Banks remain a major source of capital for CDFIs, providing loan participations, equity-equivalent investments, and credit facilities that expand lending capacity.
While total bank investment has grown, CDFIs have diversified funding sources over time, reducing reliance on any single capital source.
The CDFI industry has expanded significantly since the establishment of the CDFI Fund, though recent changes in certification rules have affected total counts.
Total CDFI assets declined slightly from approximately $460 billion to $446 billion between 2023 and 2025, reflecting broader market conditions and shifts in federal funding timing.