The financing you need,
the values you align with

Since 1984, RSF has made over $300 million in loans to social enterprises. We’re the lender of choice for those seeking a values-aligned partner because of our expertise, ability to structure loans that truly meet enterprises’ needs, and commitment to direct, transparent and personal relationships. When you receive a loan from RSF, you join a community of like-minded individuals and organizations. The loan fund is made possible by over 1600 investors who are aligning their money with their values.

Who Qualifies

RSF reviews enterprise qualifications with a unique perspective. We want to support revolutionary, forward-thinking, and transformative enterprises. We’re interested in organizations that put mission first.

We provide funding to social enterprises in the U.S. and Canada that are working to create long-term social and ecological benefit. Our broad areas of expertise are food & agriculture, education & the arts, and ecological stewardship, and we’re open to working in other related fields.

RSF serves social enterprises that meet these general criteria:

Committed to creating beneficial change

Incorporated in the U.S. or Canada

Needs range from $200,000 to $5 million

Annual revenue of $1 million plus

Three or more years of operating history

Strong collateral, which may include pledges or guarantees

Profitable, or can demonstrate a path to profitability in 12 months

Excellent history of repayment on debt

Loan Options

We offer mortgage loans, construction loans, equipment loans, and working capital lines of credit.

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How we set our interest rates:
RSF Prime

 

Quarterly interest rates for loans made through RSF’s social enterprise loan program are set on the basis of an independent benchmark called RSF Prime. RSF Prime is equivalent to the RSF Social Investment Fund interest rate plus a 4.25% revenue share used to fund RSF’s operations. It is a base rate and may be risk-adjusted.

RSF Prime is set through a unique aspect of the loan program, the Community Pricing Gatherings. Working together, the community contributes their insight to assist RSF in setting a price that meets the needs of everyone. The meetings are held around the U.S. and online with representatives of our three stakeholder groups—investors, borrowers and staff—and are an opportunity to learn about each other, discuss what rates will best meet the needs of all stakeholders and to make recommendations for raising or lowering the interest rate. We believe this methodology fits better with our mission to create financial relationships that are direct, transparent and personal.

Q1 Q2 Q3 Q4
2017 5.00% 5.00% n/a n/a
2016 4.75% 4.75% 4.75% 4.75%
2015 4.50% 4.50% 4.50% 4.50%
2014 4.50% 4.50% 4.50% 4.50%

 

Meet DC Central Kitchen

DC Central Kitchen is America’s leader in reducing hunger with recycled food, training unemployed adults for culinary careers, serving healthy school meals, and rebuilding urban food systems through social enterprise. Since its founding in 1989, DC Central Kitchen has trained and employed at-risk adults to prepare and deliver over 25 million meals to underserved populations.

Learn more about who we fund
Resources and Downloads

Read more about our lending program.

  • Lending Overview
  • Food & Agriculture
  • Education & the Arts
  • Ecological Stewardship
Testimonials

We enter into a long-term and intimate relationship when we take on this level of debt. Having a partner that truly understands our mission and values is important to us. It’s so much more than a financial transaction. It is a holistic and enduring relationship, for which we are very grateful.

Tracy Bennett Seattle Waldorf School

When we realized we needed additional funding to launch several new products, we approached several banks—and were declined. Not at RSF. They immediately understood the uniqueness of our business model and our funding needs.

Tim McCollum Madecasse

The loan from RSF made complete sense for us. We’ve always valued working with a mission-aligned financing partner, and it’s thrilling to be a participant in the avant-garde of social finance. We applaud RSF for creating a model that truly enables socially responsible companies to pursue their mission and thereby achieve a positive impact on communities and the environment all along the value chain.

Ken Lee Lotus Foods

We are a women-owned organic produce distributor in San Francisco, the oldest in the country. Once we made the decision to expand our operations, we needed some creative financial partners to realize our vision. RSF’s integrated capital approach was key to growing our warehouse space.

Mary Jane Evans Veritable Vegetable

The vision and mission of RSF deeply resonated with our board, and we felt like the values that RSF stands for were ones we could completely appreciate.

Michael Heffernan Pine Forest School
Testimonials

We enter into a long-term and intimate relationship when we take on this level of debt. Having a partner that truly understands our mission and values is important to us. It’s so much more than a financial transaction. It is a holistic and enduring relationship, for which we are very grateful.

Tracy Bennett Seattle Waldorf School

When we realized we needed additional funding to launch several new products, we approached several banks—and were declined. Not at RSF. They immediately understood the uniqueness of our business model and our funding needs.

Tim McCollum Madecasse

The loan from RSF made complete sense for us. We’ve always valued working with a mission-aligned financing partner, and it’s thrilling to be a participant in the avant-garde of social finance. We applaud RSF for creating a model that truly enables socially responsible companies to pursue their mission and thereby achieve a positive impact on communities and the environment all along the value chain.

Ken Lee Lotus Foods

We are a women-owned organic produce distributor in San Francisco, the oldest in the country. Once we made the decision to expand our operations, we needed some creative financial partners to realize our vision. RSF’s integrated capital approach was key to growing our warehouse space.

Mary Jane Evans Veritable Vegetable

The vision and mission of RSF deeply resonated with our board, and we felt like the values that RSF stands for were ones we could completely appreciate.

Michael Heffernan Pine Forest School
Frequently Asked Questions
  • Do you lend to non-profits?

    Absolutely! Non-profit organizations are welcome to apply for financing. Our only requirement is that the non-profit must fundraise a portion of its revenues through earned income (e.g. sales or contracts).

  • Do you fund start-ups?

    We require a minimum of three years in operation for financing, and thus do not fund start-ups. For capital to get your social enterprise off the ground, we recommend reaching out to friends and family, or an angel investor network in your area.

  • What’s your loan due diligence process like?

    Our loan due diligence process is thorough. It includes a site visit, a detailed financial analysis, a mission-alignment analysis, a review of your company or non-profit’s operations, a sector evaluation, and an assessment of collateral for adequate security.

Other Questions?

Contact Stuart Krengel

Senior Associate, Social Enterprise Lending
stuart.krengel@rsfsocialfinance.org
415.561.7988