PACE Finance Corporation
Small Business Lending
Expanding access to capital and financial support so small businesses can grow, create opportunity, and strengthen their communities.
We deliver flexible, mission-driven financing that sustains local businesses and empowers entrepreneurs.
PACE Finance Corporation (PFC) was founded in 2009, serving as PACE’s lending subsidiary to address a persistent gap in access to capital for small businesses and entrepreneurs.
As a certified Community Development Financial Institution (CDFI), PFC provides financial guidance and solutions to businesses facing barriers to traditional financing.
Through a combination of responsible financing, loan counseling, and financial advisory support, PFC works with entrepreneurs at every stage of growth seeking to expand operations, purchase equipment, or strengthen working capital.
Responsible Lending
Loan Counseling
Financial Advisory
Our Mission
Our mission is to expand economic opportunity by increasing access to capital and financial resources for small businesses and entrepreneurs in underserved communities.
Who We Serve
From startups to established enterprises, PFC serves small businesses across Los Angeles County and Southern California with a focus on driving local economic growth and job creation.
removing Barriers
PFC removes barriers that prevent businesses from obtaining traditional financing by providing flexible lending solutions, individualized financial guidance, and responsible underwriting practices.
Our Impact
By increasing access to capital and financial tools, PFC helps entrepreneurs in underserved communities build stronger businesses that reinvest in the neighborhoods they serve.
Our Loan Programs
SBA Microloans
Loans ranging from $5,000 to $50,000 designed to help small businesses start or grow their operations.
Funds can be used for working capital, equipment purchases, inventory, or other business needs, with flexible collateral requirements and loan counseling available to support borrowers throughout the financing process.
Small Business Loans
Loans from $50,000 to $500,000 designed to support business expansion, stabilize cash flow, purchase equipment, or fund other operational needs.
These loans provide flexible financing to help businesses strengthen and scale their operations.
Revolving Line of Credit
Flexible access to working capital through a revolving credit facility.
New clients may qualify for lines of credit up to $50,000, while existing clients may access up to $500,000, allowing businesses to draw and repay funds as needed to manage cash flow and ongoing expenses.
CFAP Loans
Loans from $100,000 to $350,000 designed to help small businesses fulfill awarded contracts.
Financing can be used to cover upfront project costs such as labor, materials, and operational expenses while awaiting payment from contract issuers.
Disaster/Emergency Loans
PFC is committed to supporting local businesses by providing emergency and disaster-related financing in times of crisis.
In the past, this has included relief programs developed in response to events such as the COVID-19 pandemic and the 2025 Southern California wildfires.
While there are no active disaster or emergency loan programs at this time, new relief programs may be launched as circumstances arise. Please check our website for updates on available assistance.
Resources to Help You Succeed
Strengthen your business and prepare for financing by taking advantage of our free guides and templates.
Business Planning & Financial Tools
- Business Plan Templates
- Credit Building Resources
- Profit and Loss Statement Template
- Balance Sheet Template
- Statement of Cash Flows Template
- Startup Business Checklist
Loan Readiness Resources
- Loan Readiness Guide
- Understanding Credit Scores
- Loan Application Documentation Checklist
- Loan Terms and Definitions Guide
- The 5 C's of Credit
Ready to get started?
Fill out our loan inquiry form to connect with our team and explore your financing options.
Client Success Story: Be Bright Coffee
Be Bright Coffee launched in 2020 as an online specialty coffee retailer. After building a loyal following through local markets and events such as Smorgasburg LA, the business opened its first brick-and-mortar café on Melrose Avenue in 2022 with support from PFC through a microloan and financial guidance.
As demand continued to grow, Be Bright Coffee partnered with PFC again in 2025 to establish a new headquarters in Los Angeles Chinatown, featuring a second café and in-house roasting facility. That same period marked another milestone for the company when Frank won the 2024 U.S. Barista Championship, earning national recognition for his craft.
Today, Be Bright Coffee is preparing to open its third location in Koreatown. The company’s growth reflects how access to capital and business support can help entrepreneurs turn a vision into a thriving business that invests in the local community.
Inspired by Be Bright Coffee’s incredible journey? Get in touch to learn how PFC can support your business.
Contact PACE Finance Corporation
Address
Hours
Phone
(213) 353-9400