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At Access Plus Capital, our mission is to eliminate economic barriers to financial success through fair and equitable community investment. Through flexible loans, small business coaching, and hands-on support, we help entrepreneurs turn big ideas into lasting success.

Since 2008, we’ve deployed over $70 million to thousands of small businesses across the Central Valley—providing funding and guidance to entrepreneurs who may not qualify for traditional bank loans. As Central California’s leading Community Development Financial Institution (CDFI), we connect small business owners with the capital, knowledge, and networks they need to grow and sustain their businesses.

We envision a future where capital is no longer a barrier to success in Central California and where every entrepreneur has the opportunity to build, grow, and contribute to a thriving regional economy.

We are a certified Community Development Financial Institution (CDFI). That means we follow high standards to support small businesses and serve our community with care and responsibility.

Who We Serve

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. 

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.
Areas We Serve
Fresno
Kern
Inyo
Kings
Madera
Mariposa
Merced
Mono
Monterey
Placer
Sacramento
San Joaquin
Stanislaus
Tulare
Tuolumne

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

Success Stories

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.

Meet Our Funders & Partners

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

Meet Our Board

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

Meet Our Team

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

Access Plus Capital – Affordable Finance for Small Business and Non-Profits

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