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Appalachian Community Capital Corporation

Appalachian community capital's (acc) mission is to increase small business lending by providing appalachian member institutions that serve underserved people and communities with new sources of capital.

$3.6M
Granted FY2020
30
Grants FY2020
13
States reached
$200k
Largest
01What you fundRead
02The needRead
03Your fieldRead
04Through PlinthRead
01What you fund
01FY2020 · 30 grants

Where the money goes

Your grants by size, and where they go.

The 30 grants below total $3,464,825 — the rows itemised in this filing. The $3,569,825 headline is the total grant expense reported on the return, so the remaining $105,000 is giving the schedule does not break out: grants under the $5,000 itemisation floor, grants to individuals, and grants reported on other schedules. Every figure below describes the itemised rows only.

By grant size · FY2020

  • $10k–50k1 grant · $40k
  • $50k–250k29 grants · $3.4M
$120,000
Median grant
13
States reached
$543M
Total assets
Largest grants
RecipientAmount
FEDERATION OF APPLACHIAN HOUSING INC$200,000
NATURAL CAPITAL INVESTMENT FUND INC$200,000
SOUTHEAST COMMUNITY CAPITAL CORPORATION$166,000
BRIDGEWAY CAPITAL INC$150,000
APPALACHIAN GROWTH CAPITAL$150,000
ACCESS TO CAPITAL FOR ENTREPRENEURS$150,000
THREE RIVERS PLANNING AND DEVELOPMENT DISTRICT$150,000
COMMUNITY VENTURES CORPORATION$135,000
SABRE FINANCE$134,000
KENTUCKY HIGHLANDS INVESTMENT CORPORATION$130,000
MOUNTAIN ASSOC FOR COMMUNITY ECONOMIC DEVELOPMENT$125,000
SC COMMUNITY LOAN FUND$125,000
VIRGINIA COMMUNITY CAPITAL$125,000
ALTERNATIVES FEDERAL CREDIT UNION$120,000
MOUNTAIN BIZCAPITAL INC$120,000
02The need
02

Do your dollars go where the need is?

Each grant placed by the hardship in its grantee’s ZIP, then read against the area’s typical level.

show:

Your human-services grants (FY20–20, $200k) land where the poverty rate runs at 9%, against an area that typically sits at 11%. 0% of those dollars go to grantees based in above-average-need neighborhoods. Your grants skew toward lower-need ZIPs.

area typical 11%NATURAL CAPITAL INVESTMENT FUND INC: $200k → 9%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount

Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty linein the grantee’s ZIP, averaged from the tracts in that ZIP; grantee ZIP can differ from where services are delivered.

Which US states your grants reach

NY
OH
PA
KY
WV
VA
TN
NC
SC
MS
AL
GA
TX

US grants placed by each grantee’s ZIP, which can differ from where services are actually delivered. Need from public data — U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA — shown as context about the area, never attributed to your giving.

03Your field

The map has a center of gravity: the average direction from the rest of the sector toward the organizations the foundation funds — the shape of its giving. Scoring every nonprofit along that direction surfaces the ones that look most like the portfolio. These are the closest matchesthat aren’t grantees — a resemblance in what they say they do, not a recommendation.

1
Appalachian Community Capital Development Foundation

To increase small business lending by providing appalachian member institutions that serve underserved people and communities with new sources of capital.

Philanthropy
2
Barberton Community Development Corporation

To provide assistance to small businesses

Community Improvement
3
Community Capital of Vermont

To help small businesses and lower income entrepreneurs prosper through the provision of flexible business financing.

Community Improvement
4
Racine County Economic Development Corporation

To provide economic development services including business recruitment, expansion, business financing, community and workforce development.

Human Services
5
Small Business Development Corporation of Orange County

To provide financial assistance to small businesses. the organization is primarily involved in economic development lending activities providing state loan guarantees to bank and non-bank lenders through the state loan guarantee program…

Community Improvement
6
Community Loan Fund of the Capital Region Inc

Community development financial institution that links socially concerned investors with community needs by making affordable housing, community and economic development loans to nonprofit orgs, small businesses and low/moderate income…

Housing & Shelter
7
Acc Capital Inc

Acc capital is a private nonprofit financial leader on a mission for economic change. we are dedicated to empowering entrepreneurs and uplifting communities with accessible loans, resources, and over 68 years of experience.

