Community Investment Management

Community Investment Management LLC is a principal investment firm based in San Francisco, California, specializing in financing small businesses in the United States. Established in 2012, the firm focuses on marketplace lending and works in partnership with technology-driven lenders to provide responsible and transparent financing solutions. Community Investment Management aims to support innovative fintech through bankruptcy-remote debt financing, ultimately benefiting small businesses and underserved borrowers. The firm's investment strategy involves creating a diversified short-duration portfolio of marketplace loans originated by financial technology companies, aligning the interests of small business borrowers with those of investors.

Elena Amato

Managing Director of Investments

Alejandro Arenas

Senior Director, Investments

Bernhard Eikenberg

Partner and Co-Founder, Emerging Markets Strategy

Jacob Haar

Co-Founder and Managing Partner

Jeff Hilton

Managing Director, Investments and Finance

Michael Poole

Managing Director of Investments

Lucia Villar

Director, Investments

28 past transactions

Zolve

Debt Financing in 2025
Zolve is a neo-banking platform based in Bangalore, India, launched in 2020. It offers a range of financial services including deposit accounts, prepaid cards, money transfers, bill payments, and cross-border transactions. The platform also provides tools for monitoring transactions and managing expenses and budgets. Zolve aims to create a borderless financial world, providing equitable access to global financial products on a single platform. This enables individuals to save money, invest it further, and pursue their ambitions with greater financial freedom.

R2

Debt Financing in 2024
R2 is a fintech company that provides an embedded lending platform enabling other platforms to offer financing to their small and medium business buyers and sellers, with a focus on Latin America. The platform integrates with a client’s existing system via an API and delivers revenue-based financing services to help increase capital retention and create new revenue streams. By partnering with notable platforms such as Rappi and Clip to power their capital arms, R2 helps merchants grow gross merchandise value and strengthens customer loyalty by serving as a trusted financing supplier. The solution is designed to streamline access to capital for SMBs within existing ecosystems, supporting lenders and platforms to extend credit more efficiently while aiming to reduce credit risk and scale financing across networks.

Finkargo

Series A in 2024
Finkargo is a financial services company based in Bogota, Colombia, that specializes in trade financing for small and medium-sized enterprises (SMEs). Established in 2021, Finkargo aims to facilitate the growth of these businesses by providing logistical and technological support tailored to their needs. The company offers an import financing platform that features an automated credit scoring model, enabling SMEs to access necessary capital and streamline their logistics and financing processes. By prioritizing fair pricing and aligning its services with the realities of its clients, Finkargo helps small and medium-sized importers increase sales and manage logistics effectively.

Gynger

Debt Financing in 2024
Gynger is a pioneering payments platform designed specifically for technology purchases, integrating embedded financing solutions to transform the buying and selling process. The company offers a sales acceleration platform that enhances deal closure by providing tailored financing options to pre-qualified leads. Gynger's system underwrites, approves, and issues loans with flexible payment terms, including easy monthly installment options. By combining software management with financial services, Gynger enables businesses to optimize their sales processes and manage credit more effectively, thereby improving cash flow and facilitating technology acquisitions.

Jeeves

Debt Financing in 2024
Jeeves is a fintech company founded in 2019 and headquartered in the United States, focused on providing financial solutions that empower businesses worldwide. The company is developing a comprehensive international fintech infrastructure that includes a global switching layer and the capability to manage corporate spending through various financial tools. Jeeves offers a platform that enables customers to open multi-currency accounts, issue corporate cards, and track expenses, facilitating cross-border payments and simplifying expense management for global teams. By integrating these features into a single platform, Jeeves aims to streamline financial operations for businesses operating in multiple countries.

Zolve

Debt Financing in 2023
Zolve is a neo-banking platform based in Bangalore, India, launched in 2020. It offers a range of financial services including deposit accounts, prepaid cards, money transfers, bill payments, and cross-border transactions. The platform also provides tools for monitoring transactions and managing expenses and budgets. Zolve aims to create a borderless financial world, providing equitable access to global financial products on a single platform. This enables individuals to save money, invest it further, and pursue their ambitions with greater financial freedom.

