Over Innovation of Inertia is a research firm (non-for-profit) with a 501(C)(3) EIN#46-3303145 that helps banks meet their community reinvestment needs (CRA) by creating measurable social impact services to improve Low income areas through Health, Economic Development, Law and Policy (HELP).



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Over Inertia exists due to the overwhelming numbers of disparities that exists in communities of color. Did you know that depending on one’s zip code, an individual’s life expectancy can be diminished by up to 12 years? Type your zip code to learn more about the communities near you.


Therefore, our purpose, our cause is to challenge the status quo. The dilapidation and housing issues, drugs, food deserts, lack of equity, violence, extreme poverty, poor education, is not the way. We exist to create a positive change everyone can see! We shall overcome! We shall overcome inertia, and create vibrate sustainable community change, one community at a time. Where everyone can live life with liberty, and vitality to pursue their own happiness.

Our Business Model

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