Small Businesses
Your business's growth and sustainability are our concerns. We're problem-solvers and bridge-builders who offer flexible financing and creative solutions to fuel the successes of you and your employees.
Your business's growth and sustainability are our concerns. We're problem-solvers and bridge-builders who offer flexible financing and creative solutions to fuel the successes of you and your employees.
Our vision is small businesses thriving in every sector and every region of New Hampshire and Vermont. 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:
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
Inquiry FormWe 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 solutions
• Other uses, considered case-by-case
Inquiry FormWe 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 coaching from a diverse network of professionals.
Our vision for our farm and food loans includes:
Our childcare financing aims to increase the availability of quality childcare and early education opportunities across New Hampshire.
Our loans help nonprofit, for-profit, and family providers purchase, build, expand, renovate, or otherwise improve their facilities and programs.
New Hampshire residents spend a higher than average percentage of their income on energy than others. Energy efficiency and other innovative energy solutions help stabilize costs.
From weatherization and energy efficiency projects to solar arrays for resident-owned communities (ROCs), we work with partner organizations to help people, businesses, and nonprofits reduce their energy costs.
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:
Get the details on our involvement in affordable multi-family housing.
We lend to nonprofits and for-profit and organizations that serve New Hampshire communities.
Our flexible financing helps organizations 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. Our loan products are accessible and flexible. We’ll work with you to find a solution.
We only succeed when our borrowers succeed. Their stories bring us joy and drive us every day to work to provide more opportunities for our neighbors to shine.
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.
We can have a lot of beautiful ideas, but mentorship is invaluable in moving those ideas into practicality. And that’s part of this process with the Community Loan Fund.
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