About the Impact Note

The Enterprise Community Impact Note is your unique opportunity to make a socially responsible investment that changes lives — all while earning a financial return.

When you invest in the Enterprise Community Impact Note, your investment benefits communities across the country. The communities use those funds to build affordable housing, community health centers, schools, and other facilities that provide much-needed services in vulnerable areas.

The Enterprise Community Impact Note is offered by Enterprise Community Loan Fund, Inc., a U.S. Department of Treasury certified Community Development Financial Institution (CDFI). With a 25+ year track record, Enterprise Community Loan Fund, Inc. has invested more than $3.1 billion in communities across the country, and every investor has been repaid on time and with interest.*

Investing in the Enterprise Community Impact Note is easier than ever with our new investor web portal.
Learn more.

 

Terms

 

Impact Note Essentials 
Total Offering$100 million
Terms*Fixed interest rates; terms of 1-15 years
Use of ProceedsLoans to nonprofit and mission-aligned for-profit affordable housing, community facilities, and commercial developers and operators
Minimum Investment$5,000
RankingUnsecured Debt Obligations

Downloads

* Past performance is no guarantee of future results.

How to Invest

Invest by Online Portal

Our new online investment portal makes it quick and easy to invest in the Enterprise Community Impact Note. You’ll be walked through the following steps:

  1. Register your name, email and password to set up your account in the portal
  2. Review the Impact Note Prospectus and confirm that you are a resident or entity residing in a State where the Impact Note is available.
  3. Submit supporting documents with the Investment Application. This is an additional measure to ensure against accepting fraudulent contributions.
    1. For individuals, proof of identification (e.g., valid driver’s license or passport)
    2. For institutional investors:
      1. Documentation confirming the entity’s existence (e.g., such as Articles of Incorporation)
      2. An incumbency certificate

  4. Complete your Investment Application, including choosing a Rate and Term combination from the list below that meets your investment goals

    Enterprise Community Impact Note Equitable Decarbonization Initiative -
    Unique Interest Rates and Terms
    YearsRate YearsRate
    33.00% 31.00%
    53.50% 51.50%
    73.75% 71.75%
    104.00% 102.00%
    154.25% 152.25%
  5. Sign investor application electronically
  6. Once your application is approved, you will be notified and provided with transfer payment information, whereupon you can proceed with the transfer of funds.

After your Note has been purchased, you can use the portal to access general communications from ECLF, confirmations of Note purchase(s), transaction history, and accrued interest and impact reporting.

Register at https://impactnote.enterprisecommunity.org/

Invest by Investment Application

The use of the portal is entirely optional. To submit an Investment Application outside of the portal, please contact us at [email protected] or by phone at 877.389.9239.

The Enterprise Community Impact Notes are unsecured debt securities subject to terms, conditions, and risks described in our prospectus, including the risk of possible loss of the amount invested. Payment is dependent on Enterprise Community Loan Fund’s financial condition at the time payment is due. This is not an offer to sell you our securities, and we are not soliciting you to buy our securities. We will offer and sell our securities only in states where authorized. The offering is made solely by the prospectus, which should be read before investing. The Enterprise Community Impact Notes are not FDIC or SIPC insured. Our audited financial statements are current as of December 31, 2024.

A man at a wall with rose bushes and part of a building in the background.
Social Return on Investment Report
Explore success stories and metrics from our impact investing platform. This report is part of our commitment to providing transparent and measurable accounts of our work.
Read the SROI Report