Small business loans in McLennan County

Apply for a McCIF loan

In 2025 McCIF affiliated with PeopleFund, a statewide Texas nonprofit lender. Applications go through PeopleFund’s secure online portal, and our McCIF team in Waco is here to help you every step of the way.

Start your application How applying works

Loan options now available

Microloans
For startups and growing small businesses
Term loans and lines of credit
Equipment, working capital and more
SBA 7(a) loans
SBA-backed loans of up to $5 million
SBA 504 loans
For land, buildings and major equipment

Amounts and terms vary. Every application is reviewed individually.

Why borrow with us

We lend to startups, existing small businesses and nonprofits, with a focus on communities banks often overlook.

Flexible terms

Low down payment, flexible underwriting and no prepayment penalties.

A local team in Waco

Meet with lenders and advisors at our office on Austin Ave who know McLennan County.

Support after the loan

Borrowers get free one-on-one consulting and group training to help their business grow.

How applying works

It’s free to apply. You’ll start on peoplefund.org, and your application is reviewed by our team.

1
Answer a few quick questions
A short yes or no eligibility check on PeopleFund’s website.
2
Complete your application
Fill out the full application in PeopleFund’s secure online portal.
3
Meet with a lender
A member of our team reviews your application with you and talks through the loan that fits your goals.
4
Grow with support
If approved, you’ll have access to consulting and training as your business grows.

Ready to grow your business?

Start your application

Not sure which loan fits? Call 1-888-222-0017 or email [email protected]

Already a borrower? Log in to the Borrower Portal