Our Investment Model

EverGift transforms charitable donations into loans for early-to-mid-stage social enterprises. Diverse sectors of social businesses alleviate poverty and improve the benefits of education, which we believe is the universal gateway to prosperity. EverGift is dedicated to a supporting the following sectors which have proven to influence quality of education; innovative learning programs, fair financial inclusion and small business development for low income or marginalized communities, women’s empowerment programs, health care services, clean energy, safe drinking water or reliable housing.

How It Works:


Our Criteria

EverGift is committed to invest in innovative companies that transform the way the world combats poverty.

Education, Women’s Empowerment, Economic Inclusion, Health, Water, Housing, Agriculture, Energy, or Economic Development.
Early-to-mid-stage companies looking to scale. We rarely invest in start-up companies but we are happy to review your business, if we can’t help you out we will refer you to someone who can!
Investment Size:
$1k+ structured as debt.
Loan Terms:
Custom terms depending on the needs of the business.
Strong Management Team:
Management team must be experienced, skilled to compete in the commercial market, and must have strong will and vision committed to serving the poor and the marginalized. Personnel must display a steadfast code of ethics.
Significant Social Impact:
Provide a product or deliver a service that addresses a critical need for a marginalized demographic. The company makes this product or service better available to the needy than the market or charitable distribution is able. The company does this both/either through economic discounts and/or geographic location. We are also highly interested in the number of quality, family-sustaining jobs created or retained by the company and the number of forecasted jobs if an expansion is in your plan.
Operating Agreement:
Detail profits as revenue surplus channeled into expansion or improvement of social impact.
Financial Sustainability:
Demonstrate the potential for financial sustainability within a five year period; including the ability to fully cover operating expenses with operating revenue. Grants may supplement revenue to cover costs, forecasting grant allotment should be conservative and based on financial history.
Achieve Scale:
Must have a researched plan that details how the loan will scale the number of patrons or make necessary improvements to impact. The company should be positioned to become one of the leading service or product providers in their market.
The two social enterprise structures that EverGift works with show the unique ability to generate enough revenue for a loan to be exponentially beneficial.

Hybrid non-profit ventures
The entrepreneur sets up a non-profit organization but the model includes some degree of cost-recovery through the sale of goods and services to a cross section of institutions, public and private, as well as to target population groups. Often, the entrepreneur sets up several legal entities to accommodate the earning of an income and the charitable expenditures in an optimal structure. To be able to sustain the transformation activities in full and address the needs of clients, who are often poor or marginalized from society, the entrepreneur must mobilize other sources of funding from the public and/or philanthropic sectors. Such funds can be in the form of grants or loans, and even quasi-equity. (1)

Social business ventures
The entrepreneur sets up a for-profit entity or business to provide a social or ecological product or service. While profits are ideally generated, the main aim is not to maximize financial returns for shareholders but to grow the social venture and reach more people in need. Wealth accumulation is not a priority and profits are reinvested in the enterprise to fund expansion. The entrepreneur of a social business venture seeks investors who are interested in combining financial and social returns on their investments. (1)

Loan Process

Our potential investments are closely examined by our Investment Committee who uses their cumulative knowledge to reduce default risk and assess product/service viability.


Potential investments are identified through both business plan submissions and proactive research by the EverGift management team. All investments go through an Initial Due Diligence process in which the potential investment opportunity is vetted and discussed by senior members of the EverGift Executive Committee. Investments that make it though our Initial Due Diligence then receive Full Due Diligence from our experienced research team, this process includes a review of the enterprise and it’s leaders in the general areas of (1) social impact, (2) financial viability, (3) operations, (4) management, (5) accounting and (6) legal. Given the organization meets all Full Due Diligence requirements, the investment opportunity is then presented to the Investment Committee, which is responsible for conducting the final discussion on the potential investment. The Investment Committee is ultimately responsible for approval or rejection of a investment.

Sources: (1) Schwab Foundation, www.Schwabfound.org.