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.

ARTcap details

  • ARTcap Express is a microloan program helping artists and creatives in Kansas, Missouri, and Texas to quickly access loans under $10,000.

    ARTcap is a microloan program helping artists and creatives in California, Colorado, Kansas, Missouri, Nebraska, or Texas to access loans exceeding $10,000.

    Both microloan products offer a unique support element where interested loan applicants can access an ARTcap Artist Coach to help them develop their businesses and navigate the loan process. See more details below.

  • An ARTCap Express loan provides artists and creatives in Missouri, Kansas or Texas with $1,000 to $10,000 in debt capital to start up, operate, or grow a business.

    Varying credit scores will be considered, and lending decisions can be made within 5-7 business days after all application documents are received. Interest rates are fixed at 9% with 3-year terms. No collateral is required.

  • An ARTcap loan provides artists and creatives in California, Colorado, Kansas, Missouri, Nebraska, or Texas with $10,001 to $250,000 in debt capital to launch, operate, or grow a business.

    Varying credit scores will be considered, and lending decisions can be made within 30-45 business days after all application documents are received. Interest rates are fixed up to 12.5% with 3-year terms. Providing collateral may help you access better loan terms.

  • For ARTcap Express loans under $10,000, there is a flat origination fee of 4%. There is no fee for an early payoff.

    For ARTcap loans over $10,000, there is an origination fee starting at 4%, depending on your loan amount. Other fees may include UCC filings, vehicle lien filings, or title recording fees. 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

    • Two most recent pay stubs

    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.

  • There are two distinctly different applications and documents required for ARTcap Express loans (under $10,000) and ARTcap loans (over $10,000). Please carefully review the section below to select the correct process.

    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 informational sessions or fill out our contact form to be connected to an Artist Coach.

ARTcap Express Loans Under $10,000

Artists in Kansas, Missouri, or Texas who need a
loan less than $10,000.

ARTcap Loans Over $10,000

Artists in Colorado, California, Kansas, Missouri, Nebraska, or Texas who need a loan more than $10,000.

ARTcap Express is funded through a partnership with Etsy. Learn more here.

Meet our Artist Coaches

ARTcap coaches can help you develop your business strategy, financial planning, and loan application.  

Reach out using the contact form below to schedule your free consultation.  

CHRIS DAHLQUIST

Kansas City artist and arts business consultant.
See her work here.

EEPI CHAAD

Houston visual artist and designer.
See her work here.

ERIN MCGRANE

Kansas City musician and arts business consultant.
See her work here.

Contact us for
ARTcap Express

ARTCAP PARTNERS