About this programme
True Access Capital (TAC) is a nonprofit Community Development Financial Institution (CDFI) founded in 1992 and based in Wilmington, Delaware. Its mission is to help entrepreneurs and small business owners in Delaware and southeastern Pennsylvania with training, education, and access to capital, and it also serves southern New Jersey.
TAC is built for borrowers who can't secure traditional bank financing. Since it started, it has distributed over $64 million in loans to more than 1,500 small businesses and community organizations.
TAC also runs a Women's Business Center offering business planning, financing, and mentorship for female entrepreneurs, alongside its lending programs.
How it works
TAC offers several loan products depending on what the money is for. Micro Loans go up to $50,000 for working capital, inventory, and equipment. Business Growth Loans run $50,000 to $800,000 for working capital, inventory, equipment, and leasehold or capital improvements. Commercial Real Estate Loans of $50,000 to $800,000 help business owners purchase commercial or mixed-use property. Community Facility Loans of $50,000 to $800,000 provide capital for existing nonprofits to purchase commercial or mixed-use real estate, and typically require at least 2 years in business.
Across all products, TAC's overall loan range runs from $10,000 to $800,000. TAC also mentions offering 504 Loans and participating in a New Markets Opportunities Program, though the site doesn't detail rates or terms for those.
If a borrower is unsure what documents they need, TAC offers to assist directly rather than requiring a fixed document checklist up front.
Who can apply
The business must be located in Delaware, southeastern Pennsylvania, or southern New Jersey.
TAC is designed for borrowers who are unable to secure traditional bank financing.
Community Facility Loans typically require the nonprofit applicant to have at least 2 years in business.
How to apply
- Click 'Start Loan Process' on the True Access Capital website, or call (302) 652-6774 or (800) 652-4779.
- Request counseling assistance if you're unsure which loan product fits or what documents you'll need; TAC will help.
Frequently asked
Is True Access Capital a bank?
No, it's a nonprofit Community Development Financial Institution (CDFI), built specifically for small businesses that can't get financing through a traditional bank.
What's the smallest and largest loan I can get?
Loans range from $10,000 up to $800,000 across their loan products, with the exact range depending on which product fits your need.
Do I need to already have my documents ready to apply?
No. If you're not sure what documents are needed, True Access Capital says it will assist you in figuring that out.
Does TAC serve businesses outside Delaware?
Yes, it also serves southeastern Pennsylvania and southern New Jersey, in addition to Delaware.
Is there support specifically for women-owned businesses?
Yes, TAC runs a Women's Business Center offering business planning, financing, and mentorship for female entrepreneurs.
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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.