Annual Report 2025

A Letter to Our Community

Support. Resilience. Trust.

In 2025, we built on the lessons of a decade and the convictions of a mission that is now thirty-five years strong. We didn't just lend — we stood close. We didn't just respond — we stayed. We didn't just innovate — we invested in the people who carry our work forward.

2025 was a year of pressure. Macroeconomic uncertainty and tighter credit conditions tested small business owners and CDFIs alike. We made a deliberate choice: to prioritize stability over volume, depth over speed, and the long-term health of our clients over the metrics of any single quarter. We deployed $15M in capital across 706 loans. What matters more is what came with it: 8,500+ hours of pre-loan financial coaching and 3,050+ hours of post-loan technical assistance, reaching more than 5,900 small business owners in all. That is what standing with clients looks like.

2025 also marked a turning point in how we share what works. With the release of the Get Ready Research Brief — Part One, we translated relationship-driven practice into shared field knowledge: documented evidence that when timely capital meets one-on-one coaching, financial trajectories shift. And beyond direct service, we brought the lived realities of small business owners into national conversations — from the OFN Small Business Finance Forum to the Federal Reserve Bank of New York, from NALCAB's Policy Forum to a state-level briefing with Governor Maura Healey of Massachusetts. Standing with clients meant speaking on their behalf where decisions are made.

But 2025 also asked us to look inward. We launched our first organization-wide engagement survey, formalized our talent management philosophy, and started the migration to a new AI-ready loan operating system. Behind every loan, every coaching conversation, every relationship Ascendus builds with the entrepreneurs we serve, there is an Ascender. In 2025, we invested in them with the same care we have always invested in our clients.

By year-end, the choice paid off. We closed FY2025 stronger than we opened it: $1.58M in net asset growth, a net asset ratio of 29.9% (up from 23% the year before), and a portfolio that steadied as charge-offs trended down. Durable impact is built by standing together, especially when it matters most.

Thank you for walking this way up with us.

Yours in financial ascension for all,

Paul Quintero
Chief Executive Officer
Daniel Delehanty
Board Chair

Support That Unlocks Access

Behind every number is a person — a family, a business, a community. Throughout 2025, we deployed capital alongside the trusted relationships entrepreneurs needed to stabilize their businesses and protect hard-earned progress. Across every program and market, deployment was guided by a relationship-driven approach that prioritized fit, timing, and decisions that drive durable impact over volume.

How We Showed Up

$15M+
Capital Deployed
706
Loans Deployed
$21K
Average Loan Size
5,900+
Small Business Owners Supported
Lending + Coaching
8,500+
Hours of Pre-Loan Coaching
3,050+
Hours of Post-Loan TA

Where We Showed Up

% of Loans Deployed
New York Region
288 loans
41%
Florida
198 loans
28%
New England
132 loans
19%
Rising Markets
88 loans
12%
Each point represents one loan disbursed in 2025.

Who We Served

Ethnicity & Race
Gender
Income

Explore by region

Click a region to see its specific KPIs and demographic breakdown.

Regional Breakdown

$6.5M+
Capital Deployed
288
Loans Deployed
$23K
Average Loan Size
1,823
Small Business Owners Supported
3,095+
Hours of Pre-Loan Coaching
1,240+
Hours of Post-Loan TA

Regional Demographics

Ethnicity & Race
Gender
Income
Emiliano Portino

Brewing Belonging from Bean to Cup

Christian Felipe Guzmán Herrera

One day, we decided to migrate in search of better opportunities. After many experiences, we realized that the best job is the one that brings joy to your soul. That is how Pueblo Querido was born.

Connected to Ascendus through a referral from TD, Christian secured a $52,000 loan during the heights of the pandemic. This critical working capital allowed the family-run roastery to sustain operations, cover payroll, and protect their direct-trade model when it mattered most. Today, Pueblo Querido operates across four market sectors, bridging small Colombian farmers with US communities—one cup at a time.

Read Christian's full story

The Ascendus loan has been such a blessing. Working with Jessica made the process go very smoothly and quickly. Appreciate the clear communication and kindness.

Stacie Smith • 2025 • With Jessica Mojica

Regional Breakdown

$4.2M+
Capital Deployed
198
Loans Deployed
$22K
Average Loan Size
1,702
Small Business Owners Supported
2,460+
Hours of Pre-Loan Coaching
860+
Hours of Post-Loan TA

Regional Demographics

Ethnicity & Race
Gender
Income
Patricia Angel

Ten Years of Growth, Built with Intention

Patricia Angel

Working with Ascendus didn't only provide financing. It gave me clarity, structure, and the confidence to make better decisions.

Patricia Angel has spent the past decade building ZOLUT LLC into a trusted provider of uniforms, customized apparel, and school supplies for schools, businesses, and institutions across South Florida. What began as a seasonal operation gradually evolved into a diversified, strategic business. With support from Ascendus and guidance from loan consultant Fabiana Estrada, Patricia laid the foundation for a stronger, more sustainable company.

Read Patricia's full story
★ ★ ★ ★ ★

Excellent service. Adriana [Contreras] was patient and understanding. She was very helpful and made me feel comfortable, making the loan process a lot easier.

Dudley Thomas • CONTRACT ROAD LINES, INC • 2025 • With Adriana Contreras

Regional Breakdown

$2.7M+
Capital Deployed
132
Loans Deployed
$20K
Average Loan Size
513
Small Business Owners Supported
899+
Hours of Pre-Loan Coaching
570+
Hours of Post-Loan TA

Regional Demographics

Ethnicity & Race
Gender
Income
Richard Le

Purpose-Driven Design

Richard Le

Ascendus is agile and effective. The capital helped me almost clone myself, giving me the breathing room to focus on building better systems, marketing my services, and exploring a more accessible line for small businesses.

Connected to Ascendus through a referral from a trusted colleague, Rich worked alongside Loan Consultant Andrea to secure a loan to consolidate debt and invest in his business infrastructure. This strategic funding allowed him to transition from being stretched too thin as a sole creator to building sustainable operational systems for his human-centered design studio. Today, Rich is launching affordable, high-quality service lines specifically designed to empower other small businesses, scaling his impact while staying rooted in his core values.

Read Richard's full story

Andrea was my assigned agent. He is fantastic. He handled my matter with much efficiency and thoroughness, making the process seem like a breeze. My application was approved under 2 weeks. I highly recommend Ascendus.

