MicroWorks by Kaléidoscope

Character-Based Loans up to $7,500 to Start a Small Business or Get Back to Work

If you have an idea or opportunity in the Greater Saint John area and need a small loan to get started, we can help. Our microfinance loans help to remove barriers and get you the tools, materials and training needed to make your mark on the world. We maintain a low prime+3% interest rate on all MicroWorks loans, and only charge an administration fee if you are approved, so it is FREE to apply.

"Kaléidoscope has enabled me to live the life I want to live. I don't think it gets any better than that."

- Sue St. Onge, MicroWorks Loan Recipient and Owner of Broadway Dog Grooming (click to hear her story)

What We Offer

Loans for Equipment
Loans for Training (with clear path to employment)
Loans for Startup Costs
Loans for Supplies & Materials
Support & Mentorship

Are You Eligible?

Are You 18 or Older?
Are You Unable to Get Loans Elsewhere?
Do You Live in Greater Saint John?
Do You Have 3 References?
Do You Have A Business or Employment Plan? (we can help with this)
If You Answered Yes to All Questions Above, You Are Eligible for MicroWorks!

We Can Work With

Poor Credit Scores
Past Bankruptcies
Low Incomes
No Collateral
No Credit History
No Prior Experience

Get Started TodaySubmit an Inquiry