Our former borrower ECLOF International is a pioneer in the microfinance and sustainable agriculture sectors. Isidro Montas (pictured) is a client of ECLOF Dominican Republic. He runs a thriving lemon, avocado, and decorative palm farm. Isidro says that he owes this success to his passion for work and ECLOF’s economic advice.
Community Investment Note®
We finance businesses building a better future
Our Community Investment Note® (the Note) portfolio is comprised of organizations that address critical community and environmental needs around the world. Affordable housing, renewable energy, small business finance, sustainable agriculture and more, we invest in sectors and geographies whose needs are not met by traditional capital markets.
The Note portfolio is diversified and dynamic; we continuously add new organizations into our portfolio and successfully graduate others out. Since 1995, we’ve made over 1,000 loans and investments to more than 550 organizations across 100+ countries, supporting hundreds of thousands of businesses and improving millions of lives around the world.
Our investment approach goes beyond individual transactions. With every deal, we deliberately work to build the infrastructure required to move more capital to places that need it most. Learn more about some of the landmark transactions we've invested in.
Learn more about the sectors we invest in and explore our current portfolio list below.
Community Investment Note Portfolio: By The Numbers
Our capital strengthens around 100 organizations that work across sectors and geographies to create positive impact for people and the planet.
Total portfolio balance
$571,771,003
Total number of loans and investments
92
Total number of countries reached
111
Cumulative portfolio repayment rate
Over 99%
Cumulative investor repayment rate
100%^
Data as of Q4 2025. ^Past performance is no guarantee of future results.
Explore Our Impact Sectors
Affordable
Housing
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Affordable Housing 2
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Portfolio List
The Community Investment Note portfolio is a diverse mix of over 100 organizations that operate across a range of sectors and geographies. We continuously add new organizations to our portfolio and graduate others out of our portfolio. Click on each portfolio partner to learn more.
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Organization
Sectors & Topics
Region
Country
US State
Sustainable Agriculture
Environmental Sustainability
Gender Equity
East Asia & Pacific
Indonesia
N/A
Small Business
East Asia & Pacific
Cambodia, China, Indonesia, Mongolia, Myanmar, Philippines, Thailand, Vietnam
N/A
Small Business
Microfinance
Gender Equity
East Asia & Pacific, South America
Colombia, Indonesia, Mexico, Peru, Philippines, Vietnam
N/A
Small Business
Gender Equity
North America
United States
California
Small Business
Health
Renewable Energy
North America, Central America & Caribbean
United States
Puerto Rico
Small Business
Gender Equity
Central America & Caribbean, East Asia & Pacific, Europe, Middle East & North Africa, North America, South America, South Asia, Sub-Saharan Africa
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N/A
N/A
Affordable Housing
Community Development
North America
United States
District of Columbia, Maryland, Virginia
Affordable Housing
Community Development
North America
United States
Texas
Environmental Sustainability
Renewable Energy
Small Business
Sub-Saharan Africa
Burkina Faso, Cameroon, Chad, Cote d’Ivoire, Democratic Republic of the Congo, Kenya, Mauritius, Niger, Nigeria, Rwanda, South Africa, Togo, Uganda
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N/A
Sustainable Agriculture
Small Business
Gender Equity
Central America & Caribbean, East Asia & Pacific, South America, Sub-Saharan Africa
Benin, Bolivia, Burkina Faso, Cote d’Ivoire, Ecuador, Ghana, Kenya, Mali, Uganda
N/A
Affordable Housing
Community Development
Environmental Sustainability
North America
United States
Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Hawaii, Illinois, Indiana, Iowa, Louisiana, Maryland, Michigan, Minnesota, Nevada, New York, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Texas, Washington
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Environmental Sustainability
Health
Gender Equity
Central America & Caribbean
El Salvador
N/A
Environmental Sustainability
Sustainable Agriculture
Central America & Caribbean
Honduras
N/A
Small Business
Environmental Sustainability
Central America & Caribbean, South America
Costa Rica
N/A
Renewable Energy
Environmental Sustainability
North America
United States
Maryland
Microfinance
Environmental Sustainability
Central America & Caribbean, East Asia & Pacific, Europe, Middle East & North Africa, Russia & Independent States, South America, South Asia, Sub-Saharan Africa
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Colombia, Ecuador, Georgia, India, Mexico, Mongolia, Myanmar, Pakistan, Peru
N/A
Gender Equity
Small Business
Microfinance
Latin America, Caribbean
Bolivia, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Mexico, Nicaragua, Panama, Peru
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N/A
Microfinance
Affordable Housing
Environmental Sustainability
Education
Sustainable Agriculture
Renewable Energy
Small Business
Gender Equity
