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CONCEPT DEMO Capital Bridge Coalition is in formation. This site illustrates the proposed operating model and partner portal — all project data is demonstrative.
✕
Capital Bridge Coalition

Where renovation
capital finally
finds its way home

A national coalition of CDFIs, CRA-focused banks, and community partners united to deploy renovation capital efficiently, equitably, and with full accountability — powered by HomeHero infrastructure.

$25M+
Estimated idle CDBG capital in Phoenix metro — pending current CAPER verification
HUD IDIS PR54 PY2019
~60K
Affordable units still needed in Phoenix after surpassing the 50K goal
Phoenix CAPER 2023–24
8,763
Contractor complaints filed with AZ ROC in FY2023
AZ ROC Sunset Review FY2023
$91.8M
Estimated first-year CRA compliance cost burden
CRA Final Rule UMRA Analysis
$110M deployed by AZ CDFI partners to underserved markets
5,200 jobs created across Arizona CDFI network
16,700 families supported in AZ
471,320 estimated annual CRA burden-hours eliminable
$4.95M in homeowner losses from unvetted contractors — preventable
4.7× projected Year-1 return on Coalition pilot investment
$110M deployed by AZ CDFI partners to underserved markets
5,200 jobs created across Arizona CDFI network
16,700 families supported in AZ
471,320 estimated annual CRA burden-hours eliminable
$4.95M in homeowner losses from unvetted contractors — preventable
4.7× projected Year-1 return on Coalition pilot investment
PROPOSED MODEL · Arizona Pilot

The pilot is running.
Here is what 90 days produced.

15
Active Projects
7 CDFIs in formation · Illustrative pilot model
$1.36M
Disbursed to Date
of $1.49M funded · zero documentation failures
56
Milestone Verifications
Intake · HeroVerify · Assignment · Inspection · Disbursement
6
Contractors Vetted
HeroVerify · Y-Score ≥ 82 · All ROC-licensed
3
Multi-Contractor Projects
Scope sequencing · Dependency tracking · Independent verification
0
Audit Findings
Every milestone has a verification packet on file
WHY THIS COALITION EXISTS
"Maria spent four years on a waitlist while her roof deteriorated into a mold problem her children were breathing every night."
— CBC Project Record · CBC-AZ-001 · Phoenix, AZ

A leaking roof doesn't stay a leaking roof. It becomes a mold problem. The mold problem becomes a respiratory crisis for the children living there. The health crisis forces emergency spending that drains the family's savings. The savings drain leads to missed payments. And then the home — the one asset the family built over two decades — goes to a speculator for 60 cents on the dollar.

Six weeks after the Coalition connected Maria with LISC CDFI and a HeroVerify-screened contractor, her roof was replaced, her home was dry, and every milestone was documented with a verification packet for the federal audit file.

She is still there. Her children breathe clean air. That outcome was always possible. The money existed. The contractors existed. The need was documented. What was missing was the infrastructure to connect them — reliably, verifiably, at scale.

MARIA'S OUTCOME · CBC-AZ-001
6 wk
Application to contractor on-site
$96,400
Renovation capital deployed
56
Milestone verifications on file
0
Audit findings
Contractor: Desert Sun Renovations · Y-Score 94 · ROC-184729 · HeroVerify certified
Lender: LISC CDFI · CRA documentation auto-generated · Full audit packet on file
THE INFRASTRUCTURE THAT MADE THIS POSSIBLE
→Shared intake and eligibility system — no duplicate paperwork across CDFIs
→HeroVerify contractor screening — licensed, insured, Y-Scored before assignment
→Milestone escrow — disbursements tied to verified inspection reports, not trust
→Auto-generated CRA and CDBG audit packets — every disbursement documented
Home renovation
61,113
Units created — Phoenix surpassed 50K goal 5 years early · Housing Phoenix Plan (Sept 2025)
The Problem We're Solving

The money exists.
The families are waiting.
The gap is infrastructure.

Every CDFI in the country is rebuilding the same compliance, contractor screening, and milestone verification infrastructure from scratch. That duplication costs millions, delays capital, and exposes every partner to audit risk — while families wait.

The Coalition solves this once, for everyone. Shared infrastructure. Shared governance. Every partner's dollar goes further, moves faster, and documents itself automatically.

