The Disability Fund, Inc.

The Disability Opportunity Fund exists to finance solutions for people with disabilities and their families. Investment in this largely untapped market yields double bottom line results – a reasonable financial return backed by sound state-of-the-art CDFI management and industry knowledge, and the social return of increasing access to housing and other services for historically hard to reach and underserved markets.

The disability market is an ever-present, ever-growing opportunity: One in five people -- twenty percent of the U.S. population (nearly 60 million Americans) -- identify themselves as people with mental or physical disabilities, making this the single largest minority group in the United States. Currently the world of service and support organizations for people with disabilities remains inefficient. It is a non-intuitive patchwork of private and public entities, with little direct involvement beyond charitable support from the general business community.

The Disability Opportunity Fund (“The DOF”) is changing that by providing innovative yet practical solutions for people with disabilities.

Financial description

Portfolio Performance: Our portfolio is performing exactly as we budgeted since inception of The DOF. Our cost of capital has been in the 0-3% range and our clients are borrowing our funds at an average of 6%. In addition, in our three years of lending, we have experienced neither a default nor a delinquency on any of our loans. Finally, five of our loans have been repaid in full.
Our accomplishments and methodology have provided us the opportunity to develop a strategy to achieve “self-sufficiency” as an organization by steadily growing our loan capacity while maintaining a conservative balance sheet, encouraging participation in our loans by additional CDFIs and continually managing the pipeline of demand for our funds.