Entre Capital
Entre Capital is a nonprofit CDFI providing small business loans ($5K–$200K) exclusively to Texas-based, justice-impacted entrepreneurs, paired with coaching, mentorship, and a 7-week accelerator program under its parent Prison Entrepreneurship Program.
- Company typePrivate
- Founded2004
- HeadquartersDallas, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Entre Capital does
Entre Capital is a Texas-based nonprofit Community Development Financial Institution (CDFI) and the wholly owned lending subsidiary of the Prison Entrepreneurship Program (PEP). It provides small business loans exclusively to justice-impacted entrepreneurs — returning citizens with criminal records who face near-impossible barriers to mainstream commercial credit. The organization operates only in Texas and originates two loan products: unsecured Microloans of $5,000–$20,000 (2–4 year terms) and secured Equipment Loans of $25,000–$200,000 (3–5 year terms), both priced at below-market interest rates with all application, origination, and prepayment fees waived.
The company's core technology footprint is minimal — the stated core technology is "No technology products or platforms" — and its primary digital infrastructure consists of a Webflow-hosted website, an online Loan Readiness Assessment funnel, and a QuickBooks Online reseller integration that gives borrowers access to bookkeeping tools and monthly reporting. Lending operations are augmented by a wraparound support ecosystem rather than software: the Second Chance Accelerator™ (a virtual 7-week business growth program), one-on-one business coaching (~50 volunteer hours per borrower annually, valued at $6,250/year), the Launch & Grow curriculum (~$2,900 value), and PEP's broader re-entry programming form the "credit transformation" model that substitutes for traditional credit scoring.
Entre Capital monetizes primarily through interest income on its loan portfolio and tax-deductible donations from impact investors (claimed 1:8 leverage per donated dollar). Capital is leveraged through partner banks — notably TBK Bank — using the organization's CDFI certification to satisfy Community Reinvestment Act requirements. Borrower acquisition is driven by PEP's referral pipeline, community partnerships, and direct outreach rather than paid marketing. The organization holds CDFI certification from the U.S. Treasury, was founded circa 2019 under the 2004-founded PEP umbrella, and employs 11-50 staff in Dallas.
Entre Capital firmographics
Firmographics- Name
- Entre Capital
- Legal name
- Entre Capital
- Website
- https://entrecapital.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Entre Capital is a nonprofit CDFI providing small business loans ($5K–$200K) exclusively to Texas-based, justice-impacted entrepreneurs, paired with coaching, mentorship, and a 7-week accelerator program under its parent Prison Entrepreneurship Program.
- Ownership category
- akta.pro rank
Entre Capital industry classification
Industry- Product category
- Community Development Financial Services (CDFI Small Business Lending)
- NAICS
- Sales Financing (52222), Commercial Banking (522110)
- SIC
- Finance Lessors (6172), Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- Impact Investing & Social Finance (Funds, CDFIs, Microfinance) (BPAGALAA)
Keywords
Where Entre Capital is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Entre Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Loan Interest Income: Entre Capital generates revenue through interest earned on small business loans provided to justice-impacted entrepreneurs. The organization offers below-market interest rates and waives all application, origination, and prepayment fees to reduce borrower burden.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Multi-year contract | Microloans for working capital or inventory: $5,000 - $20,000 |
| Unit Pricing | Multi-year contract | Equipment Loans for machinery, vehicles, or heavy equipment: $25,000 - $200,000 |
Distribution channels2 records
Marketing channels3 records
Entre Capital product offering
Product offeringCore offering
Entre Capital is a nonprofit Community Development Financial Institution (CDFI) that provides small business loans exclusively to justice-impacted entrepreneurs (returning citizens with criminal records) registered in Texas. It pairs loan products (Microloans of $5,000-$20,000 and Equipment Loans of $25,000-$200,000) with wraparound business support including the Second Chance Accelerator, one-on-one volunteer business coaching, the Launch & Grow curriculum, and a Loan Readiness Assessment. The organization is the wholly owned CDFI subsidiary of the Prison Entrepreneurship Program (PEP).
Product overview
Entre Capital is a Community Development Financial Institution (CDFI) providing a unified financial services ecosystem exclusively for justice-impacted entrepreneurs. The core offering consists of loan products—Microloans ($5,000–$20,000) and Equipment Loans ($25,000–$200,000)—paired with wraparound support services including the Second Chance Accelerator™ (a 7-week virtual business growth program), One-on-One Business Coaching (~50 hours annually per borrower), and the Launch & Grow skills curriculum. All borrowers also receive a Loan Readiness Assessment and access to QuickBooks Online bookkeeping tools. The integrated model combines competitively priced capital with developmental assistance to support long-term business success.
Differentiator
Problem solved
Functional benefit
Brands
- Second Chance Accelerator™: A virtual 7-week program designed to support justice-impacted business owners who are ready to strengthen their operations, increase stability, and prepare for funding.