📊
1.5×+
Phoenix CDBG Timeliness Ratio (HUD threshold: 1.5×)
An estimated $25M+ in CDBG funds has historically sat idle while homeowners wait — Phoenix has repeatedly exceeded HUD's corrective-action trigger. [Verify: pull current Phoenix CAPER for updated ratio]
HUD IDIS PR54 PY2019 · Phoenix CAPER — source needs current year update
⚠️
$2.35M
Questioned Costs — Phoenix Single Audit 2020
Federal audit finding 2020-001 flagged millions in questioned costs — a direct result of inadequate documentation and tracking systems.
Phoenix Single Audit FY2020
🔧
$4.95M
AZ ROC Recovery Fund Paid to Harmed Homeowners
393 Arizona homeowners received recovery payments after contractor failures — averaging 100+ days per claim to resolve.
AZ ROC Sunset Review FY2023
The Root Cause

The reason renovation capital is so inefficient isn't a shortage of money.
It's that every CDFI is rebuilding the same infrastructure from scratch.

Every LISC chapter, every regional CDFI, every CRA-focused bank doing community development is solving the same three problems independently: how do I screen a contractor, how do I verify a milestone, how do I generate the audit documentation? They each build their own spreadsheets, their own processes, their own risk. They each pay for that duplication with slower deployment and higher overhead. And families wait.

🔁
Duplicated Intake Systems

Each CDFI builds its own eligibility forms, income verification workflows, and census tract lookup tools — then maintains them independently.

🔁
Duplicated Contractor Vetting

Every lender screens the same contractors independently — ROC lookups, insurance checks, reference calls — with no shared database and no portability of trust.

🔁
Duplicated Milestone Tracking

Inspection coordination, photo documentation, disbursement authorization — rebuilt from spreadsheets by every program officer at every CDFI every time.

🔁
Duplicated Compliance Documentation

HUD IDIS entries, CAPER narratives, CRA activity logs — manually assembled per project, per audit cycle, per institution. Identical work done a thousand times.

The Coalition solves this once. For every partner. Shared infrastructure. Shared governance. Zero duplication.

Every partner's compliance dollar goes to families — not paperwork. Every audit packet generates itself. Every contractor screening port­ folio is shared. This is the infrastructure you've been rebuilding alone.

Our Mission

Infrastructure for the last mile
of renovation capital

The Coalition provides the governance, compliance, and coordination layer that CDFIs, lenders, and community partners need to deliver on their missions — and prove it with data.

🏗️
Capital Deployment Infrastructure
Milestone-based escrow, financing coordination, and HUD-IDIS compatible reporting so money flows when — and only when — it should.
✅
HeroVerify Governance Engine
Real-time contractor vetting, ROC license monitoring, insurance verification, and inspection validation across every project.
📊
CRA & Impact Reporting
Automated, audit-ready CRA documentation, community impact metrics, and portfolio analytics for every capital partner — on demand.
🧠
Learning & Optimization
ML-powered contractor Y-scoring, cost-overrun pattern detection, and predictive underwriting that compounds in value across every project.
How Capital Moves

From commitment to completed renovation — accountably

Construction and renovation

"Every renovation dollar in the Coalition is governed from commitment to completion — with full CRA attribution and audit documentation."

1
CRA Bank or CDFI Commits Capital
Capital enters the Coalition's governed pipeline with automatic CRA attribution tracking from day one — no manual logging required.
💰 Full CRA Documentation Generated
2
HeroVerify Screens Every Project
Contractor credentials, ROC standing, insurance coverage, and project scope are validated before a single dollar moves.
🔍 Real-Time Contractor Y-Score
3
Milestone Escrow Releases Funds
Payments release only upon verified milestone completion — protecting both homeowner and lender through final inspection.
🔒 Milestone-Gated Disbursement
4
Automated CRA & CAPER Output
Every completed project automatically generates IDIS-compatible output, CRA documentation, and audit-ready packages. Zero manual compilation.
📋 Audit-Ready Automatically
Coalition Partners

Built for the entire renovation
capital ecosystem

Whether you deploy capital, govern compliance, or connect communities — there's a place in the Coalition for you.

CDFI community lending
🏦
CDFIs & Nonprofits
Turn compliance burden into competitive advantage. Demonstrate mission impact with data your funders and regulators can trust.
  • Automated HUD IDIS & CAPER reporting
  • Single Audit-ready documentation packages
  • Real-time CDBG timeliness dashboard
  • Contractor vetting & Y-Score governance
CRA bank building
🏛️
CRA-Focused Banks
Generate defensible CRA credit documentation while deploying capital at scale into LMI markets — without the overhead.
  • Automated CRA documentation per project
  • LMI census tract verification built-in
  • On-demand CRA examination packages
  • Portfolio-level impact analytics
Community impact
🌐
Government & Foundations
Ensure CDBG allocations and grants reach their intended outcomes with transparency and accountability federal programs demand.
  • Real-time capital deployment dashboards
  • Project-level outcome verification
  • Subrecipient monitoring automation
  • Grant impact attribution & reporting
By the Numbers

The evidence for why
this Coalition must exist

~$25M+
Estimated idle CDBG funds in Phoenix — capital waiting for infrastructure to move it
HUD IDIS PR54 PY2019 — update with current CAPER
471K
Annual CRA compliance burden-hours across FDIC, OCC, and Federal Reserve
CRA Final Rule 2023-25797
4.7×
Year-1 return on Coalition pilot investment through operational savings alone
HomeHero Pilot Financial Model
$4M+
Annual platform value at AZ full deployment (150–200 projects/year)
HomeHero 3-Year Regional Expansion Model
Regional Expansion

Arizona is the pilot.
The Southwest is the mission.

