The nonprofit small-business lender DreamSpring has announced it has lowered interest rates and implemented a rate ceiling on loans. These and other 2026 measures aim to increase access to small business financing and ensure long-term affordability for its loan clients.
In a letter posted on the DreamSpring website, Acting CEO Marisa Barrera said DreamSpring has been guided for over three decades by the belief that human potential is unleashed when people have the opportunity to shape their own future. DreamSpring facilitates this by offering access to capital that fuels small business vitality. Businesses grow, jobs are created, and communities are strengthened.
Barrera said access to fair, affordable financing remains out of reach for far too many, and that’s why she is leading DreamSpring to meet the moment in 2026.
“Across the country, entrepreneurs are facing rising costs, economic uncertainty, and limited access to affordable capital,” said Barrera. “Every day, thousands of viable small business loan requests go unfunded because they do not meet traditional lending criteria. Yet an alternative exists. At DreamSpring, we know what is possible when capital is paired with trust, education, and long-term support. We see it in the businesses that grow, the jobs that are created, and the communities that are strengthened,” she said.
In reaffirming its commitment to small businesses, DreamSpring is focusing on three priorities:
- Investing in a best-in-class suite of lending products — from microloans and term loans to commercial real estate financing, lines of credit, U.S. Small Business Administration (SBA) lending, and tailored financing for creatives, care providers, startups, light manufacturers, and high-growth industries.
- Leveraging its in-house technology platform to make capital more accessible, secure, and responsive to urgent needs such as recovery financing.
- Leading with transparency, advocacy, and accountability through collaboration, thought leadership, responsible capital stewardship, and scaling its impact sustainably.
Barrera announced additional measures she said are part of DreamSpring’s reaffirmation of its commitment to providing accessible, affordable capital.
“We have lowered our interest rates and instituted an interest rate ceiling to ensure that entrepreneurs can readily access capital that supports long-term success,” she said. “This step reflects who we are and what we believe: that affordably priced capital for entrepreneurs is essential to expanding access, building trust, and creating pathways to generational economic mobility.”
“DreamSpring,” said Barrera, “is scaling what we do best — delivering innovative capital, personalized support, and barrier-breaking technology — while staying rooted in compassion, transparency, and financial stewardship.”