Sarah Mayer founded Shift Collaborative in Pittsburgh as a mission-oriented creative services firm. She needed a small business loan to help with cash flow. Our partnership with Lending Club allowed us to help Sarah retain her staff and do more impactful work in her community.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too. Get to know Sarah Mayer of Shift Collaborative in Pittsburgh. Shift Collaborative is a mission-oriented creative services firm that needed a small business loan to help with cash flow. Our partnership with Lending Club allowed us to help Sarah retain her staff and do more impactful work in her community.

A Born Entrepreneur

Sarah Mayer grew up around entrepreneurs. Her first jobs were working in the hair salons that her mother and grandmother owned. It was a natural progression for Sarah along with her partners to start Shift Collaborative in Pittsburgh, Penn. in 2013.

Shift Collaborative is a full-service creative firm that works primarily with non-profit clients. “We founded the business on the philosophy of working with change-makers doing amazing things and advocating positive change in their community,” Sarah said.

Their work goes beyond website development and marketing services. Sarah and her fellow partners at Shift Collaborative encourage their staff to volunteer time and services to non-profits and other causes they care about. “Every month we’re trying to do something beyond our work and helping our clients,” she said. “We’re working to bring visibility through social media and other ways that these organizations are doing great things in our community and nationwide.”

Staff retention at Shift Collaborative is key to maintain the company culture. Shift needed a small business loan to secure cash flow and keep her employees in place. She had options to get the funding she needed, but none were the right fit until she found Opportunity Fund.

Low Turnover, High Impact

Like many small business owners, Sarah has a hand in nearly everything the business does. This makes it difficult to take time to work on a long and complex loan application. “There was just a ton of paperwork,” she said of loan options she tried, like through her bank and credit cards. “I wanted to get it done quickly.”

Sarah came to Opportunity Fund through our partnership with Lending Club. She chose us for our easy-to-get and fast small business loans. “The loan process can be extremely time intensive,” she said. “The folks at Opportunity Fund have been easy to work with. Everyone I worked with made it really smooth.”

She worked with business loan advisor Mayra Contreras, who closed a $20,000 loan in March 2017. The loan is making a major difference for Shift Collaborative.

“Without the loan, we might have had to scale back on staffing,” she said. “That would have drastically changed our business and been difficult for us. The loan has allowed us to maintain our staff’s employment.”

Now that Shift Collaborative has the working capital they need, Sarah can focus on the next big thing for her company. With new projects in business development ahead, Sarah is hoping to staff up her current part-time employees to full-time. Long term, she hopes to double her company’s profits in the next year.

We’re honored to work with fellow difference makers and community development organizations like Shift Collaborative. We’ll be there to support Sarah’s future business goals.

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. Last fiscal year, 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.

Follow us on Facebook and Twitter

David Anderson is a successful pitch man, working to connect his clients’ products to consumers. Following a cross-country move to Southern California, David needed a small business loan to close the inventory gap. Opportunity Fund helped him get started.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too. This week, read about David Anderson of Sage & Company in Huntington Beach. David is a successful pitch man, working to connect his clients’ products to consumers. Following a cross-country move to Southern California, David needed a small business loan to close the inventory gap. Opportunity Fund helped him get started.

Sold on Financing

David Anderson founded Sage & Company over 15 years ago. Through Sage & Company, David produces live demonstrations at consumer shows and events to help companies bring their products to market and create new ways to sell products. He also helps companies introduce his live demos via different digital media platforms.

He worked as a product pitch man on the East Coast before moving his business to Southern California. The change in markets plus the most recent economic recession presented challenges for David as he looked for ways to finance his business.

David previously had not relied much on financing through a bank for his business. “After the recession, it was hard to approach a bank about financing,” he said. “When I moved my business to Southern California, it took some time to learn my way around the area and find opportunities. I needed funding to balance my need for resources while also managing my business in a responsible way.”

David learned about Opportunity Fund through advertising at an event in Southern California. The connection helped change his business.

Connecting California Entrepreneurs

David reached out to Opportunity Fund loan consultant Osbaldo Velazquez. David immediately saw the impact we could have on his business thanks to Osbaldo’s friendly and helpful interactions over the phone.

