01
Small business capital access
I work to connect small businesses and startup founders with fair, responsible financing. Too many strong entrepreneurs are held back not by their ideas but by a system that was never built for them.
Philadelphia, Pennsylvania
Amaury Abreu, a capital access practitioner and civic advocate based in Philadelphia
I underwrite, originate, and place small business loans every day for founders and small business owners across the Mid Atlantic region and beyond, with deep roots in Philadelphia's immigrant and Latino communities.
More than $3M in business and commercial real estate loans originated, underwritten, and placed across Impact Loan Fund, True Access Capital, and Kommunity Capital, for entrepreneurs traditional banks pass over. Based in Philadelphia, working across the Mid Atlantic region and beyond. Bilingual in English and Spanish.
True Access CapitalImpact Loan FundKommunity CapitalFounders AlleyPHL Tech PACCFI Commercial Credit AnalystInterise Executive MBA
About
Capital, community, and opportunity.
I have spent my career working at the intersection of capital, community, and opportunity. As a loan officer at Impact Loan Fund and an underwriter at True Access Capital, I originate and underwrite small business loans every day for entrepreneurs, founders, and small business owners across the Mid Atlantic region and beyond, with deep experience in the immigrant and Latino communities that have too often been left out of the financial mainstream.
My civic work grows from the same conviction. As founder of PHL Tech PAC, I advocate for policy that helps Philadelphia's small businesses and innovators thrive, including a dedicated startup and innovation office inside city government. As board chair of SARCC and through years of community organizing, writing, and convening, I have worked to bring underheard voices into the rooms where decisions get made.
I believe access to capital is a civic issue. When a neighborhood entrepreneur can get a fair loan, a family builds wealth, a block gets stronger, and the city grows. That is the work.
I hold the Commercial Credit Analyst certification from the Corporate Finance Institute, applying frameworks such as loan pricing, the 5 C's of Credit, financial analysis of credit, and loan covenants in daily practice. I completed the Interise executive master of business administration program and hold a bachelor of science in digital communication and media from Millersville University of Pennsylvania. I work fully in both English and Spanish.
“Access to capital is not just a financial question. It is a question of who gets to build a future in this city.”
Practice
The day to day work behind the advocacy.
My positions come from a desk where credit decisions actually get made, not from theory.
- Underwriting complex credit files
- I analyze cash flow, collateral, and character on files that do not fit a template, and build the case that lets a sound business get funded.
- Credit and risk assessment
- I size risk honestly and structure around it, so responsible capital reaches borrowers a scorecard alone would decline.
- DSCR analysis, loan pricing, and structuring
- I run debt service coverage, price risk, and set covenants so a loan is sustainable for the borrower and sound for the lender.
- Commercial real estate and valuation
- I underwrite commercial real estate credit, review appraisals and valuations, and build projections owners and lenders can both stand behind.
- CDFI and mission driven lending
- I originate and underwrite through community development lenders, where the mandate is reaching the businesses the mainstream market passes over.
- Placing capital with the right lender
- As a commercial loan broker I have built a network of more than 20 lending partners, which lets me match a business with the partner most likely to say yes.
Track record
Key achievements
Capital deployed, budgets stewarded, and ventures scaled across lending, nonprofit governance, and entrepreneurship.
$3M+
Loans originated, underwritten, and placed
Originated, underwritten, and placed more than $3M in business and commercial real estate loans across Impact Loan Fund, True Access Capital, and Kommunity Capital between 2025 and 2026 year to date.
$10M
Assets under management supported
Managed $10M of assets under management through collections and loan restructurings at Impact Loan Fund.
20+
Lending partners in network
Built a network of more than 20 lending partners as a commercial loan broker at Kommunity Capital, so a business still has a path to capital when one lender is not the right fit.
$1M+
Annual nonprofit budget overseen
As Board Chair, I oversee a $1M+ annual nonprofit budget, ensuring compliance, financial accountability, and strategic allocation of resources.
2 properties
Survivor housing approved
Analyzed and approved the acquisition of two strategic real estate properties providing housing for human trafficking survivors.
200+
Founders Alley attendees
Cofounded Founders Alley, a startup and investor community with chapters in Philadelphia and San Diego, drawing more than 200 guests across its conferences.
JPMorgan Chase
Funding partnership developed
Helped develop a strategic relationship with JPMorgan Chase, creating a new funding stream for Founders Alley meetups and conferences.
$100K+
Grants secured
Secured more than $100K in grants to fund and scale small business ventures.
10+ units
Real estate developed
Scaled a real estate development firm to more than 10 mixed use units with a 90 percent occupancy rate.
3 acquisitions
Due diligence completed
Conducted due diligence and assisted acquiring businesses through three successful acquisitions.
Technical.ly
Published author
Published business articles as an author with Technical.ly, a regional business and technology media outlet.
What I work on
Focus areas
02
Entrepreneurship in underserved communities
I am bilingual and rooted in Philadelphia's Latino and immigrant business community, and I work to expand resources, language access, and representation for entrepreneurs whom the financial mainstream often overlooks.
