The Northern California Community Loan Fund (NCCLF) is a nonprofit lender and technical assistance provider that works to revitalize low-income communities in our region. We provide loans and financial training to organizations that develop affordable housing, community facilities, job-training programs, and vital human services.

Our Mission

The Northern California Community Loan Fund promotes economic justice and alleviates poverty by increasing the financial resilience and sustainability of community-based nonprofits and enterprises.

Through flexible financial products and sound advice, we create opportunities to make socially responsible investments that revitalize Northern California communities.

Our Vision

The Northern California Community Loan Fund envisions financially strong and culturally vibrant communities where each person has access to decent jobs, homes, health care, education, and economic opportunities. We work in partnership with individuals and organizations who share our vision of sustainable communities and social and economic justice.

• Providing high-impact loans at affordable rates and flexible terms to community organizations unable to obtain financing from conventional lenders;
• Offering technical assistance to nonprofit groups in such core financial-management areas as budgeting, financial reporting, and accounting controls;
• Supplying grants and technical assistance to nonprofits that want to acquire permanently affordable program and office space;
• Linking socially concerned investors and community organizations that need affordable capital and;
• Engaging in advocacy and public education to attract new resources and build public awareness of community development issues.

Community Lending

Lending is the core of our work to help build economically strong and healthy communities. We support nonprofit projects and enterprises throughout Northern California that benefit low-income communities. NCCLF’s loans are flexible and responsive – designed to support a wide range of services and facilities that are especially needed in low-income neighborhoods, including housing developoment projects, childcare centers, senior service facilities, and business ventures that create new jobs.

Technical Assistance

NCCLF’s technical assistance and training services complement our loan programs. They are designed to assist our nonprofit borrowers with long-term financial planning, growth management, analysis of development projects, and proper financial management. Our lending staff helps potential borrowers prepare for the loan and development process, which often increases the likelihood that they will obtain loans from conventional lenders. In addition, our newly expanded Fiscal Fitness program helps build the capacity of community-based nonprofit agencies by offering training in the fundamentals of financial management.

Communities Served

Our loans and training programs target hundreds of nonprofit organizations that provide essential services to low- and very low-income families and communities in Northern California. We focus our efforts on the least-served communities, whose projects may have the greatest difficult qualifying for loans from traditional lenders. To date, we have made loan commitments totaling $74,474,250 million to 257 worthy nonprofit projects and provided financial and facilities management expertise to more than 900 organizations. NCCLF serves 46 counties in Northern California.