Habitat Mortgage Solutions

Habitat for Humanity

 

Fund that provides Habitat affiliates low-cost capital to fund the construction and sale of affordable homes built in part by their homeowners.

 

Min. Investment:

$100,000

Potential Return:

2%

Term:

5-year

 

Impact

Allow Habitat affiliates to complete projects nationally and offer subsidized mortgages to homeowners.

 

Beneficiaries

Low-income families

 

Focus

Economic relief and recovery

 

Geography

United States

Potential Funding Example

Short-term capital to bridge the sale from a large multi-unit development in a major metro area affected by COVID-19 to begin constructing a new large and affordable multi-family development.

 

Risk Considerations

Habitat affiliates reduce risk by securing lending against the mortgages on homes built, but there is a risk of capital lost.

MCE Capital - Recoverable grant

MCE Social Capital

 

Low-risk recoverable grant that funds MCE’s lending to microfinance institutions and small and growing businesses in 35+ emerging countries, backed by philanthropic guarantees.

 

Min. Investment:

$100,000

Potential Return:

1.75-2.75% depending

on tenure

Term:

3-5-7 year

 

Impact

Provide patient capital to support rural communities and small businesses disrupted by COVID-19.

 

Beneficiaries

Households and small businesses in rural communities

 

Focus

Economic relief and recovery

 

Geography

Emerging countries

Potential Funding Example

Working capital to fund 200,000+ smallholder farmers in Zambia through COMACO, a partner that provides training in sustainable agricultural practices.

 

Risk Considerations

Portfolio of $63M is backed by $143M in guarantees from accredited investors, materially reducing the risk of loss to note holders. Guarantors are essential in allowing MCE to continue expanding its portfolio in this time of need.

Waterequity Global Access Fund

Waterequity Global Access

 

Nonprofit fund that lends to microfinance institutions to fund water and sanitation projects in low-income communities, helping reduce the future spread of diseases.

 

Min. Investment:

$100,000

Potential Return:

Principal plus up to

estimated 8%

Fees:

2%

Term:

7-year +1 +1

 

Impact

Increase water access and sanitation, which are crucial for reducing the long-term spread of COVID-19 and other diseases.

 

Beneficiaries

Families and communities in developing countries

 

Focus

Healthcare outcomes

 

Geography

Developing countries

Potential Funding Example

Financing to a microfinance institution in Indonesia running a water and sanitation lending program, which in turn provides a $200 loan to a family to put a tap into their home.

 

Risk Considerations

While Water Equity has comprehensive underwriting criteria, lending to small businesses and families in emerging markets carries risk, which may result in not recovering grant capital.

Risk considerations of opportunities outlined in this sourcing report are provided for guidance only and may change with new information. All recoverable
grants and investments carry risk of capital loss, and this risk increases in a prolonged economic downturn caused by Covid-19. Please consult each issuer’s
detailed risk disclosures for more information on risks.

 

Disclosure: The above information does not constitute an offer to sell or a solicitation of an offer to purchase any security. Any such offer or solicitation
shall only be made pursuant to a definitive confidential offering memorandum, which will qualify in its entirety the information set forth herein and which
should be read carefully prior to investment for a description of the merits and risks involved. An investment entails a high degree of risk and no assurance
can be given that the investment objective will be achieved or that investors will receive a return of their capital.

 

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