- The Second Chance Journal
Products and services
- Microloans
Quantifiable outcome
- 100% employment rate within 90 days for PEP graduates at 68% above minimum wage
- +2 more outcomes
Companies that use Entre Capital
Customer profileSegments1 record
Ideal customer profiles1 record
Entre Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Entre Capital partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Prison Entrepreneurship Program (PEP)corePEP is the parent organization of Entre Capital. Founded in 2004, PEP has served over 3,000 incarcerated men in Texas with comprehensive re-entry programs. Entre Capital is the wholly owned CDFI subsidiary of PEP, with PEP values and success underpinning Entre Capital's operations.
- TBK BankcoreBank partnership leverages Entre's CDFI certification to satisfy Community Reinvestment Act requirements. Provides lending capital and regulatory benefits through the partnership.
- PeopleFundminorCommunity lending partner providing financing support for underserved entrepreneurs in Texas.
- Opportunity Finance NetworkminorNational network of community development financial institutions providing peer support, resources, and advocacy for CDFIs.
- Sagamore InstituteminorPolicy research organization supporting economic mobility initiatives for underserved populations.
- NCRCminorNational Community Reinvestment Coalition member working to create opportunities for people and communities to prosper.
- DEC NetworkminorDallas entrepreneur ecosystem organization supporting startup and small business development.
- EqAllminorEconomic equity organization supporting financial inclusion and access to capital.
- Spears Institute for Entrepreneurial LeadershipminorUniversity-affiliated institute providing entrepreneurial education and resources.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Entre Capital competitors and assessment
Company assessmentDirect peers
- LiftFund: Texas and Southwest-based CDFI providing small business microloans and support to underserved entrepreneurs, including second-chance borrowers. Direct geographic and product overlap with Entre Capital.
- PeopleFund: Texas-based CDFI providing small business loans and support to underserved entrepreneurs, including a justice-impacted focus. Already a named community lending partner of Entre Capital, making it the most directly comparable peer in product, geography, and mission.
- DreamSpring: Certified CDFI providing micro and small business loans to underserved entrepreneurs across multiple states, with paired business coaching. Closely comparable on loan sizing, CDFI model, and target borrower profile.
- Accion Opportunity Fund: National CDFI providing small business loans and wraparound coaching to underserved entrepreneurs, including those with nontraditional credit profiles. Comparable in CDFI structure, micro-loan product set, and wraparound support model.
- Grameen America: Microfinance nonprofit extending small business loans and wraparound training to low-income entrepreneurs, many from reentry backgrounds. Comparable microloan product and coaching-led model.
- Justine PETERSEN Reinvestment Fund: CDFI explicitly focused on justice-impacted and reentry entrepreneurs with paired coaching and asset-building services. Most directly comparable in justice-impacted focus and wraparound support model.
Others
- TBK Bank: Commercial bank serving as a channel/distribution partner providing CRA-eligible capital to Entre Capital through its Senior Lending Officer also serving on Entre's leadership team.
Broad incumbents
- Southern Bancorp Community Partners: CDFI bank holding and nonprofit community development entity providing small business lending in underserved communities across the South. Comparable as a broader CDFI player with second-chance-adjacent programs.
- SBA Community Advantage lenders (CDFI partners): SBA's flagship program channels loans up to $250K through mission-driven lenders including CDFIs to underserved small businesses, providing the federal overlay for many of the peers above.
Regional players
- Business and Community Lenders (BCL) of Texas: Texas-based CDFI serving small businesses and startups with loans and technical assistance. Strong geographic overlap with Entre Capital across Texas though with a broader small-business focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Entre Capital compliance and trust
Trust signalCompliance1 record
Entre Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Entre Capital leadership team
Management profileNumber of profiles
Profiles10 records
Entre Capital funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Entre 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 Entre Capital
What does Entre Capital do?
Entre Capital is a nonprofit Community Development Financial Institution (CDFI) that provides small business loans exclusively to justice-impacted entrepreneurs (returning citizens with criminal records) registered in Texas. It pairs loan products (Microloans of $5,000-$20,000 and Equipment Loans of $25,000-$200,000) with wraparound business support including the Second Chance Accelerator, one-on-one volunteer business coaching, the Launch & Grow curriculum, and a Loan Readiness Assessment. The organization is the wholly owned CDFI subsidiary of the Prison Entrepreneurship Program (PEP).
Is Entre Capital a public or private company?
Entre Capital is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Entre Capital founded?
Entre Capital was founded in 2004. It employs 11 to 50 people.
Where is Entre Capital based?
Entre Capital is headquartered in Dallas, United States, in the North America region.
How does Entre Capital make money?
One revenue line is on record: loan Interest Income.
Who are Entre Capital's main competitors?
Direct peers on record are LiftFund, PeopleFund, DreamSpring, Accion Opportunity Fund, Grameen America and Justine PETERSEN Reinvestment Fund. TBK Bank is listed as an others. Broad incumbents are Southern Bancorp Community Partners and SBA Community Advantage lenders (CDFI partners). Business and Community Lenders (BCL) of Texas is listed as a regional player.
Does Entre Capital have an API?
No public API is recorded for Entre Capital.
What industry is Entre Capital in?
Entre Capital's product category is Community Development Financial Services (CDFI Small Business Lending). Its primary akta.pro industry code is BPAGALAA, Impact Investing & Social Finance (Funds, CDFIs, Microfinance). Its NAICS code is 52222 and its SIC code is 6172.