First Community Capital, Inc.

What their website says about applying

• Contact us by phone, email, or the form below. We'll learn about your needs and point you to the right loan product. source
• Meet with an FCC advisor who will help you prepare your documents, financials, and business plan before you formally apply. source
• Submit your completed application and supporting documents. source
• Two forms of ID will be required 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.

• No or thin credit history considered Startups with limited credit history source
• Low or damaged credit considered Many of our borrowers have limited or imperfect credit histories. source
• Business plan required Business plan required source
• Training or counseling required Business coaching & workshops required source

Only rules the lender's own pages state. Other requirements may apply.

Read from 2 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. Nano Loan is offered through partner Access Plus Capital, and commercial referrals are excluded as partner products. Terms change — confirm with the lender before applying.

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.

1. What is the APR, including fees, on your small-dollar emergency loans and personal loans?
   Their website does not state an APR. The APR includes fees, so it is the number to compare.
2. What interest rate and fees should I expect on your microloans and nonprofit facility loans?
   Their website does not state a rate for this.
3. How long can I take to repay?
   No repayment terms are stated on their website.
4. 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.

End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 84-3804891, filed as “FIRST 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

Total assets grew 605% from Jun 2021 to Jun 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).

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).

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