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Seward Co-op Now Open
““Now people tell us all the time that they love their jobs””
— Rebecca Koehler, Marketing Coordinator, Cooperative Care

Capital that Supports a Co-op's Mission and Structure

Shared Capital offers co-op-friendly financing. We have been providing loans to co-ops for more than 45 years and have financed more than 1,000 cooperative projects. 

Who Can Borrow

Any business or housing organization in the US operating on a cooperative basis.
Businesses transitioning to shared ownership.

The co-op must be a member to borrow. Membership is open to all cooperatives and enterprises operating on a cooperative basis.
You can apply now and become a member when you get the loan.  

What Kind of Loans are Available

Loans of $5,000 to $1,000,000 are available for one to ten years. For projects requiring more, we can partner with other lenders. Loans are made to cooperatively owned small business, microenterprises, commercial real estate and multi-family and affordable housing.

Business Loans

  • Expansions and relocations
  • Leasehold improvements
  • Equipment
  • Inventory
  • Working capital
  • Real estate acquisition or refinance
  • Startup
  • Conversion to cooperative ownership

Housing Loans

  • Real estate purchase / mortgage
  • Refinance a mortgage
  • Rehab, repairs and improvements

Recent Borrowers

See how cooperatives across the country are using capital to build a more just and equitable economy.

View All Borrowers

Slow Bloom Coffee Cooperative

Riverside, CA

$100,000

to purchase a roaster and related equipment to roast and sell their own coffee at this worker owned, union coffee shop

Students Cooperative

Minneapolis, MN

$1,473,000

to a housing co-op to renovate 32 units of student housing

Flora Cooperative

Milwaukee, WI

$20,000

in working capital for worker cooperative construction and print shop

Nick's Pizza

Oakland, CA

$350,000

to employees to convert pizza shop to a worker cooperative

Flora Cooperative

Milwaukee, WI

$60,000

to expand printing capabilities and a new delivery vehicle for a worker co-op

Ignite Business Women Investment Group

Brooklyn Center, MN

$1,204,000

to purchase a shopping center by a Black and immigrant women tenant cooperative

Seward Community Co-op

Minneapolis, MN

$1,034,000

to revitalize and renovate a 50 year old food co-op

Jumpstart Housing Cooperative

Chicago, IL

$510,000

to start a housing co-op for formerly incarcerated women

The Improve Group

Saint Paul, MN

$450,000

to employees to convert consulting business to a worker cooperative

Nondiscrimination Notice

In accordance with federal law and U.S. Department of the Treasury policy, this institution does not discriminate on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to: crcomplaints@treasury.gov.