With a mix of owner capital, community lenders and revenue-based funding, often with Spanish-language support.
Check my optionsOwner communities
Hispanic-owned businesses are among the fastest-growing segments of U.S. business ownership. Research shows they rely more on personal savings and less on bank financing than other groups, and those that scale tend to combine documented revenue, community lenders and fast working capital.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A person reviews your revenue, time in business and bank activity, often within hours.
Your file goes to funders that fit it, so offers can be compared.
You can apply at 500; stronger credit opens more products.
A human reads the file, not just an algorithm score.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
The growth is well documented. Reports from the Stanford Latino Entrepreneurship Initiative have found that Latino-owned businesses have grown faster in number than the overall business population in recent years, while also finding that Latino-owned firms are less likely to receive full bank funding when they apply. Many owners start with personal savings, family money and credit cards.
Firms that scale tend to formalize revenue early. Depositing all sales into a business account, keeping bookkeeping current and filing taxes consistently create the documentation that unlocks larger financing. A business that has been operating successfully but mostly in cash often finds its fundable revenue appears much smaller than its real revenue.
They use community and mission lenders. CDFIs, Hispanic chambers of commerce, the Latino Community Credit Union model and similar institutions in many regions offer bilingual service, flexible criteria and technical assistance. SBA microloans through local intermediaries are another common step.
They pair long-term and fast capital. Equipment financing or SBA loans cover long-lived assets, while revenue-based funding covers inventory, seasonal staffing or a new contract start. Revenue-based options are underwritten on deposits and consider credit from 500, which suits owners still building credit history in the U.S.
Language and trust matter. Owners who can review terms in Spanish are more likely to catch costs and conditions they would otherwise miss. MFE serves owners in Spanish and English and presents offers in writing.
Finally, many growing Hispanic-owned firms pursue certification and supplier diversity programs to win larger contracts, which in turn strengthen funding applications.
Family involvement is common in Hispanic-owned firms and can be a strength for growth, providing trusted labor and patient capital. Formalizing family roles, pay and ownership on paper helps when outside funders review the business.
Here is fast working capital for a Hispanic-owned business with documented deposits. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.38 |
| Total payback (amount × factor) | $34,500 |
| Fees deducted at funding (2%) | $500 |
| Net cash you receive | $24,500 |
| Weekly payment over 52 weeks | $663 |
| Same total as daily debits (~260 business days) | $133/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Personal savings and family | Common starting point |
| Formalized revenue | Deposits, bookkeeping, taxes |
| Community lenders | CDFIs, chambers, bilingual service |
| Equipment and SBA loans | Long-lived assets |
| Revenue-based funding | Inventory, staffing, contract starts |
Good fit:
Probably not yet:
Through savings, community lenders, SBA and equipment loans and revenue-based funding.
Research has found they are less likely to receive full bank funding.
Funders size offers on documented deposits.
Many CDFIs, credit unions and funders, including MFE, serve Spanish-speaking owners.
Options begin at 500.
It can open contracts that strengthen revenue and applications.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding