About Us - semble

ABOUT SEMBLE

Financing That Strengthens Communities

We help nonprofits access lower-cost financing while turning supporters into impact investors.

When people can align their investments with causes they care about, communities become stronger, nonprofits become more sustainable, and impact grows.

250+

Nonprofits Served

20+

Years Experience

1,000+

Impact Investors

Why We Exist

Across the country, nonprofits provide essential services, education, housing, youth programs, and community support.

Yet many organizations face high borrowing costs, limited access to capital, or financing structures that divert too much money away from their mission.

Semble was created to change that.

Our platform helps nonprofits explore financing options that may include community-backed investments and strategic lending relationships, creating a more flexible path to funding.

Our goal is simple:

Turn debt payments into mission impact.

How We Help

We help nonprofits access affordable financing, engage supporters as impact investors, and strengthen long-term sustainability.
Our approach creates greater financial flexibility while driving meaningful impact in the communities they serve.

Lower Financing Costs

We help organizations explore financing structures that can reduce monthly payments and improve long-term sustainability.

Engage Supporters in a New Way

Supporters can participate as impact investors, aligning financial goals with community impact.

Build Stronger Communities

When nonprofits keep more resources focused on their mission, communities benefit through expanded services, programs, and opportunities.

What Makes Semble Different

Unlike traditional lenders, Semble focuses on coordinating financing solutions that connect nonprofits, supporters, and lending partners through a single platform.

This creates more options, greater flexibility, and stronger alignment between financial outcomes and community impact.

More Options

Explore multiple financing paths instead of a single lender relationship.

Supporter Alignment

Give supporters a stake in the organization’s financial growth

Mission-Focused

Prioritize community outcomes, not just transactions.

Beliefs

At the heart of Semble and its leadership team are several core beliefs motivating and driving every decision we make.

We believe in creating Opportunity

We believe extraordinary times create extraordinary opportunities. Many of our community nonprofits are facing the “perfect storm,” with demand for services up and access to loans either severely limited or denied.

We believe in the power of “intentionality.”

By facilitating opportunities for supporters to intentionally direct a portion of their investment portfolios to lower the cost of loans for our local nonprofits, this will free up resources for greater mission impact.

We believe in the power of “We.”

The Semble online lending platform unites individuals and their communities in a powerful and dramatic way which, in turn, allows “We” to do more with less.

We believe in the Law of Abundance.

We believe abundance grows when communities come together to create meaningful impact

We believe in creating Confidence

We reject fear and scarcity thinking by helping nonprofits access opportunities that inspire confidence, stability, and sustainable growth.

We believe in Action over words

We focus on delivering real results through meaningful action, strong partnerships, and a genuine commitment to community impact.

Our Team

Todd R. Tarbert

CEO, Semble

Nancy Tarbert

Community Impact Associate

Jeffrey Friedel

Asst. Community Impact Associate

Passionate about mission-driven lending and helping organizations create lasting community impact.

Alex Smith

Asst. Community Impact Associate

Dedicated to connecting organizations with the resources they need to grow and thrive.

Noah James

Asst. Community Impact Associate

Focused on building strong partnerships that empower communities and drive meaningful change.

What is Semble?

Semble is a nonprofit financing platform. Semble connects nonprofits that need a loan with supporters who want to invest in that loan.

What does Semble do?

Semble helps nonprofits get low-cost loans. Instead of borrowing only from a bank, nonprofits borrow from their own supporters through Semble.

Why choose Semble over a bank loan?

Semble loans often cost less than bank loans. Nonprofits can lower monthly payments by up to 60%.

Who can use Semble?

Any nonprofit or ministry can use Semble, as long as it qualifies under the 501(c) tax code and has a loan need.

What kind of loans does Semble offer?

Refinancing to lower an existing loan’s interest rate
Construction and expansion loans
Bridge loans to cover a short-term funding gap

Is Semble a bank?

No. Semble is not a bank. Semble is a lending platform that connects nonprofits with investors and, when useful, with bank partners too.

Frequently Asked Questions

Let's Increase Your Mission Impact.

See how much your organization could save and reinvest into the community.