Create Jobs for USA

  • Learn about how Starbucks and OFN partnered to

  • address the American jobs crisis



In November 2011, OFN partnered with Starbucks to launch Create Jobs for USA, a unique initiative that leveraged the power of CDFIs to address the U.S. jobs crisis and help put people back to work. The initiative combined corporate donations and crowdfunding from individuals and small businesses to create and retain jobs. Banana Republic, Google Offers, Citi, MasterCard, and other companies also joined the effort.

Create Jobs for USA ran through December 2014. In three years, it raised more than $15.2 million in donations, which participating CDFIs turned into $105 million in financing for businesses to create or retain more than 5,000 jobs.

OFN has gathered lessons learned from the initiative to share in a series of reports that reflects on Create Jobs for USA and offers insights that CDFIs can use in their own job reporting efforts. Read the first two reports now.

How it Started

In 2011, Howard Schultz, chief executive officer of Starbucks Coffee Company, was eager to find a creative, inclusive, and swift way to address the country’s unemployment crisis. But he needed a partner with a proven reputation for excellence and a history of creating jobs to join in the effort.

Starbucks teamed up with OFN, the leading network of CDFIs, community development financial institutions that lend and invest in economically distressed places in the U.S.

In November 2011 Starbucks and OFN formed a partnership to launch Create Jobs for USA, a philanthropic initiative to mobilize individuals, CDFIs, and corporations to address the troubling rise in unemployment that followed the Great Recession.

How it Worked

Create Jobs for USA combined corporate donations and crowdfunding to establish the Create Jobs for USA Fund. OFN managed the Fund and used the donations to award capital grants to 120 high-performing CDFIs across the country.

These CDFIs leveraged their Create Jobs for USA awards with additional loans from traditional banks, foundations, and other investors to make loans to community businesses. All of the donations went directly to loans for community businesses, and none were used for operating expenses.

In three years, Create Jobs for USA raised more than $15.2 million in donations.

Every $1 raised through the Create Jobs for USA Fund supported $7 in loans to small businesses, microenterprises, nonprofit organizations, commercial real estate developers, and housing developers.

The Impact it Had

CDFIs leveraged $15.2 million in donations into $105 million in lending to community businesses, which created or retained more than 5,000 jobs.

Where Donations Originated

Create Jobs for USA raised a total of $15.2 million from a diverse range of donors, including corporations, foundations, small businesses, nonprofits, and individuals.

The Starbucks Foundation seeded the Create Jobs for USA Fund with a $5 million donation. Major corporate supporters also included Google Offers, Banana Republic, and Citi, who each raised $1 million or more for the Fund. In addition, the Schultz Family Foundation donated $1 million on the first anniversary of the Create Jobs for USA initiative. Other corporations, small business, and nonprofits raised more than $600,000 for the Fund.

Indivisible Bracelet, Coffee, Mug and Tumbler

Individual donations totaled $3.5 million, the large majority of which was raised through the "Indivisible" wristbands program. Anyone who donated $5 online or at one of Starbucks' 7,000 retail locations received an all American made "Indivisible" wristband, of which 100% of the donation went to Create Jobs for USA. The program offered individuals and corporations a way of showing their support, with more than 800,000 people receiving wristbands through individual and corporate contributions.

Starbucks also generated an additional $1 million for the Create Jobs for USA Fund by launching an "Indivisible" line of products—coffee, mugs, tumblers—sold in their retail locations through early 2013. For every purchase of an "Indivisible" product, Starbucks made a donation to the Fund.

Types of Businesses Supported

Create Jobs for USA funds supported community businesses, which create and retain jobs in low-income, low-wealth, and other disadvantaged communities. These include small businesses, microenterprises, nonprofit organizations (such as charter schools, day care, and senior centers), commercial real estate, and affordable housing.

Take a look at some of the Create Jobs for USA videos and success stories to read about the different businesses the initiative has supported in urban, rural, and native communities across the U.S.

Lessons Learned

OFN is publishing a series of publications to report on the results and lessons learned from the initiative. The reports focus on the overall lessons learned about Create Jobs for USA, as well as specific lessons learned and best practices related to collecting, tracking, and analyzing data on job creation and retention.

Find a Loan

Community businesses seeking a loan can refer to the list of Awardees and OFN's CDFI Locator to identify a local CDFI that may be able help.

