Lending Partners

Our Lending Partners serve low-income people and communities across the U.S. and internationally. These nonprofit and mission-driven for-profit institutions finance projects that promote affordable housing, neighborhood revitalization, entrepreneurship, and healthy communities.

Baltimore, Maryland

We offer rehabilitation loans for home ownership and commercial development to residential and commercial borrowers. Whether you dream of owning your own home or are interested in developing a commercial property, we have a loan program to suit your needs. We work with homeowners, businesses, community groups and developers, creating a stronger, more vibrant Baltimore in the process.

Boston, Massachusetts

Boston Community Loan Fund (BCLF) looks beyond the standard metrics of collateral and credit history, instead basing loans on our assessment of the borrower’s capabilities, our knowledge of the community and our evaluation of each project’s impact. The efficacy of this method is underscored by our extraordinary lending record, with total losses of less than one-thirtieth of one percent, and all lenders repaid on time and in full. BCLF provides loans to nonprofit organizations, community development corporations (CDCs) and local developers that build affordable housing and provide social and community services for underserved communities. Founded on the firm conviction that low-income communities can sustain debt, we make loans that enhance and stabilize these communities. Our loan products and services are customized to meet the needs and constraints of our borrowers, providing fast, flexible and sufficient capital at each stage of a project’s development.

Bethesda, Maryland

Calvert Foundation’s mission is to maximize the flow of capital to disadvantaged communities in order to create a more equitable and sustainable society. By creating innovative financial products and services, we have made it possible for everyday people, not just institutions, to participate in financial instruments that directly serve communities. It’s a win-win. You can lift people out of poverty through an investment that also earns a financial return.

Chicago, Illinois

The mission of the Chicago Community Loan Fund is to provide flexible, affordable and responsible financing and technical assistance for community stabilization and development efforts and initiatives that benefit low- to moderate-income neighborhoods, families and individuals throughout metropolitan Chicago.

Washington, District Of Columbia

We see the possibilities in places that others do not. Our loans have revitalized communities by providing capital for business growth and development in low and moderate income areas. See how our financial services can work for you and how your deposits can work for the community.

Lake Forest, California

At Clearinghouse CDFI we believe in providing equal access to credit in neighborhoods of all income levels and ethnicities. We spend the time and energy required to find creditworthy borrowers whose projects create assets in the community. These borrowers, because of their unique circumstances, are rejected or not even considered by traditional lenders. Community development lending must be profitable in order to be sustained. As with conventional lenders, we carefully evaluate each applicant’s ability to repay the loan. Unlike traditional lenders, we do not have predefined loan programs. We analyze each loan application individually. Every loan we make benefits the community in a measurable way.

Wiscasset, Maine

Coastal Enterprises is an expert in rural business funding, development, and financing. A private, nonprofit Community Development Corporation and Community Development Financial Institution based in Wiscasset, Maine, CEI was founded in 1977 to develop job-creating natural resources and small business ventures in rural regions of Maine, and has grown to serve business funding all of Maine, its primary market, and areas of northern New England and upstate New York. With its New Markets Tax Credit Program, CEI is able to invest in projects throughout rural America. CEI does its work by funding, lending and investing in small and medium sized businesses, and providing business support and technical counseling services to those who need them. A pioneer in its field, CEI is one of the nation's premiere rural Community Development Corporations.

Decatur, Georgia

Community Housing Capital (CHC) provides Interim Development and Permanent Multifamily loans to NeighborWorks®organizations nationwide. CHC's primary mission is to promote affordable housing by providing access to flexible capital that is typically the missing piece in making affordable housing a reality in both urban and rural communities. CHC's diverse lending activity includes loan capital that finances the development of all types of affordable housing. CHC’s customer base has a national reputation of delivering these products in a total neighborhood revitalization context.

Columbia, Maryland
Enterprise Community Loan Fund (ECLF) meets the critical capital needs of communities across the country. ECLF provides community developers access to interim financing, which is otherwise unavailable for local projects such as affordable housing, childcare facilities, charter schools and healthcare facilities. ECLF has lent more than $1 billion to develop, preserve or rehabilitate over 83,000 homes for low- and very-low-income people across the United States. ECLF is a U.S. Treasury Department-certified Community Development Financial Institution, with more than $140 million in assets.
Orlando, Florida

The Florida Community Loan Fund (FCLF) is a state-wide Community Development Financial Institution (CDFI). Established in 1994 as a 501(c)(3), we are a mission-based non-profit organization dedicated to improving low-income communities throughout Florida by delivering flexible financing. Our lending approach focuses on providing various types of financing to meet the needs of non-profit organizations and mission-based for-profit organizations that develop affordable housing, supportive housing, community facilities, and economic development projects. This financing can include loans for new construction, preservation, rehab, acquisition, lines of credit, and/or longer term permanent financing.