“Speaking to Osbaldo was unlike any experience I’ve ever had in dealing with a lender,” David said. “He really invested time in learning who I was and what I was trying to do. He was proactive with actionable solutions.”

Sage & Co - David and Osbaldo

David and Osbaldo work together to help grow Sage & Company (photo courtesy of ROF Industries)

Our easy-to-get, fast, and accessible small business loans have helped David invest in inventory. “I need long lead times to get my products on the ground in Southern California,” David said. “Prior to working with Opportunity Fund, I missed out on several opportunities and revenue because I didn’t have the resources I needed.”

See how we helped David grow his business in this video:

 

David’s next big goal for Sage & Company is expanding his live demos and networking power to serve more small business owners in Southern California over the next five years. We’ll be there to support David as he works toward helping entrepreneurs to connect in a more meaningful way and build community around their products.

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. Last fiscal year, 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.

Follow us on Facebook and Twitter

Barbara Sullivan started Sullivan International over 30 years ago. Her firm is a leader in workforce development for other businesses in Southern California. Two working capital loans from Opportunity Fund are helping Barbara reach more businesses in need of human resources support.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.  This week, read about Barbara Sullivan of Sullivan International in Long Beach. Sullivan International is a leader in workforce development for other businesses in Southern California. Two working capital loans from Opportunity Fund are helping Barbara reach more businesses in need of human resources support.

Inspiring Success

Barbara Sullivan loves business. Inspired by the self-made African-American business man A.G. Gaston in her hometown of Birmingham, Alabama, Barbara started her human resources and workforce development firm Sullivan International in Long Beach over 30 years ago.

Sullivan International serves business clients in need of support in human resources, training, and supplier diversity. They work with large companies like Southern California Edison and PG&E as well as vendors for clients who need help with business infrastructure and workforce development.

As a hard working, savvy businesswoman, Barbara has many resources to choose from to grow her business. She found a new resource in business lending while working with a client, MCS California.

“I want to grow my company and take it to the next level,” Barbara said. “I had some new contracts in workforce development coming in and I needed some money to help service those contracts.”

Her contacts at MCS offered her a connection to Opportunity Fund. Once Barbara started talking to us, she knew she was on the right path to grow Sullivan International.

A Passion for Progress

Opportunity Fund loan consultant Armando Cruz got Barbara started with a $7,000 loan in September 2015. The capital helped secure those incoming contracts. The loan also established us an easy-to-use resource for Sullivan International.

“Opportunity Fund is great because of how they handle paperwork and how they handle my business,” Barbara said. “There was no drama. It was simple.”

Sullivan International - staff

Barbara meets with her staff at company headquarters (photo courtesy of ROF Industries)

Barbara came back for a second loan for $15,000 in November 2016. “The terms were always favorable for me,” she said. “Armando always got back to me in a timely manner, and he never said no. He always had options for me. Opportunity Fund has more options and more flexibility than most loan companies.”

Sullivan International allows Barbara to serve fellow business owners and turn her passion into progress for companies. Her firm also provides workforce development. This program helps people seeking entry-level jobs by providing them with training and other resources to support their progress in the workforce.

As she grows her company, she’s also helping us grow by spreading the word about our easy-to-get, fast, and affordable small business loans to other business owners.

We’re happy to support Barbara’s goals for Sullivan International, and we’re proud to serve a key member of California’s African-American business community.

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. Last fiscal year, 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.

Follow us on Facebook and Twitter

Krista had a cutting edge vision to reinvent her photography business, but she couldn’t get the financing she needed to make her dream a reality. We said yes to her vision, and now Dream Home Images is thriving.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too. This week, read about Krista Abel of Dream Home Images in Scotts Valley. Krista had a cutting edge vision to reinvent her photography business, but she couldn’t get the financing she needed to make her dream a reality. We said yes to her vision, and now Dream Home Images is thriving.

Cutting Edge Vision

Krista Abel has worked as a photographer for the last seven years. Three years ago, she had a vision for her photography business that required a huge change. She built Dream Home Images in Scotts Valley into an architecture photography business to support business owners in need of professional photography for their properties: real estate agents, custom home developers, and hotels.

Dream Home Images specializes in 3D imaging that provides a totally immersive view to the user. Krista has worked hard to rebrand her business with cutting edge technology. Even as Dream Home Images grew, Krista faced financial trouble as a single mother living and working in an expensive area. She needed a small business loan to fund equipment purchases and software upgrades. She had good credit history but couldn’t get the help she needed from traditional lending sources.

