At a glance
From its website, read 2 Nov 2026Reinvestment Fund, Inc., The is a loan fund based in Philadelphia, Pennsylvania. Its website describes child-care facility loans, commercial real estate loans, energy-efficiency loans and 2 other loan types. Where it lends: Lends across the country (national).
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.reinvestment.com |
|---|---|
| Office (official list) | One Commerce Square, 2005 Market Street, Suite 3000, Philadelphia, PA 19103 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Training or counseling required
Providers must stay open and licensed for five years and complete ongoing business training.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | — (none listed) |
| Address | One Commerce Square, 2005 Market Street, Suite 3000, Philadelphia, PA 19103 Directions (Google Maps) |
| Website | www.reinvestment.com |
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: medium. Page 5 says Reinvestment Fund's programs are geographically bound to Montgomery County and Philadelphia, which conflicts with the nationwide statement on page 1. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Child-care facility financing | up to $300,000 | a $4 million initiative offering forgivable loans of up to $74,000 and zero-percent-interest loans of up to $300,000 | source |
| Commercial real estate loans | — | and social impact real estate projects | source |
| Energy / solar / efficiency loans | — | Financing for a broad variety of projects from solar to energy-efficient retrofits | source |
| Equipment loans | — | Equipment Fund to Fund | source |
| Affordable housing development loans | — | Reinvestment Fund provides financing that supports small scale housing developers as well as developers who are underrepresented in real estate development. | source |
Loan sizes
a $4 million initiative offering forgivable loans of up to $74,000 and zero-percent-interest loans of up to $300,000
source
Borrower focus
- Child-care providers
available to and created specifically with home-based child care providers as well as small center-based programs in mind
source
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://www.reinvestment.com/
- https://www.reinvestment.com/financing/loan-products/
- https://www.reinvestment.com/financing/pay-for-success/
- https://www.reinvestment.com/financing/small-scale-developers/
- https://www.reinvestment.com/insights/2023-mortgage-lending-activity-in-the-philadelphia-metro-area/
- https://www.reinvestment.com/insights/why-home-based-child-care-deserves-a-place-in-the-capital-markets/
- https://www.reinvestment.com/financing/about-our-financing/
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.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your energy-efficiency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your child-care facility loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
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$71.3 million in 32 awards from the U.S. Treasury's CDFI Fund, 1997–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,735,000 |
| 2024 | Healthy Food Financing Initiative, Financial Assistance | $3,800,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $1,107,900 |
| 2022 | Healthy Food Financing Initiative, Financial Assistance | $2,300,000 |
| 2021 | CDFI Program, Financial Assistance | $766,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Healthy Food Financing Initiative, Financial Assistance | $4,250,000 |
| 2020 | CDFI Program, Financial Assistance | $887,500 |
| 2020 | Healthy Food Financing Initiative, Financial Assistance | $2,750,000 |
| 2019 | Capital Magnet Fund | $3,750,000 |
| 2018 | CDFI Program, Financial Assistance | $875,000 |
| 2018 | Healthy Food Financing Initiative, Financial Assistance | $3,000,000 |
| 2017 | Capital Magnet Fund | $4,500,000 |
| 2016 | CDFI Program, Financial Assistance | $2,000,000 |
| 2016 | Healthy Food Financing Initiative, Financial Assistance | $3,000,000 |
| 2014 | CDFI Program, Financial Assistance | $3,000,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Financial Assistance | $3,000,000 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2010 | Capital Magnet Fund | $5,000,000 |
| 2009 | CDFI Program, Financial Assistance | $2,000,000 |
| 2008 | CDFI Program, Financial Assistance | $1,000,000 |
| 2007 | CDFI Program, Financial Assistance | $860,000 |
| 2006 | CDFI Program, Financial Assistance | $585,000 |
| 2005 | CDFI Program, Financial Assistance | $950,000 |
| 2004 | CDFI Program, Financial Assistance | $2,000,000 |
| 2002 | CDFI Program, Financial Assistance | $2,000,000 |
| 2000 | CDFI Program, Financial Assistance | $2,500,000 |
| 1998 | CDFI Program, Financial Assistance | $2,500,000 |
| 1997 | CDFI Program, Financial Assistance | $2,000,000 |
New Markets Tax Credit allocations
$788.4 million in 13 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $75,000,000 |
| 2023 | New Markets Tax Credit allocation | $50,000,000 |
| 2020 | New Markets Tax Credit allocation | $60,000,000 |
| 2019 | New Markets Tax Credit allocation | $60,000,000 |
| 2017 | New Markets Tax Credit allocation | $70,000,000 |
| 2014 | New Markets Tax Credit allocation | $65,000,000 |
| 2013 | New Markets Tax Credit allocation | $43,000,000 |
| 2012 | New Markets Tax Credit allocation | $45,000,000 |
| 2011 | New Markets Tax Credit allocation | $41,919,753 |
| 2009 | New Markets Tax Credit allocation | $90,000,000 |
| 2008 | New Markets Tax Credit allocation | $75,000,000 |
| 2006 | New Markets Tax Credit allocation | $75,000,000 |
| 2003 | New Markets Tax Credit allocation | $38,500,000 |
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 | $669.6M |
|---|---|
| Total liabilities | $392.7M |
| Net assets | $276.9M |
| Total revenue | $78M |
| Notes and loans receivable, net (Part X line 7) | $489.1M |
| Program-related investments (Part X line 13) | $6.1M |
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 23-2331946, filed as “REINVESTMENT FUND INC”), 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) | $609.3M | $229.2M | $44.6M | $432.7M |
| Dec 2022 (990) | $609.7M | $244.5M | $54.5M | $444.4M |
| Dec 2023 (990) | $669.6M | $276.9M | $78M | $489.1M |
Total assets grew 10% from Dec 2021 to Dec 2023; notes and loans receivable rose 13%. 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 |
|---|---|---|
| Total assets, latest IRS Form 990 | $669.6M | Larger than 100% of the 24 other certified loan funds and venture funds in Pennsylvania with a matched Form 990 (median $8.4M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Pennsylvania | 24 | larger than 100% |
“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 Philadelphia and Pennsylvania
- Asian BankBank or thrift · Philadelphia, PACommercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Asian Finanical CorporationBank holding company · Philadelphia, PACommercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- BEECH CAPITAL VENTURE CORPORATIONLoan fund · Philadelphia, PASmall-business loansVerified
- Economic Opportunities FundLoan fund · Philadelphia, PACommercial real estate loans, Credit-builder loans, Small-business loansVerified
- Enterprise Center Capital Corporation, TheLoan fund · Philadelphia, PAOfficial list only
- Entrepreneur Works FundLoan fund · Philadelphia, PAOfficial list only
- Impact Loan Fund, Inc.Loan fund · Philadelphia, PAOfficial list only
- North Philadelphia Financial PartnershipLoan fund · Philadelphia, PACommercial real estate loans, Credit-builder loans, Microloans, Personal / consumer loans…Verified
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