—
8
Southern Bancorp Capital Partners

Creating economic opportunities in distressed rural communities.

—
9
First Community Capital Inc

First Community Capital, Inc. (FCCI) is a certified Community Development Financial Institution (CDFI) dedicated to expanding access to affordable capital and technical assistance for small businesses and individuals, with a focus on low-…

Employment
10
Addison County Economic Development Corporation

To create an entrepreneurial and innovative environment, nurturing business to launch, grow, and thrive.

—
11
Vermont Community Loan Fund

Investing in people and communities to create a just and thriving vermont

Housing & Shelter
12
Shenandoah Community Capital Fund Inc

Sccf's vision is to help build a more accessible and equitable ecosystem for entrepreneurs and small business owners in the shenandoah valley of virginia.

Community Improvement

For reference, the grantee most central to the portfolio’s shape is Partner Community Capital Inc and the most unlike its peers is Three Rivers Planning & Development District. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.

Your grantees are a median of 27 years old; the field is 16. You back the established end — and your money leans older still.

THE FIELDby orgYOUR GRANTEESby number22%0%<5yr14%0%5–10yr19%20%10–20yr16%44%20–35yr13%36%35–55yr16%0%55yr+
THE FIELDby orgYOUR MONEYby value22%0%<5yr14%0%5–10yr19%13%10–20yr16%47%20–35yr13%40%35–55yr16%0%55yr+

The field is 22% startups (under 5 years old) — 0% of your grantees by number, and just 0% of your money.

Closures · last 5 years

The orgs you fund almost never close — 0.0% lost their exemption, against 13% of the field you don’t fund.

orgs you fund
0.0%0/30
the rest of the field
13%
240,396/1,819,535

Age = years since IRS exemption (a founding proxy). “Closed” = auto-revocation for 3 years of non-filing — a floor on closure, not proof, and bigger established orgs lapse least. Association, not causation.

03the grantee network

26 grantees tracked through their own filings, 2017–2025.

Each one resolved to its own IRS returns and tracked year by year — your grant beside their revenue from every source. Association, dated; never a causal claim.

Counted here: distinct organizations you funded across 2017–2025, not grant rows in a single year — so this will not match the grant count on the cover. 26 of the 30 grantees resolved in that span have returns of their own we could reconcile; the rest are funded organizations whose filings we could not track year by year.

0
Load-bearing (≥25% of a budget)
5
Early backer (in before they grew)
26/26
Grantees still filing
18/26
Grew since you first funded

