Expanding economic opportunities for underserved people and communities by providing access to the capital needed to prosper
LENDING
Communities Unlimited is a U.S. Treasury-certified Community Development Financial Institution (CDFI).We expand economic opportunities for underserved people and communities by providing access to the capital they need to prosper. We offer a variety of lending opportunities for small businesses, water/wastewater needs, and housing.
Communities Unlimited makes loans to small businesses to position them for profitable growth leading to new jobs and local economic development. With loans of $1000 to $100,000, we fill gaps in small business financing. Below is additional information about how you can connect with our lending staff to inquire about a small business loan.
Communities Unlimited was certified as a Community Development Financial Institution (CDFI) in 2001. Communities Unlimited has over $16 million in assets and has made over $45 million in loans to small rural communities and small businesses in 24 states.
Small Business Loans
Loan Applications
Loan Information Flyers
We make loans to small businesses to position them for profitable growth with funding provided by Wells Fargo. See more about our loan products
Microloans are designed for women, low-income, veteran and minority entrepreneurs in need of small amounts of financial assistance.
English Flyer
Español
We make loans to small businesses to position them for profitable growth leading to new jobs and economic development. See more about our small business loans
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Water & Wastewater Loans
Communities Unlimited offers financing to rural communities and tribal nations to improve and maintain their drinking water and wastewater systems.
Eligibility includes local government, nonprofit corporations, and tribal nations that,
- Serve a significant number of low-income customers;
- Population of < 20,000;
- Have the cash flow for debt service or have permanent takeout financing; and,
- Are willing to accept no-cost technical assistance if needed.
Emergency Financing
In the event of a natural disaster or catastrophic system failure, emergency loans can be processed within 1 – 3 business days.
Rural Community Resources
- Info sheet in English: Rural Community Water & Wastewater System Loans (PDF)
- Info sheet in Spanish: Prestamos de Agua y Aguas Residuales (PDF)
- Loan Application: Rural Community Water & Wastewater (PDF)
- Spanish Loan Application: Solicitud de Prestamo Para Proyectos de Agua/Aguas Residulas (PDF)
- Technical assistance is available for:
- Assessments for CDBG Applications
- USDA Facility Financing: Technical assistance cost may be substantially or completely subsidized by CU's funding from USDA.
- Assessment Info sheet in English: Private Well Owner Assessment Program (PDF)
- Assessment Info sheet in Spanish: Evaluacion de Pozos de Agua en el Hogar (PDF)
- Septic System and Water Well Financing Info sheet in English: Household Septic System and Water Well (PDF)
- Septic System and Water Well Financing Info sheet in Spanish: Prestamos para Sistemas Septicos Domesticos y Pozos de Agua (PDF)
- Septic System and Water Well Loan Application in English: Household Septic System and Water Well Loan Application (PDF)
- Septic System and Water Well Loan Application in Spanish: Aplicacion de Sistemas Septicos Domesticos y Pozos de Agua (PDF)
- Info sheet in English: CU Rural Community Facility Financing (PDF)
- Info sheet in Spanish: CU Prestamos Para Instalaciones Comunitarias (PDF)
- Download the Application: CU Rural Community Facility Financing (PDF)
- Download the Application in Spanish: CU Solicitud De Prestamo Para Instalaciones Comunitarias (PDF)
- Technical assistance is available for:
- Assessments for CDBG Applications
- USDA Facility Financing: Technical assistance cost may be substantially or completely subsidized by CU's funding from USDA.
Eligibility includes local government, nonprofit corporations, and Indian tribes on Federal and State reservations and other Federally-recognized Indian tribes that,
- Serve a significant number of low-income customers;
- The population of the service area cannot exceed 10,000;
- The loan amount cannot exceed $200,000 or 75% of the total cost of a project. The total amount outstanding for all loans to one entity shall not exceed $200,000;
- Term cannot exceed 10 years;
- Loan recipient must meet test for credit;
- Loan recipient must have legal authority to own, construct, operate, and maintain the facility, and for giving security for and repaying the proposed loan;
- Have the cash flow for debt service or have permanent takeout financing; and,
- Are willing to accept no-cost technical assistance if needed
Nuestra Casa

