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Disaster Relief Fund -

Support Tanglewood Cooperative Park in re-establishing community safety!  

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Loans for Essential Community Services

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

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

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Working Families Need Strong Community Services

Our flexible financing helps nonprofits buy real estate, renovate facilities, upgrade equipment, or expand their programming 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.

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Childcare Providers

Our childcare financing aims to increase the availability of quality childcare and early education opportunities across New Hampshire and Vermont.

Our loans help nonprofit, for-profit, and family providers purchase, build, expand, renovate, or otherwise improve their facilities and programs. We also host award-winning Business of Childcare resources to help providers strengthen their business skills, decrease costs, and increase revenue.

Strong business management is one key to maintaining quality care and financial sustainability. Visit our Business of Childcare Resource Library for articles and tools that support best business practices for boards, directors, and staff.

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Affordable Multi-family Housing Developers

We're working to expand both the amount and the quality of affordable rental housing available to families, seniors, and people who need supportive housing.

We support affordable housing developers in N.H. and VT by offering:

  • Important information: Pre-development loans to meet the expenses incurred in assessing development opportunities prior to acquisition
  • Bridge financing to assist in acquiring properties for affordable rental development or improvement
  • Construction and permanent project financing

Get the details on our involvement in affordable multi-family housing.

Contact Us

Contact Betsy Segal, our Director of Business & Community Lending, to talk about how we can put your investment to work.

Call Betsy: (603) 856-0725

Email Betsy
Betsy segal dkgreen

Nonprofit Loan Details

Get an overview of various aspects of our loans for nonprofit organizations.

Loan Criteria
  • Benefit to low-and moderate-income people or populations with special needs
  • Long-term benefit and social impact
  • Borrower’s ability to repay
Loan 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 Products, Project Uses, and Requirements

Loan productProject usesRequirements
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
Climate SolutionsClean energy & energy efficiency projectsDemonstrate repayment ability
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

The Community Loan Fund was the missing piece of the puzzle that made everything click, working with them has allowed our farm business to grow and become profitable enough to bring the fifth generation of the family into the business.

Jamie RoberstonOwner, Contoocook Creamery
Robertson family jamie with cow

The Community Loan Fund helped me clear up everything and put myself in a position to buy.

John CathcartSingle dad, veteran, new homeowner
Hugging Isabel 1

Thank you for making my golden years golden.

Kathy ScanlonResident, Mountain View Cooperative in Gilford, N.H.
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My favorite part of living here is the freedom of ownership. When we first bought the park, I remember my first feeling, that no one could take this away from me. I owned it.

Lois ParrisResident, Lakes Region Co-op
Lois Parris

We wouldn’t have succeeded without (the Community Loan Fund). They financed us on terms we could afford, helped us lower our operating costs, and provided stability and security.

Sandra CabreraSupporter of Country Day School, Colebrook
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