Directing capital to indigenous communities is challenging because the enterprises are usually remotely located, under-resourced and small, making them higher risk and more costly to service than other investments. With capital in the form of recoverable grants, The Reciprocity Fund is able to efficiently support the growth of social enterprises in indigenous communities, bringing solutions to scale than can preserve land, traditions, and ancestral knowledge that benefits agriculture, medicine, and culture globally.
Your recoverable grant to The Reciprocity Fund is pooled with other recoverable grant dollars and 100% is used to fund loans to social enterprises that support indigenous communities. All administrative costs of the Fund are covered by the 8% interest rate paid by borrowers and by our seed investor. At the end of the seven-year grant period, your grant will be returned less your pro rata share of any loan losses experienced.