1.  Eric Wu Account Manager The Hilltop Microfinance Initiative Paige Hannah Loan Officer

2. HMFI: Who Are We? 501(c)(3) Nonprofit Georgetown University DC, Maryland, Virginia 3 services – Small Business Loan – Business Consulting – Credit Builder Program

3. HMFI as a Stepping Stool Access to traditional financial institutions Underbanked segment of society Small Business Loan & Business Consulting Credit Builder Program

4. What is Credit? 300 – 850 “Creditworthiness”

5. Building a Bridge Holistic approach Securing funding

6. The Loan Two loans Three tradelines Improve credit score 50-100 points “No score” will improve to 600

7. The Loan: Part 1 $480 loan, no interest $40/month payments over one year Credit reported through the Intersect Fund

8. The Loan: Part 2 Apply for a Capital One Secured MasterCard credit card $29 annual fee $200 security deposit

9. The Loan: Part 2 $65.95/month payments over 8 months – 10% interest rate Pay one small monthly bill $50-$150 Credit reported through Capital One

10. Total Cost to Client FeeCost Capital One secured credit card annual fee $29.00 Capital One secured credit card security deposit $200.00 Loan interest payment$7.57 Total Cost$236.57

12. Financial Literacy Understand credit and types of debt How to read your credit report How to issue a credit dispute How to improve your credit score Short and long-term goals And much more!

13. Credit-Reporting Capabilities Intersect Fund makes first loan installment possible Lender’s License for reporting in DC and Maryland Red tape & DC bureaucracy Capital One Secured Mastercard

14. Looking Ahead Credit Tune-Up Future of the Credit Builder Loan

15. Works Cited http://www.wikihow.com/Improve-Your-Credit-Score http://www.lowes.com/pd_225449-287-S243-6_0__?productId=3380042 http://commons.wikimedia.org/wiki/File:Credit-score-chart.svg http://ieas.berkeley.edu/cjs/visiting_scholars_additional_information.html http://www.eventbrite.com/o/the-intersect-fund-1512111200 http://www.sociallendingwatch.com/wp-content/uploads/2012/06/money_lending.jpg http://commons.wikimedia.org/wiki/File:Octicons-mortar-board.svg https://www.capitalone.com/ http://www.washingtonpost.com/wp-dyn/content/gallery/2010/01/14/GA2010011403123.html http://www.remsol.co.uk/12/section.aspx/258