Based on the spirit of cooperative economics, BCIF is a 501(c)3, community-based organization that provides microloans to the Black community through pooled dollars and raises awareness about the importance of economic empowerment, equity, and wealth building, with a specific focus on communities in the Southern California region. Our vision is to provide a dedicated, reliable, and perpetual source of capital to create assets and build wealth for, and within, the Black community, while also serving as a catalytic force for building a critical mass movement of change based on economic imperatives. Our long-term goal is to be a long-standing, trusted and respected partner within the ecosystem of efforts that proactively address the racial wealth gap by helping our funded Black-owned businesses maintain or increase their annual gross revenues, maintain or increase the number of jobs they provide, and strengthen their readiness for accessing capital.