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
Lending Partners: lead lending programs that center people in their communities
Community Credit Lab: provides support services to fill gaps where needed
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