At a glance
From its website, read 2 Nov 2026American Nonprofits, Inc. is a loan fund based in Santa Cruz, California. Stated loan amounts run up to $100,000. Where it lends: California-based nonprofits; Bay Area for the Bridge to Bridge Loan Fund. 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
| Apply online | Page with the application link |
|---|---|
| Website | www.americannonprofits.org |
| Office (official list) | 333 Front Street, Santa Cruz, CA 95060 |
What their website says about applying
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) | Rate stated, not as an APR: see their wording | 3%-6% interest rate | source |
| Loans (general) | Rate stated, not as an APR: see their wording | Loans will have a 6% fixed rate of interest. | source |
| Loans (general) | Term: see their wording | 12-month term | 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
Loan Funds are uncollateralized, so there is no need for collateral.
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) | 1 May 2023 |
| RSSD ID | — (none listed) |
| Address | 333 Front Street, Santa Cruz, CA 95060 Directions (Google Maps) |
| Website | www.americannonprofits.org |
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 6 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: medium. The Bridge to Bridge nonprofit bridge loan has no matching product key, and its stated maximum conflicts between $100,000 and $50,000 across pages. Terms change — confirm with the lender before applying.
No loan products could be confirmed on the pages we read. That does not mean the lender has none.
Loan sizes
Loans up to $100,000 USD
sourceThe Bridge to Bridge Loan Fund offers up to $50,000 for Bay Area nonprofits
source
Range used for the size filter: not stated to $100,000
Service area
California-based nonprofits; Bay Area for the Bridge to Bridge Loan Fund
American Nonprofits lends to California-based nonprofits which support under-served communities
source
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. COMPLETE LOAN APPLICATION
source
Pages read (6)
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 kinds of loans do you make, and which one fits what I need?
We could not confirm any loan product on the pages of their website we read. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- 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$250,000 in 2 awards from the U.S. Treasury's CDFI Fund, 2021–2022 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
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 | $965,522 |
|---|---|
| Total liabilities | $600,000 |
| Net assets | $365,522 |
| Total revenue | $2,674 |
| Program-related investments (Part X line 13) | $167,292 |
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 45-5349356, filed as “AMERICAN NONPROFITS 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 |
|---|---|---|---|
| Dec 2022 (990) | $1.3M | $449,801 | $255,180 |
| Dec 2023 (990) | $965,522 | $365,522 | $2,674 |
Total assets fell 28% from Dec 2022 to Dec 2023. 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 | $100,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 18% of these 184. |
| Total assets, latest IRS Form 990 | $965,522 | Larger than 6% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
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 18% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 6% |
“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 Santa Cruz and California
- Santa Cruz Community Credit UnionCredit union · Santa Cruz, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Small-dollar / emergency loans…Verified
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at American Nonprofits, Inc.? Link to this page
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