California Capital

What California Capital does

California Capital is a Sacramento-based Community Development Financial Institution (CDFI) founded in 1982 that provides capital and capacity-building programs to underserved small businesses and community organizations in the greater Sacramento region. As a federally certified CDFI, it is eligible for and has historically received awards from the U.S. Treasury's CDFI Fund and the Federal Home Loan Bank of San Francisco, and it has also attracted institutional capital from regional banks including Columbia Bank and Umpqua Bank. The organization operates as a non-profit with a staff of 11-50 employees, suggesting a small institutional footprint centered on program deployment rather than scale-driven lending.

The company's product surface is not described in detail in the available sources, but its stated mission points to two core activities: deploying capital (likely a mix of loans, loan guarantees, and equity-equivalent investments) to borrowers that mainstream lenders underserve, and delivering capacity-building services (technical assistance, training, or advisory support) that improve the creditworthiness and sustainability of those borrowers. Capital deployment is funded through a combination of federal CDFI grants, Bank Enterprise Awards, and bank-partner capital, with revenue mechanics tied to net interest income on loans, program-related fees, and grant pass-through funding typical of CDFIs of this size.

Leadership consists of Chairman Drue Brown and President and CEO Deborah Lowe Muramoto. The company website (cacapital.org) was not accessible during data collection due to a CAPTCHA/verification block, so the description above is necessarily constrained by publicly disclosed profile data and the limited funding and leadership signals available.

Name

California Capital

Website

https://cacapital.org

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

California Capital is a Sacramento-based non-profit CDFI, founded in 1982, that provides capital and capacity-building programs to underserved small businesses and community organizations in the greater Sacramento region.

Ownership category

akta.pro rank

Product category

Community Development Finance

NAICS

Grantmaking and Giving Services (81321)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Impact Investing & Social Finance (Funds, CDFIs, Microfinance) (BPAGALAA)

akta.pro secondary industry

National/Regional Development Finance Institutions (DFIs) (FSABAKAB)

Keywords

• Community development lending
• Small business financing
• Capacity building programs
• Economic development funding
• CDFI financial services

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Core offering

California Capital is a Community Development Financial Institution (CDFI) based in Sacramento that deploys capital to underserved small businesses and community organizations and delivers capacity-building programs to strengthen those borrowers. Operating as a nonprofit since 1982, it channels CDFI Fund awards and bank-partner financing into community development lending and advisory services for the Sacramento region.

Differentiator

Problem solved

Functional benefit

Products and services

• Community Development Lending Affordable loan capital deployed by California Capital to underserved small businesses, nonprofits, and community organizations in the Sacramento region, funded in part through CDFI Fund awards and partner-bank capital.
• Capacity Building Programs Advisory and capacity-building services delivered alongside capital to help small businesses and community-based organizations in the Sacramento region build operational, financial, and managerial strength.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights3 records

Direct peers

• Accion Opportunity Fund: Community development financial institution providing small business loans and advisory services to underserved entrepreneurs, with a similar capital-plus-capacity model and CDFI certification comparable to California Capital.
• Self-Help Federal Credit Union: Mission-driven CDFI and credit union offering responsible lending, home finance, and small business support to low-income and underserved communities, sharing California Capital's focus on community development finance.
• Coastal Enterprises Inc (CEI): Nonprofit CDFI that finances and supports small businesses, social enterprises, and community facilities, providing both capital and capacity-building services closely analogous to California Capital's model.
• Reinvestment Fund: National CDFI that combines flexible financing with data-driven advisory to strengthen underserved communities; comparable in mission and programmatic structure to California Capital.
• Capital Impact Partners: National nonprofit CDFI providing capital and capacity-building to communities of color and underinvested areas, mirroring California Capital's capital-plus-advisory offering at slightly larger scale.

Broad incumbents

• Local Initiatives Support Corporation (LISC): Large national community development intermediary deploying capital, capacity, and policy support to local CDFIs and CDCs; California Capital operates in a comparable ecosystem, often as a local implementation partner for LISC programs.
• Enterprise Community Partners: National nonprofit combining financing, policy, and capacity-building for affordable housing and community development; comparable mission and toolset, though Enterprise is significantly larger and more diversified.

Regional players

• Craft3: Regional CDFI serving Oregon and Washington with small business, nonprofit, and clean-energy lending plus capacity-building; structurally similar to California Capital but operating in a different geography.

Others

• Federal Home Loan Bank of San Francisco: Government-sponsored enterprise providing grants and affordable housing/development advances through member financial institutions; California Capital is a documented funding recipient, making FHLB SF a key ecosystem counterparty.
• CDFI Fund (U.S. Treasury): Federal agency within the U.S. Treasury that certifies CDFIs and administers financial awards and training programs; California Capital is a confirmed grantee, making this a defining ecosystem relationship rather than a competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

• Xx.com/cacapitalfdc
• LinkedInlinkedin.com/company/california-capital-fdc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about California Capital