At a glance
From its website, read 2 Nov 2026SNAP Financial Access is a loan fund based in Spokane, Washington. Its website describes commercial real estate loans, equipment loans, microloans and 2 other loan types. Stated loan amounts run from $500 to $150,000. It says it considers borrowers with low or no credit history. 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
| Apply online | Page with the application link |
|---|---|
| Website | snapfinancialaccess.org |
| Office (official list) | 3102 W. Whistalks Way, Spokane, WA 99224 |
What their website says about applying
Share your business plan and financial statements.
sourcePlease compile the necessary documents prior to meeting with your loan counselor.
sourceYour personal tax returns for the last 2 years
sourceComplete our online application and submit those documents
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
Bad Credit? Supply the reason why
source - Business plan required
Business Plan (use one or more of the following)
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) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 3102 W. Whistalks Way, Spokane, WA 99224 Directions (Google Maps) |
| Website | snapfinancialaccess.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 6 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. Page 1 gives two loan ranges ($500-$150,000 and $5,000 to $150,000), and the home page says the lender has moved. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Commercial Real Estate | source |
| Equipment loans | — | equipment purchases, working capital | source |
| Microloans | — | Launch your startup with confidence or take your business to the next level with the power of microloans. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | A compassionate SBA lender for every stage of business development. | source |
| Small-business loans | $500 – $150,000 | You can apply for a small business loan (in amounts ranging from $500-$150,000) to help with start-up or expansion costs through SNAP Financial Access. | source |
Loan sizes
You can apply for a small business loan (in amounts ranging from $500-$150,000) to help with start-up or expansion costs through SNAP Financial Access.
sourceWe offer loans ranging from $5,000 to $150,000.
source
Range used for the size filter: $500 to $150,000
Service area
Not stated on the pages we read.
Borrower focus
- Immigrants
We exist to fund women, veterans, communities of color, immigrants, LGBT, disabled, and other traditionally under-banked entrepreneurs.
source - Minority / BIPOC
We exist to fund women, veterans, communities of color, immigrants, LGBT, disabled, and other traditionally under-banked entrepreneurs.
source - Veterans
We exist to fund women, veterans, communities of color, immigrants, LGBT, disabled, and other traditionally under-banked entrepreneurs.
source - Women
We exist to fund women, veterans, communities of color, immigrants, LGBT, disabled, and other traditionally under-banked entrepreneurs.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Complete our online application and submit those documents
source
Pages read (6)
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 commercial real estate loans and equipment 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$4.1 million in 7 awards from the U.S. Treasury's CDFI Fund, 2005–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,019,629 |
| 2021 | CDFI Rapid Response Program | $1,000,000 |
| 2020 | CDFI Program, Financial Assistance | $650,000 |
| 2016 | CDFI Program, Financial Assistance | $700,000 |
| 2013 | CDFI Program, Financial Assistance | $600,000 |
| 2007 | CDFI Program, Financial Assistance | $87,036 |
| 2005 | CDFI Program, Technical Assistance | $33,450 |
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 | $15.1M |
|---|---|
| Total liabilities | $5.7M |
| Net assets | $9.5M |
| Total revenue | $3.3M |
| Notes and loans receivable, net (Part X line 7) | $8.5M |
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 37-1502691, filed as “SNAP FINANCIAL ACCESS”), 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) | $13M | $7.6M | $5.5M | $7.5M |
| Dec 2022 (990) | $13M | $8.3M | $3.6M | $7.9M |
| Dec 2023 (990) | $15.1M | $9.5M | $3.3M | $8.5M |
Total assets grew 17% from Dec 2021 to Dec 2023; notes and loans receivable rose 13%. 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 | $150,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 28% of these 184. |
| Total assets, latest IRS Form 990 | $15.1M | Larger than 50% of the 10 other certified loan funds and venture funds in Washington with a matched Form 990 (median $11.3M). |
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 28% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Washington | 10 | larger than 50% |
“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 Spokane and Washington
- Canopy Federal Credit UnionCredit union · Spokane, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Chehalis Tribal Loan FundLoan fund · Oakville, WA · Native CDFIAuto / vehicle loans, Credit-builder loans, Equipment loans, Home repair / improvement loans…Verified
- Denkyem SPCLoan fund · Renton, WAVerified
- Express Credit UnionCredit union · Seattle, WAPersonal / consumer loansVerified
- Great NorthWest Federal Credit UnionCredit union · Aberdeen, WAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Harborstone Credit UnionCredit union · Lakewood, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at SNAP Financial Access? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.