Central America & Caribbean, East Asia & Pacific, Europe, Middle East & North Africa, Russia & Independent States, South America, South Asia, Sub-Saharan Africa
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Armenia, Belarus, Bolivia, Bosnia and Herzegovina, Botswana, Cambodia, Costa Rica, Dominican Republic, Ecuador, El Salvador, France, Georgia, Ghana, Guatemala, Honduras, India, Indonesia, Jordan, Kazakhstan, Kenya, Kosovo, Kyrgyzstan, Lebanon, Macedonia, Mexico, Moldova, Mongolia, Montenegro, Myanmar, Namibia, Nicaragua, Nigeria, Pakistan, Panama, Paraguay, Peru, Poland, Romania, Serbia, Sri Lanka, Tajikistan, Tanzania, Togo, Ukraine, Uzbekistan, Zambia
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N/A
Affordable Housing
Community Development
Education
Health
Gender Equity
North America
United States
Oregon
Affordable Housing
Community Development
North America
United States
Alabama, California, Colorado, Delaware, Florida, Indiana, Louisiana, Maryland, Minnesota, New Mexico, New York, Ohio, Oklahoma, Texas, Virginia
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Education
Small Business
Gender Equity
North America
United States
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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Environmental Sustainability
Sub-Saharan Africa
Gabon, Ghana, South Africa, Swaziland, Tanzania, Uganda
N/A
Renewable Energy
Sub-Saharan Africa
Nigeria, Tanzania, Zambia
N/A
Community Development
Small Business
North America
United States
Maryland
Environmental Sustainability
Sustainable Agriculture
Central America & Caribbean, South America
Brazil, Chile, Colombia, Costa Rica, Ecuador, Guatemala, Mexico, Nicaragua, Peru
N/A
Affordable Housing
Community Development
North America
United States
District of Columbia, Florida, Maryland, Minnesota, Washington
Community Development
Affordable Housing
North America
United States
Alabama, Kentucky, Maryland, Tennessee, Virginia, West Virginia
Community Development
Education
Microfinance
Gender Equity
Europe, Middle East & North Africa, Sub-Saharan Africa
Afghanistan, Armenia, Azerbaijan, Bosnia and Herzegovina, Colombia, Democratic Republic of the Congo, Egypt, Ethiopia, Georgia, Ghana, Haiti, Honduras, India, Indonesia, Iraq, Jordan, Kenya, Kosovo, Lebanon, Liberia, Mexico, Mongolia, Montenegro, Nicaragua, Pakistan, Peru, Romania, Rwanda, Serbia, Sudan (South), Syrian Arab Republic, Tajikistan, Uganda, Yemen
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N/A
Microfinance
Small Business
Gender Equity
Central America & Caribbean, Central Asia, East Asia & Pacific, Eastern Europe, Middle East & North Africa, South Asia, Sub-Saharan Africa
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Bosnia and Herzegovina, China, Ecuador, Georgia, India, Kosovo, Mongolia, Nicaragua, Uzbekistan
N/A
Microfinance
Small Business
Gender Equity
North America
United States
California, Connecticut, Florida, Georgia, Illinois, Indiana, Massachusetts, Nebraska, New Jersey, New York, North Carolina, Tennessee, Texas
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Small Business
North America
United States
Alabama, Alaska, American Samoa, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Guam, Hawaii, Idaho, Illinois, Indian Country, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Northern Mariana Islands, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, U.S. Virgin Islands, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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Small Business
North America
United States
Alabama, Alaska, American Samoa, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Guam, Hawaii, Idaho, Illinois, Indian Country, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Northern Mariana Islands, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, U.S. Virgin Islands, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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Small Business
North America
United States
Alabama, Alaska, American Samoa, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Guam, Hawaii, Idaho, Illinois, Indian Country, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Northern Mariana Islands, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, U.S. Virgin Islands, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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Small Business
North America
United States
Alabama, Alaska, American Samoa, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Guam, Hawaii, Idaho, Illinois, Indian Country, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Northern Mariana Islands, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, U.S. Virgin Islands, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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Small Business
Gender Equity
Middle East & North Africa, Sub-Saharan Africa
Cote d’Ivoire, Egypt, Ghana, Kenya, Nigeria, Rwanda, Senegal, South Africa, Tanzania, Uganda, Zambia
N/A
Affordable Housing
Community Development
North America
United States
Alabama, Louisiana, Mississippi, Texas
Affordable Housing
Community Development
Gender Equity
Environmental Sustainability
North America
United States
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Show All
Affordable Housing
North America
United States
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Show All