Melnia Annero Cordis-Howell • MELNIA CORDIS LAW PC • 2025 • With Andrea Ierace

Regional Breakdown

$1.6M+
Capital Deployed
88
Loans Deployed
$18K
Average Loan Size
1,867
Small Business Owners Supported
2,110+
Hours of Pre-Loan Coaching
380+
Hours of Post-Loan TA

Regional Demographics

Ethnicity & Race
Gender
Income
Emiliano Portino

Plotting a Path to Growth

Emiliano Portino

If they had given me the loan right when I asked, I would've spent it patching holes instead of building something strong. Those six months, and the conversations with Fabi, gave me a new mindset. I learned that knowing your craft is not the same as knowing how to run a business.

Connected to Ascendus through partner organization Prospera, Emiliano spent six months working alongside Loan Consultant Fabiana Estrada to clean up credit, reorganize his business foundation, and build financial readiness — before any capital was deployed. Today, he is hiring, expanding, and laying the groundwork for sustainable growth.

Read Emiliano's full story

I highly recommend Ascendus to any entrepreneur in need of affordable capital without having to jump through a lot of hoops and providing loads of documents. Their application, review and approval process was fast and easy; I received the funds in my account a day after the loan documents were signed. Dorian Barrera was extremely supportive and responsive, answering questions, and fast-tracking the process so I could get a quick approval. I am thrilled to be their client and will refer other entrepreneurs to the organization. Thanks Dorian and the Ascendus team!.

Barbara Hall • Cullasaja Synergy Consulting, LLC • 2025 • With Dorian Barrera

Celebrating Milestones

Our support system is designed to meet entrepreneurs at different stages of their financial journeys. In 2025, this approach delivered measurable milestones across key programs — expanding access to capital and scaling deployment across multiple states.

Small Business Loans

Programmatic lending aligned to business readiness

Programmatic lending structured around business readiness, connecting entrepreneurs to capital that supports sustainable growth. In 2025, our small business loans delivered the foundation for standing with clients across every market.

414
Loans Deployed
$9.6M+
In Capital Deployed
$23,225
Average Loan Size

Regional Breakdown

147
Loans Deployed
$3.4M+
Capital Deployed
$23K
Average Loan Size
755
Jobs C&R

Small Business Loans include the state-led and partnership programs reported on the following pages. Figures in this breakdown cover Small Business Loans only. Regional totals on the map include every program in that region.

Logan Shield

Reclaiming Time, Building Growth

Logan Shield

It is amazing that programs like Ascendus are here, or else many small businesses wouldn't exist.

Connected to Ascendus through a referral from TD Bank after a traditional bank path was blocked by a single account dispute, Logan secured the funding needed to break through a growth stalemate. The loan allowed him to protect his savings while investing in new equipment, localized marketing, and expanding his team with a secretary, a cleaner, and a videographer. By offloading these operational tasks, the Marine Corps veteran reclaimed 12 hours a week of personal time, improved his quality of life, and is now structuring the business to open a second physical location for his biomechanics and pain-relief practice.

Read Logan's full story
152
Loans Deployed
$3.7M+
Capital Deployed
$24K
Average Loan Size
667
Jobs C&R

Small Business Loans include the state-led and partnership programs reported on the following pages. Figures in this breakdown cover Small Business Loans only. Regional totals on the map include every program in that region.

Alfredo Urdaneta Rosales

Seen, Respected, and Moving Forward With Structure

Alfredo Urdaneta Rosales

When I connected with Ascendus, I felt seen and respected. They understood my vision and gave me the chance to move forward with structure.

Connected to Ascendus through the Small Business Catalyst Fund—an initiative partnered with Fifth Third Bank and Community Reinvestment Fund, USA—Alfredo initially secured a $10,000 loan to break through capital barriers. The funding allowed him to enhance his physical training space, elevate targeted marketing, and improve digital client-tracking tools. Recognizing his steady growth, he accessed a second Ascendus product—a flexible line of credit—to seamlessly manage operational cash flow. Today, his holistic, tech-backed wellness practice provides critical, empathy-driven care to Miami families, post-surgery patients, and individuals managing chronic illnesses.

Read Alfredo's full story
84
Loans Deployed
$1.6M+
Capital Deployed
$19K
Average Loan Size
426
Jobs C&R

Small Business Loans include the state-led and partnership programs reported on the following pages. Figures in this breakdown cover Small Business Loans only. Regional totals on the map include every program in that region.

John Schall

From One Location to a Thriving Taqueria Empire

John Schall

You guys were there for me during the times of need, and I will never forget that. Ascendus demonstrated a strong commitment to understanding my business and enabling my next step, giving me the trust and effort I needed to open my doors.

Connected to Ascendus through a bank referral during a high-strain transition between restaurant concepts, John worked alongside Senior Vice President of Lending Andrea Ierace to secure his initial funding. This critical capital allowed him to complete the buildout of his first Harvard Square location and later expand to a second site, establishing the operational foundation for his fast-casual model. Today, John has scaled El Jefe's Taquería into a multi-state enterprise generating over $35 million a year, managing the business alongside his son while actively championing ethical business practices and local community fundraisers.

Read John's full story
31
Loans Deployed
$727K+
Capital Deployed
$23K
Average Loan Size
122
Jobs C&R

Small Business Loans include the state-led and partnership programs reported on the following pages. Figures in this breakdown cover Small Business Loans only. Regional totals on the map include every program in that region.

John

Creating a Brewery for Local Washingtonians

John "Jack" Guinn

With the loan we were able to complete the building of a second location. It also allowed us to buy new equipment that made the process of brewing easier and more efficient and allowed us to expand production.

Connected to Ascendus to navigate complex post-pandemic expansion costs, Jack secured a $150,000 loan through the Small Business Flex Fund. Co-founded in 2014 by a close-knit group of friends, the independent brewery originally established its footprint in an underserved Seattle neighborhood to offer an authentic, community-centric alternative to corporate beer tourism. When the pandemic threatened operations, loyal neighborhood patronage sustained their payroll until the business could safely pivot. The influx of Ascendus capital allowed the team to purchase advanced, high-efficiency brewing equipment to scale production while successfully financing the construction of a second restaurant and taproom location 120 miles away. Today, Jack leverages his stabilized operations to fund local food banks through dedicated charity beer releases while mapping out further regional distribution across Washington.

Read Jack's full story

Lines of Credit

Flexible working capital for cash flow and operations

Entrepreneurs managing cash flow have long needed a flexible product to smooth out the ups and downs of daily operations. Our revolving line of credit was designed to be responsive, repeatable, and ready when they are.

