There is a structural gap in modern capitalism. Businesses often find themselves too large for personal credit cards yet too small or "risky" for major bank loans. This is the "missing middle." At
The "Missing Middle": Why Traditional Capital Overlooks Micro-Businesses
The Credit Score Paradox
Traditional lenders rely heavily on personal FICO scores, a metric that disproportionately affects minority business owners due to historical wealth gaps. We take a different approach. By analyzing revenue and potential rather than just a credit score, we offer capital business solutions that truly fit. Best of all, applying does not impact your personal credit scores.
The High Cost of Being "High Risk"
The cost of capital is often higher for minority-owned businesses. Federal Reserve data indicates that Black entrepreneurs are denied bank loans at nearly twice the rate of white business owners. We counter this with speed and transparency, providing a financing capital solution that offers funding in as little as one day, bypassing bureaucratic delays.
The Role of Community Lenders
Specialized funds like the Verité Community Business Fund play a crucial capitalist function. Injecting capital into underserved markets is not charity; it is tapping into a high-growth segment ignored by standard types of venture capital financing. We recognize the immense value in these communities, viewing them as vital partners rather than risky liabilities for our investors.
Moving from Survival to Strategy
Access to reliable working capital changes a business's trajectory. It allows micro-businesses to stop operating day-to-day and shift toward long-term strategy. Whether it is buying inventory in bulk or hiring essential staff, our funding helps you transition from survival mode to true capitalist growth, empowering you to gain control of your finances.
We believe that your business deserves the chance to thrive, regardless of its size or history. By bridging the gap in traditional lending, Verité Diversity Business Fund empowers you to build generational wealth.