At a glance
From its website, read 2 Nov 2026TMCCommunityCapital is a loan fund based in Oakland, California. Its website describes microloans and small-business loans. Where it lends: Small businesses in California. Business loan rates stated on its site range from 9.5% to 10%. It says it considers borrowers with low or no credit history. It accepts an ITIN. 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
| Phone | (415) 655-5419 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.tmccommunitycapital.org |
| Office (official list) | 1611 Telegraph Ave, Suite 504, Oakland, CA 94612 |
What their website says about applying
Please contact the Community Milestone Partner directly.
sourceMost recent bank statements (business bank statement if available), Gov issued photo ID, proof of business
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 |
|---|---|---|---|
| Microloans | Rate: 9.5% | Micro Loan Amount: $5k-$25k Terms: 1-3 years Interest: 9.5% | source |
| Small-business loans | Rate: 9.5% | Small Business Loan Amount: $25,001k-$50,000k Terms: 2-5 years Interest: 9.5% | source |
| Small-business loans | Rate: 10% | Milestone Loan Amount: $5k Terms: 18 months Interest: 10% | source |
| Small-business loans | Term: up to 18 mo | Terms: 18 months | 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.
Who qualifies, in their words
- ITIN accepted
No minimum FICO score. ITINs are accepted.
source - Low or damaged credit considered
No minimum FICO score.
source - Minimum time in business: 1 year
at least 12 months
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) | 6 Aug 2026 |
| RSSD ID | — (none listed) |
| Address | 1611 Telegraph Ave, Suite 504, Oakland, CA 94612 Directions (Google Maps) |
| Website | www.tmccommunitycapital.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. The Small Business Loan amount is garbled on the page and was left out, and the Milestone loan is handled by a community partner so it was excluded. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | — | Micro Loan | source |
| Small-business loans | — | Small Business Loan | source |
Loan sizes
$5k-$25k
source
Service area
Small businesses in California
encouraging entrepreneurship among women-owned, low-income and under-resourced small businesses in California.
source
Statewide: California
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
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. - 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$1.6 million in 5 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $450,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2022 | CDFI Program, Financial Assistance | $350,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
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.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Business loan rate its website stated (2 Nov 2026) | 9.50% to 10.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 2.5 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Small-business loans (this lender states from 9.50%): Excite Credit Union from 7.50% (48 mi, read 2 Nov 2026)
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. Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Oakland and California
- Beneficial State Bancorp, Inc.Bank holding company · Oakland, CAAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans…Verified
- Beneficial State BankBank or thrift · Oakland, CAAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
- Habitat Community CapitalLoan fund · Oakland, CAAffordable housing development loansVerified
- ICA FundVenture capital fund · Oakland, CAEquity / venture investment, Small-business loansVerified
- Main Street LaunchLoan fund · Oakland, CASmall-business loansVerified
- Pacific Community Ventures, Inc.Loan fund · Oakland, CAOfficial list only
Work at TMCCommunityCapital? Link to this page
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