Our partner banks provide us the fuel that allows us to accomplish our mission. In exchange, we deliver value to them.
Preservation of Capital & Return-on-Investment
Three Roots Capital understands the necessity of evaluating risk, preserving capital, and generating a return on that capital. Three Roots works with each of our bank partners to understand their specific needs and goals. Watch the video below to see one of our partner banks discuss this topic.
- Bringing Three Roots’ relationships to bank partners
- Sourcing opportunities consistent with bank partner preferences
- Serving community needs with projects that are fiscally sound
CRA Credit
Three Roots delivers value to our bank partners in several different ways that are conducive to receiving CRA credit. Watch the video below to hear about some of the ways.
- Enhancing CRA credit
- Expansion of effective CRA assessment area
- Sourcing opportunities outside a bank’s direct market
Acquisition of New Customer Relationships, Deposit Accounts & Treasury Services
Three Roots Capital is not a depository lender. This means that every loan customer that we service is a potential new customer for our bank partner. Increasing customer deposits and additional services are added benefits that our bank partners receive when teaming with Three Roots Capital.
Syndication Participation Opportunities
Three Roots’ project profile focuses on impacting communities through job creation, placemaking facilities and community facilities. Sometimes a project is more difficult to finance because it’s larger and requires more capital than a single bank might want to lend alone. This is where Three Roots’ ability to syndicate the project among two or more banks enables our bank partners to participate in projects that they typically would not be able to and receive the benefits of doing so. Hear about this benefit in the following video from one of our bank partners.
- Multiple Bank partners facilitate efficient syndications
- Large community projects enabled through syndication
- Bank partners gain exposure to more projects
Access to State & Federal Tax Incentive Programs
As a certified CDFI and CDE (Community Development Entity), Three Roots can help our bank partners access various state and federal tax benefits. Some of the value add includes
- Staff expertise in structuring complex tax program projects
- Direct financing leveraging multiple tax incentives
- Ongoing investment in resources and training related to multiple tax incentives
- Bank partner opportunities to participate in large, tax incentive project
Contact Us
If you are a bank interested in exploring a collaboration with Three Roots Capital, we would love to meet you. Please reach out to us by contacting:
Dennis Corley,
Director, Lending and Investing
(865) 220-1713