Your balance sheet

Your impact

Looking to sell loan participations to more easily manage your portfolio? The Ponder search tool helps you discover the historical¹ purchase demand for CRA eligable loan participations in your geographies.

When you free your balance sheet, you have more impact

Interest rates have made it even harder for credit unions and banks like yours to sell loans on your balance sheets, stifiling your ability to provide further crucial, accessible, and affordable financial services to your communities. Koi offers your financial institution a solution.

Koi targets your loans originated in low- to moderate-income (LMI) designated communities

Small business loans and mortgage loans originated in LMI communities or to LMI individuals qualify under the Community Reinvestment Act (CRA). Community, regional, and national banks are seeking opportunities to buy loan participations in CRA eligible loans, in order to meet their regulatory obligations and better serve their communities. With Koi, finding, matching with, and selling to these buyers has never been easier.

List

Effortlessly submit a listing to inform interested banks and CDFIs about the loans you're willing to sell participations in.

Sell

Our technology works for you, automatically connecting you with aligned banks and CDFIs who will purchase your CRA eligible small business and mortgage loans.

Reinvest

With newfound balance sheet flexibility, you can continue to do what you do best - invest in your community!

Team and advisors

At Koi, we believe that the social, health-related and economic disparities that disproportionately affect diverse Americans highlight the urgent need for wealth mobility. Addressing these capital access challenges will contribute to a systemic solution for our communities.

MIT

Harvard

Fifth Third Bank

Schmidt Futures

Sofi

Wells Fargo