How Our Lending Support Programs Work
Overview
The Capital Savings Foundation (CSF) is building a bridge between financial institutions and everyday people who want to create long-term wealth, not just quick success.
Many people do not have the savings or financial backing needed to buy a property or a business, even when they have the drive and good credit. CSF steps in to fill that gap by providing financial support, education, and opportunity so individuals can build assets that last for generations.
Program Purpose
CSF’s Lending Support Programs help motivated borrowers access ownership opportunities while supporting banks and credit unions serving their communities. The goal is to expand access responsibly and create long-term, compounding impact.
How the Program Works
Think of this as CSF helping someone buy their first investment property or small business, the same way a college scholarship helps a student pay for school.
Here’s What Happens:
The borrower works with their bank or credit union just like they normally would, following standard lending processes and underwriting requirements.
CSF steps in to share part of the risk by helping cover a portion of the down payment, guaranteeing part of the loan, or contributing capital to the transaction.
This additional support makes it easier for banks and credit unions to say yes to borrowers who might not otherwise qualify on their own.
Everyone Wins:
The borrower becomes a property owner or business owner and begins building equity instead of continuing to rent or work without ownership.
The bank or credit union is able to lend safely, responsibly, and in alignment with its financial and regulatory obligations.
CSF helps ensure that more families and entrepreneurs have a real opportunity to begin building long-term wealth.
Borrowers also take a financial literacy course through a list of CSF-approved organizations, so they fully understand how to manage and grow their investment.
Who This Program Serves
CSF works with motivated borrowers and mission-aligned financial institutions. Participants are individuals seeking long-term ownership outcomes, supported through CSF capital and educational pathways.
Leveraging Donor Capital
Donor support plays a central role in making the Lending Support Programs possible.
Every contribution helps Capital Savings Foundation provide the seed capital, education, and guarantees that allow banks and credit unions to expand access to lending responsibly. This support reduces risk for financial institutions and unlocks significantly more private capital for borrowers.
Unlocking Lending Capital
A $50,000 donation may help unlock $250,000 or more in new lending.
Creating New Owners
A single participant may move from renter to landlord, or from employee to business owner, and later mentor others in their community.
Ensuring Responsible Structure
Donor capital also supports education, guarantees, and program oversight, ensuring that each transaction is structured responsibly and positioned for long-term success.
Supporting CSF is not just funding a program. It is building a financial ecosystem where ownership, knowledge, and opportunity circulate back into the community.
Long-Term Ownership Focus
Owning one property is good. Owning more is life-changing.
That is why everyone who receives help through the Lending Grant also opens a Wealth Builder Account (WBA) with CSF. It works like a savings and investment account with a specific purpose: helping participants grow toward their next property or business.
WBA Launching Fall 2028
Until WBA launches, CSF will focus on education, program preparation, and building the institutional infrastructure needed to support WBAs responsibly and at scale. Once launched, the WBA will function as a disciplined, long-term wealth-building tool that helps participants move from their first successful investment toward continued ownership and expansion.
Here is how the WBA will work:
Each month, participants put a small portion of their rental income (usually around 10%) into their WBA.
The participant’s money compounds and grows over time, giving them funds for Property Number Two and beyond.
CSF invests those pooled funds carefully, aiming to earn 8–10% growth per year.
If the overall investments do especially well, participants can even earn a bonus return on top of the guaranteed amount.
Stewardship and Oversight
Capital Savings Foundation structures its Lending Support Programs to expand responsible access to capital while maintaining strong oversight, risk management, and regulatory alignment. Through guarantees and shared-risk structures, CSF supports both financial institutions and borrowers without compromising safety or donor intent.
How This Helps Banks and Credit Unions
01
Reduced Lending Risk
CSF guarantees and shared-risk structures lower exposure
02
CRA Alignment
Supports Community Reinvestment Act objectives
03
Responsible Underwriting
Maintains sound underwriting standards
04
Sustainable Loan Income
Enables long-term, mission-aligned lending
One Support System, Two Paths
Both pathways operate within the same CSF oversight framework and partner with banks and credit unions to support responsible ownership and long-term wealth building.
First Investment Property Ownership Fund
Supports individuals acquiring their first income-producing property by partnering with banks and credit unions through shared-risk structures and capital support.
Borrowers acquire their first income-producing property and begin building equity through ownership.
Banks and credit unions are able to lend responsibly while operating with reduced risk.
Participants receive education focused on ownership, cash flow, and long-term planning.
Borrowers prepare for future growth through structured savings and reinvestment pathways.
This fund is designed to move participants from renters to owners and set the stage for continued asset accumulation.
Entrepreneurship Through Acquisition Fund
Supports qualified borrowers acquiring established, proven businesses by partnering with banks and credit unions through capital support and risk-sharing structures.
Borrowers acquire established, proven businesses and step into ownership as sellers retire.
Banks and credit unions support acquisitions that preserve jobs and local economic activity.
New owners receive education focused on financial management and operations.
Participants reinvest profits toward future acquisitions or strategic business expansion.
This pathway allows entrepreneurs to build wealth through ownership while maintaining continuity for employees and communities.
How It All Fits Together
Capital Savings Foundation’s Lending Support Programs operate as a connected system, not one-off transactions, with each part reinforcing the others to create a cycle of ownership, education, and reinvestment that builds lasting community wealth.
Here is how the pieces connect:
Donors provide seed capital that allows CSF to reduce risk and provide guarantees, education, and support.
Wealth Builder Accounts help participants save, invest, and grow capital for their next property or business.
Banks and credit unions use this support to responsibly approve loans they might not otherwise be able to make.
Repeat ownership and mentorship strengthen families, institutions, and communities over time.
Borrowers become property owners or business owners and begin building equity instead of paying rent or working without ownership.
Education and accountability are embedded at every stage, helping participants make informed decisions, manage risk responsibly, and sustain ownership over the long term.
What begins as one supported opportunity can grow into multiple investments, businesses, and community anchors.
Donate Today
Your contribution helps CSF provide the seed capital, education, and guarantees that make all of this possible.