03
Inclusive economic growth and innovation policy
Cities and regions have the talent and energy to become top tier ecosystems for founders. I push for policy that helps innovative companies start, stay, and grow, with a home base in Philadelphia.
04
Civic engagement and community leadership
I believe public dialogue should include the people most affected by the decisions being made. I work to convene, listen, and bring community voices to the table.
Civic Leadership
Service across Philadelphia's civic, economic, and community institutions.
Leadership across Philadelphia's civic, entrepreneurial, and community development institutions, grounded in daily, hands-on work in small business lending and capital access.
Treasurer, PHL Tech PAC
I founded and serve as treasurer of PHL Tech PAC, a federal political action committee giving Philadelphia's startup and small business community a voice in city policy. I built the PAC's compliance infrastructure, including FEC registration, governance documents, and a compliance calendar, and I have led advocacy on the BIRT and LIFT Act and on creating Venture Philadelphia, a dedicated innovation office inside the Commerce Department.
Board Chair, SARCC
I serve as chair of the board at the Sexual Assault Resource and Counseling Center, overseeing a $1M plus annual operating budget with responsibility for compliance, financial accountability, and strategic allocation of resources. Under my leadership the board analyzed and approved two strategic property acquisitions that provide housing for human trafficking survivors.
Chief Financial Officer, Founders Alley
I cofounded Founders Alley and serve as fractional chief financial officer, overseeing financial operations for a startup and investor community with chapters in Philadelphia and San Diego. The work brings together capital, creativity, and community, with an intentional focus on making entrepreneurial space accessible to people too often left out of traditional networks.
Loan Officer, Impact Loan Fund and Underwriter, True Access Capital
I originate small business loans as a loan officer at Impact Loan Fund and underwrite as an underwriter at True Access Capital, two community development financial institutions serving Philadelphia and the region. This work helps entrepreneurs access capital when traditional banks will not, including founders with limited credit history or collateral. It is the ground level work behind my advocacy, seeing every day where the financing system works and where it leaves people out.
Commercial Loan Broker, Kommunity Capital
As a commercial loan broker I place small business and commercial real estate loans with licensed lending partners, drawing on a network of more than 20 lender relationships I have built, and I guide clients through market analysis and strategic recommendations. When one lender is not the right fit, the business still gets a path to capital.
In the community
The work, in practice.
Convening entrepreneurs, partners, and neighbors in Philadelphia and beyond.
Writing and Press
Selected writing on economic opportunity, innovation, and community.
Founders Alley2026
Founders Alley Philadelphia Returns October 20 at Pennovation Works
A look at the return of Founders Alley to Pennovation Works, with founder and investor panels, a startup showcase, new founder resources from ICW Capital, and a policy partnership with PHL Tech PAC.
Read article →Technical.ly2026
Philadelphia Needs a Startup Innovation Office
A call on City Council and the Mayor's Office to create Venture Philadelphia, a dedicated innovation office inside the Commerce Department to support founders, retain talent, and coordinate the city's startup ecosystem.
Read article →Guest Commentary2025
Give Philly Kids a Real Lyft
A daily rideshare rider does not mind paying an additional tax, as long as that tax makes sense and others, including universities, pay their fair share too. On the proposed $1 per ride tax and a fairer approach to funding Philadelphia schools.
Read article →Impacto Media2025
Philadelphia's SMBs & founders want to build here. Let's make that easier
An op-ed making the case for cutting red tape, expanding access to capital, and building the support systems Philadelphia's small businesses and founders need to grow in the city.
Read article →Impacto Media2025
From Santo Domingo to Philadelphia: Amaury Abreu promotes Latino unity
A profile on the journey from Santo Domingo to Philadelphia and the work of building unity, capital access, and civic voice for the city's Latino community.
Read article →Technical.ly2025
How CDFI loans can beat venture capital for early startups
On underwriting small business loans at Impact Loan Fund and why Community Development Financial Institutions can be a better fit than venture capital for many early stage Philadelphia founders.
Read article →Technical.ly2025
AI in the workplace works best when people come first
A case for keeping people at the center of how Philadelphia companies adopt AI, drawn from the work of Kommunity and Founders Alley with local tech and business leaders.
Read article →York Daily Record and Pennsylvania Capital-Star2021
Let's Change the Future for Our Children by Taking Action Today on Climate Change
A column on moving communities from ignorance to knowledge to action on climate change, written as founder of Q'Hubo News in partnership with the Climate Solutions journalism collaboration.
Read article →LebTown2021
A Crisis That Is Also an Opportunity
A column on the housing affordability crisis, urging renters in difficulty to seek help without shame and calling on landlords to provide housing with dignity.
Read article →Speaking and events
Invite Amaury to speak.
I am available for panels, forums, and community events on small business capital access, entrepreneurship, and inclusive economic growth, with a focus on Philadelphia and the Mid Atlantic region.
Contact
Get in touch.
I welcome outreach from reporters, elected officials, community organizations, and potential partners.