NALCAB

What NALCAB does

NALCAB (National Association for Latino Community Asset Builders) is a 501(c)(3) nonprofit organization founded in 2002 and headquartered in San Antonio, Texas, with additional presence in Washington, DC. It is the only national CDFI intermediary focused exclusively on Latino community asset building, operating a membership-based network of more than 200 CDFIs, credit unions, economic development nonprofits, and housing developers across all 50 states, DC, and Puerto Rico. The organization is led by President and CEO Marla Bilonick, with 11–50 employees, and pursues four programmatic pillars: Capital, Capacity, Collective Voice, and Community.

NALCAB's portfolio spans seven integrated program lines: Lending & Impact Investing (capitalization loans, loan guarantees, the Acceso Fund participation program, and the Small Business Loan Guarantees program with up to 50% guarantees); Neighborhood Development (technical assistance, GIS mapping, rural capacity building, HUD Community Compass grantee support); Policy Advocacy (federal and state engagement, rulemaking feedback); Training & Leadership Development (the 2010-vintage Pete Garcia Fellowship and the LEAD Fellowship developed with George Washington University's Cisneros Hispanic Leadership Institute); Small Business Development; Financial Capability (including a FinTech integration initiative with Change Machine and Capital One); and Advisory Services via the Solutions Lab, plus the NALCE sub-brand and its CDFI Certification Program launched in 2022 with Citi Foundation support. Outputs in 2024 included $2,228,500 in grants to 84 community organizations, 1,052 professionals trained, and cumulative lending surpassing $50 million since 2015.

The revenue model is a nonprofit intermediary stack: grants and program-related investments from corporate and foundation funders (Truist, Citi, Wells Fargo, Surdna, TD Bank, Capital One, PNC, Kaiser Permanente, Robert Wood Johnson Foundation, CDFI Fund); membership dues from the 200+ member network; and program administration and management fees for initiatives such as the TD Ready Challenge and LEAD Fellowship. Go-to-market is community-led, driven by regional Cafecito convenings, the annual national conference, direct engagement with CDFIs and housing developers, and a digital presence across website, email newsletters, and social channels. Customer concentration is high in funder reliance, while end-impact distribution is highly diversified through the member network.

Name

NALCAB

Legal name

National Association for Latino Community Asset Builders

Website

https://nalcab.org

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

NALCAB is a San Antonio-based 501(c)(3) nonprofit CDFI intermediary operating a national network of 200+ Latino-focused member organizations across all 50 states, DC, and Puerto Rico, providing lending, capacity building, policy advocacy, training, and small business and housing development services.

Ownership category

akta.pro rank

Product category

Community Development Finance (CDFI Intermediary Services)

NAICS

Other Services (except Public Administration) (81), Educational Support Services (61171), Administration of Urban Planning and Community and Rural Development (925120)

SIC

Services-Membership Organizations (8600), Services-Management Consulting Services (8742)

akta.pro industry

PRIMARYFSABAEAC

Community Development Credit Unions (CDCUs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Community development finance
• CDFI intermediary services
• Affordable housing financing
• Nonprofit capacity building
• Small business lending programs

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others, Infrastructure

Revenue model

1. Grant Funding and Program Support: Revenue is generated through grants and program-related investments from foundation and corporate partners (such as Truist Foundation, Citi Foundation, Wells Fargo Foundation, Surdna Foundation). These funds support NALCAB's operating costs and allow the organization to deploy capital to member organizations and community programs.
2. Membership Dues: NALCAB generates revenue through membership fees from its network of CDFIs and community development organizations. Members pay dues to access capacity building services, training programs, peer networking, and collective advocacy initiatives.
3. Program Administration and Management Fees: The organization earns fees for managing and administering programs on behalf of funders, including the TD Ready Challenge, LEAD Fellowship, and other workforce and housing initiatives. These program management fees support operational costs.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

NALCAB is a national CDFI intermediary that strengthens the capacity of 200+ Latino-serving CDFIs and economic development nonprofits through capital deployment (loans, loan guarantees, loan participation), technical assistance and training, federal and state policy advocacy, and program administration on behalf of foundation and corporate funders. It packages these capabilities into named programs such as Lending & Impact Investing, Neighborhood Development, Policy Advocacy, Training & Leadership Development, Small Business Development, Financial Capability, and the Solutions Lab Advisory Services.

Product overview

NALCAB is a one-of-a-kind CDFI intermediary offering a portfolio of interconnected programs and services. The core offerings include Lending & Impact Investing (providing flexible loan products, loan guarantees, and the Acceso Fund loan participation program), Neighborhood Development (technical assistance and GIS mapping), Policy Advocacy, Training & Leadership Development (including the Pete Garcia Fellowship and LEAD Fellowship), Small Business Development, Financial Capability (with FinTech integration support), and Advisory Services through the Solutions Lab. Supporting initiatives include NALCE (National Alliance of Latino CDFI Executives) with its CDFI Certification Program, the Small Business Loan Guarantees program, and the Maker-to-Market Accelerator. The organization also hosts the annual National Conference as a premier industry event. The network serves all 50 states, DC, and Puerto Rico through 200+ member CDFI and economic development nonprofit organizations.

