Myth 1: Community bonds are only for wealthy investors 

Reality: Anyone can invest. 

Over 80% of investors in Tapestry-led community bond campaigns are retail investors. You don’t need to be a millionaire to invest in your community. Most campaigns are intentionally designed to be accessible, with investment minimums often starting at $1,000, giving more people the chance to support projects they care about. 

At their core, community bonds are about democratizing finance. That means making it possible for more people to invest in the resilience and future of their communities.

Myth 2: Community bonds are just donations

Reality: Community bonds are investments, not donations. 

While donations and community bonds can both support impactful projects, they serve different purposes. 

Donations are given without the expectation of getting your money back. Community bonds, on the other hand, are structured investments. You provide money to a nonprofit, charity, or co-op, and receive your principal back with interest. 

Community bonds are a way to align your money with your values. You’re making an investment that benefits both your pocket and the community! 

Myth 3: You have to live nearby to invest

Reality: You don’t have to be local to participate. 

Many community bond investors are closely connected to the organizations or projects they support, but you don’t have to live in the immediate community to participate. We see people across the country invest in projects they care about, even if they’re not directly affected. 

Community bonds connect people to missions and impact, not just locations. It’s about supporting projects you believe in, wherever you are. 

Community bonds are part of a broader shift toward a more inclusive and community-driven approach to finance. By clearing up some misconceptions, we hope more people feel confident exploring how they can support projects that matter to them.

Disclaimer: This content is for general informational purposes only. It does not constitute legal, financial, accounting, or tax advice, and should not be relied upon as such.

⏱️ 3 min read 

For many nonprofits across Canada, budget season is here. Boards are reviewing projections, approving operating plans, and making sure the year ahead looks financially sound. 

But budgets only tell part of the story. 

Across the sector, projects that seemed secure a year or two ago are hitting unexpected pauses:

• A housing development waiting on a funding program that may not reopen.
• A community centre renovation delayed as grants scale back. 
• A capital campaign that’s 90% funded… still stuck waiting for that final piece of public funding to move forward. 

Alone, these challenges aren’t unusual. Taken together, though, they’re prompting boards to think more carefully about how projects are financed. This goes beyond whether the funding exists, but how it arrives, how it’s structured, and how different sources fit together. 

Timing matters

The reality is that capital projects rarely unfold in neat fiscal-year cycles. 

Funding might arrive in phases over several years, often tied to milestones or reporting requirements. Construction invoices, meanwhile, follow their own schedule. They probably don’t care about your budget calendar. Long gaps between committed funding and actual cash in the bank are common. 

Boards need to look at cash flow across the full life of a project, not just the annual budget. That way, boards can reveal pressure points early and sometimes even identify options to keep projects moving, rather than waiting indefinitely for the final piece of funding. 

A mix of funding sources is more important than ever

For a long time, certain public funding programs felt stable enough that organizations could confidently build projects around them. Now, not so much.

Public funding remains essential to nonprofit infrastructure in Canada, but timelines shift, priorities evolve, and programs sometimes pause between funding rounds. When a project depends heavily on one expected funding stream, a single change can stall years of planning. 

Increasingly, organizations are deliberately building a mix of complementary funding sources from the start: grants, public funding, philanthropy, and other forms of capital that provide flexibility when timing shifts. In finance circles, this is called blended finance. For boards, it simply means structuring projects so progress doesn’t depend on a single decision somewhere else in the system. 

The nonprofit financing toolkit is wider than many boards realize

Organizations are going beyond grants, philanthropy, and traditional financing to explore other ways to support capital projects, including community investment models like community bonds. 

For boards, the biggest barrier is often simply awareness. It’s natural to rely on the funding models you know best. But as projects grow more complex and timelines stretch longer, it’s worth looking beyond the “traditional” paths. Because communities still need these projects, and waiting indefinitely for the perfect funding moment isn’t an option.

A moment for boards to think differently

This is an opportunity for nonprofit boards to shift from “Where will the funding come from?” to “How do we structure funding so projects can keep moving forward?”

That means paying closer attention to timing, building funding strategies that don’t rely on a single source, and becoming more familiar with the full range of available financing tools (including community bonds!). 

