The report lays out the full breadth of the data and findings from the study, as well as the recommendations and guidance for philanthropic foundations, donors and funders, which includes:

• Support expenditures that allow for maximum one-to-one, in-person services.
• Addressing rural-urban disparities is an urgent need.
• Invest in strategies and organizations that are led by members of the specific communities being served.
• Invest in language services offered by native language speakers.
• Digital equity issues and broadband coverage gaps must be addressed immediately.
• Develop financial products specifically designed for businesses farthest from opportunity, including: character based lending; lending circle programs; Sharia-compliant financial products; loans with a zero percent interest rate; services for small business owners using Individual Taxpayer Identification Numbers, such as Tribal members or non-documented immigrants; Local Investment Networks; credit repair and credit building programs and community led investment funds.