Financial needs change as a business or project matures. Three Roots is aggregating multiple sources and types of capital into a broad continuum of financial tools to satisfy a variety of evolving financial needs.
Watch the video below to better understand this strategy.
Commercial Loans
Commercial loans are focused on impacting communities by creating jobs, delivering commercial goods & services, affordable housing, and supporting community facilities.
- Job Creating Small Businesses
- Placemaking Commercial Real Estate Projects
- Community Facilities
- Affordable Housing
- Rural Microloans
CLICK HERE if you want to request financing.
Click here for a PDF of our “Lending Overview & Referral Guide”
Equity Investments
Some companies aren’t ready for a loan or are otherwise a candidate for an equity investment. The Three Roots team has decades of experience with community development venture capital and private equity, as well as multiple pools of capital from which equity investments can be made.
The Three Roots Impact Fund: a dedicated source of investment capital targeted for earlier stage, “non-bank type” financing such as:
- Direct equity investments to support growth and expansion
- Subordinated or mezzanine debt investments to supplement an equity investment by providing the right type of capital at the time the impact can be the greatest
- Other creative equity-like structures and features when something other than a traditional, senior, secured loan is required
CLICK HERE if you want to request financing.
Three Roots Capital has partnered with Innova Memphis and Meritus Capital Management to create an evergreen, seed stage capital fund. Visit the Tennesseed Fund website here.
New Markets Tax Credit Projects
The New Markets Tax Credit (NMTC) program was designed to increase “access to capital” for businesses and real estate projects in low-income communities. This “equity like” tax credit investment “closes the gap” on fiscally challenging projects that might not otherwise happen. NMTC projects share the following attributes and goals:
- Federal Tax Credit
- Target Severely Distressed Communities
- Enables Projects Unsuitable for Traditional Financing
- Job Creation
- Critical Infrastructure
- Community Facilities
Community Development Services
Three Roots Capital’s philosophy is that access to capital requires a continuum and partnership approach, and community engagement is a core part of our mission and strategic goals. Part of our community development services include:
- Working with community partners to host and produce access to capital events
- Participation in entrepreneurship events
- Fundraising workshops
- Business pitch competitions
We also involve ourselves in longer term engagements with
- Regional universities
- Incubators
- Economic development groups
Business Coaching Services
Three Roots offers client companies guidance and support to help develop strategies, raise capital, and negotiate the inflection points of a company’s growth.
- One-on-one counseling
- Group financial workshops
- Online training resources
- Individual coaching on raising institutional equity
- Mentor relationships