136
Lines of Credit Delivered
$3.4M+
In Capital Available
$25K
Average Loan Size

Regional Breakdown

87
LOCs Delivered
$2.3M
Capital Available
$26,190
Average Loan Size

Lines of Credit include the Get Ready lines reported on the following pages. Figures in this breakdown cover Lines of Credit only. Regional totals on the map include every program in that region.

Craig Watson

Cupcakes Worth Celebrating

Craig Watson

I never viewed it as just a retail store. I always saw where it could go. Securing a fixed-rate Line of Credit through Ascendus made sense. The service was better, the terms were better, and the relationship was more personal.

Connected to Ascendus to support his long-term expansion plans, Craig worked alongside Loan Consultant Juan Guzman to secure a fixed-rate Line of Credit. Instead of using capital reactively, he treated this funding as a strategic tool to manage operational flexibility, invest in product development, and update packaging without disrupting day-to-day stability. Today, Craig has successfully transformed Baked Cravings from a local nut-free bakery into a resilient, multi-channel brand with national shipping, built on a strong financial foundation and a deep commitment to serving his community.

Read Craig's full story
24
LOCs Delivered
$525K
Capital Available
$21,800
Average Loan Size

Lines of Credit include the Get Ready lines reported on the following pages. Figures in this breakdown cover Lines of Credit only. Regional totals on the map include every program in that region.

21
LOCs Delivered
$554K
Capital Available
$26,380
Average Loan Size

Lines of Credit include the Get Ready lines reported on the following pages. Figures in this breakdown cover Lines of Credit only. Regional totals on the map include every program in that region.

Jerry Joseph

Building Credit, Building Legacy

Jerry Joseph

From the bottom of my heart, I want to thank Ascendus, because this is something that I was looking for. I have a sister at Ascendus who is helping me make my goals come true in my business, my family, and my community.

Connected to Ascendus to build the credit profile required for long-term expansion, Jerry entered the Get Ready Program with an initial $500 line of credit. Working closely with his loan consultant, Neysa Cruceta, he established strong financial habits, successfully graduated to a $5,000 credit line, and unlocked eligibility for larger commercial financing. By utilizing the capital to boost his brand presence and digital marketing, the Haitian-born entrepreneur transitioned his catering business from merely maintaining to sustainably growing. Today, while operating out of a shared commercial kitchen with his wife and mother as head chefs, Jerry is leveraging his creditworthiness to transition Flynn Me into a dedicated food truck, creating local jobs and building a lasting family legacy.

Read Jerry's full story
4
LOCs Delivered
$101K
Capital Available
$25,250
Average Loan Size

Lines of Credit include the Get Ready lines reported on the following pages. Figures in this breakdown cover Lines of Credit only. Regional totals on the map include every program in that region.

Dr. Lisa T. Sistrunk

Credit as a Growth Strategy

Dr. Lisa T. Sistrunk

Through coaching from Ascendus, I learned how to use credit and gained knowledge, comfort, and confidence on how to best invest funds to grow my business. It feels amazing!

Connected to Ascendus after traditional banking avenues were closed due to credit hurdles, Dr. Lisa secured a $50,000 loan to scale her personal growth and technology training agency. The capital enabled her to update internal operating systems, pay vendors, and expand into the digital marketplace to self-fund and market her cornerstone youth program, the "I Am Girl Greatness Movement." Additionally, she became the first Ascendus client in Georgia to enroll in the Line of Credit Program, transitioning from a risk-averse model of using personal savings to utilizing credit as a strategic growth asset. Today, with over a decade of business experience backed by new financial tools, she is expanding her local Atlanta consulting services into a nationwide network that supports early adolescent girls in building self-awareness and life skills.

Read Dr. Lisa's full story (opens in a new tab)

Get Ready Program

Credit readiness and financial foundations

Introduced in 2023, Get Ready was built for entrepreneurs with no or damaged credit — individuals who face hurdles to even the most accessible forms of capital. Through a $500 initial line of credit that grows tenfold within six months, paired with one-on-one financial coaching, Get Ready builds credit readiness and financial foundations for those who need it most.  

See the full case study
70
Lines of Credit Delivered
$35K
In Capital Available
$500 → $5K
Growth Path Within 6 Months

Regional Breakdown

23
LOCs Delivered
$11.5K
Initial Capital
41%
Graduated to $5K

Figures in this breakdown cover Get Ready only. Regional totals on the map include every program in that region.

Maria Garcia

A Business Built on Wholeness

Maria Garcia

When I discovered Ascendus, everything shifted. I didn't just find funding—I found a partner who recognized my potential and helped me activate it. Programs like Get Ready provide a critical first step to strengthen credit, build financial management skills, and prepare for long-term growth.

Connected to Ascendus to transition her skincare services from a corner of her home into a dedicated commercial studio, Maria worked alongside Loan Consultant Andrea through the Get Ready program. This personalized financial coaching and early access to capital allowed her to master cash flow management, establish strong personal credit, and successfully separate her business operations. Today, Maria has graduated into the Build Stage of her growth, securing a $18.5K term loan to invest in inventory and payroll while managing a growing team of three employees at her full-service beauty studio.

Read Maria's full story
21
LOCs Delivered
$10.5K
Initial Capital
41%
Graduated to $5K

Figures in this breakdown cover Get Ready only. Regional totals on the map include every program in that region.

5
LOCs Delivered
$2.5K
Initial Capital
41%
Graduated to $5K

Figures in this breakdown cover Get Ready only. Regional totals on the map include every program in that region.

Jerry Joseph

Building Credit, Building Legacy

Jerry Joseph

From the bottom of my heart, I want to thank Ascendus, because this is something that I was looking for. I have a sister at Ascendus who is helping me make my goals come true in my business, my family, and my community.

Connected to Ascendus to build the credit profile required for long-term expansion, Jerry entered the Get Ready Program with an initial $500 line of credit. Working closely with his loan consultant, Neysa Cruceta, he established strong financial habits, successfully graduated to a $5,000 credit line, and unlocked eligibility for larger commercial financing. By utilizing the capital to boost his brand presence and digital marketing, the Haitian-born entrepreneur transitioned his catering business from merely maintaining to sustainably growing. Today, while operating out of a shared commercial kitchen with his wife and mother as head chefs, Jerry is leveraging his creditworthiness to transition Flynn Me into a dedicated food truck, creating local jobs and building a lasting family legacy.