Small Business
Gender Equity
South Asia
India
N/A
Small Business
Microfinance
Gender Equity
East Asia & Pacific, Sub-Saharan Africa
Egypt, Ghana, Indonesia, Kenya, Mexico, Nigeria, Philippines, South Africa, Uganda
N/A
Small Business
Microfinance
Central America & Caribbean, East Asia & Pacific, Middle East & North Africa, South America, South Asia, Sub-Saharan Africa
Show All
Bangladesh, Benin, Colombia, Cote d'Ivoire, Egypt, Ghana, Indonesia, Kenya, Mexico, Peru, Philippines, South Africa, Tanzania, Uganda, Vietnam
Show All
N/A
Microfinance
Gender Equity
East Asia & Pacific, Europe, Middle East & North Africa, South America, South Asia, Sub-Saharan Africa
Show All
Botswana, Cambodia, Democratic Republic of the Congo, Ecuador, Ghana, India, Kenya, Kosovo, Madagascar, Malawi, Malta, Mauritius, Mozambique, Namibia, Netherlands, Paraguay, Peru, Philippines, Serbia, Seychelles, Singapore, South Africa, Tanzania, Uganda, Zambia, Zimbabwe
Show All
N/A
Microfinance
Gender Equity
Central America & Caribbean, Europe, Middle East & North Africa, Russia & Independent States, South America, South Asia, Sub-Saharan Africa
Show All
El Salvador, Germany, India, Kazakhstan, Paraguay, Peru, Tanzania, Tunisia
N/A
Renewable Energy
Small Business
Gender Equity
Sub-Saharan Africa
Cote d’Ivoire, Ghana, Kenya, Malawi, Nigeria, Rwanda, Senegal, Uganda, Zambia
N/A
Environmental Sustainability
Renewable Energy
North America
United States
Arkansas, California, Colorado, Connecticut, District of Columbia, Illinois, Kentucky, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Virginia, Wisconsin
Show All
Community Development
Environmental Sustainability
Education
Health
Sustainable Agriculture
Renewable Energy
Small Business
Gender Equity
North America
United States
Georgia, Kentucky, Maryland, North Carolina, Ohio, South Carolina, Tennessee, Virginia, West Virginia
Show All
Affordable Housing
Community Development
Gender Equity
Environmental Sustainability
Renewable Energy
North America
United States
Connecticut, District of Columbia, Florida, Illinois, Kentucky, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, North Carolina, Ohio, Rhode Island
Show All
Affordable Housing
Community Development
North America
United States
Connecticut, Delaware, Maine, Massachusetts, Minnesota, Montana, New Hampshire, New York, Oregon, Rhode Island, Tennessee, Texas, Utah, Vermont, Washington, Wisconsin
Show All
Affordable Housing
North America
United States
California, Colorado, Connecticut, District of Columbia, Illinois, Maryland, Massachusetts, Michigan, New York, Ohio, Pennsylvania
Show All
Small Business
Gender Equity
Middle East & North Africa
Egypt, Jordan, Lebanon, Morocco, Palestine, Tunisia
N/A
Affordable Housing
Community Development
North America
United States
California
Environmental Sustainability
Sustainable Agriculture
Sub-Saharan Africa
Seychelles
N/A
Renewable Energy
Environmental Sustainability
North America
United States
California, District of Columbia, Massachusetts, North Carolina, Vermont
Environmental Sustainability
Renewable Energy
North America
United States
Arizona, Connecticut, Maine, Massachusetts, New York, Vermont
Small Business
North America
United States
Puerto Rico
Renewable Energy
Small Business
Gender Equity
South Asia, Sub-Saharan Africa
Cote d’Ivoire, Democratic Republic of the Congo, Egypt, Ghana, India, Kenya, Mozambique, Myanmar, Nigeria, Tanzania, Zambia
Show All
N/A
Affordable Housing
Community Development
Health
North America
United States
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Show All
Education
Gender Equity
North America
United States
Indiana, Kentucky, Massachusetts, Minnesota, New Jersey, North Carolina, Ohio, Puerto Rico, Rhode Island
Show All
Environmental Sustainability
Small Business
Sustainable Agriculture
Central America & Caribbean, South America
Colombia, Costa Rica, Ecuador, El Salvador, Honduras, Nicaragua, Panama
N/A
Environmental Sustainability
Sustainable Agriculture
Sub-Saharan Africa
Angola, Ascension, Benin, Botswana, Burkina Faso, Burundi, Cabo Verde, Cameroon, Central African Republic, Chad, Comoros, Cote d’Ivoire, Democratic Republic of the Congo, Djibouti, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Kenya, Lesotho, Liberia, Madagascar, Malawi, Mali, Mauritania, Mauritius, Mozambique, Namibia, Niger, Nigeria, Republic of the Congo, Rwanda, Saint Helena, Sao Tome and Principe, Senegal, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Tanzania, Togo, Tristan da Cunha, Uganda, Zambia, Zimbabwe
Show All
N/A
Renewable Energy
Gender Equity
East Asia & Pacific, South Asia, Sub-Saharan Africa
N/A
N/A
Renewable Energy
Environmental Sustainability
East Asia & Pacific, South Asia
Bangladesh, Cambodia, India, Indonesia, Malaysia, Maldives, Nepal, Philippines, Sri Lanka, Thailand, Vietnam
Show All
N/A
Sustainable Agriculture
Environmental Sustainability
Small Business
Gender Equity
Central America & Caribbean, East Asia & Pacific, Europe, Middle East & North Africa, South America, South Asia, Sub-Saharan Africa
Show All
Colombia, India, Indonesia, Nigeria, Peru, Sri Lanka, Uganda, United Kingdom, Vietnam
N/A
Microfinance
Gender Equity
Small Business
Central America & Caribbean, East Asia & Pacific, Europe, Middle East & North Africa, South America, South Asia, Sub-Saharan Africa
Show All
Armenia, China, Georgia, India, Vietnam
N/A
