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Our Work

Founded in 1985, the Business Consortium Fund (BCF) was created to address the capital access challenges faced by Minority Business Enterprises (MBEs). With initial funding from NMSDC corporate members, BCF provided both capital and guidance to help MBEs thrive in the supply chains of major corporations, government entities, and competitive markets.

While we remain deeply committed to financing MBEs, we now leverage decades of expertise to address systemic inequities, such as redlining and exclusionary bias, with the goal of creating a more inclusive national economy. Our focus has expanded to include other underserved businesses owned by low-wealth entrepreneurs, women, LGBTQ+ individuals, immigrants, veterans, and people with disabilities—all of whom face significant barriers to capital and opportunity.

BCF is dedicated to driving systemic change for a more equitable and inclusive future, as diversity is essential for the growth of our national economy.

Business Consortium Fund, Inc. is a 501(c)(3) nonprofit organization and a Community Development Financial Institution (CDFI) certified by the U.S. Department of the Treasury.

Discover Why Clients Chose Us

  • Easy Process

    You can submit your loan application and required documentations online at your convenience.

  • Technical Assistance

    Our team will provide guidance throughout the application process, ensuring a smooth and seamless experience for you.

  • Customized Solution

    Each client has unique financing needs. We will work with you to tailor the right financing solutions for your business and budget.

Unlock Possibilities with a Loan from BCF

How Our Clients Have Leveraged Loans for Their Businesses

  • Working capital for new and existing contracts and purchase orders
  • Inventory financing
  • Bulk purchases
  • Business expansion
  • Scaling operations
  • Technology upgrades
  • Consolidate or refinance high-cost debt

Ready to apply?

Review our basic requirements

  • Minimum Eligibility Criteria

    • 51% ownership must be held by MBEs or socially and economically disadvantaged entrepreneurs. BCF's loan programs are designed to promote economic prosperity through fostering a more inclusive economy.
    • 650 personal credit score
    • 3+ years in business
    • $150,000+ gross annual revenue
    • Positive cash flow
    • Business-to-Business and/or Business-to-Government model
    • At least one (1) new or existing primary or subcontract, or purchase order

  • Documentation for Pre-Qualification

    • Most Recent Two (2) years Business Tax Returns
    • YTD Income Statement and Balance Sheet
    • Primary government-issued ID such as Driver License, Passport

What our clients say about us

Partners and Sponsors

  • Cargill
  • Comerica
  • Fifth Third
  • HSBC
  • IBM
  • JPMC
  • KeyBank
  • NMSDC
  • M&T Bank
  • OFN
  • Starbucks
  • Truist
  • UPS
  • US Bank
  • Verizon
  • Vistra
  • Wells Fargo

Apply Now!

Applying online is fast, easy, and does not impact your credit score.

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