Skip to content
Great Rivers Community Trust at a glanceMostly funded, not a grantmaker: see who funds it →

· Community foundation

Great Rivers Community Trust

To support community development financial institutions (cdfis) through the creation and ongoing development of a secondary market for cdfi small business loans.

$684k
Granted FY2025still arriving
12
Grants FY2025still arriving
9
States reached
$196k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2021 to 2025.

Community Improvement$6.3MHousing & Shelter$50k
02FY2025 · 12 grants

Where the money goes

Grants by size, and the largest recipients.

By grant size · FY2025

  • Under $10k2 grants · $15k
  • $10k–50k5 grants · $111k
  • $50k–250k5 grants · $550k
$48,062
Median grant
9
States reached
$39M
Total assets
Largest grants
RecipientAmount
ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT$195,701
LIFT FUND$93,555
DREAMSPRING$91,328
ASCENDUS INC$85,862
ALLIES FOR COMMUNITY BUSINESS$83,881
THE CENTER BY LENDISTRY$48,062
TMC COMMUNITY CAPITAL$17,325
WORKING SOLUTIONS CDFI$17,233
LATINO ECONOMIC DEVELOPMENT CENTER$15,668
COMMUNITY ENTERPRISES INC$13,138
UTAH MICROLOAN FUND$9,866
JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION$5,302
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY23–25, $555k) land where the poverty rate runs at 10%, against an area that typically sits at 10%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 10%WORKING SOLUTIONS CDFI: $316k → 10%WORKING SOLUTIONS CDFI: $222k → 10%WORKING SOLUTIONS CDFI: $17k → 10%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.

Which US states its grants reach

MN
IL
NY
CA
UT
MO
AZ
NM
GA
TX
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

96%of every dollar goes to organizations it has funded before.
$6.1M · 12 repeat orgs$260k to everyone else

12 repeat relationships: 9 still active in FY2025, 3 since wound down; 3 grantees were first funded in FY2025 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

12
2

Total granted

$6.1M
$217k

Median revenue growth · since first grant

-16%
+73%

Still filing today

100%
100%

New vs renewed · share of each year

In FY2025, 94% of grant dollars renewed an existing relationship; $43k went to new ones.

50%100%’21’22’23’24’25
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’21’22’23’24’25
Community ImprovementHousing & ShelterHuman ServicesPublic BenefitOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • AO
    ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT
    4× · 2022–2025 · $2.2M · revenue +21%
  • A
    ACCESSITY
    2× · 2023–2024 · $480k · revenue +38%
  • CE
    COMMUNITY ENTERPRISES INC
    2× · 2024–2025 · $50k · revenue +4%

Funded once

  • RD
    RAZA DEVELOPMENT FUND INCgraduated
    one grant, 2024 · $159k · revenue +73%
  • PC
    PACIFIC COMMUNITY VENTURES INC
    one grant, 2024 · $58k · revenue 0%
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Fresno Community Development Financial Institution dba Access Plus Capital

Access plus capital is nonprofit small business lender and service provider with the mission to eliminate economic barriers to financial success through fair and equitable community investment.

Public Benefit
2
First Community Capital Inc

First Community Capital, Inc. (FCCI) is a certified Community Development Financial Institution (CDFI) dedicated to expanding access to affordable capital and technical assistance for small businesses and individuals, with a focus on low-…

Employment
3
Small Business Empowerment Fund Cdfi

A community development financial institution or community development finance institution - abbreviated in both cases to CDFI - is a financial institution that provides credit and financial services to underserved markets and populations,…

Community Improvement
4
Valley Small Business Development Corporation

Providing capital, management assistance and other financial resources, including loan services, personnel, and business education to small business entrepreneurs in economically disadvantaged areas, and thereby stimulating economic…

Community Improvement
5
Community Enterprise Development Services

Community enterprise development services' mission is to support the american dream of financial self-sufficiency, by assisting refugees, immigrants, and those from underserved communities in metro denver who desire to own or strengthen…

Human Services
6
Community Loan Fund of the Capital Region Inc

Community development financial institution that links socially concerned investors with community needs by making affordable housing, community and economic development loans to nonprofit orgs, small businesses and low/moderate income…

Housing & Shelter
7
Acc Capital Inc

Acc capital is a private nonprofit financial leader on a mission for economic change. we are dedicated to empowering entrepreneurs and uplifting communities with accessible loans, resources, and over 68 years of experience.

—
8
Access Community Capital

To provide low-cost loans to underserved small businesses encouraging community and economic development.

Community Improvement
9
The Enterprise Center Capital Corporation

The enterprise center capital corporation's mission is to provide debt and equity capital that businesses need to start, grow and succeed.

—
10
Colorado Enterprise Fund

To accelerate community prosperity by financing and supporting entrepreneurs and small businesses.

