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impact-ledger 📊

Open source impact investment portfolio tracker for CDFIs, private debt, and community development finance.

Track loans, NMTC deals, grants, and equity investments alongside social impact metrics — jobs created, affordable units financed, borrower demographics, and geographic reach. Generate standardized CDFI Fund-style reports in Python.


Why impact-ledger?

Impact funds tracking private debt, community facilities, and social impact metrics currently have two options: custom Excel spreadsheets or $50k+/year proprietary CRM software. impact-ledger is the open source alternative — standardized, auditable, and free.


Installation

pip install impact-ledger

Quickstart

from impactledger import loan, nmtc, grant, add_impact, Portfolio
from impactledger import cdfi_fund_report, sector_impact_report

# Create a portfolio
p = Portfolio(name="CDFI Impact Fund I", vintage_year=2022)

# Add a loan with impact metrics
inv = loan(
    name="Southside Health Center",
    amount=2_000_000,
    interest_rate=0.045,
    date_closed="2023-01-15",
    maturity_date="2033-01-15",
    state="IL",
    borrower_name="Southside Health Inc",
    borrower_type="nonprofit",
    sector="healthcare",
    is_low_income_area=True,
    is_minority_borrower=True,
)
add_impact(inv, jobs_created=25, jobs_retained=40, patients_served=5000)
p.add(inv)

# Add an NMTC deal
deal = nmtc(
    name="Detroit Manufacturing NMTC",
    amount=8_000_000,
    date_closed="2022-06-01",
    maturity_date="2029-06-01",
    state="MI",
    borrower_name="Detroit Advanced Mfg Co",
    sector="small_business",
    is_low_income_area=True,
)
add_impact(deal, jobs_created=45, jobs_retained=60)
p.add(deal)

# Portfolio summary
p.summary()

# Generate reports
cdfi_fund_report(p)
sector_impact_report(p)

# Export to DataFrame
df = p.to_dataframe()

Investment Types Supported

  • loan - Private debt / direct lending
  • equity - Equity investment
  • grant - Grant or forgivable loan
  • nmtc - New Markets Tax Credit investment
  • guarantee - Loan guarantee
  • bond - Bond or debenture

Impact Metrics Tracked

  • Jobs created and retained
  • Affordable housing units financed
  • Community square footage
  • Businesses supported
  • Patients served
  • Students served
  • Borrower demographics (minority, women, low-income)
  • Geographic reach (state, census tract, rural/urban)

Reports

  • cdfi_fund_report() - CDFI Fund Annual Certification Report format
  • sector_impact_report() - Impact breakdown by sector
  • watchlist_report() - Impaired and watch-list investments

Running Tests

PYTHONPATH=. pytest tests/ -v

27 tests across all modules.


Who This Is For

  • CDFI loan officers tracking portfolio performance and impact
  • Impact fund managers reporting to LPs and board
  • Researchers studying community development finance outcomes
  • Anyone replacing a bespoke Excel impact tracker with Python

License

MIT 2026 Jaypatel1511

About

Open source impact investment portfolio tracker for CDFIs, private debt, and community development finance — track loans, NMTC deals, grants, and equity investments alongside social impact metrics

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