AmPac Business Capital

What AmPac Business Capital does

AmPac Business Capital is a 501c3 nonprofit organization founded in 2005 by Hilda Kennedy and headquartered in Ontario, California. It is both an SBA Certified Development Company (CDC) and a U.S. Treasury-certified Community Development Financial Institution (CDFI), and was the first faith-based SBA 504 lender in the nation. The company originates SBA 504 loans for owner-occupied commercial real estate and fixed equipment (up to 90% LTV with 10/20/25-year fixed-rate terms), SBA 7(a) Community Advantage loans up to $350,000, SBA Microloans up to $50,000 at a 7% fixed rate, and community lending programs including the Down Payment Assistance Program for Black, Latino, and women-led businesses, Riverside County BizBoost, and the Fontana EmPOWERment Fund. AmPac serves underserved small businesses across California, Arizona, and Nevada (the 'C.A.N.' footprint), operating from offices in Ontario, Sacramento, San Bernardino, and Palm Desert.

Revenue is generated primarily through a 1.5% origination fee on the SBA debenture portion, SBA guarantee fees, and net interest income on retained second-mortgage servicing rights, with bank partners providing the first-mortgage piece on 504 transactions. Distribution combines direct loan officers, a bank partner network (Flagstar, Banc of California, Chase, JP Morgan, Wells Fargo, Bank of America, Cathay Bank, City National, Pacific Premier, Comerica), contracted city/county partnerships, a self-serve Gateway Portal application, and the Entrepreneur Ecosystem mobile app with 2,500+ business professionals. An in-house AI chatbot ('EE') handles text-based customer support, while the broader platform offers co-working booking, e-learning, and an annual Connecting Faith and Business Conference as community engagement levers.

The company reports over $2 billion in cumulative SBA loan origination since inception, more than 2,000 businesses served, and over 15,000 jobs created or preserved. Strategic momentum is supported by the 2024 acquisition of Enterprise Funding (a 40-year-old 504 lender), sequential state expansion into Nevada (2024) and Arizona (March 2025), a 2025 Opportunity Finance Network grant/loan facility of $600,000, and a refreshed board chairmanship in September 2025.

Name

AmPac Business Capital

Legal name

AmPac Business Capital

Website

https://ampac.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

AmPac Business Capital is a 501c3 nonprofit SBA Certified Development Company and U.S. Treasury-certified CDFI that originates SBA 504, 7(a) Community Advantage, and Microloans, plus community lending programs, for underserved small businesses across California, Arizona, and Nevada.

Ownership category

akta.pro rank

Product category

SBA Small Business Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI), SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• SBA 504 lending
• Small business financing
• Community development lending
• SBA microloan programs
• Commercial real estate financing

Headquarters

HQ city

Ontario

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. SBA 504 Loan Program: Long-term fixed-rate financing for commercial real estate and equipment. Revenue generated through interest on the SBA debenture portion, origination fees (1.5% of debenture), and guarantee fees. Bank partner provides first mortgage while AmPac services the SBA second mortgage.
2. SBA 7(a) Community Advantage Loans: Flexible loans up to $350,000 for working capital, business acquisition, equipment, and commercial real estate. Revenue from interest and origination fees.
3. SBA Microloans: Short-term loans up to $50,000 with fixed 7% interest rate for startups and small businesses. Revenue from interest payments.
4. Community Lending Programs: Various community development loans including down payment assistance, first-time buyer programs, and city partnerships. Revenue from interest and program fees.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

AmPac Business Capital is a nonprofit SBA Certified Development Company that originates SBA 504 loans for owner-occupied commercial real estate and equipment, SBA 7(a) Community Advantage loans up to $350,000, and SBA Microloans up to $50,000. The organization supplements its lending with community lending programs (down payment assistance, first-time buyer programs, city-partnership revolving loan funds) and an Entrepreneur Ecosystem platform featuring a mobile app, coaching, co-working, and an AI-powered support agent for small businesses across California, Arizona, and Nevada.

