If you’re a Black business owner—whether you’re a startup or a long-time entrepreneur—you know that getting the money you need to operate and grow your business is critical to success. That’s why Bank of America and Seneca Women created this Access to Capital Directory. It puts at your fingertips hundreds of organizations providing funding for Black-owned businesses across the U.S.
A good place to start is to learn how to use this Directory and to learn more about the types of capital included by visiting the About page. You can also start your search using the Search Tool below.
Search Tool
100 Black Angels & Allies Fund I
The mission of 100 Black Angels & Allies Fund I is to align smart, affluent, innovative and skilled Black and ally capital to build a scalable and sustainable Black technology, startup entrepreneurship and venture ecosystem that powers a global diasporic engine and platform.100 Black Angels & Allies Fund I
Location | Powell, Ohio |
Type of Capital | Equity |
Type of Fund | Angel |
Stage of Capital | Early Stage |
Focus Area | Black FoundersEnterpriseScalable Ecosystem |
The mission of 100 Black Angels & Allies Fund I is to align smart, affluent, innovative and skilled Black and ally capital to build a scalable and sustainable Black technology, startup entrepreneurship and venture ecosystem that powers a global diasporic engine and platform to ensure that Black people everywhere are equitably represented at all levels in the future of work, startup ecosystem and forthcoming 4th Industrial Revolution as a definitive path to decreasing income inequality and the racial wealth gap. This is the path to shared prosperity and multi-generational wealth creation with no reliance on pre-existing multi-generational wealth. We are looking for high-growth, enterprise-focused early-stage companies, scalable ecosystem building companies, and venture funds with Black general partners.
https://blackangels.co/about/ https://blackangels.co/contact/1843 Capital
1843 Capital is an early stage venture capital fund focused on Series A technology investments. Companies of interest must demonstrate a cohesive team, product, market fit and a clearly defined competitive advantage.1843 Capital
Location | Greenwich, Connecticut |
Type of Capital | Equity |
Type of Fund | Venture Capital |
Stage of Capital | Series A |
Focus Area | Diverse FoundersTechnologyWomen Founders |
1843 Capital was created in 2016 as an early stage venture capital firm with a difference. We are managed differently; our executive team are women. We invest differently; we value diverse founders and board members. We engage differently; with capital, counsel and connectivity. Our values: Integrity: we approach every interaction and challenge with a strict adherence to a moral code. Diversity: we value diversity of thought, geography, gender and race. Distinction: we treat each investment with honor, special favor and superior attention.
1843 Capital was named for the year Ada Byron Lovelace is credited with writing the first computer program. As the only legitimate daughter of poet Lord Byron, Ada found poetry in numbers and is credited with recognizing the full potential of Charles Babbage’s analytical engine. At 1843 Capital we wonder: “what would have happened if Ada was funded.”
https://1843capital.com/ [email protected]1863 Ventures
The 1863 Venture Fund I believes that by providing appropriately aligned capital to New Majority entrepreneurs, we can support individual, enterprise, and community wealth creation. The Fund leverages funding and active engagement to drive revenue and job creation.
1863 Ventures
Location | Washington, District Of Columbia |
Type of Capital | Equity |
Type of Fund | Public Welfare Investment Fund |
Stage of Capital | Pre-Seed, Seed |
Max Capital | $1,000,000 |
Focus Area | B2BBlack / African AmericanFinTech & PaymentsFood & AgricultureGeneral Technology & Tech-EnabledHispanic / Latino |
The 1863 Venture Fund I believes that by providing appropriately aligned capital to New Majority entrepreneurs, we can support individual, enterprise, and community wealth creation. To achieve this, the Fund leverages equity-like and revenue-based financing vehicles to expand access for New Majority entrepreneurs to a coherent and accessible investment continuum.
The 1863 Venture Fund I is committed to growth-oriented companies that lack access to traditional capital sources and desire an alternative to predatory debt financing. We are sector agnostic in our investments focusing on early-stage investments. Our check sizes range from $50k to $300k, and we provide highly engaged portfolio management support to our portfolio.
https://www.1863ventures.net/why-1863 [email protected]




2045 ventures
2045 ventures invests in pre-seed and seed stage startups led by immigrant, female, or underrepresented founders. Generalist: we focus on early-stage Climate-tech, Health-tech, and Fin-tech




