Scale & Sustainability

The Business Ownership Initiative (BOI), an initiative of the Economic Opportunities Program, works to build understanding and strengthen the role of business ownership as an economic opportunity strategy.

We work closely with micro- and small business practitioners and the institutions that invest in them around the US to build knowledge and strengthen practice by exploring innovation, conducting research, evaluating new ideas, and supporting leaders. The initiative houses EOP’s longstanding work to support the US microenterprise development industry. BOI also serves as a resource to donors and investors interested in microenterprise in the United States.

Cover page of the publication, “Scaling Lending to Entrepreneurs of Color: Part II - Strategies and Operational Tactics for High-Volume Originations”
Publications

Scaling Lending to Entrepreneurs of Color: Part II – Strategies and Operational Tactics for High-Volume Originations

This paper shares key lessons on microloan origination, including practices of CDFIs that are originating thousands of loans annually.

Image of the report cover for "Scaling Lending to Entrepreneurs of Color: Part I - Core Operational Challenges"
Publications

Scaling Lending to Entrepreneurs of Color: Part I – Core Operational Challenges

Providing loans and grants to diverse entrepreneurs has been seen by many as an important way to address the racial wealth gap.

FIELD "Price of Access" Report Cover
Publications

The Price of Access: How Scale-Focused Microlenders are Pricing for Growth

Loan pricing plays a significant role in determining the scale of microenterprise programs. How should microfinance institutions think about this issue as they work to expand credit to aspiring entrepreneurs?

Scaling through Distance Learning
Publications

Scaling through Distance Learning

Compelled by the drive to serve larger numbers of aspiring entrepreneurs amid a tighter funding environment, many microenterprise development organizations are, not surprisingly, looking more closely at distance learning.

Findings from the Scale Academy – Innovating to Scale
Publications

Findings from the Scale Academy – Innovating to Scale

How do microenterprise development organizations scale up their microlending and business development services?

Key Data on the Scale of Microlending in the US
Publications

Key Data on the Scale of Microlending in the US

This report seeks to better understand lending institutions and the financial products that they offer.

Focused on Growth: Scaling Business Development Services in the United States 
Publications

Focused on Growth: Scaling Business Development Services in the United States 

This document summarizes the experience and lessons of six Scale Academy members with substantial focus on business development services.

Scaling Microlending in a Changed Economy
Publications

Scaling Microlending in a Changed Economy

This guide describes the key steps microlenders have taken in order to scale their lending and the implications of their experiences for funders interested in supporting greater scale.

Dollars for Dreams: Scaling Microlending in the United States
Publications

Dollars for Dreams: Scaling Microlending in the United States

This publication discusses the experiences of five leading microfinance organizations, which participate in the Scale Academy for Microenterprise Development.

Key Data on the Scale of Business Development Services
Publications

Key Data on the Scale of Business Development Services

Details data documenting the number, size, and services offered by microenterprise development organizations that provide a range of training and technical assistance services to clients.

FIELD Forum Issue 23 – The Organizational Foundations of Sustainability
Publications

FIELD Forum Issue 23 – The Organizational Foundations of Sustainability

This forum, the fifth in FIELD’s sustainability series, highlights efforts by Accion New Mexico · Arizona · Colorado · Nevada · Texas to systematically build a corporate culture, as well as capacity, that supports security, quality and growth for the long term.

FIELD Forum Issue 22 – Increasing Sustainability through Improved Efficiency
Publications

FIELD Forum Issue 22 – Increasing Sustainability through Improved Efficiency

The fourth forum in FIELD’s sustainability series explores how Opportunity Fund in California is seeking to increase sustainability by emphasizing efficiency as part of a scale-up strategy.

About the Business Ownership Initiative

The Business Ownership Initiative, an initiative of the Economic Opportunities Program, works to build understanding and strengthen the role of business ownership as an economic opportunity strategy.

About the Economic Opportunities Program

The Aspen Institute Economic Opportunities Program advances strategies, policies, and ideas to help low- and moderate-income people thrive in a changing economy.

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More from the Business Ownership Initiative

Metrics that Matter: Improving Financial Analysis of CDFI Small Business Lenders
Podcasts Videos

Metrics that Matter: Improving Financial Analysis of CDFI Small Business Lenders

This is the final event in our Job Quality in Practice series. In this conversation, hosted by the Aspen Institute Economic Opportunities Program on May 7, 2026, we hear from the Institute’s Job Quality Fellows who are embedding job quality into their work across a range of contexts and strategies — from employee ownership models that give workers a direct financial stake in their company’s success, to apprenticeship programs that create structured pathways to higher-wage careers, to worker advisory committees that bring employee voice into business decision-making.

From Crisis to Continuity: Optimizing CDFI Capital and Partnerships for Natural Disaster Response
Publications

From Crisis to Continuity: Optimizing CDFI Capital and Partnerships for Natural Disaster Response

Traditional emergency aid through SBA or FEMA takes time, and lower-income communities often face significant approval hurdles. Speed is essential to business survival.

The New Era of Small Business Finance: Access, AI, and Accountability (Highlight reel)
Videos

The New Era of Small Business Finance: Access, AI, and Accountability (Highlight reel)

VIDEO — Highlight reel from “The New Era of Small Business Finance: Access, AI, and Accountability,” a forum hosted by the Aspen Institute’s Business Ownership Initiative and the Responsible Business Lending Coalition on March 5, 2026.

The Changing Role of Small Business Ownership
Videos

The Changing Role of Small Business Ownership

VIDEO — This discussion is the first of three that took place as part of “The New Era of Small Business Finance: Access, AI, and Accountability,” a forum hosted by the Aspen Institute’s Business Ownership Initiative and the Responsible Business Lending Coalition on March 5, 2026.

Main Street Challenges and Policy Solutions
Videos

Main Street Challenges and Policy Solutions

VIDEO — This discussion is the third of three that took place as part of “The New Era of Small Business Finance: Access, AI, and Accountability,” a forum hosted by the Aspen Institute’s Business Ownership Initiative and the Responsible Business Lending Coalition on March 5, 2026.

Innovations Driving Small Business Lending Forward: It’s Not All About AI
Videos

Innovations Driving Small Business Lending Forward: It’s Not All About AI

VIDEO — This discussion is the second of three that took place as part of “The New Era of Small Business Finance: Access, AI, and Accountability,” a forum hosted by the Aspen Institute’s Business Ownership Initiative and the Responsible Business Lending Coalition on March 5, 2026.

To Help Small Businesses Recover From the L.A. Fires, Invest in Community Lenders
Blog Posts

To Help Small Businesses Recover From the L.A. Fires, Invest in Community Lenders

Nonprofit lenders often deploy funds faster than the government but need more capital to meet demand.

Integrating a Job Quality Practice in Community Development Financial Institutions (CDFIs): A Q&A
Publications

Integrating a Job Quality Practice in Community Development Financial Institutions (CDFIs): A Q&A

This Q&A provides insights and lessons from the work of 11 CDFIs that participated in Shared Success, a job quality demonstration led by the Aspen Institute Economic Opportunities Program (EOP).