We Have Two Bay Areas

The Bay Area economy is thriving.
But not everyone is benefiting.

4xA baby born in Bayview-Hunters Point is 4x more likely to die within her first year than an infant in any other part of San Francisco.

1 in 51 out of 5 children in Alameda County does not have enough food to eat.

1 in 41 in 4 renters in the Bay Area spend over half of their income on rent and struggle to afford other household necessities.

Invest With Meaning

For 34 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.

  • Competitive

    1% – 4%

  • Flexible

    6 months – 10 years

  • Minimum Investment


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 local 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 reports

Our Impact In The Bay Area


  • 45,000
    Jobs Supported

  • 150,000
    Childcare Slots

  • 23,000
    K-12 School Seats

  • 24,000
    Affordable Housing Units

  • 73,000
    Health Clinic Visits

Stories of Impact

Successful track record. Institutional Quality.

Over the past 34 years LIIF has invested $2.5 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, CO, CT, 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.