Small Business Lending & Assistance

About Eligibility Apply Now Financial Institutions

About the Program

Helping Small Businesses Succeed with Affordable Financing

The Brightpoint Development Fund provides affordable loans and business development services for small business owners looking to grow and entrepreneurs just starting out.

Who We Are

Founded in 2011, we are a nonprofit lender serving northeast Indiana. As a:

  • U.S. Small Business Administration (SBA) Micro Lender
  • U.S. Department of the Treasury Community Development Financial Institution (CDFI)

We provide alternative financing for those who may not qualify for traditional bank loans due to:

  • Past credit challenges
  • Business structure or industry type
  • Need for smaller loan amounts

How We Help

Beyond financing, we offer business development services to support:

  • Business plan writing & registration
  • Marketing & branding
  • Bookkeeping & financial management
  • Other essential business activities

How It Works

  • Personalized learning – We identify key areas where you need support
  • Expert training – Learn from local business experts
  • Flexible learning options – Choose from:
    • Group workshops led by industry professionals
    • One-on-one coaching with Brightpoint Development Fund staff

Our goal is simple: to equip you with the knowledge and skills to grow and sustain your business.

What Makes Us Different

At Brightpoint Development Fund, we go beyond just financing—we invest in your success. Every borrower participates in our technical assistance program, designed to build essential business skills based on individual needs.

Brightpoint Development Fund offers two small business loan products:

Small Business Microloans

Designed for start-ups and early-stage businesses, microloans help entrepreneurs move from a hobby or part-time venture to a full-time business.

Loan Terms:

Small Business Loans

For new or growing businesses, these loans provide capital to expand operations, scale, or reach new milestones.

Loan Terms:

Application and Loan Fees

Eligibility

General Requirements

At least 18 years old

A U.S. citizen or lawful resident. Lawful residents include individuals with Permanent or Conditional Resident status (Green Card), Authorizations to Stay, Asylum, or Visas, as defined by the U.S. Department of Homeland Security

Business Requirements

  • Own or plan to start a for-profit business or a nonprofit child care business in Brightpoint's service area
  • Registered with the Indiana Secretary of State
  • Hold an EIN (Employer Identification Number) from the IRS
  • Obtain any required licenses or certifications for the business
  • No bankruptcy filed in the past 12 months
  • Current on child support obligations
  • In good standing with all State and Federal agencies
  • No convictions for financial crimes such as fraud, theft, embezzlement, bribery, or forgery
  • No ongoing criminal or civil cases related to fraud or financial misconduct
  • Not currently on probation, parole, or serving a court-ordered sentence

Next Steps

Apply for a Small Business Loan

Ready to apply? Follow these steps to navigate the loan application process smoothly.

Step One: Prepare for the Process
Step Two: Gather Your Documents
  • Use the Checklist – This checklist outlines all the information and documents required for your application.
  • Pro Tip: Print a copy to keep track of your progress.
Step Three: Start Your Online Application

Apply Now

Please Note: This questionnaire is just an outline of Brightpoint Development Fund’s eligibility criteria and other requirements. It has been generalized and does not necessarily detail all criteria and requirements. Brightpoint reserves the right to deny a loan application for any reason legally allowed and to change any criteria and requirements at any time.

More Information

The common Brightpoint borrower is someone who has trouble accessing traditional financing because of past credit issues, limited collateral, not enough business history, limited owners’ equity in a project, or various other reasons. While a borrower may be lacking in some of these areas, Brightpoint will examine a borrower’s character, industry experience, and business plan when looking at a loan application.

Community Partners

Score
Indiana Small Business Development Center
Northeast Indiana Innovation Center
Fort Wayne Community Development Corporation
Fort Wayne Urban Enterprise Association

Contact Us

Call (260) 399-4108 or fill out the contact form and someone will get back to you within two business days.

Contact Us

Testimonials

Benefits to Financial Institutions

We offer financial institutions a place to send business owners turned down for a loan while keeping them as customers. Brightpoint will also send the financial institution a report about the technical assistance provided, and capital lent to their customers. To find out more, contact us.

 

Title VI and Section 504 Notice of Protections Against Discrimination
In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. You can file a complaint of discrimination with the Department, by mail to U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, 1500 Pennsylvania Ave. N.W., Washington, D.C. 20220 or by email to crcomplaints@treasury.gov.