Product overview

AmPac Business Capital offers a comprehensive suite of SBA-backed and community lending products designed to support small business growth. The core offerings include the SBA 504 Loan Program for commercial real estate and equipment financing (up to 90% LTV), the SBA 7(a) Community Advantage Loan (up to $350,000), and SBA Microloans (up to $50,000 at 7% fixed rate). Supplementary programs include the Down Payment Assistance Program and First-Time Buyer Program for commercial real estate purchases, plus local partnership programs like Riverside County BizBoost and Fontana EmPOWERment Fund. The Entrepreneur Ecosystem platform provides additional support through a mobile app offering networking, coaching, e-learning, and co-working spaces, all connected via an AI-powered support agent. Together, these products serve underserved entrepreneurs across California, Arizona, and Nevada.

Differentiator

Problem solved

Functional benefit

Brands

• Entrepreneur Ecosystem: A business support hub providing access to resources, coaching, co-working spaces, networking events, and the Entrepreneur Ecosystem mobile app for small business owners.
• Leap 2 Launch

Products and services

• SBA 504 Loan Long-term, fixed-rate financing for owner-occupied commercial real estate and fixed equipment, providing up to 90% financing with as little as 10% down payment, available in 10, 20, or 25-year terms. Designed for small businesses that need to purchase, build, refinance, or upgrade commercial property or major equipment.
• SBA 7(a) Community Advantage Loan Flexible SBA-backed financing with loan amounts up to $350,000 for working capital, business acquisition, equipment, commercial real estate, and other business needs. No prepayment penalty on non-real-estate loans; variable rates based on Prime plus spread.
• SBA Microloan Small business financing up to $50,000 at a fixed 7% interest rate with repayment terms up to 7 years, designed for startups and small businesses needing working capital or equipment in California. No prepayment penalty.
• Down Payment Assistance Program Exclusive program providing down payment assistance of up to one-half of the required down payment, capped at $100,000, for Black, Latino, and women-led businesses throughout California when utilizing SBA 504 or 7(a) loans. No payment for the first 12 months; fixed interest repayment; 10-year amortization due in 5 years.
• First-Time Buyer Program Down payment assistance program for small business owners purchasing their first commercial real estate property, with 10-year amortization due in 5 years.
• Riverside County BizBoost Program City-supported loan program in partnership with Riverside County offering up to $50,000 at 5% fixed interest over 5 years for working capital, business expansion, inventory, and credit consolidation by Riverside County small businesses.
• Fontana EmPOWERment Fund City of Fontana revolving loan fund offering 6.5% fixed interest rate with loan origination fee covered by the city, supporting construction and business operations for businesses in Fontana.
• Entrepreneur Ecosystem Platform A comprehensive entrepreneur support hub providing networking tools, free coaching, consulting, e-learning, loan application support, co-working spaces, and exclusive events for small business owners across AmPac's footprint.
• Entrepreneur Ecosystem Mobile App Mobile application (iOS and Google Play) that enables entrepreneurs to network with over 2,500 business professionals, book offices and conference rooms at co-working spaces, access free coaching and e-learning, and connect with loan application support via an in-house AI chatbot (EE).
• Leap 2 Launch Entrepreneur Development Program An entrepreneur development program with graduation and pitch competition, awarding funding to California entrepreneurs.

Quantifiable outcome

• Over $2 billion in SBA loans funded since 2005
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

18 partnerships are on record, tiered core and minor.

