Clarity Impact Finance — Strategic Advisory for CDFIs
Closing the gap between impact capital and communities,
one neighborhood at a time.
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Closing the gap between impact capital and communities,
one neighborhood at a time.
We believe every community deserves access to the capital, expertise, and infrastructure needed to thrive — and that mission-driven lenders are the bridge.
Helping CDFIs think clearly about capital structure, growth, and long-term sustainability.
Designing funds, raising capital, and building the financial architecture that fuels community impact.
Every dollar deployed into communities that need it most — measured, intentional, and mission-aligned.
Helping CDFIs strengthen operations, unlock capital, and deepen community impact
Working with CDFI CFOs to optimize balance sheet structure, diversify capital sources — CRA banks, bond markets, InspereX, impact notes, philanthropic capital — and strengthen overall financial positioning.
Learn more →Designing and launching on- and off-balance sheet pooled investment funds — from community thesis validation through capital raise, close, and deployment.
Learn more →Implementing AI into CDFI lending workflows, from financial spreading and credit memo drafting to covenant tracking and portfolio monitoring.
Learn more →Advising on lending product design, underwriting policies, and equitable lending practices to help CDFIs deploy capital effectively.
Learn more →Helping CDEs with NMTC allocation build deal pipeline, structure QLICI transactions, and deploy capital into qualified community projects.
Learn more →12+ CDFI engagements across 8 states — from $10M community loan funds to $1B+ national platforms.
Designed a $100M pooled debt fund with six capital layers. Built the financial model, waterfall mechanics, and investor materials.
Structured an off-balance sheet pooled fund with tiered investor returns and developed governance framework.
Developed a blended capital stack with concessionary and market-rate tranches. Created impact framework and investor pitch.
Full balance sheet and cost-of-funds analysis. Modeled capital structure scenarios and built treasury dashboard.
Designed standardized underwriting model with sector-specific criteria. Built credit memo templates and scoring rubrics.
Mapped participation partners, designed standardized documentation, and modeled impact on lending capacity.
Purpose-built AI agents that handle financial spreading, credit analysis, and portfolio monitoring — so your team can focus on what matters.
Founder and Principal Consultant
At Low Income Investment Fund (LIIF), I served as Vice President overseeing community facilities lending and New Markets Tax Credits. I deployed over $150 million in impact capital, structured and closed 25+ NMTC transactions, and worked with CDFI clients ranging from $50 million to $900 million in total assets. Before LIIF, I managed real estate private equity funds at Aviva Investors and advised high-net-worth clients at BNY Mellon.
Today, I focus on the areas where CDFIs need the most support: treasury strategy and balance sheet optimization, fund structuring and capital stack design, blended capital strategies that layer philanthropic, public, and private sources, and underwriting frameworks that balance mission with financial sustainability.
I hold a B.Com in Finance and Accounting from McGill University and am a CFA Charterholder.
Thought leadership on AI, capital strategy, and the future of community development finance.
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You can walk into a community and understand what’s missing. Human judgment, relationships, and decades of experience are what make impact lending work.
View on LinkedIn →Starting with NMTC — making the New Markets Tax Credit program more accessible for lenders and borrowers through purpose-built tools.
View on LinkedIn →After years of growth, certified CDFIs fell 6% to 1,378. Total assets declined 3% to $446 billion. What this means for the sector going forward.
View on LinkedIn →A practical guide for community development lenders looking to implement AI tools while keeping mission at the center of every decision.
Read Article →Interest rates have shifted. Funders increasingly want to see where their capital goes — changing how CDFIs think about structure and fund design.
View on LinkedIn →Small businesses in underserved communities need $87B more in loans under $100K. 60% of CDFI loan funds have assets under $20MM — too small to access institutional capital.
View on LinkedIn →Ready to strengthen your lending? We’re here to help you maximize community impact through strategic financial solutions.