Financial Capital

Stability. Security. Opportunity.

At Xiente, we believe that financial capital is a powerful tool for transforming lives. It represents more than income—it includes savings, assets, credit, and the confidence to plan for the future. For families to move from survival to long-term prosperity, they need more than support—they need access, knowledge, and the means to build wealth.

Why Financial Capital Matters

Financial capital enables families to meet daily needs, weather economic shocks, invest in education, start businesses, and build intergenerational wealth. Yet many families we serve face systemic barriers—limited access to banking, predatory lending, housing insecurity, and a lack of financial education.

At Xiente, we address these barriers head-on through financial empowerment strategies that build resilience and self-sufficiency.

I went from starting here, getting approved for the apartments, working on my credit, [to] financial literacy. They helped me, especially Steph and Jamika.

How We Strengthen Financial Capital

Through our programs, Xiente helps individuals and families:

• Develop financial literacy through workshops and 1:1 coaching
• Build credit and reduce debt with practical tools and personalized support
• Access rental assistance and homeownership pathways
• Participate in Guaranteed Income pilots that provide unconditional cash support
• Plan and save for emergencies, education, and long-term goals

We’re creating generational wealth because we don’t want our children to struggle like us.

What We Strive to Achieve

Our goal is to ensure that every family we serve can not only survive—but build a stable financial foundation for the future. We aim to:

• Increase the number of families with savings and emergency funds
• Improve credit scores and reduce debt for participating households
• Expand access to asset-building tools like homeownership and small business support
• Use data from Guaranteed Income programs to advocate for systemic policy change