Financial technologies

Financial technologies are strategies for cultivating vibrant, sustainable local economies and financing democratic development.

Life cycle costing

Options theory

Community banks, credit unions and other community development financial institutions (CDFIs)

Socially responsible investment funds

Local reinvestment funds

Energy Service Companies (ESCos) and Waste, water and energy service companies (WWESCos)

Value-latching

Future resident financing

Circle lending

Program Related Investment (PRI)

Mission Related Investment (MRI)

Patient capital

Public private partnerships

Local bonds

Community Benefit Agreements

Differentiation and sustainable competitive advantage

Micro-credit / Social accountability

The fortune at the bottom of the pyramid

Tax increment financing

Cross-subsidies and linkage

Deed restrictions

Community land trusts

Conservation easements

Democratic Development