Real Capital.
Real Community.
Real Impact.
A U.S. Treasury certified CDFI empowering small businesses and nonprofits with mission-driven capital and free professional coaching to build resilient communities.
Capital for every stage of growth
From $500 credit-building loans to $2M+ commercial referrals, we provide the right capital for your journey — with a decision in 72 hours.
Start Up Loan
For early-stage entrepreneurs launching or formalizing a business.
Small Business Loan
For established businesses seeking growth or working capital.
Other specialist products
Nano, Nonprofit, TechStart, HSTEP, Small Dollar and Commercial Referrals up to $2M+.
“FCC believed in my vision when no one else would.”
Juliet Ngozi
Glory Homecare Staffing
More than a lender. We walk with you.
Every FCC client gets free coaching from day one — no catch, no extra cost. We pair every loan with the guidance you need to succeed long after closing.
1-on-1 Counseling — Guidance tailored to your goals, from formation paperwork to pricing strategy.
Financial Planning — Cash flow modeling, budgeting and bookkeeping support you can actually maintain.
Technical Assistance — Hands-on support throughout your loan term — not just at the closing table.
Growth Strategy — Workshops and tools to hire, expand locations and become bankable.
Ready to start your journey?
Apply in minutes or talk with a lender who will actually pick up the phone.