MESSAGE FROM OUR CEO
In 2024, we launched PCV's Climate Resilience Mobilization Fund with the belief that climate and economic resilience must go hand in hand for communities to thrive. One year into the deployment of $4.7M and an active pipeline of $3M, our clients are on the frontlines of California's clean energy transition, installing solar panels, electrifying buildings, and creating good jobs in the communities that need them most.
From Oakland's Family Laundry, which leveraged PCV capital to electrify its vehicle fleet and add fast charging stations and solar battery storage while sustaining good community jobs, to Javi's Empanadas, which cut energy costs by adding rooftop solar, we see firsthand the triple bottom line effect of patient capital and energy independence in our communities, particularly as energy costs continue to rise.
Yet, we also know that access to capital remains a considerable barrier for many small businesses and contractors to engage in procurement, adaptation, and resilience efforts, and they continue to be underserved by traditional finance - in the world's 4th largest economy.
This is why PCV remains committed to meeting entrepreneurs where they are. Through our integrated model, we combine restorative financial solutions with pro-bono business advising, so that our entrepreneurs can confidently undertake climate resilience projects they would otherwise be unable to pursue. This not only helps us keep good and green jobs in our local communities but work to build California's and America's energy freedom, at this critical time.
As we mark Earth Day 2026, we look to build on PCV's work to realize a just transition that advances economic mobility along with climate resilience and energy freedom towards a more dynamic and prosperous economy across California.
CLIMATE RESILIENCE MOBILIZATION FUND
AT A GLANCE
Total Capital Deployed to date
$4.7
Million
Sixty percent of the climate portfolio is in the construction, waste management, and manufacturing sectors. We have funded businesses contributing to wildfire prevention, solar installers, and energy-efficiency contractors.
26 businesses secured restorative climate funding
PCV funded small businesses across California focusing on closing long-standing capital access gaps while supporting businesses that are delivering local climate and energy smart solutions.
Active Pipeline
$3
Million
PCV has an active pipeline of energy contractors completing electrification projects, including HVAC, solar, and related clean energy work. The pipeline also includes construction, manufacturing, landscape, and restaurant businesses.
63% of our climate investments directly benefit LMI communities
Sixty-three percent of our investments directly benefit low- and moderate-income communities, ensuring capital reaches the places most affected by climate and economic strain.
Regional Partners and Climate Mentors
PCV activated 9 regional relationships across CA to identify high-potential climate projects in key underserved and climate-burdened areas, backed by 50+ mentors ready to provide pro-bono advising.
$10 Million Fundraising Goal
In 2026, PCV is seeking to raise an additional $10 million impact-first capital to meet growing demand and expand lending to more climate-aligned businesses across the world's 4th largest economy.
THE CLIMATE OPPORTUNITY IN THE WORLD'S 4TH LARGEST ECONOMY
As the world's fourth largest economy, California is uniquely positioned to lead the nation's transition to energy freedom and climate resilience. With over 4 million small businesses spanning diverse regions, economies, and geographies, the opportunity is vast. So is the gap in capital and other resources the entrepreneurs need to sustain or grow their operations and hire workers while confronting the specific climate risks their communities face.
In the meantime, across California, energy burdens pose an increasing strain on communities and entrepreneurs with 71% of households relying on gas utilities for heating, and businesses facing commercial electricity rates averaging 29–30¢ per kWh — nearly double the national average. For example, the smallest restaurants and food enterprises are particularly impacted, with kitchen equipment alone accounting for roughly 35% of total energy expenses.
Yet, access to capital for energy efficient upgrades and other opportunities to engage in the climate economy remains a barrier, as traditional lenders often lack familiarity with the climate economy business models, such as solar installation contractors, clean energy financing cycles, and building electrification timelines.
The need for climate capital is especially urgent in climate-disadvantaged communities that face disproportionate burden from exposure to climate hazards, negative health outcomes, and economic vulnerabilities. As climate change accelerates, full participation in the green or climate economy is critical to improving human well-being, strengthening climate resilience, and advancing economic opportunity.
