Why Investors Choose Clearinghouse CDFI
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A Leading CRA Investment PlatformFor 30 years, Clearinghouse CDFI has served as a trusted CRA investment partner for financial institutions nationwide, pairing consistent performance with real-world community impact. -
Backed by Financial Institutions NationwideClearinghouse CDFI is owned by more than 60 financial institutions and supported by a broad group of investors who have chosen to partner with the organization over time to advance its national lending work.
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Consistent Financial PerformanceClearinghouse CDFI has been profitable for 26 consecutive years, supported by disciplined underwriting and a steady, long-term approach to managing its portfolio, with over $144 million in total equity and an A- (Stable) credit rating from Standard & Poor’s.
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National Scale with Multiple Ways to InvestClearinghouse CDFI offers investors several ways to engage, including Opportunity Zones, Class A Common Stock, ‘B’ BOLD(ER)®, bank turn-down partnerships, and the New Markets Tax Credit program, in which Clearinghouse CDFI has participated since the inaugural application round in 2002.
By the Numbers
Where Capital Performance Meets Community Outcomes
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$2.8 Billionin Cumulative Lending
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2,770Total Projects Funded Nationwide
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5.2 MillionTotal Individuals Assisted
Our Investors
financial trends
Track Record & Financial Performance
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$2.8 Billionin Cumulative Lending Since Inception
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26 Consecutive Yearsof Profitability
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$127 Millionin Financing During 2025
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45,000+Jobs Created or Retained Since Inception
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2,770Projects Since Inception
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13,997Units of Affordable Housing Created
Why They Choose Clearinghouse CDFII am continually impressed by Clearinghouse CDFI’s leadership in driving meaningful impact…
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Why They Choose Clearinghouse CDFIIt has been rewarding to watch Clearinghouse CDFI leaders and experts help educate our community…
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Why They Choose Clearinghouse CDFIThe mission of Clearinghouse CDFI is a passion of mine, and its community impact is real…
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Why They Choose Clearinghouse CDFIClearinghouse CDFI has helped so many businesses in low-income communities achieve their lifetime goals…
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A message from our founder, president, & CEO
Dear Shareholders and Friends,
“Managing a national CDFI requires perseverance and consistency. Our responsibility extends beyond simply deploying capital. We must ensure Clearinghouse CDFI remains financially sound, impactful in the community, and positioned for continual growth.
In 2025, we remained deliberate in our lending and portfolio management, with disciplined underwriting and responsible balance sheet stewardship guiding our decisions. Our leadership team’s depth of experience continues to shape how we manage risk and deploy capital with care.”
In 2025, we remained deliberate in our lending and portfolio management, with disciplined underwriting and responsible balance sheet stewardship guiding our decisions. Our leadership team’s depth of experience continues to shape how we manage risk and deploy capital with care.”
— Douglas J. Bystry, Founder, President, & CEO
investment approach
How Investors Workwith Clearinghouse CDFI
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Customized Credit FacilitiesInvestment relationships with Clearinghouse CDFI are typically structured through customized credit facilities, tailored to investor priorities, timing, and regulatory context.
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Capital Strength Supporting Long-Term LendingClearinghouse CDFI’s capital base supports long-term lending activity and enables the organization to deploy capital consistently in service of its mission.
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CRA-Aligned Investment RelationshipsClearinghouse CDFI works with banks to structure investments that may align with Community Reinvestment Act objectives, informed by regulatory guidance and institutional priorities, with attention to community needs.
InvestorFAQ
Who typically invests in Clearinghouse CDFI?
Clearinghouse CDFI works with a range of institutional investors, including banks and foundations, as well as other organizations aligned with long-term community investment. Investors engage for different reasons, including regulatory considerations, portfolio fit, and alignment with Clearinghouse CDFI’s lending activities.
How does investing in Clearinghouse CDFI generally work?
Investing in Clearinghouse CDFI is designed to be straightforward and relationship-driven. It typically begins with an initial conversation to understand an investor’s interests and assess general alignment. From there, the investment team shares information about Clearinghouse CDFI’s investment structure and reporting practices, allowing investors to evaluate fit at their own pace. As discussions continue, terms and documentation are reviewed based on investor needs and internal requirements, with ongoing reporting and engagement throughout the life of the investment.
How do Clearinghouse CDFI investments fit within institutional portfolios?
Clearinghouse CDFI investments are generally considered as part of an institution’s broader investment strategy. Investors often view these investments as complementary to other holdings, especially when they are seeking stable, long-term capital deployment with community benefit. How an investment fits within a specific portfolio depends on the investor’s objectives and internal guidelines.
What types of reporting do investors receive?
Investors receive regular reporting that provides insight into financial performance and portfolio-level community outcomes. Reporting formats and frequency may vary based on investment structure and investor needs.
How does Clearinghouse CDFI approach risk and capital stewardship?
Clearinghouse CDFI takes a long-term view of risk and capital stewardship. The organization focuses on careful underwriting and ongoing attention to its portfolio, with the aim of protecting investor capital while supporting responsible lending activity. This approach reflects a balance between financial discipline and the practical realities of lending in diverse communities.
How do community outcomes factor into Clearinghouse CDFI’s investment model?
Community outcomes are considered alongside financial performance across Clearinghouse CDFI’s lending and investment activities. These outcomes reflect how capital supports access to services and economic activity in the communities Clearinghouse CDFI serves.