Community Impact Investment Note

two men standing next to each other in front of a playground

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.

* The Craft3 Community Impact Investment Note is only available to investors who meet the requirements of an accredited investor, described in the offering memorandum and application.


Craft3 uses your investment to make high-impact, transformative loans to:

  • Entrepreneurs who don’t qualify for bank financing
  • Homeowners looking to make improvements that increase energy efficiency or keep local waters clean
  • Community facilities including childcare and nonprofit organizations
  • Tribes seeking to build health care facilities and expand businesses
  • Other mission-aligned 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.

Craft3 invests capital to foster economic opportunity, social equity, and environmental stewardship because we believe that each are critical to the long-term health, stability, and prosperity of our region.


Our 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

Terms & Rates

as of 5/01/2024
1 year
2 years
3 years
5 years
7 years
10 years

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

NOTE: To achieve even greater impact, an investor may elect to receive a lower interest rate, including 0%.


Current Investors

as of 04/12/2024

Many of Craft3’s Community Impact Investment Note investors choose to remain anonymous. The following investors and wealth management firms representing named and anonymous investors have agreed to be acknowledged:

Wealth Managers

  • AlTi Tiedemann Global
  • Arc Advisers, LLC
  • Arjuna Capital
  • Balanced Rock Investment Advisors
  • Baldwin Brothers, Inc
  • Becker Capital Management
  • Figure 8 Investment Strategies
  • Fresh Pond Capital, a division of Reynders, McVeigh Capital Management, LLC
  • Humanize Wealth
  • Laird Norton Wealth Management
  • Natural Investments, LLC
  • New  Outlook Financial, LLC
  • Progressive Investment Management
  • The Clarius Group
  • The Sustainability Group at Loring, Wolcott & Coolidge
  • Trillium Asset Management


  • Broetje Family Trust
  • CommonSpirit Health
  • Episcopal Diocese of Oregon
  • ImpactAssets, Inc.
  • Income & Impact Fund, New Summit Investments
  • Jim and Patty Rouse Charitable Foundation
  • Kitsap Bank
  • Kuni Foundation
  • Pacific Premier Trust
  • Puget Consumers Co-op
  • Ronald W. Naito MD Foundation
  • Satterberg Foundation
  • Sisters of the Holy Names of Jesus and Mary, U.S.-Ontario Province
  • Trinity Episcopal Cathedral


Investing for Impact and Change

When you invest with Craft3, you're helping to make a difference. We 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.

Helping Hands Re-entry Outreach Center


Making A Difference

Craft3 has originated over 10,000 loans totaling $750 million since inception, which have supported economic, social, and environmental outcomes. We focus on four Priority Investment Areas.

Visit our Impact page to learn more

Priority investment areas:

  • Small Business Assets and Growth
  • Essential Community Services
  • Community Climate Adaptation
  • Housing
impact stat


Download More Information

Get started on your Community Impact Investment Note application today.


Learn More About Our Organization


Connect with Craft3

If you have a question, something you’d like to discuss, or want to learn more, please use the form below to email us. We aim to respond within two business days.

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* The Craft3 Community Impact Investment Note is only available to investors who meet the requirements of an accredited investor, described in the offering memorandum and application.

Craft3 Community Impact Investment Notes are not certificates of deposit or deposit accounts or obligations of, or guaranteed or endorsed by, any bank, and are not insured by the FDIC, SIPC or any other agency. Prospective investors are advised that this website is not an offer to sell or a solicitation of an offer to buy any security. This website does not constitute an offer or solicitation in any state or other jurisdiction to any person or entity to which it is unlawful to make such offer or solicitation in such state or jurisdiction or in which a required notice has not been filed.

The offering by Craft3 is made solely through its Offering Memorandum and associated documentation provided to the prospective investor. An investment in the Craft3 Community Impact Investment Note involves risks as described in the Offering Memorandum, including without limitation, the loss of the principal invested in the Craft3 Community Impact Investment.

Our Team

"Everyday I get to do work that helps build and sustain vibrant communities."

Rachel Branson
Development Operations Officer