MILL CITIES COMMUNITY INVESTMENTS

Growing Assets and Wealth through Community Investments

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Our Products

Small Business Owner

Small Business Capital Products

If you are looking for funds to launch or expand your small business, MCCI offers a range of low-cost, flexible debt and equity capital products.  We also provide entrepreneurs one-on-one advising and financial education.

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Home Improvement Loan Products

If you are looking for funds to make home improvements or energy-efficient home upgrades, we have a range of low-cost, flexible financing options to improve the safety, health, and energy efficiency of your homes.

House Windows & Roofs

Who is MCCI?

Mill Cities Community Investments’ (MCCI) mission is to grow the assets and wealth of historically disinvested individuals and their communities by providing robust advice, resourced networks, and capital investment. 

Young Business Owner

As a Community Development Financial Institution (CDFI), MCCI is a financing and lending alternative for businesses and homeowners. MCCI specializes in the following:

Financing in under-resourced communities

Identifying and providing innovating solutions for capital needs

Being flexible with our underwriting process

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"Our vision is to collapse economic and racial inequality and grow sustainable, thriving, and diverse communities. Assistance available in English and Spanish."

Impact & Success Stories

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Japu

Small Business Community Loan and Business Training Client

Japu restaurant, located in downtown Lawrence's historic Duck Mills building, is owned and operated by the mother-daughter team Nieves Torribio and Delania Acosta and with brother/son Arturo Acosto as the head chef who brings extensive experience in the restaurant industry. Japu brings a unique fusion of Japanese and Peruvian cuisine to Lawrence, MA with all original recipes. 

Nieves and Delania worked with Mill Cities Community Investments’ (MCCI) staff to develop a business plan and financial projections for the restaurant before they opened Japu. With a business plan and savings, they qualified for a $50,000 community loan through the Lawrence Venture Fund to open Japu’s doors in 2018, employing nine full-time employees. Japu’s owners continued to benefit from MCCI’s programs, graduating from Bookkeeping, QuickBooks, and Tax Prep classroom training. 

During the height of the pandemic, MCCI provided one-on-one support to help Japu qualify for a $60,000 Paycheck Protection Program loan that helped keep their staff onboard and their doors open.