How We Work
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How We Work With You
02
Flexible Evaluation
We look beyond credit scores. Our review focuses on business potential, traction, and long-term impact.
03
Staged Capital Deployment
Through our Capital Ladder, we provide structured funding that supports businesses from early stage to expansion.
01
Identify Need
We connect with entrepreneurs and community developers in underserved areas who need access to capital and guidance to grow.
04
Technical Assistance & Support
Every client receives access to business support, coaching, and partner resources to strengthen execution.
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Community Impact Focus
We prioritize investments that create jobs, support local ownership, and strengthen Memphis neighborhoods.
❖ Our Model ❖
Three Pillars of Community Development Finance
Capital Deployment
We provide loans from $5,000–$250,000 through a structured Capital Ladder designed to support entrepreneurs at every stage. With rates starting at 4%, we offer fair capital that avoids predatory lending. Our funding comes from national foundations, U.S. Treasury programs, and banking partnerships, allowing long-term, patient investment.
Technical Assistance
We integrate business training and advisory support into all lending. Through partnerships with universities and development organizations, we help borrowers build the skills and readiness needed for long-term success. Our Business Capital Accelerator connects entrepreneurs directly to funding opportunities.
Community Investment
We invest at the neighborhood level, focusing on job creation, reducing commercial vacancy, and strengthening local economies. Our work is rooted in Memphis communities, with impact measured by real on-the-ground change—not just numbers.
See Our Model in Action
Explore our impact data, client stories, and community outcomes.