BECA employs a double bottom line investment strategy for all investments in the Community Investment Portfolio.  This strategy entails investing for market rate financial returns while simultaneously investing to produce measurable social impacts on underserved communities.

Our approach seeks to bridge the gap in community investment finance by bringing together investors and community finance practitioners in a way that is mutually beneficial to both parties.  Through senior investments, investors allow community practitioners to better leverage their own capital to produce more high performing community based mortgage loans.  Through community based mortgage loans, community practitioners allow investors to receive a market rate return and positive social return, all in a structure consistent with other fixed income or debt products.

Our approach also places credit standards and cash flow as primary considerations when evaluating an investment opportunity.   Multiple parties underwrite investments to the highest credit standards throughout the investment process.  Opportunities are then evaluated for financial return, ensuring that the investment’s return is comparable to other opportunities of similar structure, risk, and term.  Investments are equally evaluated for a positive social impact.   No investment will be made that cannot demonstrate a quantifiable impact on a targeted market