Mainstream financial institutions also invest their own capital directly in CDFIs, receiving Community Reinvestment Act (CRA) credit and potential cash rewards under the CDFI Fund’s Bank Enterprise Award Program. CDFIs, on the other hand, create a future market for mainstream financial institutions products and services. They incubate businesses and people, helping them to grow and prosper. Once these customers achieve some success, establish good credit history, and reach a substantial size, they can move forward to borrowing larger amounts of financing from conventional lending institutions. CDFIs are trailblazers in their communities, leading the way in investing in distressed urban and rural neighborhoods and bringing people into the economic mainstream as contributors to the economy.