CDFI Partners
Eight engaged CDFI partners through direct relationship-building across the Western North Carolina lending ecosystem. Combined addressable deal flow: 60 to 90 qualifying affordability-declined deals per year at full network participation.
ARC Fund operates in the background. You originate, underwrite, and service under your existing standards. The rate buy-down is invisible to the borrower.
You apply your existing underwriting criteria. ARC Fund does not add documentation requirements or override credit decisions.
You keep origination fee income and all interest revenue. Service fee is 3% of the subsidy, netted automatically from the quarterly payment.
Qualify borrowers who pass your credit review but fail at monthly payment load. ARC Fund bridges that gap without changing your loan terms.
On a $150K deal over 60 months, CDFI net income is $31,828 after provision and servicing costs. The ARC subsidy makes your portfolio work harder.
Eight CDFI partners confirmed through direct relationship-building across the Western North Carolina lending ecosystem. Together they represent deep coverage of the region: small business lending, Native community finance, BIPOC entrepreneur access, women-owned business development, housing and broadband, and employment social enterprise. Combined addressable deal flow is 60 to 90 qualifying affordability-declined deals per year at full network participation.
ARC Fund's anchor CDFI partner. Provides business loans from $1K to $500K across Western North Carolina with approximately 50 loans originated per year.
Regional CDFI with active Hurricane Helene recovery operations across a nine-state Appalachian footprint. Active lending continues post-emergency relief wind-down.
CDFI serving a 22-county region in Western North Carolina with particular depth in women-owned business lending through the Western Women's Business Center.
Engaged lender with specific focus on BIPOC entrepreneur access to capital. Provides business development support alongside lending.
Business lending and housing CDFI piloting AI-assisted underwriting. Combined business and housing lending portfolio with a growing Appalachian footprint.
Employment social enterprise CDFI with a mission focus on job creation and retention in Appalachian communities through business lending.
Native CDFI serving the Eastern Band of Cherokee Indians and surrounding communities across the seven westernmost counties of North Carolina.
CDFI expanding its Appalachian presence with a combined small business and housing lending focus. ICAP brings institutional capacity and a growing regional network.
Partner onboarding requires four standard legal documents. ARC Fund covers the estimated $8,000 to $12,000 in one-time legal costs through the operating budget.
The governing document between ARC Fund and the CDFI partner. Defines eligibility criteria, payment terms, reporting requirements, and fee structure.
A standardized CDFI document certifying that the borrower qualifies on credit but was declined for affordability at the standard rate. ARC Fund is building this as a field-standard form.
A standardized report submitted within 15 calendar days of each quarter end listing all active qualifying loans and their status.
Governs how deal-level outcome data flows into ARC Fund's proprietary dataset. Defines privacy protections, permissioned uses, and ARC's publication rights.
ARC Fund is building a proprietary deal-level dataset on affordability-declined borrower outcomes in Appalachia. This data has no precedent in published research and will be published through open field-building channels to strengthen the broader CDFI ecosystem.
Affordability-declined borrower outcomes in Appalachia. Built through every transaction in the portfolio and published through open field-building channels.
A field-standard document ARC Fund is building to become the national standard for documenting affordability-based declines.
Published through national CDFI channels. Open field-building research through ARC Fund 501(c)(3).
Years 3 to 5. Trained on deal-level outcomes from the ARC portfolio. Commercial deployment through Eli Innovation Group, LLC.
Pre-launch development is underway. Complete the expression of interest form and we will follow up with the full partner packet.
Express Interest as a CDFI