The Clearinghouse Community Development Financial Institution (CDFI) is a for-profit corporation that is addressing unmet credit needs throughout California.  The Clearinghouse CDFI provides direct loans for affordable housing, community development projects, small business and other qualified CRA activities. Our loan funds improve the lives of low-income families and the communities where they live. A safe and secure fund management plan provides a return to the corporate investor.

At the Clearinghouse CDFI we believe in providing equal access to credit in neighborhoods of all income levels and for all ethnic groups. We spend the time and energy required to find creditworthy borrowers whose projects create assets in the community. These borrowers, because of their unique circumstances, are rejected or not even considered by traditional lenders.

Community development lending must be profitable in order to be sustained. As with conventional lenders, we carefully evaluate each applicant’s ability to repay the loan. Unlike traditional lenders, we do not have predefined loan programs. We analyze each loan application individually. Every loan we make benefits the community in a measurable way.