Credit for Success: Small business lending
JPMorgan Chase offers a broad variety of small business loans primarily to our customers in low- and moderate-income communities and to minority and women entrepreneurs in order to meet their special needs.

We recognize that some customers may not meet all the criteria for conventional loans, but do have the financial strength and repayment capacity to earn access to credit. Therefore, we provide a second source of loans to these customers. Our loans include:

Real estate loans

• Purchase an existing, owner-occupied commercial property
• Expand or make improvements to an existing commercial property

Equipment loans

• Upgrade computer systems or other business technology
• Purchase machinery or other equipment

Working capital loans

• Meet the cash flow needs between delayed collection cycles.

Credit enhancements
JPMorgan Chase is a U.S. Small Business Administration (SBA)-preferred lender, which means a quicker approval of SBA loan guarantees, as well as access to other public sector credit enhancement programs, including the NYC Capital Access.