CAP Services Inc.

What CAP Services Inc. does

CAP Services Inc. is a private, nonprofit Community Action Agency founded in 1966 in Stevens Point, Wisconsin, operating under the federal War on Poverty framework. It serves income-qualified individuals and families across five central Wisconsin counties (Marquette, Outagamie, Portage, Waupaca, and Waushara) through more than 25 interconnected programs organized into six areas: Job Skills & Economic Security, Business Coaching & Lending, Housing & Transportation, Child & Family Development, Health/Wellness & Safety, and Advocacy & Community Engagement. Core offerings include Head Start and Early Head Start, weatherization and housing rehabilitation, the Family Crisis Center (24/7 domestic violence and sexual assault services), Skills Enhancement workforce training, the Hmong UPLIFT family-literacy program, IRS-certified VITA free tax preparation, and the Children's Discovery Center child care facility. The agency also runs commercial and residential rental housing across 8+ counties.

The organization has no proprietary technology platform; service delivery is people-intensive, supported by a 15+ office physical footprint, home-visit programs, center-based classrooms, and a 24/7 crisis hotline. In 1991 it created Community Assets for People (CAfP), a wholly-owned Community Development Financial Institution (CDFI) that provides consumer, auto, business, and home mortgage loans to underserved borrowers; CAfP earned SBA Microlender status in 2013 to extend into more urban markets. CAP Services is governed by a 21-member volunteer board with mandatory one-third representation from the low-income population served.

Revenue is generated primarily through federal and state government grants (Community Services Block Grant, Office of Head Start, USDA Rural Development, WHEAP), supplemented by United Way of Portage County funding, charitable donations (collected online via Givebutter), interest income from CAfP lending operations, rental housing income, and modest childcare fees. Pricing is overwhelmingly free or deeply subsidized for income-qualified clients (generally at or below 200% of the Federal Poverty Level, with some programs reaching 80% of County Median Income). Most services are free to eligible households; CAfP's loan products carry interest rates of 0-12% depending on borrower income and product.

Name

CAP Services Inc.

Legal name

CAP Services Inc.

Website

https://capservices.org

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

251–500 employees

Short description

CAP Services Inc. is a private nonprofit community action agency founded in 1966 that delivers 25+ social-service, housing, early-childhood, workforce, and CDFI lending programs to low-income individuals and families across five central Wisconsin counties.

Ownership category

akta.pro rank

Headquarters

HQ city

Stevens Point

HQ country

United States

HQ region

North America

Offices14 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain, Others

Revenue model

1. Government Grants: Primary revenue source from federal and state government grants including Community Services Block Grant (Award Number 2502WICOSR from Office of Community Services), Head Start/Early Head Start grants (Grant Number 05CH011973 from Office of Head Start), and USDA rural development capital.
2. Donations and Contributions: Charitable donations from individuals, corporations, and foundations, facilitated through Givebutter online donation platform.
3. Community Development Financial Institution (CDFI) Lending: CAfP, the lending arm of CAP Services, generates revenue through interest on business loans, auto loans, and consumer loans. Business lending rates generally fall in 4-8% range.
4. United Way Funding: United Way partner agency receiving support through United Way of Portage County.
5. Program Service Fees: Some programs generate modest fees including rental housing income, childcare fees, and loan interest payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

CAP Services Inc. is a private, nonprofit community action agency that delivers social, educational, housing, and economic development programs to income-qualified individuals and families across five Wisconsin counties. The organization operates 25+ programs organized into six focus areas: Job Skills & Economic Security, Business Coaching & Lending, Housing & Transportation, Child & Family Development, Health/Wellness & Safety, and Advocacy & Community Engagement. Through its wholly-owned CDFI subsidiary Community Assets for People (CAfP), CAP Services also provides low-cost consumer, auto, and small business loans.

Product overview

CAP Services Inc. is a private, non-profit community action agency offering more than two dozen social service programs across five Wisconsin counties. The organization provides a portfolio of interconnected programs organized into six focus areas: Job Skills & Economic Security (including Hmong UPLIFT, Skills Enhancement, VITA Tax Assistance, and Small Loan Big Difference), Business Coaching & Lending (Small Business Assistance and Commercial Development), Housing & Transportation (Rental Housing, Weatherization/Rehabilitation, Work-n-Wheels Auto Lending, and Housing Counseling), Child & Family Development (Family Support Services, 4K, Children's Discovery Center, Early Head Start, and Head Start), Health/Wellness & Safety (Family Crisis Center, Child/Youth Services, and Mental Health Navigation), and Community Development (CAfP lending, Interpreter Services, and RISE). The organization serves as a CDFI and SBA Microlender through its Community Assets for People subsidiary.