Read Jerry's full story
21
LOCs Delivered
$10.5K
Initial Capital
41%
Graduated to $5K

Figures in this breakdown cover Get Ready only. Regional totals on the map include every program in that region.

Kalesha Boose

Kae Turns Dreams into Reality Through K House Kandles

Kalesha Boose

I learned how to manage my expenses, and I paid every bill on time. I got a credit line increase from $500 to $5,000 in just a few months. I improved my credit score, and now I can qualify for larger loans.

Connected to Ascendus to overcome severe credit damage and past housing displacement caused by early undercapitalization, Kalesha enrolled in the Get Ready Program to build foundational financial health. Guided by her loan consultant, she established rigid cash management habits, automated her payables, and graduated from an initial $500 line of credit to a $5,000 limit in under three months. This capital injection allowed her to optimize her inventory, transitioning her manufacturing process from soy to natural, premium coconut oil wax and high-end glass vessels. Today, the full-time mother and entrepreneur has leveraged her improved credit score and safer, upgraded product line to secure regional wholesale accounts across Atlanta florists and Mississippi boutiques, while teaching local candle-making classes to inspire other creators.

Kalesha Boose's full story (opens in a new tab)
★ ★ ★ ★ ★

I received very professional help. I was given clear guidance and a clear path to achieving it. I truly appreciate all the support my coordinator, Neysa, provided—she is extremely knowledgeable, client-oriented, and friendly. We will continue working together to achieve my business goals.

Evgeniia Elfimova • APAKA SUNRISE INC • 2025 • With Neysa Cruceta

Childcare Provider Initiative

Sustainability of essential childcare businesses · expanded to California in 2025

Home-based childcare providers are a pillar of their communities, offering essential early education and enabling parents to work, grow their income, and build more stable households. In 2025, we deepened support of these essential businesses with fast, flexible capital paired with technical assistance — and expanded the initiative to California in partnership with LIIF and Working Solutions CDFI, bringing the model to a new market.

86
Providers Supported
$1.9M+
In Capital Deployed
$23K
Average Loan Size

NEW IN 2025 · California Expansion

Expanded to California

In partnership with LIIF and Working Solutions CDFI, we brought the Childcare Provider Initiative to a new market — extending fast, flexible capital to home-based childcare providers in California.

28
Providers Supported
$675K
Capital Deployed
In partnership with

Regional Breakdown

31
Providers Supported
$754K+
Capital Deployed
$24K
Average Loan Size

Figures in this breakdown cover the Childcare Provider Initiative only. Regional totals on the map include every program in that region.

Claudia Gaviria

Rebuilding Learning Together

Claudia Gaviria

They just need one person to show them that there's a different way of living—there's faith, there's hope, there's love. I never stopped trying to provide for my students even when COVID-19 shut down my daycare, collaborating with my community to find new ways to provide safe and educational learning environments.

Connected to Ascendus to protect and stabilize her educational program during severe pandemic disruptions, Claudia worked alongside her team to rebuild and rethink her childcare services. Instead of letting market closures compromise her mission, she leveraged community collaboration and resourcefulness to maintain essential developmental support for families in the Bronx. Today, Claudia continues to lead Creative Little Hands Learning Center with intention, ensuring local children have access to a consistent, safe, and enriching foundation for their future.

Read Claudia's full story
22
Providers Supported
$477K
Capital Deployed
$22K
Average Loan Size

Figures in this breakdown cover the Childcare Provider Initiative only. Regional totals on the map include every program in that region.

Reina Coto

Modernizing While Staying Rooted

Reina Coto

Because of the loan, we could update our business and still support our home. Thank you Ascendus, for being magnificent.

Connected to Ascendus to modernize her long-standing home-based childcare operations without draining her personal assets, Reina secured a $25,000 business loan. The capital allowed her to fully renovate her space, create dedicated learning stations, and implement tailored programming for children requiring special care—all while keeping her family's long-term goal of purchasing a home on track. For over two decades, the daycare has served as the primary economic anchor for her family of four, funding her eldest son's master's degree and maximizing her local capacity to ten children. Today, the Honduran-born entrepreneur remains a foundational pillar for Boston's Hispanic community, blending early childhood education with deep generational support.

Read Reina's full story
28
Providers Supported
$675K
Capital Deployed
$23K
Average Loan Size

Figures in this breakdown cover the Childcare Provider Initiative only. Regional totals on the map include every program in that region.

Nadeen Dorian

Rebuilding After the Fire

Nadeen Dorian

From the first call, Carlos was amazing. He explained everything, kept in touch, made the process incredibly easy.

Connected to Ascendus through a critical referral from Katie Leon at the Low Income Investment Fund (LIIF), Nadeen and her husband Robert secured an emergency business loan following devastating regional wildfires in early 2024. The smoke damage threatened their long-standing, home-based childcare operations just as they were simultaneously financing the construction of a new expansion facility. Working alongside Loan Consultant Carlos, the rapid funding allowed them to execute vital structural repairs, maintain daily continuity for local working families, and protect their revenue. Today, with their existing operations fully restored, the family is leveraging this stability to finalize the launch of Superstarz Academy, a brand-new, standalone center designed to scale their capacity and deepen their community impact.

Read Nadeen's full story

State-Led & Partnership Lending

SSBCI · Catalyst Fund · NJEDA

Three targeted programs deliver capital where state and partner mandates align: the State Small Business Credit Initiative (SSBCI) operates across Florida, North Carolina, New Jersey, and Washington; the Small Business Catalyst Fund accelerates growth in partnership with Fifth Third Bank and Community Reinvestment Fund, USA; and the NJEDA partnership supports business sustainability across New Jersey. Together, these programs broaden reach without diluting our relationship-driven approach.

138
Loans Deployed
$3.6M+
In Capital Deployed
$26K
Average Loan Size

Program Breakdown

State Small Business Credit Initiatives (SSBCI)

State-led lending programs delivering targeted growth capital across Florida, North Carolina, New Jersey, and Washington. SSBCI deploys federal resources through state programs to expand access to capital for small businesses where local conditions need it most.

39Loans Deployed
$1.3M+Capital Deployed
$35KAverage Loan Size
Emiliano Portino

Featured Client Story

Emiliano Portino
The Brand Building Shop · Charlotte, NC

I was already deep in it. The water was rising. Then I met Fabi, and she told me everything I needed to know but no one had told me before. That coaching changed everything.

