Impact, flexibility, safety
Why individuals invest in the New Hampshire Community Loan Fund
Social impact: Individuals see an investment in the Community Loan Fund as an efficient and meaningful way of helping New Hampshire families with low and moderate incomes attain housing, jobs and child care.
Your choice of terms: Investors can invest as little as $1,000 or as much as $500,000 and choose terms as short as one year or as long as 25 years. Investors receive a fixed-rate annual simple interest return of up to 1% for loans of one or two years, up to 2% for loans of three or four years, up to 3% for loans of five or six years, up to 4% for loans of seven to nine years, and up to 5% for loans of 10 years or longer. (Many investors choose rates below the maximum.)
Risk: This is an unsecured investment. It is not insured by the FDIC, nor by any governmental or private entity. While the Community Loan Fund has not lost any lender's funds, past performance is no guarantee of future performance. Investments with the Community Loan Fund cannot be redeemed before their due date and there is no known market to sell or trade them before maturity. Interest paid is reported to the IRS and will be taxed by state and federal governments.
Benefit: Your funds are added to our approximately $70-million lending pool: The risk is shared, and an investor’s funds will not be dedicated to any single project or sector. Individuals appreciate that the Community Loan Fund has an unblemished record of repayment to investors – through good and bad economic times. Investments in the Community Loan Fund are protected by our significant equity reserves and our excellent history of repayment from borrowers.
Trusted financial intermediary: The Community Loan Fund has received the highest national honor given in our field: the Wachovia NEXT Award for Opportunity Finance. We have consistently received a sterling AAA+2 rating from CARS™, the national rating service for community investing, which measures community impact and financial soundness.
Fixed-income investment class: Investments with the Community Loan Fund are straightforward and uncorrelated to traditional fixed-income instruments. You will earn simple annual interest, regardless of the ups and downs of the bond market.
Your investment joins many others: We have more than 300 individual investors, from around New Hampshire and across the United States. Other investor categories include banks, foundations, religious organizations, governmental agencies, and nonprofit organizations.
Term of years: Your investment will have a fixed maturity date and can be rolled over or paid out upon maturity, at your discretion.
Next steps: To discuss how you can invest in the Community Loan Fund, please contact shatch [at] communityloanfund [dot] org (Sally Hatch).
An investment in the New Hampshire Community Loan Fund does not constitute an offer to sell, or a solicitation of offers to purchase, debt securities in those states where the registration of such debt securities is required by state securities law. Please shatch [at] communityloanfund [dot] org (contact us) for more information.