TruFund Resilience & Sustainability Fund (RSF)

OPPORTUNITY

TruFund Financial Services, Inc.'s Resilience & Sustainability Fund (RSF)—a strategic expansion of our national practice designed to advance economic opportunity and environmental equity in underserved and undercapitalized communities. RSF reflects TruFund’s long-standing commitment to delivering innovative financial solutions that revitalize neighborhoods, create quality jobs, and promote inclusive economic growth.

Our work in vulnerable, under-resourced communities—many of which face heightened risk from natural and economic disruption—has underscored the urgent need for capital solutions that support energy-efficient infrastructure, clean technologies, and sustainable development. RSF is our response to that call: a dedicated platform that allows us to integrate resilient and sustainable practices into the core of our lending mission.

By embedding RSF into our national portfolio, TruFund is leveraging decades of experience to support small businesses, real estate developers, and community-based contractors as they adopt forward-looking practices that strengthen the communities in which they operate. This business line positions TruFund at the forefront of place-based investment strategies that bridge the gap between economic vitality and environmental stewardship.

PRODUCT OFFERINGS

The Resilience & Sustainability Fund enhances and complements TruFund’s existing suite of mission-driven products, including the Real Estate Acquisition Program (RAP), Impact Developers Fund (IDF)/Emerging Developers Fund (EDF), New Markets Tax Credit (NMTC), and TruAccess Contractor Lending platforms. Each is aimed at deploying capital to historically undercapitalized populations and geographies, and RSF is no exception.

RSF loans are structured to promote the adoption of energy-efficient systems, sustainable development practices, and future-ready infrastructure. The fund provides a range of financing tools tailored to the needs of real estate developers, nonprofit institutions, small business owners, and contractors working in low-income communities. Offerings include:

• Term Loan – Structured for multifamily property owners (for-profit or nonprofit), manufacturers, commercial real estate operators, educational institutions, and others to finance the purchase and installation of energy-efficient equipment and systems. Eligible upgrades may include heating and cooling systems, solar energy installations, window replacements, and low-emission transportation solutions.

• Predevelopment Loan – Targeted financing for early-stage project costs such as environmental and energy assessments, architectural/engineering design, and planning for sustainable construction practices.

• RAP Loan – Financing for small business owners acquiring owner-occupied commercial real estate, with additional capital to integrate energy efficiency or systems upgrades. This loan can be combined with TruFund’s standard RAP mortgage product.

• Contractor Mobilization Loan – Short-term working capital loans to small contractors and subcontractors, enabling them to purchase energy-saving or green-certified materials and technologies for new construction or renovation projects under contract.

RSF is TruFund’s bold step toward building resilient, sustainable, and economically vibrant communities—delivering long-term value not only to borrowers but to the broader ecosystems in which they live and work. We invite capital partners and community allies to join us in supporting the next generation of inclusive investment.

Desiree Thomas

Vice President | Director of TruFund Resilience & Sustainability Fund
dthomas@trufund.org