Harvard University Empl Credit Union

Small business loans from $10,000 to $500,000. 1 page application, approval in 1 day and loan funds in as little as 3 days. This is a signature loan with no collateral. 90% approval rate. Micro payments for payback,. No big payment at the end of the month. Super easy to qualify. Open 24 hours a day.

Harvard University Empl Credit Union in Sacramento, California offers small business loans designed to help local entrepreneurs access flexible funding with a streamlined application process. Loans range from $10,000 to $500,000, and the program uses a 1-page application with approval in as little as 1 day. Loan funds may be available in as little as 3 days, supporting businesses that need faster access to working capital. The credit union provides a signature loan option with no collateral, and the repayment structure is designed to be manageable with micro payments—helping avoid a large payment at the end of the month. The lending process is described as super easy to qualify for, and the program highlights a 90% approval rate. For convenience, it is open 24 hours a day, making it easier for Sacramento-area business owners to apply on their schedule.