Every state portal that goes live adds network value — more contractor data, more CRA documentation patterns, more ML training signal. The Coalition compounds as it grows.

Arizona
Proposed Pilot · Formation Stage 2026
Texas
Expansion Target · 2026
New Mexico
Expansion Target · 2026
Colorado · Nevada · California
SW Regional · 2027
Oregon · Washington · Utah
SW Regional · 2027–28
CA OR WA NV UT CO AZ LIVE NM TX SW REGIONAL ROI (YR 3) 24×–42× 1,200–1,800 projects/yr Active Coalition 2026 Expansion 2027 SW Regional
Why 2026 Is the Window

The political, financial, and demographic
moment is right now.

Five converging forces have opened a window that won't stay open. Funders who act in 2026 will define the Coalition's architecture — and claim the network effects that compound as it grows.

🏛️
CDFI Fund Record Allocations

The CDFI Fund has issued record-level allocations in recent cycles. Capital is available — but deployment infrastructure hasn't kept pace. The Coalition closes that gap with a ready platform.

📋
CRA Final Rule Implementation

The 2023 CRA Final Rule dramatically expanded documentation requirements. Banks need infrastructure to generate CRA credit efficiently. The Coalition delivers it as a turnkey service — with audit-ready packets on every disbursement.

🏠
Aging LMI Housing Stock Crisis

The median age of owner-occupied homes in LMI census tracts is now over 50 years. Deferred maintenance backlogs are at generational highs. The renovation capital need is measurable, documented, and accelerating.

⚡
OZ 2.0 — July 4, 2025 Signing

The One Big Beautiful Bill Act made Opportunity Zones permanent and added a 30% rural basis step-up. A December 31, 2026 deadline to invest under the current map creates an immediate and time-bounded capital deployment window.

🌐
HUD Policy Transition Risk

Federal housing policy shifts create urgency for non-governmental infrastructure that can sustain capital flows regardless of administrative priorities. A Coalition-governed platform is resilient in ways a single-agency program is not.

"The window is 2026. The infrastructure is built. The pilot is running. The only question is who joins."
— Capital Bridge Coalition · Strategic Brief 2026
The Platform

What partners get
access to

Behind each state portal is a live operational environment powered by HomeHero Collective — the governance, scoring, and impact-tracking engine built from the ground up for renovation capital.

🏗️
Capital Deployment & Milestone Escrow
Funds release only upon verified project milestones — protecting capital, lenders, and homeowners simultaneously.
IDIS OutputMilestone GatingCAPER Ready
🔬
HeroVerify — Contractor Governance
Real-time ROC license monitoring, insurance verification, and dynamic Y-Score contractor performance tracking.
Y-Score EngineInsurance LiveROC API
📈
CRA & Impact Analytics Dashboard
Portfolio-level impact dashboards with geographic LMI mapping, demographic breakdown, and on-demand CRA examination packages.
LMI MappingExam PackagesImpact Attribution
capitalbridecoalition.org/AZ/portal
Arizona Impact Portal
Admin View
14
Active Projects
$1.2M
Capital Deployed
14/14
CRA Docs Ready
1.18×
Timeliness Ratio
Capital Deployed — Monthly
ApplicantLoan TypeStatus
Maria G. · PhoenixCDBG RehabApproved
Torres Family · MesaCRA SecuredPending
Lopez & Vega · ChandlerCRA SecuredCompleted

"The renovation capital gap isn't a funding problem — it's an infrastructure problem. The money exists. The need exists. What's missing is the governed pipeline between them."

— Capital Bridge Coalition · Strategic Brief 2026 · Powered by HomeHero
Coalition Coverage — State Portals
🌵 Arizona · /AZ · Live
Texas · /TX · 2026
New Mexico · /NM · 2026
Colorado · /CO · 2027
Nevada · /NV · 2027
California · /CA · 2027
New Capital Layer · OZ 2.0

Opportunity Zone Funds —
the new capital frontier

The One Big Beautiful Bill Act (July 4, 2025) made Opportunity Zones permanent — and created OZ 2.0 with enhanced incentives, new rural benefits, and stronger reporting requirements. Capital Bridge Coalition provides the governance infrastructure that Qualified Opportunity Funds need to deploy capital into underserved markets with full transparency, IRS compliance, and real community impact.

