At a glance
From its website, read 2 Nov 2026REDF Impact Investing Fund is a loan fund based in San Francisco, California. Its website describes commercial real estate loans and small-business loans. Stated loan amounts run from $100,000 to $1M. Where it lends: Invests in small businesses across the U.S.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | redf.org/what-we-do/impact-lending |
|---|---|
| Office (official list) | 785 Market Street, Suite 1200, San Francisco, CA 94103 |
What their website says about applying
If you meet the minimum eligibility requirements, a RIIF team member will reach out to you.
sourceA 30-60 minute conversation to discuss your capital needs, business model and financial health, proposed repayment source, and timing considerations.
sourcewhich may include historical financials, projections or budgets, and management background information.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | SOFR (secured overnight financing rate) plus 200 BPs (basis points) with a floor of 6% and a cap of 7.5% | source |
| Loans (general) | Term: see their wording | Typically 6-9 months | source |
| Loans (general) | Term: see their wording | 12 months with potential for renewal | source |
| Loans (general) | Term: see their wording | 2-7 years with potential for an interest-only period | source |
| Loans (general) | Term: see their wording | Up to 7 years with potential for interest only period | source |
| Loans (general) | Term: see their wording | 5-7 years with potential for a no-payment period | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Jun 2026 |
| RSSD ID | — (none listed) |
| Address | 785 Market Street, Suite 1200, San Francisco, CA 94103 Directions (Google Maps) |
| Website | redf.org/what-we-do/impact-lending |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The lender is the Impact Investing Fund (RIIF) of Redefine Alliance, a nonprofit CDFI; the pages list no equity or venture products. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | A construction loan helps businesses build out or renovate their physical space to support growth. | source |
| Small-business loans | $100,000 – $1M | RIIF offers term loans, bridge loans, and lines of credit ranging from $100,000 to $1 million, with flexibility to respond to borrower capital needs. | source |
Loan sizes
RIIF offers term loans, bridge loans, and lines of credit ranging from $100,000 to $1 million, with flexibility to respond to borrower capital needs.
source$200k – $800k; smaller or larger requests are reviewed on a case-by-case basis
source$300k to $1 million
source
Range used for the size filter: $100,000 to $1M
Service area
Invests in small businesses across the U.S.
RIIF invests in small businesses across the U.S.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://redefinealliance.org/impact-investing/
- https://redefinealliance.org/investments/all/?visc-qf-investments_tax_filter_program-area=impact-investing-fund/past-borrower/
- https://redefinealliance.org/investments/all/?visc-qf-investments_tax_filter_program-area=impact-investing-fund/current-borrower/
- https://redefinealliance.org/impact-investing/how-to-apply/
- https://redefinealliance.org/impact-investing/products/
- https://redefinealliance.org/financials/
- https://redefinealliance.org/bio/anna-zhou/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.7 million in 4 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $610,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2022 | CDFI Program, Financial Assistance | $425,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $11.1M |
|---|---|
| Total liabilities | $8.3M |
| Net assets | $2.7M |
| Total revenue | $1.6M |
| Notes and loans receivable, net (Part X line 7) | $2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 84-2301234, filed as “REDF IMPACT INVESTING FUND”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $5M | $2.1M | $120,592 | $1.6M |
| Dec 2022 (990) | $9.1M | $1.8M | $248,525 | $1.8M |
| Dec 2023 (990) | $11.1M | $2.7M | $1.6M | $2M |
Total assets grew 122% from Dec 2021 to Dec 2023; notes and loans receivable rose 23%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $1M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 72% of these 184. |
| Total assets, latest IRS Form 990 | $11.1M | Larger than 30% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 72% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 30% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in San Francisco and California
- Community Vision Capital and ConsultingLoan fund · San Francisco, CACommercial real estate loansVerified
- Feed the Hunger FundLoan fund · San Francisco, CAAgriculture / farm loans, Small-business loansVerified
- Low Income Investment FundLoan fund · San Francisco, CAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Mission Asset FundLoan fund · San Francisco, CAOfficial list only
- Mission Community Loan Fund LLCLoan fund · San Francisco, CASmall-business loansVerified
- Northeast Community Federal Credit UnionCredit union · San Francisco, CASmall-business loansVerified
- San Francisco Housing Accelerator Fund, TheLoan fund · San Francisco, CAAffordable housing development loansVerified
- Working Solutions CDFILoan fund · San Francisco, CASmall-business loansVerified
Work at REDF Impact Investing Fund? Link to this page
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