About First Community Capital

Certified Community Development Financial Institution (CDFI) for Microlending and Technical Assistance

Our Mission

Our mission is to foster economic justice and opportunity by providing access to capital and technical assistance to economically disadvantage micro and rural businesses. Our emphasis is on those businesses owned by people of color including women, veterans, refugees, immigrants, and individuals impacted by the justice system.

First Community Capital help low- and moderate-income entrepreneurs who lack sufficient training and education to gain access to capital and thereby delivering long-term economic small businesses recovery and resiliency.

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.


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.

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.

Inland Empire Location

2060 Chicago Ave. A13

Riverside, CA 92507

Southwest Riverside County Location

26111 Ynez Rd. B30

Temecula, CA 92591

Los Angeles County Location

879 W 190th ST. Suite 435

Gardena, CA 90248

Team Members

T. Jay DialloPresident & CEO
Mosses O. AgoroBusiness Counselor
African Immigrants Liaison
Zeke GebrekidaneBusiness Counselor / Refugee Liaison
Frank MugambageCredit Analyst

Outsourced Partners

Jesus LiconaPublic Relations /Marketing
Raid AbdullahWebmaster & Support
Michael KleinFinance & CPA
Janet LicitraIT and Help Desk
Team Logic

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.
Michelle DeckerPresident and CEO, Inland Empire Community Foundation
Thomas H. GhormleyBroker and Owner
Century 21
Thomasina LawrenceCommunity Outreach
David B. HammondPrincipal & Owner
Investment Advisor
Hammond & associates
Luke StoneOwner, KGB Communication
James HobbsRetired Assistant Chief Police
James Hobbs and Associates
Ronald (Ron) T. VeraAttorney – Vera and Barbosa
Richard SuskindOwner and Retired Restaurateur

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

T. Jay DialloChairman, President & CEO
Mark DavisVice President-BDO-PM
Canyon Community Bank
Edward L. JohnsonBoard Member
CEO / Principal Consultant
JCH Management Group LLC
Kelly R. RivasMortgage Broker
Kelly Mortgage Center
Vincent McCoyVice President
Riverside County Black Chamber of Commerce
Karen SuarezDirector-Uplift San Bernadino
Making Hope Happen Foundation
Fatimoh MuhammedPresident & CEO – Wamufat International