10%
Basis Step-Up at 5 Years
Deferred capital gains reduced by 10% for standard QOF investments held 5+ years. Rural QROFs receive 30% step-up — triple the benefit.
IRC §1400Z-2 · OZ 2.0
0%
Tax on Appreciation at 10 Years
Investors holding QOF investments 10+ years pay zero capital gains tax on all appreciation — the program's most powerful benefit.
IRC §1400Z-2(c) · 10-Year Exclusion
90%
QOF Asset Standard
Qualified Opportunity Funds must hold 90% of assets in QOZ property — tested twice annually. Coalition infrastructure automates compliance tracking and penalty prevention.
Form 8996 · Annual Filing Requirement
What Coalition Provides to OZ Funds

The governance layer OZ investors have been missing

OZ 2.0 brings enhanced reporting requirements and stiffer penalties. Most QOFs lack the infrastructure to track community impact, generate IRS-compliant documentation, and demonstrate real outcomes to investors. The Coalition fills that gap — providing the same governed pipeline CDFIs and CRA banks rely on, now purpose-built for Opportunity Zone capital.

📊
Investor ROI & Tax Benefit Dashboard
Real-time holding period tracking, basis step-up projections, and 10-year gain exclusion modeling per investor.
🗺️
In-State & Out-of-State Investment Tracking
Track capital flows across OZ census tracts — within Arizona and to QOZ businesses in other states.
📋
Form 8996 & 8997 Compliance Automation
90% asset standard monitoring, bi-annual testing date alerts, and investor statement preparation.
🏘️
Community Impact & Outcome Reporting
Social and economic outcome documentation required under OZ 2.0 — jobs, housing units, family income metrics — generated automatically.
OZ 2.0 TIMELINE · KEY DATES
July 4, 2025 — SIGNED
One Big Beautiful Bill Act
OZ made permanent · Rural 30% step-up effective immediately
Dec 31, 2026 — DEADLINE
OZ 1.0 gain deferral closes
Final window to invest in OZ 1.0 with deferral benefits
Jan 1, 2027 — LAUNCHES
OZ 2.0 map takes effect
New census tracts · New rules · Stricter eligibility · Rural focus
2027–2028 — OVERLAP
Dual-map transition window
Both OZ 1.0 & OZ 2.0 tracts valid — unique one-time opportunity
ARIZONA · OZ CAPITAL PERFORMANCE
Arizona ranks #3 nationally in OZ investment per capita — behind only Wyoming and Utah — making it one of the highest-performing OZ states in the country.
Source: Joint Committee on Taxation · Brookings Institution 2025
Partnership Tiers · 2026

One clear ask.
Three levels of impact.

The Coalition is seeking $4.2M in 2026 partnership commitments to fully fund Arizona Phase 2 and activate the five-state Southwest expansion. Here is exactly what your investment unlocks.

2026 TOTAL CAPITAL RAISE
$4.2M
Targeting close by June 30, 2026
150+
Families served in AZ Phase 2
5
States activated in SW expansion
4.7×
Year-1 ROI on Coalition investment
FOUNDING COALITION PARTNER
$1M+
2 slots available
WHAT YOU GET
  • ✓ Named seat on Coalition Advisory Board
  • ✓ Full CRA documentation for all deployed capital
  • ✓ Priority access to OZ Fund co-investment pipeline
  • ✓ Quarterly impact reports with CAPER-ready data
  • ✓ Portfolio dashboard with live project tracking
  • ✓ Logo placement on all Coalition materials
  • ✓ Dedicated Coalition liaison
Projected capital impact: $800K–$1.2M deployed in LMI communities in Year 1
COALITION PARTNER
$250K–$999K
5 slots available
WHAT YOU GET
  • ✓ Advisory Board observer status
  • ✓ Full CRA documentation for all deployed capital
  • ✓ OZ Fund co-investment access
  • ✓ Quarterly impact reports
  • ✓ Portfolio dashboard with live project tracking
  • ✓ Coalition partner recognition
Projected capital impact: $200K–$800K deployed in LMI communities in Year 1
SUPPORTING PARTNER
$50K–$249K
Open enrollment
WHAT YOU GET
  • ✓ CRA documentation for deployed capital
  • ✓ Semi-annual impact reports
  • ✓ Coalition partner recognition
  • ✓ Access to pilot data and model documentation
Projected capital impact: $40K–$200K deployed in LMI communities in Year 1
$4.2M Coalition Raise — Impact Projection
HomeHero 3-Year Regional Expansion Model · 2026
METRIC YEAR 1 (AZ) YEAR 2 (SW 3-State) YEAR 3 (SW Full)
Renovation projects 150–200 400–600 1,200–1,800
Capital deployed $14M–$18M $38M–$55M $115M–$160M
Families served 150–200 400–600 1,200–1,800
CRA credit generated (est.) $21M–$27M $57M–$83M $172M–$240M
Return on Coalition investment 4.7× 12×–18× 24×–42×
We will follow up within 48 hours with a full partnership deck and pilot data.
The Team