2045 ventures
Location | Los Angeles, California |
Type of Capital | Equity |
Type of Fund | Venture Capital |
Stage of Capital | Pre-Seed, Seed |
Max Capital | $500,000 |
Focus Area | Asian / Pacific IslanderB2B ServicesBlack / African AmericanEnvironmental SustainabilityFinTech & PaymentsFuture of Work / LivingGeneral Technology & Tech-EnabledHealth / Fitness / Well-Being / SafetyHealthcare & WellnessHispanic / LatinoMinority / DiverseNative AmericanOperations & CommerceSustainability / EnvironmentTech / Digital / ScienceWomen |
2045 ventures’ thesis is backed by data that shows that diverse founding teams return more capital to investors. Tech industry leadership positions us to find high-potential startups and connect them to resources. We draw on our experience investing in companies that have raised over $500 million from top investors.
Objective: we back startups led by immigrant, female, or underrepresented founders
Generalist: we focus on early-stage Climate-tech, Health-tech, and Fin-tech





3CORE
3CORE is a private, nonprofit corporation that works as the economic development planning and coordinating agency for California's Tri-County region, composed of Butte, Glenn and Tehama counties and the nine member cities located therein. We will help you secure your next small business loan.






3CORE
Location | Chico, California |
Type of Capital | Loan |
Type of Fund | CDFI |
Max Capital | $250,000 |
Focus Area | California-BasedDisaster-AffectedMinority FoundersMinority-LedSmall Business |
3CORE is a private, nonprofit corporation that works as the economic development planning and coordinating agency for California’s Tri-County region, composed of Butte, Glenn and Tehama counties and the nine member cities located therein. We will help you secure your next small business loan. Our mission is to cultivate healthy businesses, because people matter.
3CORE manages multiple revolving loan funds to meet local financing needs. 3CORE loan proceeds may be used for any of the following: Working capital, purchasing land, buildings or existing businesses, purchasing furniture, fixtures, machinery and equipment, business expansions or startups, leasehold improvements and lines of credit. 3CORE typically finances loans between $25,000 and $250,000. However, we will consider requests outside this range under certain circumstances. Loan terms are generally between three and seven years. Loan terms for purchasing land, buildings or businesses may be up to 15 years. Interest rates range between 6 and 10 percent dependent on market conditions. Most loan terms feature a fixed interest rate.
3CORE also has a Small Business Disaster Interruption Loan Program. This is not designed to compete with SBA Disaster Loan Programs, but will compliment those programs by filling potential lending gaps. Program includes business working capital loans in an amount between $10,000 and $100,000, depending on each business’s individual needs. Larger loan requests with alternate rates and terms may also be considered.
By listening intently and tailoring assistance to each specific business’ need, the Tri Counties Bank/3CORE Minority Owned Business Campaign will create a support network. Through mentorship, customized technical assistance engagements and strategic financial assistance, this program will ensure business growth and long-term success.
https://3coreedc.org/loan-program/ [email protected]






500 Startups Global Flagship Fund
Based out of San Francisco, our global flagship funds include a series of five funds that invest across regions and industries. Created in 2010, the first flagship fund was our first fund ever that helped us start the SF-based accelerator program that we are still known for to this day.500 Startups Global Flagship Fund
Location | San Francisco, California |
Type of Capital | Equity |
Type of Fund | Venture Capital |
Stage of Capital | Pre-Seed, Seed |
Focus Area | Diverse FoundersE-CommerceEducationESGIndustrialMarketingMediaReal EstateRetailSmart CitiesSustainabilityTechnologyTransportation |
Our global flagship funds are the original series of funds that helped start it all. Our strategy has been to operate as an active and global early-stage investor. Once invested, we provide a network of mentors to founders that focus on growth marketing and digital distribution—intended to take their early traction metrics and improve them for subsequent financings and increase in valuation.
In order to generate high-volume deal flow, provide structured portfolio support, and build a strong brand in the startup world, we established our Seed Accelerator program. Over the past decade, we have refined our strategies and continue to invest across the globe in the world’s most promising founders.
https://500.co/645 Ventures
We are an institution founded and led by African-Americans who celebrate diversity and equal opportunity. We invest across different markets and remain open to a variety of new businesses.645 Ventures
Location | New York, New York |
Type of Capital | Equity |
Type of Fund | Venture Capital |
Stage of Capital | Seed, Series A |
Focus Area | Citizen ProfessionalsEngineering Value ChainPersonalized Consumer ApplicationsSaaS |
We are an institution founded and led by African-Americans who celebrate diversity and equal opportunity. While we invest across different markets and remain open to a variety of new businesses, we are currently excited about the following themes: applications of personalized consumer, SaaS for the second wave, the engineering value claim revolution, and the rise of citizen professionals. As a firm, one of our key long-term focuses over the years has also been supporting broad change in the education, mentorship and training of young people, particularly African-American kids.
https://645ventures.com/themes/ [email protected]Access Plus Capital (formerly Fresno Community Development Financial Institution)
Start up, strengthen or expand. No matter what your business goals are, Access Plus Capital is here to help you reach them.






