At a glance
From its website, read 3 Nov 2026Appalachian Community Capital Corporation is a loan fund based in Christiansburg, Virginia. Where it lends: Underserved places in Appalachia and similar energy communities nationally.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (540) 251-4244 source |
|---|---|
| Website | appalachiancommunitycapitalcdfi.org |
| Office (official list) | 110 Peppers Ferry Road, NW, Christiansburg, VA 24073 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 26 Jan 2016 |
| RSSD ID | — (none listed) |
| Address | 110 Peppers Ferry Road, NW, Christiansburg, VA 24073 Directions (Google Maps) |
| Website | appalachiancommunitycapitalcdfi.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 3 Nov 2026Read from 12 pages of the lender's website on 3 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: low. The pages say ACC is not a direct lender and raises capital for member CDFIs, so no loan products offered to borrowers were found. 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
No amounts stated on the pages we read.
Service area
Underserved places in Appalachia and similar energy communities nationally
is focused on attracting new sources of capital for small businesses, including minority and women-owned business owners, in underserved places in Appalachia and similar energy communities nationally.
source
Borrower focus
- Minority / BIPOC
is focused on attracting new sources of capital for small businesses, including minority and women-owned business owners, in underserved places in Appalachia and similar energy communities nationally.
source - Women
is focused on attracting new sources of capital for small businesses, including minority and women-owned business owners, in underserved places in Appalachia and similar energy communities nationally.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (12)
- https://appalachiancommunitycapitalcdfi.org/
- https://appalachiancommunitycapitalcdfi.org/2025/05/01/sercap-small-business-loan-product-uses-creative-financing-to-serve-start-up-clients/
- https://appalachiancommunitycapitalcdfi.org/2021/06/29/impact-and-implementation-report-appalachian-community-capital-business-assistance-response-program/
- https://appalachiancommunitycapitalcdfi.org/2024/12/16/goldman-sachs-invests-in-appalachian-community-capital-and-regional-small-businesses/
- https://appalachiancommunitycapitalcdfi.org/2022/01/14/appalachian-community-capital-selected-for-first-round-of-virginia-small-business-resiliency-fund-grants/
- https://appalachiancommunitycapitalcdfi.org/2022/04/20/appalachian-community-capital-receives-3m-investment-from-truist-bank-to-support-small-business-lending-in-appalachia/
- https://appalachiancommunitycapitalcdfi.org/2023/11/20/bank-of-america-veteran-loan-fund-and-acc-and-its-members-provide-support-for-veteran-led-small-businesses-in-appalachia/
- https://appalachiancommunitycapitalcdfi.org/2023/03/02/appalachian-community-capital-receives-510000-award-from-treasurys-cdfi-fund-to-support-small-business-lending-across-appalachia/
- https://appalachiancommunitycapitalcdfi.org/2024/10/30/appalachian-community-capital-launches-western-north-carolina-small-business-initiative-with-lead-grant-from-dogwood-health-trust/
- https://appalachiancommunitycapitalcdfi.org/2022/01/03/appalachian-community-capital-welcomes-four-new-members-foodshed-capital-total-action-for-progress-business-seed-capital-neighborhood-community-development-fund-and-park-community-credit/
- https://appalachiancommunitycapitalcdfi.org/2023/02/13/acc-hires-chief-lending-and-investment-officer/
- https://appalachiancommunitycapitalcdfi.org/cdfi-innovations-how-cdfis-are-fueling-small-business-growth/
Questions to ask when you contact them
Based on what their website said when we read it on 3 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?
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 7 awards from the U.S. Treasury's CDFI Fund, 2016–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $627,096 |
| 2022 | CDFI Program, Financial Assistance | $510,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $424,000 |
| 2018 | CDFI Program, Financial Assistance | $550,000 |
| 2016 | CDFI Program, Financial Assistance | $500,000 |
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 | $29.1M |
|---|---|
| Total liabilities | $24.2M |
| Net assets | $5M |
| Total revenue | $4.3M |
| Notes and loans receivable, net (Part X line 7) | $25M |
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 46-2815132, filed as “APPALACHIAN COMMUNITY CAPITAL CORPORATION”), 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) | $27.5M | $4.7M | $2.2M | $16M |
| Dec 2022 (990) | $28.9M | $4.8M | $2.1M | $20.5M |
| Dec 2023 (990) | $29.1M | $5M | $4.3M | $25M |
Total assets grew 6% from Dec 2021 to Dec 2023; notes and loans receivable rose 57%. 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 |
|---|---|---|
| Total assets, latest IRS Form 990 | $29.1M | Larger than 77% of the 13 other certified loan funds and venture funds in Virginia with a matched Form 990 (median $9.9M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Virginia | 13 | larger than 77% |
“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 Christiansburg and Virginia
- Bridging Virginia IncLoan fund · Richmond, VASmall-business loansVerified
- Business Seed Capital, Inc.Loan fund · Roanoke, VASmall-dollar / emergency loansVerified
- Capital Impact PartnersLoan fund · Arlington, VACommercial real estate loans, Nonprofit / community facility loansVerified
- Community Investment CollaborativeLoan fund · Charlottesville, VAMicroloans, Small-business loansVerified
- Democracy FCUCredit union · Alexandria, VAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loansVerified
- ECDC Enterprise Development GroupLoan fund · Arlington, VAAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…Verified
Work at Appalachian Community Capital Corporation? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.