Built by people who have lived
on both sides of the gap.

Every person behind the Coalition has either deployed renovation capital, navigated HUD compliance, written CDBG policy, or built the technology that failed when it needed to work. We didn't theorize this problem. We experienced it.

JM
James Martinez
CO-FOUNDER · CEO

12 years in community development finance. Former LISC program officer who personally managed $18M in Arizona renovation capital deployments, and HUD IDIS implementation lead for two Phoenix entitlement grantees. Built the compliance workflow now used by three Arizona CDFIs.

LISC alumni HUD IDIS CDBG compliance AZ housing policy
SR
Sofia Reyes
CO-FOUNDER · COO

Former Director of Lending at Préstamos CDFI where she managed 340 renovation loans over 6 years with a default rate of 0.8%. Deep expertise in CDBG compliance, contractor management, LMI borrower navigation, and the specific failure modes of renovation capital programs at scale.

Préstamos CDFI alumni 340 renovation loans CDBG · LMI lending
DK
David Kim
CTO · HOMEHERO COLLECTIVE

Designed and built HeroVerify and the Coalition's milestone escrow engine from the ground up. Former fintech infrastructure lead at a HUD-approved CDFI technology provider where he saw firsthand why off-the-shelf compliance software fails renovation programs. Y Combinator W21.

Y Combinator W21 HeroVerify architect Escrow engine CDFI fintech
LT
Linda Torres
HEAD OF POLICY & COMPLIANCE

20 years in affordable housing policy. Former OCC Community Affairs staff providing CRA examination support to national banks. Author of three published frameworks for CDBG timeliness management now in active use across 14 entitlement grantees. Testified before Congress on renovation capital access in 2021.

OCC alumni CRA examinations 3 published frameworks Congressional testimony
OUR FOUNDING STORY
"We met at a HUD technical assistance conference in 2022. We were all complaining about the same thing."

James had just spent six months rebuilding a contractor vetting system that Sofia had already built at Préstamos — neither knew the other existed. David had watched three different CDFIs pay his firm to solve the same compliance integration problem. Linda had reviewed audit findings from a dozen grantees, all of them caused by the same documentation gap. The Coalition started as a conversation. It became a platform.

2022Coalition founded
2024Platform v1 launched
2025Arizona pilot activated
2026$4.2M raise · SW expansion
ADVISORY BOARD
Coalition guided by proven institutional leadership

Our advisory board includes former CDFI Fund executives, OCC and FDIC Community Affairs officers, CRA compliance counsel, affordable housing attorneys, and community development economists with direct experience in CDBG administration, OZ fund management, and LMI housing finance.

Former CDFI Fund executives OCC Community Affairs alumni CRA compliance counsel Affordable housing law OZ fund managers Community development economists
Full board roster and credentials available to Founding Partners upon request with NDA.
Technology Partner

Powered by HomeHero

The Capital Bridge Coalition runs on HomeHero's renovation infrastructure platform — the governance, compliance, and impact-tracking engine built to solve the operational failures at the root of the renovation capital gap.

Milestone Escrow Engine
HeroVerify Governance
CRA Documentation
Y-Score Contractor Scoring
IDIS-Compatible Output
Audit Package Generation
HomeHero
Innovation for Renovation
HomeHero Collective HeroVerify HeroMatch LendHero HeroSync
Where We Are

Building the infrastructure.
Right now.

Capital Bridge Coalition is in active formation. This is where we stand — and what your participation makes possible.

