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Accessible, Kingdom-Fueled Funding
We want to see your business grow, and we know accessible funding at the right time is key. Small businesses we serve are typically unable to acquire a business loan elsewhere. That’s where KCN comes in. We require at least 2 years of business history to be able to underwrite a loan, but we take a different approach to deciding to disburse loans. We take a relational, grace-first approach with our lending.
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We offer low-interest loans set at prime rate to all loan recipients
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We disburse small business working capital loans of up to $50k
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For every loan agreement, we establish a reasonable repayment plan designed to help you and your business flourish
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Relationships are at the heart of everything we do. For businesses who receive a loan from us, we require your participation in our 9-month Formation Cohort. Not only to build a relationship with you, but also to bring community, Business Mentorship, and support around you as you discern the next steps for your business. Business ownership is complicated enough, and we don’t think you should have to go at it alone. Click the button below to learn more about getting started with our loan application process.
Eligibility to Join Our Program
Active member of a local church
Business owner in Austin or surrounding areas
Own your business for 2+ years
Show an annual revenue under $1M
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Frequently Asked Questions
What can I expect in my loan application process?
Expect a conventional loan application process with help available from our staff and partners at BCL.
What are the requirements of small businesses to be accepted into the program?
We work with small business owners who are members of a local church, own a local business, have been in business for 2+ years, and have an annual revenue under $1 million. If that sounds like you, fill out our form above!
How are loan terms determined?
Conventional underwriting is where we start; not as the last word. Other variables like serving those without access to capital through the Church and depth of engagement in the business owners' faith community are factored in by our loan committee. Qualified applicants can expect the most charitable lending terms.
Do you lend to non-profits?
Lending to non-profit organizations is currently outside the scope of our program.
What should I expect as part of the cohort of small business owners & business mentorship?
We provide curriculum in a 9-month class format with monthly meetings focused on redemptive work & collaboration with other entrepreneurs. The business mentorship is a 1-on-1 format, as another component of the cohort, and the schedule is worked out between the business owner and mentor.
What are the loan terms?
Loan amounts and terms are decided during the loan application process. We do our best to provide capital at a reasonable rate while also stewarding resources with wisdom.
Do you loan to startups?
Right now, our program is not set-up to serve start-ups. If you're looking for help starting up your business, you can reach out to our community partner, EGBI, for business coaching free of charge. Visit https://egbi.org/coach/ to learn more.
What if I haven't yet set up my LLC?
In order to underwrite and disburse a loan, our partners require 2 years of business tax history (separate from your individual taxes). You may contact our community partners at EGBI who are able to assist with startups! Visit https://egbi.org/coach/ to learn more.