Financial markets are not working for charities and social enterprises today. Most traditional financial intermediaries, like banks, are focused on short-term returns and deem unsecured lending to charities and social enterprises to be too risky. If financing is offered by a bank, the terms are often too onerous. As a result, charities and social enterprises do not have the cushion of external financing to manage their various capital requirements. Like any small business, they need working capital to balance out the peaks and troughs of their business cycle. Sometimes they need bridging capital to pay for projects that are being grant-funded upon completion. And for their long-term success and ability to scale, they need access to development capital to fund capital investments and the development new income streams. This lack of affordable funding limits their ability to deliver on their mission, hampers their ability to grow, and constrains their positive impact on society.