CAP Services’ Community Assets for People (CAfP) provides low-cost capital to households and businesses owned by, or providing significant benefit to, low-income and moderate-income individuals.

Start-ups face difficulty accessing financing because they lack the financial track record most lenders require. When business financing is needed, our Small Business Assistance staff works with clients to identify sources that might include CAfP, local economic development corporations and/or local banks. CAfP also provides gap financing to ensure thriving businesses are able to expand when those businesses already have a bank relationship.

Staff underwrite loans just as a bank might but, by design, may take on riskier deals to ensure opportunity for low-income business owners or to facilitate job creation for low-income individuals. Rates and terms are determined by the business and need but generally fall in a 4 – 8% range.

Business lending includes both micro-lending for business starts, and lending for expansions.

CAP Services’ Business Development staff provides technical assistance services to business start-ups and expansions that can include business plan development, market/feasibility assessment and understanding business financials (both pre-loan and post-loan).

OLYMPUS DIGITAL CAMERACAP’s auto purchase program, Work-n-Wheels, started in 2009 in response to growing needs of low-income, working households for reliable transportation. Eligibility for the program limits household income to 150% of the federal poverty guideline. Loans are made up to $5,000. Cars purchased through the program may be modest but still provide increased dependability for those who need a reliable vehicle to keep their jobs.

CAfP is a certified Community Development Financial Institution.

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In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to: