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Certified CDFI

AmPac Tri-State CDC Inc.

Loan fundOfficial list only

Loan fund in Ontario, California, on the CDFI Fund's list of certified CDFIs (as of 21 Oct 2026).

Type
Loan fund
Based in
Ontario, CA
Certified
10 Jul 2025

Official record

CDFI Fund list, 21 Oct 2026
Institution typeLoan fund
Native CDFINo
Date certified (as listed)10 Jul 2025
RSSD ID— (none listed)
Address3110-B Inland Empire Blvd., Ontario, CA 91764 Directions (Google Maps)
Websitewww.AmPac.com

Loans and eligibility

Not yet verified

This lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.AmPac.com or contact the lender directly.

Questions to ask when you contact them

We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.

  1. What kinds of loans do you make, and which one fits what I need?
    We have no loan details from their website.
  2. Do you lend where I live, or where my business is?
  3. What are the smallest and the largest loans you make?
  4. What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
  5. What documents will you need from me, and how long does a decision usually take?

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

$5.2 million in 4 awards from the U.S. Treasury's CDFI Fund, 2018–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).

Round yearProgramAmount
2022CDFI Equitable Recovery Program$3,123,337
2021CDFI Rapid Response Program$1,600,000
2020CDFI Program, Financial Assistance$375,000
2018CDFI Program, Financial Assistance$141,000

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$17.9M
Total liabilities$11.8M
Net assets$6.1M
Total revenue$6M
Notes and loans receivable, net (Part X line 7)$7.6M

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 75-3192344, filed as “AMPAC TRI-STATE CDC 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 endingTotal assetsNet assetsRevenueNotes and loans receivable
Dec 2021 (990)$22.5M$7.6M$9.7M$12.4M
Dec 2022 (990)$17.1M$7.6M$4.9M$8.3M
Dec 2023 (990)$17.9M$6.1M$6M$7.6M

Total assets fell 20% from Dec 2021 to Dec 2023; notes and loans receivable fell 38%. 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
MeasureThis lenderCompared with
Median SBA 7(a) loan it approved, FY2020–FY2026$150,000 (247 loans)All 7(a) lenders in California: $270,000. Larger than the median loan of 42% of the 97 other certified CDFIs with 10 or more 7(a) loans.
Variable-rate 7(a) loans: rate over prime at approval, FY2024–26median 4.88 pts, half between 3.5 pts and 6.5 pts (218 loans; 51% at the SBA maximum)All lenders in California: median 2.75 pts, 14% at the maximum (17,889 loans).
SBA approvals, FY2023–24 → FY2025–26160 → 317Rank among the 21 certified CDFIs in California with SBA approvals in either period: 1 → 1.
Total assets, latest IRS Form 990$17.9MLarger than 45% 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
MeasurePeer group (this lender left out)PeersWhere this lender sits
Median SBA 7(a) loancertified CDFIs with 10+ 7(a) loans, nationwide97larger than 42%
Rate over primeall variable-rate 7(a) loans in California, FY2024–2617,889median 4.88 pts vs 2.75 pts
SBA approvals then vs nowcertified CDFIs in California with SBA approvals FY2023–202620rank 1 → 1 of 21
Form 990 total assetscertified loan and venture funds with a Form 990, in California47larger than 45%

“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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).

SBA loans approved

SBA data as of 30 Sep 2026

The SBA's public loan data lists 666 SBA-backed approvals for AmPac Tri-State CDC Inc. in fiscal years 2020–2026 (October 2019 to September 2026):

  • 247 7(a) loans as the lender: $42.4M in total (gross amount approved), median $150,000
  • 419 504 loans as the Certified Development Company (CDC): $501.9M in total (CDC (SBA-backed) portion approved), median $767,000

By fiscal year: FY2020 53 · FY2021 73 · FY2022 63 · FY2023 80 · FY2024 80 · FY2025 167 · FY2026 150.

What actually happened

  • Size of its 7(a) loans: half were between $50,000 and $265,450, median $150,000 (247 loans)
  • Size of its 504 loans (the CDC's SBA-backed portion): half were between $443,000 and $1.4M, median $767,000 (419 loans)
  • Term of its 7(a) loans: median 120 months (10 years) (247 loans)
  • Term of its 504 loans (the CDC's SBA-backed portion): median 300 months (25 years) (419 loans)
  • Interest rate at approval on its 7(a) loans in FY2025–26: median 12.75%, half between 11.00% and 13.50% (191 loans; SBA's initial rate, before any change on a variable loan)
  • Fixed or variable: 1% of its 7(a) loans had a fixed rate (247 loans)
  • Young businesses: 27% of its 7(a) loans went to a startup or a business two years old or less (247 loans with an answer)

Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.

By program

  • 504 loans (as the Certified Development Company) (419, 63%)
  • 7(a) standard (223, 33%)
  • 7(a) Community Advantage (24, 4%)

Borrower industries

NAICS sector, 3 or more loans.

  • Health care and social assistance (85)
  • Professional, scientific, and technical services (77)
  • Other services (except public administration) (72)
  • Accommodation and food services (72)
  • Construction (71)

Where borrowers are

County of the borrower's ZIP code, 3 or more loans.

How this lender was matched in the SBA files: SBA CDC ID 0447142: same name, state and city (SBA lists “AMPAC Tri-State CDC, Inc.”); SBA lender ID 0447142: same name, state and city (SBA lists “AMPAC Tri-State CDC, Inc.”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. AmPac Tri-State CDC Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

Other certified CDFIs in Ontario and California

All 97 CDFIs in California

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Source: CDFI Atlas, cdfiatlas.com/lenders/ampac-tri-state-cdc-inc/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).