child care loans

fixed-rate loans for providers

We lend to child care and early education programs, especially those serving low- and moderate-income communities. We understand the business and will work with you to strengthen and grow your program.

  • Nonprofit and for-profit child care organizations and Head Start programs serving children and families with low- and moderate-incomes or with special needs
  • Center- or home-based child care programs licensed (or about to be licensed) by the state's Child Care Licensing Unit.
  • Purchase, build, expand, renovate or improve buildings
  • Fulfill state licensing requirements by making related improvements
  • Energy or accessibility improvements
  • Leasehold improvements (in circumstances where the improvements can be matched to lease terms)
  • Meet short-term cash flow or timing needs where there is a designated source of repayment
  • Restructure debt or other financial obligations to improve an organization’s long-term viability.

Loan terms are typically matched to suit a project, but general terms are as follows:

  • 1-20 years
  • Fixed rates (contact us for current rate)
  • 1% origination fee
  • Legal and associated closing costs paid by borrower
  • Benefit to families with low and moderate incomes. Particular focus on organizations that serve families on the state child care scholarship program.
  • Long-term benefit and social impact
  • Ability to repay the loan
  • Other financial support

Loan requests are analyzed and recommended to the Community Loan Fund’s Loan Review Committee.

Successful applicants are mailed a commitment letter outlining the terms of the loan for their review and signature.

To apply

Submit a loan inquiry online, or call us at 224-6669. If your project is eligible, we’ll work with you on your application and on assembling any needed materials.

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Email is not a secure form of communication. Please do not use email to send any confidential or sensative information, including Social Security numbers, account numbers or passwords. If you need to provide this type of information to the New Hampshire Community Loan Fund, contact us by phone at (603) 224-6669, by fax at (603) 225-7425, or by paper mail.

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