Patient Capital for Louisville's
Small Businesses and Homeowners
LHOME provides affordable loans and individualized financial services to homeowners and small business owners across Jefferson County, especially those who face barriers to traditional financing.
What We Do
LHOME is Louisville's only homegrown Community Loan Fund certified by the U.S. Treasury as a Community Development Financial Institution (CDFI). We provide affordable loan products and financial coaching to homeowners and small business owners across Jefferson County who face barriers to traditional financing (limited credit history, unconventional income, or insufficient collateral) offering flexible capital that builds wealth rather than extracting it.
Our loan products include home repair financing, property tax assistance, and small business loans, all designed to preserve homeownership and support entrepreneurship in Louisville's, particularly in our most underserved communities. By providing a responsible alternative to predatory lending, LHOME helps Louisvillians build intergenerational wealth through ownership while strengthening neighborhoods and the local economy along the way.
U.S. Treasury certified since 2018
over $8 Million
deployed in affordable loans
450+ borrowers
served across Jefferson County
Why CDFIs Matter
​CDFIs like LHOME exist to deliver what conventional finance cannot: responsible, affordable capital in communities long overlooked by mainstream lenders. Nationally, every $1 of federal CDFI Fund investment leverages roughly $8 in private capital, fueling small businesses, preserving homes, and building wealth in neighborhoods where access has historically been denied. The model is proven, measurable, and locally rooted.
​
Louisville lags its peer cities by 91.14% in CDFI investment flows. In 2017, Louisville ranked last among its peer cities in CDFI investment per capita, at less than $1 per resident. As of 2023, Louisville averaged approximately $10 per resident annually in CDFI lending. An improvement, yes, but still drastically short of the national U.S. average of $40 invested per resident.
Mrs. B, Parkland homeowner
After more than 30 years in her home, Mrs. B. worried her credit score would prevent her from maintaining her most valuable asset. Through LHOME, she secured an affordable home repair loan to replace her roof and flooring, and found the peace of mind that comes with knowing her family home is properly cared for.
Get Involved
Our Clients