Small dollar loans to people in the Colonias for home improvement projects
- Info sheet in English: Nuestra Casa Home Improvement Loans (PDF)
- Info sheet in Spanish: Préstamos para Mejoras en el Hogar de Nuestra Casa (PDF)
- Download the Application: Home Improvement Loan Application (PDF)
- Download the Application in Spanish: Solicitud De Prestamo para Mejoras del Hogar (PDF)
Lending Team

Bryn Bagwell

Debra Williams

Jane Coffin

Michael Rivera

Chris Ranniger

Chris Tillman

Amber McClellan

Candence Brooks

Yessie Hernandez

Director of Lending
Bryn Bagwell
Bryn Bagwell, Director of Lending based in Fayetteville, Arkansas, began at Communities Unlimited in January 2021.
She leads the lending team and manages Communities Unlimited CDFI assets in support of mission-based lending. The CDFI includes small business, consumer and commercial portfolios with assets in excess of $17 million. She is also in charge of Communities Unlimited PPP lending program in response to the COVID-19 pandemic. She has extensive experience in banking and lending.
She has a bachelor of arts degree in Psychology-Religion and a master’s degree in Business Administration from the University of Arkansas at Little Rock. She graduated from the Mid-South School of Banking in Memphis, Tennessee, in 1990 and the American Institute of Banking in Norman, Oklahoma, in Commercial Lending in 1992.
Phone:(479) 443-2700

Senior Economic Development Officer
Debra Williams
Debra Williams, Senior Economic Development Officer, joined Communities Unlimited in May 2021.
She is responsible for originating quality loans through internal and external referral sources. She also develops strategies to market the bank’s SBA and small business grant programs to entrepreneurs with financing needs. She came to Communities Unlimited with a strong financial background, from her previous roles as a Vice President/Loan Manager for Arvest Bank as well as Vice President of Commercial lending for RCB Bank.
Debra has a BS in Business Administration, Marketing Management Orientation from Southwest Baptist University in Bolivar, Mo.
Phone:(479) 443-2700 ext. 212

Loan Operations Manager
Jane Coffin
Jane Coffin, Lending Assistant Communities Unlimited. With 16 years of nonprofit experience, Jane brings her office management skills to her role as Lending Assistant. Her duties include post loan management, compliance and collections. She has also increased the functionality of Communities Unlimited’s loan software. Jane monitors and reports on our current SBA profiles and assists in grant reporting and data management.
Phone:(479) 443-2700 ext. 114

Loan Officer
Michael Rivera
Michael Rivera is a Loan Officer with a 15-year background in banking and finance.
He has an Associates of Arts Degree in Business Management and Marketing from Athens Technical College.
Phone:(479) 443-2700 ext. 232

Small Business Lender
Chris Ranniger
Chris Ranniger is a Small Business Lender for CU.
He has a background in retail management and has experience handling inventory and annual sales. Chris has a B.B.A. in Finance from Stephen F. Austin State University, in Nacogdoches, Texas.
Chris works out of CU’s East Texas office.
Phone:(479) 443-2700 ext. 258

Economic Development Loan Officer
Chris Tillman
Chris Tillman joined Communities Unlimited in October 2021 as an Economic Development Loan Officer.
He has an Associate of Arts in Business Administration from Mississippi Gulf Coast Community College and a Bachelor of Science in Business Administration from the University of Southern Mississippi. Chris has several years of experience in the loan, financial, and lending business.
Phone:(479) 443-2700 ext. 112

Loan Assistant
Amber McClellan
Amber McClellan came to Communities Unlimited in July 2018 as a Receptionist and moved up to Program Assistant in April 2019. In 2020, Amber became the Executive Assistant to the CEO and assists with AHCC, Loan Closings and more.
Amber attended Northwest Arkansas Community College in Bentonville, Arkansas, and is a graduate of Farmington High School.
Phone:(479) 443-2700 ext. 135

Small Business Lender
Candence Brooks
