Download - Soccap 8 31 09ppt
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SOCIALLY RESPONSIBLE COLLABORATION & BANKING YOUR VALUES
OneCalifornia BankOneCalifornia FoundationInner City AdvisorsImprint Capital Advisors
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PANEL PARTICIPANTS
Moderator: Salvador Menjivar, Executive Director, OneCalifornia Foundation
Kat Taylor, Founder OneCalifornia Bank & OneCalifornia Foundation
Jeff Cheung, President & CEO, OneCalifornia Bank
Jose Corona, Executive Director, InnerCity Advisor
Taylor Jordan, Co-Founder & Managing Director, Imprint Capital Advisors
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CREATING AN INNOVATIVE SOCIAL BUSINESS IN A BANKING STRUCTURE Basis of OneCalifornia Bank
OneCalifornia Bank Our Model..One of a few nationally chartered financially institutions
Role of OneCalifornia Bank
Innovative Role of OneCalifornia Foundation
Examples of collaboration with Community Based Organizations for Economic Development & Financial Literacy
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INNER CITY ADVISORS
Inner City Advisors Focus on Inner City Businesses-Oakland Superior Business Advisory Services Hybrid Financing: New Model
Co-lending Subordinated Debt Guaranty Equity
Example of Collaboration & Innovation
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IMPRINT CAPITAL ADVISORS Leveraging Capital for Social Impact & Social
Return
Directing Mission Related Investments to key on the ground level organizations
Leading edge application of funds from programs, deposits to lending
Working with OneCal & other partners to “strategically connect the dots” 5
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HYBRID FINANCE MODEL-MOVING GRANTS, PRIS, MISSION RELATED DEPOSITS, EQUITY INTO THE COMMUNITIES
Key Success Factor: Proper Feet on the Street to Execute
Needs: Advisory Partners Financial Service Provider Deal Flow Crisp Execution Reporting: Output, Outcomes and Financial
Impact
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WHY
More Effective Vehicles than PRIs (Program Related Investments) Mission-related Deposits Subordinated-Debt Lease Finance / Guaranties Equity Stakes Collaborative Consulting Services
Need those on street who can source, underwrite and monitor these types of investments
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“CONNECTING THE DOTS: EXAMPLES”
Foundations “lending” & Bank leveraging the lending
Strategic Collaboration: Inner City Advisors sources a deal & provides
consulting services to business owners OneCalBank underwrites lending needs & provides
banking services Imprint Capital brokers “capital / participating loans” Team plans for Growth Trajectory Not giving control for expensive VC capital OneCal Foundation: Financial Education & Literacy
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IMPLICATIONS Progressive Practices-But business discipline
always
That may mean collaboration and consolidation, especially for Non-Profits, who need to have business discipline too
Investors need to insist on financial sustainability as well as social/environmental outcomes And they need to plan an exit
Also, what is scale? Is it different for different strategies? Organic growth, large capital infusion, networks of like-minded entities, etc.
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SOCIALLY RESPONSIBLE BANKING…BANKING YOUR VALUES.. JOIN THE MOVEMENT
Working collaboratively How to Participate:
“Bank your values” Both personally & organizationally
What do you get out of it Conscious Consumerism Don’t “Green Wash” Yourself Become part of the Change
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