At a glance
From its website, read 2 Nov 2026Texas Community Capital is a loan fund based in Austin, Texas. Its website describes small-dollar emergency loans and affordable housing development loans. Where it lends: Texas-wide; affordable housing properties must be in Texas.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (512) 916-0508 source |
|---|---|
| info@tccapital.org source | |
| Website | tccapital.org |
| Office (official list) | 3301 Northland Drive, Suite 410, Austin, TX 78731 |
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
- Income limit applies
earning up to 80% MFI for rental & homeownership
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) | 1 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 3301 Northland Drive, Suite 410, Austin, TX 78731 Directions (Google Maps) |
| Website | tccapital.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. Loan amounts and terms are not stated on the pages fetched, and the small-dollar loan is delivered through partner lenders. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-dollar / emergency loans | — | We are proud to offer an affordable small-dollar loan product through a network of local & regional non-profit lenders who provide borrowers with financial counseling | source |
| Affordable housing development loans | — | designed to provide smaller affordable housing community-based 501c3 non-profit & mission driven developers with funds to acquire land or property | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Texas-wide; affordable housing properties must be in Texas
Property acquired/preserved/maintained & renovated must be in the State of Texas.
source
Statewide: Texas
Borrower focus
- Nonprofits
We prioritize CDCs, non-profit 501(c)3, and mission driven organizations.
source
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.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your small-dollar emergency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your affordable housing development loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - 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. - What documents will you need from me, and how long does a decision usually take?
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$287,148 in 3 awards from the U.S. Treasury's CDFI Fund, 2005–2022 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2018 | CDFI Program, Technical Assistance | $124,548 |
| 2005 | CDFI Program, Technical Assistance | $37,600 |
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 | $563,494 |
|---|---|
| Total liabilities | $188,015 |
| Net assets | $375,479 |
| Total revenue | $92,295 |
| Notes and loans receivable, net (Part X line 7) | $153,001 |
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 68-0488549, filed as “TEXAS COMMUNITY CAPITAL”), 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) | $703,722 | $445,939 | $49,661 | $246,108 |
| Dec 2022 (990) | $617,042 | $420,927 | $83,457 | $146,859 |
| Dec 2023 (990) | $563,494 | $375,479 | $92,295 | $153,001 |
Total assets fell 20% from Dec 2021 to Dec 2023; notes and loans receivable fell 38%. 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 |
|---|---|---|
| Total assets, latest IRS Form 990 | $563,494 | Larger than 19% of the 16 other certified loan funds and venture funds in Texas with a matched Form 990 (median $9.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Texas | 16 | larger than 19% |
“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 Austin and Texas
- Business and Community Lenders (BCL) of TexasLoan fund · Austin, TXCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Business Investment GrowthLoan fund · Austin, TXMicroloansVerified
- Five Points Community Capital, LLCLoan fund · Austin, TXAffordable housing development loans, Small-business loansVerified
- Just Community, IncLoan fund · Austin, TXMicroloans, Small-business loansVerified
- PeopleFundLoan fund · Austin, TXOfficial list only
- Star of Texas Credit UnionCredit union · Austin, TXAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Home mortgages…Verified
- The Community Business Investment Fund, LLCLoan fund · Austin, TXAffordable housing development loansVerified
Work at Texas Community Capital? Link to this page
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