About this programme
Access Plus Capital is a community development financial institution (CDFI) lending to small businesses across California's Central Valley, with offices in Fresno, Bakersfield, Modesto and Sacramento. It says its mission is a region "where capital is no longer a barrier to success in central California."
The lender focuses on entrepreneurs who often get turned down by traditional banks, including entrepreneurs of color, women and other underserved business owners, as well as non-profits. Alongside loans, it runs small business coaching, financial literacy training and workshops.
How it works
Access Plus Capital offers several distinct loan products rather than a single fund: Nanoloans ($5,000 to $20,000) for short-term needs like inventory and small investments; Microloans (up to $50,000) for working capital, equipment, debt refinancing or tenant improvements; Startup Loans (up to 75% of startup cost) for equipment, inventory, marketing and payroll at a new business; Green Futures Loans ($5,000 to $500,000) for renewable energy, energy-efficient equipment and sustainability projects; Enterprise Loans ($50,000 to $500,000) for equipment, facility expansion, working capital and scaling; and Contract Financing Loans (up to $50,000) to cover payroll and materials while fulfilling a contract.
The site does not publish specific interest rates or repayment terms for any product; a loan calculator is available on the site for payment estimates, and specific terms come from the lender directly.
Who can apply
The business must be owned and operated in Central California.
The business generally needs at least one year of operating history, though the Startup Loans product is aimed specifically at new businesses.
Applicants need a demonstrated plan for how the loan funds will be used and basic creditworthiness; the lender states perfect credit is not required.
How to apply
- Use the "Inquire Now" or "Apply Now" option on the Access Plus Capital website to start the process.
- Contact the office nearest you (Fresno, Bakersfield, Modesto or Sacramento) to discuss which loan product fits your business.
Frequently asked
What loan amounts does Access Plus Capital offer?
It depends on the product: Nanoloans run $5,000 to $20,000, Microloans go up to $50,000, and Enterprise or Green Futures Loans can go up to $500,000.
Do I need perfect credit to qualify?
No. The lender says basic creditworthiness is required but perfect credit is not.
Can a brand-new business apply?
Yes, through the Startup Loans product, which can finance up to 75% of startup cost for equipment, inventory, marketing and payroll.
Where does Access Plus Capital lend?
Central California, with offices in Fresno, Bakersfield, Modesto and Sacramento, plus rural communities in the region.
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Reviewed 2026-09-25. Programmes change, so check eligibility, amounts and deadlines on the official page before you apply. CapEasy is a private firm and is not part of any government body.