IVCA offers loans at interest rates far below the traditional rates available through a conventional lender. This interest when paid is filtered through local community action agencies, which provide programs to aid low-income people in Illinois. So, not only do our customers save interest by choosing to use IVCA for a portion of their financing needs, they also give back to their state-wide community.

Our borrowers are for-profit companies who pass both initial criteria for that fund as well as a financial screening to qualify them to receive credit. The initial criteria for qualification are listed on this site and include things such as job creation and purpose of funds. The financial screening is a more in depth process that evaluates both historical and projected performance numbers based on sound underwriting principals. Both parts of this process are critical to the approval of these loans.

Applications for the initial screening process are available on this site.