Portfolio Partner Profile

Community Reinvestment Fund

Based in Minneapolis, MN, Community Reinvestment Fund, USA (CRF) is committed to spreading economic equity across the country, to generate more investment in the communities that need it most. CRF supplies capital to communities with economic challenges while enabling financial institutions, socially-motivated investors, foundations and individual donors to reach their social investment goals. CRF loans are used to establish new businesses and acquire existing businesses, help businesses expand operations and create jobs, and help non-profits build community facilities that provide needed neighborhood amenities.

Since its inception in 1988, CRF has provided over $3 billion in financing in the 49 U.S. states and the District of Columbia, improving the lives of 1.85 million people in the process. CRF financing has led to the creation and retention of 134,000 jobs, the development of community facilities serving more than 1,300,000 people annually, and financing for thousands of minority and/or women-owned businesses. CRF’s work fosters long-term community revitalization through sustained business investment and allows borrowers to grow their operations, build equity, hire employees, and contribute to the improvement of their neighborhoods.

Learn more about CRF's work and impact on our blog.

Featured Impact Story


Impact Story

Karibu Grocery & Deli

“Karibu” means “welcome” in Swahili, which is exactly the experience the Ali brothers wanted to create when they set out to transform an old gas station in St. Paul, MN into a vibrant neighborhood grocery store and deli that serves Somali food. The Ali’s determination to find financing to fund their dream lead them to the ADC who in turn connected them with CRF. The full start-up funding package was a collaborative effort between ADC, CRF, the City of St. Paul and more.

Impact Story

Spark Montessori, an early childhood learning center


Spark Montessori is an early childhood learning center located in the Ravenswood neighborhood on Chicago’s North Side. The center opened in February of 2019 after converting a former 1880s horse stable into a school building. After only one year of operation, Spark was faced with Illinois’ statewide stay-at-home order and the cancellation of all classes beginning March 13, 2020. Founder, Sara Hruska needed to find a way to maintain connections with the teaching staff and the families within the Spark community. While Spark had embraced e-learning strategies, the school felt it needed to reduce the financial burden for families no longer able to send their children to in-person classes. However, with a reduction in tuition, Spark was faced with the prospect of being unable to pay its 10 employees. Hruska turned to the PPP loan as a life preserver, and CRF delivered the help the school needed to survive until in-person classes were able to resume.

“The people on the CRF team were true heroes at a time when we needed it most. The PPP loan was a massive relief. Not only did it help us pay our staff, but it also helped our families access educational support while maintaining this vital connection to our community. We’ve been so lucky to have such dedicated employees and families, and CRF helped us keep them so we can emerge stronger in the future.” Sara Hruska, Founder, Spark Montessori.

Impact Story

Arubah Emotional Health Services


In 2012, Anissa opened Arubah Emotional Health Services to provide a gathering place in her community where people could come and find healing through personalized and holistic treatment plans. Her mission is to enable, empower and help facilitate personal restoration by providing accessible and affordable mental health services to individuals, couples, families and groups.

Beyond her business, Anissa is a tireless advocate for accessible mental health, especially for the African American and communities with economic challenges in and around North Minneapolis. She is deeply involved in these communities through a myriad of organizations that promote healthy lifestyle choices, empower people of color, and foster community engagement.

CRF is proud to support Anissa and the work she is doing through Arubah Emotional Health Services by providing her with small business financing, which helped her purchase a building and expand in North Minneapolis.

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Sectors and Topics:

Affordable Housing
Community Development
Small Business
Gender Equity


North America


United States

US States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia

First Year of Investment:




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