Our Mission

Access Plus Capital is a mission-driven small business loan fund. Our mission is to grow businesses and jobs in underserved communities. Since our inception in 2009 we have helped hundreds of entrepreneurs realize their dreams.

Start-up, strengthen or expand. No matter what your business goals are, Access Plus Capital is here to help you reach them!

Meet The Team

Serving Central California

Since 2008, we’ve helped business owners throughout Central California achieve their dreams. Whether you’re starting a business in Fresno County, expanding in Inyo County, or franchising throughout the Central Valley, we can provide the funding and business expertise that you need.

Our Goals

Our goal here at Access Plus Capital is for you and your business to succeed. We know that starting a business or growing an existing one is a risky step, but we strongly believe that taking that step is an essential part of any business’s life cycle. Here at Access Plus Capital, we help assist with the biggest part – funding. Getting a loan for your business has never been easier! But don’t take our word for it — listen to the stories of some of the business owners we’ve helped.

See Our Impact

Career Opportunities

We’re always looking for new hires! Turn in your resume to one of our three branches to grow with Access Plus Capital!

Positions we are currently looking for:

Technical Assistance Specialist (Fresno)
Business Development Manager (Modesto)

Apply Now

Access Plus Capital is a subsidiary of Fresno Economic Opportunities Commission (Fresno EOC). To find Access Plus Capital career opportunities, go to the above link and under the ‘Select Division’ drop down check Community Development Financial Institution for our openings.

Our History

Over the past years, Access Plus Capital has acquired funds from a variety of sources and has used these funds to empower local residents and business people.

1993
1999
2008
2009
2010
2012
2017
2018

1993

  • Fresno EOC began serving refugees with micro-loans up to $15,000.
  • With the establishment of the Refugee Microenterprise Program, Fresno EOC assisted clients with business plan development, marketing, and other business technical assistance.
  • Since its inception, the program has closed 300+ loans, averaging $8,800 each.

1999

  • Fresno EOC introduced Individual Development Accounts (IDAs), which are specialized savings accounts.  Contributions by low-income participants are matched 2:1 using both public and private funds.

2008

  • Fresno EOC created Fresno Community Development Financial Institution (CDFI) for providing lending services to low and moderate income communities. Refugee Microenterprise Program and staff were merged into Fresno CDFI.
  • The portfolio of the CDFI became more diversified, including larger loans (up to $250,000), equipment, working capital, and trade receivables.

2009

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

2010

  • Fresno CDFI joined the State of California CalCAP program.  This program provides matching funds into a loan loss reserve which will enable 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/retention of 317 jobs.  A Revolving ARRA Job-Creation Fund continues to assist businesses who are expanding their employment.
  • Fresno CDFI became a Small Business Administration (SBA) intermediary microlender with a $271,300 infusion from the SBA.  These funds enable Fresno CDFI to meet the need of small businesses throughout the Central Valley.  The funds are specifically for businesses looking for a loan of $50,000 or less.
  • Fresno CDFI started a rural microenterprise fund with $605,000 in loan and grant funds from the USDA.  These funds enable us to extend our services to businesses located in rural communities with populations less than 50,000.

2012

  • Fresno CDFI became a SBA Community Advantage 7a Lender

2017

  • Fresno CDFI rebranded as Access Plus Capital

August

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

December

  • Opens South Valley Office in Bakersfield in partnership with Self Help Federal Credit Union

2018

August

  • Opens North Valley office in Modesto in partnership with Opportunity Stanislaus

In The News