Where your money sits — by cause, then by grantee

ACCESS TO CAPITAL FOR ENTREPRENEURS INC — $150,000 · Community ImprovementACCESS TO CAPITAL FOR ENTREPRENEURS INCBRIDGEWAY CAPITAL INC — $150,000 · Community ImprovementBRIDGEWAY CAPITAL INCTHREE RIVERS PLANNING & DEVELOPMENT DISTRICT — $150,000 · Community ImprovementTHREE RIVERS PLANNING & DEVELOPMENT DISTRICTCOMMUNITY VENTURES CORPORATION — $135,000 · Community ImprovementCOMMUNITY VENTURES CORPORATIONSABRE FINANCE INC — $134,000 · Community ImprovementSABRE FINANCE INCLOCUS IMPACT FUND — $125,000 · Community ImprovementLOCUS IMPACT FUNDMOUNTAIN ASSOCIATION FOR COMMUNITY ECONOMIC DEVELOPMENT INC — $125,000 · Community ImprovementMOUNTAIN ASSOCIATION FOR COMMUNITY ECONOMIC DEVELO…SOUTHEAST KENTUCKY ECONOMIC DEVELOPMENT CORPORATION INC — $120,000 · Community ImprovementSOUTHEAST KENTUCKY ECONOMIC DEVELOPMENT CORPORATIO…PEOPLE INCORPORATED FINANCIAL SERVICES INC — $115,000 · Community ImprovementPEOPLE INCORPORATED FINANCIAL SERVICES INCLIFTFUND INC — $90,000 · Community ImprovementLIFTFUND INCWoodlands Community Lenders Inc — $80,000 · Community ImprovementPiedmont Business Capital — $70,000 · Community ImprovementREGIONAL ECONOMIC DEVELOPMENT AND ENERGY CORPORATION — $65,000 · Community Improvement+1 more — $40,000 · Community ImprovementAPPALACHIAN DEVELOPMENT CORPORATION — $150,000 · OtherAPPALACHIAN DEVELOPME…KENTUCKY HIGHLANDS INVESTMENT CORP — $130,000 · OtherKENTUCKY HIGHLANDS IN…ALTERNATIVES FEDERAL CREDIT UNION — $120,000 · OtherALTERNATIVES FEDERAL …CHAUTAUQUA COUNTY IDA — $115,000 · OtherCHAUTAUQUA COUNTY IDANEW RIVER GORGE REGIONAL DEVELOPMENT AUTHORITY — $80,000 · OtherNEW RIVER GORGE REGIO…WYOMING COUNTY EDA — $60,825 · OtherWYOMING COUNTY EDAFEDERATION OF APPALACHIAN HOUSING ENTERPRISES INC — $200,000 · Housing & ShelterFEDERATION O…South Carolina Community Loan Fund — $125,000 · Housing & ShelterSouth Caroli…COMMUNITYWORKS INC — $70,000 · Housing & ShelterCOMMUNITYWOR…MOUNTAIN BIZCAPITAL INC — $120,000 · PhilanthropyMOUNTAIN …FOUNDATION FOR APPALACHIAN KENTUCKY INC — $112,000 · PhilanthropyFOUNDATIO…FINANCE FUND CAPITAL CORPORATION — $50,000 · PhilanthropyFINANCE F…PARTNER COMMUNITY CAPITAL INC — $200,000 · Human ServicesSOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING — $166,000 · EmploymentTHE CENTER FOR RURAL HEALTH DEVELOPMENT INC — $117,000 · HealthCarolina Small Business Development Fund — $100,000 · Public Benefit
Community Improvement$1,549,000Other$655,825Housing & Shelter$395,000Philanthropy$282,000Human Services$200,000Employment$166,000Health$117,000Public Benefit$100,000

Each org by its size and your share of it — top-left is where you’re load-bearing

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ your share of their budgetPARTNER COMMUNITY CAPITAL INC — $200,000 over 1y, 2.9% of budgetFEDERATION OF APPALACHIAN HOUSING ENTERPRISES INC — $200,000 over 1y, 1.6% of budgetSOUTHEAST COMMUNITY CAPITAL CORPORATION D/B/A PATHWAY LENDING — $166,000 over 1y, 0.8% of budgetAPPALACHIAN DEVELOPMENT CORPORATION — $150,000 over 1y, 19% of budgetACCESS TO CAPITAL FOR ENTREPRENEURS INC — $150,000 over 1y, 0.8% of budgetBRIDGEWAY CAPITAL INC — $150,000 over 1y, 1.1% of budgetCOMMUNITY VENTURES CORPORATION — $135,000 over 1y, 1.1% of budgetSABRE FINANCE INC — $134,000 over 1y, 21% of budgetKENTUCKY HIGHLANDS INVESTMENT CORP — $130,000 over 1y, 1.9% of budgetSouth Carolina Community Loan Fund — $125,000 over 1y, 2.5% of budgetLOCUS IMPACT FUND — $125,000 over 1y, 1.6% of budgetMOUNTAIN ASSOCIATION FOR COMMUNITY ECONOMIC DEVELOPMENT INC — $125,000 over 1y, 3.0% of budgetSOUTHEAST KENTUCKY ECONOMIC DEVELOPMENT CORPORATION INC — $120,000 over 1y, 4.3% of budgetMOUNTAIN BIZCAPITAL INC — $120,000 over 1y, 2.3% of budgetTHE CENTER FOR RURAL HEALTH DEVELOPMENT INC — $117,000 over 1y, 14% of budgetPEOPLE INCORPORATED FINANCIAL SERVICES INC — $115,000 over 1y, 4.9% of budgetFOUNDATION FOR APPALACHIAN KENTUCKY INC — $112,000 over 1y, 1.7% of budgetCarolina Small Business Development Fund — $100,000 over 1y, 1.8% of budgetLIFTFUND INC — $90,000 over 1y, 0.1% of budgetWoodlands Community Lenders Inc — $80,000 over 1y, 7.0% of budgetPiedmont Business Capital — $70,000 over 1y, 5.1% of budgetCOMMUNITYWORKS INC — $70,000 over 1y, 0.9% of budgetREGIONAL ECONOMIC DEVELOPMENT AND ENERGY CORPORATION — $65,000 over 1y, 16% of budgetFINANCE FUND CAPITAL CORPORATION — $50,000 over 1y, 0.7% of budgetVALDESE ECONOMIC DEVELOPMENT INVEST CORPORATION — $40,000 over 1y, 12% of budget
Go grantee by grantee — a decade per org, and how each moved after you funded them

