Economic Equity

Together, we prosper.

We believe everyone deserves the opportunity to secure their financial future and build generational wealth, regardless of credit, collateral, or status. That’s why we flip the script on lending and work outside the traditional banking system that so often excludes our neighbors. We advocate for innovative approaches like Baby Bonds and Children’s Savings Accounts that support wealth-building from Day 1.

We say we invest in people, and in this case, we mean it literally.

Our Programs

Microloan Program

The Microloan Program flips the traditional lending model and bases lending on trusted relationships between partner organizations – such as nonprofits, community organizations, and educational institutions – and individuals in the communities they serve.

Through our program, we offer microloans based on applicants’ relationship with our organization, their character, and their personal or business goals.

While character-based, community circle micro-lending is not new, especially internationally; the practice of offering loans through member organizations versus a traditional banking institution is a largely untried model in the United States.

This program has been called “the alternative to the alternatives” - as it does not require credit, collateral, or status - and shifts the decision-making authority to community organizations, nonprofits, and institutions based on character and goals.

Through this collaborative partnership, PCA has facilitated over $200K in community lending, expanding our capacity to engage communities in power analysis and promote community-led solutions related to economic equity, stability, and growth.

 “It feels good that someone believes in you and trusts you enough to give you a low-interest loan. This opportunity helped my family get out of a loan with very high interest rates. We managed to stabilize with lower payments, and it took a great burden off our shoulders.

Being part of the member circle gives me the opportunity to learn more about opportunities to improve our finances.”

-Berenice Campos, PCA Leader and Facilitator

English Application

Spanish Application

Baby Bonds

Baby Bonds provide a “nest egg” or “seed fund” to children at birth, helping to ensure every child has the financial foundation to pursue wealth-building opportunities later in life.

This investment supports children when they begin their adult lives by providing the economic resources they need to build long-term economic security and generational wealth.

Following the lead of our partner organization, Prosperity Now, PCA supports the awareness and implementation of Baby Bonds at a federal, state, and local level to build greater economic equity for families.

Learn More About Baby Bonds

Social Enterprise Center

The Social Enterprise Center is a flexible space for local residents to come together to collaborate, to learn, to create – and to build a strong future for us all. It can grow and change alongside community needs, and it’s up to our neighbors to decide how it’s used.

We have hosted young-parent meet-ups and leadership training sessions and we’ve nurtured the dreams of budding entrepreneurs. Currently, the facility features a textile manufacturing space, an early learning center, a risograph studio, offices, and a community meeting area.

Learn More About The Social Enterprise Center