OUR MISSION
ACT Capital empowers individuals, startups, and small businesses in underserved and often overlooked communities with needed capital, funding, training, and mentorship to help them achieve their full potential and business success.
Our Focus
ACT Capital matches small businesses across the United States with resources and loans funded by banks, individuals, and other third parties. We thereby support the work of community lenders, Community Development Financial Institutions (CDFIs), and other financial institutions in alignment with our mission. Formed in September 2023, ACT Capital is a 501(c)(3) not-for-profit organization.
Our Clients
We support small businesses in underserved markets that meet Community Reinvestment Act (CRA) guidelines, including startups, businesses with annual revenue under $1 million, and equipment loan sizes of $250,000 and below.
Our Partners
As part of our commitment to supporting underserved communities, we are developing small grant and interest rate buy-down programs to support small businesses nationwide. We expect the new program to launch in 2024.
Luther Branham
Luther’s career in banking has spanned top brands like Bank One /Chase Bank, and USAA, followed iLendx, a financial technology company he co-founded and which was acquired by Fiserv. Throughout his career, he has supported nonprofits including Community Development Financial Institutions (CDFIs), microlenders, and other community development organizations. He served on the board of LiftFund, the largest microlender in the U.S., first as a board member, then as market president for North Texas. Later he joined the board of Austin-based PeopleFund, where he now serves as board chair. He is co-founder of Access Capital Technologies, a technology company supporting community lenders and the underserved markets, and is the managing director of ACT Capital.
Rob Kraft
Rob has a long career in technology, primarily in the financial services, banking, and nonprofit sectors, first as founder and CEO of his own businesses and then as Chief Architect and CTO for financial technology companies including fintech startup iLendx, which was acquired by Fiserv. He is currently co-founder of Access Capital Technologies, a technology company supporting community lenders and the underserved markets, and serves as a director of ACT Capital.
John Card
John is an accomplished management executive with a track record of creating unique solutions to help small businesses and non-profit organizations drive growth and thrive in their markets. After launching his career in banking, John embarked on a successful executive career with TransUnion, where he led several product teams. His team created solutions to help small businesses grow revenue, find affordable capital sources, and connect business owners to organizations that look out for the best interests of newly founded small businesses across the U.S. He is deeply skilled in all aspects of credit decisioning, as well as digital acquisition, risk management, and compliance.