Read Emiliano's story

Small Business Catalyst Fund

Flexible capital designed to accelerate business growth, in partnership with Fifth Third Bank and Community Reinvestment Fund, USA. Catalyst Fund loans give established small businesses the working capital they need to scale operations, expand teams, and pursue new opportunities.

75Loans Deployed
$1.5MCapital Deployed
$20KAverage Loan Size
Roy Rojas

Featured Client Story

Roy Rojas
P&R Crew Power Services LLC · Tampa, FL

Everything lined up. I said, I'll call someone who knows me, who knows I'm responsible — and that was Ascendus.

Read Roy's story

New Jersey Economic Development Authority (NJEDA)

State-led financing that supports business sustainability and local economic development, in partnership with the New Jersey Economic Development Authority (NJEDA). The partnership extends working capital and growth financing to entrepreneurs across New Jersey, especially those with limited access to traditional lenders.

24Loans Deployed
$739KCapital Deployed
$30KAverage Loan Size
Sibtay Abbas Shah

Featured Client Story

Sibtay Abbas Shah
12 Tech · Union, NJ

Ascendus is like Friends for founders.

Read Sibtay's story

Figures in this breakdown cover State-Led & Partnership Lending only. Regional totals on the map include every program in that region.

Featured Research Brief Part One of a Two-Part Effort

Building Credit
for Small Business Owners

A Case Study of the Get Ready Program

In Partnership With
The Urban Institute
Funded By
MetLife Foundation

Support That Builds Readiness

In 2025, we released the Get Ready Research Brief — marking a milestone in how relationship-driven practice is translated into shared field knowledge. Grounded in direct work with small business owners who entered the program with limited access to traditional financing, the brief documents how timely capital paired with one-on-one coaching can shift financial trajectories. As Part One of a two-part effort, it reinforces a core lesson from our work: when lending meets the moment and coaching builds confidence, entrepreneurs move forward with greater stability and resilience.

174
Study Cohort & Methodology Borrowers participating in Get Ready from program inception in 2023 through publication of the brief in October 2025. In partnership with The Urban Institute, we conducted a mixed-methods study — combining quantitative analysis of de-identified program data from all 174 borrowers (with pre-loan credit data from 161) and qualitative interviews with nine borrowers and three program leaders. All findings reflect program data as of publication, capturing both performance outcomes and lived experience.

What We Learned

571
Finding 01 · Average Credit Score

From Declined to Funded

The average Get Ready borrower entered with a credit score of 571 — below most lending thresholds, including those of typical CDFI lenders. The program provided access to capital when no one else would.

75%  ·  41%
Finding 02 · Good Standing & Graduation

Good Standing, Greater Access

By March 2025, more than 75% of borrowers were in good standing. 41% graduated from a $500 line to a $5,000 line — of people deemed unlendable even by CDFI standards. Several accessed additional capital outside the program.

1× / qtr
Finding 03 · Coaching Cadence

Coaching = Confidence

One-on-one financial coaching, delivered at least once per quarter, strengthened literacy, trust, and resilience — empowering borrowers to make informed decisions and stay on track.

150+
Finding 04 · Active Pipeline

Demand Is Growing

Ascendus staff report a growing pipeline of 150+ interested borrowers, reflecting clear demand and impact potential — and confirming that the model can scale with the right support.

 Carmen Fields Brooks

I believe in awakening natural genius in our children.

Carmen Fields Brooks

The Elite Academy of Excellence | Marietta, GA

Read Carmen's full story

Why This Matters

01
Mobility doesn't start with capital — it starts with trust.
02
Readiness isn't a trait — it's coaching, capital, and time meeting the ambition owners already bring.
03
Limited access to capital is a structural challenge — and we're designing our way out of it.

Let's Redefine Readiness Together

Part One of a Two-Part Effort

When lending meets the moment and coaching builds confidence, entrepreneurs move forward with greater stability and resilience — proving that credit isn't fixed. It can be coached, cultivated, and grown.

Support Across the Journey

The relationship doesn't start with the loan — and it doesn't end there either. Throughout 2025, our work centered on standing with clients across the full journey: from the moment an entrepreneur first walks through the door, through the careful work of getting ready, to the steady support that protects hard-earned progress once a loan is in place. Capital is one part of the story. The relationships built before and after are what make impact durable.

Before the Loan — Pre-Loan Technical Assistance & Outreach

Support That Unlocks Opportunity

Before any capital is deployed, we work alongside entrepreneurs as they get ready. In 2025, we delivered more than 8,500 hours of pre-loan financial coaching — helping clients assess readiness, build the foundation for sustainable growth, and make informed decisions at critical moments. Pre-loan hours held steady while demand intensified: the ratio of applicants per closed loan moved from 5:1 in 2024 to 8:1 in 2025 — a signal of both growing demand and disciplined deployment.

8,500+
Hours of Pre-Loan Financial Coaching
5:1 → 8:1
Applicants per Closed Loan · 2024 → 2025

After the Loan — Post-Loan Technical Assistance & Portfolio Stewardship

Support That Builds Resilience

The deepest signal of how we showed up in 2025 isn't in the hours alone — it's in where the hours went. From 2024 to 2025, we doubled the number of post-loan technical assistance hours, reflecting a deeper commitment to supporting clients beyond access to capital. We leaned in with existing clients to protect hard-earned progress, building resilience where it was most needed. Conversations centered most often on cash flow and financial management — the work of holding the line through tight months and planning the next ones.

2x
Post-Loan TA · 2024 → 2025
3,050+
Hours of Post-Loan Technical Assistance

What Clients Needed Help With

Post-loan technical assistance isn't generic — it responds to what clients actually need in the moment. The topics that surfaced in 2025 shaped the support we built next.

52%
Cash Flow & Financial Management
28%
Business Operations & Growth
12%
Credit Building
8%
Access to Additional Capital

What owners ask us most

Cash flow. Business operations. Credit. Access to capital. Financial planning. These are the questions owners bring to us most often, so these are the answers we put within reach. The Resources Hub on ascendus.org gathers guidance on each one, open to anyone, no application required.

Visit the Resources Hub
Yadira Brown

A Journey Across Partners

Yadira Brown

When you understand the rules, you stop being afraid. And then you can help others rise with you.

