Working Solutions is the First to Believe in start-up and early-stage businesses by providing diverse entrepreneurs with affordable capital, customized business consulting, and community connections to increase economic opportunity in the San Francisco Bay Area.


Working Solutions envisions a future where all small business owners are empowered with credit choices, are financially resilient, and strengthen the local community through entrepreneurship.


  • Focus on start-up and early-stage financing

  • Fund entrepreneurs with capital consisting of loans ranging from
    $5,000 to $50,000

  • Provide every funded entrepreneur with up to 5 years of
    one-on-one consulting and resources

J Style at Home

J Style at Home

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RGB Gallery


  • $20 million in microloans disbursed

  • 770 loans funded

  • 96% repayment rate

  • $26,000 average loan size

  • $1.8 million in small business grants made to 177 small businesses


  • 20,000+ entrepreneurs educated

  • 9,000+ hours of business consulting provided


  • 4,000+ jobs created and retained

  • 80% early-stage businesses

  • 50% start-up businesses

  • 80% low- or moderate-income owned businesses

  • 60% women-owned businesses

  • 50% people of color-owned businesses


Working Solutions began in 1999 as a workforce development program under the auspices of TMC Financing. By 2005, Working Solutions had commenced its own microlending program. Since then, Working Solutions has perfected our holistic approach to community economic development, blending our lending services with business coaching and mentoring programs. Emily Gasner, Working Solutions' founding CEO, was honored with the 2008 Financial Services Champion of the Year Award by the San Francisco Small Business Administration. In 2009, Working Solutions was designated a United States Community Development Financial Institution (CDFI).  

We follow fair, responsible, and transparent lending practices, and are a signatory of the:

Working Solutions is a proud member of: