SEO Meta Tags ArkP3 | Public-Private Lending Partnerships for Small Business Growth ArkP3 | Supporting Mission Driven Lending

Dedicated to
supporting investments in small businesses
and communities through
Public Private Partnerships

Services & Benefits

ArkP3 serves mission-driven lenders,
also referred to as Development Finance Organizations (DFOs),
which play a vital role in fostering economic growth and opportunity.

Services

DFOs are entrusted with administering revolving loan funds, typically awarded by federal agencies, state and local governments, and philanthropic foundations. Through their core mission of providing access to capital, DFOs empower small businesses and communities driving economic development.

Our Clients Include:

  • Economic Development Districts
  • Intermediary Relending Programs
  • Certified Development Financial Institutions
  • City & county agencies, and nonprofit organizations

Our Client's Loans Offer

Small businesses access to capital for the acquisition of equipment and real estate, to fund start-ups, and to provide working capital that support business operations and growth.

Benefits

ArkP3’s experienced portfolio management and lending team is committed to providing DFOs access to the best credit analysis and loan servicing tools available.

Services also include assistance with marketing to deploy capital and fund raising to help grow their asset base. ArkP3 offers pricing based on the DFO's total assets under management.

DFO Benefits Include:

  • Continuity of service
  • Lower employment costs
  • Income for operations and to offset losses
  • State and federal reporting
  • Financial reports & audit support
  • Improved portfolio performance
  • Achieving economic goals

The ArkP3 Solution

Streamlines Small Business
Lending Operations

Our solution offers a comprehensive suite
of small business lending services to DFOs that includes:

Program Design & Marketing
  • Develop new & modernize existing lending programs
  • Marketing plans to increase awareness and accessibility
  • Standardized loan structures to share with referral partners
  • Identify referral and technical assistance networks
  • Identify and develop partnerships with local banks and credit unions
Credit Analysis & Origination
  • Comprehensive credit analysis and underwriting
  • Preparation of federal and state compliant loan documents
  • Disbursement of funds in accordance with loan approval
  • Properly secure loans
Loan Servicing & Collections
  • Monitor and process loan payments
  • Collateral releases and substitutions
  • Manage modifications, forbearances, and deferrals for workouts
  • Orderly liquidation of assets on defaulted loans
Reporting & Portfolio Management
  • Periodic financial and pipeline reports
  • Preparation of governance reports for boards and federal & state agencies
  • Loan risk rating & allowance for loan loss
  • Access to high yield insured cash accounts

Our Story

The ArkP3 lending team brings a wealth of experience from traditional banking in the commercial and industrial lending industry. Through this foundation, we forged strong relationships with Development Finance Organizations (DFOs), recognizing their pivotal role in driving economic growth by providing small businesses with access to capital to fund startup, and expansion preparing the companies to qualify for conventional bank financing.


Our dedication to small business success drew us to the development finance sector, where we deepened our proficiency in managing diverse financial instruments, including direct loans, loan guarantees, private activity bonds, municipal bonds, incentives, and tax-credit programs. By cultivating robust networks with federal, state, and local agencies, we design programs tailored to meet the evolving needs of small businesses.


Observing a concerning decline in DFO capital deployment, particularly in rural communities, our founders identified key challenges: the consolidation and centralization of credit decision-making in banking, significant infusions of federal and state funding, and the retirement of seasoned economic development lending professionals. These shifts have strained DFOs ability to attract and retain the skilled talent needed to effectively manage portfolios of revolving loan funds.


In response, ArkP3 was established utilizing a Public Private Partnership (P3) model, to provide DFOs with affordable, high-quality, and reliable services that advance their economic development objectives. As trusted advisors, we offer expertise and strategic guidance to navigate the complexities of small business loan financing and portfolio management.


At ArkP3, our team is passionately committed to empowering entrepreneurs by supporting DFOs and fostering partnerships that enhance capital accessibility for small businesses. Leveraging our scalable systems and ability to attract top-tier talent, we deliver cost-effective solutions for deploying and servicing capital, ensuring sustainable impact in the communities we serve.

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