After arriving from the Dominican Republic, Yadira launched three businesses in Philadelphia. When her capital needs exceeded partner CDFI Greenline Access Capital, they referred her to Ascendus, which delivered $35,000 in working capital and introduced Greenline to the Philadelphia Business Lending Network, unlocking an additional $35,000 grant. Today, Yadira leads Pantera with her son and five employees — and is studying to become a paralegal to help other immigrant entrepreneurs navigate the processes she once faced alone.

Read Yadira's full story
★ ★ ★ ★ ★

My deepest and most sincere gratitude to Juan Guzman and the fabulous team at Ascendus, who were highly professional from start to finish. Thanks to Ascendus, our small businesses have a real opportunity for growth. I recommend them one hundred percent. Thank you so much again, dear Juan, for all your kind help!

Santiago Correa • Correa Trucking Services Corp • 2025 • With Juan Guzman

Support Grounded in Advocacy & Field Leadership

Standing with clients in 2025 also meant showing up beyond direct service — bringing the lived realities of small business owners into national and regional conversations shaping community lending, small business finance, and economic mobility. Across the year, we participated in key sector convenings and policy forums, contributing practitioner insight to discussions that influence how access, policy, and opportunity take shape.

Sector Convenings & Policy Forums

Showing Up Where the Sector Convenes

Sector Convenings & Policy Forums

National Sector Convening

OFN41 — Opportunity NEXT

Opportunity Finance Network

The CDFI industry's flagship convening. We contributed practitioner insight on small business finance, portfolio resilience, and the shifting landscape of community lending in 2025.

Conference Recap
National Sector Convening

OFN Small Business Finance Forum

Opportunity Finance Network

A focused gathering of CDFIs, capital partners, and policymakers shaping the future of small business lending. We shared lessons from a year of standing with clients through pressure.

Read Our Reflections
Financial Health Convening

EMERGE Financial Health — Voices of Change

Financial Health Network

Centering lived experience in conversations about financial health and inclusion. CEO Paul Quintero joined the Citi Innovation Breakfast panel on measuring the financial health of entrepreneurs.

Read Our Takeaways
National Policy Forum

NALCAB's Policy Forum

National Association for Latino Community Asset Builders

A national platform shaping policy around capital access for Latino entrepreneurs. Our work in Hispanic-majority markets across NY, FL, NJ, and MA informed the dialogue.

Explore the Partnership
Regional Symposium

Northeast / Mid-Atlantic Small Business Credit Symposium

Hosted at the Federal Reserve Bank of New York

A regional convening of CDFIs, banks, and policymakers focused on small business credit access. Our portfolio data and field experience contributed to discussions on resilience and capital flow.

Symposium Recap
Field-Building & Community-Based Policy Dialogues

Peer Learning & Community Voice

Field-Building & Community-Based Policy Dialogues

Peer Learning Network

Microfinance Impact Collaborative

Peer learning network of microlenders

Field-building through shared knowledge with peer CDFIs and microlenders. We contributed insights on Get Ready, the relationship-driven coaching model, and post-loan technical assistance.

Peer Learning Insights
Community Policy Dialogue

Hispanic Federation Convenings

Community-based policy dialogue

Direct engagement with Hispanic and Latino community leaders shaping local and state policy. Our work informed dialogue on access to capital and economic opportunity in core markets.

Community Dialogue Summary
★ ★ ★ ★ ★

Ascendus is a strong supporter of small businesses and truly wants to see these businesses thrive. They offer financial funding with favorable loan terms and interest rates that are fair and affordable. They are not greedy — you will absolutely not find any loan sharking interest rates here.

Trudy Phillips  ·  Small Business  ·  2025  ·  With Juan Guzman

Awards & Accolades

cdfi
Community Development Financial Institution
cba
Credit-building for overlooked communities
charity
Top tier of evaluated nonprofits
candid
Highest level of nonprofit transparency
Borrowers' Bill of Right
Ethical small business lending
SBA

#1 SBA Microlender in South Florida

Recognized for the third consecutive year, reflecting sustained leadership in small business lending across the region.

Support That Demonstrates Durable Impact

Lending output alone doesn't capture transformation. We take a data-driven approach to measuring what does — pairing industry-level systems like the Financial Health Network's FinHealth Score® with tools developed specifically for Ascendus, like our proprietary Ascendus Borrower Index (ABI). Together, these tools track durable impact across three connected layers: the business, the household behind it, and the community it serves. Manny Almonte's story brings it to life.


Our Data-Driven Approach — Innovative Measurement Tools

Two Pillars, One Compass

We're redefining what impact looks like by measuring not just business growth — but financial resilience. Our tools are built to guide and adapt alongside each client's journey, pairing what the industry has standardized with what Ascendus has developed in-house.

Proprietary · Built for Ascendus

Ascendus Borrower Index (ABI)

Our proprietary index tracks capital access across five key paths — manageable debt, credit health, business revenue, loan amount & repayment, and bank access — using 16 performance indicators to guide tailored coaching.

Industry-Level · National Benchmark

FinHealth Score®

Developed by the Financial Health Network, this nationally recognized tool assesses financial resilience across spending, saving, borrowing, and planning. It empowers clients — and us — with actionable insights and national benchmarks.

Together, these pillars are a powerful compass — mapping each client's unique path to financial health and ascension.
Manny Almonte
Ascendus Impact in Action · Through Manny Almonte's Lens

A Story of Long-Lasting Impact

Meet Manny Almonte

Featured Client Story — Founder · Cremosos · Food Manufacturing

What's possible when relationships meet the moment.

Manny came to Ascendus through a banking partner referral while scaling his food manufacturing business. He received capital and guidance aligned to his stage of growth — not the standard product, but the right product at the right time. The result wasn't just a successful loan. It was business growth that touched every layer of his life — and eventually opened the door to traditional bank financing, securing $100,000 once his business had grown enough to qualify.

Watch Manny's Journey

Ascension Pathway — Continued

Manny continues his Ascension Pathway. He graduated to a Traditional Bank, securing $100,000 in financing.

The Ascendus impact framework in action

How Manny's Story Reaches Every Layer

Manny's progress is not a single number — it's a pattern of change that shows up across the business, his household, and his community.
All figures self-reported via the Annual Ascendus Survey and validated through portfolio data.

Layer 01
Business
The Engine of Growth
12x
Increase in business revenue
190 → 9,000
Units produced per day
$100K
Graduated to traditional bank financing
Layer 02
Household
The Family Behind the Business
4.2x
Increase in household income
Improved
Personal credit standing
Built
Foundation for long-term financial resilience
Layer 03
Community
The Ripple Effect  ·  Qualitative
5
Part-time jobs created locally
Local
Hiring and sustained livelihoods
Forward
Opportunity passed on to peers and workers

Manny's story isn't the exception — it's what the framework is built to find. When capital is right-timed and relationships are real, durable impact shows up everywhere at once: in a business, a household, and a community.

