ARTcap Microloans
for Creatives

Artists and creatives enrich and serve vital economic roles in our communities.

ARTcap helps artists and creatives grow their businesses with accessible capital and mentorship.

Pictured: Emily Reinhardt, The Object Enthusiast

ARTcap Express details

ARTcap Express helps artists and creatives in Kansas, Missouri, and Texas to quickly access loans from $1,000 to $10,000 to start up, operate, or grow a business.
This microloan offers a unique support element where interested applicants can access an ARTcap Artist Coach to help them develop their businesses and navigate the loan process.
Larger loans are also available — learn more here.
This microloan is available to sole proprietors, LLCs, and corporations at any stage of growth. It can be used for supplies, new equipment, space improvements, marketing, payroll, and more.
No collateral is required. Varying credit scores will be considered, and lending decisions can be made within 5–7 business days after all application documents are received.
Larger loans are also available — learn more here.
Here are the following fees and terms for ARTcap Express:
- $1,000-1,999: 4% origination fee; 11% interest rate; payable over 12 months
- $2,000-3,999: 4% origination fee; 11% interest rate; payable over 24 months
- $4,000-10,000: 2% origination fee; 11% interest rate; payable over 36 months
There is no fee for an early payoff.
Applicants who are sole proprietors or starting a business will need:
- One form of picture ID
- Resume / portfolio / work experience
- Most recent year of personal tax returns, including all schedules
- Proof of income
Applicants with existing businesses will also be required to submit (if applicable): tax forms, financial statements, and organizational documents.
Si necesita un préstamo para pequeñas empresas y necesita ayuda en español, comuníquese con Karina Lopez al (833) 549-2890 o karina@altcap.org.
Click the link below to submit an ARTcap Express application, which will include a credit report authorization.
After submitting the application, the ARTcap Administrator will contact you to talk through required documents and next steps.
If you need more assistance or have additional questions before you get started on your application, below you can register to attend one of our free monthly info sessions or fill out our contact form to be connected to an Artist Coach.