Access Plus Capital (formerly Fresno Community Development Financial Institution)
Location | Bakersfield, California, Fresno, California, Modesto, California |
Type of Capital | Loan |
Type of Fund | CDFI |
Stage of Capital | Early Stage, Late Stage |
Max Capital | $500,000 |
Focus Area | California-BasedUnderserved Populations |
Start up, strengthen or expand. No matter what your business goals are, Access Plus Capital is here to help you reach them. We want for you and your business to succeed. We know that starting a business or growing an existing one is a risky step, but we strongly believe that taking that step is an essential part of any business’ life cycle. Here at Access Plus Capital, we help assist with the biggest part—funding. Headquartered in Fresno and Central California focused.
Eligibility requirements: Credit check and 1:1 collateral. Short on collateral? We have government guarantee programs. Loan uses include startup, equipment purchase, working capital, building improvements, and inventory purchase.
https://www.accesspluscapital.com/loans/ [email protected]






Accessity
Accessity's mission is to open doors of financial opportunity for entrepreneurs, particularly people of color, women, and immigrants. By providing educational support and term loans from $300 to $100,000, it helps entrepreneurs start or grow their small businesses.






Accessity
Location | San Diego, California |
Type of Capital | Loan |
Type of Fund | CDFI |
Stage of Capital | Later Stage, Seed |
Max Capital | $100,000 |
Focus Area | AAPI FoundersBlack FoundersLatinX FoundersSouthern California-BasedStartupWomen Founders |
Accessity is an independent, 501(c)(3) nonprofit Community Development Financial Institution founded in 1994 that provides economic opportunity to entrepreneurs through access to small business loans from $300 to $100,000 and a community of support and resources in Southern California. Accessity’s mission is to open doors of financial opportunity to those with historically less access to capital and business support: entrepreneurs of color, women, immigrants, and low- to moderate-income entrepreneurs, so they can build prosperous businesses and livelihoods for themselves and their families, while also strengthening communities. For more information, visit accessity.org.
https://accessity.my.site.com/prequalify/CommunitiesCustomRegistration [email protected]






Accion Opportunity Fund (formerly Opportunity Fund)
Accion Opportunity Fund is a financial support system for small businesses that advances racial, gender, and economic justice for all.






Accion Opportunity Fund (formerly Opportunity Fund)
Location | Los Angeles, California, San Jose, California |
Type of Capital | Loan |
Type of Fund | CDFI |
Max Capital | $100,000 |
Focus Area | Immigrant FoundersPOC FoundersSmall BusinessWomen Founders |
Small business owners uplift communities and anchor local economies, while creating opportunities for themselves, their families, their employees, and our neighborhoods. Yet entrepreneurs who are people of color, women, and immigrants often struggle to secure capital and resources, as they are systematically shut out from traditional financing. In 2020, Accion Opportunity Fund was formed as Accion U.S. Network and Opportunity Fund came together. Together, we fight for an inclusive and accessible financial system so small business owners of all identities can thrive.
At Accion Opportunity Fund we work closely with small business owners to provide them with fairly priced loans, educational resources, coaching, and support networks in English and Spanish. Opportunity Fund still remains the lending arm of Accion Opportunity Fund. Serves 45 states.
https://www.aofund.org/ [email protected]






