



Mastercard Strive USA
Connecting small businesses to the support they need to thrive
Across the United States, small businesses are the backbone of local economies and community life. Through Mastercard Strive USA, we work with partners to equip entrepreneurs with the digital tools, financial services, and networks they need to grow sustainably, strengthen their resilience, and drive inclusive economic growth in the communities they serve.
Our focus
Supporting sustainable growth for America’s small businesses
Through a digital and data-first approach, we work with partners to equip entrepreneurs with practical tools, access to capital, and trusted networks that help them navigate an evolving economy. By meeting small businesses where they are, we aim to strengthen their operations, expand their market participation, and unlock inclusive growth in communities across the United States

Our approach
Empowering small businesses to overcome common roadblocks

Get capital
By funding community financial institutions including local banks, minority depository institutions, and credit unions, we make it easier for businesses to get the funding they need, when and where they need it.

Go digital
We connect small businesses with mission-driven technology partners and essential digital tools that eliminate bottlenecks and enable access to lending and investment.

Grow networks and know-how
Through local and national partnerships, we connect small businesses with expert organizations to develop new skills and grow their capabilities.
Our goal
Supporting over 5 million small businesses in the United States over five years
By the numbers
2M
Small businesses reached in the United States
46
Partners implementing programs in the United States
$46M
Capital deployed by our NGO Partners USD
Our programs

Washington Area Community Investment Fund: Laying the groundwork for a more connected small business ecosystem in Washington, DC
Washington Area Community Investment Fund (WACIF) is a CDFI that drives economic opportunity in the Washington, D.C.

CAMEO Network: Strengthening the U.S. small business support infrastructure through a national network of lenders and advisors
CAMEO is a coalition of 400+ mission-based lenders, CDFIs, business support organizations, and technical assistance providers.

Access to Capital for Entrepreneurs: Building statewide access to patient capital and support for Georgia’s small businesses
Access to Capital for Entrepreneurs (ACE) is a nonprofit and CDFI that provides capital, coaching, and connections to help borrowers create and grow sustainable businesses.

Scale Link & LoanWell: Closing the small business financing gap with an all-in-one lending solution
Scale Link & LoanWell partnered to build a technology platform that matched small businesses seeking capital in North Carolina with local Community Development Financial Institutions.

Urban Impact: Strengthening Birmingham, Alabama’s small business ecosystem from the ground up
Urban Impact is a nonprofit organization committed to removing barriers for underserved entrepreneurs in Birmingham, Alabama.

Russell Innovation Center for Entrepreneurs: Where Atlanta’s entrepreneurs go to build Big IDEAS
Russell Innovation Center for Entrepreneurs equips overlooked and underestimated entrepreneurs with the access, resources, and community they need to grow stronger businesses.

Scale Link: Rewriting the economics of loans under $100,000
Scale Link helps to build and grow the secondary market for community lenders by bundling CDFI microloans and selling them to banks.

Heartland Forward: Real-time insights powering economic growth in the heartland
Heartland Forward is a nonprofit think-and-do tank with a mission to accelerate economic growth in the middle of the country.

National Urban League: A national model for workforce advancement
The National Urban League works to provide economic empowerment, educational opportunities, and the guarantee of civil rights for the underserved in America.

Opportunity Finance Network: Scaling small business lending through CDFI-led innovation
Opportunity Finance Network (OFN) is the leading national network of Community Development Financial Institutions (CDFIs) and a financial intermediary.

Nest: Growing the U.S. craft economy through maker-centered business support
Nest addresses the unique needs of artisans and makers, prioritizing their well-being, their communities, and their business interests.

Birmingham Business Resource Center: Strengthening Alabama’s small business ecosystem
The Birmingham Business Resource Center is a “one-stop-shop” designed to assist entrepreneurs in every stage of development of their business.

Our Village United: Investing in the health of both the small business and the business owner
Our Village United (OVU) supports the growth of solopreneurs and microbusinesses by delivering targeted technical assistance and shared professional services.

CNote: Unlocking capital for underserved communities through innovative data and technology
CNote makes impact investing easier by connecting capital to mission-driven financial institutions.

Next Street: Building a digital concierge service for small businesses
Next Street provides end-to-end solutions – powered by proprietary technology, national networks, and industry expertise.

The African American Alliance of CDFI CEOs: Investing in the strength and scale of Black-led CDFIs
The African American Alliance of CDFI CEOs empowers Black CDFI CEO members to lead and grow their institutional operations, teams, and social impact.

One Million Dreams Foundation: A new path to generational wealth
One Million Dreams Foundation provides tools, resources, and mentorship for entrepreneurs so they can scale their business and generate new economic opportunities.

Appalachian Community Capital: Building financial resilience where it’s needed most
Appalachian Community Capital is a non-profit Community Development Financial Institution that is focused on attracting new sources of capital for small businesses.

Low Income Investment Fund: Strengthening childcare businesses, strengthening communities
The Low Income Investment Fund (LIIF) is a nonprofit community development financial institution that mobilizes capital and partnerships to expand access to funding.

