WORC Business Loans
At WORC, we believe access to capital should never stand in the way of a great idea. For more than 30 years, we’ve supported entrepreneurs across the Philadelphia region and southern New Jersey in building and growing successful businesses.
Whether you’re working to establish credit, launching a new venture, or preparing to purchase commercial property, WORC offers flexible loan products designed to meet you where you are. Every borrower also receives personalized, one-on-one guidance—so you’re not just getting a loan, you’re gaining a trusted partner committed to your success.
How the Loan Program Works:
WORC uses a step-lending approach, matching you with the right amount of capital at the right time. Along the way, we provide:
- Pre- and post-loan support to strengthen business planning and financial management
- Credit and savings programs for borrowers working to improve their financial profile
- Connections to grants and equity products to reduce upfront costs like down payments and closing fees
Eligibility Highlights:
- Serving businesses in Philadelphia, Bucks, Chester, Delaware, and Montgomery Counties in Pennsylvania, plus Camden County in New Jersey and New Castle County in Delaware
- No collateral required for most loans
- Credit challenges considered; credit-building support available
Loan Products
| Start-Up Loan | Up To $10,000 |
| Small Business Loan | Up To $20,000 |
| Expansion Line of Credit | Up To $20,000 |
| Expansion Loan | Up To $50,000 |
REAL ESTATE
COMMERICIAL REAL ESTATE
WORC Real Estate Loans
Owning your business property isn’t just about having a place to work—it’s about building equity, creating stability, and securing your future in the community you serve.
Through WORC’s Commercial Real Estate Loan Program, small business owners can purchase their property and reduce the risk of displacement caused by rising rents and neighborhood change. By supporting entrepreneurs in becoming owners, we’re strengthening local business corridors, preserving community character, and creating long-term wealth.
Why It Matters
When business owners control their space, they protect their livelihood while helping build stronger, more resilient neighborhoods rooted in community ownership.
Loan Features:
- Loan Amounts: Up to $350,000
Location: Philadelphia, Bucks, Chester, Delaware, and Montgomery Counties in Pennsylvania, plus Camden County in New Jersey
- Property Use: At least 51% of the building must be for your business operations
Minimum Credit Score: 550+
- Support Services: WORC provides guidance from application to post-closing, plus connections to equity and grant funds to help with down payments and closing costs
- Grants: Up to $35,000
Real Estate Loan Requirements:
- A credit score of 550+ is required
- Max loan amount $350,000
- 51% of the building must be used for business operations
- Location: Philadelphia, Bucks, Chester, Delaware, or Montgomery County
- Demonstrated ability to repay
- Women and minority-owned businesses encouraged to apply