At a glance
From its website, read 2 Nov 2026BORDERPLEX COMMUNITY CAPITAL, INC is a loan fund based in El Paso, Texas. Its website describes commercial real estate loans, equipment loans, microloans and 1 other loan type. Stated loan amounts run from $10,000 to $500,000. Where it lends: El Paso, Hudspeth, Culberson, Jeff Davis, Presidio and Brewster counties in TX; Dona Ana County in NM. The business loan rate it states is 2%. 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.borderplexcapital.org |
| Office (official list) | 333 N OREGON 2ND FLOOR, El Paso, TX 79901 |
What their website says about applying
To begin the application process, please submit the form below. Qualified candidates will be invited to complete the formal application process.
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 |
|---|---|---|---|
| Small-business loans | Rate: 2% | For loans up to $50,000 for small businesses operating inside the boundaries of the City of El Paso and/or Town of Anthony,Texas, we offer a special rate of 2%. | source |
| Loans (general) | Term: see their wording | Terms up to 60 months for secured loans and up to 120 months for owner-occupied real estate, with monthly principal and interest payments. | source |
| Loans (general) | Term: see their wording | Terms up to 60 months for secured loans and up to 120 months for owner-occupied real estate, with monthly principal and interest payments. | 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.
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 | 333 N OREGON 2ND FLOOR, El Paso, TX 79901 Directions (Google Maps) |
| Website | www.borderplexcapital.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: high. Business coaching and past grant administration were not counted as loan products. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | up to $500,000 | equipment finance and owner-occupied real estate up to $500,000 | source |
| Equipment loans | up to $500,000 | equipment finance and owner-occupied real estate up to $500,000 | source |
| Microloans | $10,000 – $50,000 | Borderplex Community Capital offers micro-loans from $10,000 to $50,000 | source |
| Small-business loans | up to $250,000 | secured nonprofits and small business loans up to $250,000 | source |
Loan sizes
Borderplex Community Capital offers micro-loans from $10,000 to $50,000
sourcesecured nonprofits and small business loans up to $250,000
sourceequipment finance and owner-occupied real estate up to $500,000
sourceFor loans up to $50,000 for small businesses operating inside the boundaries of the City of El Paso and/or Town of Anthony,Texas, we offer a special rate of 2%.
source
Range used for the size filter: $10,000 to $500,000
Service area
El Paso, Hudspeth, Culberson, Jeff Davis, Presidio and Brewster counties in TX; Dona Ana County in NM
supports economic development in the counties of El Paso, Hudspeth, Culberson, Jeff Davis, Presidio, Brewster - Texas, and Dona Ana County - New Mexico, by providing loans
source
Counties this matches: Doña Ana County, NM, Brewster County, TX, Culberson County, TX, El Paso County, TX, Hudspeth County, TX, Jeff Davis County, TX, Presidio County, TX
Borrower focus
- Low- and moderate-income / underserved
Borderplex Community Capital is committed to supporting small businesses operating in low-income neighborhoods.
source - Nonprofits
low-interest loans are ideal for startups, small businesses growing, and nonprofits looking to expand services
source - Startups
low-interest loans are ideal for startups, small businesses growing, and nonprofits looking to expand services
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. To begin the application process, please submit the form below.
source
Pages read (6)
- https://www.borderplexcapital.org/
- https://www.borderplexcapital.org/apply-for-a-loan
- https://www.borderplexcapital.org/about/community-development-financial-institution
- https://www.borderplexcapital.org/success-stories
- https://www.borderplexcapital.org/about/intake-form
- https://www.borderplexcapital.org/about
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.
- Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - 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$300,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
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 | $4.2M |
|---|---|
| Total liabilities | $285 |
| Net assets | $4.2M |
| Total revenue | $8,654 |
| Notes and loans receivable, net (Part X line 7) | $2.9M |
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 85-0674277, filed as “BORDERPLEX COMMUNITY CAPITAL 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 2020 (990) | $336,789 | $336,789 | $337,050 | $321,125 |
| Dec 2021 (990) | $4.4M | $4.3M | $4.1M | $4.3M |
| Dec 2022 (990) | $4.9M | $4.9M | $2M | $3M |
| Dec 2023 (990) | $4.2M | $4.2M | $8,654 | $2.9M |
Total assets grew 1150% from Dec 2020 to Dec 2023; notes and loans receivable rose 795%. 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 | $500,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 63% of these 184. |
| Total assets, latest IRS Form 990 | $4.2M | Larger than 31% of the 16 other certified loan funds and venture funds in Texas with a matched Form 990 (median $9.6M). |
| Business loan rate its website stated (2 Nov 2026) | 2.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 5 pts below prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
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 63% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Texas | 16 | larger than 31% |
“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. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
Other certified CDFIs in El Paso and Texas
- FIRSTLIGHT FEDERAL CREDIT UNIONCredit union · El Paso, TXAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- GECU Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Mountain Star Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loans, Personal / consumer loansVerified
- ONE SOURCE FEDERAL CREDIT UNIONCredit union · El Paso, TXAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loansVerified
- Raiz Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loansVerified
- Tigua Community Development CorporationLoan fund · El Paso, TX · Native CDFIOfficial list only
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