Northern California Community Loan Fund

The Northern California Community Loan Fund promotes economic justice and alleviates poverty by increasing the financial resilience and sustainability of community-based nonprofits and enterprises. Through flexible financial products and sound advice, we create opportunities to make socially responsible investments that revitalize Northern California communities.

NCCLF has both individual and institutional investors. Our total loan pool is over $50 million. We provide socially responsible investors with an opportunity to help nonprofit organizations provide affordable housing, essential community facilities, and vital human services. Qualified investors place their funds at a predetermined interest rate and term and we make loans from the loan capital pool to qualified development projects. An investor’s funds can potentially be cycled through several loans during the term of investment in the pool.

Our loans support nonprofit projects and enterprises that benefit low-income residents or communities throughout the 46 northernmost counties of California. Applicants must demonstrate strong governance, sound fiscal management and feasibility of their proposed project or borrowing need. We try to meet the needs of our borrowers and believe in a personal, flexible approach to lending and a hands-on partnership with every organization. Please visit us at www.ncclf.org.

Financial description

We believe in the power of capital and financial expertise to transform distressed neighborhoods and empower low-income people to build a better future for themselves. Through a socially responsible investment with NCCLF, we can revitalize our communities and create new opportunities for disadvantaged people to create a better future for themselves and their families.
Since our founding in 1987, NCCLF has not lost a single dollar of investor capital. Investors into our general lending pool choose the interest rate and term of their investment within guidelines set by NCCLF.
NCCLF lends money primarily to nonprofit organizations that benefit or provide services to low-income or under served communities. We support affordable housing projects, human service programs, and community facilities. We also offer loans to worker-owned cooperatives. Opportunities also exist to receive higher rates of return via direct participation loans into specific projects.