Transforming The digital

lending landscape
One loan at a time

Invest in loans that benefit small businesses
and start-ups in under-served and
often overlooked markets.

ACT streamlines and expedites the lending process

ACT’s access-to-capital technology serves as a virtual loan officer for a variety of industries. By expertly matching applicants with the market’s best products, ACT streamlines and expedites the lending process. The benefit to clients: more resources to support more customers and scale their business.

How Our Technology Can Support Your Organization

Lenders

Our digital lending tool can be customized to the requirements of specialized lenders, community lenders, credit unions, and banks.
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Property

Residential and commercial property managers can use our platform to screen prospective buyers and tenants.
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Government

Federal, state, and municipal institutions can implement our platform for funding and grant matching, security, and validation purposes.
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Other Sectors

Our platform is infinitely flexible, adaptable to needs across a variety of industries, reducing manual business processes and costs.  
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User Driven Technology

  • Open, flexible, user-friendly 
  • Deployed within hours 
  • Plugs into any business model 
  • User controls entire workflow  
  • Applicable in multiple sectors 

A Commitment to Underserved Communities

Supporting non-profits and the markets they serve

Our products help community lenders, industry organizations, and other non-profits simplify, automate, drive scale, and cut costs, a benefit to both them and their clients.

Innovative loan programs that earn banks CRA credit

Banks can invest in ACT’s loan buy-down and loan fund programs for small businesses in underserved markets, qualifying banks for Community Reinvestment Act (CRA) credit.

See What Our Partners Say About Us

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Featured News

Meet Our Team

Luther Branham

Luther Branham

Co-Founder & Managing Partner

> see profile

Robert Kraft

Robert Kraft

Co-Founder & Chief Technology Officer

> see profile

John Card

John Card

Business Development

> see profile

We are fintechentrepreneurs with deep financial services experience.  

Luther Branham, Robert Kraft, and John Card bring a wealth of experience to ACTCapital, combining their strengths in financial services, technology innovation, and management. Luther, with his background in building innovative organizations and expertise in digital lending, alongside Robert’s experience in cloud system architecture, system security, and data management, provide a solid technological foundation. John adds to the mix with his proven track record in management, driving growth, and development in new markets. Together, they leverage their collective experiences from banking, fintech, and cybersecurity to drive ACTCapital’s mission forward, demonstrating a strong blend of entrepreneurial spirit, technical acumen, and strategic vision.