Community Crafted Lending

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

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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.

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, whether through energy efficiency improvements, a septic repair, building an accessory dwelling unit (ADU), or replacing an aging manufactured home.

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

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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.

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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.

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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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.

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Craft3 In The News

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Washington Community Investment Coalition

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May

2023

Seizing an unexpected opportunity, Craft3 and other CDFIs in the Pacific Northwest came together to advocate for and obtain dedicated funding from Washington state.

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Prosper Portland

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May

2023

To change outcomes, you need to change the system. Prosper Portland and Craft3 work to deliver more equitable and inclusive approaches to community development finance.

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Clean Water Loans Deliver Housing Stability and Water Quality

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May

2023

When septic systems fail, they are costly to repair or replace and, if unaddressed, they can make homes unlivable, impact public health and contaminate drinking water.

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Financial institutions receive money to help underserved communities

The Astorian

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April

2023

Adam Zimmerman, Craft3’s chief executive officer, told The Astorian that the goal of the U.S. Treasury grant is to expand the lender’s ability to provide small-business loans in Oregon and Washington state.

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U.S. Treasury grants $22 million to Oregon financial institutions to help low-income communities

Oregon Capital Chronicle

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April

2023

Craft3 among the seven financial institutions in Oregon awarded a total of $22.3 million in grants from the federal government to help underserved communities recover from the pandemic.

Featured Resources

Tools and Tips

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For Businesses

Getting Loan Ready Toolkit

We want to make the loan process as clear and transparent as possible. Here are some resources to support business preparation and growth.

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For Businesses

Your Business Journey

We hope this business journey worksheet helps you think about your next steps and anticipate potential setbacks.

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For Businesses

Business Plan Template

A simple guide from the U.S. Small Business Administration to developing a business plan, an essential document for all startup businesses.