From city centers on the coast to farming communities in the Central Valley and mountain towns in the Sierras, Community Development Financial Institutions (CDFIs) help build needed housing, create local jobs, and deliver critical services.
We Turn the California Dream Into Reality
The California Coalition for Community Investment (CalCCI) helps Californians afford homes, build small businesses, and access care by getting capital to the people and places that need it most.
Delivering What Communities Need
$28.3 billion
in low-cost community lending statewide
700,000+
jobs created or retained
176,000+
affordable homes built or preserved
240,000+
small business loans made
2.8 million+
health care visits supported
260,000
Education and childcare slots created
Data Source: US Department of Treasury, CDFI Lending 2005-2023
Stories of Impact
Building and Preserving Affordable Housing
Housing Trust Silicon Valley launched the Building Impact Initiative, a new fund with a goal to build or preserve 7,400 affordable homes in the Bay Area. The fund is projected to generate $5.7 million in annual rent savings for low-income households, while supporting housing near jobs and transit.
Making Quality Child Care Accessible
Low Income Investment Fund and Working Solutions are helping expand child care access by supporting home-based child care providers. The Family Child Care Capital Access initiative provides loans and technical assistance to licensed in-home providers in California, helping to make quality child care accessible to working families.
Expanding Health Care in the Central Valley
Community Vision financed the development of three new Federally Qualified Health Center (FQHC) sites in Madera County. A $7.2 million loan is enabling Camarena Health Center to construct a new urgent care, pediatric clinic, and senior care facility in downtown Madera, a community threatened with hospital closures.
Revitalizing Downtown San Francisco
Main Street Launch partnered with the City of San Francisco to create the Downtown San Francisco Vibrancy Loan Fund, offering low-interest loans and grants to help local businesses fill vacancies in the city’s downtown. The Fund fosters inclusive entrepreneurship while helping reimagine the downtown area.
Ensuring Safe Drinking Water In Rural Communities
The Rural Community Assistance Corporation finances critical water infrastructure projects in rural California, helping communities access safe, reliable drinking water. These investments improve public health and quality of life in places often overlooked by traditional financing.
Offering Fair Alternatives To Predatory Lending
The Economic Justice Fund provides affordable, no-fee loans that help low-income Californians avoid predatory payday loans and rebuild credit. The Equitable Opportunity Loan gives borrowers a path toward financial stability and long-term economic security.
Bringing Investment to Communities Across the State
Why CDFIs Exist
California’s economy is strong when opportunity extends to every region of the state. Yet many communities—urban, rural, suburban, and tribal—are still underserved by traditional commercial lending. CDFIs close that gap by bringing capital into places the private sector often overlooks, helping communities build housing, grow businesses, expand essential services, and contribute to local economic growth.
CalCCI’s Role
CalCCI makes sure this system works at a statewide scale by strengthening our economic infrastructure in three areas:
Advocate:
We ensure CDFIs have a seat at the table in California’s policy and budget discussions—so community needs are reflected in state decisions.
Connect:
We bring together policymakers, private investors, philanthropic partners, and community lenders to align capital with public priorities.
Resource:
We mobilize public and private funding to support CDFI-driven solutions in affordable housing, small business growth, health care, child care, and more.
Strengthening California’s Essential Economic Infrastructure
Renewing the California Investment and Innovation Program (Cal IIP) in 2026 ensures this essential economic infrastructure remains strong in every region. Our budget letter, signed by over 70 CDFIs, community groups, and advocacy coalitions, urges the state to extend this successful program.
Advocacy Priorities
Tackling California’s housing, economic, health and child care, and climate challenges requires capital that can reach communities quickly. Cal IIP is how the state does that—working with CDFIs to unlock private capital, close financing gaps, and deliver affordable homes, care, and good-paying jobs for Californians.
Partnering To Build California’s Future
A thriving California depends on collaboration across sectors. Policymakers, funders, lenders, and community partners all have a role to play in ensuring every community can share in the opportunities that California’s economy creates.