How could you use $25,000 to grow your business?
We base our calculations on your recent cashflow
ProsperSM from PonceBankDirectSM is for small businesses who may not qualify for traditional unsecured business loans. There’s no need to submit financial statements because we base your offer on recent cash flows in your business checking account.
Get a decision fast- 12 month term loan
- Daily/Weekly payment option
Easy Application Process
Does your business have an average income of at least $400 per day? It may be eligible for a loan up to $25,000.
Get Started
No Tax Returns Required
Apply online
24hrs to fund once approved
No Tax Returns Required
Apply online
24hrs to fund once approved
This Prosper Loan has been a lifesaver. It has given us an opportunity to navigate through very tough times and utilize these funds for day-to-day issues and even a new machine we needed. Thank you!
Empanadas RD
We invest in local folks. We invest in your neighborhoods.
60+ years of service
We have served the New York City Metro Area for more than 60 years.
#1 Nationwide
National Community Investment Fund rated us #1 for lending in low to moderate income communities among Community Development Financial Institutions (CDFI).1
75% of loans
We invest more than 75% of our loans in low to moderate income neighborhoods.
When you bank with a local Community Development Financial Institution (CDFI) like Ponce Bank, your money gets invested in local business, local housing and local services.
So when you repay your loan, your money gets reinvested to help your community prosper.
Learn more
Learn how to make a business plan that communicates your business’ financial future.
Learn about the services banks can provide to support small businesses.
All loans are subject to credit approval. Not all applicants will qualify. Information is subject to change with no prior notice.
1National Community Investment Fund Ratings Report June 2022.