At a glance
From its website, read 2 Nov 2026Shared Capital Cooperative is a loan fund based in Saint Paul, Minnesota. Its website describes commercial real estate loans, equipment loans, affordable housing development loans and 1 other loan type. Stated loan amounts run from $5,000 to $1M. Where it lends: Any US business or housing cooperative. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (612) 767-2123 source |
|---|---|
| info@sharedcapital.coop source | |
| Website | www.sharedcapital.coop |
| Office (official list) | 2388 University Ave W, Suite 300, Saint Paul, MN 55114 |
What their website says about applying
To apply for a loan, connect with us
sourceSchedule an informational call with a member of our
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.
Who qualifies, in their words
- Membership required
A co-op must be a member of Shared Capital Cooperative to borrow.
source - Training or counseling required
The applicant must complete financial literacy training provided at no-cost by the Federation of Southern Cooperatives
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) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 2388 University Ave W, Suite 300, Saint Paul, MN 55114 Directions (Google Maps) |
| Website | www.sharedcapital.coop |
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 3 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 Heirs' Property Relending Program is not yet accepting applications, so it is excluded. 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 | — | Real estate acquisition or refinance | source |
| Equipment loans | — | Equipment | source |
| Affordable housing development loans | — | Loans are made to cooperatively owned small business, microenterprises, commercial real estate and multi-family and affordable housing. | source |
| Small-business loans | $5,000 – $1M | Loans of $5,000 to $1,000,000 are available for one to ten years. | source |
Loan sizes
Loans of $5,000 to $1,000,000 are available for one to ten years.
source
Range used for the size filter: $5,000 to $1M
Service area
Any US business or housing cooperative
Any business or housing organization in the US operating and governed on a cooperative basis is eligible to apply for financing.
source
Borrower focus
- Low- and moderate-income / underserved
we especially seek to support cooperatives that are organized by low-income, economically and socially disadvantaged communities
source
Languages
- Spanish
Para la solicitud de préstamo comercial
source
Online application
No online application link found on the pages we read.
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 interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - 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. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - 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$7.9 million in 10 awards from the U.S. Treasury's CDFI Fund, 1997–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program; Healthy Food Financing Initiative, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $520,000 |
| 2020 | Healthy Food Financing Initiative, Financial Assistance | $1,050,000 |
| 2019 | CDFI Program, Financial Assistance | $565,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2014 | CDFI Program, Financial Assistance | $1,500,000 |
| 2003 | CDFI Program, Financial Assistance | $945,000 |
| 2000 | CDFI Program, Financial Assistance | $230,000 |
| 1999 | CDFI Program, Financial Assistance | $310,000 |
| 1997 | CDFI Program, Financial Assistance | $185,000 |
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.
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. |
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% |
“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.
Other certified CDFIs in Saint Paul and Minnesota
- Hmong American Partnership ECDCLoan fund · Saint Paul, MNSmall-dollar / emergency loans, Equipment loans, Small-business loansVerified
- Latino Economic Development CenterLoan fund · Saint Paul, MNAgriculture / farm loans, Small-business loansVerified
- NeDA Centro de Finanzas LLCLoan fund · Saint Paul, MNOfficial list only
- NEIGHBORHOOD DEVELOPMENT CENTERLoan fund · Saint Paul, MNCommercial real estate loans, Credit-builder loans, Energy / solar / efficiency loans, Microloans…Verified
- University Financial Corp.Bank holding company · Saint Paul, MNAuto / vehicle loans, Commercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage)Verified
- WomenventureLoan fund · Saint Paul, MNSmall-business loansVerified
Work at Shared Capital Cooperative? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.