Impact Capital
Impact Capital is a Seattle-based nonprofit CDFI providing flexible first-in financing — including pre-development, acquisition, construction, bridge, preservation, and tenant improvement loans — to affordable housing developers, housing authorities, and community organizations across Washington, Oregon, Idaho, Montana, and Alaska.
- Company typePrivate
- Founded2000
- HeadquartersSeattle, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Impact Capital does
Impact Capital is a Seattle-headquartered nonprofit 501(c)(3) Community Development Financial Institution (CDFI) providing flexible, first-in financing for affordable housing and community development projects across the Pacific Northwest. The organization originated in 1988 as Puget Sound LISC and was reconstituted in 2000 through a merger of three community development intermediaries, later expanding operations beyond Washington State to Oregon, Idaho, Montana, and Alaska in 2014. Impact Capital is certified by the U.S. Treasury CDFI Fund and is a member of the Opportunity Finance Network (OFN).
The company offers a coordinated suite of six loan products covering the full community development project lifecycle: Phase I Pre-Development loans (up to $150K, 0% interest, for nonprofit feasibility and pre-construction costs), Phase II Pre-Development loans (up to $2M), Acquisition loans, Bridge loans (up to 36 months, up to 100% LTV), Construction loans (up to 24 months, up to 100% LTV), Preservation loans (up to $3M), and Tenant Improvement loans (up to $1M). Most products offer interest-only payments and flexible recourse and collateral terms that conventional banks typically will not underwrite.
Revenue is generated primarily through net interest income on its loan portfolio, supplemented by origination activity and its role as a participation partner for peer CDFIs and bank/foundation funders. Capital is raised from banks (including Columbia Bank, Key Bank, and U.S. Bank Community Development Corporation), foundations, and federal CDFI sources. The institution operates with a small team of 1-10 employees and a single headquarters location in Seattle, leveraging 25+ years of regional relationships to deliver high-touch loan origination, technical assistance, and stewardship to nonprofit developers, housing authorities, tribal entities, and faith-based organizations. Cumulative reported impact exceeds $800M invested, leveraging $7.8B+ in broader community development activity.
Impact Capital firmographics
Firmographics- Name
- Impact Capital
- Legal name
- Impact Capital
- Website
- https://impactcapital.org
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Impact Capital is a Seattle-based nonprofit CDFI providing flexible first-in financing — including pre-development, acquisition, construction, bridge, preservation, and tenant improvement loans — to affordable housing developers, housing authorities, and community organizations across Washington, Oregon, Idaho, Montana, and Alaska.
- Ownership category
- akta.pro rank
Impact Capital industry classification
Industry- Product category
- Community Development Lending
- NAICS
- Grantmaking and Giving Services (81321)
- SIC
- Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- Impact Investing & Social Finance (Funds, CDFIs, Microfinance) (BPAGALAA)
- akta.pro secondary industries
- Impact Investing (Intentional, Measurable Social/Environmental Outcomes) (FSAAALAC), Community Development & Neighborhood Revitalization (CDBG, Place-Based Initiatives) (BPAIANAE)
Keywords
Where Impact Capital is headquartered
LocationHeadquarters
- HQ city
- Seattle
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Impact Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Others, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Loan Portfolio: Impact Capital generates revenue through interest income on its loan portfolio, which includes acquisition loans, bridge loans, construction loans, pre-development loans, preservation loans, and tenant improvement loans. As a nonprofit CDFI, they raise capital from banks and foundations to provide flexible loans, and generate returns through loan interest.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Phase I Pre-Development Loans - Up to $150,000 at 0% interest |
| Other | Pay-as-you-go | Phase II Pre-Development Loans - Up to $2 million |
| Other | Multi-year contract | Bridge Loans - Maximum 100% LTV, up to 36 months |
| Other | Multi-year contract | Construction Loans - Maximum 100% LTV, up to 24 months |
| Other | Multi-year contract | Preservation Loans - Up to $3 million, maximum 100% LTV |
| Other | Multi-year contract | Tenant Improvement Loans - Up to $1 million |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
Impact Capital product offering
Product offeringCore offering
Impact Capital is a nonprofit Community Development Financial Institution (CDFI) that provides flexible, first-in financing for affordable housing and community development projects. It originates a suite of loan products — pre-development, acquisition, construction, bridge, preservation, and tenant improvement loans — to nonprofits, developers, housing authorities, and tribal/religious entities across Washington, Oregon, Idaho, Montana, and Alaska.
Product overview
Impact Capital is a Community Development Financial Institution (CDFI) offering a portfolio of six loan products for affordable housing and community development. The products work together to serve projects from early feasibility through construction and preservation: Pre-Development Loans (Phase I and II) provide early-stage capital for planning and site assessments; Acquisition Loans fund land and property purchases; Construction Loans cover building costs; Bridge Loans offer short-term financing while securing permanent funding; Preservation Loans maintain existing affordable housing; and Tenant Improvement Loans fund commercial space upgrades. This coordinated loan suite enables developers and nonprofits to move projects from concept through completion across Washington, Oregon, Idaho, Montana, and Alaska.