That’s when Opportunity Fund came in.

Krista Abel - Dream Home Images

Krista shoots photos on site at a property (Photo courtesy of Heimo Schmidt)

Working Capital for Working Moms

In February 2016, Krista called Opportunity Fund and connected with loan consultant Griselda Gil-Solis. Griselda helped Krista get approved for her first loan with us for $2,600. The funds covered her company’s rebranding and upgrades for photography and lighting equipment.

“I never thought I’d get a call back,” Krista said. I thought I would get denied because nobody believed in what I was doing. A few days later I was approved. One day later, I had the funds in my account.”

The fast and easy process made Krista believe in us. She came back for a second loan for $4,900 in June 2016, this time to finance the 3D imaging equipment. Thanks to the upgrades, Krista has seen a major increase in her business. That means the world to her and her family.

“Without Opportunity Fund, there was no way to get funding,” she said. “I was making minimum wage before I specialized in architecture photography. You can’t make it on minimum wage in Santa Cruz. Opportunity Fund has allowed me to be a mom, be passionate about my work, and help people in the community. Since you believed in me and my business, I don’t have to worry about things like how I can afford to buy groceries for my son or keep the lights on at home.”

Krista has big dreams for Dream Home Images. The company moved into a new office space in Scotts Valley, plus they’re adding more staff to help with traveling shoots. Of course, they’re always looking to buy better equipment to stay on the cutting edge of imaging technology.

We’re proud to help hardworking moms like Krista live their dreams and we’re happy to power the success of Dream Home Images.

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. Last fiscal year, 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.

Follow us on Facebook and Twitter

Jarrett Hughes cultivated his business with his lifelong passion for landscaping and an entrepreneurial spirit. Thanks to a working capital loan from Opportunity Fund, EarthPro Landscaping is primed for even more growth.

Our customers inspire us every day, and we want to share these stories so you get inspired too. This week, meet Jarrett Hughes of EarthPro Landscaping in San Jose. Jarrett cultivated his business with a lifelong passion for landscaping and an entrepreneurial spirit. Thanks to a working capital loan from Opportunity Fund, EarthPro Landscaping is primed for even more growth.

Growing A Business

Jarrett Hughes started mowing lawns as a child and has pursued a career in landscaping since his youth. After a few stints at large national landscaping companies, he launched EarthPro Landscaping in 2011.

This San Jose-based business has a strong client base and a solid reputation in the industry. But like many small businesses owners, Jarrett is facing challenges in finding the right financing to help expand his business.

“The sales are there,” he said. “Sometimes in commercial landscaping, it’s harder to capitalize on the sales and have the funds in the bank when you’re waiting up to 90 days to get paid.”

Jarrett looked into several funding options to help purchase the equipment he needed to meet the demands of the business and expand, including loans from the Small Business Administration and even merchant cash advances.

The available funding options were fast, but came at a high cost that eventually would become more of a burden than an opportunity for growth. EarthPro needed alternative business lending.

Seeding Success

Jarrett found Opportunity Fund through Wells Fargo, where his representative advised him on our organization’s easy-to-get, fast, and affordable lending options that could make a significant difference in his search for funding.

“Traditional lenders often have tougher restrictions for small business borrowers,” he said. “Opportunity Fund appreciates my track record and understands my business plan, so my loan was easier to get in a shorter time frame.”

Opportunity Fund business development officer Shanna McClearn worked with Jarrett to secure a $78,000 loan to help pay for equipment and staffing costs. This loan has allowed EarthPro Landscaping to take on bigger projects around the South Bay Area.

Jarrett Hughes - EarthPro Landscaping

Jarrett got a working capital loan to help with expenses for equipment and staffing (photo courtesy of Christian Peacock)

“Shanna looked at all the variables and was able to package the deal in a way that made it look more attractive to the underwriters,” Jarrett said. “I appreciate everything Opportunity Fund has done for me.”

Jarrett hopes to continue his partnership with Opportunity Fund with a future loan to buy more trucks and add more equipment and employees. When he’s ready to plant more seeds, we’ll be there to provide the green.

