We facilitate affordable lending programs for people facing systemic discrimination
We know it isn't fair that people with fewer resources pay higher interest rates:
Community Credit Lab reverses traditional financial risk/return analysis to design affordable lending programs that support people on their terms:
We facilitate affordable lending programs in partnership with organizations that work directly with people. Our lending programs and related loan terms are designed in collaboration with partners and the communities they serve.
Research: we collaborate on research and affordable lending ideas;
Workshops: we collaborate to design and structure affordable lending programs;
Lending Facilitation: we operationalize and facilitate affordable lending programs;
Investment Facilitation: we collaborate to leverage impact-first investments;
Credit Reporting: we support people to build credit and reduce future interest rates;
Data Analytics: we inform effective decision making and portfolio analytics.
Ultimately, our shared goal is systemic change and economic equity for people that face systemic discrimination in our financial system. We know we won't get there alone. We seek to build partnerships with funders, investors, financial institutions, corporates, and the public sector to build equity in collaboration with nonprofits and communities already working tirelessly towards change.