Partner Community Capital
Partner Community Capital is a U.S. Treasury-certified CDFI providing flexible business loans (microloans to large commercial financing) and advisory services to small businesses and nonprofits in underserved communities across a nine-state Central Appalachia and Southeast region.
- Company typePrivate
- Founded2000
- HeadquartersCharles Town, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Partner Community Capital does
Partner Community Capital (PCAP) is a U.S. Treasury-certified Community Development Financial Institution (CDFI) structured as a 501(c)(3) nonprofit, founded in 2000 as Natural Capital Investment Fund and headquartered in Charles Town, West Virginia. The organization provides flexible business loans ranging from $5,000 microloans to larger commercial financing, with interest rates of 7%-10% as of May 2024, a 1% origination fee, and no prepayment penalties. Loan products include real estate (up to 20 years), equipment (up to 10 years), and working capital (up to 5 years), and are accompanied by hands-on advisory services delivered through an in-house team. PCAP holds a distinctive stack of federal lender designations — SBA 7(a) Community Advantage, SBA 504, SBA Microloan (2026, West Virginia), and USDA Business & Industry, IRP, and RMAP — and was awarded a $40 million New Markets Tax Credit allocation in 2025, enabling it to finance transformative projects in economically distressed communities.
PCAP serves small businesses and nonprofits in Central Appalachia and the Southeast, with a current operating footprint spanning nine states: West Virginia, North Carolina, and the Appalachian regions of Maryland, Ohio, Kentucky, Tennessee, Virginia, South Carolina, and Georgia. Revenue is generated from loan interest, origination and closing fees, Community Impact Notes sold to accredited investors and family offices (minimum $25,000, terms up to 10 years), grant funding from government and foundation sources, and New Markets Tax Credit allocation. The organization manages over $60 million in capital and has cumulatively lent $100 million+ to 500+ borrowers, retaining or creating 7,000+ jobs. Distribution is primarily direct through a regional lending team structured by sub-state geography, augmented by co-lending, loan participation, and referral arrangements with traditional banks and federal program partners. The company separated from founding parent The Conservation Fund in 2022 and rebranded to Partner Community Capital in 2021.
Partner Community Capital firmographics
Firmographics- Name
- Partner Community Capital
- Legal name
- Partner Community Capital
- Website
- https://partnercap.org
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Partner Community Capital is a U.S. Treasury-certified CDFI providing flexible business loans (microloans to large commercial financing) and advisory services to small businesses and nonprofits in underserved communities across a nine-state Central Appalachia and Southeast region.
- Ownership category
- akta.pro rank
Partner Community Capital industry classification
Industry- Product category
- Community Development Lending (CDFI)
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Impact Investing & Social Finance (Funds, CDFIs, Microfinance) (BPAGALAA)
- akta.pro secondary industry
- Microfinance & Community P2P Lending (FSAKAHAD)
Keywords
Where Partner Community Capital is headquartered
LocationHeadquarters
- HQ city
- Charles Town
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Partner Community Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Loan Interest Income: PCAP generates primary revenue through interest on business loans ranging from $5,000 microloans to larger commercial financing. Interest rates as of May 2024 range from 7%-10%, with loan types including real estate (up to 20 years), equipment (up to 10 years), and working capital (up to 5 years).
- Loan Origination Fees: PCAP charges a 1% origination fee on loan amounts, with a portion due upon signing the commitment letter. Borrowers also pay all loan closing costs including filing fees, attorney's fees, environmental due diligence, and multiple disbursement fees.
- Community Impact Notes: Individual impact investors and family offices invest via Community Impact Notes offered to accredited investors as unsecured senior debt. Proceeds are used entirely for lending to PCAP borrowers. Notes carry terms up to 10 years, with semi-annual interest payments and minimum investment of $25,000.
- Grant Funding: PCAP receives grant funding from government agencies, foundations, and corporations. Recent grants include $362,000 USDA Farmer's Market Promotion Program award and $10 million lead grant from Dogwood Health Trust for Western North Carolina Small Business Initiative.
- New Markets Tax Credit Program: PCAP is a New Markets Tax Credit (NMTC) allocatee awarded $40 million in 2025, enabling the organization to attract private investment into economically distressed communities by financing high-impact projects.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Microloans starting at $5,000 |
| Subscription | Monthly | Standard business loans starting at $25,000 |
| Other | Multi-year contract | Community Impact Notes for accredited investors |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Partner Community Capital product offering
Product offeringCore offering
Partner Community Capital (PCAP) is a U.S. Treasury-certified Community Development Financial Institution (CDFI) that provides flexible business loans ranging from $5,000 microloans to larger commercial financing, along with strategic advisory services. Loans support real estate (up to 20 years), equipment (up to 10 years), and working capital (up to 5 years) needs of small businesses and nonprofits in Central Appalachia and the Southeast, integrating human, financial, and natural capital evaluation.
Differentiator
Problem solved
Functional benefit
Products and services
- Microloans
- Standard Business Loans
- New Markets Tax Credit (NMTC) Financing
- Community Impact Notes
- Business Advisory Services
- WV Women's Business Center
- SBA 7(a) Community Advantage Loans
- USDA Guarantee Program Loans
Quantifiable outcome
- $100 million+ lent to 500+ businesses and nonprofits since 2000
- +5 more outcomes
Companies that use Partner Community Capital
Customer profileNamed customers14 records
Segments5 records
Ideal customer profiles5 records
Partner Community Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Partner Community Capital partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core, historical/founding and supporting.
