Loans and education create opportunity and transform lives

Mom and kids walking through Pepperidge Woods, a resident-owned community

The New Hampshire Community Loan Fund seeks out those places in the Granite State’s economy where the right types of financing – or the right combination of loan plus education, training, or technical advice – can open doors of opportunity for people with low and moderate incomes.

Manufactured housing

ROC-NH™ helps homeowners and landlords convert manufactured housing parks into communities that are cooperatively owned and governed by residents. ROC-NH’s fixed-rate financing, educational and technical assistance help homeowners build equity, create stability, develop leadership and strengthen their resident-owned communities.

Homeowners in (or buying a home in) resident-owned communities or on their own land can get fixed-rate purchase, refinance, cash-out refinance, and home equity loans through our award-winning Welcome Home Loans.

Small business

Our business financing supports the creation and retention of quality jobs in New Hampshire by offering loans, investments and training to business owners, including those considered too small or too risky for other lenders. Business Builder loans connect business owners with the financing and expertise they need to succeed in a changing marketplace. Vested for Growth investments, for high-growth, high-margin businesses, meet the market between banks and venture capital firms. Our Farm Food Initiative helps farmers and food producers meet the growing demand for locally produced food.

Matched savings accounts

Individual Development Accounts provide an eight-to-one dollar match and financial training to help people with low incomes save for a home or education.

Child care facilities

We loan to nonprofit and home-based providers of child care and early education to help them buy or upgrade facilities to meet the needs of the children, families and communities they serve. We also offer training and support on the business of child care.

Community facilities

New Hampshire’s network of nonprofits provides essential, locally based services. We offer timely, flexible financing to help them purchase or upgrade their facilities to better serve community needs.

Community housing

We fill critical gaps in the complex system by which affordable housing is financed and offer technical assistance to nonprofit housing developers across New Hampshire.

ROC-NH is a ROC USA™ Certified Technical Assistance Provider and a registered service mark of ROC USA, LLC.