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Community Development Financial Institution (CDFI) headquartered in Las Vegas offering affordable small business loans, micro loans, and contract financing to Nevada entrepreneurs underserved by traditional banks.
Data compiled from public sources
Access Community Capital is a Nevada-based nonprofit community loan fund founded by entrepreneurs who understand firsthand the challenges of starting and growing a business. The organization operates as a Community Development Financial Institution (CDFI) with a mission to provide capital and support to small business owners and startups not traditionally served by mainstream financial institutions. Since its founding, Access has positioned itself as the only community loan fund headquartered in Las Vegas, serving entrepreneurs throughout Nevada.
Access Community Capital offers six distinct small business loan products tailored to different business needs and stages. These include the Nevada Business Expansion Loan Fund (in partnership with the Nevada Governor's Office of Economic Development), the INVEST North Las Vegas Revolving Loan Fund, Micro Loans for established businesses needing quick capital, Contract Financing for businesses bidding on or executing contracts with prime companies or government agencies, Revenue-Based Financing for established businesses, and Special Situations/Custom Financing solutions. Beyond capital, the organization provides technical assistance, business coaching, and educational training to help applicants prepare their businesses for success.
Access distinguishes itself through its deep community roots, nonprofit mission-driven structure, and focus on underserved entrepreneurs. The organization explicitly targets replacing high-interest with high-cost lending risk context debt with flexible, affordable capital. Their micro loans feature published application timing processes, lower interest rates and fees, and longer repayment terms to keep monthly payments affordable. The company emphasizes that supporting their borrowers creates broader community impact by supporting not just businesses but their employees and families.
While Access provides valuable resources for Nevada small business owners, potential borrowers should note that the website lacks specific loan terms, interest rate ranges, or maximum loan amounts, making it difficult to assess affordability or eligibility before contacting the organization. The company's loan statistics on their homepage display as zeros, suggesting either recently launched programs or outdated website content. Additionally, as a community loan fund, their lending may be more restrictive than traditional banks, with geographic focus limited to Nevada.
This is state-level context for Business Loans consumers in Las Vegas, NV. It does not confirm that ACCESS CDFI or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Status: Permitted
Rate context: No general usury cap on personal loans under Nevada law; rates determined by contract
Personal loans are largely unregulated in Nevada absent specific licensing requirements; lenders and borrowers may negotiate rates freely
Status: Permitted
Rate context: No general usury cap; rates negotiated between lender and borrower
Installment loans are permitted; lenders making installment loans of $2,500 or more must be licensed under Nev. Rev. Stat. § 604A; Truth in Lending Act (TILA) and Regulation Z disclosures apply to federally-regulated lenders
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
ACCESS CDFI offers 10 services including Nevada Business Expansion Loan Fund with bridge financing options, INVEST North Las Vegas Revolving Loan Fund (in partnership with NLV Small Business Connector), Micro Loans for established businesses with fast approval and affordable payments, Contract Financing for businesses executing or bidding on government/prime contractor work, Revenue-Based Financing for established businesses sharing percentage of future revenue, and 5 more.
ACCESS CDFI has profile signals associated with Nevada-based small business owners and startups rejected by traditional banks due to limited credit history or collateral, Entrepreneurs currently paying high-interest or high-cost loans looking to refinance with affordable alternatives, Contractors bidding on government or prime company contracts who need working capital to execute, Established small businesses seeking quick micro loans or revenue-based financing without lengthy underwriting.
Key strengths: Mission-driven nonprofit structure explicitly focused on replacing predatory debt with affordable capital; Multiple listed loan programs for different business needs (expansion, contracts, revenue-based, micro loans); In-house technical assistance and business coaching included with financing. Areas to consider: Website lacks specific loan terms, interest rates, APR ranges, or maximum loan amounts, making comparison shopping impossible; Geographic limitation—loans primarily for Nevada businesses only.
In the Business Loans category, comparable providers include 5 Star Funding Group, BG Capital Funding Group, Nevada State Development Corporation. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Access Community Capital is profile signals for Nevada small business owners and entrepreneurs underserved by traditional banks who need affordable capital paired with business coaching and technical support. The primary caveat is the lack of published loan terms, interest rates, or specific program details online—applicants must contact the organization directly to understand whether they qualify and what rates they'll receive, making it impossible to comparison shop before applying.
5 Star Funding Group offers a broad range of commercial financing solutions including SBA loans, equipment financing, merchant cash advances, and commercial real estate loans for businesses of all sizes.
Profile signals: Business owners needing listed financing (equipment, real estate, franchise, or church loans), Entrepreneurs with non-traditional income or credit who need customized lending solutions
BG Capital Funding Group offers commercial financing solutions including business loans, equipment leasing, and merchant cash advances for small to medium-sized companies.
Profile signals: Small to medium-sized business owners seeking alternatives to traditional bank lending, Companies needing listed financing like equipment leasing, franchise financing, or accounts receivable financing
Nevada State Development Corporation is a CDC specializing in SBA 504 loans for small business real estate and equipment financing with 10% down payments and fixed rates up to 25 years.
Profile signals: Small business owners in Nevada purchasing commercial real estate or equipment with limited down payment capital, First-time commercial property buyers seeking longer repayment terms and fixed rates
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
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