JUST Community
- Company typePrivate
- Founded2016
- HeadquartersAustin, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
JUST Community firmographics
Firmographics- Name
- JUST Community
- Legal name
- Just Community, Inc.
- Website
- https://hellojust.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
JUST Community industry classification
Industry- Product category
- Community Development Financial Services
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Microfinance & Community P2P Lending (FSAKAHAD)
- akta.pro secondary industries
- Secured Microloans (Community/Nonprofit, Collateralized) (FSAKALAJ), Community & Adult Education (Municipal/Community Schools) (EDAAAEAB)
Keywords
Where JUST Community is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
JUST Community business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Microloan Interest: JUST provides microloans to entrepreneurs and earns interest on these loans. The organization has deployed over $40 million in loans with a 99% repayment rate.
- Foundation Grants: JUST receives grants from foundations including Wells Fargo Foundation ($550,000 in 2025), Truist Foundation ($450,000 in 2023), and Bank of America. These grants support program expansion and operational costs.
- Donations: JUST accepts donations from individuals and organizations. A donate button is available on their website through Givelively platform.
- Bank Partnerships: Partnerships with banks including Texas Capital, Wells Fargo, and others who invest in JUST's programs and refer entrepreneurs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Microloans for entrepreneurs |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
JUST Community product offering
Product offeringCore offering
JUST Community is a Texas-based nonprofit Community Development Financial Institution (CDFI) that provides microloans, peer accountability programming (the JETA program), and financial coaching to Black and Brown women entrepreneurs across six Texas cities. The core lending product is offered through a trust-based model that does not require traditional credit scores, paired with structured coaching and accountability partnerships designed to support small business launch and growth.
Product overview
JUST Community is a nonprofit CDFI (Community Development Financial Institution) providing an integrated microfinance and wealth-building platform for Black and Brown women entrepreneurs in Texas. The offering combines three pillars — microloans, peer accountability through the JETA (JUST Entrepreneur Trust Agents) program, and coaching — supported by additional programs including the Financial Health Program (credit-building savings and payday lending alternative), the Asset Ownership Program (homeownership and wealth building), the Annual Savings Challenge (financial resilience), and the GROW workshop series. Entrepreneurs access services through in-person events, an online workshop platform, and a Salesforce-based customer portal. The organization operates across Austin, Dallas, Houston, Fort Worth, San Antonio, and El Paso, Texas, achieving a 99% loan repayment rate across over $33 million invested.
Differentiator
Problem solved
Functional benefit
Brands
- JETA (JUST Entrepreneur Trust Agents): A peer support group program where entrepreneurs self-organize their own business support groups for accountability and growth. JETAs gain access to JUST business loans and other resources.
- GROW
- JETA Program
Products and services
- JETA Program Peer accountability program that pairs each participating entrepreneur with an accountability partner to support loan repayment, business discipline, and personal follow-through. Designed for Black and Brown women entrepreneurs receiving microloans from JUST Community.
- Microloans Small-dollar loans offered to Black and Brown women entrepreneurs in Texas under a trust-based model that does not require traditional credit scores. Backed by CDFI capital and paired with peer accountability and coaching.
- Financial Health Program Educational and coaching program supporting entrepreneurs' personal financial health, including budgeting, savings, and foundational money management. Targeted at Black and Brown women entrepreneurs participating in JUST Community.
- Asset Ownership Program Program designed to help Black and Brown women entrepreneurs build long-term personal and business assets, supporting wealth accumulation beyond the loan cycle.
- Annual Savings Challenge Annual cohort-based savings challenge engaging entrepreneurs in structured savings habits over a defined period, reinforcing repayment discipline and personal financial progress.
- GROW Program Program supporting entrepreneurs in scaling and growing their existing businesses, providing structured coaching and resources for business expansion.
- JUST Information Sessions Recurring in-person and live information sessions held across six Texas cities to onboard prospective entrepreneurs into JUST Community's loan and program offerings.
Quantifiable outcome
- 99% loan repayment rate
- +6 more outcomes
Companies that use JUST Community
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles1 record
JUST Community technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
JUST Community partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Stand Together FoundationcoreStand Together Foundation provides Principle-Based Management (PBM) coaching that helped JUST operationalize their culture and build organizational scaffolding for growth. Helped clarify JUST's three Capabilities: Building resilient communities, Developing leaders, and Unlocking financial resources to build wealth.