Featured Sources of Capital
2045 ventures
Venture Capital
Pre-Seed, Seed • $500,000
2045 ventures invests in pre-seed and seed stage startups led by immigrant, female, or underrepresented founders. Generalist: we focus on early-stage Climate-tech, Health-tech, and Fin-tech





2045 ventures
Location | Los Angeles, California |
Type of Capital | Equity |
Type of Fund | Venture Capital |
Stage of Capital | Pre-Seed, Seed |
Max Capital | $500,000 |
Focus Area | Asian / Pacific IslanderB2B ServicesBlack / African AmericanEnvironmental SustainabilityFinTech & PaymentsFuture of Work / LivingGeneral Technology & Tech-EnabledHealth / Fitness / Well-Being / SafetyHealthcare & WellnessHispanic / LatinoMinority / DiverseNative AmericanOperations & CommerceSustainability / EnvironmentTech / Digital / ScienceWomen |





Allies for Community Business
CDFI
Early Stage, Growth Stage, Late Stage • $100,000
Our mission is to provide the capital, coaching, and connections entrepreneurs need to grow great businesses that create jobs and wealth in their communities. As a nonprofit located on Chicago’s West Side, A4CB prioritizes Black, Hispanic/Latinx, women, and low-income entrepreneurs throughout the Chicagoland area and beyond.







Allies for Community Business
Location | Chicago, Illinois |
Type of Capital | Loan |
Type of Fund | CDFI |
Stage of Capital | Early Stage, Growth Stage, Late Stage |
Max Capital | $100,000 |
Focus Area | Black FoundersIllinois-BasedIndiana-BasedLatino FoundersLow-Income Founders |







Next Wave Impact
Angel, Venture Capital
Early Stage
Next Wave is a movement driving impact, diversity and inclusion in early stage investing and the entrepreneurial ecosystem.
Next Wave Impact
Location | Denver, Colorado |
Type of Capital | Equity |
Type of Fund | Angel, Venture Capital |
Stage of Capital | Early Stage |
Focus Area | AgricultureCleanTechEducationFintechFoodHealthPOC Women-LedSustainabilityWomen-Led |
Black Business Investment Fund
CDFI
$500,000
BBIF is a nonprofit Community Development Financial Institution (CDFI). We are a mission-driven organization which helps Black, minority and underserved small businesses thrive by providing loan capital alongside business development training.







Black Business Investment Fund
Location | Orlando, Florida |
Type of Capital | Loan |
Type of Fund | CDFI |
Max Capital | $500,000 |
Focus Area | Black FoundersFlorida-BasedMinority FoundersSmall BusinessUnderserved Founders |







Grit Ventures
Venture Capital
Pre-Seed, Seed • $1,000,000
Grit Ventures is a pre-seed investor in Deep Technology in mature and emerging hubs in the US. We source innovation from the nation’s top labs, lead rounds and focus on go-to-market strategy. We invest in industrial automation, logistics, sustainability and communications.





Grit Ventures
Location | Palo Alto, California |
Type of Capital | Equity |
Type of Fund | Venture Capital |
Stage of Capital | Pre-Seed, Seed |
Max Capital | $1,000,000 |
Focus Area | Asian / Pacific IslanderBlack / African AmericanEnvironmental SustainabilityFood / BeverageFood & AgricultureGeneral Tech- and Tech-EnabledHispanic / LatinoMinority / DiverseNative AmericanSustainability / Environment |





EnrichHER
Loan Fund
$250,000
EnrichHER connects pre-qualified companies led by women and founders of color to capital, coaching, and community so they can take their businesses to new heights.
EnrichHER
Location | Atlanta, Georgia |
Type of Capital | Loan |
Type of Fund | Loan Fund |
Max Capital | $250,000 |
Focus Area | POC FoundersWomen Founders |
News


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Resources


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U.S. Small Business Administration Loans
An SBA loan from Bank of America offers easier qualifications and lower down payments than most standard loans.


CDFI Ambassadors
Get Help Navigating the World of CDFIs
CDFIs are financial institutions that have a primary mission of community development and provide credit and financial services to underserved populations. Bank of America’s CDFI Ambassadors help cultivate partnerships and educate borrowers.