At a glance
From its website, read 2 Nov 2026Fresno Area Hispanic Foundation is a loan fund based in Fresno, California. Its website describes microloans and personal loans. Stated loan amounts run from $500 to $75,000. Where it lends: Fresno, surrounding Central Valley rural communities and Central Valley businesses. It says it considers borrowers with low or no credit history. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (559) 222-8705 source |
|---|---|
| Website | www.fresnoahf.org |
| Office (official list) | 1444 Fulton Street, Fresno, CA 93721 |
What their website says about applying
Call us (559) 222-8705
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 |
|---|---|---|---|
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 12% annual interest | source |
| Microloans | Term: up to 3 yr | Up to 3 years | source |
| Microloans | Term: up to 5 yr | Up to 5 Years | source |
| Personal / consumer loans | Term: see their wording | 24 month loan | 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
No minimum FICO score
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) | 17 Jan 2021 |
| RSSD ID | — (none listed) |
| Address | 1444 Fulton Street, Fresno, CA 93721 Directions (Google Maps) |
| Website | www.fresnoahf.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 7 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: medium. Loan amounts and terms come from the micro-loan and consumer loan pages; no online application was found. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | — | Micro-Loan Program | source |
| Personal / consumer loans | $500 – $3,000 | $500 to $3,000 | source |
Loan sizes
Range used for the size filter: $500 to $75,000
Service area
Fresno, surrounding Central Valley rural communities and Central Valley businesses
Loan for Central Valley business in urban and rural markets.
source
Counties this matches: Fresno County, CA
Borrower focus
Languages
- Spanish
serves as the first bilingual (English/Spanish) business incubator
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.fresnoahf.org/
- https://www.fresnoahf.org/micro-loan-program
- https://www.fresnoahf.org/micro-loan-program/consumer-loans
- https://www.fresnoahf.org/lend-a-hand
- https://www.fresnoahf.org/programs-services
- https://www.fresnoahf.org/lend-a-hand-gallery
- https://www.fresnoahf.org/downtown-business-hub
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 is the APR, including fees, on your personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - 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$927,670 in 4 awards from the U.S. Treasury's CDFI Fund, 2017–2022 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2022 | Small Dollar Loan Program | $177,670 |
| 2019 | CDFI Program, Technical Assistance | $125,000 |
| 2017 | CDFI Program, Technical Assistance | $125,000 |
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 | $11.5M |
|---|---|
| Total liabilities | $3.5M |
| Net assets | $8M |
| Total revenue | $6.7M |
| Notes and loans receivable, net (Part X line 7) | $2M |
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 75-3129705, filed as “FRESNO AREA HISPANIC FOUNDATION”), 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) | $5.7M | $4.2M | $3M | $557,098 |
| Dec 2022 (990) | $8.9M | $5.4M | $3.2M | $1.3M |
| Dec 2023 (990) | $11.5M | $8M | $6.7M | $2M |
Total assets grew 103% from Dec 2021 to Dec 2023; notes and loans receivable rose 265%. 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 | $75,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 17% of these 184. |
| Total assets, latest IRS Form 990 | $11.5M | Larger than 32% 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
| 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 17% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 32% |
“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 Fresno and California
- Fresno Community Development Financial Institution dba Access Plus CapitalLoan fund · Fresno, CACommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Microloans…Verified
- Valley Small Business Development CorporationLoan fund · Fresno, CAAgriculture / farm loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Fresno Area Hispanic Foundation? Link to this page
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