NALCAB is a CDFI intermediary supporting 200+ nonprofit member organizations across all 50 states focused on Latino community economic development through lending, capacity building, and policy advocacy.
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NALCAB (National Association for Latino Community Asset Builders) was established as a one-of-a-kind CDFI intermediary organization dedicated to maximizing the economic contributions of the Latino population to the U.S. economy. The organization operates a network of 200+ member CDFI and economic development nonprofit organizations with presence spanning all 50 states, Washington DC, and Puerto Rico.
NALCAB provides four primary areas of support to member organizations: Capital (lending, loan stated terms, grants, and impact investing opportunities), Capacity (technical assistance, webinars, workshops, and tailored training), Collective Voice (policy advocacy at local, state, and federal levels), and Community (peer-to-peer connections, national conferences, and leadership development). In 2024 alone, NALCAB distributed 84 grants totaling $2,228,500 to community economic development nonprofits and trained 1,052 professionals. The organization has surpassed $50 million in lending volume and provides advisory services to government agencies and congressional offices.
What distinguishes NALCAB is its intermediary model—it doesn't directly serve individual consumers but rather supports and strengthens the nonprofit organizations that do. The organization operates as both a funder and capacity builder, offering individualized technical assistance alongside capital access. Their work spans multiple sectors including neighborhood development, small business development, financial capability, and housing (evidenced by their $650,000 loan to Centro para la Reconstrucción del Hábitat for Puerto Rico housing crisis response).
NALCAB functions as a free-help resource for nonprofit organizations and their affiliated communities. While not a direct consumer credit counseling service, it serves the broader ecosystem of organizations providing financial assistance and community development. End consumers typically access NALCAB's impact indirectly through their member organization networks rather than through direct service. Counselors can evaluate whether an installment loan for consolidation makes sense. For those with damaged credit, credit repair companies can dispute inaccurate items with all three bureaus. Secured credit cards and credit builder loans offer structured paths to rebuilding credit scores over time.
This is state-level context for Free Help consumers in San Antonio, TX. It does not confirm that NALCAB - National Association For Latino Community Asset Builders or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
NALCAB - National Association For Latino Community Asset Builders offers 12 services including Lending and loan guarantees to member CDFI organizations, Grant funding for community economic development nonprofits, Impact investing opportunities, Individualized technical assistance for member organizations, Webinars and workshops on community development topics, and 7 more.
NALCAB - National Association For Latino Community Asset Builders has profile signals associated with Nonprofit organizations and CDFIs working on community economic development seeking grants, loans, and capacity building support, Communities in Latino-serving regions seeking housing, small business, or neighborhood development initiatives, Policymakers and government agencies seeking advisory services on community development and Latino economic issues, Economic development professionals seeking training, networking, and peer learning opportunities.
Key strengths: Operates a nationwide network of 200+ member CDFIs and nonprofits across all 50 states, DC, and Puerto Rico; Distributed $2,228,500 in grants to 84 nonprofit organizations in 2024 alone; Provides both capital access (loans, stated terms, grants, impact investing) and capacity building (training, technical assistance, webinars). Areas to consider: Not a direct consumer service—individuals cannot access NALCAB services directly; must go through member organizations; Limited transparency on specific eligibility criteria and application processes for grants and lending programs.
In the Free Help category, comparable providers include Cities for Financial Empowerment Fund, Working Solutions CDFI, Nanakuli Housing Corporation. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
NALCAB is profile signals for nonprofit organizations, CDFIs, and community development professionals seeking to strengthen Latino community economic development through grants, capital access, and capacity building. The main caveat is that NALCAB is an intermediary organization—individual consumers cannot directly apply for or receive services; they must access support through member organizations in their community.
National nonprofit that partners with city governments to embed financial empowerment programs into local infrastructure, serving 62 million residents across 150+ cities.
Google rating from 2 reviews
Profile signals: Residents of partner cities seeking free financial counseling and empowerment services through municipal programs, Low and moderate-income households in cities with CFE Fund financial empowerment centers
Working Solutions CDFI provides affordable small business loans ($5K-$100K) and free consulting to diverse entrepreneurs in California, with no minimum credit score or revenue requirements.
Google rating from 25 reviews
Profile signals: Pre-revenue and early-stage entrepreneurs who cannot qualify for traditional bank financing, Diverse and minority-owned business owners seeking capital without collateral requirements
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