IN FY 2008, NCCLF MADE LOAN COMMITMENTS TO 21 AGENCIES TOTALING $13,971,587:

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.

The Japanese Community Youth Council (JCYC) was founded in 1970 as a forum for Japanese-American youth in San Francisco’s Japantown neighborhood. Since that time, JCYC has grown to be one of the City’s most prominent and well-respected youth organizations, serving over 6,000 youth and children each year from diverse ethnic backgrounds from throughout San Francisco, about 80% come from low income households. JCYC offers a total of fourteen programs, with particular focuses on job-training, first-time college admission, and counseling and living skills for foster and other marginalized youth.

In October 2007 NCCLF provided JCYC with a  loan to finance a portion of the JCYC program and service headquarters, which needed extensive renovation to meet the organization’s program needs and to become ADA compliant.

Neighborhood House of North Richmond (NHNR) is a community-based social services agency that has provided drug and alcohol treatment, education, employment, and senior services in West Contra Costa County for 52 years. Neighborhood House of North Richmond was approved for three loans in September 2007.

The first loan NCCLF committed was a loan to finance the acquisition of a 32-unit boarding hotel in Richmond- St. James Place, formerly the St. James Hotel. NHNR will renovate the interior and then operate the facility as transitional housing, with nine units reserved for individuals living with HIV/AIDS.

The second loan, NCCLF provided a loan to finance replacement of the roof on the organization’s administrative offices and primary treatment facility located at 820 23rd St., Richmond. The building is a former hospital in which NHNR runs in-patient treatment services and transitional housing. NHNR has recently completed renovating the third floor of the building. The installation of a new roof would complete NHNR’s efforts to renovate the building.

In this space, NHNR provides a range of outpatient services that include DUI classes, HIV/AIDS Education/Prevention, transportation information and related services in various languages, Case management to Family Services, and a Healthy Eating, Active Living Project.

NCCLF also provided NHNR with a line of credit. NHNR currently has multiple government contracts that can take several weeks to reimburse for services. This loan will assist NHNR with working capital for its operations.

East Bay Community Development Corporation (EBCDC) is a nonprofit community improvement agency founded in 1999 to improve the lives of low income residents of Richmond and other economically depressed communities in the East Bay.

EBCDC plans to develop 24 units of affordable senior housing on its property located in Richmond. It will be comprised of 22 one-bedroom units and two two-bedroom units. There will be two community meeting rooms, enclosed parking, an outdoor garden and a 2,718 square foot commercial shell.

In February, NCCLF provided EBCDC a  term loan to finance a portion of the predevelopment costs associated with the project.

Tenants and Owners Development Corporation (TODCO) is a nonprofit 501(c)(3)that was created in 1971 by its predecessor, Tenants and Owners in Opposition to Redevelopment (TOOR), a community organization based in San Francisco’s South of Market area. TODCO develops, owns, and provides services to affordable housing projects and residential hotels in the South of Market, with a particular focus on low income seniors. The organization has also fostered a network of community organizations with the shared interests of promoting affordable housing and economic development in the area. TODCO’s first two housing projects were Woolf House I and Woolf House II (WH I & II), completed in 1979 and 1982, respectively, which together include182 rental units for very low-income seniors. NCCLF provided a loan to TODCO to finance a portion of the predevelopment costs for the renovation of Woolf House I and II at 801 Howard Street in San Francisco.

Self-Help Enterprises (SHE) is a nonprofit 501(c)(3) affordable housing developer founded in 1965 committed to the creation of housing opportunity and the elimination of housing-related health risks through the development of new housing, preservation of affordable housing stock, and improvement of existing housing affordable to low-income Valley households.

NCCLF provided Self Help Enterprises with a loan to partially finance the acquisition of 52 parcels located in northwestern Gustine, Merced County. Self Help plans to develop 52 single-family homes on the property.

Baker Places (BP) has been a community leader for over 40 years in providing social rehabilitation and housing options for people who are struggling with mental and psychological illness, chemical addiction and HIV/AIDS. They continue to offer safe and supportive, homelike environments for clients to learn new skills and prepare to live independently with staff and peer support.