Community Development Financial Institutions (CDFIs) are uniquely positioned to deliver capital and solutions required into such regions with flexible and tailored financing.
PCV has identified several regions across California where climate investment gaps are most acute. The Inland Empire illustrates the scale of the urgency. With the lowest median household income in Southern California, 61% of residents considered underserved, and 32% of census tracts classified as climate-disadvantaged, the region faces compounding climate and economic pressures.
This is why PCV is intentionally partnering with community organizations on the ground to identify small businesses ready to participate in the climate economy. To date, PCV has deployed $150,000 in the Inland Empire, backing Resilient Electric, a San Bernardino-based contractor advancing building electrification and energy efficiency projects.
By deploying restorative capital into climate-disadvantaged and underserved communities, PCV aims to drive environmental impact while empowering small business owners to engage in the climate economy, creating good and green jobs across every region in California.
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Data sources: |
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PolicyMap. (2026, April 11). Environmental Justice Screening and Mapping Tool (EJScreen) | https://www.policymap.com/data/sources/environmental-protection-agency-epa-environmental-justice-screening-and-mapping-tool-ejscreen |
A catalytic investment in communities and climate projects overlooked by conventional finance
In late 2024, Pacific Community Ventures launched the Climate Resilience Mobilization Fund to accelerate California's Climate Economy by financing underserved small businesses in climate-disadvantaged communities. The fund offers three flexible loan products tailored to different small business needs: Good & Green Loan, Contractor Capital Loan, and EcoBoost Loan.
Across these products, we offer $10,000–$500,000 in capital at a competitive 5% rate.
To date, PCV has deployed $4.7 M in capital and maintains an active pipeline of $3 M, demonstrating disciplined deployment and sustained demand. The fund has supported small businesses across sectors key to decarbonization, including construction, waste management, manufacturing, and related service industries that help reduce building and operational emissions.
By working closely with community partners on the ground, we have directed 63% of capital to business owners in low-to-moderate income (LMI) regions of California, ensuring that climate finance reaches the communities that need it most.
PCV recognizes that climate action requires multiple strategies. At the fund level, regardless of industry sector, 52% of our clients use the loan to support land stewardship, wildfire prevention, and other climate resilience practices. The other 48% of capital deployed is used to finance clean energy and energy-efficiency projects, essential as energy costs continue to rise in this time.
From PCV’s engagement with small businesses, access to capital has emerged as a key factor in determining whether these businesses can retain staff and scale operations. Among PCV climate capital clients, 79% report plans to sustain current jobs or hire new employees, suggesting that the program’s design is working as intended: the Climate Resilience Mobilization Fund is facilitating just transition by both, supporting good and green jobs and advancing energy independence and climate outcomes.
In addition to financing, PCV strengthens the resilience of small businesses through pro-bono business advising. Eighty percent of our climate portfolio clients are enrolled in our business advising program, and 60% of those clients are matched with advisors specializing in marketing and financial planning.
For example, our client, Pivot Charging Co., a San Francisco-based company, deploys electric-vehicle charging infrastructure and collaborates with fleet owners. In 2025, the company faced a critical challenge: its business model relied heavily on success-based fees tied to project completion, resulting in inconsistent cash flow and delayed payments. Through PCV’s Business Advising Program, the business owner worked with a financial advisor to develop a concrete plan to restructure revenue generation plan, retainer agreement implementation, and new partnerships sourcing to reduce reliance on slow-moving payment timelines.
PCV's ENTREPRENEURS RESTORING COMMUNITIES
California's climate economy is built one business at a time, by contractors electrifying homes, installers putting solar on rooftops, and entrepreneurs reducing energy burdens in the communities that need it most.
PCV's clients are not waiting for the clean energy transition to arrive. They are delivering clean energy solutions and good jobs today, often in communities overlooked by traditional lenders.