Operations That Support Innovation

In a challenging macroeconomic environment, we doubled down on what matters most: standing with clients. The infrastructure that makes that support possible needed to evolve — so our team could move faster for clients, and clients could feel the difference. In October 2025, we launched our new Loan Operating System, built around four drivers: resource efficiency, integrity, flexibility, and future-readiness. The story of 2025 isn't about replacing technology — it's about strengthening the support we offer to clients and to the team that serves them.

Built With AI · Ready for What's Next

An AI-Ready Foundation

The new system was built with AI from the ground up — that's how we delivered an interconnected platform in months instead of years. Today, AI is embedded in select origination and servicing workflows, removing friction at specific moments. The larger opportunity is what an AI-ready platform unlocks next.

★ ★ ★ ★ ★

From application to approval, my experience securing funding was smooth and professional. The process was guided with patience and clarity, making sure I felt confident and heard at every step. I truly appreciate the fast response, support, and dedication throughout 2025.

Corey Kelly • DQP3 Cleaning Services • 2025 • With Neysa Cruceta

Support That Honors Relationships

Standing with clients is only possible because our team has chosen to stand with each other. The work we do is shaped by the people who do it — a long-tenured team that reflects the communities we serve, bringing market knowledge, cultural fluency, and trust into every client conversation. In 2025, we invested in our people in ways that hadn't been done before — listening at scale for the first time, formalizing how we develop talent, and honoring the colleague whose life made all of this possible.

Behind the Mission — A Team That Reflects the Communities We Serve

Relationships Begin With Us

Our team's composition is intentional and our tenure is deep. Each member brings market knowledge, cultural fluency, and trust — the foundation for the kind of relationship-driven support our clients depend on.

7+ years
Average Staff Tenure
15+ years
Average Leadership Tenure
63%
Of Staff Identify as Women
51%
Identify as Hispanic or Latino

Beyond the number above, our team includes colleagues identifying as Asian, White, and other backgrounds.

A Year of Firsts — Investments in Our People — 2025 Milestones

Two Inaugural Commitments

Standing with our team in 2025 meant putting in place the structures that hadn't existed before — listening at scale, formalizing how we grow our people, and building long-term financial security. Each of these is a foundation we'll build on going forward.

First Ever · 2025

Inaugural Engagement Survey

For the first time in our history, we ran a company-wide engagement survey — giving every member of our team a structured, anonymous way to share how they're experiencing their work and the organization. The themes that emerged reflect what we already feel every day: a team that shows up for each other.

Top Themes Captured

  • Supportive
  • Inclusive
  • Camaraderie
  • Collaboration
First Ever · 2025

Inaugural Talent Management Philosophy

We formalized our first Talent Management Philosophy — the explicit articulation of how Ascendus develops, rewards, and grows its people. Its purpose: to provide a fair, consistent approach to managing and supporting staff at all levels, ensuring our values translate into how we lead — for our team, and for the clients they serve.

Values Award

  • Empathy
  • Dedication
  • Integrity
  • Inclusion
  • Adaptability
  • Passion

Team-Led · Year-Round

The Culture Committee

A team-led, voluntary committee that meets monthly to shape the rituals, conversations, and shared experiences that strengthen community, staff voice, and organizational cohesion at Ascendus.

Committee Leadership
Skylar Jackson
Skylar Jackson
President
Antonio Powell
Antonio Powell
Secretary
Staff Representation
Trena Trowbridge
Trena Trowbridge
Operations Manager
Gustavo Banchero
Gustavo Banchero
Director of Communications
Magaly Santiago
Magaly Santiago
Director of Finance
Executive Sponsors
Ana Hammock
Chief Operating Officer
Simmone Kadiri
VP, People Operations

Ascend Leadership

Leadership Team

8 members stewarding the work day-to-day
Paul Quintero
Paul Quintero
Chief Executive Officer
Ana Hammock
Ana Hammock
Chief Operating Officer
Victoria Richardson
Victoria Richardson
Chief Development Officer
Joshua Brackett
Joshua Brackett
Chief Financial Officer
Jennifer Spaziano
Jennifer Spaziano
SVP, Operations & Innovation
Andrea Ierace
Andrea Ierace
SVP, Lending
Rodrigo Cerveira
Rodrigo Cerveira
SVP, Credit Risk & Loan Services
Simmone Kadiri
Simmone Kadiri
VP, People Operations

Governance

Fiduciary Board

16 members providing organizational oversight
Daniel Delehanty
Daniel Delehanty
Chair
Amy Hellen
Amy Hellen
Vice Chair
Ramona Cedeno
Ramona Cedeno
Treasurer
Jessie Chiang
Jessie Chiang
Secretary
Armando Acosta
Armando Acosta
Stephen Cassell
Stephen Cassell
Pablo Cortina
Pablo Cortina
Sandy Fernandez
Sandy Fernandez
Joseph Hernandez
Joseph Hernandez
Zara Ingilizian
Zara Ingilizian
Deanna Maestas
Deanna Maestas
Alvin Moore II
Perri Richman
Perri Richman
Augusto Sanabria
Augusto Sanabria
Shelley Sylva
Shelley Sylva
Jerome Weiss
Jerome Weiss

Regional Advisory

New England Advisory Board

4 members guiding our work across the New England region
Anne Cerami
Chair
Alvaro Lima
Kris Puskar
Henrik Totterman

Regional Advisory

Florida Advisory Board

11 members guiding our work across the Florida region
Cristina Ice
Chair
Miguel Baez
Vice Chair
Talia Urena
Arthur Costa
Clara Diaz-Leal
Karla Gottlieb
Joseph Scondotto
Peter Salas
Myrna Sonora
Leo Toca
Mihai Vrasmasu
The Heart of Our Journey

In Memoriam · 2025

Carmen Duperon

Director of Services · Loan Services
30+ years with Ascendus

A Life of Service

The Colleague Who Met Our First Client — and Tens of Thousands Since.

Carmen was not only our Director of Services — she was a living bridge between our past, present, and future. She met Uvalda, our very first client, and went on to support tens of thousands of small business owners with care, integrity, and an unwavering belief in their potential. For more than three decades, she was a voice of reassurance to clients navigating the most demanding moments of their financial journeys. Carmen passed away in 2025, leaving behind a profound legacy that continues to shape how we show up every day.


