You've built a strong team.
Great
benefits. A culture you're proud of.
Still, nearly half of your employees are one bill away from a crisis.*
CIF's Impact Loan Program bridges the gap other benefits can't. Zero percent interest. Completely anonymous. Funded by you, administered by us, and designed to pay itself forward. Immediate needs are met within 48 to 72 hours.
30 minutes. No pressure.
See what an Impact Loan program could look like
for
your employees.
$7M+ in 0% loans since 2021 3300+ given a hand up56+ partner organizationsacross 29 states
*United Way ALICE data: Over 40% of U.S. households cannot absorb one unexpected bill.
Zero interest
0% APR. Always. This is a nonprofit fund, not a lender.
Zero judgment
They apply in private. No one at work knows. Not even you.
Zero hassle
One simple application. Money in their account within days.
Financial stress doesn't stay at home. It comes to work.
41% of American households live one bill away from a financial catastrophe. They earn too much for aid and too little for a cushion - these are the people United Way calls ALICE: Asset Limited, Income Constrained, Employed. Many of them work for you.
What your benefits promise
- 401(k) match at 65
- Annual raise next review
- Year-end bonus in December
- Health coverage after deductible
What the crisis demands
$1,200. This week.
- Dead transmission today
- Rent + a medical bill today
- Groceries tonight
So they face it alone - with a credit card at 22-36%, or a predatory payday loan.
You can be the difference. Your company can be the one to stand beside them.
Your employees need a private, dignified
way to ask for
help.
Traditional benefits don't bridge the gap between a paycheck and a crisis. Traditional EAPs rarely cover a full crisis or build savings to prevent the next.
The road they take today
The debt spiral follows them to work every day.
The road you can offer
One gift. Endless impact.
You seed it once. We run everything. Repayments flow back in and go right back out to the next person who needs them.
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You fund it
Your company establishes a dedicated Impact Loan fund, sized to your team at the Employer Impact Review.
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They apply in private
An employee in crisis applies through your organization's own loan site. CIF handles everything. Nobody at work knows.
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Funded in 48-72 hours
Approved loans hit their bank account fast - within 48-72 hours of approval. 0% interest, 12 months to repay, first payment up to 45 days out.
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The fund replenishes itself
Free coaching keeps people on track. 10% of every repayment builds the borrower an emergency savings bonus - and the rest returns to your fund for the next person.
Free. 30 minutes. No pitch. No pressure.
The numbers matter. The people matter more.
Real Impact Loan participants, in their own words. Names withheld - that is the whole point.
"An unexpected expense can make everything ten times worse in the blink of an eye. The Community Impact Fund took so much stress and worry off my shoulders and helped me get my health back on track."
"I was able to stay afloat rather than fall behind and create a snowball effect on the rest of my bills."
What employers are seeing
Real stories. Real people. Real impact.
"Caring for our people is one of the best investments we've made."
"We realized our employees' financial wellness and physical wellness can closely correlate. Many employees were borrowing against their retirement savings just to get through an unexpected hardship. We chose to launch our Impact Loan program with CIF, giving employees access to confidential, 0% interest loans of up to $3,000 while preserving both their dignity and the opportunity to pay that support forward. Since December 2021, more than 840 employees have received nearly $2 million in Impact Loans, and the gratitude we've heard has reaffirmed that caring for our people is one of the best investments we've made."
Same $1,200 repair. Two very different years.
Without CIF: the spiral
- Day 1Car dies. No savings. No good options. A predatory payday loan looks like the only door.
- Month 2The loan rolls over. Fees stack. Focus at work tanks - stressed employees lose about 3 hours of productivity a week.
- Month 6They start job hunting. A competitor's 25-cent raise is enough reason to leave.
- Month 9You lose a good person - who is now stuck in a debt spiral that has serious consequences.
Cost to you: $10,000+ to replace them - 50-200% of their salary, plus everything they knew.
With CIF: the bridge
- Day 1They apply in private through your fund's site. No forms on anyone's desk. No explaining.
- Day 2-3$1,200 lands in their account. 0% interest. Car fixed. Back at work.
- Month 1-12About $100 a month comes out on the date they chose. 10% of it builds their own emergency savings.
- Month 12Loan repaid. Savings bonus in hand. Your fund is refilled for the next person.
Cost to you: $0 beyond the fund you already gave - and they stay, with a story about where they work.
Unused coaching helps no one.
Ours gets used - and it's free.
Financial education programs on their own sit unused. When coaching comes before the loan, nearly everyone follows through - on the loan, the repayment, and the habits that keep the next crisis smaller.
Money in this fund does not disappear. It multiplies.
Not an annual line item. One gift that keeps lapping the track.
The cost of doing nothing
- 50-200% of salary to replace one employee who leaves
- 3 hours a week of focus lost per financially stressed employee
- Lower culture and retention scores for companies with no financial wellness benefit
What one fund keeps doing
- Repayments recycle - your first gift keeps helping, year after year, at no new cost
- Savings habit built in - every borrower leaves with an emergency cushion started
- Tax-deductible gift to a 501(c)(3), not another vendor contract
See what your impact could be.
Your people are facing money crises right now - with or without you.
The crisis does not wait for a benefits cycle. Right now the road forks three ways:
- High-interest debt, a downward spiral, and an employee who is distracted, absent - or eventually let go.
- A competitor's 25-cent raise, taken the week they feel most alone.
- Or a private bridge with your company's name behind it - and a person who stays, recovers, and tells people why this place is different.
Only one of those roads is yours to build. One 30-minute call shows you what it looks like for your team.
Questions employers ask us
Is it really anonymous?
Yes. Employees apply through your organization's private loan site. CIF fields every inquiry, vets every application, and sends funds straight to their bank account. No manager meetings. No peer panels. No names shared with your company.
What does it cost my company?
Your company seeds a fund sized to your team - a tax-deductible gift to a 501(c)(3). Because repayments refill the fund, that first gift keeps helping people year after year. The Employer Impact Review shows you exact numbers for your team size.
How fast do employees actually get money?
Applications are reviewed same day or next business day after submission. Most have funds in their account within 48 to 72 hours after approval.
What are the repayment terms?
12 months, 0% interest, amortized. The first payment is not due for up to 45 days, and employees pick their own payment date. If life happens mid-loan, they can file a flexible payment request and CIF works out a path with them.
Does the loan hurt their credit or count as income?
No and no. Loans through the Impact Loan Program are not taxable income and are not reported to credit bureaus. Through the Giving Credit partnership, on-time payments can actually help borrowers build credit if they choose.
Who governs the fund?
The Community Impact Fund - a 501(c)(3) nonprofit, EIN 82-4577516, with the GuideStar Transparency Seal. CIF vets every application under IRS regulations, disburses funds, and manages repayment. Your team never plays banker.
Ready to be the bridge?
See what your impact could be.
One free 30-minute call. We will look at what your people are likely facing, what a fund could mean for your organization, and the impact it keeps returning year after year. Walk away with clarity either way.
Free. 30 minutes. No pitch. No pressure.
Questions before you book?
Call or text Courtney Lussenhop, VP of
Impact, at (720) 902-9856.
Schedule your demo
Pick a time that works for you. Free, 30 minutes, no pitch, no pressure - and you'll leave knowing what your impact could be.