Pacific Community Fund

Name

Pacific Community Fund

Legal name

Pacific Community Fund

Website

https://pacific-fund.org

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Community Development Financial Services

NAICS

Credit Unions (52213), Emergency and Other Relief Services (62423)

SIC

Miscellaneous Business Credit Institution (6159), Services-Social Services (8300)

akta.pro primary industry

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

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Microfinance & Community P2P Lending (FSAKAHAD), Community Centers & Neighborhood Support Services (BPAGAEAL)

Keywords

• Community development lending
• Microfinance loans
• SBA microlending
• Homeownership counseling
• Financial coaching services

Headquarters

HQ city

Daly City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Microloans and Small Dollar Loans: PCF generates revenue through interest and fees on microloans and small dollar loans (up to $2,500) provided to underserved individuals and small businesses in California. As an SBA Microloan Intermediary Lender and CDFI, the organization deploys mission-driven capital to low-income communities.
2. Business Loans: Revenue generated from term loans and revolving credit lines for small businesses, including SBA loans. The organization provides tailored financing solutions with competitive interest rates and quick approvals for business expansion and operations.
3. Down Payment Assistance Programs: PCF administers down payment assistance programs (DPA) throughout California as part of homeownership resources, generating revenue through program administration fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Pacific Community Fund is a nonprofit CDFI that originates and services small-dollar personal loans, micro and small business loans, SBA-guaranteed loans, and down payment assistance loans for low-income, immigrant, and refugee communities in California. It complements its lending with HUD-approved homeownership counseling, financial coaching, technical assistance, and targeted disaster relief programs such as the PCF Fire Relief Fund.

Product overview

Pacific Community Fund operates as a certified Community Development Financial Institution (CDFI) and SBA Microloan Intermediary offering a portfolio of financial products centered on personal and small business lending. The core offerings consist of Small Dollar Loans (up to $2,500) and Emergency Expense Loans for consumers, alongside Business Loans, SBA Loans, and Small Dollar Business Loans for entrepreneurs. These products are complemented by homeownership resources including down payment assistance and homebuyer education, plus disaster relief programs such as the PCF Fire Relief Fund. All offerings are delivered through relationship-based, mission-driven lending with technical assistance and financial coaching support, rather than a technology platform architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loans Small-dollar personal loans of up to $2,500 offered to low-income, immigrant, and refugee residents of California who cannot access mainstream credit. The product is delivered through relationship-based underwriting and is designed to provide an affordable alternative to predatory lending.
• Business Loans Direct small business loans originated by Pacific Community Fund for California micro and small business owners who lack access to traditional bank financing. The product supports startup, working capital, and growth needs of underserved entrepreneurs.
• SBA Loans SBA-guaranteed microloans originated under Pacific Community Fund's SBA Microlender designation, providing federally backed small-dollar financing to small businesses in California that cannot access conventional SBA lenders. The offering leverages the SBA program to extend credit to underserved entrepreneurs.
• Down Payment Assistance Down payment assistance loans designed to help low-income California homebuyers cover the upfront cost of purchasing a home. The product is paired with the CDFI's HUD-approved homeownership counseling and homebuyer education to address both financial and educational barriers to homeownership.
• Homeownership Resources Pre-purchase housing counseling and homebuyer education delivered by Pacific Community Fund as a HUD-approved Housing Counseling Agency, including the online Framework Homebuyer Education course. The service targets low-income prospective homebuyers in California and is often paired with the CDFI's down payment assistance loans.
• Technical Assistance and Financial Coaching One-on-one financial coaching and small business technical assistance services provided to CDFI clients and community members. The service helps borrowers build credit, manage budgets, and develop business plans, complementing the organization's lending products.
• PCF Fire Relief Fund Disaster relief loan program providing short-term financial assistance to California residents affected by wildfires and other natural disasters. The fund is a dedicated disaster response offering distinct from the CDFI's standard lending products.

Quantifiable outcome

• Millions in funds disbursed to small businesses and communities
• +1 more outcomes

Named customers3 records

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

Seven partnerships are on record, tiered core and minor.

