Loan amounts: $1000 - $25,000

Interest rate: Prime (4.95%) + 3%

Repayment: 4 weeks after event

Use: Anything event-related—venue deposits, rentals, printing, talent, you name it.

Trust-based: We don’t ask for collateral. We just want to work with people who finish what they start.

At The Culture Fund, we believe in making things happen — not making things harder.

Our loans carry Prime (4.97%) + 3%, one of the lowest you’ll find anywhere. It’s just enough to keep the fund sustainable and help more events come to life, without putting unnecessary pressure on you, the organizer.

No hidden fees. Interest per event loan. No compound interest — we use simple interest only. No fine print.
Just a little extra to keep the cycle moving — from one great idea to the next.

The Culture Fund operates as a revolving community loan pool, not a grant — which means when you repay your loan, it directly enables the next person to bring their idea to life. The 4-week timeline gives you enough space to settle up after your event while keeping the fund active and available for others. It’s about shared responsibility, quick turnaround, and making sure the support keeps flowing forward.

Life happens — we get it. If you're unable to repay on time, just reach out. We'll work with you privately to set up a flexible repayment plan that makes sense for your situation. The most important thing is that you communicate with us. We're here to support, not punish. Do you need more than 4 weeks to repay? Let us know and let’s figure it out together!

The Culture Fund is built on a trust loop — most first-time borrowers start with smaller loans. It helps us build a relationship and make sure the fund keeps flowing forward. Once you’ve successfully run an event and repaid your first loan, you’ll be eligible for more.

That said, if you have strong past experience or have managed similar projects, we’re open to exceptions. Just show us what you’ve done — we’re here to support potential, not just track records.

Visit the Apply page, fill out the form, and we’ll get back to you within a week.

For loans over $5,000 we ask for a personal guarantee. It’s not about mistrust—it’s simply how we make larger loans possible without asking for heavy collateral or long applications. By standing behind the loan personally, you help us keep the process fast and accessible for independent organizers like you.

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