Invest With Us
Invest in Local Business Growth, Invest in Your Community
Are you interested in investing in local businesses while earning a return? EFund is excited to announce that our new investor note allows individuals and organizations in Minnesota to invest in local businesses.
When you invest with us, your dollars will fuel small businesses throughout the region by providing low-cost capital. For every $1 invested, CDFIs like EFund, put $8 to work in communities that need it most.
Your investment supplies more than capital – it drives innovation, creates quality jobs, and builds stronger communities.
Your investment helps advance economic development in rural and underserved areas, transforming our shared vision into reality: vibrant communities and a diverse regional economy powered by entrepreneurs.
Earn a Financial Return
Receive a reliable return while supporting small business growth.
Drive Regional Economic Impact
Your investment provides flexible capital that helps businesses innovate, diversify, and create quality local jobs—especially in our rural communities.
Multiply Your Impact
Every dollar invested funds multiple projects over its term. As EFund borrowers repay loans, the funds become available to meet other needs, amplifying your contribution to sustainable economic development.
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Local Investment Creates Local Impact
An investment in EFund blends financial and social returns into one accessible product. One hundred percent of the funds provide capital to local, small businesses.
Why Invest with EFund?
An investment in EFund is an investment in your community. 100% of your investment will be pooled with other investors to provide low-cost capital to small, underserved businesses.
Since the late 80’s, EFund has blended technical advising and lending to assist small businesses throughout the region. We’ve supported more than 3,100 businesses with lending exceeding $180 million, positively impacting 16,000 jobs.
Ready to join us in helping small businesses?
Make Your Individual Investment
Individual investors in Minnesota can align their investment strategy to help transform communities and generate local wealth.
To start, choose the following:
- How much to invest, starting at $1,000
- How long to invest, starting with a 2-year minimum
- How much to earn – up to 4%
- How you want to receive payment.
Ready to invest?
Download our subscription form below to get started.
Still have questions? Contact our Director of Development Beth Probst to learn more.
Make Your Institutional Investment
Banks, Foundations, Corporations and other types of institutions can now participate in our Impact Investing program. Unlike a donation, this support creates lasting social value, while earning a fixed financial return and conserving your capital.
Investors can expect regular updates on EFund activities, along with annual interest payments. While this is an unsecured investment, it is important to note we have achieved a 100% repayment of principal to investors since our inception in 1989.
Ready to get started?
Download our subscription agreement below to get started.
Still have questions? Contact our Director of Development Beth Probst to schedule a meeting.
Impact Investing FAQ
We’ve answered our most commonly asked questions below.
We also offer an easy to download Informational sheet.
Investors can read our full Prospectus here for additional information about making an investment with EFund: (Link to the Prospectus, which is a long downloadable PDF).
How will my investment be used?
An investment in EFund will be pooled with other resources to provide loans to small businesses throughout our service area.
Our loans provide customized access to capital for regional, small businesses. As a nonprofit lender, we maximize 100% of your investment to provide unique and innovative business loan options ranging from $1,000 to $750,000. Each loan is paired with strategic one-on-one business advising at no additional cost.
Why will you only work with individual investors in Minnesota?
EFund recently received approval from the state of Minnesota. Our plan is to pursue approval in Wisconsin next, followed by additional states that may have residents who have strong ties to this region and are interested in investing. If you live in Wisconsin and are interested in investing in the future, please email us and we will notify you when the program is available.
How safe is my investment?
EFund has a 100 percent repayment record to our investors. We maintain reserves also knows as loan loss reserves to protect our investors from losses in our portfolio. We also secure project loans with collateral, such as a mortgage or lien. That said, this is an unsecured note, resulting in funds potentially being at risk in extreme conditions.
We will provide investors with annual updates with information about principal payments and interest earned, along with organizational updates. If requested, we can also provide additional information such as links to our audit.
Are there any tax benefits to investing in the Entrepreneur Fund?
Investors have the option to donate annual interest payments, which are tax-deductible to the full extent permitted by law. Investors also have the option to make a provision for loan forgiveness in their estate plan. Please talk with your financial advisor for more information.
How will I know that my money is making a difference?
Your investment will start supporting local, small businesses soon after we receive it. To stay connected and learn more about how these dollars are fueling the communities we serve, follow our updates on social media and sign up (Link to newsletter sign-up) for our monthly emails. We will also send you an annual update on our impact thanks to supporters like you.
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Contact Us
Your investment has the power to create lasting change. Discover how you can help shape a brighter future for our region.