About First Community Capital

As an economic development corporation, First Community Capital offers microloans, small business loans, as well as training and technical assistance to underserved micro-enterprises and small businesses in Southern California.
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Our Mission

Our mission is to foster economic justice and opportunity by providing access to capital and resources to underserved entrepreneurs in Southern California.

First Community Capital believes providing equitable access to capital and other financial services can make it possible for low-income entrepreneurs to be able to start or grow their business. We often lend to borrowers that may not meet mainstream institutions underwriting criteria, helping to bridge the gap between conventional lending standards and the needs of hard-to-reach borrowers.

Our Mission

To promote economic opportunities and financial well-being for underserved populations and distressed communities, including rural areas, through access to innovative microloans and small business lending, as well as the provision of technical assistance and training to unbanked or underbanked entrepreneurs, located in low- and - moderate-income census tracks throughout California & Arizona.

First Community Capital believes providing equitable access to capital and other financial services can make it possible for low-income entrepreneurs to be able to start or grow their business. We often lend to borrowers that may not meet mainstream institutions underwriting criteria, helping to bridge the gap between conventional lending standards and the needs of hard-to-reach borrowers.

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Our History

Established in 2019 as an economic development nonprofit agency, First Community Capital has already made significant contributions in helping entrepreneurs to start and grow their small businesses. In leveraging our network of bankers, community development organizations and leaders, we have provided training, seminars, and workshops to about 200 small business entrepreneurs. We strongly believe that with each business financed and each job created and or retained, it represents a critical step in the transformation of a life, a family, and a community.
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Our Target Market

We address the unmet credit needs and much-needed technical assistance and training in low-income, distressed communities, and rural areas in California and Arizona.

MAP of the Counties

Southern California Market

Headquarters Office

11801 Pierce St. Suite 200

Riverside, CA 92505

Phone: (951) 249-5767

Riverside County

26111 Ynez Road #B30

Temecula. CA 92591

(951) 296-6181

Los Angeles County

879 W 190th St. Suite 425

Gardena, CA 90248

(951) 249-5767

Team Members

T. Jay DialloPresident & CEO
Mosses O. AgoroBDO & Business Counselor
Raid AbdullahIT and Help Desk
Bernadette AlvaradoOffice Administration
Zeke GebrekidaneBDO & Business Counselor
Pius J. MalsomMarketing
Thomasina LawrenceCommunity Outreach

Our Executive Loan Review Committee

The Executive Loan Review Committee (ELRC) will be delegated to the authority of the full Board to make lending decisions. The purpose of the ELRC is to oversee the Loan Fund program operations by reviewing, selecting, and approving loan applications, and establishing all policies for the Loan Fund.
T. Jay DialloPresident & CEO – First Community Capital
Fatimoh MuhammedPresident & CEO – Wamufat International
David TrejoAccounting - Vista Unified School District

Our Advisory Committee

Our Advisory Committee members play a pivotal role in the operation and management of our loan fund and technical assistance program. Comprised of individuals and executives who are leaders in their respective fields of profession, the Advisory Committee brings unique set skills and experience to help further the mission of the organization.
Dave HammondOwner, Hammond & Associates
Mark DavisVP / BDO/PM
Canyon Community Bank
Reginal (Reggie) KingExecutive Vice President, Global Capital
Thomas B. GhormleyReal Estate Agent/Broker, Century 21
Michelle DeckerPresident and CEO, Inland Empire Community Foundation
Luke StoneOwner, KGB Communication
Henry Marquis, Esq.Project Attorney, United Lex Corporation
Ronald (Ron) T. VeraAttorney – Vera and Barbosa

Our Board of Directors

First Community Capital is a nonprofit 501(c)3 organization governed by an independent board of directors. The board provides fiduciary and organizational oversight, ensuring we achieve our mission of growing businesses and strengthening our underserved communities in California and Arizona. Additionally, our Directors are responsible for approving all lending policies and procedures as well as reviewing the financial and programmatic performance of the agency.

Board of Directors

Edward L. JohnsonBoard Member
CEO / Principal Consultant
JCH Management Group LLC
Fatimoh MuhammedSecretary
President – Wamufat International
David TrejoTreasurer
Accounting – Vista Unified School District, CA
Vincent McCoyBoard Member
President - Luvicent, Inc