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DreamSpring

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Direct business lender for startup funding and term loansAlbuquerque, New Mexico27 U.S. states listed in its FAQ: AL, AZ, CA, CO, FL, GA, IL, IA, KS, LA, MI, MS, MO, NE, NV, NM, NY, NC, OH, OK, PA, SC, TN, TX, UT, WA and WY.
BBLL 000547Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

DreamSpring offers startup and established-business financing, with separate term-loan, credit-line and property programs. Published interest rates exclude a program-specific Community Benefit Fee.

Direct business lender. Directly funds business financing; products and terms depend on the lender.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Startup fundingTerm loansBusiness lines of creditCommercial real estate loansSBA 7(a) loans
General small business
From the lender's own site and public records.

A second look at DreamSpring

DreamSpring offers startup and established-business financing, with separate term-loan, credit-line and property programs. Published interest rates exclude a program-specific Community Benefit Fee.

DreamSpring is a nonprofit business lender. Funding remains subject to underwriting and state availability.

Published by Levr, not by DreamSpring. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Small business term loan

Amount and term
$1,000–$250,000+, over 24–72 months; state minimums may differ.
Published pricing
Interest 7%–18.99%, plus a 2.5%–10% Community Benefit Fee; these are not all-in APR figures.
Credit
Published minimum score 600; approval requires further review.

Provider sources: Current product table

Power Line of Credit

Amount and term
$1,000–$100,000; revolving period up to 24 months.
Published pricing
Interest 9.74%–18.74%, plus a 4%–10% Community Benefit Fee.
Annual fee
A 1% line-size annual fee may apply during the revolving period; average utilization above 50% can waive it.

Provider sources: Product table · Additional fees and waiver conditions

Application and repayment

Startups
Aspiring entrepreneurs are eligible to apply; SSN or ITIN accepted.
Credit inquiry
Checking potential eligibility does not affect credit; taking financing triggers a formal personal-credit inquiry.
Early payoff
No prepayment penalty; closing costs and accrued interest still apply.
Identity verification
Some applications incur $5 below $25,000 or $25 at higher amounts; no identity fee with qualifying Plaid bank-link verification.

Provider sources: Eligibility, uses and payoff FAQ · Additional fee disclosure

When it may fit

Our assessment of the published programs

  • A startup or growing business comparing a smaller loan or revolving line within the supported states.

What to weigh carefully

  • Add all upfront and ongoing fees when comparing offers.
  • Startup eligibility does not guarantee approval.
  • The line’s revolving period and any later repayment schedule should be confirmed separately.

Questions before you accept an offer

  1. What net amount reaches my business after fees?
  2. What APR reflects the Community Benefit Fee and other required costs?
  3. What collateral and personal guarantees are required?
  4. How is annual average utilization measured for the line-fee waiver?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

LiftFund

Compare LiftFund’s startup financing and program-specific service areas.

Accion Opportunity Fund

Compare AOF for an established business meeting its published minimums.

The lender

Type
Direct business lender
Legal name
Not yet provided Add it
Founded
1994
Charter
Not yet provided Add it
Headquarters
Albuquerque, New Mexico
Service area
27 U.S. states listed in its FAQ: AL, AZ, CA, CO, FL, GA, IL, IA, KS, LA, MI, MS, MO, NE, NV, NM, NY, NC, OH, OK, PA, SC, TN, TX, UT, WA and WY.
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
dreamspring.org
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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