Our Community

Community Partnership Lending

The Community Partnership Loan Program is a way for SCCCU to provide loans to people who might not otherwise be able to qualify for a loan.

Increasing access to capital for under-served people has been at the heart of the SCCCU's mission and we are continually seeking avenues to develop products and services that benefit our members and our community.

This innovative program is a collaboration with community-based organizations. It represents another step in outreach to low-income people in our community while combining the knowledge, experience, resources, and capacity of SCCCU and of each partnering organization.

Current Program

Our first shared initiative is with the El Pajaro Community Development Corporation (EPCDC), and will provide microenterprise loans to startup businesses working with the EPCDC. EPCDC has more than 20 years of experience in the provision of bilingual/bicultural small business assistance and job creation for primarily minority and low-income entrepreneurs. EPCDC is best known for its successful operation of the Plaza Vigil Business Incubator Program in Watsonville.

How It Works

  • The nonprofit affiliate raises funds to support the loans.
  • The funds are deposited with SCCCU.
  • SCCCU agrees to fund loans to a maximum of double the funds on deposit.
  • The nonprofit screens applicants and helps applicants complete the SCCCU business application.
  • SCCCU makes all decisions regarding approval or denial of the loan application.
  • Loan size is between $2,000 and $5,000.
  • Loan terms are between one and two years.
  • The fund operates as a revolving loan fund where loan funds are available as loans are repaid back into the fund.

SCCCU has always supported microenterprise through our lending for low-income people and those who otherwise have limited access to capital. Microenterprise is generally defined as small businesses with five or fewer employees, requiring startup capital of less than $25,000. Lending to small businesses is widely viewed as a strategy of poverty alleviation. We are proud to develop innovative programs to increase our lending to small businesses.

You can also call (831) 460-2345 or mail a check to:

Santa Cruz Community Ventures

324 Front Street

Santa Cruz, CA 95060

ChildCare Ventures

ChildCare Ventures is a program that was designed to ensure our local community has the necessary childcare programs working families desperately need. The guiding mission of ChildCare Ventures is to:

  • ensure childcare is considered a vital element of local community economic vitality;
  • facilitate the development of childcare facilities as a part of the economic infrastructure, particularly in low-income neighborhoods, and;
  • support childcare programs as sustainable enterprises.

We believe childcare programs must have access to business management training in order for local childcare facilities to keep pace with the rapid increase in demand. This includes access to technical assistance in facilities development, appropriate loan products, and land use and real estate assistance.

ChildCare Ventures is a program of SCCCU. It is a collaborative effort of the Central Coast Small Business Development Center, El Pajaro Community Development Corporation, Santa Cruz Community Ventures, the Human Resources Agency of Santa Cruz County, and Santa Cruz County Office of Education Child Development Resource Center.