The current impact-investment trend is a "thematic" or industry approach, rather than general investment in small- and mid-sized businesses. The thematic approach focuses on urgent social problems that affect the U.S., such as accessible healthcare, educational programs, unemployment programs, loans for small businesses, and affordable housing. With respect to the later, nearly half of the renters in the U.S. pay over 30 percent of their income for housing costs, leaving less funds available for basic needs like food, healthcare, education, and transportation.
While a large portion of investments is directed toward real estate development, tech startups attract funding as well. As an example, in March 2019, the startup Point Digital Finance drew $22 million in Series B funding. The company offers capital for down-payment and housing costs in exchange for partial equity in the real estate.