1 ORGS · 16 ACTIVITIES ← all strategies ·
theory of action →

Repayment Tied to Savings

By structuring loan repayment around utility savings from energy-efficient upgrades, organizations enable sustainable business improvements, because aligning financial obligations with measurable cost reductions reduces risk and increases adoption of green technologies. This strategy leverages performance-based financing, where borrowers repay loans using the savings generated by the implemented upgrades, making investments accessible and low-risk. Unlike traditional lending or grants, this model ensures accountability and sustainability by directly linking repayment capacity to project outcomes, particularly benefiting small businesses with limited upfront capital.

1
orgs running it
16
activities of those orgs
6
clusters touched
who runs it

organizations running this strategy · 1

what it looks like in practice

activities of orgs running this strategy

A sample of programmatic activities from the orgs above. These are what the strategy looks like on the ground.

  • Business Capital Readiness and Financial Education GROWTH PARTNERS ARIZONA
    capacity building
    Offers a 7-week cohort-style program to help small businesses become capital ready, provides a Capital Compass Assessment to understand capital readiness, and hosts workshops to improve financial knowledge and business strength for local business owners.
  • Capital Readiness and Business Capacity Building GROWTH PARTNERS ARIZONA
    capacity building
    Operates a 7-week cohort-style program and hosts workshops to improve financial knowledge and business strength, helping entrepreneurs become capital-ready. Offers the Capital Compass Assessment to evaluate and guide business growth preparedness.
  • Direct Support and Technical Assistance to Clients GROWTH PARTNERS ARIZONA
    capacity building
    Provides over 700 hours of direct support and informal technical assistance to nearly 500 clients, with 92% in CDFI target markets, including support for rebranding strategies and underwriting.
  • Kiva Loan Facilitation GROWTH PARTNERS ARIZONA
    direct service
    Facilitates nearly $1 million in Kiva loans to almost 100 small businesses through the Kiva Tucson Hub.
  • Kiva Tucson Hub Facilitation GROWTH PARTNERS ARIZONA
    direct service
    Facilitated nearly $1 million in Kiva loans to nearly 100 small businesses through the Kiva Tucson Hub.
  • Managed Loan Fund Program GROWTH PARTNERS ARIZONA
    direct service
    Manages nearly $2.6 million in alternative and environmental lending through a Managed Loan Fund program in partnership with the City of Avondale, City of Tucson, and Cochise County.
  • Managed Loan Fund Programs GROWTH PARTNERS ARIZONA
    direct service
    Manages nearly $2.6 million in alternative and environmental lending through Managed Loan Fund programs in partnership with the City of Avondale, City of Tucson, and Cochise County.
  • Small Business Capital Readiness Programs GROWTH PARTNERS ARIZONA
    capacity building
    Operates a 7-week cohort-style program and offers a Capital Compass Assessment to help small businesses improve financial knowledge, understand their capital readiness, and prepare for growth.
  • Small Business and Nonprofit Lending GROWTH PARTNERS ARIZONA
    direct service
    Provides small business loans and growth-stage financing, including microloans, to small businesses and nonprofits in Arizona, with a focus on those facing barriers to traditional capital. Loans range from $10,000 to $35,000 with a fixed interest rate of 8.5%.
  • Small Business and Nonprofit Lending GROWTH PARTNERS ARIZONA
    direct service
    Provides small business loans, including microloans and growth-stage financing, to help businesses and nonprofits grow, hire, and create community impact. They have invested over $10 million in loans, delivered capital to 156 borrowers, and surpassed $2 million in outstanding loans in FY24.
  • Small Business and Nonprofit Lending GROWTH PARTNERS ARIZONA
    direct service
    Provides small business loans ranging from $10,000 to $35,000 through programs like the Spark Small Business Program and SPARK, offering flexible, character-based financing with an 8.5% fixed interest rate, 3% origination fee, and $11.00 filing fee. Has invested over $10 million in responsible lending to support small businesses and nonprofits in Arizona.
  • Spark Small Business Program GROWTH PARTNERS ARIZONA
    direct service
    Operates the Spark Small Business Program, a character-based lending program that provides flexible loans ranging from $10,000 to $35,000 and technical assistance to entrepreneurs, specifically supporting Avondale-based small businesses.
  • Support for Televerde Foundation PATHS Programs GROWTH PARTNERS ARIZONA
    capacity building
    Supports the Televerde Foundation PATHS programs, which provide training and employment opportunities for formerly and currently incarcerated women.
  • Support for Televerde Foundation PATHS programs GROWTH PARTNERS ARIZONA
    capacity building
    Supports the Televerde Foundation PATHS programs for formerly and currently incarcerated women, which has seen 650 women graduate with high employment rates and low recidivism.
  • Technical Assistance and Direct Support GROWTH PARTNERS ARIZONA
    direct service
    Provides over 700 hours of direct support and informal technical assistance to nearly 500 clients, primarily in CDFI target markets, to help them with their business needs and loan applications.
  • Technical Assistance and Strategic Support GROWTH PARTNERS ARIZONA
    direct service
    Provides technical assistance and strategic financing to entrepreneurs and nonprofits, including support for rebranding initiatives such as that of Catalina Council’s Scouting America.