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


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, 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.

Follow us on Facebook and Twitter

Alysia Vallas started SOMI as a way to support female empowerment. Thanks to a working capital loan from Opportunity Fund, SOMI can now sell more quality undergarments online and at fine retailers, and raise more money to help women internationally.

Our customers inspire us every day, and we want to share these stories so you get inspired too. This week, read about Alysia Vallas of SOMI in San Francisco.  Alysia Vallas started SOMI as a way to support female empowerment. Thanks to a working capital loan from Opportunity Fund, SOMI can now sell more quality undergarments online and at fine retailers, and raise more money to help women internationally.

Working for Women

Alysia started SOMI in San Francisco in 2013. Alysia, inspired by Nicholas Kristof and Sheryl WuDunn, authors of Half the Sky, carried that message of building female empowerment in some of the world’s most underdeveloped areas into her entrepreneurial idea — and formed a collaboration with the Harpswell Foundation in Cambodia.

“I asked myself how I could help,” she said. “I decided to produce women’s garments and use a percentage of the proceeds to help women’s development groups.”

Female empowerment is a major hallmark of the SOMI brand, from the connection to women’s groups to the message of comfortable, accessible undergarments. Alysia had sold her intimate apparel solely as an e-commerce venture for almost two years before looking to expand. In 2016, SOMI started offering products in pop-up shops in San Francisco and New Jersey, and recently entered the wholesale market with products sold at Anthropologie.

The shift to producing garments for wholesale meant Alysia had to think differently about financing her business. “I got production orders that required thousands of dollars immediately,” she said. “I couldn’t get the money I needed from sales up front, sometimes not until 30 days after production.”

A Supportive Lending Connection

Alysia looked for financing to boost SOMI’s cash flow through her bank and the Small Business Administration. Those options didn’t fit her needs as a new entrepreneur in business for less than two years.

“It felt like jumping through a lot of hoops for a lot of uncertainty,” she said. “It was insurmountable for me to put together a business plan, pitch it, and then maybe not get funding. We had already gone so far into production that I was hoping to get a loan within a smaller time frame.”

Alysia learned about Opportunity Fund thanks to a tip from a friend. Loan consultant Sergei Minets began working with Alysia to get her loan package together, and delivered SOMI’s first small business loan of $3,000 in 2015.

She chose Opportunity Fund because of our track record as a transparent lender that provides easy-to-get, fast, and affordable loans. Sergei’s support made a difference for her as well.

“Sergei answered all my questions,” she said. “He helped me get the best rate. The entire process took a few weeks, which means a lot to us and our production schedule.”

Alysia is looking forward to more growth for SOMI thanks to the financial support from Opportunity Fund. As SOMI continues to spin more threads into sales, we’ll be there to cover her small business lending needs.

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


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, 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.

Follow us on Facebook and Twitter

Andrew Maisner built TV Pro Gear into a pioneer in television and digital media.  Thanks to an Opportunity Fund small business loan, TV Pro Gear has cash on hand for up-front payments to secure discounts from vendors.

Our customers inspire us every day and we want to regularly share those stories to inspire you, too. This week, read about Andrew Maisner of TV Pro Gear in Glendale. Andrew built TV Pro Gear into a pioneer in television and digital media.  Thanks to an Opportunity Fund small business loan, TV Pro Gear has cash on hand for up-front payments to secure discounts from vendors.

A Television and Digital Media Industry Pioneer

Andrew Maisner used his 30 years of experience in television production and media to build TV Pro Gear’s two core competencies: television equipment and streaming media services.  As a pioneer in streaming media, they produce some of the most popular digital media out there, from TED Talks for ted.com to live NBC sports broadcasts via their encoding centers.

TV Pro Gear has no shortage of success, but that success often comes at a steep price for Andrew and his crew.  They’ve had as many as nine projects under construction at once, which stretches their cash flow very thin.

“The projects we do are anywhere from $50,000 to a few million dollars,” he said.  “We get progress payments but it’s not enough to cover the whole cost of one production.  It kills our cash flow, because we don’t get paid until we finish a project.”

“Cash Up-Front, Baby”

Despite his thriving company with its elite customer base and impressive project portfolio, Andrew still found it hard to get the funding he needed to help TV Pro Gear’s cash flow.  

