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At Access Plus Capital, we believe economic opportunity should be within reach for all entrepreneurs. Through flexible loans, small business coaching, and hands-on support, we help turn big ideas into lasting success.

Since 2008, we’ve deployed over $63 million to thousands of small businesses in the Central Valley—providing funding and guidance to those who couldn’t qualify for traditional bank loans. As Central California’s leading Community Development Financial Institution (CDFI), we connect entrepreneurs with the capital and resources they need to thrive.

At Access Plus Capital, we believe economic opportunity should be within reach for all entrepreneurs. Through flexible loans, small business coaching, and hands-on support, we help turn big ideas into lasting success.

Since 2008, we’ve deployed over $63 million to thousands of small businesses in the Central Valley—providing funding and guidance to those who couldn’t qualify for traditional bank loans.

Years of
experience
0 +
Total Funding
$ 0 M+
Funded to
Entrepreneurs of Color
and Women
0 %
Success Stories
0 K+
Hours of Small
Business Coaching
0 K+

Our clients are startups, growing businesses, and established enterprises across industries like food service, retail, healthcare, agriculture, and many more. Whether you’re a first-time entrepreneur or a seasoned business owner, we’re here to help you secure capital and build a strong foundation for the future. 

Who We
Serve

Core Values

EARNS TRUST THROUGH ACTIONS.

  • We demonstrate trustworthiness as employees through: Clarity in communication, transparency with the clients, advocate for the clients, acting with consistency, adhering to standards of services for all clients.
  • We demonstrate trustworthiness as an organization by being transparent about our goals and how we meet or don’t meet them.
  • We demonstrate trustworthiness in the community by making commitments and honoring them.

CONFRONTS RACISM AND CORRECTS INEQUITIES IN FINANCIAL SYSTEMS

  • We demonstrate anti-racism as employees by creating safe spaces for one another to challenge our assumptions and others assumptions.
  • We demonstrate anti-racism as an organization by directing resources to create equitable access to our services.
  • We demonstrate anti-racism in the community by prioritizing areas and populations that have been historically and intentionally disinvested from.

RECOGNIZES UNTAPPED POTENTIAL WHERE OTHERS SEE RISK

  • We demonstrate opportunity as employees by taking risks and learning from failures.
  • We demonstrate opportunity as an organization by evaluating our risk appetite.
  • We demonstrate opportunity in the community by partnering with people who others overlook.

UNDERSTANDS AND CONSIDERS THE NEEDS OF THE CLIENT FIRST

  • We demonstrate “every dream is different” as employees by training our employees to value and listen to the clients (ie. Trauma informed approaches, DEI, and IDI)
  • We demonstrate “every dream is different” as an organization by investing in every business believing it will be a success.
  • We demonstrate “every dream is different” in the community by sharing successes and uplifting the stories of the community.

WORK TOGETHER

  • We demonstrate “it takes a village” as employees by recognizing each person’s value, building positive & genuine relationships, and actively participating to see others succeed.
  • We demonstrate “it takes a village” as an organization by forming long term cooperative relationships—creating and maximizing environments to tackle systemic inequity in the financial system.
  • We demonstrate “it takes a village” in the community by acknowledging that we cannot do this without the community.

Our History

1994
1993

Fresno EOC began serving refugees with micro-loans up to $15,000.

2005
1999

Fresno EOC introduced Individual Development (IDAs)

2008
2008

Fresno EOC created the Fresno Community Development Financial Institution (CDFI) to provide lending services to low and moderate-income communities.

2009
2009

In March, the Fresno CDFI was certified by the federal CDFI fund. In July, Fresno CDFI received its first CDFI award from the fund.

2010
2010

Fresno CDFI joined the State of California CalCAP program. This program provides matching funds into a loan loss reserve which enables us to assist more entrepreneurs who want to start businesses.

Fresno CDFI lent over $720,000 in American Recovery and Reinvestment Act (ARRA) funds across 19 loans, resulting in the creation and retention of 317 jobs.

Fresno CDFI became a Small Business Administration (SBA) intermediary microlender.

2012
2012

Fresno CDFI became a SBA Community Advantage 7a Lender

2017
2017

Fresno CDFI rebranded as Access Plus Capital

Access Plus Capital becomes a Preferred Lender by the U.S. Small Business
Administration

Access Plus Capital opens its South Valley Office in Bakersfield in partnership
with Self Help Federal Credit Union.

2018
2018

Opens North Valley office in Modesto in partnership with Opportunity Stanislaus

2023
2019 - 2023

2021: Launch of innovative nano loan product

2023: APC transitions from Fresno EOC to become an independent mission-
based lender

2023: APC Purchases the Historic Physiciants Building

Areas We Serve

Fresno

$36,213,606.45

Kern

$6,940,058.24

Inyo

$250,000.00

Kings

$458,287.86

Madera

$2,029,691.00

Mariposa

$59,000.00

Merced

$5,720,204.65

Mono

$70,000.00

Monterey

Placer

$30,000.00

Sacramento

$25,000.00

San Joaquin

$944,683.79

Stanislaus

$4,936,039.87

Tulare

$5,054,047.52

Tuolumne

$613,730.58

Our Mission: To eliminate economic barriers to financial
success through fair and equitable community investment.

Our Vision: Where capital is no longer a barrier to success in central California.

We don’t just fund businesses- we fuel economic growth in historically underserved communities. Take a
look at our latest

Our clients are at the heart of everything we do. Their resilience, innovation, and commitment to growth drive our mission forward. Explore the journeys of entrepreneurs who have turned their dreams into reality with Access Plus Capital.

Donate to Empower Local Entrepreneurs – Your donation helps small business owners in underserved Central California communities access funding, education, and the tools they need to succeed.

See the organizations we work with to bring funding, resources, and opportunities to our community.

Meet the leaders guiding our mission to serve small businesses across the Central Valley.

Get to know the people who are here to support your small business every step of the way.

Join our team to make a meaningful impact by supporting small businesses with funding, guidance, and opportunity. Be part of a passionate group driving economic growth and community success.

2025 Valley Small Business Development Center - Partner of the year

2023 – 2024 SBA Fresno Microlender of the Year

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Whether you’re seeking capital, small business education, or simply a partner in your entrepreneurial journey, Access Plus Capital is here for you. 

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