, and basic consumer needs to enable colonia families to become full participants in American society. We recognize that colonia residents, despite the challenges, want a better future... for their families. We believe that colonia residents can be successful borrowers, but recognize that this can only be accomplished by taking into consideration the realities... provides loan products to colonia residents who have no access to traditional financial institutions. In addition we provide Savings Projects - Individual Development Accounts...

Development Human Development About Us Our Obligation ACLF was established in response to the financial needs of colonia residents who have no access to traditional financial... partnership that we can overcome the age-old barriers of exclusion and economic injustice. Our executive board is composed of 2/3 colonia residents and a board committee of colonia... resident members is involved in the research and development process. ACLF is the only loan fund in the region designed to meet the non-traditional needs of the target population...

Overview Investing in the future of families ACLF provides loan products to colonia residents who have no access to traditional financial institutions. It invests in the future... of employment as a primary criteria for loan approval, ACLF takes the cyclical or temporary nature of employment of many colonia residents into account and will not exclude them based upon... payments in anticipation of periods of little or no income. ACLF lending policies Further, while an inadequate credit history will frequently prevent colonia resident from obtaining...

to their community, as well as to the general economy. A micro-business loan leverages the entrepreneurial spirit of colonia residents to start or expand a home based business. ACLF s... old trailer in a colonias. They heard about ACLF and applied for a home loan. It came in real fast and I was surprised. But we bought the house. Once the family was settled... Economic Opportunity Loan is its second most important product. To date, over 155 colonia families have received these loans to support micro-business development. The loans...