IN FY 2007, NCCLF MADE LOAN COMMITMENTS TO 18 AGENCIES TOTALING $8,763,032:

The Crucible - The Crucible was founded in Berkeley in 1999 as an educational organization that fosters a collaboration of arts, industry and community. The organization offers classes in a variety of fine and industrial arts including blacksmithing, ceramics, mold making and foundry, welding, stone carving and woodworking. The Crucible has experienced tremendous growth since 1999 and moved to West Oakland in January 2003. The organization now serves approximately 15,000 people a year through its classes and workshops, free lecture series, community programs and youth programs. NCCLF closed a term loan to refinance the existing short-term NCCLF acquisition loan for their building in Oakland and to consolidate other short-term loans that have been used to cover capital and operational expenses. In addition, NCCLF closed a line of credit.

Spanish Speaking Unity Council (SSUC) - SSUC is a non-profit community development corporation founded in 1964 that is dedicated to enriching the quality of life of families in the Fruitvale District of Oakland. Its primary focus has been to create a healthier and safer community for families and residents by implementing and managing integrated programs addressing the economic, social, and physical development of the area. These programs include children, youth and family services; senior services; homeownership programs; workforce development and job training; small business assistance; and economic development. The organization has invested much of its own working capital in the large Fruitvale Transit Village project it developed through its related company the Fruitvale Development Corporation (FDC). NCCLF closed a loan to provide SSUC with working capital for its operations.

Northern California Land Trust (NCLT), Noodle Factory – NCLT was established in 1973 to increase the supply of affordable housing in northern California. The organization develops most of its projects on a land trust model, in which NCLT retains the rights to the land upon which its projects are built to ensure the units remain affordably priced should the homeowners choose to sell the unit. NCCLF closed a large construction loan as part of a full $3,650,453 construction-loan financing package that NCCLF arranged. The project will contain 11 live-work units and two units totaling approximately 4,112± square feet of commercial space. Nine of the live-work units will be sold to households at or below 70% of area median income; the two remaining live-work units will be sold at market rate to subsidize the rest of the project.

Youth Radio (YR) – YR is a 501(c) (3) public benefit corporation established in 1992 to support the intellectual, emotional and creative development of young people through training and access to media, and to produce the highest quality original media for local and national outlets. YR currently offers after-school journalism and production training programs free-of-charge to approximately 1,950 students per year while also providing youth development services including academic tutoring, college bound preparation, and leadership training. NCCLF closed a loan for equipment purchase and installation for their new facility in Oakland.

Ukiah Valley Cultural & Recreational Center (UVCRC)- UVCRC is a 501(c) (3) public benefit corporation established in 1997 to create a youth-oriented recreation and community center to serve the greater Ukiah Valley area. The Alex Rorabaugh Gymnasium, Cultural & Recreational Center (“The Center”), is a 21,000 square foot multi-purpose facility that will house numerous recreational and educational programs and provide space to several area nonprofits as well as a 10,000 square foot gymnasium. NCCLF closed a bridge loan to UVCRC and a mini-permanent loan.

Explorit Science Center (Explorit) – Explorit was established in 1982 to provide hands-on science education programs for children and adults. The Center’s services region includes 12 counties in the greater Sacramento area. In recent years, Explorit has undergone significant, program-driven growth, and as an organization has been preparing to take the next steps needed to increase the range of services it can offer. In 2005, it served over 62,000 clients. The organization is dedicated to reaching low-income and under-served client bases. In 2005 it gave over 100 free events, and it regularly provides low- and no-cost programming to schools with high percentages of low-income children. To cope with the organization’s strategic growth, Explorit decided to purchase a new facility, which is a 9,700± sq.ft. portion of what now is the Davis Indoor Sports Center (DISC). NCCLF provided a large term loan to finance a portion of the acquisition costs for the new facility.

The Children’s Collabrium (TCC) formerly know as Child Development Policy Institute Education Fund (CDPI) – TCC was founded in 1993 to create a mandate for sound public policy that responds to the diversity of California’s children and families. Through partnerships with state government agencies and other organizations, CDPI assists childcare providers in 12 counties to access state childcare resources to expand services to low-income families. NCCLF provided a  line of credit to The Children’s Collabrium.

Instituto Familiar de la Raza (IFR) – IFR is a nonprofit 501(c) (3) established in 1978, serving San Francisco’s Latino community by providing a wide variety of low-cost mental health and prevention services. NCCLF provided a line of credit.

