Momentus Capital
Momentus Capital is a nonprofit CDFI holding company operating Capital Impact Partners, CDC Small Business Finance (the nation's #1 SBA Community Advantage lender), and Momentus Securities to provide SBA loans, community development financing, impact investments, and investment-banking services to underserved small businesses, nonprofits, and community developers across eight US states.
- Company typePrivate
- Founded2022
- HeadquartersWashington, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Momentus Capital does
Momentus Capital is a 501(c)(3) nonprofit holding company formed in July 2022 through the merger of Capital Impact Partners (founded 1982), CDC Small Business Finance (operating 40+ years), and Ventures Lending Technologies. The organization delivers a continuum of financial, knowledge, and social capital to underserved small businesses, nonprofits, real-estate developers, and community-based enterprises through three operating subsidiaries: Capital Impact Partners (a CDFI focused on community development lending and impact investments including mezzanine debt and preferred equity), CDC Small Business Finance (an SBA 504/7(a) lender and the nation's #1 SBA Community Advantage lender), and Momentus Securities (an SEC-registered broker-dealer, MSRB-registered, FINRA/SIPC member providing investment-banking and capital-markets services to mission-driven issuers).
The product set includes SBA 504 and 7(a) loans, community development loans, structured impact investments, business advising and capacity-building programs (including the Equitable Development Initiative, Co-op Innovation Awards, and Nourish DC Collaborative), Capital Impact Investment Notes (a direct funding instrument), and investment-banking services via Momentus Securities. The technology layer combines legacy origination systems with an in-progress Lenders Cooperative / Ventures Lending Technologies merger intended to build an integrated small-business lending platform. The firm holds A+ credit ratings from both S&P and Fitch.
The business model is multi-channel. On the asset side, revenue is generated primarily through net interest income on a roughly $3.2B managed portfolio (approximately $2.3B small business and $930M real estate), supplemented by loan-origination and servicing transaction fees. On the capital-markets side, Momentus Securities earns advisory and underwriting fees from structuring transactions such as the $122.75M A+-rated bond offering completed in 2025. Capital is sourced from a mix of bank deposits, government allocations (notably the $85M 2025 NMTC Award), bond market issuances, and the Capital Impact Investment Notes ($135M issued in FY2025), with significant philanthropic and government funder relationships including JPMorgan Chase, the Ford Foundation, and the CDFI Fund. The organization operates eight regional offices across California, Arizona, Georgia, Michigan, Nevada, New York, Texas, and Washington DC, and reports cumulative impact metrics of $24B in financing delivered, 14,350 small businesses served, 298,000 jobs created or preserved, and 6 million people served.
Momentus Capital firmographics
Firmographics- Name
- Momentus Capital
- Legal name
- Momentus Capital
- Website
- https://momentuscap.org
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Momentus Capital is a nonprofit CDFI holding company operating Capital Impact Partners, CDC Small Business Finance (the nation's #1 SBA Community Advantage lender), and Momentus Securities to provide SBA loans, community development financing, impact investments, and investment-banking services to underserved small businesses, nonprofits, and community developers across eight US states.
- Ownership category
- akta.pro rank
Momentus Capital industry classification
Industry- Product category
- Community Development Finance
- NAICS
- Depository Credit Intermediation (5221), Credit Unions (52213), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Trusts, Estates, and Agency Accounts (52592), Finance and Insurance (52)
- SIC
- Short-Term Business Credit Institutions (6153), Federal & Federally-Sponsored Credit Agencies (6111), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Impact Investing & Social Finance (Funds, CDFIs, Microfinance) (BPAGALAA)
- akta.pro secondary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Momentus Capital is headquartered
LocationHeadquarters
- HQ city
- Washington
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
Momentus Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Origination and Servicing: Revenue generated from originating and servicing loans including SBA 504 loans, SBA 7(a) loans, commercial real estate loans, community development loans, and small business loans. Interest income on loan portfolio and origination fees.
- Investment Banking Services: Momentus Securities provides investment banking services including advisory services, capital markets services, SBA loan trading services, and municipal advisory services. Revenue generated from transaction fees and advisory fees.
- Impact Investments: Investments in growth-stage enterprises and small businesses with community focus through mezzanine debt and preferred equity instruments, generating returns while creating social impact.
- Capital Impact Investment Notes: Individuals and organizations invest in Capital Impact Investment Notes to support community development efforts. Total amount invested in FY 2025 was $135,066,000 with $699,348,000 invested since inception.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Small Business Loans |
| Transaction based/ take rate | Pay-as-you-go | Commercial Real Estate Lending |
| Transaction based/ take rate | Pay-as-you-go | Community Development Lending |
| Other | Annual | Business Advising |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Momentus Capital product offering
Product offeringCore offering
Momentus Capital is a nonprofit branded family of organizations that delivers a continuum of financial, knowledge, and social capital to underserved entrepreneurs, community-based real estate developers, and small businesses. Through its subsidiaries Capital Impact Partners (CDFI) and CDC Small Business Finance, it originates SBA 504, SBA 7(a), Community Advantage, and commercial real estate loans, along with impact investments (mezzanine debt and preferred equity). Momentus Securities provides investment banking, capital markets, SBA loan trading, and municipal advisory services, and the organization bundles these offerings with free business advising and capacity-building programs.
