SourceEnergy Bank & Trust Overview

SourceEnergy Bank & Trust serves as a conduit to over 5,000 Community Development Entities (CDEs) and multiple Community Development Financial Institutions (CDFIs), connecting underserved communities with the financial resources needed to thrive. Our goal is to build a sustainable wealth ecology, a holistic approach to economic empowerment, that drives technology-driven entrepreneurship, renewable energy adoption, and affordable housing development within Opportunity Zones.

Wealth Ecology Model

At the heart of SourceEnergy’s mission is the Wealth Ecology Model, a framework designed to create long-term wealth in underserved communities by integrating financial products with educational, entrepreneurial, and community development initiatives. This model fosters sustainable economic growth by ensuring that financial capital is deployed in ways that maximize community impact and build generational wealth. Our approach focuses on:

• Entrepreneurial Development: Providing businesses in tech, clean energy, and fintech sectors with access to capital and mentorship.
• Financial Inclusion: Offering tailored financial literacy programs and technical assistance to help individuals and businesses make informed financial decisions.
• Sustainable Investments: Supporting renewable energy and affordable housing projects that reduce costs and create long-term economic benefits.

Our Mission

SourceEnergy is dedicated to creating an inclusive wealth ecosystem through:

• Facilitating access to capital for clean energy projects, tech startups, and affordable housing developments in Opportunity Zones.
• Empowering communities through education, financial literacy, and job creation initiatives.
• Building a national network that connects underserved communities to Silicon Valley’s innovation ecosystemand its resources.

Our Financial Products

Our financial products are tailored to meet the needs of Opportunity Zones and underserved communities, aligned with our Wealth Ecology Model:

• Green Loans: Financing for renewable energy projects like solar and wind, which promote environmental sustainability and reduce costs for low-income areas.
• Small Business Loans: Capital for tech-driven startups, minority-owned businesses, and entrepreneurs in clean energy, fintech, and technology sectors.
• Affordable Housing Loans: Supporting the development of energy-efficient, affordable housing, improving living conditions and promoting long-term financial stability for low-income families.

Key Initiatives

1. Tech Hub Development
SourceEnergy is leading the development of Tech Hubs adjacent to HBCUs (Historically Black Colleges and Universities), such as the HBCU West Tech Hub in Oakland, California. These hubs will serve as innovation centers, providing access to resources, mentorship, and Silicon Valley’s ecosystem. These hubs are central to the Wealth Ecology Model, as they drive entrepreneurship, create jobs, and foster local economic empowerment.

2. National Network of CDEs
Our extensive network of over 5,000 CDEs enables us to implement the Wealth Ecology Model on a national scale, offering local entrepreneurs in Opportunity Zones access to capital, business development resources, and Silicon Valley connections. The network fosters collaboration, resource-sharing, and the scaling of impactful financial products.

Impact on Underserved Communities

SourceEnergy’s Wealth Ecology Model is built on the principle of creating self-sustaining wealth ecosystems in underserved communities. By integrating financial resources with community engagement, our model enables:

• Job creation in clean energy and tech-driven sectors.
• Increased access to capital for minority-owned businesses and startups.
• Sustainable investments in housing and renewable energy, providing long-term economic resilience for low-income families.

We Provide Access and Resources to Promote Systemic Generational Wealth Cycles #CreatingaFutureWithaFuture

Everyone will sit under their own vine and under their own fig tree, and no one will make them afraid. Micah 4:4
They will build houses and inhabit them; they will also plant vineyards and eat their fruit. “They will not build and another inhabit, they will not plant and another eat. (Is.65: 21-22)
If there are any poor in your towns when you arrive in the land….do not be hardhearted or tightfisted toward them. Instead, be generous and lend them whatever they need. Do not be mean-spirited and refuse a loan because the year of release is close at hand. Duet.15:7-9