Clearinghouse CDFI


Lake Forest, California

United States

About Clearinghouse CDFI

Clearinghouse CDFI’s mission is to provide economic opportunities and improve the quality of life for low-income individuals and communities through innovative and affordable financing that is unavailable in the conventional market.

Clearinghouse CDFI provides equal access to credit in neighborhoods of all income levels and ethnicities. We spend the time and energy required to find creditworthy borrowers whose projects will become assets in their community. Our loans allow our borrowers to create affordable housing, revitalize blighted areas, rehabilitate needed community centers, and improve their neighborhoods.

Our borrowers are rejected or not even considered by traditional lenders because of their unique circumstances. Unlike traditional lenders, Clearinghouse CDFI does not have a predefined lending box. We consider every loan application and take community impact into account when determining loan approval. Every loan we fund measurably benefits the community.

To date, Clearinghouse CDFI has invested $1.1 billion in loans for 1,537 projects in distressed communities, benefiting over 813,000 individuals. Clearinghouse CDFI loans have created or retained over 10,800 permanent and construction jobs and developed or rehabilitated 9.4 million square feet.

Clearinghouse CDFI is a for-profit corporation and has operated with a socially responsible mission since its inception. Our drive to maintain and adhere to our purpose naturally led us to formalize our commitment to low-income neighborhoods by voluntarily meeting higher standards of performance, accountability, and transparency through becoming a B Corp. Clearinghouse CDFI hopes to attract more socially responsible investors – thereby preserving the integrity of our mission and values while remaining financially sustainable, and ultimately increasing impact in low-income communities. 

The Change We Seek®

Clearinghouse CDFI has proven that community development lending is financially sustainable. We have been able to create tremendous impact in low-income communities while maintaining profitable business operations. By joining the B Corp Community, we hope to bring a new perspective to socially responsible investing.

In the same way that we do not have a predefined “lending box,” we would like to see traditional investors step outside of their “investing box.” We believe that Clearinghouse CDFI’s business model clearly shows that investments can create both financial and social returns. We hope to see more financially-minded companies and individuals start to invest in sustainable initiatives as they see our success in balancing social impact and financial soundness. 

What makes us a better company?

B Impact Report

Certified since: 

January 2014

Company Score

Median Score*



The Environment section of the Assessment evaluates a company's environmental performance through its facilities; materials, resource, and energy use; and emissions. Where applicable, it also considers a company's transportation/distribution channels and environmental impact of its supply chain. This section also measures whether a company's products or services are designed to solve an environmental issue, including products that aid in the provision of renewable energy, conserve resources, reduce waste, promote land/wildlife conservation, prevent toxic/hazardous substance or pollution, or educate, measure, or consult to solve environmental problems.



The Worker section of the survey assesses the company's relationship with its workforce. This section measures how the company treats its workers through compensation, benefits, training, and ownership opportunities provided to workers. It also focuses on the overall work environment within the company through management/worker communication, job flexibility and corporate culture, and worker health and safety practices.



The Customers section of the Assessment measures the impact a company has on its customers. The section focuses on whether a company sells products or services that promote public benefit, and if those products/services are targeted towards serving underserved populations. Questions in this section will measure whether a company's product or service is designed to solve a social or environmental issue (e.g. improves health, preserves environment or creates economic opportunity to individuals or communities, promotes the arts/sciences, or increases the flow of capital to purpose-driven enterprises).



The Community section of the survey assesses a company's impact on its community. The Community section evaluates a company's supplier relations, diversity, and involvement in the local community. The section also measures the company's practices and policies around community service and charitable giving. In addition, this section includes if a company's product or service is designed to solve a social issue, including access to basic services, health, education, economic opportunity, arts, and increasing the flow of capital to purpose-driven enterprises.



The Governance section of the Assessment evaluates a company's accountability and transparency. The section focuses on the company's mission, stakeholder engagement, and overall transparency of the company's practices and policies.

Overall B Score

80 out of 200 is eligible for certification

*Of all businesses that have completed the B Impact Assessment

*Median scores will not add up to overall

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Company Highlights: 

Workers: Covers >80% of health insurance premiums for employees; 95% of employees participated in last year's bonus plan

Community: Employees have volunteered over 300 community service hours; >40% of management is from underrepresented populations 

Environment: Has an office wide recycling program for paper, plastic, glass and metal



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