Apply for a loan

No-interest and low-cost loans that help you manage emergencies, build credit, and save for the future.

At Small Things Enterprises (STE), we help you handle today’s challenges while building the financial foundation for tomorrow. Our loans give you breathing room when money is tight — and help you grow credit, savings, and confidence over time.

How It Works

Our loan process has two simple phases — designed to make sure every borrower understands how our program works and has support for success.

Phase 1 – Apply

Choose your loan type.
Explore the options below to find the best fit for your needs.

Complete the online application.
It takes about 10 minutes.

Initial review.
We’ll review your application and contact you if we need more information.

Conditional approval.
If your application looks good, you’ll move on to Phase 2.

Phase 2 – Reflection and Reference

Watch a short video.
Learn about our services, your responsibilities, and the opportunities available through STE.

Complete the Reflection and Reference Form.
You’ll answer a few short questions about the video and share your thoughts on money management.

Provide a peer reference.
Name one person (not living with you) who believes you’ll do your best to repay your loan. They’ll receive notice if you miss a payment — but they are not financially responsible for your loan.

“Pay it forward.”
Your insights can help others. We ask you to share one or two lessons or tips about managing money.

Final approval & funding.
Once your reflection form and reference are received, we’ll finalize your loan and release funds — often within a few days.

Prefer to talk first?
Schedule a quick call or contact us.

Our Loan Products

Emergency Loan (Payday Alternative)

A small, no-interest loan to cover urgent expenses like rent, utilities, or car repairs. Avoid payday lenders and gain breathing room when life gets stressful.

Credit Builder Loan

Make small monthly payments into a savings account and get the money back at the end — along with a better credit score. Perfect for anyone ready to build savings or repair credit.

Step-Up Credit Builder Loan

Start small and increase the amount as you build a record of on-time payments. Each step strengthens your credit and savings habits.

Hybrid Credit + Savings Loan

Start small and increase the amount as you build a record of on-time payments. Each step strengthens your credit and savings habits.

Line of Credit

Borrow up to a set limit as needed without re-applying each time. Provides flexibility and peace of mind for ongoing expenses.

Group-Based Options (For Success Circle Members)

Group Credit Builder Loan: Each member gets a loan, and the group supports accountability. ROSCAs / ASCA Models: Community savings and lending circles that encourage mutual support.

Eligibility and Requirements

Who can apply:

Live in the Greater Cleveland area
Have a checking account for loan payments
Be referred by a nonprofit partner (for some loans)
Be willing to communicate and follow through on repayment
No credit check required. Your stability, reliability, and engagement matter more than your credit score.

Frequently Asked Questions

How much can I borrow?

First-time borrowers can typically borrow $100 to $400, depending on how they are referred to us. Successful repayment can make you eligible for larger or additional loans over time.

Why does STE have a two-phase process?

We want to ensure that every borrower understands how our loans work and feels supported. The second phase helps you connect with our mission, build trust, and reflect on your financial goals.

Do I need good credit to qualify?

No. Our loans are designed for people who may have little or no credit history. Making on-time payments helps you build or repair credit.

How long does it take to get approved?

Most applications are reviewed within two business days. Loans are usually funded a few days after the reflection form and peer reference are received.

What happens if I miss a payment?

We’ll reach out to help you get back on track. We don’t charge late fees, but we will notify your peer reference if you miss a payment.

Why do I need a peer reference?

We believe financial security grows through community. Your reference simply vouches that you’ll do your best to repay and provides gentle accountability.

What does ‘paying it forward’ mean?

Your loan saves you hundreds compared to payday lenders. Instead of fees, we ask you to give back by sharing your financial insights to inspire others.

Do I need to join a Success Circle to apply?

Not right away. Individual borrowers can apply directly. Success Circles offer extra community support and are encouraged for future loans.

Is my information secure?

Yes. We protect your personal information and never share or sell data.