Family Laundry
David and Laura Macquart-Moulin founded Family Laundry in 2015 to provide convenient wash-and-fold pickup and delivery services across the San Francisco Bay Area. What began as a customer-focused laundry service has evolved into a climate-forward business that integrates clean energy solutions into its core operations.
In 2025, David and Laura Macquart-Moulin secured a $500,000 PCV Good and Green Loan to electrify their laundry delivery fleet, reducing both operating costs and emissions. They then expanded the project further by installing solar panels, battery storage, and EV charging infrastructure in Oakland’s Fruitvale neighborhood. Today, this system powers their operations and extends charging access to community. In partnership with Port Power, the Bay Area Air District, the Los Angeles Cleantech Incubator (LACI), Community Kitchens, Port Power, and PG&E, the project advances Oakland’s Equitable Climate Action Plan while improving air quality, supporting climate resilience, and creating and sustaining quality green jobs.
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Mi Tierra Restaurante
Cuauhtémoc Magaña opened Mi Tierra Restaurante in 2012 to serve great traditional Mexican food to Santa Rosa's Sonoma County community. But as California's energy costs climbed, so did the pressure on the operational costs to maintain his business. As California’s energy costs climbed, so did the pressure on the restaurant’s operating budget. The restaurant was spending approximately $72,000 annually on energy, creating strain on cash flow and threatening the ability to retain employees while continuing to grow.
In December 2025, the business secured a $300,000 Good & Green Loan from PCV. The financing enabled key energy and operational upgrades, including purchasing equipment, the installation of solar panels, and a more efficient irrigation system. It also supported workforce stability and future hiring. These improvements will help to reduce ongoing energy costs and strengthen the restaurant’s long-term sustainability, allowing it to continue serving the community while operating more efficiently.
Resilient Electric
Resilient Electric Inc., led by Veteran Larry Bodes, a licensed contractor that supports decarbonization efforts through building electrification and energy efficiency projects. The company provides engineering, design, and consulting services that help clients reduce overall energy consumption. Based in the Inland Empire, it actively supports communities throughout San Bernardino County by delivering cleaner energy solutions, including LED lighting upgrades and the installation of electric vehicle charging stations.
PCV's $150,000 Good & Green Loan is helping the company to retain and hire local workers. It also provides essential working capital to bridge gaps between contracts. This support ensures Resilient Electric Inc. can maintain steady operations while continuing to deliver decarbonization projects.
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Platinum Waves Electric
In December 2022, Kenneth Arabia founded Platinum Waves Electric to help clients take control of their energy use. He leads the company alongside co-owners Christine Martello and Jonathan Podgornik. The Petaluma-based company provides solar and energy storage systems, electrical load monitoring solutions, and smart home technologies such as lighting control, motorized shades, and wireless home automation. Through these services, Platinum Waves Electric makes clean, efficient, and connected energy systems accessible and easy to use for clients across the San Francisco Bay Area.
The $150,000 through PCV’s Good & Green Loan program is helping the company hire new employees, cover payroll and benefits, and expand into warehouse and office space. The loan is also supporting marketing and advertising efforts and is helping to pay down existing debt.
Worldwide Builders Inc.
Since 2008, Worldwide Service Inc., dba Worldwide Builders Inc. has helped homeowners and businesses in San Jose cut carbon consumption (“decarbonize”) by swapping gas for electric, upgrading HVAC systems, tightening insulation, and installing high-efficiency windows through programs like PG&E’s Empower My Home.
To maintain operations and protect jobs during periods of delayed contract payments, the company secured a $500,000 PCV Good & Green Loan. This funding will provide critical cash flow stability, allowing Worldwide Builders to take on new projects without delay. The company is projected to electrify more than 130 homes in the Bay Area through PG&E’s program. It will also continue advancing clean energy solutions and accelerating the transition to more energy efficient homes and buildings.
ATLE Corporation
Founded in May 2023 by Alton Thompson, ATLE Corporation is scaling access to clean energy in Santa Clara County by making high-efficiency HVAC upgrades more attainable for San Jose residents. ATLE Corporation installs high-efficiency heat pump systems and provides permit-ready documentation and point-of-sale financing to help homeowners adopt clean energy upgrades with minimal upfront cost. It completes more than 140 green projects annually, contributing to lower household emissions and energy bills.
