At a glance
From its website, read 2 Nov 2026Community Assets for People is a loan fund based in Stevens Point, Wisconsin. Its website describes auto loans, microloans, home mortgages and 2 other loan types. Where it lends: Six central Wisconsin counties: Marquette, Portage, Outagamie, Waupaca, Waushara and Wood. Business loan rates stated on its site range from 4% to 8%. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (715) 340-6248 source |
|---|---|
| Website | www.capservices.org |
| Office (official list) | 2900 Hoover Road Suite A, Stevens Point, WI 54481 |
What their website says about applying
Please email completed application to
sourceFor additional information and an application, contact:
sourceMust possess a valid WI driver’s license.
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 |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Households with incomes at or below 150% FPL will receive 0% interest loan. | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Interest rate 10%. | source |
| Small-business loans | Rate: 4%–8% | Rates and terms are determined by the business and need but generally fall in a 4 – 8% range. | 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
- Low or damaged credit considered
If you have poor credit or no credit, or have been denied financing by your bank or credit union, this program may be an option for you!
source - No or thin credit history considered
If you have poor credit or no credit, or have been denied financing by your bank or credit union, this program may be an option for you!
source - Income limit applies
Eligibility for the program limits household income to 150% of the federal poverty guideline.
source - Training or counseling required
Applicants will receive financial training prior to final approval.
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) | 25 Jun 2026 |
| RSSD ID | — (none listed) |
| Address | 2900 Hoover Road Suite A, Stevens Point, WI 54481 Directions (Google Maps) |
| Website | www.capservices.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. The pages do not describe an online application; the lender asks borrowers to download a form and email it. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $10,000 | Loans up to $10,000 for vehicle purchase. | source |
| Microloans | — | Business lending includes both micro-lending for business starts, and lending for expansions. | source |
| Home mortgages | — | CAfP provides business loans, home mortgage loans and consumer loans in six central Wisconsin counties: Marquette, Portage, Outagamie, Waupaca, Waushara and Wood. | source |
| Personal / consumer loans | — | CAfP provides business loans, home mortgage loans and consumer loans in six central Wisconsin counties: Marquette, Portage, Outagamie, Waupaca, Waushara and Wood. | source |
| Small-business loans | — | Business lending includes both micro-lending for business starts, and lending for expansions. | source |
Loan sizes
Service area
Six central Wisconsin counties: Marquette, Portage, Outagamie, Waupaca, Waushara and Wood
CAfP provides business loans, home mortgage loans and consumer loans in six central Wisconsin counties: Marquette, Portage, Outagamie, Waupaca, Waushara and Wood.
source
Counties this matches: Marquette County, WI, Outagamie County, WI, Portage County, WI, Waupaca County, WI, Waushara County, WI, Wood County, WI
Borrower focus
- Low- and moderate-income / underserved
provides low-cost capital to households and businesses owned by, or providing significant benefit to, low-income and moderate-income individuals.
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 (6)
- https://capservices.org/
- https://capservices.org/our-services/business/
- https://capservices.org/our-services/realestate/cafp/
- https://capservices.org/our-services/housing-transportation/wnw/
- https://capservices.org/our-services/realestate/commercial/
- https://capservices.org/our-services/housing-transportation/
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 are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - 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$4.5 million in 7 awards from the U.S. Treasury's CDFI Fund, 2000–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
| 2021 | CDFI Rapid Response Program | $1,040,000 |
| 2021 | Small Dollar Loan Program | $61,500 |
| 2018 | CDFI Program, Financial Assistance | $500,000 |
| 2012 | CDFI Program, Financial Assistance | $753,806 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2000 | CDFI Program, Technical Assistance | $40,000 |
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.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Business loan rate its website stated (2 Nov 2026) | 4.00% to 8.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 3 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. |
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. Prime rate: FRED DPRIME.
Other certified CDFIs in Stevens Point and Wisconsin
- Brewery Credit UnionCredit union · Milwaukee, WIAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- CoVantage Credit UnionCredit union · Antigo, WIHome mortgagesVerified
- First American Capital Corporation, Inc.Loan fund · Hale Corners, WI · Native CDFIMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Forward Community Investments, Inc.Loan fund · Madison, WICommercial real estate loans, Nonprofit / community facility loans, Small-business loansVerified
- Habitat for Humanity International, Inc. d/b/a Habitat for Humanity of Dane CountyLoan fund · Madison, WIHome mortgagesVerified
- Hmong Wisconsin Chamber of CommerceLoan fund · Milwaukee, WICommercial real estate loans, Small-dollar / emergency loans, Small-business loansVerified
Work at Community Assets for People? 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.