Community Impact Investment Notes
Craft3’s Community Impact Investment Note lets accredited investors* put their money to work — for good — in communities across the Pacific Northwest by investing as little as $20,000.
Craft3 uses your investment to make high-impact, transformative loans to:
-
entrepreneurs who don’t qualify for bank financing
- homeowners looking to maintain and improve their property
- community facilities including childcare and nonprofit organizations
- Tribes seeking to build health care facilities and expand businesses
- other mission-driven projects including those focused on environmental sustainability and preservation
To ensure our lending does not perpetuate current disparities, our underwriting considers historical inequities in opportunities to: build wealth, secure good jobs, and access capital and other financial services.
In addition to economic returns, we focus on social and environmental impacts because we believe those are crucial to the long-term health, stability, and prosperity of our region.
The Community Impact Investment Note is an impact-first investment with a Pacific Northwest focus that provides strong economic, social, and environmental returns.
- Fixed income security
- Investments fund loans to Craft3 borrowers, not Craft3 overhead
- Investors receive regular financial and impact reporting
- 100% principal and interest repayment record since inception
Rates and Terms as of 11/04/22
- Investment minimum: $20,000
- Position and collateral: Senior, unsecured debt
- Fees: None
- Interest options: Paid annually or semi-annually, reinvested, or donated to Craft3
- Principal Repayment: At maturity
Term
|
Rate |
| 1 year |
1.25% |
| 2 years |
1.50% |
| 3 years |
1.75% |
| 5 years |
2.00% |
| 7 years |
2.25% |
| 10 years |
2.50% |
Craft3’s Community Impact Investment Note Investors Are Advised by Wealth Management Firms, including:
Investing for Impact and Change
Craft3 makes loans that launch startups, help businesses and nonprofits expand, enable communities to build essential facilities, and let homeowners invest in their property, whether by building an accessory dwelling unit (ADU), making energy efficiency improvements, or undertaking an emergency septic repair.
We prioritize serving entrepreneurs of color, and Native and low-wealth rural entrepreneurs and communities. We strive to expand opportunity, lessen the racial wealth gap, and empower and educate entrepreneurs.
Priority investment areas:
- Small Business Assets and Growth
- Essential Community Services
- Community Climate Adaptation
- Housing
Since 1994, Craft3 has:
- invested more than $700 million in communities across Oregon and Washington
- made almost 1,000 loans to entrepreneurs of color and indigenous-, woman-, immigrant- and veteran-owned businesses
- created or retained more than 17,000 jobs
- assisted more than 125,000 low-income families
Learn more about our impact measures.
Contact Us
Impact Stories