Entre Capital – transforming re-entry finance
Texas CDFI · Second-chance business loans

Without a criminal record, we can’t lend you money.

Entre Capital is the first community loan fund exclusively serving second-chance businesses: business owners with a felony conviction.

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Since inception

Our impact so far

Updated November 3, 2026

$2,823,945Total loanedFunded loans & lines of credit
89Loans madeFunded since inception
[CONFIRM]Borrowers servedUnduplicated count to be confirmed
8%RecidivismPEP graduates, three-year rate [CONFIRM]
The problem we solve

For people coming home, freedom isn’t as simple as completing a sentence.

Having a criminal record is a constant red flag, making it nearly impossible to secure small business financing.

With the U.S. holding the world’s highest incarceration rate, this reality creates an opportunity to transform the industry standard for commercial loans.

Entre Capital team and borrowers standing together
33%of the American adult working population has a criminal record
650,000+people are released from prison every year
50–65%of employers will not contact a job applicant who has an arrest record
Our borrowers

If you’re ready to go, let’s grow!

At Entre Capital, we believe people coming home are more than a statistic. Our borrowers rock the house.

They’re Hardened

Starting a business is hard. There are only two types of entrepreneurs—those who have been knocked down and those who are about to be. Our borrowers have already been down, multiple times, and are now modeling how to get back up.

They’re Coachable

Mentored businesses survive 2x longer than those which aren’t (source: SBA 2020 study). We combine competitively priced loan products with business mentoring and financial training. We live this together.

They Pay It Forward

We don’t ask it; just hear it. All of our borrowers define success by the financial opportunity they’re creating for their brothers and sisters. We prime the pump—our borrowers carry the water.

Loan products

Fair, accessible capital to build your business.

We look beyond your history to focus on your future. Every loan is paired with a volunteer business coach.

Microloan

Microloans

Best for working capital or inventory.

Loan amount
$5,000 – $20,000
Term
2 – 4 years
Fees
Waived
Security
Unsecured

Interest rates below market rate.

Equipment

Equipment Loans

Best for purchasing machinery, vehicles, or heavy equipment.

Loan amount
$25,000 – $200,000
Term
3 – 5 years
Fees
Waived
Security
Secured

Interest rates below market rate.

Take our Loan Readiness AssessmentLoan details
Our story

We started in prison.

Entre Capital is the wholly owned CDFI subsidiary of The Prison Entrepreneurship Program (PEP). The values and success of PEP underpin our success.

  • Since 2004, PEP has served more than 3,000 men in Texas prisons with a comprehensive in-prison and post-release reentry program, providing a true second chance through personal accountability and life transformation.
  • One hundred percent of PEP graduates are employed within 90 days of release, at an average starting wage 68 percent above the minimum wage.
  • Over 500 businesses have been launched by PEP graduates, several generating annual revenues over $1 million.
  • PEP graduates have a three-year recidivism rate of 8 percent.
Meet our team
Business owner at work
Capital strategy

Inclusion through connectivity.

Capital availability is not the problem. We just need to connect the pieces.

Impact Investors

As a non-profit entity, we offer social impact investors an immediate multiplication: every $1 tax-deductible donation translates to $8 of impact.

Bank Partnerships

Entre’s CDFI certification facilitates leverage through our partner banks, as our borrowings satisfy all regulatory requirements of the Community Reinvestment Act.

Credit Transformation

We go where no traditional lenders have gone before by wrapping developmental services around commercial loan products.

Pay It Forward

As our portfolio amortizes, we multiply again. Rinse, repeat.

Tools

The right resources can make all the difference.

It starts with money. But our success is measured by yours.

Affordable Pricing

  • Flexible terms
  • Collateral-based pricing
  • No penalties or hidden fees

Business Formation

  • Startups—no problem
  • Include organizational costs
  • Business planning and budgets

Financial Reporting

  • QuickBooks Online reseller
  • Bookkeeping assistance
  • Monthly reporting

Mentorship

  • Volunteer advocates
  • Technical resources
  • Cover your six
Our experience

Giving back is more powerful than giving in.

With decades of collective experience in finance, industry, and community relations, Entre Capital is uniquely qualified to provide seasoned advocacy for people coming home from prison. Our contributors include bank presidents, loan officers, C-suite executives, authors, and entrepreneurs.

Donate todayVolunteer to coach
“Everyone loves Habitat for Humanity, but that doesn’t mean we all need to work on houses to build our community. There’s something extra powerful that happens when we can utilize our real vocational skills in kingdom service.”—Entre Capital contributor
Partners & supporters

Trusted by the institutions that believe in second chances.

PEPTBK BankSagamore InstituteCommunities Foundation of TexasOpportunity Finance NetworkPeopleFund

All partners

Ready to take the first step?

The Loan Readiness Assessment is not a loan application. It tells us, and you, how ready your business is for funding and what support would help.

Take our Loan Readiness AssessmentDonate