. >> reporter: former futures trader rowan richards started the stewards market six years ago. >> what's the background on that shoe going to be? >> reporter: even though sales topped $50,000 last year, richards says he recently had trouble getting a loan to expand. >> we didn't have enough track record a lot of times, you know, and people didn't understand who we were. "okay, nonprofit-- that's also doing business. we want to see a little bit, come back and talk to us later." >> reporter: the stewards market eventually got a $50,000 loan thanks to calvert foundation's community investment notes. the notes work like bonds, and let individual investors finance a variety of community programs from affordable housing to job training. stewards market provides opportunity in an area where very little opportunity exists. unemployment in the humbolt park neighborhood is about 14%, and many families in this neighborhood have been struggling with poverty for generations. calvin holmes heads the chicago community loan fund, which distributes financing from calvert to local organizations. holmes sa