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Southern Reparations Loan Fund is a network of loan funds that lend to democratically-governed enterprises that meet the needs and elevate the quality of life of African American, immigrant, and poor white communities in the US South. SRLF network members focus their lending to start-ups and expansions of democratically-governed enterprises that meet the needs and elevate the quality of life of African Americans, immigrants, poor whites, and others who have been systematically damaged by exploitation and oppression. Our aim is to nurture the development of businesses that maximize community benefit, rather than the narrow concept of maximizing profit. The SRLF network began life in 2015 as a single, centralized loan fund. The goal of SRLF is to serve the entire South – a region of almost a million square miles. Since SRLF came into existence, we’ve re-learned a key lesson about effective lending – it has to be rooted in place at a level of “local-ness” that we can’t achieve across a 14-state region through a centralized model. Being local allows for the kind of contextual understanding, relationship-building and close-at hand technical assistance that new and growing enterprises need. website: https://southernreparations.org/ facebook: @SouthernReparations

Loans

Phat Daddy's On Da Tracks

Emergency Cashflow Loan

A short-term cashlow loan to help Phat Daddy's reopen after a tax-related setback

Charleston, United States
April 9, 2026
US $15,000.00

Pagoda Cafe

Working Capital Loan for Cash Flow Regulation

Working capital loan to address cash flow thru 2024

New Orleans, United States
October 5, 2023
US $60,000.00

Phat Daddy's On Da Tracks

ERP Grant: Working Capital to Implement Business Rescue & Achieve Break Even

Working capital to assist the cooperative recover from the COVID-19 pandemic

Charleston, United States
July 26, 2023
US $25,000.00

Mo Betta BBQ Cooperative

Mo Betta BBQ Cooperative - Jan 13, 2023

Mo Betta BBQ is a family owned LLC operating in Winfield WV (20 miles west of Charleston) interested in converting to the cooperative business model while opening an additional location.

Winfield, United States
January 13, 2023
US $67,100.00

Phat Daddy's On Da Tracks

Allocation of Contingent Funds Towards Marketing

The purpose of this credit memo is to secure $13,600 in financing for marketing, base building, and customer retention activities and materials, which falls under Goal 3 on our initial marketing plan and goals.

Charleston, United States
November 10, 2022
US $13,600.00
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