Community Crafted Lending

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

a man standing in a kitchen preparing food
a woman helping a little girl with her homework
a man standing on top of a metal roof
a couple of people standing in a room
a woman cutting another woman's hair in a salon
a man working on a machine in a shop

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 or building an accessory dwelling unit (ADU).

a young girl riding a bike down a street next to a group of people

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

a group of people posing for a picture in front of a house
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.

impact stat

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.

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.

man and woman standing in front of local storefront

Customer Stories

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

News

Craft3 In The News

News

Camano Island community takes the lead on septic solutions

Washington Department of Ecology

//

October

2023

Wastewater treatment is an essential part of life, even if its usually in the background. However, when there’s a sewage issue, it is difficult to ignore. For years, the Maple Grove community on Camano Island has had to focus on their sewage. Through community collaboration and support from Ecology’s onsite sewage regional loan program, these neighbors are on their way to cleaner, safer water and better wastewater management.

News

Investing in Climate and Conservation Financing

//

October

2023

Brad Hunter, Senior Business Lender, leads Craft3’s conservation and climate lending. With deep experience in natural resource management and land conservation, as well as familiarity with energy financing, Brad is well equipped to do this important work. He’s also skilled at explaining the complex landscape of financing, incentives, and on-the-ground projects.

News

Conservation Bridge Fund

//

August

2023

Craft3 is committed to helping land trusts, Tribes, and other conservation organizations succeed by providing flexible capital, expert advice, and a nimble team. As the pace and scale of land conservation continues to grow in the Pacific Northwest, Craft3 is there to support critical property acquisitions ahead of long-term funding.

News

Putting Our New Strategic Plan in Context for Our Investors, Grantors, and Partners

//

July

2023

Craft3’s new strategic plan focuses on relevant and concerning challenges facing our region – systemic racism, the climate crisis, and the lack of investment in and integration of rural and Tribal economies.

News

Build Up Oregon: Early education facilities at affordable housing developments

The Chronicle

//

July

2023

Build Up Oregon initially aims to create or preserve 600 ECE slots by supporting co-location with affordable housing developments. Increased ECE slots will help low-income families access early education, provide economic development opportunities, and strengthen communities.

Featured Resources

Tools and Tips

pdf iconimage iconlink iconvideo icon
For Businesses

The Definitive Guide to Getting Loan Ready

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

pdf iconimage iconlink iconvideo icon
For Businesses

Your Business Journey

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

pdf iconimage iconlink iconvideo icon
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.