For Potential Partners
Our partners include organizations who contract us to provide financial education, companies who support us with in-kind or monetary donations and other support, and Referring Partners, who are specially trained to refer clients to our loan program.
Are you interested in contracting us for financial education or curriculum development? Please contact our Financial Capabilities Program Coordinator.
Would your company like to make a donation or offer in-kind donations or volunteers? Please contact our Executive Director.
Are you interested in referring clients to Innovative Changes for loans? Our loans can help clients to:
Avert financial emergencies, such as a utility shutoff or eviction;
Achieve household stability by paying a rental deposit or making car repairs;
Pay down other high-cost debt like outstanding payday loans or accounts in collections;
Increase asset building and banking opportunities by building credit
Become a referring partner!
We do not have any upcoming orientations scheduled for new partners because we are revamping the training process. That means we cannot train any new referring partners at this time. Please check back later this summer!
Companies wishing to refer clients must have a signed MOU with Innovative Changes (signed within the last 2 years). Please have a manager or director contact our Loan Program Coordinator to discuss the process, how your clients can benefit, and how to get started. You will also assign one point person to coordinate referral partner orientations for anyone within the organization who may be referring clients to Innovative Changes. You can review the IC$ Referring Partner MOU here.
If your organization is already a partner with a signed MOU and you as a staff member want to refer clients, please attend our monthly Referring Partner Orientation via webinar. The orientation outlines our programs and services, the crucial role that our partners play in our lending program and what makes a good referral. Orientations are typically held the third Thursday of every month. If there are multiple staff members who want training, contact our Loan Program Coordinator to set up an in-person training at your location.
Register here: Referring Partner Orientation registration We do not have any upcoming orientations scheduled for new partners because we are revamping the training process. That means we cannot train any new referring partners at this time. Please check back later this summer!
Referring Partner Expectations
Partner responsibilities are outlined in the MOU and focus on making sure anyone who refers from the organization for loans participates in our orientation and is doing so because:
They think our services will help and not just because it may be expeditious to send the person our way if resources are scarce;
They think the person being referred is likely (we never ask partners to promise but we do ask them to use some judgment in who they refer) to repay the loan; and
If for some reason the person stops responding to us, the partner is committed to helping facilitate re-contact (we ask that all referrals come with a signed release by the client allowing us to talk to the partner about his/her situation).
We encourage partners not to refer people whom they think will not be successful loan clients. We do not ban partners for making poor referrals, but this policy is subject to change.
When you refer a client for a loan, you are serving as a character reference for that person. If you don’t know the person well enough to make an assessment about their ability to repay the loan, it is better not to make the referral. When any of your referrals fail to repay the loan, we will contact you and ask you to follow up with the person you referred.