Inclusiv

What Inclusiv does

Inclusiv is a 501(c)(3) nonprofit founded in 1974 (as NFCDCU) and headquartered in New York that operates as the national CDFI intermediary for community development credit unions (CDCUs) and Puerto Rican cooperativas. It serves more than 500 member institutions across all 50 states, Puerto Rico, the U.S. Virgin Islands, and Guam, reaching 4.9 million Americans primarily in low- and moderate-income (LMI) communities. Its core functions are to mobilize and deploy impact capital, build member capacity, and provide secondary-market liquidity to institutions that serve populations historically excluded from the financial mainstream.

Inclusiv's product platform is organized around three pillars: Impact Capital (grants, social impact deposits, subordinated debt, and the Inclusiv Impact Deposits Fund and Southern Equity Fund), the Loan Participation Marketplace and Secondary Mortgage Market (FLOW, Bulk, and Second Look programs that buy, sell, and re-underwrite loans), and Learning Center plus Technical Assistance tools (FIDAP analytics platform, MDI support, green lending scaling, compliance, mortgage servicing). A Small Business Capital Initiative Loan Loss Fund provides up to 20% loss guarantees on enrolled loans. The technology stack centers on FIDAP for impact measurement and a marketplace platform that supports NCUA- and COSSEC-compliant transactions across small business, residential solar, and mortgage loans.

Revenue is generated primarily through federal and philanthropic grants (including a landmark $1.87B CCIA award from EPA's Greenhouse Gas Reduction Fund, $9M from Yield Giving, $5M from the Packard Foundation, $5M from NYS ESD, $3M from Costco), management fees on internally operated impact funds (totaling $145M+ in committed/managed assets), and tuition-based training through the Learning Center. Pricing is freemium for educational content and grant-based for programmatic services, with selected products such as matched-savings grants priced at $50,000–$75,000. The go-to-market is community-led: credit unions apply for membership and access Inclusiv's capital, secondary market, and compliance infrastructure as an integrated platform, supplemented by advocacy and convenings (annual conference, regional convenings, webinars).

Name

Inclusiv

Legal name

Inclusiv

Website

https://inclusiv.org

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

11–50 employees

Short description

Inclusiv is a national 501(c)(3) CDFI intermediary founded in 1974 that mobilizes impact capital, secondary-market liquidity, and technical assistance for 500+ community development credit unions serving low- and moderate-income communities across the U.S. and Puerto Rico.

Ownership category

akta.pro rank

Product category

Community Development Financial Institution Intermediary Services

NAICS

Grantmaking and Giving Services (81321), Civic and Social Organizations (813410), Credit Unions (522130)

SIC

Services-Membership Organizations (8600), Services-Social Services (8300), Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

akta.pro secondary industry

Public Charities & Grantmaking Intermediaries (BPAGAKAE)

Keywords

• Community development finance
• Credit union services
• Impact investment funds
• Secondary mortgage market
• Financial inclusion training

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Grants and Federal Funding: Inclusiv receives federal grants including the $1.87 billion CCIA GGRF award and CDFI Fund awards. These grants are used to support community development credit unions and clean energy projects.
2. Impact Investment Services: Inclusiv manages impact investment funds including the Inclusiv Impact Deposits Fund, Southern Equity Fund, and provides subordinated debt and social impact deposits to community development credit unions. Revenue generated through fund management and investment returns.
3. Training and Technical Assistance: Learning Center offers both free and paid training courses to credit unions including Financial Inclusion, Homeownership, Small Business, and Clean Energy training programs. Revenue from tuition-based courses and scholarship programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Inclusiv is a national CDFI intermediary that supports a network of more than 500 community development credit unions (CDCUs) and cooperativas by channeling impact capital (grants, deposits, subordinated debt, and investments), operating a secondary mortgage market and loan participation marketplace, providing risk-mitigation tools such as a loan loss fund, and delivering technical assistance and training to build credit union capacity. It also manages investment funds (Inclusiv Impact Deposits Fund and Southern Equity Fund) and designates programs like Juntos Avanzamos and Business Forward to expand inclusive financial services for low- and moderate-income communities.

Product overview

Inclusiv operates as a national network of more than 500 community development credit unions (CDCUs) and cooperativas, offering a comprehensive platform of financial products and services. The core portfolio includes Impact Capital (grants, deposits, investments), Secondary Mortgage Market programs (FLOW, Bulk, Second Look), Loan Participation Marketplace, Loan Loss Fund, Social Impact Deposits, and Subordinated Debt. Supporting infrastructure includes Learning Center (training in Financial Inclusion, Homeownership, Small Business, Clean Energy), Technical Assistance & Tools (FIDAP, CDFI Impact, MDI Support, Financial Empowerment TA, Operations & Compliance), and specialized programs like Inclusiv Business Forward and Build and Save Matched Savings Initiative. Inclusiv also manages investment funds including the Inclusiv Impact Deposits Fund and Southern Equity Fund. The organization serves all 50 states, U.S. Virgin Islands, Puerto Rico, and Guam.

