We facilitate lending programs that increase affordability, increase access, and shift power 

Our Model

Affordability

We enable lending programs that reverse traditional financial risk/return analysis to support people with affordable credit

Traditional

New

Access & Power

We enable access to credit using non-traditional qualification criteria at the direction of partners who know their communities best

Borrowers: use resources to achieve their goals on their terms

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Lending Partners: lead lending programs that center people in their communities

Community Credit Lab: provides support services to fill gaps where needed

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Conveners & Funders: coordinate resources & partnerships

Investors: allocate impact-first capital to community lending programs

Systems Change

​​​We work with our partners to effect lasting, systemic change by:

• analyzing the root causes of inequality in the financial system

• piloting and scaling examples of equitable lending programs

• communicating examples effectively to our network and beyond

• engaging in productive discourse and conversations

• hosting quarterly discussions to explore new ideas together