Subordinated Debt

Subordinated Debt is a capital resource that catalyzes credit union growth and community impact. For qualifying credit unions and cooperativas, subordinated debt counts towards a credit union’s regulatory net worth, providing capital to support growth, expand reach into underserved markets, develop and expand impact loan products and invest in strategic growth.  

With more than 25 years of experience as the first national and only impact lender of secondary capital for NCUA regulated credit unions and COSSEC regulated cooperativas, Inclusiv offers CDCUs—including cooperativas — expertise on the regulatory, financial and strategic insights on using subordinated debt to strengthen balance sheets, ALM and community impact.  

Inclusiv works with you to understand your credit union’s needs, growth goals and impact strategies.  

To learn more about how subordinated debt can help to catalyze growth in your community and whether it is a good fit for your credit union, contact us at capital@inclusiv.org.