Differentiator

Problem solved

Functional benefit

Brands

• Inclusiv Impact Deposits Fund: Fund placing social impact deposits in community development credit unions to expand economic opportunities in historically redlined and disadvantaged communities
• Inclusiv Southern Equity Fund
• Inclusiv/Mortgage
• Inclusiv Business Forward

Products and services

• Impact Capital

Quantifiable outcome

• $500 million+ invested directly into CDCUs
• +5 more outcomes

Named customers14 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Corporación Pública para la Supervisión y Seguro de Cooperativas de Puerto Rico (COSSEC)coreStrategic or Co-development Partner · 27 January 2026Collaborated with Inclusiv and FHLBNY to enable Puerto Rican cooperativas to join the Federal Home Loan Bank System. Signed MOU to implement FHFA guidelines for membership eligibility.
• Federal Home Loan Bank of New York (FHLBNY)coreStrategic or Co-development Partner · 27 January 2026Partnered with Inclusiv and COSSEC to enable Puerto Rican cooperativas to access FHLBNY membership, allowing them to apply for admission and access liquidity and federal tools supporting housing and community development.
• Member Business Financial Services (MBFS)coreStrategic or Co-development PartnerPartnered with Inclusiv to manage Business Forward's loan process. MBFS is a commercial lending service provider owned by credit unions.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Opportunity Finance Network (OFN): OFN is the largest national CDFI intermediary, serving as a direct peer to Inclusiv. Both organizations channel public and private capital to CDFIs, provide training and technical assistance, and advocate for community development finance policy—OFN across the broader CDFI industry, Inclusiv specifically within the credit union segment.
• Calvert Impact Capital: Calvert Impact Capital is a nonprofit impact investment intermediary that raises capital from institutional and individual investors and deploys it to CDFIs and mission-aligned organizations, paralleling Inclusiv's Impact Deposits Fund and Southern Equity Fund model. Both manage investment vehicles channeling capital to community development lenders.
• Reinvestment Fund: Reinvestment Fund is a CDFI that finances housing, schools, food access, and community health projects, with a capital deployment and impact measurement model highly analogous to Inclusiv's CDFU-focused intermediary work, including loan participation, secondary market, and impact investing programs.
• Nonprofit Finance Fund: Nonprofit Finance Fund is a CDFI and consulting organization providing capital, consulting, and advocacy to mission-driven organizations, comparable to Inclusiv in its combination of capital deployment, technical assistance, and policy advocacy for community development.

Broad incumbents

• LISC (Local Initiatives Support Corporation): LISC is one of the largest national CDFIs, deploying capital across community development projects including housing, small business, and health. It is a broad incumbent with overlapping mission to Inclusiv's community finance work but operates across the full CDFI spectrum rather than specializing in credit unions.
• Enterprise Community Partners: Enterprise Community Partners is a large national CDFI focused on affordable housing and community development, with impact investing and advocacy functions paralleling Inclusiv's intermediary role. Operates at a larger scale and broader scope than Inclusiv's credit-union-specific focus.
• Credit Union National Association (CUNA): CUNA is the main national trade association for credit unions, providing advocacy, training, and compliance services. Inclusiv is a more specialized credit union intermediary (community development-focused) compared to CUNA's broad industry representation, but both serve as membership-based support organizations for the credit union sector.
• National Association of Federal Credit Unions (NAFCU/America's Credit Unions): NAFCU (now America's Credit Unions) is a major credit union trade association focused on federal credit unions, offering advocacy and operational support. Comparable to Inclusiv in serving the credit union industry but at a broader industry-wide level rather than specializing in community development.

Others

• National Cooperative Bank (NCB): NCB is a cooperatively-owned bank providing banking services to cooperatives and other member-owned organizations, including cooperatives in Puerto Rico. Adjacent to Inclusiv's cooperativa-focused work but operates as a regulated depository rather than as an intermediary/intermediary nonprofit.

Emerging players

• Coastal Enterprises Inc (CEI): CEI is a Maine-based CDFI providing capital and technical assistance to small businesses and underserved communities, with a more regional focus. Comparable to Inclusiv in combining small business lending, impact investing, and capacity building, but at smaller geographic scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/inclusivcdcus
• LinkedInlinkedin.com/company/inclusiv
• Instagraminstagram.com/inclusiv_cdcus
• Xx.com/inclusivcdcus

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Inclusiv