Small Firm Diaries, USA: Understanding how small businesses really work — and what they need to grow
Small Firm Diaries, USA is a two-year study, led by the Financial Access Initiative at NYU Wagner and EA Consultants.

Right to Start: Advancing entrepreneurship as a civic priority across the United States
Right to Start is a nonprofit, nonpartisan organization that seeks to expand entrepreneurial opportunity for all.

Hyphen: Advancing access to capital access through a national public-private partnership
Hyphen catalyzes multi-sector partnerships, leverages philanthropic leadership and resources, and deploys strategic communications to address urgent needs facing entrepreneurs.

Ascend: Supporting growing medium-sized businesses in Atlanta — and beyond
Ascend is a national network of local ecosystems that provides resources and market access to growing businesses.

Community Reinvestment Fund, USA: Powering small business growth by modernizing community lending
Community Reinvestment Fund, USA (CRF) is a national nonprofit organization with a mission to improve lives and strengthen communities through innovative financial solutions.

Accessity: Expanding access to credit for low- and moderate-income entrepreneurs
Accessity is a Community Development Financial Institution focused on providing economic opportunity to entrepreneurs in Southern California.

Rural LISC: Strengthening rural business ecosystems through trusted local partners
Rural LISC provides a wide range of services, including training, technical assistance, information, and financial support.

Momentus Capital: Using data, design, and capital to close the gap for small businesses
Momentus Capital is a family of organizations focused on transforming how capital and investments flow into communities.

AMH Catalyst Center: A new model for fueling women-led startups at scale
AMH Catalyst Center is a nonprofit organization dedicated to increasing the number of high growth firms led by women founders.

Milken Institute: A new strategic future for the Initiative for Inclusive Entrepreneurship
The Milken Institute is a nonprofit, nonpartisan think tank that focuses on advancing innovative economic and policy solutions to improve lives globally.

Aeris: Unlocking the power of CDFI data to strengthen small business financing
Aeris is the leading expert in the financial and impact performance of Community Development Financial Institutions (CDFIs) and other private impact loan funds.

Accion Opportunity Fund: Building financial capability among underserved small business owners
Accion Opportunity Fund is a nonprofit small business lender focused on supporting entrepreneurs who have historically lacked access to affordable and responsible financing.

SaverLife: Helping microentrepreneurs build financial security through personalized resources and savings tools
SaverLife is a nonprofit with 650,000+ members that uses technology to improve the financial health of microentrepreneurs and people living on low to moderate incomes.

Dream Incubator: Expanding opportunity for entrepreneurs in Washington, DC
The Dream Incubator is a nonprofit that offers affordable commercial space and vital resources to small business owners in the Washington, DC area.

Grameen America: Digital tools to expand small business access to capital
Grameen America is dedicated to helping low-income entrepreneurial women build businesses to enable financial mobility.

Inclusiv: Unlocking credit union small business lending
Inclusiv's mission is to help low- and moderate-income people and communities achieve financial independence through credit unions.

California FarmLink: Powering conservation through digital solutions for small farmers
California FarmLink is an agricultural Community Development Financial Institution (CDFI) that invests in the prosperity and well-being of farmers, ranchers, and fishers.
TechnoServe: E-commerce toolkit teaches business owners new ways to grow their online businesses
Business owners learn how to grow their online customer base, increase online sales and profits, and boost customer satisfaction.
Our partners
Driving growth through institutional know-how, capabilities and resources
Regional partners play a critical role in implementing Strive's programs within local communities. With deep market knowledge and trusted networks, they translate strategy into action — connecting small businesses to digital tools, financial services, and new market opportunities. Their leadership ensures solutions are locally relevant, accessible, and designed to drive lasting economic growth.




Become a partner
Interested in being a partner for change?
Together we can empower millions of small businesses globally with innovative digital solutions that boost resilience, growth, and inclusion. Your organization's expertise can help bring impactful programs to scale, deepen local reach, and create meaningful change in the small business ecosystem. Be part of a vibrant partner community driving real economic impact.
Shamina Singh
Mastercard Center for Inclusive GrowthSmall businesses need opportunities and resources to grow their business. That’s why we’re connecting business owners to capital, technology and information to help small businesses and their communities thrive.
News & updates

Supporting innovations shaping the next chapter in community finance
For small businesses, access to capital often determines what’s possible and what’s not — from expanding a storefront, to upgrading online ordering systems, or making payroll through a slow season.

The network effect: Inside the CDFI networks and associations powering U.S. small business growth
CDFI networks, such as an industry associations or coalitions, function as conveners that capture and reflect the collective voice of members and help their members in many different ways.

Digging deeper roots in a time of change: Looking back on our work supporting small businesses
The key question that emerged from our work in 2025 was: How do we help small business support organizations not only weather these shifts, but turn them into opportunity?

Entrepreneurship and philanthropy in times of change: How more flexible capital can help fix the small business financing gap
Philanthropic funding has always played an important role in the small business sector. As the rate of change accelerates, philanthropic funders are well-positioned to help small businesses adapt.