Differentiator

Problem solved

Functional benefit

Brands

• Community Assets for People (CAfP): The wholly-owned Community Development Financial Institution (CDFI) lending arm of CAP Services, providing low-cost capital to households and businesses owned by, or providing significant benefit to, low-income and moderate-income individuals.

Products and services

• Hmong UPLIFT A multi-generational family literacy program that helps bridge gaps within Hmong families looking to improve their lives by assisting Hmong parents in setting goals and gaining skills while modeling the importance of education to their children ages 4-8. Free for Hmong families in Stevens Point School District.
• Skills Enhancement Program A workforce development program that assists low-income individuals obtain skills needed to compete for living wage jobs, covering tuition, books, supplies, and training-related expenses. Free tuition assistance for residents with household income at or below 200% FPL who work minimum 20 hours/week.
• VITA / Free Tax Assistance Volunteer Income Tax Assistance program providing low-income households with free assistance filing income taxes and claiming eligible tax credits. Includes MyFreeTaxes online tax preparation software partnership with United Way for year-round filing.
• Small Loan, Big Difference Consumer loans program offering low-interest loans up to $2,500 for necessary purchases or emergencies, and Debt Consolidation Loans up to $5,000 at 12% interest (up to 36 months) and Credit Builder Loans up to $2,500 at 10% interest (up to 24 months) for income-eligible individuals.
• Small Business Assistance Technical assistance and micro/small business loans for start-up and expansion expenses including equipment, inventory, and working capital for low-income individuals in central Wisconsin counties. SBA Microlender status since 2013 enables service to urban markets.
• Community Assets for People (CAfP) A Community Development Financial Institution (CDFI) certified by the U.S. Treasury providing low-cost capital to households and businesses owned by or benefiting low-income and moderate-income individuals. Includes business lending (4-8% rates), auto loans, and home mortgage loans. Established 1991 as wholly-owned lending subsidiary.
• Commercial Development Below market rate flexible financing and Lease/Purchase Program for commercial and industrial businesses that commit to job creation, with available commercial and manufacturing space in multiple Wisconsin counties.
• Rental Housing Residential rental properties in multiple Wisconsin counties (Calumet, Juneau, Green Lake, Marathon, Marquette, Outagamie, Waupaca, Waushara, and Wood) offering smoke-free apartments for individuals and families, and independent living for seniors 55+.
• Weatherization and Rehabilitation Weatherization services for income-qualified homes reducing energy costs by an average of 30 percent (and as much as 50 percent), and housing rehabilitation deferred loans at 0% interest for low-income homeowners for repairs including roof work, plumbing, and heating system replacement. Loans due upon home sale or after 30 years.
• Work-n-Wheels Auto Lending Auto purchase and repair loan program for working adults with limited income, offering Work-n-Wheels loans up to $5,000 at 0% interest for households at or below 150% FPL, and Affordable Auto loans up to $10,000 at 10% interest for households at or below 80% CMI.
• Housing Counseling Assistance with rental applications, public benefits, housing counseling, landlord/tenant mediation, and down payment assistance for home buyers in the five-county service area.
• Family Support Services In-home parenting education using evidence-based resources from Nurturing Parenting and Triple P, and Help Me Grow Navigator supporting developmental services and community resources for Waushara County families.
• 4-Year-Old Kindergarten Community-based four-year-old preschool services collaborating with school districts in Portage and Waupaca counties.
• Children's Discovery Center Year-round, state-licensed child care facility offering quality child care, on-site four-year-old kindergarten, and educational services to children ages six weeks to six years in Stevens Point. Wisconsin Share Child Care Subsidy and Good Start Grants accepted.
• Early Head Start Federally funded program providing quality prenatal and early childhood development services to low-income children and families with classroom and home-based options in four counties. Includes weekly 1.5-hour home visits for home-based option.
• Head Start Federally funded early childhood program providing comprehensive services including early childhood education, health, and family and community partnerships for income-eligible and special needs preschool children in four counties. Children enrolled in Head Start show reduced grade retentions, lower dropout rates, decreased delinquency and substance abuse.
• Family Crisis Center (FCC) Free and confidential assistance to victims of sexual assault and domestic violence, and youth in crisis, offering emergency shelter, 24/7 crisis hotline (1-800-472-3377), counseling, and support groups.
• Child and Youth Services Community-based advocacy program providing free and confidential support services to youth and families in crisis, including youth shelter for unaccompanied youth ages 11-17.
• Mental Health Navigation Program that reduces barriers to accessing mental health services and increases follow-through with treatment plans to improve mental health functioning. Provides in-home support.

Quantifiable outcome

• 9,500+ homes weatherized since 1976 with 30% average energy reduction
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor, core, major and supporting.

