Community Micro Lending makes loans to people who have a good idea and the ability to carry it out, but don’t qualify for credit at a bank. We work with people to develop a business plan and budget. When the application is ready, staff sends it to our loan committee. The applicant makes a pitch to the committee and it’s usually an inspiring hour of Q and A. The loan committee deliberates and if it approves the loan, sets the length of loan and risk rating.