The Iowa Able Foundation is a non-profit providing direct lending services. We are a regulated lender licensed in the state of Iowa. For the Alternative Financing Program and Business Loan Program, loans range from $500 to $25,000. Loans can be used on their own or paired with donations or funding from other programs such as Vocational Rehabilitation, Easter Seals, or Medicaid waiver funds. The Iowa Able Foundation reports payments to credit bureaus through a partnership with the Credit Builders Alliance.
Here are our loan programs:
- Alternative Financing Program: These loans provide financing for assistive technology and home modifications/repairs. Assistive technology is defined as any item, piece of equipment or device that enables an individual to improve individual independence and quality of life. Some examples of assistive technology include vehicle purchases or modifications, lifts, hearing aids, and computers. Home repair loans may be used for projects deemed necessary to ensure a safe and accessible home environment.
- Business Loan Program: The Iowa Able Foundation seeks to increase home-based employment and self-employment opportunities for individuals with disabilities. These loans include small business start-up and expansion costs, such as the purchase of equipment, inventory and marketing. We can also provide financing for employers purchasing workplace accommodations. Loans cannot be used to purchase real estate.
- Credit Builder Loan Program: These loans help people build or establish credit. These loans are between $100 and $500 and are paid back over 6 months and borrowers complete free financial coaching sessions with our financial coaches. Clients that make on-time payments throughout the history of the loan can see significant increases in their credit scores or the establishment of a credit score in the mid-600s.
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Our interest rates are linked to the buy strong phentermine. For secured loans, our interest rate is the prime rate plus 4.5%. For unsecured loans, our interest rate is the prime rate plus 9.5%. We do not take security for Credit Builder Loans and we cannot secure real estate.