Community Investment Notes

Access Community Investment Notes

Offering Memorandum and Application

The Access Community Investment Note (ACIN) is only available to accredited investors. All investors must review the offering memorandum before considering an investment with Access Community Capital. Investors should read the offering memorandum in conjunction with the disclosures in the investment application carefully before investing.  Please be advised this is not an offer to sell a security or investment. 

In the application, investors or eligible third parties acting on their behalf, will be required to provide verification and/or documentation to confirm their status as accredited investors.  The federal securities laws define the term accredited investor in Rule 501 of Regulation D and as amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act as:

  • a bank, insurance company, registered investment company, business development company, or small business investment company;
  • an employee benefit plan, within the meaning of the Employee Retirement Income Security Act, if a bank, insurance company, or registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million;
  • a charitable organization, corporation, or partnership with assets exceeding $5 million;
  • a director, executive officer, or general partner of the company selling the securities;
  • a business in which all the equity owners are accredited investors;
  • a natural person who has individual net worth, or joint net worth with the person’s spouse, that exceeds $1 million at the time of the purchase, or has assets under management of $1 million or above, excluding the value of their primary residence;
  • a natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year; or
  • a trust with assets in excess of $5 million, not formed to acquire the securities offered, whose purchases a sophisticated person makes.

How to Invest
With a minimum investment of $25,000, you can invest in local communities while earning a financial return. Here’s how:

  • Notional amounts: $25,000 to $250,000
  • Review Prospectus: Download and review the Impact Note Prospectus
  • Rate and Term: Choose a rate and term combination from the list below that meets your investment goals
  • Apply: To make an investment in the Access Investment Note, complete our Investment Application and send it to Nic Steele, Executive Director, (
Term Interest Rate*

The Access Community Investment Note is subject to risks, which are described in our prospectus. This is not an offer to sell you our securities and we are not soliciting you to buy our securities. We will offer and sell our securities only in states where authorized. The offering is made solely by the prospectus, which should be read before investing. The Access Community Investment Note is not FDIC or SIPC insured.

To make an investment in the Access Investment Note, complete our Investment Application and send it to Nic Steele, Executive Director, (