Impact Investing

Do more with your money.

Impact investments are designed to generate a measurable social return alongside a financial return.

When you invest with VCC, we can help you or your organization impact your community. We offer impact investment products to individuals, businesses, non-profits, financial institutions, municipalities, and foundations.

Your investments with VCC are used to create opportunity in underserved areas of the Commonwealth, supporting job creation, affordable housing options, energy efficiency, healthy food access, and community revitalization.


Virginia Community Capital’s banking subsidiary, VCC Bank, is an FDIC-insured, certified community development bank. VCC Bank offers banking products tailored to community banks and socially conscious investors. We also provide consumer and business deposit products, including checking, savings, and certificates of deposit. Your funds earn a market rate of return, and are reinvested to educate, grow, and build sustainable communities in Virginia.

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VCC works with grantors and donors to grow our community programs, provide advisory services, leverage private capital, support operating costs, and advance new products in community development financing. VCC is a 501(c)(3), and therefore grants and donations are tax-deductible to the full extent permitted by federal law.

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Program Related Investments

PRIs to our non-profit certified loan fund support specific community development programs, such as healthy food access, affordable housing, or expanding clean energy. Opportunities for targeting specific geographies and or other focus areas are available. Below-market rates allow VCC to maintain affordable rates to our borrowers and advance our mission to create jobs, promote vibrant places, and enhance the quality of life for all Virginians.

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Richmond Realtors Association's Quality of Life Strategy

Richmond Association of REALTORS® (RAR) launched their “Quality of Life” investment strategy in May of 2016. This strategy is funded through a loan to Virginia Community Capital (VCC) and donations to The Community Foundation Serving Richmond and Central Virginia (TCF). In this model, RAR is bringing together impact investing and philanthropy to tackle affordable housing and education issues in the Richmond region.

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