- SD DavidsonminorMarketing/PR partner listed on partners page
- Glimmer AustinminorPartner organization listed on partners page
- DovetailminorPartner organization listed on partners page
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
JUST Community competitors and assessment
Company assessmentDirect peers
- Grameen America: Grameen America operates one of the largest U.S. microfinance networks, providing small-dollar loans, financial education, and peer-group support to women entrepreneurs — closely mirroring JUST's microloan-plus-peer-accountability model.
- LiftFund: LiftFund is a Texas-headquartered CDFI providing small business loans and entrepreneurship support to underserved borrowers, directly comparable to JUST in both geography (Texas/Southwest) and mission.
- Accion Opportunity Fund: Accion Opportunity Fund (formerly Opportunity Fund) is a CDFI providing small-dollar loans and advisory to small business owners who lack access to traditional capital — directly comparable to JUST's trust-based lending to underserved entrepreneurs.
- Kiva: Kiva is a global peer-to-peer micro-lending platform that crowdfunds 0% interest loans for underserved entrepreneurs, comparable to JUST in offering character-based microcredit and community-supported capital to borrowers excluded from traditional finance.
- DreamSpring: DreamSpring is a nonprofit CDFI providing small business loans, coaching, and capital to underserved entrepreneurs, with a similar operating model to JUST combining microloans with non-financial support services.
- Justine PETERSEN: Justine PETERSEN is a St. Louis-based CDFI offering microloans, housing counseling, and small business services to low-income entrepreneurs, comparable in mission and product set though focused on a different region.
Emerging players
- Pacific Community Ventures: Pacific Community Ventures supports small businesses and entrepreneurs in underserved communities through capital and advisory programs, with a similar community-development focus but a West Coast geographic orientation.
Broad incumbents
- Capital Impact Partners: Capital Impact Partners is a national CDFI providing capital and capacity-building to underserved communities, broader in scope than JUST but operating in the same community-development financial institution category.
- Community Reinvestment Fund: Community Reinvestment Fund is a national nonprofit CDFI providing capital to underserved small businesses and communities, comparable to JUST's mission but operating at significantly larger scale across multiple geographies.
- Local Initiatives Support Corporation (LISC): LISC is a major national CDFI and community development intermediary providing loans, grants, and capacity-building to local entrepreneurs and community organizations — overlapping with JUST's mission but at substantially greater scale and geographic reach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
JUST Community social profiles
Digital presenceJUST Community financial estimates
Financial estimateRevenue estimate
Valuation estimate
JUST Community leadership team
Management profileNumber of profiles
Profiles20 records
JUST Community funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
JUST Community M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about JUST Community
What does JUST Community do?
JUST Community is a Texas-based nonprofit Community Development Financial Institution (CDFI) that provides microloans, peer accountability programming (the JETA program), and financial coaching to Black and Brown women entrepreneurs across six Texas cities. The core lending product is offered through a trust-based model that does not require traditional credit scores, paired with structured coaching and accountability partnerships designed to support small business launch and growth.
Is JUST Community a public or private company?
JUST Community is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was JUST Community founded?
JUST Community was founded in 2016. It employs 11 to 50 people.
Where is JUST Community based?
JUST Community is headquartered in Austin, United States, in the North America region.
How does JUST Community make money?
Four revenue lines are on record. Microloan Interest is the primary driver. The others are foundation Grants, donations and bank Partnerships.
Who are JUST Community's main competitors?
Direct peers on record are Grameen America, LiftFund, Accion Opportunity Fund, Kiva, DreamSpring and Justine PETERSEN. Pacific Community Ventures is listed as an emerging player. Broad incumbents are Capital Impact Partners, Community Reinvestment Fund and Local Initiatives Support Corporation (LISC).
Does JUST Community have an API?
No public API is recorded for JUST Community.
What industry is JUST Community in?
JUST Community's product category is Community Development Financial Services. Its primary akta.pro industry code is FSAKAHAD, Microfinance & Community P2P Lending, with a secondary code of FSAKALAJ, Secured Microloans (Community/Nonprofit, Collateralized). Its SIC code is 6141.