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Southern Reparations Loan Fund is a network of loan funds that lend to democratically-governed enterprises that meet the needs and elevate the quality of life of African American, immigrant, and poor white communities in the US South. SRLF network members focus their lending to start-ups and expansions of democratically-governed enterprises that meet the needs and elevate the quality of life of African Americans, immigrants, poor whites, and others who have been systematically damaged by exploitation and oppression. Our aim is to nurture the development of businesses that maximize community benefit, rather than the narrow concept of maximizing profit. The SRLF network began life in 2015 as a single, centralized loan fund. The goal of SRLF is to serve the entire South – a region of almost a million square miles. Since SRLF came into existence, we’ve re-learned a key lesson about effective lending – it has to be rooted in place at a level of “local-ness” that we can’t achieve across a 14-state region through a centralized model. Being local allows for the kind of contextual understanding, relationship-building and close-at hand technical assistance that new and growing enterprises need. website: https://southernreparations.org/ facebook: @SouthernReparations

Loans

Flippin' Birds

Working Capital for Food Truck Pivot

This loan is a refinance of loan #10755 to include additional working capital for established food truck.

New Orleans, United States
December 6, 2023
US $235,775.13

La Esperanza Community Real Estate Cooperative

17 Westside Drive Purchase Loan

Purchase of additional commercial property by La Esperanza Cooperative to further the mission of community owned properties to steward, protect and strengthen the Emma Community. The property is located in Emma and less than a mile from La Esperanza Community Real Estate Co-op.

Asheville, United States
December 22, 2022
US $2,635,100.00

BG'z L.A. Street Taco

Pilot loan: Equipment, Supplies, & Member Wages (6 weeks)

Pilot loan for co-op members to continue their momentum and grow their customer base during the highly attended multifest.

Huntington, United States
July 27, 2023
US $36,083.00

Pagoda Cafe

Pagoda Cafe Real Estate & Purchase Loan

An asset sale purchase of real estate and business entities to convert an outdoor, neighborhood-based cafe into a worker-owned business.

New Orleans, United States
December 21, 2022
US $451,125.00

Carolina Wren Mobile Home Park

Carolina Wren Mobile Home Park Construction and Refinance of Purchase Loan

Construction of new 38 unit mobile home park

Asheville, United States
February 19, 2026
US $2,070,000.00
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