First American Capital Corporation, Inc.

What First American Capital Corporation, Inc. does

First American Capital Corporation, Inc. (FACC) is a 501(c)(3) nonprofit Community Development Financial Institution (CDFI) headquartered in Hales Corners, Wisconsin, founded in 2002 by the American Indian Chamber of Commerce of Wisconsin (AICCW). The organization provides direct small business lending and technical assistance to Native American-owned firms, tribal enterprises, and other underserved entrepreneurs throughout Wisconsin, with a secondary focus on rural and minority-owned businesses. FACC became the first Native organization in Wisconsin to achieve Native Community Development Financial Institution (NCDFI) certification through the U.S. Department of the Treasury CDFI Fund in 2004, and holds SBA Microloan Program Intermediary Lender and Community Advantage Small Business Lending Company (CA SBLC) designations, enabling it to issue SBA 7(a) loans.

FACC's product portfolio centers on three core credit products — SBA Microloans, Community Advantage 7(a) loans, and an internally managed Revolving Loan Fund — supplemented by the Kiva 0% interest microloan program. These credit products are wrapped with a comprehensive suite of non-lending services including one-to-one business counseling, the Business Loan Readiness Workshop, the Profit Mastery Program, the Rooted & Rising Indigenous Business Planning Series, and the annual DBE Workshop and Networking Summit. The organization operates a Vistashare-hosted client portal and distributes services through its Hales Corners headquarters, a newly opened Northern Wisconsin field office in Superior (January 2026), statewide workshops, and partner referrals through AICCW, Bay Bank, GLITC, Ashland Area Development Corporation, and tribal economic development organizations.

FACC generates revenue through three primary streams: interest income and fees on its lending portfolio, grant and contract funding from government and quasi-government partners (SBA, U.S. Treasury CDFI Fund, WEDC, FHLBank Chicago), and philanthropic donations from corporate and individual donors (Wells Fargo, TownBank, Horicon Bank, Kiva, Oweesta). The organization is led by co-Executive Directors Gary Mejchar (Development) and Bill Beson (Lending), supported by a lean staff of approximately 10 employees including a Senior Loan Officer, a Small Business Capital Access & Advising Manager, a Portfolio & Program Manager, and a Business Technical Assistance Associate. As a mission-driven nonprofit, FACC reinvests surplus into lending capacity and program expansion rather than distributing returns to shareholders.

Name

First American Capital Corporation, Inc.

Legal name

First American Capital Corporation, Inc.

Website

https://faccwi.org

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

First American Capital Corporation, Inc. is a Wisconsin-based nonprofit Native CDFI providing SBA microloans, Community Advantage 7(a) loans, and technical assistance to Native American-owned and other underserved small businesses throughout Wisconsin, founded in 2002 by the American Indian Chamber of Commerce of Wisconsin.

Ownership category

akta.pro rank

Product category

Community Development Lending

NAICS

Commercial Banking (52211)

SIC

Miscellaneous Business Credit Institution (6159), Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

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

akta.pro secondary industry

Middle-Market Lending (FSANADAI)

Keywords

• Community development lending
• Small business microloans
• Native CDFI lending
• SBA microloan program
• Business technical assistance

Headquarters

HQ city

Hales Corners

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest and Fees: FACC generates revenue through interest income on its small business Revolving Loan Fund and associated loan fees from borrowers.
2. Grant Funding: As a nonprofit CDFI, FACC receives partial funding from multiple partners including SBA, CDFI Fund, WEDC, and other organizations to support operations and lending programs.
3. Donations and Charitable Gifts: Philanthropic gifts from donors help fund FACC programs and enable expansion of reach and impact for Native and underserved small business owners.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

First American Capital Corporation, Inc. (FACC) is a certified Native Community Development Financial Institution (NCDFI) that provides small business loans through the SBA Microloan Program, Community Advantage 7(a) Loans, a Revolving Loan Fund, and the Kiva Lending Program, accompanied by one-to-one business counseling and educational workshops, to Native-owned firms and other underserved small businesses throughout Wisconsin.

