At a glance
From its website, read 2 Nov 2026Albany Community Together, Inc. is a loan fund based in Albany, Georgia. Its website describes microloans and small-business loans. Stated loan amounts run from $500 to $250,000. Where it lends: South Georgia small businesses; specific counties not listed. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (229) 420-4600 source |
|---|---|
| information@albanycommunitytogether.com source | |
| Apply online | Page with the application link |
| Website | www.albanycommunitytogether.com |
| Office (official list) | 230 South Jackson Street Suite 333, Albany, GA 31701 |
What their website says about applying
Click here to begin the online loan application process. Please Note: A $125 non-refundable application fee will be charged.
sourcePersonal and business tax returns and bank statements
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | Our terms range from 3 months to 72 months, depending on the loan amount. | source |
| Microloans | Term: up to 3 yr | may have access for up to $10,000 repayable in 36 months. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
COLLATERAL – MAY BE SECURED OR UNSECURED DEPENDING ON THE RISK AND CREDIT WORTHINESS OF APPLICANT(S).
source - Business plan required
Submit completed business plan.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jan 2026 |
| RSSD ID | — (none listed) |
| Address | 230 South Jackson Street Suite 333, Albany, GA 31701 Directions (Google Maps) |
| Website | www.albanycommunitytogether.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The specific counties in the service area were not listed on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | up to $10,000 | Loans up to $10,000 based on accelerated steps: | source |
| Small-business loans | up to $50,000 | Loans up to $50,000. | source |
Loan sizes
Loan amounts ranges from $500 to $250,000.
sourceLoans up to $10,000 based on accelerated steps:
sourceLoans up to $50,000.
sourceLoans up to $20,000 (or no more than 20% of the contract).
source
Range used for the size filter: $500 to $250,000
Service area
South Georgia small businesses; specific counties not listed
ACT! is a nonprofit organization that provides loans to start and grow businesses in South Georgia.
source
Borrower focus
- Startups
Start-ups must provide a rational narrative to document projections made in business plan.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Click here to begin the online loan application process.
source
Pages read (7)
- https://www.albanycommunitytogether.com/
- https://www.albanycommunitytogether.com/micro-business-accelerated-loan-program
- https://www.albanycommunitytogether.com/working-flex-capital-program
- https://www.albanycommunitytogether.com/small-business-revolving-loan-fund
- https://www.albanycommunitytogether.com/ourloans
- https://www.albanycommunitytogether.com/working-capital-loan
- https://www.albanycommunitytogether.com/contractor-working-capital-loan
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What interest rate and fees should I expect on your microloans and small-business loans?
Their website does not state a rate for this. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.2 million in 10 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,110,000 |
| 2022 | CDFI Equitable Recovery Program | $898,331 |
| 2022 | CDFI Program, Financial Assistance | $667,900 |
| 2021 | CDFI Program, Financial Assistance | $476,530 |
| 2021 | CDFI Rapid Response Program | $664,000 |
| 2021 | Small Dollar Loan Program | $142,500 |
| 2020 | CDFI Program, Financial Assistance | $737,500 |
| 2019 | CDFI Program, Financial Assistance | $374,000 |
| 2018 | CDFI Program, Financial Assistance | $500,000 |
| 2017 | CDFI Program, Financial Assistance | $580,405 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $9.4M |
|---|---|
| Total liabilities | $1.4M |
| Net assets | $8.1M |
| Total revenue | $2M |
| Notes and loans receivable, net (Part X line 7) | $6.2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 58-2497789, filed as “ACT ALBANY COMMUNITY TOGETHER INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $7.9M | $6.5M | $1.2M | $3.3M |
| Dec 2022 (990) | $9.3M | $7.6M | $2.1M | $4.2M |
| Dec 2023 (990) | $9.4M | $8.1M | $2M | $6.2M |
Total assets grew 20% from Dec 2021 to Dec 2023; notes and loans receivable rose 88%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $9.4M | Larger than 38% of the 8 other certified loan funds and venture funds in Georgia with a matched Form 990 (median $19.8M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Georgia | 8 | larger than 38% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Albany and Georgia
- Access to Capital for Entrepreneurs, Inc.Loan fund · Cleveland, GACommercial real estate loans, Microloans, Small-business loansVerified
- Bank of CamillaBank or thrift · Camilla, GAAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- Catalyst Development CORPORATIONLoan fund · Savannah, GAMicroloansVerified
- Citizens Trust BankBank or thrift · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Columbus Housing Initiative, IncLoan fund · Columbus, GAHome mortgagesVerified
- Community Housing Capital, Inc.Loan fund · Decatur, GAAffordable housing development loansVerified
Work at Albany Community Together, Inc.? Link to this page
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