In Her Honor · Launched 2025

The Carmen Duperon Values Award

Annual recognition for team members who embody the six values Carmen brought to her work every day — the ones we hold ourselves to, for clients and for each other.

  • Empathy
  • Dedication
  • Integrity
  • Inclusion
  • Adaptability
  • Passion

If we can make clients feel a little more confident, seen, or supported — then we're doing something right.

— Carmen Duperon
Nema Gajadhar

Relationships, From the Other Side

Nema Gajadhar

I am very independent. I do not depend on anyone. I am a very strong woman. This made me really strong. Standing firm as a woman business owner.

After two decades in veterinary offices, Nema opened Roosevelt Pups in 2019 — her own dog daycare, on her own terms. When the pandemic hit, a TD Bank referral connected her with Director of Lending Jose V. Made at Ascendus, and a term loan through the New York Forward Loan Fund in 2024 helped her pay back taxes and stabilize. In 2025, she secured a line of credit to manage working capital and modernized her operations. Today, Roosevelt Pups is debt-light, growing, and preparing to expand into a second location.

Read Nema's full story

Behind every loan is a human connection. Behind every connection is a colleague who chose to show up — with empathy, dedication, integrity, and care. Carmen reminded us why. The work we did in 2025 reminds us how.

We Ended the Year Stronger

2025 unfolded against a challenging macroeconomic environment for small business owners and the CDFI sector alike. We responded the only way we know how: with discipline, intentionality, and a focus on durable impact. The result is an organization that closed the year stronger than it began — with growing net assets and a structurally improved balance sheet.

+$1.58M
Net Asset Growth
99.6% on budget — only $6K off target
29.9%
Net Asset Ratio
Up from 23% in 2024 — structural improvement
$8.5M
Borrowed Capital Reduced
Intentional Q4 deleveraging
$8.56M
Grants & Contributions
+$560K above budget

For the communities and clients we serve — small business owners navigating real economic headwinds — stability at the organizational level means access at the individual level.

Thank You

Every year of impact at Ascendus is made possible by an extended network of people who believe in what we stand for — board members who guide us, leaders who steward the work, funders who fuel it, and individual donors who choose to invest in the journey of small business owners building toward financial ascension. Thank you for standing with us, and standing with the entrepreneurs we serve.

Capital & Mission Partners · 2025

Institutional Funders

53
Institutional Partners
2 Big Hearts Foundation
Anonymous
Bank of America Charitable Foundation
BankUnited
BMO
Capital One Bank
Citi Foundation
Citizens Bank
Columbia Bank
Comerica Charitable Foundation
Community Development Financial Institutions Fund
Con Edison
Dime Community Bank
Empire State Development
EverBank
Fifth Third Bank
Give Lively
Hispanic Federation, Inc.
HSBC Bank USA, N.A.
Jak Venture Flemington LLC
JPMorgan Chase & Co. Global Philanthropy
JPMorgan Chase & Co. Good Works Program
Lawrence Foundation
Leader Bank
Low Income Investment Fund
M&T Bank
Mass Development Growth Capital Division
MetLife Foundation
Metropolitan Commercial Bank
Miami Foundation
Morgan Stanley
Moses Kimball Fund
NALCAB
New Jersey Economic Development Authority
New York City Department of Small Business Services
OceanFirst Bank
Opportunity Finance Network
Plaid
Popular Foundation
Restaurant Workers' Community Foundation
Roy A. Hunt Foundation
Santander Bank
TD Charitable Foundation
The Boston Foundation, Inc.
The Clark Foundation
The Community Foundation for Northeast Florida
The Hyde and Watson Foundation
The Vidda Foundation
Truist Financial
US Small Business Administration
Valley Bank
Webster Bank
Wells Fargo Foundation

Personal Contributions · 2025

Individual Donors

42
Individual Donors
Alan Rosenfeld
Alvin Moore II
Amy Hellen
Anonymous
Armando Acosta
Augusto Sanabria
Bernice and Michael Carnahan
Cheryl Myers and Steve Stockton
Daniel Delehanty
Deanna Maestas
Edward Van Gundy
Floyd Sandles
Gustavo Banchero
Jason Friedman
Jerome Weiss
Jessica Daniels and Paul Blackborow
Jessie Chiang
Jonathan Bello
Joseph Hernandez
Julie and Harold Bordwin
Marsha Tucker
Martin Chase-Nowak
Matthew Zlatnik
Maximilian Weiner
Pablo Cortina
Paul and Dr. Marieta Quintero
Perri Richman
Quenia Abreu
Ramona Cedeno
Robin and Joel Abrams
Rosanna Mason
Sandy Fernandez
Shelley Sylva
Shirley Tsai and Patrick Peterson
Stephen Cassell
Steven Davenport
Sudhir Jain
Suzanne and Paul Lipsky
Todd Flolo
Victoria Richardson and Max Myers
William and Sandra Rosenfeld
Zara Ingilizian
★ ★ ★ ★ ★

Ascendus is an awesome organization for small businesses. They provide the perfect opportunity to scale up and take your company to the next level. The financial literacy and tools they offer alongside the funding make a massive difference. I am so grateful for this partnership and highly recommend them to any entrepreneur focused on future growth.

Tameca Vance

Since 1991 · 35+ Years of Mission · Building What's Next

Our Footprint.
Our Future.

35+
Years of Mission
Since 1991, standing with small business owners across the country.
62,000+
Entrepreneurs Served
Across communities with limited access to traditional capital.
$435M+
In Capital Deployed
Paired with coaching, technical assistance, and trusted relationships.

Behind every entrepreneur is a story — and behind every story, a community. Over three and a half decades, Ascendus has built a footprint of support that spans more than thirty states and reaches communities long overlooked by traditional finance. From Greater Boston to Miami, from New York to growing markets in California, Georgia, and the Carolinas, our work has grown one relationship at a time. The map below reflects that footprint — a record of where support has shown up, and where it continues to ascend.


Where We've Shown Up

Each point represents a loan disbursed by Ascendus, 1991 – 2025.

Thirty-five years of support, one relationship at a time — building thriving businesses, resilient households, and stronger communities across the country.

Join Us · This Way Up

A future-ready support system to create financial ascension for all.

Support our mission

Every contribution fuels the next chapter