At a glance
From its website, read 2 Nov 2026Partner Community Capital, Inc. is a loan fund based in Charles Town, West Virginia. Its website describes farm loans, commercial real estate loans, equipment loans and 3 other loan types. Stated loan amounts run from $5,000. Where it lends: West Virginia, North Carolina, and surrounding Appalachian regions. 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
| inquiries@partnercapital.org source | |
| Apply online | Page with the application link |
| Website | www.partnercapital.org |
| Office (official list) | P.O. Box 839, Charles Town, WV 25414 |
What their website says about applying
Reach out to the lender in your area!
sourceIn your initial email/phone call, please remember to share:
sourceAll loan applicants must first submit a PCAP loan 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.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Commercial real estate loans | Term: up to 20 yr | Real Estate Loan: up to 20 years | source |
| Equipment loans | Term: up to 10 yr | Equipment Loan: up to 10 years | source |
| Small-business loans | Term: up to 5 yr | Working Capital Loan: up to 5 years | 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 | P.O. Box 839, Charles Town, WV 25414 |
| Website | www.partnercapital.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: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | to businesses, agricultural enterprises, and non-profits so they can improve quality of life in underserved communities | source |
| Commercial real estate loans | — | Real estate loans are primarily used for land and/or building purchases and can include construction and renovation activity. | source |
| Equipment loans | — | Equipment loans are primarily used to purchase large pieces of equipment such as production equipment, specialized manufacturing tools, and work-related vehicles (not cars). | source |
| Microloans | — | Through the SBA Microloan Program, PCAP will offer small-dollar loans alongside | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | SBA 7(a) Community Advantage program | source |
| Small-business loans | — | PCAP supports sustainable economic development by providing flexible, cash flow-based loans to small and emerging businesses across West Virginia, North Carolina, Central Appalachia and surrounding areas. | source |
Loan sizes
PCAP offers a range of loan sizes starting at $5,000 to larger commercial and community development projects exceeding $2 million.
source
Range used for the size filter: $5,000 to not stated
Service area
West Virginia, North Carolina, and surrounding Appalachian regions
The business or nonprofit must be located in West Virginia, North Carolina, or surrounding Appalachian regions.
source
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
- https://partnercap.org/
- https://partnercap.org/apply/
- https://partnercap.org/speciality-loans-programs/
- https://partnercap.org/what-we-do/
- https://partnercap.org/new-markets-tax-credit-program/
- https://partnercap.org/partner-community-capital-named-west-virginia-microloan-lender/
- https://partnercap.org/partner-community-capital-hosts-14th-annual-western-north-carolina-business-showcase/
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 largest loan you make?
Their website gives a minimum ($5,000) but no maximum. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
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. - 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$18.2 million in 15 awards from the U.S. Treasury's CDFI Fund, 2002–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $5,887,242 |
| 2022 | CDFI Program, Financial Assistance | $740,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $674,000 |
| 2018 | CDFI Program, Financial Assistance | $1,125,000 |
| 2016 | CDFI Program, Financial Assistance | $2,000,000 |
| 2015 | CDFI Program, Financial Assistance | $1,650,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Financial Assistance | $953,806 |
| 2011 | CDFI Program, Technical Assistance | $100,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2009 | CDFI Program, Financial Assistance | $600,000 |
| 2005 | CDFI Program, Technical Assistance | $49,803 |
| 2004 | CDFI Program, Financial Assistance | $300,000 |
| 2002 | CDFI Program, Technical Assistance | $194,965 |
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 | $98.1M |
|---|---|
| Total liabilities | $61.5M |
| Net assets | $36.6M |
| Total revenue | $17.6M |
| Program-related investments (Part X line 13) | $68.2M |
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 54-2058754, filed as “PARTNER 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 |
|---|---|---|---|
| Dec 2021 (990) | $71.8M | $24M | $8.9M |
| Dec 2022 (990) | $79M | $26.1M | $8.7M |
| Dec 2023 (990) | $98.1M | $36.6M | $17.6M |
Total assets grew 37% from Dec 2021 to Dec 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).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $212,500 (12 loans) | All 7(a) lenders in West Virginia: $120,000. Larger than the median loan of 63% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 0 → 5 | Rank among the 3 certified CDFIs in West Virginia with SBA approvals in either period: 2 → 2. |
| Total assets, latest IRS Form 990 | $98.1M | Larger than 87% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 63% |
| SBA approvals then vs now | certified CDFIs in West Virginia with SBA approvals FY2023–2026 | 2 | rank 2 → 2 of 3 |
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 87% |
“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. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 16 SBA-backed approvals for Partner Community Capital, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 12 7(a) loans as the lender: $2.5M in total (gross amount approved), median $212,500
- 4 504 projects as the third-party (first-lien) lender: $3M in total (its own third-party loan amount), median $694,670
By fiscal year: FY2020 3 · FY2021 3 · FY2022 5 · FY2023 0 · FY2024 0 · FY2025 2 · FY2026 3.
What actually happened
- Size of its 7(a) loans: half were between $163,750 and $250,000, median $212,500 (12 loans)
- Term of its 7(a) loans: median 124 months (10 years) (12 loans)
- Fixed or variable: 100% of its 7(a) loans had a fixed rate (12 loans)
- Young businesses: 58% of its 7(a) loans went to a startup or a business two years old or less (12 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) Community Advantage (7, 44%)
- 7(a) standard (5, 31%)
- 504 projects (as the third-party lender) (4, 25%)
Borrower industries
NAICS sector, 3 or more loans.
- Manufacturing (4)
- Retail trade (3)
- Accommodation and food services (3)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Partner Community Capital”); SBA lender ID 0507247: same name, state and city (SBA lists “Partner Community 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. Partner Community Capital, Inc. 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.
Other certified CDFIs in Charles Town and West Virginia
- Calhoun County Bank, Inc.Bank or thrift · Grantsville, WVAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Element Federal Credit UnionCredit union · Charleston, WVAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Personal / consumer loansVerified
- FNB Bank, IncorporatedBank or thrift · Romney, WVAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home mortgages…Verified
- Pioneer Community Bank, Inc.Bank or thrift · Iaeger, WVAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Whitesville State BankBank or thrift · Whitesville, WVAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loans…Verified
- Woodlands Community LendersLoan fund · Elkins, WVCommercial real estate loans, Affordable housing development loans, Small-business loansVerified
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