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The mission-aligned financing
you've been seeking

Since 1984, RSF has made over $600 million in loans to social enterprises. We’re the lender of choice for those seeking a values-aligned partner because of our ability to structure loans that truly meet enterprises’ needs.

The loan fund is made possible by over 1600 individual and organizational investors who are activating their money for good.

Who we support

RSF provides loans to nonprofits and for-profits with a commitment to creating long-term beneficial change.

Learn more about our areas of expertise and general loan criteria:

Alternative Ownership

Climate & Environment

Community Based Arts

Education

Food Systems

Natural Products

Workforce Development

For a list of current borrowers, click here.

Loan options

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

Apply now
Why RSF?

With RSF, you join a community of borrowers and investors with a shared vision for our world.

We are relationship-based, meaning that we take the time to understand your business and mission and you gain a partner to help realize your vision. We offer and expect honesty and transparency. Over time, we build trust, which allows us to lean into opportunity and work through challenging times together.

With our integrated capital approach, we provide financial support along with other essential non-financial resources such as network connections and focus area expertise.

RSF is a nonprofit financial intermediary, not a bank, so the fees and interest you pay go back into our community and mission.

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 RSF 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
2021 5.00% 4.75% 4.75% 4.75%
2020 5.25% 5.00% 5.00% 5.00%
2019 5.50% 5.50% 5.50% 5.50%
2018 5.00% 5.25% 5.25% 5.25%

 

Informational resources
  • Lending Overview
  • Borrower List