Product overview

First American Capital Corporation (FACC) operates as a certified Native Community Development Financial Institution (CDFI) providing a comprehensive suite of financial products and technical assistance services to Native-owned businesses and underserved entrepreneurs in Wisconsin. The core product portfolio centers on small business lending through the SBA Microloan Program, Community Advantage 7(a) Loans, and a Revolving Loan Fund, supplemented by the Kiva Lending Program for 0% interest microloans. These financial products are complemented by educational services including the Business Loan Readiness Workshop, Profit Mastery Program, and One-to-One Business Counseling, which provide entrepreneurs with guidance through business planning, loan packaging, financial management, and ongoing advisory support throughout the business lifecycle.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA Microloan Program U.S. Small Business Administration designated Intermediary Lender program providing small loans to eligible borrowers for working capital, inventory, equipment, and other business purposes. Targeted at Native-owned businesses and other eligible-market small businesses in Wisconsin.
• Community Advantage 7(a) Loans Community Advantage Small Business Lending Company (CA SBLC) loans licensed by the SBA to issue 7(a) loans, offering larger financing options for small businesses that lack access to conventional bank credit.
• Revolving Loan Fund Small business Revolving Loan Fund providing direct financial resources to underserved communities and Native-owned firms in Wisconsin as part of FACC's core mission.
• Kiva Lending Program Crowdfunded microloan program providing 0% interest loans through Kiva to Wisconsin entrepreneurs with limited access to capital; FACC assists borrowers through the Kiva loan process.
• Business Loan Readiness Workshop Workshop equipping Wisconsin entrepreneurs with the knowledge and tools needed to navigate the loan process from application to signing, covering funding options, lending processes, and loan package preparation.
• Profit Mastery Program Comprehensive financial performance system delivered in two-day sessions for established small business owners, providing financial management and business planning education.
• One-to-One Business Counseling Personalized technical assistance including business planning, loan packaging, financial management, periodic business performance reviews, and ongoing mentorship throughout the business lifecycle for FACC clients.
• Annual DBE Workshop and Networking Summit Annual workshop and networking event for Disadvantaged Business Enterprise (DBE) certification holders to showcase companies, identify potential customers, expand networks, and generate new business opportunities.
• Rooted & Rising: Indigenous Business Planning Series Business planning series focused on Indigenous entrepreneurs, providing guidance and resources for starting and growing Native-owned businesses.
• Client Portal Online portal hosted on the Vistashare platform that enables FACC clients to access their accounts, manage loans, and interact with FACC services.

Quantifiable outcome

• FACC provided one of the largest series of business expansion loans in its history to About Time Moving Systems
• +3 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and supporting.

• American Indian Chamber of Commerce of Wisconsin (AICCW)coreStrategic or Co-development PartnerFACC was created in 2002 by AICCW and maintains close ties with the chamber. AICCW serves as a referral source and strategic partner in supporting Native-owned businesses throughout Wisconsin.
• Ashland Area Development CorporationsupportingStrategic or Co-development PartnerCollaborates with FACC to provide comprehensive business support to rural Wisconsin entrepreneurs, including loan readiness guidance and access to SBA programs.
• Horicon BanksupportingStrategic or Co-development PartnerHoricon Bank is a new donor to AICCW and has identified AICCW as an Impact Partner. The relationship provides FACC clients opportunity to transition to conventional banking as they grow.
• Wisconsin Procurement InstitutesupportingStrategic or Co-development PartnerCollaborator providing resources and support for Wisconsin businesses, particularly around government contracting.
• We Grow Biz (The Development Association)supportingStrategic or Co-development PartnerCollaborator providing business development resources and support to Wisconsin entrepreneurs.
• GLITC (Great Lakes Inter-Tribal Council)supportingStrategic or Co-development PartnerGLITC provides links to all eleven federally recognized tribal websites in Wisconsin, supporting FACC's outreach to Native communities.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Kiva: Global 0% interest microloan platform that FACC already partners with. Kiva compares as a crowdfunding-based microloan intermediary serving underserved borrowers, though at vastly larger scale and global reach.
• CDC Small Business Finance: California-based SBA Community Advantage lender and CDFI providing SBA 504 and 7(a) loans to small businesses. Comparable to FACC's CA SBLC license and SBA-mediated lending, but operating at significantly larger scale and broader geographic scope.

Direct peers

• Forward Community Investments: Wisconsin CDFI providing loans and investments to underserved communities and mission-driven organizations. Operates in the same Wisconsin geography with overlapping CDFI lending and impact-driven approach.
• Justine Petersen: St. Louis-based SBA Microloan intermediary and CDFI providing small-dollar business loans and business development services to underserved entrepreneurs. Comparable to FACC in microloan intermediation and integrated technical assistance model.
• Hope Credit Union: Mississippi-based CDFI credit union providing loans, deposits, and financial services to underserved communities across the Deep South. Comparable to FACC in mission-driven lending to disadvantaged populations and integrated financial capability services.
• Pacific Community Capital: California-based CDFI providing SBA Microloan and Community Advantage loans to underserved small businesses. Comparable to FACC in SBA intermediary lending and technical assistance delivery to minority and low-income entrepreneurs.
• Oweesta Corporation: National Native CDFI intermediary providing capital, training, and technical assistance to Native CDFIs. FACC is itself an Oweesta partner; Oweesta compares to FACC's NCDFI delivery model and borrower segment focus.
• Wisconsin Women's Business Initiative Corporation (WWBIC): Wisconsin-based CDFI providing small business loans, technical assistance, and education to underserved entrepreneurs. Directly comparable to FACC as a state-level CDFI offering SBA Microloan-style products and integrated business support services.

Regional players

• Native American Bank: National Native-owned community bank providing business and consumer banking services to Native communities. Comparable to FACC's mission of serving Native borrowers, but operates as a chartered bank with deposit-taking authority that FACC lacks.
• NDN Collective: National Native-led nonprofit providing grantmaking, lending, and capacity-building to Indigenous communities. Comparable to FACC in Native-community focus and nonprofit lending model, though operating with grantmaking as a primary lever rather than SBA-mediated lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/FACCWI
• LinkedInlinkedin.com/company/first-american-capital-corporation

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 First American Capital Corporation, Inc.