• PCF Fire Relief Fund (State and Private Resources)coreStrategic or Co-development Partner · 13 January 2025In response to the January 2025 Los Angeles Fires, PCF launched the Fire Relief Fund loan program in partnership with state and private resources. The zero-interest, zero-fee loan program provides disaster relief to affected residents and essential workers. Resources are coordinated with California Governor's Office of Emergency Services, FEMA, California Fire Foundation, and Los Angeles County resources.
• Pacific Gas & Electric Company (PG&E)coreStrategic or Co-development Partner · 1 January 2021PCF has partnered with Pacific Gas & Electric Company for several years to raise awareness among diverse communities throughout Northern and Central California about state tax credits available for the purchase of used EVs. This partnership has given PCF insight into how low-to-moderate-income communities cannot participate in public benefits due to lack of publicly accessible EV chargers.
• Framework HomeownershipcoreChannel Partner/ Reseller/ DistributorPCF serves as a distributor for Framework Homebuyer Education resources, providing homeownership education and resources to help consumers navigate the path to homeownership including mortgage readiness and down payment assistance programs throughout California.
• Filipino American Chamber of Commerce of Orange County (FACC-OC)minorGTM or Marketing PartnerPCF participates in FACC-OC events including the 'Secrets to Success' Small Business Conference where Director of Community Lending Imelda Siocheng served as a panelist discussing small business wealth building alongside representatives from U.S. Bank and Wallis Bank.
• UCLA Emmett Institute on Climate Change & the EnvironmentminorGTM or Marketing PartnerPCF leadership participated in the 'Charging Ahead: Cutting Vehicle Pollution During the New Trump Years' symposium at UCLA School of Law, engaging with attorneys, activists, community members, and public officials on transportation electrification equity.
• California Public Utilities Commission (CPUC)coreOthersPCF filed a motion for party status with CPUC to ensure the commission fulfills its commitment to fund installation of public EV chargers in low-income communities. On March 24, 2025, PCF was granted party status on this matter after demonstrating good cause.
• Opportunity Finance Network (OFN)coreStrategic or Co-development PartnerPCF is a member of OFN, the national membership organization for community development financial institutions. OFN provides resources, advocacy, and networking for CDFIs serving underserved communities.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Pacific Community Ventures: San Francisco-based CDFI providing small business capital and advisory to underserved California entrepreneurs. Directly comparable to PCF as a California-focused community development lender serving small businesses.
• Lendistry: California-based minority-led CDFI and SBA lender focused on small business financing for underserved entrepreneurs. Direct peer given shared California footprint, SBA microlending, and CDFI certification.
• Kiva: San Francisco-based nonprofit microfinance platform offering crowdfunded 0% loans to underserved borrowers worldwide. Comparable to PCF's microloan and small-dollar lending model, with similar focus on financial inclusion and credit-building.
• Working Solutions CDFI: Bay Area-based CDFI providing microloans and small business financing to underserved entrepreneurs. Comparable to PCF in geography (Northern California), mission, and product mix (microloans + small business loans).
• Mission Asset Fund: San Francisco-based CDFI best known for 'lending circles' that provide zero-interest social loans to immigrant and low-income families. Closely comparable to PCF's mission of building credit and capital access in California's underserved communities.
• Accion Opportunity Fund: Community development financial institution providing small business loans and SBA microloans to underserved entrepreneurs across the western U.S. Direct peer to PCF's SBA Microloan Intermediary business lending activity.
• CDC Small Business Finance: California-based SBA lender providing 504 and microloan financing to small businesses. Directly comparable to PCF's SBA Microloan Intermediary activity and California geographic focus.
• Grameen America: National nonprofit microfinance organization providing small loans to women entrepreneurs in low-income communities. Comparable to PCF's microlending mission and use of relationship-based underwriting for underserved borrowers.

Broad incumbents

• Self-Help Federal Credit Union: Federally chartered credit union operated by the Center for Community Self-Help, serving low-income and underserved communities across multiple states with deposits, loans, and community development financing. Broader incumbent to PCF given shared mission of serving LMI communities but a deposit-taking institution with significantly larger scale.

Others

• Opportunity Finance Network: National membership and advocacy organization for the CDFI industry, of which PCF is a member. Comparable as the industry's primary trade body providing capital, policy advocacy, and peer learning to PCF and similar CDFIs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PacificCommunityFund
• LinkedInlinkedin.com/company/pacific-community-fund
• Instagraminstagram.com/pacificcommunityfund
• Xx.com/Pacific_Fund

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 Pacific Community Fund