Madison, Wisconsin

Forward Community Investments transforms communities by supporting projects and programs that focus on affordable housing, job creation, economic development and basic social services. We provide money and expert advisory services to nonprofit organizations serving our most in-need communities.

Jackson, Mississippi

Formerly Enterprise Corporation of the Delta, HOPE Enterprise Corporation is a private, nonprofit community development financial institution (CDFI), that provides commercial financing, mortgage loans and technical assistance to support businesses, entrepreneurs, home buyers and community development projects. HOPE's mission is to strengthen communities, build assets and improve lives of people in economically distressed areas of Arkansas, Louisiana, Mississippi, and Memphis, Tennessee. HOPE also sponsors Hope Credit Union, which provides a range of financial products and services that meet the needs of low- and moderate-income residents in its four-state service area.

IFF
Chicago, Illinois

One of America's leading nonprofit community development financial institutions (CDFI), IFF strengthens nonprofits and their communities through lending and real estate consulting. With total assets of more than $371 million, IFF is able to help nonprofits finance, plan, and build facilities that are critical to their mission and success. Since 1988, we have been a trusted partner to nonprofits in every sector, including health care, education, child care, and housing. We help nonprofits grow and successfully complete their capital projects. IFF serves nonprofits in Illinois, Indiana, Iowa, Missouri, and Wisconsin, with a focus on those that serve low-income communities and special needs populations.

Washington, District Of Columbia

The Institute for Community Economics is a federally certified Community Development Financial Institution that makes loans for permanently affordable housing across the United States. ICE is the originator of the community land trust (CLT), a housing model that develops equity for homeowners while preserving public subsidy and affordability in perpetuity. ICE’s revolving loan fund has been providing financing for over 30 years. Since its creation in 1979, ICE has loaned $44 million, representing more than 445 loans to community organizations in 30 states and facilitating the development of more than 4,500 housing units. ICE’s principal lending goes to community land trusts, limited equity cooperatives, and community-based nonprofit organizations creating housing that is permanently affordable to people with lower incomes.

New York, New York

JP Morgan Chase has built its reputation on financing affordable housing, extending its commitment beyond homeownership and rental housing to include commercial projects, day care and healthcare facilities, special-needs facilities, not-for-profit real estate ventures and more. Its lending and investing activities are designed to help revitalize entire communities — not just standalone structures. Tax-Oriented Investments, a part of the Investment Bank, makes tax credit equity investments in apartments qualifying for Federal Section 42 Low Income Housing Tax Credits (LIHTC) and, when done in tandem with Section 42 transactions, Federal Section 47 Historic Credits. Known externally as JPMorgan Capital Corporation (JPMCC), it is a nationally recognized leader in the business. JPMCC works closely with other areas of the firm, including Community Development Banking (CDB). JPMCC partners with CDB by providing it access to a variety of transactions through JPMCC's syndicator partners and assuring the developers an efficient and certain execution.

Milwaukee, Wisconsin

Founded by Sally Peltz, Legacy Redevelopment Corporation provides creative solutions for Milwaukee's underserved markets. Since originating its first loan in 2003, Legacy Redevelopment Corporation is the only U.S. Treasury-certified Community Development Financial Institution (CDFI) with focus on housing and commercial real-estate in Milwaukee's central city. Legacy Redevelopment Corporation is uniquely dedicated to non-profit and small businesses, many of which are minority-owned. Believing sustainability is advanced when businesses and organizations have access to capital, Legacy Redevelopment Corporation borrowers transform city-owned vacant lots and neglected buildings into affordable housing and thriving commercial spaces. Since 2003, Legacy Redevelopment Corporation continues to build a sustainable and economically diverse central city.

Elmsford, New York

The Leviticus 25:23 Alternative Fund, Inc. is a not-for-profit financial intermediary, motivated by faith, that offers investors a socially-responsive means to serve low-income neighborhoods. The Fund provides flexible capital and financial services for the development of affordable housing and community facilities, especially child care centers, throughout New York, New Jersey, and Connecticut.

Dumas, Arkansas

Merchants and Farmers Bank, an Arkansas Bank chartered in 1909, is a subsidiary of M & F Financial Corporation located in Dumas, Arkansas. As a community bank, Merchants and Farmers Bank is closely tied to the businesses, organizations, and people in the communities it serves. Merchants and Farmers Bank has been a key player in Dumas’ growth and development since 1909 and continues its strong commitment to community development today. Merchants and Famers supports efforts to revitalize poor neighborhoods through investments for loans in cooperation with the Economic Community Development Program; works with the Chamber of Commerce, Industrial Development, Transportation, Housing, Education and River Ports, and offers financial support to the Main Street Dumas Program, the Dumas Airport, and donations to over sixty area organizations.

