Access to financial resources isn't a privilege – it's a right. We are a financial institution dedicated to empowering individuals and businesses in underserved communities helping turn dreams into realities.
Capital Access Institute
What We're Fighting For.
Financial Inclusion
Ensuring that everyone, regardless of their background or economic status, has access to the financial resources they need to build a prosperous future.
Economic Growth
Fueling the growth of small businesses and entrepreneurial ventures that drive job creation and economic development in local communities.
Income Equality
All persons deserve to earn livable wages and benefits with opportunities to build credit, acquire financing, develop assets, and create savings and other investments.
At Capital Access Institute, we believe access to financial resources shouldn’t be a privilege—it’s a right. Our mission? Breaking barriers, bridging gaps, and fueling the dreams of individuals and businesses in underserved communities.
We’re not just funding futures; we’re fostering lasting relationships and empowering people with the tools they need to thrive.
The Challenge:
The American Dream feels increasingly out of reach for many. Systemic challenges like racial and gender wage gaps, coupled with the ever-increasing cost of living, have made the American Dream increasingly out of reach for a significant portion of our society.
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White families typically have 10 times the wealth of Black families and 7 times that of Hispanic families, stemming from decades of discriminatory policies, redlining, and unequal access to education and employment opportunities.
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The homeownership rate for Black families is just 44%, compared to 74% for White families—a gap that has remained consistent since the 1960s, limiting generational wealth-building opportunities.
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Women earn approximately 82 cents for every dollar earned by men. For Latina women, this drops to 57 cents, and for Black women, 65 cents.
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LGBTQ+ individuals are nearly twice as likely to live in poverty compared to their heterosexual counterparts, with 22% reporting experiences of workplace discrimination.
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Black borrowers owe an average of $25,000 more in student loan debt than White borrowers four years after graduation, making it harder to build wealth or achieve financial stability.
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Only 19% of employer businesses are owned by women, and just 2% of venture capital funding goes to women entrepreneurs. For Black and Latino business owners, venture funding is less than 1%.
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A 2021 survey found that nearly 70% of Black and Latino households do not have enough emergency savings to cover three months of expenses, compared to 40% of White households.
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While some Asian American subgroups report higher average incomes, 28% of Southeast Asian households live below the poverty line, highlighting the diversity of challenges within the community.
The Capital Access Institute transformed my business. Their guidance helped me navigate funding complexities confidently. I highly recommend them for anyone seeking financial knowledge and capital access. Thank you for your support!
- Alex Young
Connecting to Your Financial Future
Economic equity is a cornerstone of achieving true racial equity. It’s not just about minorities participating in the economy as workers and consumers—it’s about ensuring they can thrive as small business owners, with equal access to resources and opportunities for success. Start your journey today by taking control of your credit and building a stronger financial future.