Community organizations and lenders offer microloans to start-up and expanding very small businesses whose owners do not qualify for traditional bank financing. The loans, generally under $50,000, are used for either working capital or investment in fixed assets. CAMEO has 28 members who are microlenders. Business owners can search by location to find their nearest lender. Businesses must have 5 or fewer employees. Other criteria are up to the individual lenders. Many businesses that can't get bank loans can get a loan through a microlender.