Flex

Debt Financing in 2023
Flex is a financial technology company that offers an end-to-end finance platform that integrates business and personal finance management. Their services include business banking with zero monthly fees, 1% cashback on eligible purchases, and high-yield accounts with up to 2.99% APY on idle cash. They provide a business credit card featuring 0% interest for 60 days on eligible purchases, unlimited cashback, and flexible rewards. Flex also offers accounts payable automation with features like fraud prevention, AI-powered bill scanning, and real-time payment tracking. Additionally, their platform supports global payments across over 180 countries in 32 currencies, catering to businesses with international operations.

Amartha

Debt Financing in 2023
Amartha is a microfinance technology platform dedicated to fostering economic growth at the grassroots level by facilitating connections between micro and small to medium-sized enterprises (SMEs) and investors. The platform enables entrepreneurs, particularly in rural areas, to access microfinance loans through user-friendly mobile applications and websites. By bridging the gap between potential lenders and borrowers, Amartha aims to create equal opportunities for prosperity, thereby contributing to the overall development of local economies.

Stori

Debt Financing in 2023
Stori, established in 2017 and headquartered in Vienna, Virginia, is a technology-driven financial services provider. It specializes in using artificial intelligence to offer inclusive financial products, primarily digital credit cards, to underserved middle- and emerging middle-class customers. Stori's platform connects consumers with personal loan officers, assists in product selection based on financial situations, and guides users through the loan application process. Additionally, it aims to simplify and secure financial management by offering a unified mobile application for borrowing, saving, and investing.

R2

Debt Financing in 2023
R2 is a fintech company that provides an embedded lending platform enabling other platforms to offer financing to their small and medium business buyers and sellers, with a focus on Latin America. The platform integrates with a client’s existing system via an API and delivers revenue-based financing services to help increase capital retention and create new revenue streams. By partnering with notable platforms such as Rappi and Clip to power their capital arms, R2 helps merchants grow gross merchandise value and strengthens customer loyalty by serving as a trusted financing supplier. The solution is designed to streamline access to capital for SMBs within existing ecosystems, supporting lenders and platforms to extend credit more efficiently while aiming to reduce credit risk and scale financing across networks.

Fairplay

Debt Financing in 2023
Fairplay is a performance-based financing platform that specializes in supporting e-commerce companies by providing funds for marketing expenditures. The company advances revenue to its clients, enabling them to invest in performance marketing campaigns that drive growth. In return, Fairplay receives a consistent share of the client's revenues until the advanced capital is fully repaid, along with a predetermined fee. By utilizing advanced data analytics, Fairplay optimizes investment in digital marketing initiatives, allowing clients to enhance their sales while effectively managing their financial commitments.

Efficient Capital Labs

Debt Financing in 2022
Efficient Capital Labs is a direct lender providing non-dilutive financing to SaaS businesses. It offers fast, seamless, and cost-effective capital with underwriting that supports transparent terms. The firm targets B2B SaaS companies that have a substantial product and operations presence in India while generating revenues in the United States and other major markets. By delivering non-dilutive funding, Efficient Capital Labs helps SaaS companies scale, fund product development, and expand operations without equity dilution, positioning itself as a practical financing partner for growth-focused SaaS businesses.

Finkargo

Debt Financing in 2022
Finkargo is a financial services company based in Bogota, Colombia, that specializes in trade financing for small and medium-sized enterprises (SMEs). Established in 2021, Finkargo aims to facilitate the growth of these businesses by providing logistical and technological support tailored to their needs. The company offers an import financing platform that features an automated credit scoring model, enabling SMEs to access necessary capital and streamline their logistics and financing processes. By prioritizing fair pricing and aligning its services with the realities of its clients, Finkargo helps small and medium-sized importers increase sales and manage logistics effectively.

