PCG's goal is to provide flexible debt capital that can be used for project or programmatic needs. 

• Current Direct Loan Limit: $50,000 - $550,000
• Participation or Syndicated Lending Limit: Unlimited
• Term:  Generally one (1) year up to ten (10) years maximum.  (Average historical loan term is 48-60 months.)
• Interest Rates:  1) Prevailing market rates tied to the published Wall Street Journal Prime Rate plus up to a maximum of 5% for loan terms of one (1) year or less, and 2) U.S. Treasury (UST) Five-Year Note Yield plus up to a maximum of 5% for loans of more than one year. 
• Interest rate pricing will vary based on a borrower's credit history, term requested, loan risk profile, market conditions, and our prevailing cost of capital.
• Loan-to-Value Ratio (LTV):  Maximum LTV is generally 90%.
• Structure:  Senior or subordinated debt, participation or co-lending instruments, certificates of deposit.  Final loan structure is based on specific borrower or project needs.
• Repayment Terms: Loans typically structured as fully amortizing, but can be non-amortizing based on borrower needs and PCG's available loan capital.
• Collateral:  Required for all loans, but is flexible and varies by project type and borrower needs.
• Fees:  Non-refundable loan commitment fee equal to 1.5% of total loan amount, plus applicable credit report, title, search, wire transfer and filing fees. A one-time syndication fee is applicable for multi-lender transactions.
• International Loans:  A maximum of 20% of PCG's total loan portfolio is dedicated to international borrowers. Loans are provided, and are to be repaid in U.S. dollars only.
• Technical Assistance Services: PCG provides individualized technical assistance to its borrowers and prospective borrowers.  The nature of the technical assistance services is based on the needs of each borrower and may include business plan review, financial systems review, and capacity assessments and recommendations.
• To apply for a loan, please call our Lending Group at 202-689-8935 prior to submitting an application, and to get additional information.

International Loans

Since the founding of the first PCG fund in 1989, we have had a deep commitment to alleviating poverty abroad.

We dedicate a portion of our loan portion to promoting microfinance and entrepreneurs in developing countries. By lending to organizations that provide small loans to the poor to help them start micro enterprises or engage in productive agricultural activities, we have enabled our investors to have far reaching impact.

We lend to international development organizations and microfinance institutions that provide access to capital to women and other at-risk populations. We also support fair trade organizations and innovative investment vehicles with the potential to systemically expand the pool of capital available in the microfinance industry.