Dover, Delaware

NCALL has been in business serving the Delmarva Peninsula since 1976. NCALL is an IRS designated 501(c)(3) nonprofit organization based in Dover, Delaware that specializes in affordable housing development, education, and lending. As a service provider for lower income households, NCALL also offers pre-purchase counseling, financial literacy, and default and foreclosure programs to the public. As an intermediary working on the Delmarva Peninsula, NCALL assists locally based nonprofits to develop multi-family housing projects, mostly apartments, through a variety of development services such as financial packaging, asset management, and organizational development.

Arlington, Virginia

NCB Capital Impact helps people and communities reach their highest potential at every stage of life. As a nonprofit organization and a certified Community Development Financial Institution with a national presence, NCB Capital Impact improves access to high-quality health and elder care, healthy foods, housing, and education in low-income communities across the country. Our impact is built on a diverse and extensive network of alliances, our depth of experience, and a cooperative approach. We partner with public and private organizations that are like-minded in mission, and dedicated to long-term success.

National City, California

Since inception, Neighborhood National Bank (NNB) has become an established and recognized leader in providing banking products and services to San Diego’s under-served and economically challenged communities. Our success can be attributed to our high level of service and commitment to our communities, our employees, and our shareholders.

Silver Spring, Maryland

NeighborWorks Capital’s customers are NWOs in the real estate development line of business and aligns with NeighborWorks America’s strategic goals of production, preservation and provision of capital. Based on those goals NC has developed core and expanded loan products - from Predevelopment through Mini-Perm. NC’s products provide flexible and affordable capital to NeighborWorks members by financing pre-development costs, acquisition of land and buildings, construction, rehabilitation, and preservation of NWO-owned rental properties that undertake property improvements that include green and energy saving components. NC does not offer long-term permanent financing as this is typically available locally and nationally by financial institutions. Distri­buted across all 50 states, the NeighborWorks® network includes a diverse array of nonprofit, mission-driven organizations engaged in real estate develop­ment, economic development, neighborhood revitalization, and community services in urban, suburban and rural communities across the United States.

Concord, New Hampshire

The New Hampshire Community Loan Fund collaborates with a wide range of donors and lenders, and with business, nonprofit and government partners. Together, we provide the financing and support that people with low and moderate incomes need to have affordable housing. Quality jobs. Child care and early education for their children. And to become financially independent. We were established in 1983, one of the first Community Development Financial Institutions in the U.S., and have received the highest honor in our field, the Wachovia NEXT Award for Opportunity Finance.

New York, New York

As one of the nation's leading community development financial institutions (CDFI), Nonprofit Finance Fund (NFF) makes millions of dollars in loans to nonprofits and pushes for fundamental improvement in how money is given and used in the sector. Since 1980, we've worked to connect money to mission effectively so that nonprofits can keep doing what they do so well. We provide a continuum of financing, consulting, and advocacy services to nonprofits and funders nationwide. Our services are designed to help great organizations stay in balance, so that they're able to successfully adapt to changing financial circumstances -- in both good and bad economic times -- and grow and innovate when they're ready. In addition to loans and lines of credit for a variety of purposes, we organize financial training workshops, perform business analyses, and customize our services to meet the unique financial needs of each client. For funders, we provide support with structuring of philanthropic capital and program-related investments, manage capital for guided investment in programs, and provide advice and research to help maximize the impact of grants.

Minneapolis, Minnesota

Since 1980 we have been helping nonprofits thrive. Our financial experts are here to help you strengthen your capacity to address unexpected events, finance new opportunities, and realize strategic goals. We fulfill our mission by helping you thrive. Our engagement with nonprofits is based on respect for their organizations and seeks to make an impact on their work and the communities they serve.  We are committed to a vital nonprofit sector as a leader and collaborator. We are dedicated to innovation and integrity in the operation of our business.

Minneapolis, Minnesota

Northcountry Cooperative Development Fund (NCDF) is a cooperatively owned community-development loan fund committed to fostering economic democracy by investing in cooperative enterprises. Based in Minneapolis, Minnesota, NCDF currently serves more than 175 co-op members in 30 states, including natural food, consumer, producer, housing and worker-owned cooperatives. A federally certified Community Development Finance Institution (CDFI), NCDF creates opportunities for cooperatives and social investors to invest in the national cooperative movement, with an emphasis on community development within economically challenged and underserved communities. Since its founding in 1978, NCDF has originated over $31 million in cooperative financing.

