Providing business and consumer loans throughout Oregon

Apply For a Loan

Community LendingWorks provides both personal loans and business loans throughout the state of Oregon. Personal loans range from auto loans to home repairs, and business loans are available to artisans, micro-enterprise, agricultural and small businesses that need capital to start or grow.

About The Process

The process of applying for a small business loan with Community LendingWorks is divided into 4 phases. By completing a loan inquiry online, it allows us to quickly determine if we may be able to help you get the financing you need. The process below is a general guide, as CLW does customize the review and approval processes by taking into account your individual circumstances, requests and needs. We do not use software to get to a “yes” or “no” answer.

PHASE 1: Applicant completes online inquiry form

  • 10-15 minutes to complete
  • Provide information about your business, capital needs & financial condition
  • Be transparent. All businesses have their challenges– share the bad, as well as the good.

PHASE 2: CLW reviews your completed inquiry form

  • It takes up to 5 business days to review your inquiry. We will proceed in the following ways:
  • Invite you to complete a full application (this process is not done online).
  • Ask for additional documentation (business plan, financial projections, etc).
  • If CLW is not a good fit at this time, if possible, recommend other lending options.

PHASE 3: Applicant fills out & submits full loan application

  • A CLW loan officer will be in contact and will help you compile a complete application.

PHASE 4: Working towards approval

  • Our underwriting team will review your application and communicate if additional information is needed.
  • Approval generally occurs within 30 days of a completed application. Ask your loan officer about a potential timeline.
  • Closing within 5 days of approval if all closing conditions are met.

Small Business

The small business loan has been specifically designed for micro-entrepreneurs and small business owners who need to purchase items such as equipment or inventory AND for those that are looking for start-up or expansion funding.


The Micro-Enterprise Loan is specifically designed for new and young businesses with small capital requests up to $7,500 for factors of production and capacity expansion. Items such as equipment, inventory, and supplies.

Marketplace Loans

The marketplace loan is a short-term loan designed to help growers, food vendors and artisans get through the market and/or event season. Funds can be used to pay for inventory, booth fees, equipment, signage, etc.

Auto Loan

Whether your goal is to purchase a new or used vehicle, lower your monthly car payments or reduce the total interest you pay on your current car loan, CLW is here to assist.

Personal Loan

If life throws something unexpected your way, a personal loan can help you keep your debt under control and your finances on track.

Credit Builder Loan

The Credit Builder loan is a small loan, designed to help you establish or boost your credit profile. CLW’s Credit Builder loan differs from many other ‘credit builder’ products on the market today, as it is set-up more like a savings plan that builds credit over a 12-month period.