Entrepreneurs in Black, Latino, and underbanked communities often face significant barriers to accessing business loans and commercial lending due to systemic inequities and a lack of access to traditional financial institutions. This limited access to capital hinders their ability to address immediate financial needs and pursue growth opportunities.

The Change Company CDFI provides accessible business loans and short-term commercial loans specifically tailored for entrepreneurs in underserved communities. As a certified Community Development Financial Institution (CDFI), the company focuses on eliminating the wealth gap by offering fair and responsible lending through proprietary products, streamlined processes, and strategic partnerships with capital sources. By providing financing to the underserved, The Change Company empowers diverse individuals, families, and small businesses to pursue their dreams and build wealth. The company leverages its CDFI certification to promote access to capital and local economic growth in low-income and developing communities.

Traditional and non-traditional loan products tailored to diverse borrowers

Proprietary products and streamlined processes for efficient lending

Strategic partnerships with capital sources to expand lending capacity

CDFI certification promoting access to capital in underserved communities

Digital marketplace (xChange) connecting investors with prime impact loans

Focus on lending to low-to-moderate income borrowers and in persistent poverty areas

Partnership with Framework Homeownership to launch a CDFI-compliant course for future homebuyers

The primary target audience includes entrepreneurs and small business owners in Black, Latino, and underbanked communities who are seeking accessible and fair financing options.