A community-rooted nonprofit lender serving the Black business sector in SoCal’s Los Angeles, Riverside, San Bernardino, and Orange Counties. A community-rooted nonprofit lender serving the Black business sector in Southern California. Based on the spirit of cooperative economics, BCIF is a 501(c)3, community-based organization that provides microloans to the Black community through pooled dollars and raises awareness about the importance of economic empowerment, equity, and wealth building, with a specific focus on communities in the Southern California region.