“We have a good credit rating and our paybacks were on time, but banks don’t want to talk to small businesses,” he said.

Andrew worked with his assistant Daniel O’Reilly to find a better financing option, and that’s when Opportunity Fund business development officer Alex Esquivias was able to help.

Alex helped TV Pro Gear with two loans: first for $40,000 and another for $60,000.  The loans allow them to make up-front cash payments to their vendors so they can secure discounts, which also helps their cash flow.

TV Pro Gear - Andrew and Alex

Andrew shakes hands with Alex Esquivias, his Opportunity Fund business development officer (Photo courtesy of ROF Industries)

“You’ve heard of COD—Cash on delivery,” Andrew said.  “I’ve got a new term. CUF—Cash up-front, or CUFB—Cash up-front, baby. [The discounts] are the difference between breaking even and being very profitable.”

Andrew and Daniel chose Opportunity Fund for their small business financing needs because of our fast funding and great service.  We’re happy to help TV Pro Gear stay in the black.

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. Last year, we made $37M in loans to help more than 1,800 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.

Follow us on Facebook and Twitter

Felipe Pacheco turned his lifelong passion for computing into a successful business by serving Latino business owners in need of point of sale systems and software. Tekxcel has grown to serve 130 customers in the Latino community thanks to a micro business loan from Opportunity Fund.

Our customers inspire us every day and we want to regularly share those stories to inspire you, too. This week, read about Felipe Pacheco of Tekxcel in San Jose.  The former network administrator at Oracle turned his lifelong passion for computing into a successful business by serving Latino business owners in need of point of sale systems and software.  

Connecting Latino Business Owners to Technology Solutions

When Felipe Pacheco started Tekxcel in 2008, he saw a need within the Latino business community for improved point of sale systems, including restaurants, retail, and professional offices.

“We saw there was room for a company that could get computer systems to those customers,” Felipe said. “We noticed that most of them didn’t have those systems.”

Felipe got his start in the technology sector by working as a network administrator, most notably at Oracle.  He felt a strong pull toward entrepreneurship, which led him to the previously untapped Latino business owner market.  He also helps these underserved entrepreneurs by cutting through the Spanish language barrier.

He put his two strongest interests together to create a unique Silicon Valley small business, but financing challenges made it difficult for his business to thrive.

Opportunity Fund Helps Tekxcel Stay Online

Initially Felipe wanted funding to secure Tekxcel’s cash flow and improve his equipment inventory.

“When we first started, we had to wait to get payments from some of our clients,” he said.  “I needed equipment ready for installation.  Now we have everything we need.  Before, we were always running to the store to buy tools or cables when installing a system.  We don’t have to do that anymore.”

Felipe’s search for funding included unsuccessful attempts with his bank and other alternative lenders.  Tekxcel’s cash flow issues made it difficult for Felipe to get the financing he needed.

Opportunity Fund loan consultant Miguel Angel Barreras helped Tekxcel with a $10,000 loan in 2013. The partnership continued through two additional loans for $15,000 and $20,000 respectively.

“We got advertising for other lenders, but I said no to them,” Felipe said. “If I need something, I go to Opportunity Fund.   They said yes to me.”

Felipe Pacheco - Tekxcel

Felipe Pacheco, owner of Tekxcel Point of Sale Solutions, smiles while at work (Photo courtesy of Christian Peacock)

Since partnering with Opportunity Fund, Tekxcel has been able to keep a complete inventory.  He also credits Opportunity Fund for helping him improve his credit score thanks to on-time payments and affordable rates.  “My score has improved a lot, maybe by a couple of hundred points,” he said.

Felipe pointed out that while it was hard for him to break into the market due to difficulties with convincing business owners to start using updated computer systems, Tekxcel has expanded over the last three years to serve more than 130 customers in retail, restaurants, and other industries.

We’ll be there to support the next wave of Tekxcel’s growth.

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. Last year, we made $37M in loans to help more than 1,800 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.

Follow us on Facebook and Twitter

When small business owners need cash fast, Merchant Cash Advances (MCAs) seem like a good solution. Read about how MCAs will actually drag your small business under and how our EasyPay loans can pull your business out of debt.

What is a Merchant Cash Advance?

