Capital is the tool. Justice is the goal.
FCC was built on the belief that access to capital is not a privilege. It is a right. Our advocacy work extends beyond lending to challenge systemic barriers, support policy reform, and invest in the long-term economic health of underserved communities across California and
Every loan we make is an act of advocacy. Every client we serve is proof that when communities are given access and support, they transform.
Economic Justice
Challenging systemic barriers that prevent LMI, underserved, and rural communities from accessing fair financial services.
Voice & Visibility
Amplifying the stories and successes of entrepreneurs who have historically been overlooked by mainstream finance.
Ecosystem Building
Creating the infrastructure (programs, centers, partnerships) that sustains entrepreneurship in our communities long-term.
Community Partnership
Working with civic leaders, faith organizations, and community groups to ensure our work reaches those who need it most.
Numbers that tell the full story.
Cumulative impact data since 2022. Every number represents a life changed, a business launched, a family strengthened.
Client Demographics
Loan Product Mix
Geographic Reach
Real people. Real businesses. Real results.
FCC clients share what access to responsible capital and practical coaching made possible.
Juliet Ngozi
Glory Homecare Staffing Agency Los Angeles, CA
FCC paired affordable capital with business coaching so Glory Homecare Staffing Agency could launch, serve families across the Inland Empire, and build a growing team.
“FCC believed in my vision when no one else would.”
Amanda Morrow
The Flower Pot Café San Diego, CA
The Flower Pot Café used FCC financing and coaching to stabilize operations, hire staff, and grow into a neighborhood business serving its community.
“FCC gave me the runway I needed to survive and grow.”
Donald
Beastmode Entertainment Riverside, CA
Beastmode Entertainment used reentry microloan support to build a platform for music, videography, and community empowerment.
“FCC saw my future, not my past. That changed everything.”
Kismet Community
Community Mental Health Riverside, CA
FCC supported Kismet Community's mission-driven work providing community mental-health services to Riverside-area families.
“FCC understood our mission and moved fast when families needed us most.”
Dr. Boni Johnson
AFC Family Urgent Care Riverside, CA
Dr. Boni arrived from Zimbabwe with extensive medical experience and a mission to serve underserved populations. FCC financing funded equipment upgrades, expanded services, and new staff hires - making AFC Family Urgent Care a cornerstone of community health.
“Without First Community Capital, AFC Family Urgent Care would not exist today. FCC believed in our vision, and because of that, we now employ 12 full-time staff.”
Maxwell Kwame Setsoafia
Volta Med Group Jurupa Valley, CA
Maxwell founded Volta Med Group to bring quality healthcare to communities that face barriers to care. FCC stepped in through the SCALE initiative with flexible financing and hands-on technical assistance, helping Volta Med expand access and create eight new jobs.
“The support we received from First Community Capital went beyond funding. Their partnership and belief in our mission helped position us to continue growing.”
Martha Worku
Luxurient Café San Diego, CA
Martha paired an FCC microloan with the business strategy workshops that came alongside it, opening the coffee shop she had been planning for years and building it into a four-person team.
“FCC's microloan and business strategy workshops helped me open my dream coffee shop. They didn't just give me a loan. They gave me the tools to succeed.”
Three ways we fight for economic equity.
Policy & CDFI Engagement
We engage at the local, state, and federal level to advance policies that expand access to capital for underserved communities.
- CDFI sector leadership & peer collaboration
- State-level lending equity advocacy
- Federal CDFI Fund program participation
- Community Reinvestment Act awareness
- Data-driven policy testimony & reporting
Community Empowerment
We invest in the people, programs, and partnerships that build lasting economic health in communities across California.
- Youth entrepreneurship programs
- Workforce development partnerships
- Faith & civic community outreach
- Reentry & second-chance entrepreneur support
- Neighborhood economic development events
Storytelling & Visibility
We tell the stories that rarely get told, of entrepreneurs who defied the odds and communities that rose together.
- Client success story amplification
- Media & press partnership outreach
- Annual community impact reporting
- Social media & digital advocacy
- Community events & entrepreneur showcases
The Entrepreneurship Ecosystem Center
Our envisioned center will bring capital, coaching, innovation, youth programs, and community events under one roof, creating a permanent home for entrepreneurship in the heart of the communities we serve.
Entrepreneurship Ecosystem Center
A permanent home for capital, coaching, and community in California.
Stronger together, our advocacy network.
We don't work alone. FCC partners with organizations across sectors to extend our reach and deepen our community impact.
SBA
Small Business Administration referral partner for loan programs, grants, and federal contracting support.
SCORE
Volunteer mentor network connecting our clients to experienced business executives and advisors.
SBDC Network
Small Business Development Centers providing training, research, and consulting to our clients.
Westmont College
Healthcare education partner for the HSTEP Nursing Loan Program serving final-semester nursing students.
Civic Organizations
Local government, chambers of commerce, and civic leaders across Riverside and San Bernardino Counties.
Faith Communities
Church and faith organization partnerships that extend FCC's reach into the most underserved neighborhoods.
CFPB
Consumer Financial Protection Bureau resource partner for financial literacy and consumer education tools.
Community Organizations
Nonprofit, reentry, youth, and workforce development organizations serving our shared communities.
What we stand for.
Fair Access to Capital
We believe every entrepreneur (regardless of race, income, geography, or credit history) deserves a fair shot at affordable capital. We advocate for expanded CDFI funding, flexible underwriting standards, and policies that bring capital to where it's needed most.
Reinvestment in Underserved Areas
We support policies that direct private and public investment into LMI communities, including strengthened Community Reinvestment Act standards, CDFI tax credit programs, and state-level small business equity funds.
Youth Entrepreneurship Pipeline
We advocate for youth entrepreneurship education, workforce development funding, and reentry programs that give young people and second-chance borrowers a genuine path to economic independence.
Access to capital is not a privilege. It is the foundation of economic freedom, and every community deserves that foundation.
Join us in building stronger communities.
Whether you're an entrepreneur ready to apply, a community partner, or someone who wants to support our mission, there's a place for you at FCC.