Mindy Christensen

Vice President of Lending at RSF Social Finance
On the record

Mindy Christensen is a social capital and lending expert who focuses on matching social enterprises at various stages of growth with the types of capital they need to scale solutions to global challenges while delivering on their mission.

As vice president of lending at RSF Social Finance, a San Francisco–based financial services organization that creates transformative lending, giving, and investing programs, Christensen oversees business development, relationship management, credit risk assessment, and loan operations.

She joined RSF in 2019 as senior director of credit, and since her promotion the following year she has helped RSF add to a broad portfolio of social enterprise borrowers working to solve the world’s biggest challenges in climate, food and agriculture, economic equity, and other areas.

Christensen is an expert at structuring loans to work with borrowers’ businesses and at developing integrated capital financing, which could include grants, debt, and loan guarantees. She also leads the team in finding creative financial solutions to help borrowers achieve their mission.

Christensen has deep connections to lending and the food system. When she was growing up in Iowa, one of her grandfathers, a banker, loaned money to her other grandfather, who ran the family farm. That experience left Christensen with two persistent questions: What would it be like if local farming communities received the right support to nurture a regional food system? And what could she do to give others access to the support they need?

Her search for answers propelled Christensen from her job at Bank of America, where she started her impact career, to a fellowship at Kiva.org, and then to the B Corp Amalgamated Bank, where she developed her expertise in social impact lending. She was drawn to RSF by its emphasis on nurturing borrower relationships above maximizing profits and its ability to fund change on flexible terms.

In addition to her work at RSF, Christensen is an adviser for ICA Fund Good Jobs, a Working Solutions Microloans finance committee member and an adviser for TMC Community Capital. She looks forward to resuming her work as a host committee member for Kitchen Table Advisors’ annual fundraising event, which is on hold due to COVID-19.

Christensen is a knowledgeable source on integrated capital financing, challenges facing the impact lending field, ways in which conventional funding practices disadvantage entrepreneurs who are women and people of color, and analyzing current systems to decide whether to fix what’s already in place or build something new.

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