The document discusses microlending in Cleveland to address gaps in funding availability for startups and low-income individuals. It describes how a group brought together banks, government, foundations and non-profits to investigate the need. A study found a $38 million funding gap and ECDI was selected as the microlender. $4.1 million was raised and lent out, helping 132 businesses and creating 280 jobs, many owned by women and minorities. It also discusses expanding partnerships with banks and foundations to continue providing necessary loans.