B Generous is a leading Financial Technology company which has built the world’s first and only integrated lending and deposit/banking marketplace for nonprofits, providing both capital access for nonprofits, and institutional-grade deposit solutions through our national network of financial partners. The B Generous platform seamlessly connects mission-driven organizations with the capital they need to scale.
The B Generous marketplace facilitates financing solutions for nonprofits ranging from $50,000 to $50 million, secured against predictable revenue streams such as government grants, multi-year pledges, and earned income, as well as other forms of collateral including real estate, endowment assets, equipment, and investment accounts.
While often overlooked, the U.S. nonprofit sector is the world’s fifth-largest economy on its own and represents an institutional market with commercial-grade stability. U.S. nonprofits hold over $14 trillion in assets and derive 81% of their revenue from earned income, operating like growth-oriented businesses, but historically unable to borrow like them. For decades, nonprofits have lacked access to tailored credit and cash-management solutions, even though they collectively have nearly half a trillion dollars in cash sitting in non–interest-bearing accounts today. B Generous is the only marketplace that efficiently connects banks to this massive and creditworthy vertical, transforming nonprofit liquidity and borrowing needs into high-quality deposit and asset opportunities.
B Generous empowers lenders to deploy capital faster, win new deposits, and build lasting relationships with exceptional borrowers, all at zero cost. Joining and lending in the marketplace is completely free.
✔️ Free Access to Deposits and High-Quality Loans: There is no cost to lend or accrue deposits in the B Generous marketplace, it is completely free for your institution to join up and access the largest nonprofit lending and deposit marketplace in the world.
✔️ New Deposit Relationships: Every loan originated brings new, stable nonprofit deposits to your institution, boosting your balance sheet.
✔️ CRA-Eligible Deals: Seamlessly source high-impact, CRA-qualifying loans through our platform, helping you meet regulatory requirements while funding meaningful causes.
✔️ Excellent Credit Performance: Access a portfolio of high-performing, low-risk nonprofit loans. Originated loans in our marketplace that meet our current credit criteria have maintained a 0% default rate to date.
✔️ New Lines of Business: Merchant Processing & Treasury Management Opportunities: Earn new revenue from merchant card processing and treasury management on donation transactions and nonprofit deposits, where nonprofits have $424 Billion in cash in non-interest-bearing accounts.
✔️ Underwriting Cost Coverage for Your Institution (first of its kind): We reimburse your underwriting expenses up to $1,000 per declined loan submission, a first-of-its-kind guarantee that reflects our confidence in the quality of deals in our marketplace.
B Generous was built to solve a structural market failure: nonprofits represent one of the largest, most stable segments of the U.S. economy, yet most lenders lack the tools, data, and systems to underwrite them efficiently. Our platform removes those barriers by combining proprietary data, AI-driven underwriting, and a purpose-built loan origination system into a single marketplace that works for regulated financial institutions.
Step 1: We Aggregate and Pre-Qualify Demand at Scale B Generous operates one of the most efficient nonprofit-specific demand engines in financial services. Through highly optimized digital marketing and nonprofit-focused distribution, we attract over 15,000 nonprofit borrowers annually actively seeking capital. Our funnel materially outperforms industry benchmarks across cost per lead, conversion rates, and borrower intent, resulting in a large and continuously replenished pool of commercial loan requests. Critically, this demand aggregation is done entirely at B Generous’ expense. Lending partners incur no acquisition cost and no sourcing risk—they simply access opportunities already flowing through the marketplace.
Step 2: We Translate Nonprofit Financials into Bank-Readable Credit Signals Traditional bank underwriting often struggles with nonprofits because it relies on models built for for-profit businesses. B Generous solves this by converting nonprofit-specific financial data into standardized, decision-ready outputs. Our proprietary “SmartScore™“, the world’s first machine-learning credit model designed exclusively for nonprofits, is trained on approximately 1.85 million IRS Form 990s records and nearly one billion nonprofit financial data points. The model evaluates liquidity, leverage, net asset trends, revenue composition, and operating surpluses—metrics that actually predict nonprofit credit performance. The result is a model that correctly predicts 97% of nonprofit loan defaults, dramatically reducing information asymmetry for lenders
Step 3: We Absorb the Heavy Underwriting Lift Upfront and Reimburse Lenders for Their Underwriting Costs Before a lender ever reviews a deal, B Generous performs a comprehensive credit analysis internally. Using our AI-enabled Lending Origination System—developed in partnership with Decipher Credit Solutions—we automate financial analysis, generate credit memos, and apply consistent underwriting standards across every submission. This process filters out unqualified borrowers early and ensures that lenders only see opportunities that meet defined credit criteria. Because we are confident in this pre-screening, we go further: we reimburse lenders up to $1,000 in underwriting costs for declined deals, a first-of-its-kind guarantee that directly improves lender unit economics (Terms and Conditions Apply).
Step 4: We Deliver Loans That Convert Into Long-Term Relationships Once a loan is originated, B Generous’ structure naturally converts credit exposure into broader banking relationships. Nonprofits hold significant operating balances—hundreds of billions of dollars nationally—and loan proceeds typically flow into deposit accounts at the originating institution. Over time, these relationships expand into treasury management, cash management, and merchant processing as nonprofits route donations and earned income through the bank. In this way, B Generous does not just help lenders book loans; we help them acquire sticky, relationship-driven deposits and fee-based revenue streams.
Step 5: We Enable CRA-Eligible Lending Without Operational Burden A substantial portion of nonprofits on the B Generous platform serve low- and moderate-income communities and historically marginalized populations. Because we collect detailed mission, geographic, and programmatic data during underwriting, lenders can confidently identify CRA-eligible opportunities without building separate compliance workflows. The platform allows banks to deploy capital in alignment with regulatory objectives while maintaining strong credit discipline
https://bgenerous.com/