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.
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.
Fresno EOC began serving refugees with micro-loans up to $15,000.
Fresno EOC introduced Individual Development (IDAs)
Fresno EOC created the Fresno Community Development Financial Institution (CDFI) to provide lending services to low and moderate-income communities.
In March, the Fresno CDFI was certified by the federal CDFI fund. In July, Fresno CDFI received its first CDFI award from the fund.
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.
Fresno CDFI became a SBA Community Advantage 7a Lender
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.
Opens North Valley office in Modesto in partnership with Opportunity Stanislaus
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

$36,213,606.45

$6,940,058.24

$250,000.00

$458,287.86

$2,029,691.00

$59,000.00

$5,720,204.65

$70,000.00


$30,000.00

$25,000.00

$944,683.79

$4,936,039.87

$5,054,047.52

$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.

Business Owners - Espe’s 2 Go
“We needed more funding in order to cover the full cost and that’s when we reached out to Access Plus Capital and we partnered with them for support. Access Plus Capital helped us fulfill this dream and secure the food trailer. “

Business Owner - Hidey Socks
“If you are an entrepreneur with an idea, don’t be afraid to take the plunge. There are people who believe in you and want to help you succeed. ”
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.
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.


Whether you’re seeking capital, small business education, or simply a partner in your entrepreneurial journey, Access Plus Capital is here for you.
Our Vision: Where capital is no longer a barrier to success in central California.
Equal Opportunity For All – Title VI of the Civil Rights Act: Prohibits discrimination based on race, color, and national origin in programs and activities receiving federal financial assistance, while Section 504 of the Rehabilitation Act prohibits discrimination based on disability in such programs.