those businesses make up 98.9 percent of all employers in the state. Opportunity Fund’s expansion in partnership with Lending Club allows us to respond to the growing needs of entrepreneurs in states like Florida, where economic opportunity directly translates to economic development.

“My experience with Opportunity Fund was very positive,” Torres added. “The application and funding process was simple and I had the capital I needed to respond quickly to a new client opportunity.”

By 2020 Opportunity Fund plans to invest $400 million in over 10,000 small businesses nationwide.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. In fiscal year ‘16, we made $60M in loans to help more than 2,200 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

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Opportunity Fund. Working Capital for Working People. opportunityfund.org