While funding environments change, the need for affordable housing, community spaces, health infrastructure, and cultural hubs does not. Boards that understand both the numbers and the capital strategy can act confidently, even when the funding landscape inevitably changes again. 

⏲️ 4 min read

Community bonds let supporters invest directly in the projects they care about – affordable housing, arts and cultural spaces, community hubs, renewable energy, and more. 

For nonprofits, charities, and co-operatives, they can unlock serious capital and deepen community relationships at the same time. 

That’s powerful.

But community bonds aren’t a shortcut. They’re a financing strategy. And like any strategy, they work best when you’re ready for them. 

Before you jump in because you’re excited and community bonds are the best thing ever (yes, this is a fact we made up), pause, and ask yourself these three questions:  

1. Do we have the capacity to run this well?

A community bond campaign needs dedicated operational capacity. It can’t be added onto someone’s role as an afterthought. You need team members with skills in project management, finance, and communications. The team doesn’t have to be all staff. Board members, volunteers, advisors, and dedicated community members can all play a role.

With the right team in place, you’ll actually enjoy the process, instead of running around scrambling. Many nonprofits are already stretched thin. Your financing strategy should strengthen your organization, not exhaust it. 

2. Do we have a clear plan to repay investors?  

Community bonds are debt. 

That means investors want their money back – just like a bank would. What you’ll need to show investors is a credible plan: 

• What revenue streams will support repayments?
• Are we being realistic (maybe even conservative) in our assumptions? 
• Are there flexible or creative ways to structure repayment that work better for our organization?

A strong repayment plan satisfies investors, reassures your board, strengthens your financial governance, and signals that your organization understands the responsibility that comes with borrowing. 

At Tapestry, we work closely with you to design these repayment plans, but the thinking has to start with you. 

3. Is the timing right – do we need to raise capital in the next 8-12 months?

Timing is key. 

Start too early, and you’re carrying debt before you really need it.
Start too late, and your campaign may not finish before you need the funds. 

Aligning your campaign timeline with your actual capital needs is critical. 

Community bonds are a powerful tool, but they take time to design, launch, and close. When timing is right, campaigns feel deliberate, confident, and manageable. When timing is off, even good projects may struggle. 

The bottom line: clarity.

Clarity about your team.
Clarity about repayment.
Clarity about timing.

Community bonds can absolutely transform how your organization finances projects and engages supporters. 

They can unlock new sources of capital, strengthen independence, deepen community engagement, and keep wealth circulating locally. But they work best when the groundwork is solid. 

So ask yourself these three questions. 

And when you’re ready, we can put the pedal to the metal and help you make it all happen – because the foundation will already be in place. 

Want to learn more about raising capital with community bonds? Our Community Capital Readiness Program helps nonprofits, charities, and co-operatives test if community bonds are the right fit for their project. 

When large organizations first hear about community bonds, their first thought can be: “This is great for grassroots groups, but we’re looking at $100 million projects. Are community bonds for us?”

It’s a fair question. Community bonds gained traction with campaigns in the sub-$5M range, often supporting newer or grassroots organizations. And we love supporting these groups!

But community bonds are scalable, flexible, and increasingly powering large, complex projects. They can form a core part of a strategic financing plan for bigger, long-established organizations, unlocking capital while engaging investors and the broader community. 

The power of scalability

Community bonds scale because they are repeatable, transparent, and confidence-building. Each successful campaign demonstrates investor trust in both the organization and model, paving the way for even larger campaigns. 

Our partners are already proving this, doubling or tripling their campaign sizes within a few years:

• SolarShare’s first raise was $200,000, and they have consistently grown their campaigns, raising $14.3M in just nine months last year.
• Ottawa Community Land Trust raised $3M in 2024 and is launching a $10M raise this month (under the umbrella of a $25M campaign with Centretown Citizens Ottawa Corporation). 
• And upcoming campaigns with other issuers are aiming even higher, showing that the market for community bonds is real, growing, and increasingly confident. 

The lesson is clear: with the right guidance, community and market confidence, community bonds have no ceiling.