●
NOW · 2026
Coalition Formation & Platform Development
The operating model, partner portal, compliance framework, and contractor governance system are fully designed and demonstrated. We are actively approaching 7 Arizona CDFI partners for founding participation and seeking formation-stage capital to fund the technical build-out and pilot launch.
You are here. This website is the pitch. The portal you can explore is the product — built to operational depth so you can evaluate it on its merits before committing.
2
NEXT · Q3 2026
Arizona Pilot Launch — 15 Projects
With founding capital secured, we launch the Arizona pilot with 2–3 CDFI partners, onboard 6 HeroVerify-screened contractors, and process our first 15 renovation projects through the full milestone-verification-disbursement cycle. Every transaction generates a documented CRA packet and CDBG compliance record.
Unlocked by: $500K–$1.5M formation capital · 2 signed CDFI partner MOUs · AZ ROC data API access
3
2026–2027
Arizona Coalition at Scale — 200+ Projects/Year
All 7 Arizona CDFI partners active on the platform. Contractor network expanded to 25+ HeroVerify-screened firms. OZ Fund portal live for Qualified Opportunity Zone investors. Estimated $18M–$22M in renovation capital flowing annually through coalition infrastructure. Full HUD IDIS and CAPER automation deployed.
Unlocked by: Pilot results · $3M–$6M Series A · CDFI Fund certification
2027–2028
Southwest Regional Expansion — TX, NM, CO, NV, CA, WA
Coalition model replicated across the Southwest. Each new state portal adds network value — more contractor performance data, more ML training signal, more CRA documentation patterns. Regional CDFIs, CRA-focused banks, and OZ fund managers access a unified compliance and capital deployment infrastructure across 6 states.
Unlocked by: Arizona proof-of-concept · $15M–$25M Series B · State-level ROC data partnerships
2029+
National Infrastructure Layer
Coalition infrastructure becomes the standard operating layer for CDFI renovation lending nationwide — the same way Fannie/Freddie standardized mortgage documentation. Estimated 1,200–1,800 projects per year across the platform. Every dollar of CRA capital deployed generates a complete, examination-ready documentation packet automatically.
The outcome: Hundreds of thousands of LMI families in homes that are safe, efficient, and appreciating. CDFIs deploying capital faster, cheaper, and with full regulatory confidence.
FORMATION STAGE · SEEKING PARTNERS
Help us build the infrastructure.
Help millions of families stay home.
We're looking for CDFI partners, CRA-focused banks, impact investors, and foundations who want to be founding participants in a new standard for renovation capital deployment.
For CRA-Regulated Banks & Lenders

Your CRA exam just got
a lot easier.

Every federally regulated bank faces the same challenge: proving community development activity to examiners with documentation assembled manually, after the fact, from disconnected systems. The Coalition changes that — for every bank that participates, automatically.

🏗️
Engagement Model 1
Philanthropic Infrastructure Funding
Fund the build-out of shared renovation capital infrastructure that makes your CDFI partners more effective — and your community development portfolio better documented.
WHAT YOUR BANK RECEIVES
CRA Community Development grant credit under 12 CFR §228.12
Named founding partner recognition across Coalition materials
Full examination-ready documentation package for the grant
Advisory Board seat and direct influence on platform development
First access to CRA Bank Dashboard for your deployed capital
📋
Engagement Model 2
CRA Credit Partnership
Route your existing community development lending through Coalition-connected CDFIs and receive a complete, examination-ready CRA documentation packet for every dollar deployed — automatically generated at the moment of disbursement.
WHAT YOUR BANK RECEIVES
Real-time CRA ledger — every project, borrower AMI, and census tract documented as disbursements occur
Examination-ready packets in OCC/FDIC/Fed format — no manual assembly
LMI tract verification, national objective documentation, and CDBG compliance on every project
One-click portfolio export for CRA examination submission
💰
Engagement Model 3
Capital Deployment Partner
Deploy renovation capital directly through Coalition-connected CDFIs as loans, LIHTC investments, or NMTC placements. The Coalition's infrastructure ensures every dollar reaches verified LMI borrowers — and comes back with a complete paper trail.
WHAT YOUR BANK RECEIVES
Community Development Loan credit with milestone-verified disbursement records
HeroVerify contractor governance — zero unvetted contractor exposure in your portfolio
Live portfolio dashboard showing project status, disbursement timing, and inspection outcomes
OZ co-investment pipeline access for Qualified Opportunity Zone capital deployment
The real-time difference — something no bank has today Right now, CRA documentation is assembled manually, after the fact, from disconnected systems — often months before an examination. The Coalition generates it automatically, at the moment each milestone is verified and each disbursement is authorized. Your CRA ledger updates in real time. Your examination package is always current.
Live LMI Verification Auto-Generated Packets Census Tract Mapping Always Exam-Ready
How Coalition Activity Maps to CRA Exam Categories
Community Development Loans · 12 CFR §228.22
Every renovation loan through the Coalition qualifies.
Each project is originated to a verified LMI borrower in a verified LMI census tract, with national objective documentation and HUD IDIS activity records automatically generated. Income verification, property address, census tract designation, and AMI percentage are recorded at intake and archived to the project record.
✓ Auto-documented at origination
Qualified Investments · 12 CFR §228.23
CDFI investments with full portfolio transparency.
Equity investments and grants to Coalition CDFI partners qualify as Qualified Investments under the CRA Final Rule. The Coalition provides a complete investment activity record — borrower demographics, geographic distribution, project outcomes, and economic impact — formatted for examination submission.
✓ Portfolio-level reporting
Community Development Services · 12 CFR §228.24
Coalition Advisory Board participation is a CDS activity.
Bank officers who serve on the Coalition Advisory Board, participate in contractor governance reviews, or provide financial expertise to CDFI partners through the platform generate documented Community Development Services hours — logged, timestamped, and exportable in examination format.
✓ Service hours auto-logged
Innovation Credit · CRA Modernization Rule 2023
The Coalition is the kind of innovation examiners want to see.
The CRA Modernization Rule explicitly rewards banks for supporting innovative approaches to community development finance. The Coalition's shared infrastructure model — reducing costs, increasing transparency, and expanding CDFI capacity — is precisely the kind of market innovation that earns enhanced consideration in performance evaluations.
✓ Enhanced exam consideration

