Finance & Lending

CAPITAL THAT KEEPS CITIES MOVING

Cities stall when capital is fragmented. We help public agencies, lenders, and private partners structure finance that reaches small businesses, neighborhoods, and infrastructure — with terms that match urban reality, not a generic credit model.

Community & Small Business Lending

We design lending pathways that get working capital to local firms, storefronts, and neighborhood operators who sit outside conventional bank boxes.

Catalytic & Infrastructure Capital

We align public tools, CDFI credit, and private investment so housing, corridors, and civic projects can close — and keep producing returns for the city.

$2B +

CAPITAL STRUCTURED

40 +

LENDING PARTNERS ENGAGED

18

CITIES IN THE PIPELINE

100 %

PLACE-BASED FOCUS

LENDING PRODUCTS FOR URBAN GROWTH

From first-loss facilities to municipal credit, we match the right capital stack to the job — so projects move from concept to close.

Small Business Lending

Credit facilities, loan-loss reserves, and origination support for city-backed and CDFI small business programs that actually reach Main Street.

Community Development Finance

NMTC, CDFI lending, and neighborhood capital that stays in the places that need it — housing, corridors, and community-owned assets.

Municipal & Infrastructure Capital

Bond strategy, credit enhancement, and public-private structures for streets, housing, transit, and civic assets that cities cannot defer.

Public-Private Investment

Co-investment platforms that bring lenders, agencies, and private sponsors onto one term sheet — with shared risk and a clear path to close.

HOW URBAN CAPITAL GETS TO WORK

Every deal starts with a gap: a storefront that cannot get a loan, a housing stack that will not close, a corridor that needs credit enhancement. We run a four-step process so the right capital actually reaches the block.

Diagnose the gap

Map who cannot get credit, which products are missing, and where public tools can take first-loss or credit enhancement.

Structure the stack

Layer CDFI lending, municipal credit, guarantees, and private capital so the deal can actually close on city terms.

Bring in lenders

Sit banks, CDFIs, agencies, and sponsors at one table with a shared term sheet, timeline, and underwriting path.

Close and recycle

Execute, report against place-based metrics, and recycle repaid capital into the next corridor, housing stack, or small business round.

Capital stack

Who puts money in

We do not originate a generic loan product. We assemble the stack that fits the place.

Public

City and agency tools

Guarantees, CDBG, tax credits, and first-loss that make private credit possible.

Mission

CDFI and community

Neighborhood lenders who can underwrite Main Street and housing that banks skip.

Private

Banks and sponsors

Senior debt and equity that close once risk is sized to the urban project.

Unlock Capital

Let's structure the next round of urban lending. Talk with our capital team.