Oakland, California

The Mission of One PacificCoast Bank, FSB, is to build prosperity in our communities through beneficial banking services delivered in an economically and environmentally sustainable manner. One PacificCoast Bank, FSB, is an FDIC-insured Community Development Financial Institution (CDFI) that serves businesses, nonprofit organizations, and individuals. One PacificCoast Bank operates from a triple-bottom-line measuring its financial, social, and environmental impact to meet the needs of its communities. The bank is headquartered in Oakland, California with branches in Seattle, Washington, Ilwaco, Washington, and Portland, Oregon. Our vision is of a banking industry that is fair to the person with the least bargaining power; provides access to financial services for all our communities, particularly the traditionally underserved; results in the long-term prosperity of responsible consumers; promotes financial system stability; and contributes to the sustainability of the environmental commons. We call this vision beneficial banking.

Washington, District Of Columbia

OpenDoor Housing Fund helps to create economically strong and diverse communities by providing low-interest loans to mission-oriented affordable housing developers. These loans provide the early critical funding necessary to bring affordable housing plans to fruition. Neighborhoods are built on providing safe and affordable homes for low-income families and individuals. The Washington metropolitan region has one of the nation’s most expensive housing markets, with housing and rental costs more than doubled in the past three years. As higher home prices squeeze low-income families out of the home buying and rental markets, diversity of local communities and family stability are threatened. OpenDoor plays a vital role  in the future of our communities.

Chicago, Illinois

The mission of Seaway Bancshares, Inc., and its wholly-owned subsidiary, Seaway Bank and Trust Company, is to perform as a premier financial institution providing a broad range of financial services to the communities it serves within the Chicagoland market area. Seaway Bank and Trust Company is a full-service commercial bank that emphasizes quality service and community commitment. Established in 1965 as Seaway National Bank of Chicago, it was created to counter discriminatory lending practices on Chicago's South Side. The founders, a group of local businessmen, sold shares door to door throughout the community to raise the $1,000,000 in capital needed to secure the Federal charter. By the end of its first year, Seaway's assets had climbed to over $5,000,000, and the bank has grown steadily over the years. At year end 2010, Seaway had more than $548,000,000 in assets and 278 employees.

Baltimore, Maryland

Harbor Bank of Maryland opened its doors in September of 1982 with $2.1 million in assets. As of December 31, 2011, Harbor Bank's assets were $241 million. The bank conducts general banking business in seven branch locations and primarily serves the Baltimore, Maryland Metropolitan area. The Bank also has a branch in Riverdale, Prince George’s County, Maryland. The Harbor Bank offers checking, savings, time deposits, credit cards, debit card, commercial real estate, personal, home improvement, automobile, and other installment and term loans. The Bank is also a member of a local and national ATM network. The retail nature of the Bank allows for diversification of depositors and borrowers so it is not dependent upon a single or a few customers. The bank is proud of being the first community bank in the country to have an Investment Subsidiary, Harbor Financial Services.

Jenkintown, Pennsylvania

The Isaiah Fund is a permanent national faith-based major disaster response pooled loan fund. It was founded in May 2008 as the result of a collaborative initiative by the American Baptist Home Mission Societies, CHRISTUS Health, Highland Good Steward Management, Bend the Arc: A Jewish Partnership for Justice, and Everence Community Investments. It began as a result of a trip in March 2006 by the Katrina Subcommittee of the Interfaith Center on Corporate Responsibility’s (ICCR) Access to Capital Committee. Bend the Arc hosts and manages the Isaiah Fund, which draws on 14 years of community investment expertise through its Tzedec Community Investment Program. Isaiah partners, including the American Baptist Home Mission Societies, CHRISTUS Health, Everence Community Investments, and others, also bring extensive community investment experience. The Isaiah Fund uniquely fills a significant need for equitable capital for affordable housing, small business development, and community facility development.

Chicago, Illinois

Urban Partnership Bank is an FDIC-insured, full-service, certified Community Development Financial Institution that was created in August 2010. The certification from the CDFI Fund acknowledges the Urban Partnership Bank mission of serving urban communities, building better lives, vibrant communities, and long term success. With $1.3 billion in assets, it works together with individuals, small businesses, nonprofits, foundations, and faith-based organizations in distressed and underserved urban communities in Chicago, Cleveland, and Detroit to deliver quality financial services that often cannot be obtained elsewhere.  It strives to catalyze economic and environmentally sustainable opportunities that build better lives and vibrant urban neighborhoods, while creating long-term success.

Richmond, Virginia

Virginia Community Capital (VCC) is a multi-million dollar non-profit, community development financial institution (CDFI) and banking entity providing innovative loan and investment solutions for affordable housing and economic development projects in the Commonwealth of Virginia. Our mission is to offer innovative, flexible financial products designed to support housing and community development ventures, increase jobs and build sustainable communities. VCC offers loan capital that is broader than bank lending to projects that have a positive community impact in low- to moderate-income communities in underserved geographies and markets.