As a US Treasury-certified Community Development Financial Institution (CDFI), NALCAB lends to nonprofit organizations that promote economic mobility across the United States.
NALCAB provides flexible loan products to support nonprofit member organizations engaged in small business lending, affordable housing, and community facility development. Whether an organization is planning its first project or scaling a proven model, our financing solutions are designed to meet members where they are and help move projects forward.
Since 2015, NALCAB has deployed more than $44,707,910 in financing to community economic development nonprofits nationwide. This capital has supported affordable housing projects serving families earning between 30 and 80 percent of the Area Median Income and strengthened small business lending programs, with more than 80 percent of loans benefiting Latino-owned enterprises.
NALCAB currently offers a variety of loan products to help NALCAB members access capital, reduce risk, and strengthen their role in building economic opportunity. Explore the options below to learn more.
• Small Business Lending Capitalization Loans offer up to $1 million to help nonprofit lenders grow or launch small business loan funds.
• Small Business Loan Guarantees (SBLG) support nonprofit lenders by backing loans that fall just outside traditional lending criteria, giving organizations more flexibility to serve
• Commercial Real Estate Loans provide capital for the development of affordable housing and community facilities, from land acquisition through permanent financing.
• Rural Nonprofit Capacity Building Loans are designed for organizations working in rural areas and include flexible terms and below-market interest rates.
To apply or request more information, contact the NALCAB Lending & Impact Investing Team at impactinvesting@nalcab.org.
Please note: Loans are available only to current NALCAB member organizations. To learn more about membership, contact membership@nalcab.org.
Up to $1.2 million for the development of affordable housing or community facilities. Financing is available for all stages of development, including land acquisition, predevelopment, construction, purchase, rehabilitation, mini-perm, and permanent financing.
Read more
Up to $1,000,000 to capitalize or expand nonprofit small business lending programs.
Flexible, below-market loans for NALCAB members expanding small business lending or affordable housing in rural communities. Terms range from one to ten years, with interest-only or fully amortizing options. Funding can support housing, community facilities, mixed-use development, or loan fund capitalization. Unsecured predevelopment loans are also available when take-out financing is secured. Applicants must serve CDFI target markets.
NALCAB’s SBLG program helps nonprofit lenders serve small business borrowers who fall just outside traditional lending criteria. The guarantee covers up to 50% of the loan principal—up to $10,000 for small business loans and $75,000 for real estate–secured loans—giving community lenders the confidence to say yes more often. Launched with support from Kaiser Permanente and the Wells Fargo Open for Business Fund.
Established in 2019 Acceso is an investment fund whose primary goals are to:
- Help members increase the number of business loans provided to their customers.
- Improve members’ loan economics and overall profitability of their lending programs.
- Help members preserve and expand their relationship with existing customers and increase their reach to prospective customers in their communities.
In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. Submit a complaint of discrimination, by mail to U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, 1500 Pennsylvania Ave. N.W., Washington, D.C. 20220, (202) 622-1160 (phone), (202) 622-0367 (fax), or email crcomplaints@treasury.gov