A $150,000 Good & Green Loan from PCV is helping ATLE Corporation expand beyond its current service area while hiring two additional installers, creating good jobs in San Jose’s clean energy sector. The financing strengthens day-to-day operations by supporting inventory leasing, working capital for installations, and targeted customer acquisition, along with reserves for delinquencies, training, and contingencies to ensure responsible growth.
This investment enables ATLE to scale sustainably and increase the number of households that are reducing both their energy costs and carbon emissions.
From solar panels in Santa Rosa to heat pumps in San Bernardino, PCV's entrepreneur clients are delivering on the promise of California's clean energy future while creating quality jobs.
None of this work happens in isolation. Through mission-aligned community partnerships that share our commitment to climate resilience and economic development, we are able to reach more entrepreneurs with much-needed resources to spur California's climate economy.
PCV'S REGIONAL COMMUNITY PARTNERS
Pacific Community Ventures recognizes that the momentum in capital deployment must match the urgency to heal today’s economic vulnerabilities and climate challenges. We maintain that momentum by partnering with mission-aligned organizations.
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Our partner, Revalue.io, administers the contractor network supporting PG&E’s electrification initiatives that provide income-qualified households with free or heavily subsidized conversions from gas to electric appliances, including heat pumps, water heaters, and induction stoves. |
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GoGreen Financing is a State of California program designed to make attractive, accessible financing available for energy upgrades for homes and small businesses — including HVAC, solar, battery storage, and EV chargers. As a partner lender, PCV connects our clients to this program, expanding access to clean energy financing for small businesses in climate-disadvantaged communities that are often left out of conventional energy finance. |
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Merriwether & Williams has spent over 20 years helping smaller contractors access the bonding and business development support they need to compete for public works contracts. Through this partnership, PCV connects contractor clients with the tools and bonding support they need to access larger contracts and sustain long-term business growth. |
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UAW Center for Manufacturing a Green Economy (CMGE) is dedicated to supporting domestic manufacturing of solar panels, EVs, & grid infrastructure across western states. We are partnering with CMGE to offer restorative capital and pro-bono business advising to manufacturers in California. |
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Mission Community Services Corporation and its Women’s Business Centers of San Luis Obispo, Kern, and Monterey Counties are dedicated to raising the economic, educational, and social levels of aspiring entrepreneurs and small business owners. PCV is partnering with MCSC portfolio owned by women entrepreneurs, to build trusted local relationships, strengthen referral pathways, and expand access to climate-focused capital for women entrepreneurs. |
PCV is also engaging with mission-aligned organizations to advance climate resilience in their communities, including Kitchen Table Advisors, Roanhorse Consulting, and others serving communities across the State, including rural, coastal, and tribal. With their support, we are also working to create a strategy that deploys restorative capital to support farmers and fishers, rural, and Native entrepreneurs.
THE FUTURE OF PCV'S CLIMATE RESILIENCE MOBILIZATION FUND
The stories in this report are not the finish line. They are the beginning of what becomes possible when communities gain access to catalytic climate capital and support. With continued impact-first capital and grant support, PCV can help more entrepreneurs turn climate potential into real projects, real savings, quality jobs, and lasting resilience in the communities that need it most.
With 80% of our climate portfolio clients enrolled in PCV’s Business Advising program, and 60% already matched with advisors, we are positioned to help businesses manage growth, improve cash flow, and navigate the climate economy. As demand for climate solutions continues to grow, We are expanding our green advisor network to include experienced advisors with expertise in clean energy, energy efficiency, and sustainability practices. We are also deepening our reach into high-emissions sectors like agriculture, where climate adaptation is urgent, and the potential for impact is significant.
This Earth Day 2026, we invite you to build on this momentum with us and help unlock paths to economic mobility through energy freedom and climate resilience across California. Join us!
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