Product overview
Momentus Capital is a branded family of organizations comprising Capital Impact Partners, CDC Small Business Finance, and Momentus Securities that provides a unified continuum of financial, knowledge, and social capital to entrepreneurs and community-based organizations at every growth stage. The family offers small business lending (including SBA 504 and SBA 7(a) loans), commercial real estate lending, community development real estate and working capital loans, impact investments, business advising, capacity building programs, and investment banking services. The core products include CDC Small Business Finance's SBA lending offerings, Capital Impact Partners' community development financing and capacity building programs, and Momentus Securities' investment banking capabilities, all working together to provide a seamless continuum from inception through expansion.
Differentiator
Problem solved
Functional benefit
Products and services
- Small Business Lending SBA 504, SBA 7(a), and SBA Community Advantage loans provided to small business owners for working capital, equipment, inventory, business acquisition, and debt refinancing, with complimentary business counseling.
- Commercial Real Estate Lending Long-term SBA loans with low down payments and competitive rates for small businesses for commercial real estate and large equipment financing, plus SBA-alternative options for borrowers who don't meet traditional lending criteria.
- Community Development & Facility Lending Flexible and affordable financing for community pillars including health centers, education facilities, food retailers, affordable housing, and cooperatives, with options for emerging real estate developers.
- Impact Investing Investments in growth-stage enterprises and small businesses with community focus through mezzanine debt and preferred equity instruments, with goals of increasing healthcare access, reducing food insecurity, and creating jobs and generational wealth.
- Business Advising Free small business advisors providing support on credit repair, financial reporting, business strategy, and more to loan applicants and current borrowers pre- and post-loans.
- Capacity Building Programs Programs including Economic Development Initiative (EDI), Co-op Innovation Award, and Nourish DC Collaborative that deliver education, training, mentor networks, and pathways to grant capital and financing for entrepreneurs and real estate developers.
- Investment Banking Services Investment banking, advisory, capital markets, SBA loan trading, and municipal advisory services delivered by Momentus Securities to drive institutional capital to small businesses and nonprofits.
- Capital Impact Investment Notes Investment Notes issued by Capital Impact Partners (rated A+ by S&P Global) that allow individuals and organizations to invest in community development lending efforts.
Quantifiable outcome
- $24 billion in financing delivered across history
- +8 more outcomes
Companies that use Momentus Capital
Customer profileNamed customers13 records
Segments6 records
Ideal customer profiles5 records
Momentus Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Momentus Capital partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- National Cooperative BankcoreLongstanding partner in Co-op Innovation Awards program. Casey P. Fannon, President & CEO of National Cooperative Bank, serves on Momentus Capital's Board of Directors. Co-sponsors the annual Co-op Innovation Awards.
- AmazoncorePartner in Amazon Housing Accelerator Fellowship program supporting D.C.-area real estate developers. Jointly funding capacity building and catalytic project grants for emerging developers.
- MastercardcorePartner through Mastercard Strive USA initiative. Hosted roundtable discussions featuring Momentus Securities' leadership on unlocking investment for community lending. Featured in Impact Alpha op-ed on data and storytelling for community lenders.
- CoBankminor2025 sponsor of Co-op Innovation Awards program, supporting cooperative development across the U.S.
- Lenders CooperativecoreAnnounced merger with Ventures Lending Technologies to create end-to-end lending and servicing platform for financial institutions.
- Mission Lenders Working GroupcorePartnership with small business advocates for policy development and educational engagement with Members of Congress to bring greater awareness to key small business programs.
- National Association of Development Companies (NADCO)corePartnership for policy development and advocacy to support SBA lending programs and community development.
- Mesirow FinancialcoreWorked alongside Momentus Securities to structure one of the largest CDFI bond offerings ever - $122.75 million with A+ rating from S&P Global.
- Los Angeles Urban LeaguecorePartner providing instructional sessions on accessing capital coupled with 1:1 advisory services to support small businesses in preparing for SBA lending.
- Invest AtlantacoreEconomic development partner in Atlanta region supporting $50 million multi-year investment initiative for small businesses, development firms, and community development organizations.
- Invest DetroitcoreEconomic development partner supporting Detroit EDI program and community development initiatives in Michigan.
Scale indicators24 records
Recent moves7 records
Expansion highlights6 records
Momentus Capital competitors and assessment
Company assessmentDirect peers
- Calvert Impact Capital: Calvert Impact Capital is a nonprofit CDFI that raises capital through community investment notes and deploys it into community development and impact investments domestically and globally. Directly comparable to Momentus Capital's Capital Impact Partners subsidiary, with overlapping note programs, impact investment portfolios, and CDFI bond issuances.
