Access Plus Capital

$5,000–$500,000 depending on loan type; repaid over terms set at closing.

Rolling applications—apply anytime.

AMOUNT

$5,000–$500,000 depending on loan type; repaid over terms set at closing.

AMOUNT

$5,000–$500,000 depending on loan type; repaid over terms set at closing.

DEADLINE

Rolling applications—apply anytime.

DEADLINE

Rolling applications—apply anytime.

FUNDING TYPE

CDFI, Loan

CAN YOU GET THIS?

You qualify if you own a small business in Central California, have been operating at least one year, and have a basic level of creditworthiness—perfect credit is not required.

Startups are also eligible through a dedicated loan product covering up to 75% of startup costs. You need a clear plan for how you'll use the funds.

YOUR REAL ODDS

This is a CDFI lender designed to serve underbanked founders, so approval standards are more flexible than a traditional bank.

No specific approval rate data is published, but their stated mission is to remove capital barriers for Central California entrepreneurs regardless of background or credit history.

WHAT IT TAKES

Choose the right loan type (Nanoloan, Microloan, Startup, Enterprise, Green Futures, or Contract Financing) — 30 minutes
Use the loan calculator to estimate payments and confirm fit — 15 minutes
Submit application online — 1-2 hours
Work with their team through review and approval — Days to weeks

WORTH KNOWING

Access Plus Capital offers business coaching and support alongside loans—worth engaging with their team early, as they explicitly help founders who are first-time owners or have no business history.

Apply on the funder’s site →

Community 1st Credit Union

Varies; loan terms depend on business type and credit profile.

Iowa-based small businesses and startups can apply for business loans through this CDFI credit union on a rolling basis.

Afena Federal Credit Union

Varies; personal and business loans from $200 up to undisclosed amounts depending on product.

Small businesses and startups in Indiana can access loans through this CDFI credit union, with no stated identity restrictions.

The Bridgeway Federal Credit Union

Varies; specific loan amounts not published.

Small businesses and startups in Alabama can apply for loans on a rolling basis through this CDFI credit union.

This is 1 of 1,600+ open opportunities.

$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.

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