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Small Businesses

Your growth and sustainability are our concerns. We're problem-solvers and bridge-builders who offer flexible financing and creative solutions to fuel the success of your business.

Abbigails Bakery 28

Not Your Typical Business Lenders

Our vision is small businesses thriving in every sector and every region of N.H. and VT. Business owners should never have to shelve a growth plan for lack of access to capital and expertise. What local small businesses should be doing is creating quality jobs, with benefits, for employees.

We offer:
  • Flexible capital, including from other business investors
  • Comprehensive assessment and customized advice from a diverse professional network
  • Loans that typically range from $10,000 to $1 million (higher with other participating lenders)
  • Flexible collateral requirements
  • Interest-only periods, depending on loan purpose/structure
  • Creativity and experience to get deals to “yes”
  • Feedback and advice when a loan from us isn’t appropriate

We offer loans and training to businesses that:

• Are located in New Hampshire, Vermont, or a neighboring state

• Have a plan that defines how capital will solve a problem or facilitate growth

• Offer quality jobs and opportunities for workers

Submit a Loan InquiryCall Us

We lend to small businesses, including startups and those considered too small or too risky for other lenders, for:

• Purchase of equipment or other fixed assets

• Business acquisition

• Refinancing existing debt

• New-product development

• Inventory expansion

• Acquisition of, or improvements to, land or buildings

• Energy efficiency and climate solutions

• Other uses, considered case-by-case

Submit a Loan InquiryCall Us

Contact Us

Contact Betsy Segal, our Director of Business & Community Lending, to discuss your financing needs.
Call Betsy: (603) 856-0779

Email Betsy
Betsy segal dkgreen
Brookford April 22

Local Food Loans

We offer flexible capital to grow more local food businesses—from producer to processor to consumer. Our local food business borrowers receive comprehensive assessment and customized advice from a diverse network of professionals.

Our vision for our farm and food loans includes:
  • An abundance of diverse and thriving food businesses
  • Farmers have access to productive land, permits, and markets
  • Locally sourced fruits, vegetables, grains, and proteins available to food producers and consumers
  • Consumers, restaurants, and markets easily find locally produced foods
  • Working land stewardship of healthy soils, productive ecological farms and forests, diverse wildlife, and clean water.
BF Fresh Start

Local Food Resources

We compliment our loans by partnering with a group working to bolster the success of agricultural businesses by:

  • encouraging collaboration and learning among lenders and service providers, and
  • helping businesses prepare and position themselves to access the right capital at the right time.

The working group participants include: 

We have collected many additional resources that are helpful to local food businesses.

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Minority-owned Business Lending

Our Minority-owned Business Lending (MOBL) provides flexible financing and customized coaching to business owners of color.

The program began with our Greater Manchester-centered Community-driven Economic Empowerment (C-DEE) initiative, which we’ve expanded statewide.

Some entrepreneurs of color and enterprises we've worked with:

 

Business in Keene

Owner: Gail Sommers

 

Businesses in Manchester

Co-owners: 24 refugee farmers

 

Owners: Beatrice and Emmanuel Adekoya

 

Owner: Nicole Sublette

 

 

Business in Portsmouth

Executive Director: JerriAnne Boggis

They took the time to really get to know our business, and offered a loan that fit our unique needs. They’re interested in helping New Hampshire businesses with job creation and stability.

Brad SterlOwner, Rustic Crust

Working with the Community Loan Fund was so much easier than I expected. Within two weeks I was meeting with a feasibility study consultant with experience in our field. The result is a large savings in time and capital and more focus on the essence of our business. The Community Loan Fund is a fantastic resource.

Greg MeehOwner, Canterbury Spirits
Wide shot roc

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