These supporters have stood up and said they believe in Americans and want to help them get back to work. Read about their commitments to the program below.

Founding Members

Starbucks Logo Starbucks: Starbucks and the Opportunity Finance Network (OFN) teamed up to launch the Create Jobs for USA Fund on Nov. 1, 2011. The Starbucks Foundation seeded the Fund with a $5 million donation and helped distribute red, white, and blue Indivisible wristbands to donors who contributed $5 or more.
OFN Logo Opportunity Finance Network: Opportunity Finance Network is a national network of community development financial institutions (CDFIs) investing in opportunities that benefit low-income, low-wealth, and other disadvantaged communities across America.

Headline Supporters ($1MM+ Donations)

Banana Republic Logo Banana Republic: Banana Republic was one of the first partners to join OFN and Starbucks to support the Create Jobs for USA Fund. Special shopping events raised $1 million in 2012.
Citi Logo Citi: Citi Community Development and the Citi Foundation reinforced their support for community businesses by making a $1 million contribution to Create Jobs for USA Fund, and by empowering Citi ThankYou® Members to redeem their rewards points to make a donation to the program.
Google Offers Logo Google Offers: Google Offers™ teamed up with Starbucks to raise $1.7 million to help create and sustain jobs in America.

Gold Contributor ($250,000 - $999,999)

MasterCard Logo MasterCard: MasterCard is always looking for ways to make an even greater impact in their communities. That's why they joined the Create Jobs for USA program with a $500,000 donation to help create and retain jobs in communities across America.

Silver Contributor ($25,000 - $249,999)

Blast Radius Logo Blast Radius: Blast Radius contributed funds, pro bono website design and development, and digital advertising creative to support Create Jobs for USA.
NASDAQ OMX NASDAQ OMX: NASDAQ contributed $25,000 to support CDFIs and the Create Jobs for USA Fund.
Speck Logo Speck: Speck contributed $25,000 to Create Jobs for USA Fund and distributed wristbands to the first 5,000 customers to shop during a special holiday promotion.
TakePart Logo TakePart: TakePart, the digital division of Participant Media, donated three video vignettes of Create Jobs for USA Awardee loan recipients.

Bronze Contributors ($5 - $24,999)

All of Us Logo All of Us: More than 800,000 individuals and small businesses have donated to the Create Jobs for USA Fund and received an Indivisible wristband to show their support for creating and retaining jobs in the U.S.


OFN is publishing a series of reports to provide an overview of results as well as lessons learned from the initiative. By publishing this series, we hope to demonstrate the successful collaboration of many partners, and how community lenders are contributing to solving the jobs crisis in the U.S. by creating and retaining jobs in underserved urban, rural, and native communities.

"Six Lessons Learned from Create Jobs for USA,” published in May 2014 provides an overview of results of Create Jobs for USA, a successful initiative launched in November 2011 by Starbucks and Opportunity Finance Network to help address the jobs crisis. The first in a series of three reports about Create Jobs for USA, this publication shares the lessons learned from the initiative.

CDFI Practices in Jobs Data Collection and Tracking:  Lessons Learned from Create Jobs for USA” published in October 2014 looks at the data collection efforts behind Create Jobs for USA, sharing what we learned, best practices, and sample CDFI data collection forms and processes. The goal of the paper is to help improve the quality of jobs data collected by the opportunity finance industry.

We’d like to thank Member CDFIs who participated in this initiative and helped make it a success. We appreciate your participation: your work to create and retain jobs and to tell the story of CDFIs and the community businesses they serve gave meaning to the effort and helped create or retain more than 5,000 American jobs. We’re also grateful for the strong corporate leadership of Starbucks, without whose vision, leadership, and support this initiative would not have been possible.

Success Stories

Create Jobs for USA helped generate thousands of jobs in communities across the country. Below is a selection of success stories.

Northgate Market, San Diego, CA

E.L. Haynes Public Charter School, Washington D.C.

Bitterroot Gymnastics, Missoula, MT

Lawrence CommunityWorks, Lawrence, MA

Resevoir Hill, Baltimore, MD

Lakes Community Health Center, Northwestern, WI

Next Chapter Bookstore, Barre, VT

American Mug and Stein, East Liverpool, OH

Jalen Rose Leadership Academy, Detroit, MI

Impact Makers, Richmond, VA

Housing Partnership, Louisville, KY

Sister Sky, Spokane, WA

Brookford Farm, Canterbury, NH


Congratulations to the 120 OFN CDFIs that have received grants from Create Jobs for USA. Learn more about each at our Find a CDFI locator.  

