We launched Creativeinvest.com on November 16, 1995 and MinorityFinance.com in 1998. Since then, we have helped a generation of businesses.
We provide online business financing research and host a number of investing seminars, classes and videos. We offer consultation services specifically focused on the needs of women and minority-owned firms. We explain new small business financing tools and techniques, like the Opportunity Zone Program, the New Markets Tax Credit Program, crowdfunding, NFTs, and Cryptocurrency.For more, see our book on crowdfunding: The JOBS Act: Crowdfunding Guide to Small Businesses and Startups 2nd Edition, Kindle Edition.
MinorityFinance.com helps women and minorities obtain information on financing and running a business.
We were the first website focused on women and minority business financing specifically. We have been cited in the Wall Street Journal, the Washington Post, the American Banker Newspaper, JET and Black Enterprise Magazine and other publications as providing unique, value-adding insight, advice and assistance. For more, see our book, Thriving As a Minority-Owned Business in Corporate America: Building a Pathway to Success for Minority Entrepreneurs 1st ed. Edition.
Women and minority firms have a difficult time obtaining personal and business financing. We all know why (bigotry, sexism, racism), but we do not shy away from the REAL reasons, unlike virtually everyone (NCRC, NAACP, Urban League, CDFI Fund, Operation HOPE, etc..) else in this space. This gives us the ability to more accurately forecast whats coming down the pike and allows us to develop solutions and make recommendations that are more effective than pretending racism does not exist. Nor do we buy into the argument that citing it means you are playing "the Race Card" and just complaining, giving up. (Hat's off to whatever racist came up with THAT - there is no race card. There is only history...and facts.) Our goal is to help provide access to small business loans, personal loans, car loans, student loans and other financing resources at insight competitive rates, in a timely manner.
If you can't acknowledge a problem, you are unlikely to come up with a solution. We have been highlighting problems in the financial marketplace and designing solutions since 1990. We created the first social and financial impact investing methodology, the Fully Adjusted Return (TM) index in 1991. In 1993, we warned the US Securities and Exchange Commission about the Nigerian letter scam well before anyone else. We created a refinancing plan for victims of predatory lending in 2001. We also warned the SEC - in 2003 - that a financial crisis, based on racial discrimination, was brewing that would negatively impact the entire economy. In 2006, we created Diversity Index Investing. On June 11, 2016, we predicted the election of Donald Trump. Recently, we posted a class on financing a Black woman owned business. We are developing targeted high social impact investments. We can help you, too.
We provide insight on all funding options: banks, cryptocurrency, credit cards, credit unions, community development financial institutions, crowdfunding, New Market Tax Credits, Opportunity Zones, whatever works.
We scan the industry to provide current, accurate information about the REAL cost of financing. We highlight hidden costs, fees and charges, including hidden costs due to racism and sexism.
We don't work for or take money from financial institutions. We are NOT a bank or financial institution, so your money is never at risk with us.
People work with us because our advice WORKS.
“I can't thank..you enough for what you have done to help shape the minds of Georgetown Law students about their future careers in law and business”
“Mr. Cunningham is a man of integrity who is very knowledgeable and gives great advice. It was a pleasure speaking to him about my vision and learning from his years of experience.”
Our mission is to deliver objective, unbiased, and honest information.