• Enterprise FundingcoreStrategic or Co-development PartnerAcquired Enterprise Funding, a 40-year-old 504 lender, in 2024 to blend 58 years of SBA experience. Expanded lending capacity and expertise.
• City of Riverside / Riverside CountycoreStrategic or Co-development PartnerRiverside County BizBoost Program partnership providing up to $50,000 loans at 5% fixed interest for Riverside County small businesses. Program designed to help local business owners build, maintain, and grow their businesses.
• City of FontanacoreStrategic or Co-development PartnerFontana EmPOWERment Fund - revolving loan fund approved April 2024 to support vitality of Fontana's business community. 6.5% fixed interest rate with loan origination fee covered by the city.
• Bank Five NinecoreChannel Partner/ Reseller/ DistributorBanking partner for SBA 504 loans. Provided first mortgage for $13.2 million warehouse purchase project in Montclair, CA.
• Morgan Stanley BankcoreChannel Partner/ Reseller/ DistributorThird-party lender partner for SBA 504 debt refinance projects. Worked with AmPac on $2.68 million refinance with cash out project.
• National Association of Development Companies (NADCO)minorStrategic or Co-development PartnerIndustry association for Certified Development Companies. Hilda Kennedy serves on the NADCO Board.
• Inland Empire Women's Business CenterminorStrategic or Co-development PartnerWomen's business center partner providing resources and support for women entrepreneurs in the Inland Empire region.
• Coachella Valley Women's Business CenterminorStrategic or Co-development PartnerWomen's business center partner serving the Coachella Valley region with resources for women entrepreneurs.
• Veterans Business Outreach CentersminorStrategic or Co-development PartnerPartner organization providing resources and support for veteran entrepreneurs.
• California Office of the Small Business AdvocateminorStrategic or Co-development PartnerState agency partner providing advocacy and resources for small businesses in California.
• Black Chamber of Commerce (Riverside County)minorStrategic or Co-development PartnerLocal chamber partnership supporting Black-owned businesses in Riverside County.
• SCOREminorStrategic or Co-development PartnerResource partner providing mentorship and business guidance through SCORE's network of volunteer experts.
• SBDC CaliforniaminorStrategic or Co-development PartnerSmall Business Development Center partnership providing consulting and support services.
• UC Riverside School of BusinessminorStrategic or Co-development PartnerEducational partnership providing resources and connections for entrepreneurs.
• California Baptist UniversityminorStrategic or Co-development PartnerEducational partnership with California Baptist University for entrepreneurship resources.
• Bank of AmericaminorChannel Partner/ Reseller/ DistributorBanking partner listed in resource partners for potential SBA 504 collaborations.
• Wells FargominorChannel Partner/ Reseller/ DistributorBanking partner listed in resource partners. Also referenced as Wells Fargo Works for Small Business initiative partner.
• JP MorganminorChannel Partner/ Reseller/ DistributorBanking partner listed in resource partners for potential financing collaborations.

Scale indicators9 records

Recent moves16 records

Expansion highlights7 records

Direct peers

• TMC Financing: California-based SBA 504 Certified Development Company and direct competitor to AmPac in the same SBA 504 origination channel, serving similar SMB and owner-occupied CRE borrowers with bank-partnered first-mortgage structures.
• LiftFund: National nonprofit CDFI providing SBA microloans, small business loans, and community development financing to underserved entrepreneurs, with overlapping SBA Microloan and 7(a) Community Advantage products versus AmPac.
• Clearinghouse CDFI: Federally certified CDFI based in Southern California providing SBA loans, small business lending, and community development financing to underserved borrowers across California, Arizona, and Nevada — directly overlapping AmPac's three-state footprint and product set.
• Accion Opportunity Fund: West Coast-focused CDFI offering small business loans (including SBA microloans and community advantage loans) and coaching to underserved entrepreneurs, competing for the same mission-driven SMB segment as AmPac.
• Pacific Coast Regional Corporation (PCRC): Los Angeles-based small business development corporation and SBA lender providing SBA 504 loans, business loans, and technical assistance to underserved SMBs in markets overlapping AmPac's Southern California footprint.
• CDC Small Business Finance: Southern California-based SBA 504 CDC and CDFI offering very similar SBA 504, SBA 7(a), and microloan products to underserved SMBs, directly overlapping with AmPac's geography and target segments.
• California Capital Financial Development Corporation: Northern California SBA 504 CDC and CDFI providing SBA 504, SBA 7(a), and small business loans with a similar mission-driven focus on underserved entrepreneurs across California.

Others

• Opportunity Finance Network (OFN): National CDFI industry association and capital provider that supplied AmPac's $600K Finance Justice Fund award in 2025; comparable as a funder and industry convener for the CDFI/SBA lending ecosystem AmPac participates in.
• National Association of Development Companies (NADCO): Industry trade association representing SBA Certified Development Companies (including AmPac); Hilda Kennedy serves on its board. Not a competitor, but a relevant ecosystem organization and policy advocate that influences the SBA 504 market AmPac operates in.

Emerging players

• Grameen America: Mission-driven microfinance nonprofit providing small business microloans to underserved entrepreneurs (notably women) in the U.S., with overlapping microloan product focus to AmPac's SBA Microloan program.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ampaccdc
• YouTubeyoutube.com/@ampacbusinesscapital
• Facebookfacebook.com/Ampaccdc
• LinkedInlinkedin.com/company/ampac-business-capital
• Instagraminstagram.com/ampacbusinesscapital_

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds1 record

Investors1 record

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 AmPac Business Capital