Business Services

Small Business Loans

If you are a hard-working entrepreneur and have a sound business plan,
we provide access to credit, technical assistance and small business loans ranging from $10,000 to $125,000 at affordable interest rates. Our goal is to strengthen our community’s economic base by creating more jobs and helping more individuals and families realize self-sufficiency through business activity.

Download Loan Application (PDF)

NCD is a Community Development Financial Institution (CDFI) certified by the US Department of Treasury.

Since 2007, NCD has made micro and small business loans in Nogales and Santa Cruz County totaling $1.3 million.

Loan Products

  • Micro-Loans ($9,500 to $50,000)
  • Small Business Loans ($50,000 to $150,000)
  • Current Interest Rates ranging from 6 to 8.5%

Eligible Uses of Funds

  • Working capital
  • Equipment
  • Property
  • Start-up
  • Expansion (flexible)
    • Loans must be collateralized
    • Goal is job creation & retention

 Documents you need for enrollment in program:

  • Application and loan generation fees are assessed
  • Picture ID (driver’s license)
  • Social Security card
  • Proof of residence (utility bill, etc.)
  • Business plan, including financial projections for five years
  • Tax returns for past three years (personal & business)
  • Proof of collateral
  • NCD business loan application
  • Proof of income (last two months of pay stubs)
  • Last two months of checking and saving account statements

For further information, please contact Nogales Community Development: 520.397.9219 or