Access Plus Capital
Flexible loans and free coaching for businesses that are building something — and building credit along the way.
Access Plus Capital is a nonprofit CDFI lender with an office right here in Modesto, and a mission to open doors for entrepreneurs who have been overlooked by traditional financing. With six loan products ranging from $5,000 nanoloans to $500,000 enterprise loans — plus free one-on-one business coaching included with every loan — they meet business owners wherever they are in their journey. Perfect credit is not required, and more than 70% of their lending has gone to entrepreneurs of color and women. If you’ve been told no by a bank, Access Plus Capital is built for exactly that moment.
Main Office: 2607 Fresno Street, Fresno, CA 93721
| Access Plus Capital · CDFI · Nonprofit · DBA of Fresno CDFI · Est. 2008 · 1935 G Street, Modesto | ||
| A mission-driven CDFI with $70M+ deployed across the Central Valley since 2008. Strongest option for startups, entrepreneurs of color, and businesses needing both capital and coaching. Six loan products from $5K to $500K. | ||
| Product | Amount / Range | Best For |
|---|---|---|
| Nanoloan | $5,000 – $20,000 | Short-term needs: inventory, small investments |
| Microloan | Up to $50,000 | Working capital, equipment, debt refinance, tenant improvements |
| Startup Loan | Up to 75% of startup cost | New businesses: equipment, inventory, marketing, payroll |
| Green Futures Loan | $5,000 – $500,000 | Renewable energy, energy-efficient equipment, sustainability initiatives |
| Enterprise Loan | $50,000 – $500,000 | Equipment, facility expansion, working capital, scaling operations |
| Contract Financing Loan | Up to $50,000 | Fulfilling contracts: payroll, materials, operations |
| Small Business Coaching | Included with lending | One-on-one coaching, financial literacy workshops, free events |
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| Source: accesspluscapital.com · accesspluscapital.com/loans | ||