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Security report for crossroads.com

Crossroads Impact Corp · Finance · United States

High risk. 8 critical or high findings in GDPR outside view, SSL/TLS and 2 other checks.

Security score

48/100

Risk levelHigh

0–100, higher is better. How it is calculated

Crossroads Impact Corp is a medium-sized holding company focused on investing in businesses that promote economic vitality and community development, particularly targeting underserved and underbanked communities. Their business model centers on providing capital and innovative lending solutions to local financial institutions and minority-owned small businesses, positioning themselves as a leader in social impact finance. The website reflects a professional and consistent brand presence with clear navigation and relevant content aimed at investors and community stakeholders. Technically, the site is built on WordPress using the Divi theme and several plugins, hosted likely on WPEngine, with moderate performance and good mobile optimization. Security posture is solid with HTTPS enforced and no visible vulnerabilities, though some security headers and policies could be improved. Privacy compliance is basic, with a privacy policy present but no cookie consent mechanism or GDPR indicators. Overall, the website demonstrates a credible and trustworthy business presence with room for enhancements in security and privacy transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
28/ 100 · High
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

8 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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Keep watching crossroads.com

This scan found 21 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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Recommended

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
0
Security headers
15
Email security
62
DNS health
80
Network security
100
GDPR outside view
28
Average
48

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Crossroads Impact Corp operates in the finance sector with a focus on community development and social impact lending. Their subsidiaries include Capital Plus Financial and Riseline, indicating a diversified portfolio in financial services. The company targets investors interested in socially responsible investments and community banks seeking capital access. Their market position is that of a socially conscious impact lender with a growing footprint in underserved markets. The website content and press releases suggest active engagement with stakeholders and a commitment to transparency. Partnerships such as with dovetail solutions for media relations enhance their communication strategy. The business model relies on leveraging capital to generate economic and social benefits, aligning with ESG principles. Growth indicators include recent press releases and social impact reports highlighting significant investment increases.

Security posture

The website employs HTTPS with a valid SSL certificate, ensuring encrypted communications. No explicit security headers like Content Security Policy or HSTS were detected, which could enhance protection against common web attacks. There is no visible security or incident response policy published, nor a vulnerability disclosure program or security.txt file. The site uses standard WordPress plugins and themes, which should be regularly updated to mitigate vulnerabilities. No exposed sensitive data or credentials were found in the HTML content. Forms appear limited and do not collect sensitive personal data directly on the homepage. Overall, the security posture is good but could be improved by implementing additional headers, publishing security policies, and establishing a vulnerability disclosure process.

Recommendations

  1. Implement and enforce security headers such as CSP, HSTS, and X-Frame-Options to strengthen web security.
  2. Add a cookie consent banner and detailed cookie policy to comply with privacy regulations and improve user transparency.
  3. Publish a formal security policy and incident response plan accessible on the website to build trust and preparedness.
  4. Establish a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  5. Regularly audit and update all WordPress plugins and themes to minimize risk from known vulnerabilities.

Contact details published on the site

Addresses
Legal name
Crossroads Impact Corp
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Crossroads Impact Corp
Description
Crossroads Impact Corp is a holding company focused on investing in businesses that promote economic vitality and community development. Their mission includes empowering local financial institutions with easier access to capital and providing capital to underserved and underbanked communities.
Key services
Investment in community banks, Capital provision to underserved communities, Social and environmental lending, Support for minority individuals and small businesses
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Google Fonts, EventON plugin, Divi Theme, WordPress
Frameworks
WordPress, Divi
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of standard WordPress security plugins inferred

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is professionally designed with consistent branding
  2. Content focuses on community development and financial services
  3. No cookie consent mechanism detected
  4. No explicit security or incident response policies published
  5. Use of WordPress and Divi theme with common plugins
  6. Contact information is clearly provided including email and phone
  7. No suspicious or malicious indicators found
Technical notes

Notes

The website is built on a modern WordPress CMS platform using the Divi theme and several plugins including EventON and Divi Machine. It leverages Google Fonts and jQuery libraries for frontend functionality. Hosting appears to be on WPEngine, a reputable managed WordPress host. Performance is moderate with some optimization possible. The site is mobile responsive and uses standard SEO meta tags. Accessibility features are basic but present. There is some technical debt in the form of missing security headers and lack of cookie consent mechanisms. The site uses AJAX and dynamic content loading for enhanced user experience. Overall, the technical infrastructure is solid but could benefit from modernization in security and privacy compliance areas.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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