Capital & Economic Development

CDFIs, economic development corporations, bank CRA officers, and anchor institutions like hospitals and universities. See where lending and investment already concentrate, and where a tract has nobody at all.

We Build Models for
Capital
Networks

To Route Resources (Capital, Partnerships, & Information) more Efficiently

By
1

Map the Network

  1. HMDA and CRA lending by tract
  2. CDFI Fund awards and NMTC allocatees
  3. CEDS project lists and district boundaries
  4. Anchor procurement spend by vendor
  5. Branch presence from FDIC deposit data
2

Find the Gaps

  1. Tracts with no lender and no CDFI
  2. Borrowers nobody is underwriting
  3. A CRA obligation with no counterparty
  4. Anchor spend leaking out of region
  5. CEDS projects with no capital stack
3

Close the Gaps

  1. Match the CDFI to the bare tract
  2. Turn the CRA obligation into a term sheet
  3. Route the purchase order to a local supplier
  4. Stand up the fund where none exists
ConnectFull product flowConnect to use product
Coordination Fails From:
  1. 1Siloed information — the bank, the CDFI, the SBDC and the chamber each hold a partial pipeline
  2. 2Complexity exceeds bandwidth — one CRA officer covering hundreds of tracts
  3. 3Incentives reward fragmentation — credit goes to whoever closes, not whoever assembled
  4. 4Trust doesn't scale — underwriting a stranger costs more than saying no
  5. 5Self-oriented entities — each lender treats its pipeline as proprietary
Ryndel SimulateModeling multi-agent networks to generalize fixing of inefficiencies across any networks
0.00%Simulations Prediction Quality(from data before studies were published)

Model Prediction Quality Simulations

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