Differentiator
Problem solved
Functional benefit
Products and services
- Acquisition Loans
Quantifiable outcome
- $800+ million invested, $7.8 billion+ leveraged in development
Companies that use Impact Capital
Customer profileSegments5 records
Ideal customer profiles3 records
Impact Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Impact Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- OFN (Opportunity Finance Network)coreImpact Capital is a member of OFN, the leading network of community development financial institutions. Membership provides access to resources, best practices, and network connections.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Impact Capital competitors and assessment
Company assessmentDirect peers
- Craft3: Craft3 is a Pacific Northwest–focused CDFI (Oregon, Washington, California) providing flexible loans and business assistance to nonprofits, tribes, and mission-driven developers. Most directly comparable peer given overlapping geography, similar borrower segments, and analogous loan products.
- Clearinghouse CDFI: Clearinghouse CDFI is a federally certified CDFI providing loans for affordable housing, community facilities, and economic development, primarily in underserved markets. Comparable in loan product suite and CDFI structure.
- Reinvestment Fund: Reinvestment Fund is a national CDFI focused on housing, education, health, and community development lending, including financing for community facilities and affordable housing preservation. Direct peer in product mix and mission-driven structure.
- Low Income Investment Fund (LIIF): LIIF is a national CDFI providing flexible capital to nonprofits serving low-income communities, with emphasis on early-stage and bridge financing. Direct peer in flexible, first-in capital deployment and community facility lending.
- Capital Impact Partners: Capital Impact Partners is a national CDFI providing flexible loans, New Markets Tax Credits, and capacity-building for community development projects nationwide. Direct peer in mission, loan product structure, and target borrower segments.
- Local Initiatives Support Corporation (LISC): LISC is one of the largest national CDFIs providing loans, grants, and capacity-building for affordable housing and community development. Impact Capital originated as Puget Sound LISC, making LISC the institutional parent analog and the most operationally comparable national CDFI.
Broad incumbents
- Enterprise Community Partners: Enterprise is one of the largest national community development organizations, offering loans, tax credit syndication, and policy advocacy for affordable housing. Comparable as a broader incumbent in the same ecosystem, though significantly larger and more diversified.
Regional players
- Coastal Enterprises Inc (CEI): CEI is a Maine-based CDFI providing financing and business assistance to underserved communities, with a focus on rural and economically distressed areas. Comparable as a regional CDFI serving a defined geographic territory with similar product offerings.
- Beneficial State Bank: Beneficial State Bank is a Pacific Northwest and California-based community development bank (formerly One PacificCoast Bank) focused on mission-driven lending, including affordable housing and community facilities. Comparable as a regional, mission-aligned lender in overlapping geographies.
Others
- Opportunity Finance Network (OFN): OFN is the national membership association of CDFIs, of which Impact Capital is a member. Comparable as an ecosystem/industry organization providing capital, training, and policy advocacy for the same CDFI category in which Impact Capital operates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Impact Capital social profiles
Digital presenceImpact Capital compliance and trust
Trust signalCompliance1 record
Impact Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Impact Capital leadership team
Management profileNumber of profiles
Profiles4 records
Impact Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Impact Capital 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 Impact Capital
What does Impact Capital do?
Impact Capital is a nonprofit Community Development Financial Institution (CDFI) that provides flexible, first-in financing for affordable housing and community development projects. It originates a suite of loan products — pre-development, acquisition, construction, bridge, preservation, and tenant improvement loans — to nonprofits, developers, housing authorities, and tribal/religious entities across Washington, Oregon, Idaho, Montana, and Alaska.
Is Impact Capital a public or private company?
Impact Capital is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Impact Capital founded?
Impact Capital was founded in 2000. It employs 1 to 10 people.
Where is Impact Capital based?
Impact Capital is headquartered in Seattle, United States, in the North America region.
How does Impact Capital make money?
One revenue line is on record: interest Income from Loan Portfolio.
Who are Impact Capital's main competitors?
Direct peers on record are Craft3, Clearinghouse CDFI, Reinvestment Fund, Low Income Investment Fund (LIIF), Capital Impact Partners and Local Initiatives Support Corporation (LISC). Enterprise Community Partners is listed as a broad incumbent. Regional players are Coastal Enterprises Inc (CEI) and Beneficial State Bank. Opportunity Finance Network (OFN) is listed as an others.
Does Impact Capital have an API?
No public API is recorded for Impact Capital.
What industry is Impact Capital in?
Impact Capital's product category is Community Development Lending. Its primary akta.pro industry code is BPAGALAA, Impact Investing & Social Finance (Funds, CDFIs, Microfinance), with a secondary code of FSAAALAC, Impact Investing (Intentional, Measurable Social/Environmental Outcomes). Its NAICS code is 81321 and its SIC code is 6111.