Renewable Manufacturing Gateway dba Community Growth Fund — Venture capital fund, Pittsburgh, PA

At a glance

From its website, read 2 Nov 2026

Renewable Manufacturing Gateway dba Community Growth Fund is a venture capital fund based in Pittsburgh, Pennsylvania. Its website describes auto loans, affordable housing development loans and small-business loans. Stated loan amounts run from $5,000 to $500,000. Where it lends: 10-county South Western Pennsylvania area and all of West Virginia. The business loan rate it states is 8%. It says it considers borrowers with low or no credit history. You can start an application online.

Each point is backed by a quote further down this page. Terms change: confirm with the lender.

How to reach them and apply

Apply online	Page with the application link
Website	cgfund.org
Office (official list)	436 7th Avenue, Suite 2606, Pittsburgh, PA 15219

What their website says about applying

please fill out the intake form below to get started. source
A minimum of one-year cash flow projection and a demonstrated capacity for repayment. 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
Auto / vehicle loans	Rate stated, not as an APR: see their wording	with an 8% interest rate and 48- month payment term	source
Small-business loans	Rate: from 8%	Fixed interest rates starting at 8%.	source
Auto / vehicle loans	Term: see their wording	with an 8% interest rate and 48- month payment term	source
Affordable housing development loans	Term: up to 3 yr	Up to 36-month term, Interest only	source
Small-business loans	Term: up to 3 yr	The maximum loan term is 36 months.	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.

Who qualifies, in their words

Low or damaged credit considered The Ways to Work (WTW) loan program is designed for those with low- to middle-income, with less than perfect credit histories, seeking an auto loan. source
No or thin credit history considered We believe that having poor credit, or no credit at all, should not preclude anyone from bettering their lives source
Training or counseling required The process includes required virtual, one-on-one Financial Classes source
Collateral required Lien on Project Real Estate source

Only rules the lender's own pages state. Other requirements may apply.

Official record

CDFI Fund list, 21 Oct 2026

Institution type	Venture capital fund (listed as “Venture Capital Fund”)
Native CDFI	No
Date certified (as listed)	18 Jul 2014
RSSD ID	— (none listed)
Address	436 7th Avenue, Suite 2606, Pittsburgh, PA 15219 Directions (Google Maps)
Website	cgfund.org

Loans and eligibility

Verified from lender site on 2 Nov 2026

Read 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. Ways to Work no longer offers auto repair loans; the Pre-Development loan is for developers, not individual homebuyers. Terms change — confirm with the lender before applying.

Product	Amount stated	Text on the lender's site (verbatim, incl. menu labels)	Page
Auto / vehicle loans	—	Financing for used vehicles up to $10,000 in value, with an 8% interest rate and 48- month payment term	source
Affordable housing development loans	—	Pre-Development/Site Assembly (PRE-SAL) financing is available to developers for the development of affordable rental, for sale, and mixed-use housing.	source
Small-business loans	$5,000 – $50,000	Loans range from $5,000 to $50,000 focusing on minority and women owned small/micro businesses	source

Loan sizes

Loans range from $5,000 to $50,000 focusing on minority and women owned small/micro businesses source
Loans up to $500,000 source

Range used for the size filter: $5,000 to $500,000

Service area

10-county South Western Pennsylvania area and all of West Virginia

The Community Growth Fund serves the 10-county South Western Pennsylvania area (Allegheny, Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Lawrence, Washington, and Westmoreland counties) and all of West Virginia. source

Statewide: West Virginia

Borrower focus

Low- and moderate-income / underserved designed for those with low- to middle-income source
Minority / BIPOC focusing on minority and women owned small/micro businesses source
Rural Our focus is to assist and provide loans to urban and rural small/micro businesses with sales under $1 million. source
Startups We offer loans to start-ups and existing businesses. source
Women focusing on minority and women owned small/micro businesses source

Languages

No non-English service found on the pages we read.

Online application

Yes — the site links to an application. GO TO WTW INTAKE FORM source

Pages read (7)

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 is the APR, including fees, on your auto loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
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

$125,000 in 1 award from the U.S. Treasury's CDFI Fund, 2022 (CDFI Program, Technical Assistance).

Round year	Program	Amount
2022	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	$3M
Total liabilities	$2M
Net assets	$1M
Total revenue	$450,305
Notes and loans receivable, net (Part X line 7)	$2.2M

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 27-1628248, filed as “RENEWABLE MANUFACTURING GATEWAY”), 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)	$1.5M	$573,007	$517,487	$1.2M
Dec 2022 (990)	$2M	$788,068	$383,396	$1.3M
Dec 2023 (990)	$3M	$1M	$450,305	$2.2M

Total assets grew 103% from Dec 2021 to Dec 2023; notes and loans receivable rose 87%. 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	$3M	Larger than 12% of the 24 other certified loan funds and venture funds in Pennsylvania with a matched Form 990 (median $8.7M).
Business loan rate its website stated (2 Nov 2026)	8.00%	Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 1 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size.

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 12%

“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.

Same loan type, nearby, lower stated rate

Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).

Small-business loans (this lender states from 8.00%): Invest PGH Inc. from 3.00% (0 mi, read 2 Nov 2026)

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.

Other certified CDFIs in Pittsburgh and Pennsylvania

All 31 CDFIs in Pennsylvania

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