Become a social impact investor

Impact investments are investments made with the intention of generating positive, measurable social and environmental impact; while also giving you financial returns.

Invest in social good to make a positive impact

Why should you invest in Windmill’s Community Bond program?

Invest your capital for social good
  • Impact investing seeks to generate measurable social impact alongside financial returns. By investing in Windmill's Community Bonds, you can align your capital with your values, actively contributing to positive change in the community.
Proven track record
  • Launched in 2017, Windmill's Community Bond program has been a key contributor to our success. As impact investing has gained popularity, it has significantly expanded Windmill’s loan book, enabling our organization to support thousands of skilled immigrants and refugees across Canada.
Modest interest payment, massive social returns
  • Purchasing a community bond with Windmill puts your investment dollars to work, making a tremendous impact to our clients and Canada’s economy, while earning you interest comparable to a GIC or government bond.

To find out more or to purchase a Community Bond contact us at

Debt term sheet

Terms and interest rate

3 Years:
5 Years:

Interest payment frequency

Semi-annual on March 31 and September 30 or the next business day if it falls on a weekend

Minimum investment


Impact report with audited financials

Download Windmill Microlending’s 2022/23 Impact Report including audited financial statements.

Client outcomes

Over 3x

Newcomers take on low-income jobs to survive. With Windmill’s help, our clients’ income triples.


Decrease in unemployment. With Windmill’s help, our clients are successful in securing employment in their trained profession.


Historical repayment rate. The remarkable rate at which our clients repay their loans is a clear indicator of their success.

What our investors say

We recognize that Black, Indigenous, and other racialized communities disproportionately face barriers to socio-economic opportunities. Access to financial tools and services will uplift people, especially refugees and newcomers, to be able to thrive in Canada. Our partnership with Windmill enables us to mobilize grant and investment capital for social good. This blended finance model is an innovative way to steer more of our capital toward positive impact and more equitable outcomes.

Arti Freeman

President and CEO, Definity Insurance Foundation

You’re going to have a hard time finding a better place for your donation budget or your impact investment budget than with Windmill Microlending.

Bill Young

Chairman, Social Capital Partners

At TELUS, leveraging our technology innovation and human compassion to improve the outcomes of our fellow citizens is foundational to our leadership in social capitalism. We are grateful for the opportunity to support Windmill’s efforts to enable economic prosperity for its clients by optimising the expertise and contributions of every member of our community. Indeed, our investment in Windmill’s community bond through the TELUS Pollinator Fund for Good aligns with our shared goals of promoting inclusion and empowering all Canadians to participate fully and successfully in our digital society.

Darren Entwistle

President and CEO, TELUS