At a glance
From its website, read 2 Nov 2026Shenandoah Community Capital Fund, Inc. is a loan fund based in Staunton, Virginia. Its website describes microloans and small-business loans. Stated loan amounts run from $1,000 to $50,000. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.sccfva.org |
|---|---|
| Office (official list) | 11 N. Central Ave. Ste. 210, Staunton, VA 24401 |
What their website says about applying
and a member of our loan team will contact you to set up a loan interest meeting!
sourceThe application process takes about one month. The Loan Review Committee meets on the 4th Friday of every month.
sourceApplications can be submitted on a rolling basis; applications received by the 15th of the month prior are eligible to be presented for approval to the loan review committee the next month.
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
- Low or damaged credit considered
We look at credit history, however, SCCF is not a credit-based lender so a loan decision will not be based solely on your credit history
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) | 13 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 11 N. Central Ave. Ste. 210, Staunton, VA 24401 Directions (Google Maps) |
| Website | www.sccfva.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. The Augusta County Loan Fund is a partner program managed by SCCF and was excluded from the products. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | $1,000 – $50,000 | Our small business microloans range from $1,000 to $50,000, and can fund various expenses, including equipment, inventory, and working capital for small businesses that do not qualify for commercial business loans. | source |
| Small-business loans | — | If you’re interested in learning more about, or applying for, a small business loan, please fill out our | source |
Loan sizes
Our small business microloans range from $1,000 to $50,000, and can fund various expenses, including equipment, inventory, and working capital for small businesses that do not qualify for commercial business loans.
source
Range used for the size filter: $1,000 to $50,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What interest rate and fees should I expect on your microloans and small-business 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. - How long can I take to repay?
No repayment terms are stated on their website. - 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$220,350 in 2 awards from the U.S. Treasury's CDFI Fund, 2010–2015 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2015 | CDFI Program, Technical Assistance | $125,000 |
| 2010 | CDFI Program, Technical Assistance | $95,350 |
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 Jun 2023| Total assets | $775,837 |
|---|---|
| Total liabilities | $520,844 |
| Net assets | $254,993 |
| Total revenue | $1.2M |
| Notes and loans receivable, net (Part X line 7) | $345,747 |
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 26-1798076, filed as “SHENANDOAH COMMUNITY CAPITAL FUND I NC”), 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 |
|---|---|---|---|---|
| Jun 2021 (990) | $697,154 | $411,410 | $607,781 | $368,170 |
| Jun 2022 (990) | $739,062 | $316,679 | $937,977 | $402,073 |
| Jun 2023 (990) | $775,837 | $254,993 | $1.2M | $345,747 |
Total assets grew 11% from Jun 2021 to Jun 2023; notes and loans receivable fell 6%. 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 | $50,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 7% of these 184. |
| Total assets, latest IRS Form 990 | $775,837 | Larger than 8% of the 13 other certified loan funds and venture funds in Virginia with a matched Form 990 (median $11.1M). |
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 7% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Virginia | 13 | larger than 8% |
“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 Staunton and Virginia
- Appalachian Community Capital CorporationLoan fund · Christiansburg, VAVerified
- Bridging Virginia IncLoan fund · Richmond, VASmall-business loansVerified
- Business Seed Capital, Inc.Loan fund · Roanoke, VASmall-dollar / emergency loansVerified
- Capital Impact PartnersLoan fund · Arlington, VACommercial real estate loans, Nonprofit / community facility loansVerified
- Community Investment CollaborativeLoan fund · Charlottesville, VAMicroloans, Small-business loansVerified
- Democracy FCUCredit union · Alexandria, VAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loansVerified
Work at Shenandoah Community Capital Fund, Inc.? Link to this page
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