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Revolving loans

Revolving loans recycle loan repayments, so every dollar works harder

As developers repay loans, those funds go into the next housing project, creating a sustainable and scalable model that gets stronger with every new investment.

What is a revolving loan?

A funding model designed to keep giving

The “one-and-done” problem

Traditional housing funding is often one-time money which gets spent once then disappears.

That can make affordable housing an expensive investment, because it requires new money over and over again, creating a major strain on communities and investors while slowing development across the board.

Self-sustaining investments

The We Lift Catalyst Fund uses a revolving loan model. As loans are repaid, that money cycles back into the Fund to support the next project.

Repaid loans keep the Fund working, and new investments add to the Fund’s impact instead of having to replace what was spent.

This is how the We Lift Catalyst Fund turns one pool of money into an evergreen housing accelerator.

How do revolving loans work?

Making housing investments do more

Kenny Rodgers poses next to development plans for Villa Hermosa Apartments

Loan

The Fund makes a loan

The Fund gives developers low-cost loans to support new affordable housing.
Michael Walsh in a suit inside a house being constructed.

Repayment

Developers repay

Developers repay their loans with interest once the housing development opens and nears full capacity.
A massive affordable housing community under construction

Recycle

Repayments fund new projects

Repaid loans are turned into new loans for new projects, multiplying every dollar’s impact.
An aerial view of a valley in Riverside County

Amplify

Interest helps the Fund grow

Interest payments from each loan cover operating costs and help the Fund support even more homes over time.

What is a revolving loan?

What revolving loans bring to Riverside County

Limited resources can stretch

Revolving loans help regions make the most of what they have, even when new investments aren’t readily available.

More financial stability

This self-sustaining model creates a reliable source of support so developers don’t have to fully depend on unpredictable funding—like yearly budgets and grants.

More housing development

The We Lift Catalyst Fund is a powerful evergreen tool in Riverside County’s housing system, offering ongoing support for developers to create more affordable housing long term.

Projects

See the Fund at work