Invest With Meaning

For over 30 years, LIIF has been investing in low income communities, creating social and financial returns for families, our partners and the economy.

The LIIF Impact Note offers a simple, powerful way for you to join us in investing in the communities you care about while earning return.

  • Flexible

    6 months – 10 years

  • Competitive

    1% – 4%

  • Minimum Investment


Track Impact in the Regions You Care About Most

  • national


    LIIF’s diverse portfolio includes loans to mission aligned borrowers nationwide.

    LIIF’s National screen allows investors to track impact throughout the country.

  • sf-bay-area

    SF Bay Area

    The Bay Area is home to one of the largest income inequality gaps in the country.

    LIIF’s Bay Area screen allows investors to track impact regionally.

  • custom


    In many instances, LIIF is able to offer place-based impact screens that speak to an investor’s geographic interests.

    If you are interested in a customized impact screen, please let us know.

How It Works

  • You

    Purchase an Impact Note to make your money work for you and the community.

  • Neighborhoods

    Our partners deliver improved health outcomes, higher educational attainment, and lifetime earnings increases to low-income people.


  • Low Income Investment Fund

    LIIF lends Impact Note capital to community partners that develop affordable homes, quality schools, and other community facilities.

Simple Investment Process

Open an Account

Fill out an investment application

Fund Your Investment

Wire funds to start your investment

Track Your Return

Receive quarterly impact report

Our Impact Across the Country

  • 160,000

  • 293,000
    childcare slots

  • 98,000
    k-12 school seats

  • 1,800,000 tons of green
    house gas reduction

  • 78,000 units of
    affordable housing

  • 270,000
    health clinic visits

Stories of Impact

Successful track record. Institutional Quality.

Over the past 36 years LIIF has invested $2.7 billion to benefit 2.2 million low income people.

Frequently Asked Questions

Who can invest?

LIIF Notes are currently available to any individual or institutional investor residing in the following states: AK, CA, CT, CO, DC, GA, HI, IL, MA, MD, ME, MI, NH, NM, NY, OR, RI, TN, TX, VA, VT.

What does my investment support?

The organizations to which LIIF makes loans are typically community-based, non-profit, or mission-aligned for-profit real estate developers that build affordable housing, high quality schools and child care centers, health centers, and community facilities for the benefit of low income people and communities.

Are there any fees?

No, investors do not pay any fees.

What happens when my Note matures?

You will be notified 30 days prior to your Note’s maturation. At that time, you will have the option to roll your investment over into another note, redeem your investment partially or in full, or donate your interest or principal investment to LIIF. If you elect to redeem your principal, funds can be transferred within 7 business days. If you do not respond to the notification, LIIF will automatically roll your investment into a new Note with the same duration at the interest rate in effect on that date.

View All FAQs

Get In Touch

Low Income Investment Fund, a 501(c)(3) nonprofit, offers the LIIF Impact Note, which is subject to certain risks, is not a mutual fund, is not FDIC or SIPC insured. Any decision to invest in these securities through this Site should only be made after reading the prospectus or by calling 415.489.6131. We will offer and sell our securities only in states where authorized. Currently, we offer or sell our Notes to investors in the states of Alaska, California, Colorado, Connecticut, the District of Columbia, Georgia, Hawaii, Illinois, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Mexico, New York, Oregon, Rhode Island, Tennessee, Texas, Vermont, and Virginia.

*Past performance is no guarantee of future results. Citations herein to “competitive returns” are in reference to historical results only.