- Opportunity Finance Network (CDFI Consortium): Opportunity Finance Network is the national membership/advocacy body for CDFIs, representing hundreds of community development lenders with combined assets of $40B+. Comparable as the peer ecosystem framing Momentus Capital's positioning among mission-based lenders.
- Accion Opportunity Fund: Accion Opportunity Fund is a nationwide nonprofit CDFI providing small business loans, SBA 7(a) Community Advantage loans, and business advising to underserved entrepreneurs. Directly competes with CDC Small Business Finance in the SBA Community Advantage space and shares Momentus's small business advising model.
- Coastal Enterprises Inc. (CEI): CEI is a Maine-based nonprofit CDFI providing small business loans, community development financing, and consulting to underserved communities. Directly comparable in mission, structure, and product mix to Capital Impact Partners' community development lending and impact investing.
- Self-Help Credit Union: Self-Help Credit Union is a CDFI-certified credit union providing small business loans, SBA loans, mortgages, and community development financing to underserved markets. Comparable to CDC Small Business Finance in SBA lending scale and to Capital Impact Partners in community development focus.
Broad incumbents
- Live Oak Bank: Live Oak Bank is a top SBA 7(a) lender nationally and a publicly-traded fintech-leaning bank specializing in small business lending verticals. Comparable to CDC Small Business Finance as an SBA lender but operates as a for-profit bank with broader national footprint and digitized origination.
- JPMorgan Chase (Small Business & SBA): JPMorgan Chase is a major SBA lender, CDFI investor, and community development partner with substantial small business lending operations. Comparable to CDC Small Business Finance's SBA lending franchise but at vastly greater scale; also a strategic partner and board representative at Momentus.
Emerging players
- Kiva U.S. Kiva is a nonprofit crowdfunded microfinance platform providing 0% interest loans to small business owners. Comparable to Momentus Capital's small business lending mission but uses crowd-funded capital and digital delivery rather than balance-sheet CDFI lending.
- Pacific Community Ventures: Pacific Community Ventures is a California-based nonprofit CDFI providing small business loans, advising, and impact investment in underserved communities. Comparable to Capital Impact Partners' geographic focus on community development and small business advising model.
Others
- Mesirow Financial: Mesirow Financial is a diversified financial services firm whose investment banking division co-structured the $122.75M CDFI bond offering with Momentus Securities. Comparable as a capital markets partner/infrastructure provider to Momentus Securities' investment banking operations.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks4 records
Key highlights6 records
Customer concentration
Momentus Capital social profiles
Digital presenceMomentus Capital compliance and trust
Trust signalCompliance9 records
Momentus Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Momentus Capital leadership team
Management profileNumber of profiles
Profiles9 records
Momentus Capital subsidiaries and ownership
Company hierarchySubsidiaries4 records
Momentus Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Momentus Capital M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Momentus Capital
What does Momentus Capital do?
Momentus Capital is a nonprofit branded family of organizations that delivers a continuum of financial, knowledge, and social capital to underserved entrepreneurs, community-based real estate developers, and small businesses. Through its subsidiaries Capital Impact Partners (CDFI) and CDC Small Business Finance, it originates SBA 504, SBA 7(a), Community Advantage, and commercial real estate loans, along with impact investments (mezzanine debt and preferred equity). Momentus Securities provides investment banking, capital markets, SBA loan trading, and municipal advisory services, and the organization bundles these offerings with free business advising and capacity-building programs.
Is Momentus Capital a public or private company?
Momentus Capital is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Momentus Capital founded?
Momentus Capital was founded in 2022. It employs 251 to 500 people.
Where is Momentus Capital based?
Momentus Capital is headquartered in Washington, United States, in the North America region.
How does Momentus Capital make money?
Four revenue lines are on record. Loan Origination and Servicing is the primary driver. The others are investment Banking Services, impact Investments and capital Impact Investment Notes.
Who are Momentus Capital's main competitors?
Direct peers on record are Calvert Impact Capital, Opportunity Finance Network (CDFI Consortium), Accion Opportunity Fund, Coastal Enterprises Inc. (CEI) and Self-Help Credit Union. Broad incumbents are Live Oak Bank and JPMorgan Chase (Small Business & SBA). Emerging players are Kiva U.S. and Pacific Community Ventures. Mesirow Financial is listed as an others.
Does Momentus Capital have an API?
No public API is recorded for Momentus Capital.
What industry is Momentus Capital in?
Momentus Capital's product category is Community Development Finance. Its primary akta.pro industry code is BPAGALAA, Impact Investing & Social Finance (Funds, CDFIs, Microfinance), with a secondary code of FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 5221 and its SIC code is 6153.