Farmers Market 2

Investor FAQ

Why is a CDFI so vital to our community?

Community Development Financial Institutions—or CDFIs—emerged in response to a lack of access to responsible and affordable credit and capital in minority and economically distressed communities. The Community Development Financial Institutions Fund (CDFI Fund), part of the U.S. Department of the Treasury, plays a unique and important role in generating economic growth in America. By fostering the creation and expanding the capacity of community-based financial institutions that specialize in providing affordable credit, capital, and financial services, the CDFI Fund builds businesses, creates jobs, and revitalizes neighborhoods. Find out more about the history and impacts nationally at

What has the impact been of our CDFI?

Since its inception in 2011, Community LendingWorks has maintained an impressive portfolio, awarding hundreds of loans totaling more than $700,000.

See here for our most current historical loan data.

What areas do you serve?

Our primary target markets are Lane, Marion and Linn County, Oregon, with the ability to lend throughout the state.

Who are your clients?

Our primary target markets:

  • People of low-income
  • Target investment areas of distressed census tracks

Is my investment treated as a loan?

Investors choose the amount they would like to invest, the term, and interest rate from the following:

  • A minimum of $1,000-$250,000+
  • A term of 2 to 5 years
  • An interest rate of 1.25% – 2.00%

Will I receive a return?

Investors make the choice to receive accrual interest annually on the anniversary date or upon maturity. At the end of the term or the end of the year, investors receive a check with the total interest they have accrued. Upon maturity, investors have the choice to roll over the principal for another investment, or request that the principal be returned. Investors also receive a social return on investment, enjoying the satisfaction of knowing they have helped create economic opportunity in their community.

Although investments are unsecured and there is no guarantee the entire principal payment will be returned, Community LendingWorks is a financially stable organization that has never defaulted on a loan.

Do you have a loan loss reserve account to help protect investors?

Yes. A cash loan loss reserve is set up and evaluated quarterly based on loan growth and performance.

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