Community Improvement
11
Community Capital of Vermont

To help small businesses and lower income entrepreneurs prosper through the provision of flexible business financing.

Community Improvement
12
Dakota Business Lending

Dakota business lending is a small business resource that drives economic growth by:1. providing unique financing opportunities2. positively impacting the communities we serve3. educating and guiding small businesses4. building…

Community Improvement
How this is measured
The grantee most central to the portfolio’s shape is Accion Opportunity Fund Community Development; the most unlike its peers is Community Enterprises Inc. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

17 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
1
Early backer (in before they grew)
17/17
Grantees still filing
5/17
Grew since first funded

Where the money sits, by cause and then by grantee

ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT: $2,170,700 · Community ImprovementACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENTDREAMSPRING: $1,360,265 · Community ImprovementDREAMSPRINGLIFTFUND INC: $568,843 · Community ImprovementLIFTFUND INCACCESSITY: $480,309 · Community ImprovementACCESSITYASCENDUS INC: $260,601 · Community ImprovementMain Street Launch: $251,219 · Community ImprovementALLIES FOR COMMUNITY BUSINESS INC: $228,761 · Community Improvement+5 more: $395,510 · Community Improvement+5 moreWORKING SOLUTIONS CDFI: $555,323 · Human ServicesWORKING S…Justine Petersen Housing And Reinvestment Corporation: $49,988 · Housing & ShelterLatino Economic Development Center: $15,668 · Housing & ShelterCOMMUNITY ENTERPRISES INC: $49,698 · OtherUTAH MICROENTERPRISE LOAN FUND: $9,866 · Public Benefit
Community Improvement$5,716,208Human Services$555,323Housing & Shelter$65,656Other$49,698Public Benefit$9,866

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$10M$100Mgrantee revenue →↑ funder's share of their budgetACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT: $2,170,700 over 4y, 2.0% of budgetDREAMSPRING: $1,360,265 over 4y, 5.0% of budgetLIFTFUND INC: $568,843 over 4y, 1.0% of budgetWORKING SOLUTIONS CDFI: $555,323 over 3y, 4.7% of budgetACCESSITY: $480,309 over 2y, 4.0% of budgetASCENDUS INC: $260,601 over 4y, 0.8% of budgetMain Street Launch: $251,219 over 3y, 2.8% of budgetALLIES FOR COMMUNITY BUSINESS INC: $228,761 over 5y, 1.1% of budgetRAZA DEVELOPMENT FUND INC: $159,197 over 1y, 0.6% of budgetWOMENVENTURE: $102,163 over 3y, 1.0% of budgetThe Center for Strategic Economic Studies and Institutional Development: $58,633 over 2y, 0.0% of budgetPACIFIC COMMUNITY VENTURES INC: $58,192 over 1y, 0.4% of budgetJustine Petersen Housing And Reinvestment Corporation: $49,988 over 3y, 0.2% of budgetCOMMUNITY ENTERPRISES INC: $49,698 over 2y, 8.6% of budgetTMC COMMUNITY CAPITAL: $17,325 over 1y, 0.3% of budgetUTAH MICROENTERPRISE LOAN FUND: $9,866 over 1y, 0.6% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Opportunity Finance N…Wells Fargo FoundationCiti FoundationComerica Charitable F…Mufg Union Bank Found…Jpmorgan Chase Founda…WK Kellogg FoundationTides FoundationThe Gina Harman Famil…Western Alliance Comm…Local Initiatives Sup…Capital One Foundatio…
Opportunity Finance NetworkDC32.5× affinity13 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Opportunity Finance Network · Wells Fargo Foundation · Citi Foundation · Comerica Charitable Foundation · Mufg Union Bank Foundation Ag · Jpmorgan Chase Foundation · WK Kellogg Foundation · Tides Foundation · The Gina Harman Family Foundation Inc · Western Alliance Community Foundation · Local Initiatives Support Corporation · Capital One Foundation Inc

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Great Rivers Community Trust funds: left to right is the share of its income from government, bottom to top the share from Great Rivers Community Trust. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%1%3%6%10%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    3report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    typical government reliance, FY20–25
    How this is measured
    Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

    On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 17 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

    How this is measured
    Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

    Generated from the IRS Form 990 e-file return for fiscal year 2025, released 2025. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Source object · view filing

    Play a game based on Great Rivers’ filings →

    More from the funding graph

    The unnamed billions
    grants reported with no recipient in the public record
    The regranting layer
    51% of grant dollars land in the regranting layer
    The DAF merry-go-round
    $9.7B circulates between donor-advised funds
    The endowment market
    who holds foundation money, and what just moved
    The camps
    funders cluster by geography, not ideology
    By state
    where grant money is based, and what stays home