In partnership with people embedded within their community, we facilitate catalytic capital and back office services to emerging funds and lending programs that increase affordability, increase access and shift power.
Community Credit Lab (CCL) is an affiliated 501(c)3 nonprofit entity of Common Future. CCL is based in 450 Alaskan Way South, Suite 200, Seattle WA, 98104 with EIN 84-1899948. Questions? Contact Us.
Our lending model is built around:
Access
We enable access to credit using non-traditional qualification criteria.
Affordability
We enable lending programs that reverse traditional financial risk/return analysis to support people with affordable credit.
Power
We support community rooted organizations to make decisions about capital.
How We Invest
Lending Partnerships
Our Investments Team works with community-rooted organizations to design loan funds that address gaps in access to affordable credit. With our partners, we co-create the investment terms and underwriting criteria that will help provide evidence of the need for new financial products that better serve the needs of communities who are unable to access or afford traditional capital.
Intermediated Investments
Our Investments Team lends directly to newly formed or existing community-led funds and intermediaries that are seeking catalytic capital to seed or amplify their community-investment strategies. We aim to be an investment model for funders and investors in the ecosystem to showcase the type of capital and non-financial resources needed to invest in solutions designing for a more equitable economy.
Our Quarterly Reports.
We work with our partners to affect lasting, systemic change by:
Analyzing the root causes of inequality in the financial system.
Providing catalytic capital and back office lending support to emerging funds and fund managers that build economic power and ownership in and for communities adversely impacted by economic and racial injustice.
Acting as an investment model for others in the ecosystem to showcase the type of capital and non-financial resources needed to invest in solutions designing the next economy where all people—no matter their race or class—have power, choice, and ownership over solutions that address the interdependence between building community wealth and preserving or sustaining our natural resources
Get involved with Community Credit Lab.
Already borrowing through Community Credit Lab?
Call (253) 693-0008 to talk.
Email loans@communitycreditlab.org to discuss your Personal Loan.
Email lending@communitycreditlab.org to discuss your Small Business Loan.
"Community Credit Lab's work is essential to supporting our work building an inclusive economic system."
Lending Partner.
