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About Half Step

Powered by The Field Foundation of Illinois, who provided our inaugural funding support, we are a social impact asset management platform, focused on bridging the capital gap for underserved businesses. We use donor capital: - as cash collateral so lenders can better manage their risk and say “yes” more often and - buy loans from lenders so lenders can free up money to lend to more businesses. Our goal is reduce interest rates for borrowers so business owners can afford to grow. We also utilize transaction structures (typically seen in municipal security and ABS markets) that enable longer maturities and lower interest rates. We also publish borrower data to better familiarize the market with underserved business risk to motivate broader lending. We intend to evolve the capital markets for these borrowers.

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