Smith & Roller Holdings (S&R) uses real estate development, communications, social impact, entrepreneurship, and community engagement to inform their approach to community development. By partnering with people in city government, education, urban planning, community organizing, and the arts, S&R reactivates historically significant properties in Philadelphia and turns them into spaces that nurture creativity, commerce, and public engagement. Smith & Roller Holdings is currently working on the construction of a new five-story residential building in North Philadelphia’s Kensington neighborhood. They are also renovating two existing buildings: a former industrial building and a former bank. This loan will fund architecture, engineering, and pre-construction management costs for the three buildings, which will ultimately contain 90 units of housing, more than a third of which will be affordable to people earning up to 80% of the area median income.