Camino Financial

Debt Financing in 2022
Camino Financial, Inc. is an AI-driven community lending platform based in Los Angeles, California, that focuses on providing affordable credit and wealth-building solutions to underserved entrepreneurs. Founded in 2014, the company utilizes proprietary credit assessment and data aggregation technology to identify and offer tailored loan products to businesses that are often overlooked by traditional financial institutions. Camino Financial specializes in helping small businesses secure various funding options, including term loans, SBA express loans, merchant cash advances, and invoice financing, while also providing financial services such as credit analytics and technical assistance. By partnering with financial institutions and mission-aligned organizations, the company effectively pools resources to distribute low-cost funding and educational support. As a nationally certified Community Development Financial Institution, Camino Financial has facilitated over $140 million in funding across the United States, significantly contributing to the financial growth and stability of its clients.

Xepelin

Debt Financing in 2022
Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

Stori

Debt Financing in 2021
Stori, established in 2017 and headquartered in Vienna, Virginia, is a technology-driven financial services provider. It specializes in using artificial intelligence to offer inclusive financial products, primarily digital credit cards, to underserved middle- and emerging middle-class customers. Stori's platform connects consumers with personal loan officers, assists in product selection based on financial situations, and guides users through the loan application process. Additionally, it aims to simplify and secure financial management by offering a unified mobile application for borrowing, saving, and investing.

HoneyBee

Debt Financing in 2021
HoneyBee is a Certified Benefit Corporation that addresses financial insecurity in the workplace. It provides Rainy Day Coverage with no-cost emergency funds and bilingual on-demand financial counseling to support employees' financial health. Through its financial wellness platform, the company helps employers attract and retain talent by meeting the financial needs of the modern workforce, including features for student loans, savings and budgeting, debt management, and credit building, with the aim of fostering a financially healthy workforce.

Rho

Debt Financing in 2021
Rho is a digital banking platform tailored for high-growth companies, integrating commercial banking, spend management, and treasury services into a comprehensive solution. The platform offers flexible checking accounts for daily operations while securely managing reserve capital through insured treasury management accounts. Rho enables organizations to efficiently handle expenses, accounts payable, and financial operations with advanced technology that enhances workflow efficiency, control, and visibility. By providing physical and virtual corporate cards, Rho empowers businesses to manage and monitor spending across teams, ensuring greater financial oversight. Designed to seamlessly integrate with accounting software, Rho's all-in-one financial platform supports corporate finance teams in optimizing their financial processes.

Brigit

Debt Financing in 2021
Brigit is a financial technology company that develops a platform focused on enhancing financial health and well-being. The platform provides tools for cash advances, credit building, and financial management, enabling users to monitor their bills and budgets effectively. By offering insights into spending habits, Brigit helps individuals manage their finances more prudently while accessing credit options with minimal interest costs. The company's mission is to promote sustainable financial wellness and stability for its clients.

Salary Finance

Debt Financing in 2021
Salary Finance operates an online platform that partners with employers to provide employees with financial wellbeing benefits. The platform offers salary advances, affordable loans, savings accounts, and financial education, all integrated with payroll for automatic deductions. By enabling employees to access earned pay, manage debt, and build savings, the service aims to improve retention, productivity, and overall financial health. Founded in 2015 and headquartered in London, the company focuses on responsible financial products delivered through workplace benefits.

Camino Financial

Debt Financing in 2020
Camino Financial, Inc. is an AI-driven community lending platform based in Los Angeles, California, that focuses on providing affordable credit and wealth-building solutions to underserved entrepreneurs. Founded in 2014, the company utilizes proprietary credit assessment and data aggregation technology to identify and offer tailored loan products to businesses that are often overlooked by traditional financial institutions. Camino Financial specializes in helping small businesses secure various funding options, including term loans, SBA express loans, merchant cash advances, and invoice financing, while also providing financial services such as credit analytics and technical assistance. By partnering with financial institutions and mission-aligned organizations, the company effectively pools resources to distribute low-cost funding and educational support. As a nationally certified Community Development Financial Institution, Camino Financial has facilitated over $140 million in funding across the United States, significantly contributing to the financial growth and stability of its clients.

Founders First Capital Partners

Debt Financing in 2019
Founders First Capital Partners, LLC is a venture capital firm established in 2015 and located in San Diego, California. The firm specializes in providing growth capital and revenue-based funding to service-oriented businesses, particularly those led by women, ethnic minorities, and military veterans. In addition to funding, Founders First Capital Partners offers business acceleration services, including proprietary accelerator programs, advisory services, and educational platforms. The firm aims to create an ecosystem that supports the development and success of small businesses, especially those situated in low- to moderate-income areas across the United States.

