EO Microlending

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Small Personal and Emergency Loans

EO’s mission-driven microlending program helps individuals, families and communities build assets, gain knowledge, and increase credit by providing small personal loans up to $1,500 and small business loans up to $50,000 (see next column). These flexible, credit-builder loans are simply meant to help those in precarious situations. If you are having trouble paying rent, have an emergency medical bill, a broken-down vehicle, or other financial emergency, please contact us for help. Small personal loans also help build credit scores, because EO lending activity is reported to the three major credit bureaus. (Loan payments made on time reflect positively on a credit report).

Nearly 4 in 10 Idaho households struggle to afford the basics of a household budget. Individuals and families in emergency situations are often forced to rely on payday lending sources with interest rates averaging 600%, which can push families into an unsustainable cycle of debt. If you need a small personal loan, please contact us first!

Small Business Loans and SBA Intermediary Loans


For those who need a small business loan, startup capital, or an emergency loan, EO may be able to help! If you can’t qualify for a traditional bank loan, EO offers alternative loans for startups and entrepreneurs. If your business needs a small loan to keep you going through a rough period, let us know. EO offers business microloans loans up to $50,000.

Since 2002, EO has successfully worked with more than a thousand individuals to help launch hundreds of local businesses that have created hundreds more jobs—all contributing to greater self-sufficiency and growing the local economy. It’s a ripple effect of success by every measure.

Please contact us for more information.

"The average payday loan borrower is in debt for five months of the year, spending an average of $520 in fees to repeatedly borrow $375."

PEW, pewtrusts.org, Jan 14, 2016

What is EO Microlending?

EO is a nonprofit microlender that empowers entrepreneurs individuals, and families from all walks of life. We proudly serve community members that do not qualify for loans at traditional banks. We help them start a new business, repair credit, or rebuild a new life.

EO has helped hundreds of individuals, especially underserved groups such as women, immigrants, refugees, Latinos, Native Americans and veterans, achieve personal and small business financial success. With proper support in place, individuals with legitimate skills and understanding of personal financial practices are free to achieve. From family stability to business dreams, Jannus EO helps people succeed and live the lives they want. The specific finance support we offer clients helps them take vital steps to secure capital and manage it effectively. Since 2012, EO-supported businesses have generated over $12.5 million in revenue, which plugs right back into our local economy.

For more information about the terms and conditions of our lending opportunities, to refer clients, or discuss fundraising and financial support, please contact us. We'd love to hear from you.