Juntos: The Small Loan That Can Change the Direction of Your Business
- Jun 18
- 3 min read
What if the only thing standing between where you are today and where you want to be tomorrow was access to a few thousand dollars? For many aspiring entrepreneurs, trades professionals, and small business owners, the biggest barrier to growth isn't talent, ambition, or even demand for their services. It's the cost of taking the next step.
A certification course, a professional license, required clearances, new signage, essential software or equipment, marketing materials. These investments often represent the bridge between earning income and building a sustainable business. Too often, that bridge feels out of reach.
Enter, the Juntos Program.
Investing in Opportunity
Juntos provides eligible participants with access to a 0% interest microloan designed to help individuals launch, strengthen, or grow their careers and businesses. The program was developed to remove financial barriers that often prevent hardworking people from fully realizing the value of the education, training, and skills they have already worked so hard to obtain.
Unlike traditional financing, Juntos focuses on helping people move forward. Participants enrolled in approved workforce training, certification, or education programs can access affordable capital to support the next stage of their journey, whether that means entering a new profession, launching a business, or investing in tools that increase earning potential.
When people hear "business financing," they often think about large loans for equipment, buildings, or inventory. But some of the most transformative investments are much smaller.
We've seen aspiring aestheticians use Juntos funding to complete advanced lash certifications with award-winning instructors. We've worked with childcare providers who needed assistance covering licensing requirements and background clearances so they could continue serving families in their communities.
Others have used the program to improve storefront signage, create a more professional customer experience, or purchase software subscriptions that help them manage finances, track expenses, invoice clients, and better understand their business performance.
These aren't luxury purchases. They're business-building investments, and quite often, they're the exact investments that create the next level of growth.
The Cost of Waiting
Many entrepreneurs try to grow their businesses by waiting until they have enough cash saved. While that approach can be financially responsible, it can potentially delay opportunities that could increase revenue immediately.
A certification can unlock higher-paying services.
Professional software can save hours each week while improving financial management.
Licensing and compliance requirements can open the door to new customers.
Marketing upgrades can help attract clients who may never have found your business otherwise.
The question isn't always whether you can afford the investment. Sometimes the better question is whether you can afford to wait.
A Tool for Building Momentum
At Groundswell Capital, we often talk about access to capital as a tool—not an outcome.
The goal isn't simply to borrow money. The goal is to create opportunity.
Juntos was designed around that philosophy. The program offers 0% interest financing, no collateral requirements, and does not rely on credit scores as a deciding factor for approval.
Instead, it focuses on supporting participants who are actively investing in their own success through approved training and workforce development programs. Because when someone has already committed to learning a trade, gaining a certification, or building a business, the next step should not be blocked by a lack of access to affordable capital.
Small Investments. Big Impact.
Economic development doesn't always start with a major construction project or a large employer. Sometimes it starts with a childcare provider completing a required certification, a lash artist launching a business, or a contractor obtaining the credentials needed to serve more customers. Sometimes it even starts with an entrepreneur purchasing the software subscription that finally brings order to their finances and confidence to their decision-making.
These moments create stronger businesses, more resilient households, and a more vibrant local economy. That's the spirit behind Juntos. When people have access to the tools they need to succeed, they don't just build careers. They build futures.
Ready to explore whether Juntos can help you take your next step? Learn more about eligibility and approved partner programs through Groundswell Capital's Juntos Program.
About Groundswell Capital
Groundswell Capital is a mission-driven lending nonprofit dedicated to sustainable economic growth, focusing on clean energy, small business financing, and community development. By aligning financial returns with environmental and social responsibility, Groundswell Capital is helping to shape a resilient and equitable future for Arizona.
For media inquiries, contact:
Dre Thompson
President,
Groundswell Capital
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