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Following a structural shift in 2025 where federal programs providing flexible capital for clean energy projects receded, RMI convened 70 practitioners to identify how to make community projects fit the "credit box" of mainstream capital. The report argues that projects often fail to secure financing due to three primary gaps: affordability (economic viability for low-income users), risk perception (investor discomfort with unfamiliar risks), and market access (assets being too small or fragmented for secondary markets). To resolve these, the report proposes four priorities for 2026: fixing the affordability gap through tools like on-bill mechanisms and interest rate buydowns; addressing risk perception via standardized credit enhancements; closing the market access gap through asset aggregation and warehousing; and resolving ecosystem capacity constraints by investing in subnational financing systems to improve coordination and capital translation.