Merrill Lynch Community Development Company’s (MLCDC) strategy is to lend and invest through community development intermediaries, building strategic relationships to benefit disadvantaged businesses and communities. MLCDC will offer flexible and significantly discounted debt and equity capital to CDFIs/CDEs, especially those that do not have their own NMTC allocation. The lowest rates and most relaxed terms will be offered to CDFIs in areas of increased distress, as wall as those that commit to pass through substantial benefit to their end-borrowers. MLCDC will deliver this low-cost, flexible capital in combination with an expanded financial advisory and technical assistance program.