Access Plus Capital has been growing businesses and sustaining jobs in Central California since 2009. No matter what your business goals are, we will help you reach them!


  • Loan preparation assistance
  • Capital workshops and ongoing classes
  • Business coaching for startups and existing businesses
  • Information and referral to other agencies and lending institutions

Small Business Loans

We provide loans for:

  • Gap and bridge financing
  • Machinery and equipment
  • Business acquisitions
  • Commercial real estate
  • Letters of credit
  • Working capital
  • Tenant improvements
  • Franchises
  • Startup loans
  • Business debt refinancing


We target businesses in fourteen counties. Requirements include:

  • Credit check
  • 1:1 collateral (unless you qualify for credit enhancement or SBA guarantee)
  • Completed business plan (for start-ups)

Loan Products

  • Startup loans – Up to 75% of startup costs for new businesses
  • Microloans – Up to $50,000 for existing businesses
  • Enterprise loans – Up to $1MM for existing businesses

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