Differentiator

Problem solved

Functional benefit

Products and services

• Lending & Impact Investing NALCAB's flagship CDFI lending program offering flexible loan products (capitalization loans, loan guarantees, commercial real estate loans, rural capacity building loans) to nonprofit member organizations engaged in small business lending, affordable housing, and community facility development.
• Neighborhood Development Program providing technical assistance to nonprofits and local governments on affordable housing and economic development issues, including neighborhood change analysis, GIS mapping services, rural capacity building, and HUD grantee support through the Community Compass program.
• Policy Advocacy Public policy engagement initiative that informs policy with data and research, provides feedback on federal rulemaking, monitors legislation, and equips members with advocacy tools, with focus on strengthening small businesses, addressing the housing crisis, advancing self-reliant communities, and supporting a prosperous financial marketplace.
• Training & Leadership Development Programs providing leadership development experiences, tailored training, and peer-to-peer learning, including the Pete Garcia Community Economic Development Fellowship (11-month fellowship for emerging leaders, established in 2010) and the LEAD Fellowship for executive leaders developed with George Washington University's Cisneros Hispanic Leadership Institute.
• Small Business Development Program supporting a national network of nonprofit organizations providing small business development services through grantmaking, technical assistance, and access to capital to reduce barriers to entrepreneurship and strengthen local economies.
• Financial Capability Program providing technical assistance, capacity-building grants, and professional development supporting nonprofit financial capability programs, including the FinTech for Financial Empowerment initiative in partnership with Change Machine and Capital One, helping organizations integrate financial technology into programming.
• Advisory Services (Solutions Lab) Specialized advisory services to municipalities, housing authorities, states, rural communities, and nonprofit organizations, leveraging over 15 years of experience managing and advising on over $450 million in federal and philanthropic investments; services include neighborhood analysis, housing planning, economic development, disaster recovery, and organizational assessments.
• NALCE (National Alliance of Latino CDFI Executives) National collective of member organizations committed to increasing access to capital and elevating Latino leadership in the financial sector; includes the CDFI Certification Program helping emerging nonprofit loan funds secure CDFI certification with technical assistance, training, grantmaking, and peer learning.
• Acceso Fund Loan participation program that helps NALCAB members increase business loans, improve loan economics and profitability, and expand relationships with existing and prospective customers.
• Small Business Loan Guarantees (SBLG) Program that helps nonprofit lenders serve small business borrowers who fall outside traditional lending criteria, with guarantees covering up to 50% of loan principal—up to $10,000 for small business loans and $75,000 for real estate-secured loans; launched with support from Kaiser Permanente and the Wells Fargo Open for Business Fund.
• CDFI Certification Program Technical assistance, grantmaking, training, and networking program supporting Latino-led nonprofit loan funds in securing CDFI certification from the U.S. Department of the Treasury's CDFI Fund.
• Maker-to-Market Accelerator (M2M) 18-month national initiative to strengthen nonprofit organizations serving small-scale manufacturers, helping manufacturing businesses scale operations, grow assets, and access new distribution channels.

Quantifiable outcome

• $50 million+ in loans deployed to Latino communities since 2015
• +4 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered supporting and regional.

• Change MachinesupportingTechnology or Integration · 1 January 2023
• Arizona CDFI NetworkregionalStrategic or Co-development Partner · 1 January 2023
• Growth Partners ArizonaregionalStrategic or Co-development Partner · 1 January 2023

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Opportunity Finance Network (OFN): National trade association for CDFIs. OFN is the broadest CDFI intermediary and shares NALCAB's core function — providing capital, capacity building, and policy advocacy to a member network of community development lenders, though OFN serves a broader demographic scope than NALCAB's Latino focus.
• Local Initiatives Support Corporation (LISC): One of the largest CDFI intermediaries in the US, deploying capital to community development organizations and providing technical assistance, policy advocacy, and capacity-building services — directly mirroring NALCAB's operating model, although with broader geographic and demographic targets.
• Enterprise Community Partners: National nonprofit that combines capital deployment, housing development financing, and policy advocacy with technical assistance to community organizations. Directly comparable to NALCAB's lending, housing, and neighborhood development programs, but with a wider demographic scope.
• Inclusiv: National CDFI intermediary serving the credit union industry by helping credit unions serve low-income communities. Inclusiv's member-network model, capacity building, and capital deployment structure are architecturally identical to NALCAB's, though member institutions differ (credit unions vs. CDFIs/nonprofits).
• Prosperity Now: National nonprofit focused on economic opportunity, financial capability, and asset building for low-income households. Comparable to NALCAB's financial capability, asset-building, and policy functions, with similar reliance on foundation funding and policy advocacy.
• National Coalition for Asian Pacific American Community Development (National CAPACD): National intermediary supporting AAPI-serving community development organizations with capacity building, capital, and policy advocacy. Operationally analogous to NALCAB but with a different demographic focus — a direct ethnic-focused intermediary peer.

Broad incumbents

• UnidosUS (formerly National Council of La Raza): Large Latino-focused national nonprofit with overlapping policy advocacy, economic empowerment, and capacity-building missions. Though broader in scope than NALCAB and not a CDFI intermediary, it competes for the same Latino-serving funder dollars and policy influence.
• Council of Development Finance Agencies (CDFA): National association serving development finance agencies (state and local DFIs). Operates in an adjacent community development finance niche with policy advocacy, training, and convening functions paralleling some of NALCAB's programs, though public-sector-focused.
• National Urban League: Large national civil rights and economic empowerment organization with policy advocacy, workforce development, and small business support. Operates overlapping missions (economic mobility for underserved communities) but is broader than NALCAB's CDFI-intermediary specialization.

Regional players

• Fahe: Regional CDFI intermediary network serving Appalachian communities through member lending, housing, and capacity-building programs. Architecturally similar to NALCAB but geographically concentrated in Appalachia rather than nationally Latino-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NALCAB
• LinkedInlinkedin.com/company/nalcabsa
• Instagraminstagram.com/nalcabsa
• Xx.com/nalcab

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors3 records

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

M&A

Investments

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

Frequently asked questions about NALCAB