Community Housing Developers (CHD) – CHD is a nonprofit 501(c) (3) affordable housing developer established in 1979. CHD’s mission is to increase and maintain the supply of quality, affordable housing in Santa Clara County to meet the needs of low- and moderate-income persons, particularly those with special needs such as seniors, single-parent families and the physically disabled. NCCLF closed a term loan to partially finance construction of 12 units of for-sale affordable housing in the mid-Alum Rock/Mayfair area of San Jose.

St. Mary’s Center (SMC) - SMC is a nonprofit 501(c) (3) gained its status in 1992. It provides a range of services geared toward very low income seniors, both homeless and homebound, as well as “at-risk” preschool-aged children and their families. SMC program areas cover housing and shelter, food, healthcare, education, substance abuse recovery, and money management, among others, and provide services to about 2,400 clients annually. NCCLF closed a loan which will finance a portion of the costs of the acquisition of the property located in Oakland as part of a long-term project to expand and consolidate St. Mary’s Center programs and facilities, which will be then known as St. Mary’s Center Village.

Institute on Aging (IOA) - IOA is a nonprofit public benefit corporation, which was founded in 1975 as a program (then called the Adult Day Health Center) at Mount Zion Hospital, and later incorporated as a non-profit in 1985. IOA’s mission is to enhance the quality of life for older adults by enabling them to maintain their health, well-being and independence. IOA is a highly-regarded service provider to the older adult population in San Francisco and surrounding counties. NCCLF closed a large loan which will enable IOA along with Bridge Housing to develop a six-floor, multi-use facility. The building will have IOA program and administrative space in the basement, first floor and a portion of the second floor, and BRIDGE housing units on a portion of the second floor and the top four floors. Not only will IOA have access to an expanded client base via the on-site housing, but the on-site services will benefit residents—making this a model program of integrated housing and long-term care services.

Tri-Valley Housing Opportunity Center (TVHOC) – TVHOC is a California nonprofit public benefit corporation established in 2005 that provides financial literacy education, workforce and asset development services, and housing counseling and education to the Tri-Valley region, which includes Dublin, Livermore, Pleasanton, San Ramon and Danville. TVHOC was formed by the municipal and county governments in the tri-valley area in order to provide coordinated housing services for the entire region. NCCLF provided a loan to assist in acquiring a mixed use property in Livermore, CA.

Northern California Land Trust (NCLT), Mariposa Grove - NCLT was established in 1973 to increase the supply of affordable housing in northern California. The organization develops most of its projects on a land trust model, in which NCLT retains the rights to the land upon which its projects are built to ensure the units remain affordably priced should the homeowners choose to sell the unit. Mariposa Grove CLT Homes, LLC (MG) is a limited liability corporation created by the Northern California Land Trust (NCLT) as a project-specific subsidiary charged with converting the subject property to a condominium and owning the land in the long-term. The project is three Victorian multi-family properties located adjacent to each other on 59th Street, with six housing units and one common unit in North Oakland. In June 2007, NCCLF closed a loan for additional predevelopment funding for a total of $580,293 to the project.

Baker Places (BP) -BP is a 501(c) (3) nonprofit organization that provides residential treatment services, case management, supported and permanent housing, and psycho-social rehabilitation for adults with mental health, substance abuse and HIV/AIDS-related issues in the City and County of San Francisco. The agency was founded in 1964, seeded with funds from Glide Memorial Methodist Church, with the goal of providing residential treatment services for adults recently released from Napa State Hospital. In 1969, Baker Places incorporated as a private, non-profit, tax-exempt California Corporation and began expanding services through contracts with the San Francisco Department of Public Health. NCCLF provided a line of credit to Baker Places in June 2007.

Calistoga Affordable Housing (CAH) - Calistoga Affordable Housing, Inc. (CAH) was founded in 2001 as a 501(c)(3) to promote the development of affordable housing in the City of Calistoga, in Napa County. While CAH is mainly an advocacy organization, it has also been involved in the creation of 26 units of affordable housing units in Calistoga to date. NCCLF closed a loan which will finance a portion of the predevelopment costs for the construction of 24-units of affordable rental housing at 40 and 42 Brannan Street, Calistoga. Of the 24 units, 11 apartments will be affordable to households earning below 40% of area median income (AMI), and 12 apartments will be for 60% AMI. The complex will consist of 2 story stacked flats in 2 buildings, and will include laundry facilities, landscaping, children’s play area and parking. The site is centrally located in Calistoga, and is within walking distance to groceries, healthcare, schools, public transportation, and jobs.