Bridging opportunities, coordinating action: How Alabama is investing in its small business…
How Alabama leaders are coordinating partnerships, data, and technology to strengthen the small business ecosystem and expand access to resources statewide.
Collaboration as infrastructure: Lessons on strengthening partnerships in the U.S. small business support system
CDFIs share the same mission but their approaches often differ. Increasingly, however, they are finding ways to collaborate. How can we make these collaborations more sustainable and inclusive?

Scaling impact by standardizing data: A conversation on how better analytics and collaboration can unlock more investment for community lending
Having more consistent definitions and standards about community lending data is one of the six shifts identified in our survey of small business support leaders.

High tech, high touch: How community lenders use digital tools to stay personal with small businesses
By Araba Sapara-Grant Maria worked in the flower district in Manhattan for many years, but her dream of opening her own mobile flower shop seemed untenable.

Built for all, built to last: Six shifts that could change the U.S. small business landscape for generations of entrepreneurs
Six key shifts—from flexible capital to stronger partnerships—could transform the U.S. small business ecosystem and improve long-term entrepreneur success.

Funding creativity, fueling small business growth: Bridging the capital gap in the creative economy
The creative economy is one of the worlds fastest growing sectors, representing $2 trillion in economic activity globally and potentially comprising 10% of GDP by 2030.

Improving small business outcomes through mental health: A profile on Our Village United’s holistic model
How Our Village United’s ELEVATE program combines wellness, funding, and mentorship to help underserved entrepreneurs grow resilient, scalable small businesses.

Embracing an abundance mindset in Kansas: How new collaborations are creating a stronger small business ecosystem
The fifth Mastercard Strive USA Summit recently took place in Lawrence, Kansas in partnership with the Kansas Department of Commerce.

From theory to practice to scale: Mastercard Strive USA’s impact on small businesses in year 2
Mastercard Strive USA significantly grew its portfolio, impact, and voice in Year 2 and set the stage for strengthening small business ecosystems further in Year 3.

Challenging assumptions: How a distinct operations model sets CDFIs apart in a vast financial ecosystem
Discover how Community Development Financial Institutions (CDFIs) provide mission-driven financing, expand access to capital, and help underserved entrepreneurs grow sustainable businesses in the U.S.

Why helping small businesses succeed should be a philanthropic priority
To create an equitable economy, grantmakers should address the financial and training hurdles that cause so many entrepreneurs to fail.

Getting impact capital off the sidelines: how CNote aligns investor interests with community financial institutions — and vice versa
A two-year Mastercard Strive USA grant has paved the way for investment platform CNote to strengthen their organizational capacity.

The unique partnership at the center of California’s new loan match program
A unique and first-time partnership between two mission-driven organizations, Next Street and Community Reinvestment Fund USA.

How local government can help more small businesses succeed: A fireside chat between St. Louis Mayor Tishaura O. Jones and Salah Goss of Mastercard
This conversation on the role of local government in helping small businesses succeed took place at the Mastercard Strive USA Summit in St. Louis, Missouri, between Tishaura O.

Inclusive growth for entrepreneurs in North Carolina — and beyond
This article highlights key themes and moments from the fourth Mastercard Strive USA Summit held in Raleigh, North Carolina.

Behind the headlines: The critical role of credit unions in deploying $27 billion in federal…
Inclusiv will serve as a critical backdrop as it moves forward with its recent $1.87 billion Greenhouse Gas Reduction Fund Clean Communities Investment Accelerator grant.

Opening doors and connecting dots: How the small business ecosystem in Missouri is meeting entrepreneurs where they are
This article highlights key themes and moments from the third Mastercard Strive USA Summit held in St. Louis, Missouri.

Meeting small businesses where they are: Technical assistance models that work in an increasingly complex landscape
The technical support entrepreneurs need to launch and grow their businesses can vary widely.

How trust scales impact: The role of local partners in federal programs for small businesses
This article highlights key themes and moments from the second Strive USA Summit in Washington, DC, on April 17, 2024.

Public-private partnerships and small businesses: A conversation on what is working in New York City
This conversation took place at the Mastercard Strive USA Summit in New York City between Kevin D.

Building bridges for small businesses: Highlights from the inaugural Strive USA Summit in New York
Participants at the first Mastercard Strive USA Summit spoke about how to access and leverage the once-in-a-generation investments being made by the federal government.

Shared challenges, unique contexts: Mastercard Strive USA launches event series focused on local small business ecosystems
Strive USA has launched a new event series geared towards creating more profound local impact in states and cities across the country.

Partnerships, policy & platforms: How the community development finance sector is supporting historic entrepreneurship growth in the U.S.
New technologies, a surge in federal funding, and strategic partnerships are driving rapid growth of the community development finance sector and bolstering resilience.

Fueling small business growth in the United States: Meet the Mastercard Strive USA Innovation Fund winners
Meet the Strive USA Innovation Fund winners using AI, data, and climate-smart finance to expand capital access and fuel growth for underserved small businesses across the United States.











