A decade per grantee — revenue shaded, your grants as bars, all rows on one timeline.

The grantmakers whose grantees overlap with yours far more than size alone predicts. Each orbits closer the stronger the alignment; the arcs between them show where they also fund each other. Here it reads as a tightly interlocked camp — most of these funders back each other's grantees too.

Opportunity Finance N…Mary Reynolds Babcock…The Winston-Salem Fou…Appalachian Community…Truist Foundation IncThe Goldman Sachs Fou…Claude Worthington Be…Wells Fargo FoundationAppalachian Developme…Rural Economic Develo…Community Reinvestmen…Nc Idea
Opportunity Finance NetworkDC40.6× affinity17 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Opportunity Finance Network · Mary Reynolds Babcock Foundation Incorporated · The Winston-Salem Foundation · Appalachian Community Capital Development Foundation · Truist Foundation Inc · The Goldman Sachs Foundation · Claude Worthington Benedum Foundation · Wells Fargo Foundation · Appalachian Development Alliance Inc · Rural Economic Development Center Inc · Community Reinvestment Fund Inc · Nc Idea

Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. A research starting point: overlap is association, not proof of shared intent.

Government reliance of your grantees

Every dot is one organization Appalachian Community Capital Corporation funds. Left–right is the share of its income from government; up–down is the share from you. Bigger dots raise more. Filter to federal or a single department — and drag the year to watch it move.

2024
’20’21’22’23’24’25
no gov · 00%2%6%14%25%your share of their income ↑0%25%50%75%100%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    5report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    typical government reliance, FY20–25

    Government income is each org’s traced federal awards (USASpending — grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that your grant caused the public funding. Coverage is precision-first — a floor, not a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12–24 months.

    04Through Plinth

    Warm introductions · Powered by PlinthPlus

    How do I get to Appalachian Community Capital Corporation?

    Find your warmest path to Appalachian Community Capital Corporation through trustees and officers whose names appear on both boards. Search for your organization and Plinth traces the shortest route it can evidence.

    Each link is a name appearing on two organizations’ public IRS 990 filings, matched on that name and, where the filings support it, on location. A same-state match has geographic support, which is a second matching feature rather than confirmation that the two are one person; a cross-state one is the likeliest to be two people who share a name. Every hop shows its tier, low-confidence and distant paths are held back rather than guessed, and it is worth confirming the person before you use the introduction.

    On method. Every financial figure here is read directly from IRS e-file XML — your own 990/990-PF and the multi-year returns of the 30 grantees we resolved across every year we hold, several hundred filings in all (a different count from the grant rows on the cover, which are one fiscal year)— each linked to its source. Grantee achievements and outcomes are each organization’s own program-service reporting (Form 990, Part III); we read these as association with sustained funding — the foundation is one of several forces — suppress low-confidence name matches rather than guess, and say so where a figure rests on a single grant or filing. Not everything on this page is a filed figure, and the difference matters. Filed is what you reported on your return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears. How we build these →

    Generated from your IRS Form 990 e-file return for fiscal year 2020, released 2020. Filings run roughly 12–24 months behind; figures are dated accordingly.

    Possibly out of date. A more recent filing (FY2024) is on record and reports no grant expense, so the figures above are from FY2020, the most recent year this funder made grants.

    Source object · view filing

    More from the funding graph

    The unnamed billions
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    The regranting layer
    51% of grant dollars land in the regranting layer
    The DAF merry-go-round
    $9.7B circulates between donor-advised funds
    The camps
    funders cluster by geography, not ideology
    By state
    where grant money is based, and what stays home
    State money flows
    the interactive map of money crossing state lines