NALCAB provides advisory services to municipalities, housing authorities, states, rural communities, and nonprofit organizations. We have proven expertise in evaluation, research, and policy development in areas such as:

• neighborhood and demographic analysis;
• affordable housing planning and development;
• economic development and small business investment;
• organizational capacity and systems improvement;
• and disaster recovery.

NALCAB has a strong track record of supporting cities, counties, and states in local and regional efforts to ensure the effective investment of federal funding in  communities. Since 2008, NALCAB has been a catalyst for more than $450 million in investment in Latino communities, much of which flowed through structured partnerships among our membership and partner network. These include:

• A $137 million Neighborhood Stabilization Program, round 2 (NSP2) grant made to the CPLC-NALCAB NSP2 National Consortium
• A three-year, $90 million national initiative to invest in small businesses and local economic development projects. 
• $3.9 million in technical assistance contracts with US HUD under the OneCPD and Community Compass TA Programs to provide support to cities, counties, and states across the US
• Over $2 million in grants under the Rural Capacity Building (RCB) Program to provide technical assistance and capital (through a rural revolving loan fund) to address affordable housing and economic development in rural communities
• Serving as the lead agency for two HUD-funded National Fair Housing Media Campaigns
• Serving as a TA provider for the Commonwealth of Puerto Rico, around establishing a framework to launch and implement a successful CDBG-Disaster Recovery Program

Over the past several years, NALCAB’s work has also included:

• Serving as the lead evaluator of more than a dozen federally-funded economic development programs
• Completing a research effort regardingsmall business owners access to capital in five markets
• Providing policy development support to the City of San Antonio Mayor’s Housing Policy Task Force and facilitating technical working groups of community members and individuals representing a variety of sectors

If you are interested in engaging with NALCAB around advisory services or technical assistance or would like to learn more about our work, please contact Levar Martin at lmartin@nalcab.org.

Areas of Technical Assistance

• Community engagement
• Staffing and organizational assessments
• HUD programming
• Federal block grant funds
• Market and housing assessments
• Real estate acquisition and disposition
• Housing finance and development
• Affordable and fair housing
• Economic development
• Data analysis and GIS mapping
  

Latino Economic Development Center (LEDC-DC)

Based in Washington, DC and serving DC Metro, Baltimore Metro, rural Maryland, and Puerto Rico, LEDC provides a range of capital options to a majority MBE clientele. During the reporting period, LEDC received a $35,000 MBDA subgrant and secured six (6) SBLG guarantees with a 7th pending.

All loans went, or will go, to MBEs. Among these loans was $72,000 to a Hispanic/woman-owned title company operating in an East Baltimore neighborhood with a majority minority population and poverty rates 9% higher than the US rate.

NALCAB guaranteed $10,000 (14%) of the loan. Funds helped the business to retain two full-time employees and expand their physical footprint, increasing space for customer service activity and creating a more comfortable waiting room. Another $40,000 loan went to a family-owned retail shop in Bayamon, Puerto Rico, that sells products made of quality cork to local tourists and through online sales worldwide.

NALCAB guaranteed $10,000 (25%) of the loan. Funds helped the business retain one full-time employee, create a new part-time position, and facilitate the purchase of additional inventory ahead of the 2022 Christmas season, allowing the business to maximize its sales potential. Situated on the outskirts of San Juan, an area devastated by Hurricane Maria in 2017, Bayamon has a Median Household Income of $28,116 and a poverty rate of over 33%.

NALCAB provided LEDC with TA in Fall 2022 to adopt a new Strategic Plan that includes expansion of lending programming and associated products

TMC Community Capital (TMCCC)

Based in Oakland with a satellite office in Los Angeles, TMCCC provides access to loans for small businesses, predominantly MBE-owned, throughout the state of California, in both rural and urban areas. During the reporting period, TMCCC received a $35,000 MBDA subgrant and secured four (4) SBLG guarantees, with two (2) others pending approval. Five (5) of the secured or pending loans will go to MBEs, with the 6th going to a women-owned non-MBE. Among these loans was $15,000 to a window tinting company in Richmond, California.

NALCAB guaranteed $7,500 (50%) of the loan. Funds allowed the business to begin providing ceramic coatings and paint protection options, expanding their menu of services, and improving market competitiveness. Located within the comparatively wealthy Contra Costa County, Richmond is a community with a poverty rate (13%) more than double the county rate (5%) and a Median Household Income of over $30,700 less than the county’s median income ($110,595).

As a subgrantee, TMCCC will continue accessing SBLG and receive NALCAB technical assistance to carry out an Action Plan that improves integration between their Customer Relationship Management (CRM) system, loan intake, and loan servicing software.

This will include the development of a targeted set of higher-level metrics (beyond common demographics) that contain data valuable to both their lending and impact reporting teams, and which can be collected at all touchpoints along their loan process, whether the applicant was ultimately approved for funding or not. The end goal is to better understand target client socio-economic needs and shape both TMCCC service delivery and products to meet those needs.

For more information, please contact NALCAB’s Senior Director of Programs, Jeremy Carter, at jcarter@nalcab.org