Merchant Cash Advance (MCA) is one type of alternative lending available to small business owners. These advances are not classified as loans because the MCA company offers a cash amount upright that is repaid through a percentage of future debit/credit card transactions. Think of an MCA as a payday loan for businesses.

MCA appeals to many small business owners because they can get an advance approved quickly, without collateral backing, and even with bad credit. This type of lending is also appealing because the payment process seems flexible — daily deductions from sales rather than fixed monthly payments.

Why Merchant Cash Advances Are Bad For Small Businesses

Although MCAs may seem like a good solution for immediate financial need, the cost of hidden fees and tricky wording simply isn’t worth it. Take a look at this colorful infographic that illustrates how MCAs are bad for your small business in the long run.

Merchant Cash Advance Infographic

See visually how MCAs drags your business under and how Opportunity Fund can help. (Image courtesy of Ashlyn Smith)

How Opportunity Fund’s EasyPay Program Helps

Opportunity Fund’s EasyPay loan program provides an easy-to-get, affordable alternative to expensive Merchant Cash Advances. With an EasyPay loan, small business owners like you can get a loan from $5,000 up to $100,000 for working capital and refinancing your current MCA.

  • Unlike MCAs, EasyPay takes a more affordable percentage of your monthly credit/debit card receipts.
  • Reduce your APR from over 80% down to 15% on average.
  • No hidden fees or pre-pay penalties, with only a 5% loan funding fee.
  • Reduce your monthly payments by up to 75%.

If you currently have an existing MCA, Opportunity Fund can help refinance your balance with much lower payments and lower interest rates. As a responsible lender dedicated to helping small business borrowers succeed, we make sure you can comfortably repay the loan, maintain positive cash flow, and maintain good credit.

For information about Opportunity Fund’s small business loans, please contact us at 866-299-8173 or loans@opportunityfund.org.  For questions about your existing loan or other customer service questions, please contact us at 866-299-8173 or sbhelp@opportunityfund.org.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, we made $37M in loans to help more than 1,800 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.

Follow us on Facebook and Twitter

Maurice Brewster built his transportation company into an elite transit provider thanks to a small business loan from Opportunity Fund. Mosaic Global Transportation is on the road to bigger and better things.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too. This week, read about Maurice Brewster of Mosaic Global Transportation in Redwood City. If you’re an African-American entrepreneur, you know how hard it is to get the capital to grow your business. That’s why you need to know about Maurice.

Driven to Expand

According to a Wall Street Journal article that appeared in March of 2014, the rebound in federal small business lending, the first such rebound since the financial crisis, has largely passed black entrepreneurs by.  Two years after that article was written, things haven’t improved very much.  More than six years after the financial crisis, African-Americans have suffered the largest decline in SBA funding and are still looking for loans to help them stave off deeper financial hardship.  Maurice Brewster was one of them.

His company, Mosaic Global Transportation, a limousine, sedan and shuttle business located in Redwood City, California was stagnating because of a lack of financing.  Although the 12-year-old company had 44 employees and was providing transportation to corporate clients in more than 450 cities, the business could be doing much better with the capital to expand.

Mosaic Global Transportation Staff

Maurice Brewster leads his staff at his thriving transportation company

“Initially, I was putting all the profits back into the business,” Maurice said of his decision to bootstrap the company, a common small business strategy.  He managed to create a little breathing room and his company started turning a profit again in April 2013.  With sufficient funding, Maurice thought the company could “double in size in a year or two.”  But in December of 2015, Maurice’s application for a $250,000 loan was rejected by his bank, citing insufficient collateral and no profits for several years.

A Fresh Perspective

Opportunity Fund looks at lending in general—and Maurice specifically—a little differently.  So they started Maurice with a small $15,000 to get his credit history established and jump start the business. Maurice did the rest. During Super Bowl 50, his company was named the Official Transportation Provider for the Host Committee.  He has also expanded his employee shuttle service at Google.

Maurice Brewster

Maurice is all smiles thanks to his successful business

From Opportunity Fund’s perspective, Maurice already had established a profitable business with collateral “on wheels” for the loan.  And he proved us right, as have so many of our loan recipients. Which just goes to show, when you invest in good people, there’s no telling where they can go.

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. Last year, we made $37M in loans to help more than 1,800 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.

Follow us on Facebook and Twitter

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