The Coalition for Responsible Business Finance

The Coalition for Responsible Business Finance (CRBF) is a group of businesses and service providers that advocate for the value of alternative financing opportunities for small businesses.  CRBF was created to educate state and federal policymakers, media, and communities on how technology and innovation are providing small businesses access to capital that is necessary for growth.  The Coalition's purpose is to bolster the trust and credibility of the Non-Bank Small Business (NBSB) lending and finance industry through responsible business practices while ensuring that online products and services meet the needs of America's small business community.



The purpose of the Coalition for Responsible Business Finance (CRBF) is to present information on non-traditional small business lending to government agencies and Congress and to craft industry best practices.

·      CRBF’s educational and advocacy effort is focused on the benefits of non-traditional sources of capital for small businesses.  The coalition’s advisory board also provides input from a small business customer’s point of view.

·      CRBF’s Steering Committee will continually work to improve best practices that reflect consensus across several different business practices within the non-traditional small business lending sector.  The coalition’s advisory board will advise the Steering Committee on small business customer views and CRBF’s best practices will serve as an enforceable obligation for joining a trade association.[1]


The Coalition for Responsible Business Finance (CRBF) believes that:

·      Non-traditional sources of capital provide small businesses with the ability to start, grown, and thrive in the American economy; and

·      Harnessing technological innovation is allowing non-traditional lenders to offer capital to small businesses in new and exciting ways; and

·      Small business owners expect and deserve choices for credit; and

·      A better understanding of non-traditional small business lending will lead to greater acceptance by customers, regulators, and local, state, and federal elected officials; and

·      Enforceable best practices, crafted by a broad cross-section of non-traditional lenders, with input from credible small business leaders, will benefit small businesses and provide clarity for a uniform national regulatory framework; and

·      A federal regulatory structure for non-traditional small business lending must:

o   Treat commercial lending differently than consumer lending; and

o   Reflect a balance between regulatory compliance burdens and the choice, speed, and ease-of-use of non-traditional lending products and services that are relied upon by small business borrowers.

[1] The establishment of a trade association is anticipated in the future, but is contingent on coalition member support and funding.