This report is intended as a practical tool for those seeking to understand how capital does and does not flow to communities, businesses, and households. This can inform efforts by community developers to identify projects in need of financing, raise capital, and design and market new financial products and services. We provide a concise how-to guide across five approaches to assessing community need, a four-step process to study capital flows, and eleven approaches to determining capital gaps. To help ground this, we provide examples drawing from original data about the Twin Cities of Minneapolis and St. Paul, Minnesota.