Investor appetite is growing

One of the most compelling aspects of community bonds is the diverse investor base they attract. Both retail and institutional investors are increasingly eager to participate. According to the 2025 RIA Investor Opinion Survey, 67% of Canadians say they’re interested in responsible investing. Over 90% of community bondholders would be interested in purchasing community bonds again. And at the same time, Canadians are showing a growing preference to direct their resources toward local impact. A 2025 Interac survey found that 79% of Canadians agree that supporting local businesses feels more important than it did last year. 

While some of this surge may reflect the broader “Buy Canadian” movement, it also signals a strong appetite among Canadians to invest consciously, supporting local and mission-driven initiatives. 

This growing interest extends beyond individual investors. Institutions, foundations, and impact funds are increasingly exploring ways to participate. The launch of Weave Community Capital Fund, a $30M pooled fund investing in issuers of community bonds, signals growing institutional confidence in this model.

With both retail and institutional investment rising, community bonds are uniquely positioned to attract the investors needed to support ambitious projects. Every successful campaign builds trust, momentum, and credibility – demonstrating a real, growing market ready to engage with large-scale, impactful initiatives.

Integrating community bonds into large-scale financing

Community bonds transform the way organizations finance projects. They offer standalone impact and the flexibility to complement other sources when needed. For large-scale projects, community bonds can:

• Demonstrate public support and credibility, strengthening confidence among other funders, stakeholders, and municipal partners
• Engage a diverse investor base, retail and institutional, who care about mission-driven impact
• Rally momentum and community buy-in, unlocking additional capital and helping de-risk large-scale initiatives 
• Keep a portion of your financing local, returning interest to the community members who support your work rather than only to commercial lenders

By leveraging community bonds strategically, large organizations can finance ambitious projects while generating lasting social impact and community engagement at scale.

A tool for ambitious organizations

Community bonds are a proven, scalable financing tool for ambitious organizations tackling multi-million dollar projects.

For leaders ready to think big, community bonds offer more than just capital. They scale impact, mobilize a diverse investor base, strengthen community and stakeholder trust, and unlock opportunities for ambitious, multi-million-dollar initiatives. 

Large-scale impact requires a lot of capital, but it also requires connection. And community bonds bring both.

Let’s be real – most people aren’t curling up with a cup of tea to read your annual report cover to cover. And while numbers matter, they don’t always spark emotion or connection. 

If you’re part of a nonprofit, charity, co-operative, or social purpose organization, you already know: the real magic happens when people feel something about your work. That’s where storytelling comes in. 

We chatted with our colleague, Jennifer Bryan, Director of Campaigns here at Tapestry to ask about best strategies for effective storytelling and how organizations can do it without needing a full-time communications team or documentary budget. 

Here are five of Jennifer’s storytelling tips to build connection and engagement: 

1. Loop people in early 🗣️

Planning something big (or small)? Tell your people about it early. Ask for their input. Get their ideas. Let them feel part of it.

“Get a lot of folks interested and involved in the beginning, and take their feedback so they feel a part of it.” Jennifer explains.

The earlier folks feel included, the more likely they are to care about what happens next. And honestly? People are more likely to support something they’ve helped shape. Early involvement = deeper engagement.

2. Always come back to your “why” 🎯

Every stage of your project, from planning to launch to long-term impact, is a chance to connect your audience back to your mission. Why are you doing what you’re doing?

“In the early stages, it’s about potential impact,” Jennifer shares. “What does the organization see the impacts being – and how are those realized once the project is actually completed? All the way through, keeping them informed.” 

Remind people what’s at the heart of it all – not just what you’re doing, but why you’re doing it.

3. Make it human 👥

Reports are great, but a real story? That’s what people remember. 

If your work has helped someone access housing, food, or belonging – and they’re open to sharing their experience – spotlight that. 

“It’s the stories,” Jennifer says. “That’s what really reaches those people who are like, ‘I don’t want to see numbers on a page. Tell me about the people who live here and what this has done for them’.” 

Bonus tip: Include quotes or first-person voices whenever possible. Let your community hear directly from the people closest to the impact. 

4. Choose one channel and stick to it 📬

You don’t need to be everywhere. Choose one platform that feels doable for your team and stick to it – whether that’s a monthly newsletter, blog, or Instagram stories. It’s better to commit to one channel and update it regularly than to spread your efforts thin across too many. 

