Loan Products

True Access Capital is a certified Community Development Financial Institution (CDFI) serving the State of Delaware and southeastern Pennsylvania. We provide small business loans from $10,000 to $500,000, and community development loans of up to $500,000.

We are especially focused on serving diverse business owners, including those who may have difficulty securing financing through traditional sources such as banks and credit unions. And we structure loans differently than traditional lenders by focusing on cash flow analysis, accepting non-traditional collateral and offering flexible terms. True Access Capital offers three loan funds:

Micro Loans ($10,000 – $50,000)
Business Growth Loans ($50,000 – $500,000)
Community Development Loans (up to $500,000)

But financing is only one of our services. True Access Capital also offers technical assistance to help small businesses grow and to help communities thrive.

For more information, call us at (302) 652-6774.

Kate and Imad Jamal Bread and Buttercream

Micro Loans($10,000 - $50,000)

The Micro Loan Fund provides loans for small business start-up and expansion. Loans range from $5,000 to $50,000. Micro loans can be used for most business purposes, including working capital, inventory and equipment. Micro Loan Fund borrowers are frequently start-up or early stage businesses.

Tammy Parris Parris Nail Lounge

Business Growth Loans($50,000 to $500,000.)

The Business Growth Fund provides loans for existing businesses whose capital needs are larger than $250,000. Typically, Business Growth Fund borrowers have been in business for at least two years. Loans range from $250,000 to $250,000. Most business purposes are eligible, including working capital, inventory, equipment, leasehold/capital improvements and real estate acquisition.

Honorato Flores Without Borders Landscaping, LLC

Community Development Loans(Up to $500,000.)

The Community Development Loan Fund provides loan capital to nonprofit and for-profit, community-based projects, such as childcare centers, community centers, mixed use properties and other projects meant to support community growth and development. The maximum loan size is $500,000.

Technical Assistance Services

Technical Assistance has always been a very important component of True Access Capital’s lending programs. Since the organization’s inception, it has always provided technical assistance for its clients, which include assistance with the application package, the business planning process, and follow-up services once the client becomes a borrower.

Technical Assistance helps prepare potential borrowers for the application/underwriting process and it helps existing borrowers remain sustainable, once the loan has been made.

Additionally, True Access Capital offers specialized technical assistance and business training through the Retail Assistance Program and Women’s Business Center.

To learn more about True Access Capital’s Technical Assistance services, email ctymes@trueaccesscapital.org or complete a Request for Counseling Form

Business Loan Application

Apply For a Loan

For more information, please contact us at 302-652-6774