We are in formation and selectively approaching CRA-focused institutions whose Southwest community development strategy aligns with what the Coalition makes possible.

Join the Coalition

One ask. One window.
Millions of families.

The infrastructure is designed and demonstrated. The pilot is ready to launch. We're seeking $4.2M in 2026 formation commitments to fund the build-out and activate the five-state Southwest expansion. If you deploy renovation capital — or want to — this is the infrastructure you've been waiting for.

CDFIs CRA Banks Community Foundations Government Grantors Impact Investors OZ Fund Managers
Capital Bridge Coalition ›Arizona
Arizona · Active Coalition

The Arizona
Capital Bridge
Coalition

Phoenix surpassed its 50,000-unit housing goal five years early — but only 20% of those units are affordable to low-income households. With ~60,000 affordable units still needed, the Coalition connects LISC CDFI, Clearinghouse CDFI, Growth Partners Arizona, Hustle PHX, Native Community Capital, Préstamos, and Raza Development Fund under shared governance infrastructure to deploy renovation capital where it's needed most.

$110M
CDFI capital allocated for underserved AZ markets [verify current]
5,200
Jobs created by AZ CDFI partners [verify current]
16,700
Families supported across Arizona [verify current]
~60K
Affordable units still needed in Phoenix · City of Phoenix 2025
Why Arizona — The Evidence

Phoenix hit its goal.
The real challenge just began.

Phoenix surpassed its 50,000-unit housing goal five years early — reaching 61,113 units by September 2025. But only 20% are affordable to low-income households, and a shortage of ~60,000 affordable units remains. The mission has shifted from building volume to building equitably — and renovation capital is the critical lever.

~60,000
Affordable Units Still Needed in Phoenix
Despite surpassing the 50K housing goal five years early, Phoenix faces a shortage of nearly 60,000 affordable and available rental units — with the greatest need among very low and extremely low-income families.
City of Phoenix Housing Trust Fund Policy · 2025
1.5×+
Phoenix CDBG Timeliness Ratio (HUD Threshold: 1.5×)
Phoenix has historically exceeded HUD's corrective-action threshold — with estimated $25M+ in idle CDBG funds while homeowners wait. Renovation capital exists; the governance infrastructure to move it does not. [Update with current CAPER]
HUD IDIS PR54 — source: PY2019, verify current year
$4.95M
ROC Recovery Fund Paid to 393 Homeowners
Nearly $5M paid to 393 claimants harmed by unqualified contractors — averaging 100+ days per claim. A governance failure with a known solution.
AZ ROC Sunset Review FY2023
Arizona CDFI Partners

Proposed Coalition Partners

These seven organizations represent the proposed operational heart of Arizona's affordable renovation capital system. The Coalition is currently in formation and seeking participation from each.