Set an achievable target for your team, communicate it to your audience, and then follow through. Consistency > complexity.

5. Be real, not perfect ✨

Every initiative will have its challenges. That means not every update will be a celebration – and that’s okay. When you hit a rough patch, the most important thing you can do is to keep the dialogue going. 

While positive stories of impact are powerful, don’t be afraid to talk about the tough stuff, too. Taking time when it’s needed to share challenges and setbacks transparently will keep your community engaged, maintain trust, and perhaps even rally support when it’s needed most. 

Remember: trust is built in the “in-between” moments, not just the headlines.

TL;DR? 💡

Numbers matter – but stories give them meaning.

Storytelling isn’t about being a pro. It’s about showing the real impact behind the numbers and making it human. By looping people in early, staying focused on your mission, and keeping it real, you’ll build trust, deepen engagement, and make your work resonate with your community. 

Want more content like this? Subscribe to our newsletter for practical tips and behind-the-scenes content. We promise we don’t spam! 😀 

There’s no shortage of interest. 

According to the 2025 RIA Investor Opinion Survey, 67% of Canadians say they’re interested in responsible investing. And yet, only 28% actually own responsible investments – down from 33% two years ago.

So, what gives? 

If most Canadians are interested, why aren’t they acting on it? Why is there such a gap between interest and action – and how do we close it? 

Values matter – but performance still drives decisions.

When we surveyed our own community bondholders – people who had already invested in affordable housing – their top motivation was creating positive social and environmental impact. 

These are deeply values-driven investors. But here’s what stood out: nearly half said they’d invest more if returns were higher. 

This aligns with what we saw in the RIA survey. Canadians were asked how important various factors are when deciding whether to include responsible investments into their portfolio. The results?

1. 92% said performance and opportunity are very or somewhat important 
2. 89% said risk reduction is very or somewhat important 
3. 79% said personal values is very or somewhat important 

The takeaway? Values bring people in, but performance helps them stay.
The good news? Community bonds can offer both: steady financial returns and direct, local impact.

RIA Survey Results

There’s interest – but not enough information.

If 67% of Canadians are interested in responsible investing, why aren’t more people doing it? 

One big reason: they don’t know where to start. 

In fact, 66% of Canadians say they know little or nothing about responsible investing. Read that sentence again – little or nothing!

And it’s not just a lack of awareness about available options. It’s also a lack of trust. Many investors aren’t sure where their money is going or whether it’s making a real difference. 

That’s partly because of greenwashing, which remains the top deterrent for responsible investing. Vague claims, buzzwords, and slick marketing have made people skeptical – and understandably so. 

In our Community Bondholders Survey, the message was loud and clear: People want transparency. They want impact updates. And they want to know, in plain, honest language, what their money is doing. 

The demand is there. The education and clarity are not.

Financial advisors could help – but they’re not having the conversation. 

According to the RIA survey:

• 88% of Canadians trust advisors as a key source of information.
• 76% want to be asked about their responsible investing preferences.
• But only 28% have ever been asked.
• Of those, only 35% had a meaningful conversation. 

Most investors aren’t bringing it up on their own. They’re waiting to be asked. But when no one does, the moment passes – and the opportunity is missed. 

This is where community bonds can stand out. Issuers build direct relationships with investors, answering questions and providing clarity in a way that traditional financial channels often don’t.

Community bonds: a clearer path and a real opportunity.

So what does all of this tell us?

We’re seeing a growing appetite for responsible investing – but also confusion, skepticism, and a lack of trusted options. 

Community bonds help close that gap. They offer exactly what so many investors are looking for:

✅ Tangible impact: Investments go directly into local projects – things you can see and walk by every day, like affordable housing, arts & culture hubs, and renewable energy installations.
✅ Predictable returns: Bondholders earn fixed interest payments over a set term, plus their principal at maturity.
✅ Trust and transparency: Community bond issuers provide regular updates, clear terms, and meaningful engagement with investors. 

Community bonds prove it’s possible to combine financial performance with values-driven impact – and bring trust and transparency back into the investing experience. 

They’re already delivering the kind of investment Canadians say they want. Now, it’s time to make community bonds easier to see – and even easier to choose. 

Want to learn more about community bonds?