At a glance
From its website, read 2 Nov 2026Rural Community Assistance Corporation is a loan fund based in West Sacramento, California. Its website describes affordable housing development loans, nonprofit facility loans and small-business loans. Where it lends: Rural communities in 13 western states and western Pacific islands; rural means 50,000 or fewer people. 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
| Main | (916) 447-2854 source |
|---|---|
| Lending | (855) 979-7322 source |
| Apply online | Page with the application link |
| Website | www.rcac.org |
| Office (official list) | 3120 Freeboard Drive Suite 201, West Sacramento, CA 95691 |
What their website says about applying
Call a Loan Fund staff member for instructions on where to send your application or if you have any questions as you work through the process.
sourcePlease send the complete application package with original signature (blue ink is always helpful) to the loan officer serving your area.
sourceAll of the documents numbered 1 – 11 are required as part of the 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.
Who qualifies, in their words
- Business plan required
Required for all businesses less than two years old.
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 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 3120 Freeboard Drive Suite 201, West Sacramento, CA 95691 Directions (Google Maps) |
| Website | www.rcac.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. No loan amounts are stated on the pages fetched, and the water well loan program was not classed as a product. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Affordable housing development loans | — | RCAC financing helps developers build single and multifamily affordable housing units for low-income families. | source |
| Nonprofit / community facility loans | — | Eligible applicants to the loan fund are nonprofit organizations, public bodies and tribal governments for affordable housing, community facilities and environmental infrastructure projects. | source |
| Small-business loans | — | This program offers short-term loans for working capital and lines of credit as well as long-term loans for real estate and equipment. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Rural communities in 13 western states and western Pacific islands; rural means 50,000 or fewer people
RCAC serves rural communities in 13 western states and western Pacific islands.
source
Borrower focus
- Native American / Alaska Native / Native Hawaiian
All RCAC services are available to and have a priority to work with tribes and Indigenous communities.
source - Nonprofits
We loan to nonprofit developers, local government agencies and tribal governments for low-income housing projects.
source - Rural
Projects must be located in rural areas with populations of 50,000 or less in RCAC’s service region.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Learn more and apply online
source
Pages read (7)
- https://www.rcac.org/
- https://www.rcac.org/rcac-awarded-150000-under-federal-home-loan-bank-of-san-franciscos-ahead-program-2/
- https://www.rcac.org/rcac-welcomes-three-leaders-in-housing-finance-and-public-service-to-board-of-directors/
- https://www.rcac.org/opportunity-finance-network-ofn-and-the-citi-foundation-select-juanita-hallstrom-rcacs-loan-admin-manager-lending-housing-for-prestigious-citi-leadership-program-for-opportunit/
- https://www.rcac.org/lending/small-business-loans/
- https://www.rcac.org/lending/affordable-housing-loans/
- https://www.rcac.org/lending/household-water-well-septic-loans/
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 interest rate and fees should I expect on your affordable housing development loans and nonprofit facility loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated 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$52.5 million in 28 awards from the U.S. Treasury's CDFI Fund, 1996–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $900,000 |
| 2024 | Capital Magnet Fund | $6,750,000 |
| 2023 | Capital Magnet Fund | $4,500,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2022 | CDFI Program, Financial Assistance | $660,000 |
| 2021 | CDFI Program, Financial Assistance | $690,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Capital Magnet Fund | $4,500,000 |
| 2020 | Capital Magnet Fund | $2,900,000 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2019 | Capital Magnet Fund | $3,750,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
| 2017 | Capital Magnet Fund | $2,500,000 |
| 2016 | CDFI Program, Financial Assistance | $1,500,000 |
| 2014 | CDFI Program, Financial Assistance | $1,750,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2010 | Capital Magnet Fund | $2,000,000 |
| 2009 | CDFI Program, Financial Assistance | $2,000,000 |
| 2006 | CDFI Program, Financial Assistance | $585,000 |
| 2005 | CDFI Program, Financial Assistance | $950,000 |
| 2004 | CDFI Program, Financial Assistance | $1,855,000 |
| 2001 | CDFI Program, Financial Assistance | $1,000,000 |
| 1998 | CDFI Program, Financial Assistance | $2,000,000 |
| 1997 | CDFI Program, Financial Assistance | $900,000 |
| 1996 | CDFI Program, Financial Assistance | $1,700,000 |
New Markets Tax Credit allocations
$8 million in 1 allocation. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2002 | New Markets Tax Credit allocation | $8,000,000 |
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 Sep 2023| Total assets | $196.7M |
|---|---|
| Total liabilities | $104.8M |
| Net assets | $91.9M |
| Total revenue | $39.7M |
| Notes and loans receivable, net (Part X line 7) | $102.3M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 94-2512284, filed as “RURAL COMMUNITY ASSISTANCE”), 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 |
|---|---|---|---|---|
| Sep 2021 (990) | $208.7M | $80.2M | $52.2M | $110.7M |
| Sep 2022 (990) | $196.7M | $85.2M | $32.9M | $97.2M |
| Sep 2023 (990) | $196.7M | $91.9M | $39.7M | $102.3M |
Total assets fell 6% from Sep 2021 to Sep 2023; notes and loans receivable fell 8%. 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 | $67,500 (12 loans) | All 7(a) lenders in California: $270,000. Larger than the median loan of 7% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 2 → 5 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 14 → 9. |
| Total assets, latest IRS Form 990 | $196.7M | Larger than 87% 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 |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 7% |
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 14 → 9 of 21 |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | 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 12 SBA-backed approvals for Rural Community Assistance Corporation in fiscal years 2020–2026 (October 2019 to September 2026):
- 12 7(a) loans as the lender: $1.1M in total (gross amount approved), median $67,500
By fiscal year: FY2020 0 · FY2021 2 · FY2022 3 · FY2023 1 · FY2024 1 · FY2025 3 · FY2026 2.
What actually happened
- Size of its 7(a) loans: half were between $48,500 and $152,250, median $67,500 (12 loans)
- Term of its 7(a) loans: median 84 months (7 years) (12 loans)
- Fixed or variable: 100% of its 7(a) loans had a fixed rate (12 loans)
- Young businesses: 50% 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 (6, 50%)
- 7(a) standard (6, 50%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (4)
How this lender was matched in the SBA files: SBA lender ID 0495900: same name, state and city (SBA lists “Rural Community Assistance Corporation”).
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. Rural Community Assistance Corporation may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
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 West Sacramento and California
- 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
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at Rural Community Assistance Corporation? Link to this page
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