We Lend To: Food aggregators and distributors planning to renovate and upfit their warehouses Grocery stores and food co-ops ready to purchase property or expand Entrepreneurs hoping to start food businesses Urban farmers who are expanding their distribution networks in low-income communities Food waste and recycling companies Loan Programs We work hard to find the right loan for you and your business. General business loans Government loan programs, including: New Markets Tax Credit program loans SBA 7(a) loans SBA 504 loans USDA Business and Industry Loan Guarantees Loan Terms Interest rates starting at 4% Up to 25-year amortization for commercial real estate projects Loans ranging from $50,000 to $15 million Self-Help encourages our food system borrowers to implement cost-saving energy efficiency measures. Learn more about how your food business can save money and reduce your carbon footprint. Con Amor (With Love) Market & Cafe worked with Self-Help and partner NCB Capital Impact to secure financing for their 3,000 square foot start-up grocery market and cafe in a southwest Los Angeles food desert. Self-Help provided innovative financing for this start-up venture using a California state guarantee program that had never before been used with a food retailer. With Love provides produce and other healthy foods for the neighborhood, and also functions as a community hub and learning space. Minneapolis' Eastside Food Co-op (EFC) opened in 2003 to bring local, fresh and natural food to the nearby community - an area low on healthy food options. By 2015, EFC had more than 5,200 active members and was ready to expand. Self-Help acted as lead lender for this $6.7 million expansion and renovation project in coordination with the City of Minneapolis, LISC and the USDA.