- Appalachian Community Capital (ACC)coreACC leads the Western North Carolina Small Business Initiative (WNCSBI), with PCAP serving as a partner in providing relief grants to eligible small businesses impacted by Hurricane Helene.
- The Conservation Fundhistorical/foundingPCAP was founded in 2000 as a supporting organization to The Conservation Fund, which has a dual mission of advancing conservation that makes economic sense. PCAP separated from The Conservation Fund in 2022 and operates as an independent 501(c)3 organization.
- Appalachian Regional Commissionhistorical/foundingARC helped identify the initial need for access to capital for small businesses and farms in rural communities adjacent to rich natural resources, which led to PCAP's founding in 2000.
- 84 AgencysupportingCharleston-based marketing agency that collaborated with PCAP's West Virginia Recreational Economies Initiative (WV REI) to design and facilitate a two-day branding and marketing summit for outdoor entrepreneurs.
- WVU Launch LabsupportingWVU Launch Lab participated in PCAP's WV REI business retreat, providing programming on topics including brand voice, message clarity, AI tools, and DIY content tips.
Scale indicators9 records
Recent moves12 records
Expansion highlights6 records
Partner Community Capital competitors and assessment
Company assessmentDirect peers
- Appalachian Community Capital: CDFI loan fund serving Appalachian small businesses, working directly with PCAP on the Western NC Small Business Initiative and Hurricane Helene relief. Highly comparable mission, structure, and geography.
- Reinvestment Fund: CDFI focused on financing projects in disinvested communities, partnered with PCAP on the St. Gerard House $21M autism services facility. Similar project-finance, NMTC, and community development lending model.
- Self-Help Credit Union: North Carolina-headquartered CDFI and credit union providing responsible financing to underserved borrowers. Overlaps with PCAP on small business lending and impact investing in NC and the Southeast.
- Carolina Small Business Development Fund: CDFI providing loans and advisory services to small businesses across North Carolina. Direct peer in mission, geographic overlap, and lending-plus-advisory model.
- Mountain BizWorks: CDFI serving small businesses in western North Carolina and Appalachia, with integrated business coaching. Closely comparable to PCAP in geography, target borrower profile, and combined lending/advisory approach.
- The Progress Fund: Pennsylvania-based CDFI focused on rural and distressed communities, with emphasis on outdoor recreation and rural entrepreneurship. Highly comparable target market and impact-oriented lending model.
- Coastal Enterprises Inc (CEI): Maine-based CDFI providing capital and advisory services to small businesses and underserved communities. Comparable integrated CDFI model with NMTC allocations and SBA/USDA program participation.
- Community Ventures: Kentucky-based CDFI providing small business loans and support services to underserved entrepreneurs in Appalachia and the Southeast. Highly comparable in target market, lending products, and integrated advisory services.
Others
- Opportunity Finance Network: National CDFI industry association and capital intermediary that channels investment to community development lenders including PCAP. Comparable ecosystem role rather than direct lending overlap.
- The Conservation Fund: PCAP's founding parent organization from 2000 to 2022, focused on conservation that makes economic sense. Mission-adjacent and historically connected, though no longer a parent entity.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Partner Community Capital social profiles
Digital presencePartner Community Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Partner Community Capital leadership team
Management profileNumber of profiles
Profiles14 records
Partner Community Capital funding detail
Funding detailFunding overview
Funding rounds4 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Partner Community Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Partner Community Capital
What does Partner Community Capital do?
Partner Community Capital (PCAP) is a U.S. Treasury-certified Community Development Financial Institution (CDFI) that provides flexible business loans ranging from $5,000 microloans to larger commercial financing, along with strategic advisory services. Loans support real estate (up to 20 years), equipment (up to 10 years), and working capital (up to 5 years) needs of small businesses and nonprofits in Central Appalachia and the Southeast, integrating human, financial, and natural capital evaluation.
Is Partner Community Capital a public or private company?
Partner Community Capital is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Partner Community Capital founded?
Partner Community Capital was founded in 2000. It employs 11 to 50 people.
Where is Partner Community Capital based?
Partner Community Capital is headquartered in Charles Town, United States, in the North America region.
How does Partner Community Capital make money?
Five revenue lines are on record. Loan Interest Income is the primary driver. The others are loan Origination Fees, community Impact Notes, grant Funding and new Markets Tax Credit Program.
Who are Partner Community Capital's main competitors?
Direct peers on record are Appalachian Community Capital, Reinvestment Fund, Self-Help Credit Union, Carolina Small Business Development Fund, Mountain BizWorks, The Progress Fund, Coastal Enterprises Inc (CEI) and Community Ventures. Others are Opportunity Finance Network and The Conservation Fund.
Does Partner Community Capital have an API?
No public API is recorded for Partner Community Capital.
What industry is Partner Community Capital in?
Partner Community Capital's product category is Community Development Lending (CDFI). Its primary akta.pro industry code is BPAGALAA, Impact Investing & Social Finance (Funds, CDFIs, Microfinance), with a secondary code of FSAKAHAD, Microfinance & Community P2P Lending. Its NAICS code is 5222 and its SIC code is 6159.