Fresno Community Development Financial Institution dba Access Plus Capital

What their website says about applying

• Fill out the online application. source
• Submit required documents. source
• Photo ID (Driver’s license, passport, or California ID) source
• Click on a loan type to learn more and start your application. 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.

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.

• Minimum credit score: 600 Minimum Credit Score 600 source
• Low or damaged credit considered Meet basic creditworthiness (Perfect credit is not required!) source

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

Read 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: high. Loan amounts differ between pages, and Punjabi support is stated but is not in the directory language list. 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 are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
2. What is the APR, including fees, on your energy-efficiency loans?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
3. Do you need collateral, a business plan or a minimum time in business?
   Their website does not say what they require.
4. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
5. 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 December 2023 (tax year 2023; EIN 26-1177785, filed as “FRESNO COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION”), 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 fell 10% from Dec 2021 to Dec 2023; notes and loans receivable rose 16%. 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).

The SBA's public loan data lists 10 SBA-backed approvals for Fresno Community Development Financial Institution dba Access Plus Capital in fiscal years 2020–2026 (October 2019 to September 2026):

• 8 7(a) loans as the lender: $1.2M in total (gross amount approved), median $125,000
• 2 504 projects as the third-party (first-lien) lender

By fiscal year: FY2020 1 · FY2021 2 · FY2022 5 · FY2023 1 · FY2024 0 · FY2025 0 · FY2026 1.

How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Fresno Community Development Financial Institution dba Access Plus Capital”); SBA lender ID 0477628: same name, state and city (SBA lists “Fresno Community Development Financial Institution dba Access Plus Capital”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Fresno Community Development Financial Institution dba Access Plus Capital may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

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