As a mission-driven Community Development Financial Institution (CDFI), AltCap can often overcome traditional lending constraints. We’ll work to understand your needs and create solutions to help you grow your business.
AltCap also provides Business Support Services to help your business become loan-ready.

Yes. We lend capital to small businesses regardless of their industry, size, or stage of growth. Owners of startups will be asked to provide a business plan, financial projections, and other documentation in lieu of historical financial statements.

No, AltCap is not a bank. We are a nonprofit, Community Development Financial Institution (CDFI) dedicated to helping entrepreneurs access the capital they need to grow. While we don’t offer checking accounts or consumer banking products, we work with other local CDFIs and banking partners who can support your broader financial goals.
Visit the KC CDFI Coalition or speak to your Business Development Officer to learn more.

AltCap and its affiliate, AltCap California, serve entrepreneurs in California, Colorado, Kansas, Missouri, Nebraska and Texas.

Yes. We understand that your business has unique needs, and while you work hard to be resourceful, challenges can arise. Our team will work with you to assess your ability to take on new debt and the collateral available to support your needs.

AltCap can provide entrepreneurs $1,000 to $350,000 in debt capital to launch, operate or grow their small businesses. Proceeds may be used to fund equipment, marketing, payroll, services, capital expenses, and more. The amount you can borrow will depend on your capital needs and your ability to cover the debt service. 

Collateral is not always required of our borrowers but providing collateral may help you access better loan terms. Discuss your collateral options with your Business Development Officer. UCC’s are required for all business loans.

No. AltCap does not require a minimum credit score for most products. We work with you to understand the circumstances of your credit and evaluate it alongside your financials, management abilities, and growth potential.

Our goal is to provide capital as efficiently as possible. The funding timeline for each loan varies and is unique to the entrepreneur’s financial situation and funding needs. Having your documents ready, responding promptly, and maintaining clear communication all help keep the process moving efficiently.

In addition to accessible capital, AltCap provides Business Support Services to help your business become loan-ready. Through our growing network of local and national partners, we connect you with the tools and knowledge you need to succeed.

Go to www.altcap.org/contact to reach us.