  • Access to Capital for Entrepreneurs
  • Accion Chicago
  • Accion Texas Inc.
  • Alternatives Federal Credit Union
  • Arcata Economic Development Corporation
  • Arizona MultiBank Community Development Corporation
  • Baltimore Community Lending
  • Bethex Federal Credit Union
  • Black Business Investment Fund of Central Florida
  • BOC Capital Corporation
  • Boston Community Capital
  • Bridgeway Capital
  • Business Center for New Americans
  • Calvert Social Investment Foundation
  • Century Housing
  • Charter Schools Development Corporation
  • Chicago Community Loan Fund
  • Cincinnati Development Fund
  • Citizen Potawatomi CDC
  • Coastal Enterprises, Inc.
  • Colorado Enterprise Fund
  • Community Assets for People LLC
  • Community Capital of NY
  • Community Capital of Vermont
  • Community Concepts Finance Corporation
  • Community First Fund
  • Community Housing Capital
  • Community Loan Fund of the Capital Region
  • Community Redevelopment Loan and Investment Fund
  • Community Reinvestment Fund
  • Community Ventures Corporation
  • CommunityWorks Carolina
  • Cooperative Business Assistance Corporation
  • Cooperative Fund of New England
  • Corporation for Supportive Housing
  • Craft3
  • Disability Opportunity Fund
  • Economic and Community Development Institute
  • Economic Opportunities Fund
  • El Paso Collaborative for Community & Economic Development
  • Enterprise Community Loan Fund
  • Enterprise Development Fund
  • Entrepreneur Fund
  • Entrepreneur Works
  • Fahe
  • First State Community Loan Fund
  • Florida Community Loan Fund
  • Forward Community Investments
  • Freedom First Federal Credit Union
  • Fresno CDFI
  • Genesis Community Loan Fund
  • Grameen America
  • Greater New Haven Community Loan Fund
  • Gulf Coast Renaissance Corporation
  • Hartford Community Loan Fund
  • Hope Enterprise Corporation
  • Housing Assistance Council, Inc.
  • Housing Fund, The (Nashville Housing Fund)
  • Idaho Nevada CDFI
  • IFF
  • Initiative Foundation
  • Intersect Fund
  • Justine Petersen Housing and Reinvestment Corp.
  • Kentucky Habitat for Humanity
  • Kentucky Highlands Investment Corporation
  • Leviticus 25:23 Alternative Fund
  • Local Initiatives Support Corporation
  • Low Income Investment Fund
  • Lowcounty Housing Trust
  • MaineStream Finance
  • Maryland Capital Enterprises
  • Mercy Loan Fund
  • Midwest Minnesota Community Development Corporation
  • Mile High Community Loan Fund
  • Montana Community Development Corp.
  • Mountain BizWorks
  • National Housing Trust Community Development Fund
  • Natural Capital Investment Fund
  • NCALL Research Inc
  • NCB Capital Impact
  • Nebraska Enterprise Fund
  • NeighborWorks Capital
  • New Hampshire Community Loan Fund
  • New Jersey Community Capital
  • Nonprofit Finance Fund
  • Nonprofits Assistance Fund
  • Northern California Community Loan Fund
  • Northern Initiatives
  • Northland Foundation
  • Oakland Business Development Center
  • Ohio Capital Finance Corporation
  • Opportunities Credit Union
  • Opportunity Fund
  • Partners for the Common Good
  • Pathway Lending
  • People Incorporated Financial Services
  • PeopleFund
  • Primary Care Development Corporation
  • Progress Fund
  • Reinvestment Fund
  • Rising Tide Community Loan Fund
  • Rural Community Assistance Corporation
  • Rural Electric Economic Development, Inc.
  • San Luis Obispo County Housing Trust Fund
  • Santa Cruz Community Credit Union
  • Seattle Economic Development Fund
  • Self-Help & Affiliates
  • Support Center
  • TELACU Community Capital
  • The Loan Fund
  • TruFund Financial Services
  • Twin Cities Community Land Bank
  • Valley Economic Development Center
  • Vermont Community Loan Fund
  • Virginia Community Capital
  • Wisconsin Womens Business Initiative Corporation
  • WomanVenture
  • Working Solutions