Investor Report
People investing with purpose are at the heart of our neighbors-helping-neighbors philosophy. Let’s take a look at both the financial and social impact you are central to creating.
People investing with purpose are at the heart of our neighbors-helping-neighbors philosophy. Let’s take a look at both the financial and social impact you are central to creating.
As of 5/31/2024, we have generated more than $1.1 Billion in economic impact through our investment, donations, partnerships.
To this day, we have a 100% repayment rate to our investors. Here are some of the ways this has played out in communities across N.H.
Total unique investors
dollars invested by our largest investor
of our total assets available to protect investors from losses
is our minimum investment threshold
Impact investing creates benefits for individuals, families, and entire communities. Here are some of the ways we see this take shape among the people we serve.
Our lending helps childcare nonprofits and businesses improve and expand their facilities, expanding availability.
Homeowners in resident-owned communities (ROCs) are able to make long-term plans knowing that their land can’t be sold out from under them in order to remove them from the place they call home.
We lend to every level of the food ecosystem from farmers, to distributors, to restaurants. Access to fresh local food creates long-term health benefits while supporting local economies and creating jobs.
Today, we are taking innovative approaches and working with farm and forestry partners to ensure that small food-related businesses in New Hampshire continue to prosper and serve families and communities.
The low- and no-cost investments help to keep our borrowers’ loan payments manageable.
The Community Loan Fund really shifted my view of what these communities are, and what they can achieve.
Through our coaching and guidance paired with solar project lending, we’re helping ROCs diversify their energy resources and control their costs.
When combined with other cost-saving infrastructure improvement projects, residents and neighbors enjoy multiple benefits including better health, improved learning, lower crime rate in the area, and improved job performance. It’s easy to see how these outcomes are good for local employers, schools, healthcare systems, and everyone’s quality of life.
The funds we lend are invested with us by caring people and institutions that want to put their dollars to work in New Hampshire. Since our inception in 1983, we have a perfect investor repayment record.
95% of our investor capital is deployed in the community. That means we put your money to work. Right away. Plus, 77% of our investors are individuals — people interested in helping their neighbors get the resources they need to succeed.
We believe in opportunity for all.
Neighbors investing in neighbors enhances communities.
Communities thrive when they invest in everyone.
Access to capital improves communities and elevates society.
Local energy sources increase reliability, affordability, and self-reliance.
Today’s challenges require modern solutions.
Including coaching and advising in loan services improves borrower success.
Explore Our PhilosophyBenefits to low- and moderate-income Granite Staters
Produces long-term impact
Borrower’s repayment ability
Loans & ServicesBorrower losses 2.1%
Losses to investors - 0 -
ROC-NH helps residents of manufactured-home parks form cooperatives and secure financing to purchase their parks and become resident-owned communities (ROCs).
Homes in ROCs are protected from unmanageable lot rents and land redevelopment. ROCs receive guidance in the governance and management of their cooperatives for the life of the loan or longer.
We offer Welcome Home Loans to individuals to purchase manufactured homes. These are fair, fixed-rate, long-term conventional mortgages for the purchase of new and pre-owned manufactured homes in ROCs or on land the homeowner owns or is buying in New Hampshire.
We offer lending that supports essential services by helping nonprofit organizations buy, renovate, or build facilities. In particular, we focus on childcare, providing loans, training, coaching, and assistance to childcare centers to preserve, expand, and create facilities.
We also assist childcare centers and nonprofits with lending and other opportunities to enhance their energy resources with solar, helping them control their costs.
We provide loans and education to support the growth and resilience of businesses and their ability to provide quality jobs. We specialize in a handful of lending and service areas.
| 0 | 2 | Total | Total_2 |
|---|---|---|---|
| Number of Investments | Number of Investors | 1,163 | 657 |
| Total Investment Dollars | Highest Investment Value | $153,524,383 | $7,500,000 |
| Lowest/Minimum Investment Value | Median Investment Amount | $1,000 | $20,730 |
| Weighted Average Rate | Weighted Average Term in Months | 3.00% | 39.4 |
| Number of Investments Maturing within 90 Days | Amount of Investments Maturing within 90 Days | 74 | $13,711,943 |
| Renewal Rate by Number for the Past 12 Months | Renewal Rate by Dollar for the Past 12 Months | 63.88% | 68.21% |
| Individuals | 76.01% |
|---|---|
| Nonprofits, Corporations, OFN | 7.76% |
| Religious | 7.00% |
| Foundations | 4.57% |
| Financial Institutions | 3.50% |
| Subordinate Debt (EQ2) | 2.28% |
| Government & Quasi-government | 0.30% |
| Measure | Cumulative Totals for Loans Closed to Present | Cumulative FY2024 |
|---|---|---|
| Leveraged Loan Impact | $1,063,306,323 | $106,217,99 |
| Affordable Housing Units Created or Preserved | 11,217 | 137 |
| Child Care Spaces Created or Preserved | 4,567 | 10 |
| Jobs Created/Retained | 4,383 | 372 |
| Total Loans Closed | 3,962 | 129 |
| Total Loan Dollars from Community Loan Fund | $475,832,496 | $27,986,024 |
| Loans Repaid in Full | 2,246 | 88 |
| Loans Dollars Repaid in Full | $215,064,039 | $11,934,598 |
The latest on affordable housing, community lending and investing, our impact, and other stories about the inspirational people we work with in New Hampshire.
Imagine receiving notice that the land underneath your home will be sold in just 60 days. It’s a situation that many manufactured-home owners face as out-of-state investors seek to take ownership and control of New Hampshire’s manufactured-home communities, eliminating the last affordable path to homeownership for many of our neighbors.
N.H. Community Loan Fund 4/27/2026Read MoreA Community Loan Fund borrower from Keene, N.H. was recently featured in the 2026 CDFI Progress Report from the CDFI Coalition.
N.H. Community Loan Fund 3/31/2026Read MoreExeter TV recently put a spotlight on an energy solutions program for the Community Loan Fund's resident-owned communities in Exeter.
N.H. Community Loan Fund 3/23/2026Read MorePeople are at the heart of our work. Their stories shine a light on the intangible impacts that they create and experience when they have access to resources.