Kenzie Academy

Debt Financing in 2019
Kenzie Academy, Inc., based in Indianapolis, Indiana, is a software engineering apprenticeship school that addresses the significant shortage of tech talent in the United States. Founded in 2017, the academy offers a range of educational programs, including coding bootcamps and online courses, designed to provide students with essential training, networking opportunities, and hands-on experience. Programs typically last between six months to two years, culminating in a paid apprenticeship after six months. The academy prioritizes job placement for its graduates, facilitating opportunities either through its consulting division or with various technology companies. Kenzie Academy's mission is to reimagine higher education in the tech sector, leveraging the expertise of its instructors and mentors to support student success.

MPOWER Financing

Debt Financing in 2018
MPOWER Financing is a Public Benefit Corporation based in Washington, D.C., that provides educational loans to international and DACA students studying in the United States and Canada. Founded in 2014, the company offers loans ranging from $2,001 to $50,000, which can be used for various student-related expenses, including tuition, housing, and books. Notably, MPOWER does not require a co-signer, collateral, or a U.S. credit history, utilizing a proprietary credit algorithm that assesses future potential instead. Loans are structured as 10-year fixed-rate agreements, with repayments beginning six months after graduation. The company also offers additional support services, such as interest discounts, personal finance education courses, credit-building resources, and job placement assistance. By partnering with universities, MPOWER identifies potential loan candidates and directly disburses funds to educational institutions for tuition and related expenses.

MPOWER Financing

Series B in 2018
MPOWER Financing is a Public Benefit Corporation based in Washington, D.C., that provides educational loans to international and DACA students studying in the United States and Canada. Founded in 2014, the company offers loans ranging from $2,001 to $50,000, which can be used for various student-related expenses, including tuition, housing, and books. Notably, MPOWER does not require a co-signer, collateral, or a U.S. credit history, utilizing a proprietary credit algorithm that assesses future potential instead. Loans are structured as 10-year fixed-rate agreements, with repayments beginning six months after graduation. The company also offers additional support services, such as interest discounts, personal finance education courses, credit-building resources, and job placement assistance. By partnering with universities, MPOWER identifies potential loan candidates and directly disburses funds to educational institutions for tuition and related expenses.

Lend Street Financial

Debt Financing in 2018
Lend Street Financial, Inc. is a consumer lending company focused on assisting individuals in financial distress by providing solutions to refinance existing debt and rebuild their credit. Established in 2010 and headquartered in Oakland, California, the company operates in multiple states, including Arizona, Arkansas, California, Florida, Maryland, Massachusetts, Minnesota, Missouri, New Mexico, North Carolina, Oklahoma, Pennsylvania, and Texas. Lend Street Financial engages in negotiations with creditors to secure discounts on debts, which allows customers to reduce their financial burdens and achieve a fresh start. Through its partnerships within the financial sector, the company aims to facilitate debt relief, enabling clients to regain control of their financial futures.

Able Lending

Debt Financing in 2016
Able Lending, based in Austin, Texas, is a small business lender offering term loans, growth loans, and debt refinancing options. Its unique "Able Start" loan product enables businesses to access funding with support from friends, family, and fans, resulting in lower interest rates and significant savings. Able Lending aims to provide more than just loans, connecting entrepreneurs with additional capital, community resources, and expert advice to facilitate growth.

Dealstruck

Debt Financing in 2015
Dealstruck is an online direct lending firm based in Carlsbad, California, founded in 2012. It connects profitable small- and medium-sized businesses with accredited individual and institutional investors, offering flexible financial solutions such as term loans, lines of credit, equipment financing, and invoice financing. Dealstruck differentiates itself from traditional banks and high-cost alternative lenders by providing patient growth capital, allowing businesses the necessary time to strategize and achieve success. The company employs thorough credit screening for borrowers and empowers investors to select specific investments, enabling them to create customized portfolios based on their preferences for risk, return, industry, and business size.
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