Our Story

A chance can change everything.

Imagine if everybody was given a chance to succeed. We exist to create those opportunities. Since 1988, Community Reinvestment Fund, USA (CRF) has driven more than $3.5 billion in loans, investments and bonds to change lives and transform economically challenged neighborhoods into thriving communities. By investing in community partners, local small business ecosystems, and small business owners, CRF reinvents the flow of capital and brings new economic opportunity to communities across the country.

Joining together many partners to create lasting change.

Partnership lies at the center of our work. We collaborate with community leaders, nonprofits, financial institutions, foundations and more to create new strategies and technologies that build stronger local economies, create jobs and support economic mobility. CRF connects on-the-ground community organizations with national partners to address systemic inequities and break the cycle of income inequality.

We also work to ensure public policies are in place to support investment in underserved areas and advocate for government programs that provide fair access to capital.

Multipronged approach to helping communities.

CRF brings together market knowledge, problem-solving, loan structuring, relationships with investors and program management to solve complex community development challenges.

We know that investing in a business or community facility creates a long-term ripple effect, increasing the number of jobs as businesses grow and brings greater prosperity and development to the area.