LISC CDFI
LISC CDFI
CDFI · Local Initiatives Support Corporation
$40M
Allocated AZ
2,200
Jobs Created
142
Reno Leads
LISC CDFI deploys patient capital and technical assistance for neighborhood development and affordable housing across the Phoenix metro, with $412M in attributed AZ economic output.
Clearinghouse CDFI
Clearinghouse CDFI
CDFI · Mission-Driven Lender
$28M
Allocated AZ
980
Jobs Created
114
Reno Leads
Clearinghouse CDFI provides flexible financing for affordable housing and community facilities in underserved Arizona markets, with a focus on CRA-qualifying investments for regulated lenders.
Growth Partners Arizona
Growth Partners Arizona CDFI
CDFI · Small Business & Housing Capital
$18M
Allocated AZ
740
Jobs Created
88
Reno Leads
Growth Partners Arizona CDFI delivers accessible capital and coaching to small businesses and homeowners in low-income Arizona communities, with deep roots in the South Phoenix and West Valley corridors.
Hustle PHX
Hustle PHX Mini-CDFI
Mini-CDFI · Micro-Lending · Phoenix
$4M
Allocated AZ
210
Jobs Created
52
Reno Leads
Hustle PHX is a Phoenix-based mini-CDFI focused on micro-capital deployment for entrepreneurs and homeowners in the city's most disinvested neighborhoods, operating where larger CDFIs often can't reach.
Native Community Capital
Native Community Capital CDFI
CDFI · Native American Communities · Arizona
$9M
Allocated AZ
320
Jobs Created
67
Reno Leads
Native Community Capital serves tribal and Native American communities across Arizona, providing culturally responsive capital for homeownership, renovation, and economic development in reservation and urban Native markets.
Préstamos CDFI
Préstamos CDFI
CDFI · Chicanos Por La Causa Affiliate
$32M
Allocated AZ
1,450
Jobs Created
975
Reno Leads
Préstamos CDFI provides small business and housing capital to underserved communities across Arizona and the Southwest, generating $41.6M in economic output through mission-driven lending.
Raza Development Fund
Raza Development Fund CDFI
CDFI · National Latino CDFI
$25M
Allocated AZ
1,150
Jobs Created
175
Reno Leads
RDF is the nation's largest Latino CDFI, focused on affordable housing, charter schools, and community facilities across the American Southwest with a deep AZ presence.
Partner Portal Preview

What the Arizona Portal delivers

Authorized Arizona Coalition partners get a live operational dashboard — the data and documentation they need, that they don't have today.

capitalbridecoalition.org/AZ/portal · HomeHero Collective
🔒 Secure · Encrypted
Dashboard
Impact Data
Partners
Reports
Settings
Arizona Coalition — Admin Panel
14
Projects Funded
4
Lenders Active
$1.2M
Capital Deployed
1.18×
Timeliness Ratio
Recent Submissions
ApplicantLocationLoan TypeStatus
Maria G.Phoenix, AZCDBG RehabApproved
Torres FamilyMesa, AZCRA SecuredPending
Ramirez, J.Tucson, AZCDFI UnsecuredMissing Docs
Lopez & VegaChandler, AZCRA SecuredCompleted
Impact Metrics
CDBG Timeliness1.18× ✓
CRA Docs Ready14 / 14
LMI Census Tracts12 / 14
Contractor Y-Score Avg87 / 100
Audit ReadinessReview Needed
Lenders Participating
LISC PhoenixActive
JPMorgan Chase CRAActive
Préstamos CDFIOnboarding
Wells Fargo FoundationPending
Partner Access

Arizona Partner Portal

📊
CDFI & Nonprofit Partners
Access your live project dashboard, CRA impact reports, contractor compliance status, and HUD IDIS output for Arizona.
Login to Portal →
🏛️
CRA Bank Partners
Access CRA documentation packages, LMI project tracking, portfolio impact analytics, and examination-ready reports.
Login to Portal →
🏛️
Government & Foundation
Access capital deployment dashboards, subrecipient monitoring, CDBG timeliness tracking, and grant outcome verification.
Login to Portal →
Opportunity Zone Capital · Arizona

Arizona ranks #3 nationally
in OZ investment per capita

With OZ 2.0 now permanent and new Arizona census tracts being nominated for 2027, the Coalition is positioned to become the governance infrastructure for Qualified Opportunity Funds deploying into Arizona's underserved markets — providing investors with the transparency, compliance automation, and community impact data the program now demands.

$160B+
Estimated total QOF capital raised nationwide since 2018
Novogradac / OZ.com Est. 2025
8,764
OZ 1.0 designated census tracts — active through Dec 2028
IRS / Treasury · OZ 1.0
313K
Net new housing units generated by OZ investment 2019–2024
EIG Working Paper 2025
30%
Rural QROF basis step-up at 5 years — effective July 4, 2025
OBBBA · Notice 2025-50
OZ FUND PARTNER PORTAL · ARIZONA

Qualified Opportunity Fund Dashboard

Real-time investor ROI projections, 90% asset standard monitoring, Form 8996/8997 compliance tracking, in-state/out-of-state investment mapping, and on-demand impact reports — all in one governed platform.

Arizona is Live

Is your organization
in the Coalition?

CDFI partners, CRA banks, and community nonprofits operating in Arizona can join today. The infrastructure is built. The partners are ready.