• Delta Dental of WisconsinminorGTM or Marketing Partner · 1 January 2019Delta Dental of Wisconsin sponsored CAP Services' 2019 Voices of Transformation video series, showcasing client success stories and program impact.
• United Way of Portage CountycoreGTM or Marketing PartnerCAP Services is a United Way Partner agency. United Way provides funding support and co-referral network for community services. CAP also promotes United Way's 2-1-1 resource hotline to connect individuals with services.
• Wisconsin Home Energy Assistance Program (WHEAP)majorStrategic or Co-development PartnerWHEAP identifies income-qualified homes for weatherization services and provides CAP with referral lists. CAP provides weatherization services in Marquette, Portage, Waupaca, and Waushara counties.
• First Five Fox ValleysupportingStrategic or Co-development PartnerCAP Services partners with First Five Fox Valley to provide Help Me Grow Navigation services, connecting families with developmental services and community resources using the national Help Me Grow evidence-based model.
• Waushara County Department of Human ServicessupportingStrategic or Co-development PartnerParenting education services provided through partnership with Waushara County's Department of Human Services, utilizing evidence-based Nurturing Parenting and Triple P programs.
• Internal Revenue Service (IRS)supportingStrategic or Co-development PartnerCAP Services operates IRS-certified Volunteer Income Tax Assistance (VITA) program providing free tax preparation for low-income households. IRS provides training materials and certification for volunteers.
• United Way (MyFreeTaxes Partnership)supportingStrategic or Co-development PartnerPartnership with United Way provides MyFreeTaxes online tax preparation software, enabling low-income individuals and families to file federal and state returns for free year-round.
• WISCAP (Wisconsin Community Action Program Association)supportingStrategic or Co-development PartnerCAP Services is a WISCAP member agency, participating in the Wisconsin network of community action agencies for peer support, advocacy, and professional development.

Scale indicators9 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Couleecap, Inc. Couleecap is a Wisconsin community action agency serving Crawford, Monroe, Vernon and surrounding counties with a similar portfolio of Head Start, weatherization, housing, and emergency services. Most direct one-to-one comparable to CAP Services in mission, scale, and federal funding model.
• Western Dairyland EOC, Inc. Western Dairyland is a Wisconsin community action agency serving Buffalo, Jackson, Trempealeau, and Eau Claire counties with Head Start, weatherization, housing, and community services. WISCAP member with overlapping program mix and rural-county service model directly comparable to CAP Services.
• West Central Wisconsin Community Action Agency: West Central Wisconsin CAA serves Dunn, Pierce, Pepin, and St. Croix counties with a comparable mix of Head Start, housing rehabilitation, weatherization, and crisis services. Same WISCAP-affiliated CAA model and federal funding entitlements as CAP Services.
• Lakeshore CAP, Inc. Lakeshore CAP is a Wisconsin community action agency serving Manitowoc and Kewaunee counties with Head Start, housing, weatherization, and emergency services. Operates the same CAA framework and federal grant structure as CAP Services in a similar rural Wisconsin setting.
• NEWCAP, Inc. NEWCAP is a Northeast Wisconsin community action agency serving Forest, Langlade, Marinette, Oconto, and Menominee counties with Head Start, weatherization, and community economic development programs. Closely comparable multi-county rural CAA serving low-income populations in Wisconsin.

Others

• Wisconsin Housing and Economic Development Authority (WHEDA): WHEDA is the Wisconsin state housing finance agency providing mortgage finance, multifamily loans, and housing tax credits. Adjacent to CAP's CDFI lending and rental housing operations, but operates as a state-chartered finance authority rather than a service-delivery nonprofit.

Emerging players

• Forward Community Investments: Forward Community Investments is a Madison-based CDFI providing loans, grants, and investments to Wisconsin nonprofits and social enterprises. Comparable to CAP's CAfP lending subsidiary in mission-driven capital deployment to underserved communities.
• Wisconsin Women's Business Initiative Corporation (WWBIC): WWBIC is a Wisconsin CDFI providing microlending and business development services to women, minorities, and low-income entrepreneurs. Directly comparable to CAP's Small Business Assistance program and CAfP microlending offerings in mission and product structure.

Broad incumbents

• Habitat for Humanity Wisconsin: Habitat for Humanity Wisconsin affiliates provide affordable housing and home repair services across Wisconsin. Overlaps with CAP's housing rehabilitation, weatherization, and homeowner support programs in mission and county-level service delivery.
• Goodwill of North Central Wisconsin: Goodwill NCW provides workforce development, job training, and community services across central and northern Wisconsin, with overlap in CAP's Skills Enhancement workforce training and economic security programs. Broader retail-funded nonprofit than CAP but with intersecting program offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CAPServices
• LinkedInlinkedin.com/company/cap-services
• Instagraminstagram.com/capservicesinc

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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 CAP Services Inc.