Neighbors helping neighbors is one of our guiding principles. We are fortunate to have a mix of individuals, foundations, banks, businesses, and other nonprofits that fill our lending pool with investments and support our work through donations and grants. We are proud to have a strong financial track record that serves our communities. We are grateful for people like you who make this possible.
The New Hampshire Community Loan Fund has a spotless record of 100% repayment to our investors since our founding in 1983. We take great care to maintain reserves to protect investors’ money.
Our financial strength and performance, along with our impact management, are evaluated annually by Aeris®, whose financial ratings assess capitalization, asset quality, management, earnings, and liquidity. Aeris® Fact Sheet.
We received our highest-ever rating for financial strength from Aeris in 2025: AA for financial strength, the highest impact rating of 4 stars, and a Policy Plus rating for our meanginful policy work.
In 2026, we received an 'A-' Issuer Default Rating with a Positive Outlook from Fitch Ratings, making the Community Loan Fund one of only a small number of Community Development Financial Institutions (CDFIs) nationwide rated by an SEC-registered credit rating agency.
Fitch cited the Community Loan Fund's four-decade track record, its leading position in lending to ROCs, and its strong asset quality.
We post our annual financial audit and federal tax form 990 online as soon as they are available. Our governing documents, conflict-of-interest policy, and financial statements are available to the public upon request.
If you wish to see a document that is not posted here, please call us at (603) 224-6669, or email us.
Audited Financial Statements
Tax form 990
Aeris Rating
Please contact us for more information.
These funds are used for borrower education, training, and coaching.
It’s important that borrowers repay their loans so we can continue our four-decade-long record of repayments to our investors. Coaching is key to our success, and it’s funded through donations and grants.
Traditional financial institutions often won’t make the loans we do because they are seen as high-risk. But our hundreds of success stories prove that nontraditional borrowers can be successful — with the right assistance.
We connect our borrowers with coaching and other guidance that leads to successful loan repayments. Our coaching and guidance are specific to the needs of our borrowers. It might be helping a family repair their credit so they can buy their first home. It could be a “boot camp” training for the directors of a new resident-owned community. Maybe it’s business education for childcare directors, consultants matched to the needs of a growing entrepreneur, or other assistance that meets a borrower's specific challenges.
These funds are used to make loans across our programs.
Our lending capital comes from dollars invested, donated, or granted to us by individuals and institutions. Our investments offer fixed-interest rates and terms, much like a CD. Interest is paid annually and every dollar invested is put to work in loans that meet our mission.
Our Permanent Fund is also used for lending capital. But unlike investments, these dollars have been donated or granted to us and don’t need to be repaid.
Permanent Fund dollars are critical because they allow us to meet borrower needs through innovation and flexibility. For instance, they allow us to offer 0% loans for down-payment and closing-cost assistance to low-income homebuyers or craft flexible loan terms that enable manufactured-home-park residents to purchase their parks at affordable rates.
These funds are used for salaries, operations, and other business costs.
Earnings from our loans help pay our costs of doing business. This includes office space, utilities, gas, and maintenance, along with salaries and health benefits that help us attract and retain our exceptional staff.
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