Abstract: A consumer capital distribution system for providing revenue to underfunded municipal projects and charitable organizations. Consumers are provided with a member card that is linked to a charity of their choice, and a consumer loyalty program that retains store credits for any participating retailers the consumer patronizes. When the consumer makes a purchase at t participating business, a first portion of the purchase price is donated by the business to the consumer's selected charity; a second portion is contribution to a participating business retirement plan fund; and a third portion is attributed to the consumer's loyalty program account as a store credit. The system is administered by an administrative entity that enrolls new consumers, businesses and charities, and tracks the account details and donation history of each. The system and method thus help municipalities to provide revenue to projects that would otherwise go unfunded.