Small Business & Microloans

From $5,000 to $300,000, whether you are looking to expand your current business or starting a new one, Access Plus Capital has a wide range of loans that can get you where you want to go.

Take a look at our options below and find the right one for you. Then you can submit an inquiry and a loan officer will contact you to help complete the application process.

Managing your business has never been easier!


up to
  • For energy efficiency retrofits (currently only serving Fresno County)
  • 0%, $0 fee loans made possible through partnership with Fresno County EDC & PG&E
  • Loan payments are less than money saved!

Micro-enterprise Loan

up to
  • For entrepreneurs and existing businesses that need a ‘bridge’ to mainstream credit.
  • Financing: working capital, business equipment, receivables, business debt refinance, and tenant improvements.
  • More Information on SBA Microloan Product

Enterprise Loan

up to
  • For strengthening or expansion of existing businesses.
  • Financing: working capital, business equipment, tenant improvements, commercial real estate (including gap financing), business debt refinance.
Eligibility Requirements


Yes, it’s a mandatory thing.


Under-collateralized loans will require an SBA Community Advantage loan guarantee or enrollment in the California Capital Access Program.


Only if under 3 years in existence. Business plan referrals and assistance are available.
This institution is an equal opportunity provider and employer.
To Get Started
Ready To Apply?