Working Solutions CDFI is the First to Believe in start-up and early-stage businesses by providing diverse entrepreneurs with affordable capital, customized business consulting, and community connections to increase economic opportunity in Northern California. Geographical requirement is business must operate in one of the 19 Northern California counties served by Working Solutions: Alameda, Contra Costa, Madera, Marin, Mendocino, Merced, Monterey, Napa, Sacramento, San Benito, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Stanislaus, & Yolo. Owner(s) must be at least 18 years old and have at least 1 year of recent, paid, same-industry experience in an eligible industry.U.S. citizens, permanent residents, and ITIN holders are eligible to apply. Note that loans to ITIN holders follow the same lending guidelines, but additional documents may be requested.Owner(s) must be current on all personal and business debt, have no active liens or judgement, and not have declared bankruptcy within the last 12 months.