Community Crafted Lending

Improving lives across the Pacific Northwest by providing responsible capital for businesses, homeowners, nonprofits and communities.

Ultimately, we strive to change inequitable systems so that all people and communities can access opportunities and prosper.

BUSINESS LOANS

Finance Your Growing
Business

Too many entrepreneurs with good ideas and strong businesses can’t access capital. Craft3 specializes in working with borrowers unable to qualify for bank financing. We’d love to help you finance your business or nonprofit.

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LOANS FOR HOMEOWNERS

Invest In Your Home

A home is much more than a roof over your head. Our loans let you invest in yours to repair or replace a failing septic system.

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Capital, Relationships and Voice

More Than a Lender

Craft3 is a nonprofit Community Development Financial Institution (CDFI). We use capital to invest in businesses, people, and communities. We empower entrepreneurs and homeowners by offering them resources to help chart their course, and we collaborate with many community and regional partners to create meaningful change. We're building a stronger Pacific Northwest.

About Us

Making a Difference

Craft3 uses capital to help build a thriving, just and empowered Pacific Northwest. Since 1994 we’ve been making high-impact loans to businesses, homeowners, and nonprofits — especially those unable to access traditional financing.

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Invest, Donate, Support

Get Involved

Creating a thriving, just and empowered Pacific Northwest is a multigenerational challenge that will require extensive collaboration, sustained commitment, and creativity. It will also require the support of partners, donors, investors, philanthropies, government agencies, corporations and more. We welcome your interest, partnership, and support.

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a woman standing next to two boys in a field

a woman helping a little girl with her homework

setting our course

Building A Stronger Pacific Northwest

Craft3 focuses on three regional challenges: Systemic Racism, Climate Crisis, and Rural and Tribal Economies. These challenges threaten to hold our region back and hurt us all. We address these challenges by using our core strategies of Capital, Relationships, and Voice. Learn more in our 2023-2027 Strategic Plan.

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Customer Stories

Our customers are remarkable and inspiring. Their ideas, energy, and visions are creating jobs, strengthening communities, and building financial stability.

A Home with Heart: How Craft3 Financing Helped Pinecrest Deliver Essential Care

“Building my adult family home has been more than a business—it’s a reflection of my passion for compassionate care, my drive for excellence, and a deep commitment to making a meaningful difference,” Julia, owner of Pinecrest, says. “Along the way, Craft3 has enabled my creativity and mentored me as businessowner.”

Masjid Ibrahim Builds a 16,000 Sq Ft Facility to Meet Growing Community Needs

What began as prayer gatherings in living rooms has grown into a thriving Muslim community of 250+ members. When rising construction costs threatened Masjid Ibrahim's 16,000 square foot facility project in Bethany, Oregon, they found partners in Craft3 and Stearns Bank who provided innovative Islamic financing to help complete their comprehensive community center.

Bringing Quality Healthcare to Rural Oregon: A Story of Partnership

In Astoria, Oregon, the Yakima Valley Farm Workers Clinic is building a new 26,000-square-foot medical and dental clinic that will offer nearly 19,000 patient visits annually. Backed by Craft3 and partners through a $16 million New Markets Tax Credit investment, this project will expand access to vital healthcare services and create 65 full-time jobs — demonstrating how mission-driven partnerships can improve health outcomes for rural families.

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News

Craft3 In The News

News

Funding for rural wastewater repairs in Oregon may run dry

Argus Observer

September

2025

Oregon families facing septic emergencies have until December 2025 to access emergency loans that have saved over 350 households from impossible $28,000+ repair bills.

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News

Funding your septic fix in Washington

Department of Ecology

September

2025

When septic systems fail, Washington families face impossible choices: live with water restrictions, drain savings for $30,000+ repairs, or risk health violations. While urban residents enjoy subsidized sewer systems, rural and low-income families bear the full cost alone. Since 2016, Craft3's partnership with Washington State Department of Ecology has changed this—providing affordable loans and grants that make clean water a shared responsibility.

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News

Building Better Deals: The Benefits of Bank Partnerships

August

2025

At Craft3, partnerships with banks are essential for delivering flexible, mission-driven capital to underserved communities. When we partner with banks, each institution brings its strengths to the table, often crafting deals that neither could do alone.

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News

Annual Report 2024

June

2025

We are committed to providing Capital where traditional markets fail, building Relationships that create lasting change, and amplifying the Voice of communities too often unheard in economic discussions. Together, these strategies are creating the foundation for a more thriving, just, and empowered region. Learn more in our 2024 Annual Report.

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News

Search for next Craft3 CEO hits milestone

June

2025

Craft3 is actively conducting an executive search for our next CEO. We're seeking a visionary leader to advance our mission of building a thriving, just and empowered Pacific Northwest.

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