Many people in developing countries want to operate a small business and provide for themselves, but they lack start-up capital. The microloan program uses funding from donors and issues small loans to help these individuals start or expand small businesses.

The central feature of the Microloan program is teaching. Potential loan candidates receive financial and Bible-based teaching prior to getting a loan and continue receiving teaching throughout the term of the loan. Individuals within a loan group are mutually accountable to each other and are responsible to ensure all loans are repaid.