loans for essential services

We lend to nonprofits and to child care centers, including for-profit and family programs, that serve New Hampshire communities.

Our flexible financing helps nonprofits buy real estate, renovate facilities, upgrade equipment, or expand their programing and services. We can also provide short-term loans that bridge the gap between a project and your capital campaign, tax credits, or grant award.

Our loan products are accessible and flexible. We’ll work with you to find a solution.

Learn more about our financing for child care centers

criteria

  • Benefit to low-and moderate-income people or populations with special needs
  • Long-term benefit and social impact
  • Borrower’s ability to repay

features

  • Flexible terms up to 15 years (longer amortizations are possible)
  • Fixed rates
  • Reasonable fees
  • Flexible security or collateral requirements, including first and subordinate mortgage positions
Loan product Project uses Requirements
Pre-development
  • Engineering
  • Design
  • Feasibility studies
Organization must serve or benefit low- and moderate-income populations, or other disadvantaged people or communities
Facility acquisition/rehab
  • Land acquisition
  • Building acquisition
  • Building renovations
  • Improvements/expansion
  • ADA requirements
  • Gap/bridge financing
Organization must serve or benefit low- and moderate-income populations, or other disadvantaged people or communities
Energy efficiency Determined by available types of funding Determined by available types of funding
Equipment Capitalized equipment purchases such as:
  • Furnishings
  • Equipment
  • Vehicles
Organization must serve or benefit low- and moderate-income populations, or other disadvantaged people or communities
Working capital
  • Receivables/invoice
  • State contracts
  • Expansion
Demonstrate repayment ability

to apply

Start the application process by submitting a loan inquiry, or by calling us at 224-6669. After a potential borrower’s inquiry, we help them assemble the material needed to evaluate the loan request. We also work closely with other lenders to match a project’s funding sources to its uses.

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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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