BP operates an 11-bed transitional residential treatment program at this facility known as San Jose Place. The program serves very low-income and low-income individuals with mental health problems who also suffer from substance abuse. The program also offers counseling and treatment for mental health issues as appropriate. In February, NCCLF refinanced an existing loan and provided a new line of credit loan.

Instituto Familiar de la Raza (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 renewed a line of credit.

The Children’s Collabrium (TCC) formerly known 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 renewed a line of credit to The Children’s Collabrium.

Housing Services Affiliate of Bernal Heights Neighborhood Housing Center (HSA BHNHC) is a thirty year old nonprofit that works to preserve and enhance the ethnic, cultural and economic diversity of Bernal Heights and surrounding neighborhoods in San Francisco. BHNC provides a number of community programs, including youth services, anti-violence programs, community organizing, job training, and meal programs for seniors. Through its housing development arm, the Housing Services Affiliate of Bernal Heights Neighborhood Center (HSA), BHNC also preserves, develops and manages affordable housing for low-income households. NCCLF provided an acquisition loan to HSA BHNC to finance the purchase of 4466-4468 Mission Street, in San Francisco, which is used as a teen drop in center and office space for its youth program staff.

The Charlotte Maxwell Complementary Clinic (CMCC) was founded with a mission to provide access to free alternate complementary therapies for low-income women with cancer by a dedicated group of health care providers and women with cancer. Over the last fifteen years the clinic has grown into one of the leading providers of complementary alternative medicine (CAM) treatments for low-income women in the San Francisco Bay Area. Several organizations and hospitals depend on the clinic as a primary resource for female cancer patients for complimentary or alternative medical treatment. With clinic locations in Oakland and San Francisco, the organization served 442 clients and provided 4,397 treatments in 2006 alone. NCCLF provided a loan to assist CMCC to make tenant improvements on their newly leased clinic space in Oakland.

Affordable Housing Associates (AHA) is a nonprofit 501(c)(3) affordable housing developer founded in 1993 to develop high quality affordable housing for low-income families, seniors and individuals with special needs. AHA has developed or rehabilitated 579 housing units since its inception, all in multi-family developments.

NCCLF provided two loans to AHA which will finance a portion of the acquisition and predevelopment costs related to the development of an 80-unit housing project for low-income seniors in Oakland.

Kala Art Institute (KALA) is a nonprofit organization founded in 1974 to help artists sustain their creative efforts over time and to increase appreciation of art through exhibitions, public programming and educational efforts. Kala’s current programs include an artists-in-residence program that provides free studio space, equipment and financial support for selected artists; an artist endowment; a roster of art classes open to the general public; public artist forums; an art gallery; and an artists-in-schools program that provides arts education to over 2,500 children (over half of which are low-income) in nine public schools in Berkeley, Emeryville and Oakland. NCCLF provided working capital to Kala to secure a lease guaranty in order to increase its current lease space.

Baker Places (BP) For over forty years, BP has been a community leader in providing social rehabilitation and housing options for people who are struggling with mental and psychological illness, chemical addiction and HIV/AIDS. They continue to offer safe and supportive, homelike environments for clients to learn new skills and prepare to live independently with staff and peer support.

SHELTER Inc. of Contra Costa County (SI) is a nonprofit 501(c)(3) founded in 1986. Headquartered in Martinez, SI’s mission focuses on preventing homelessness, promoting self-sufficiency, and providing affordable permanent housing for County’s low-income residents. SI owns, operates, or master-leases nearly 200 units of housing spread throughout the County, though mainly concentrated in Richmond, Martinez, Pittsburg, Concord, and Antioch. In August 2008, NCCLF closed a loan to refinance the existing mortgage on the property in Pittsburg, known as The Landings. Today four of the units at the Landings are reserved very-low and low-income—at or below 50% and 80% Area Median Income (AMI), respectively—persons diagnosed with HIV/AIDS, and the other four units—which SHELTER reserves for formerly homeless individuals with a mental health diagnosis.

ED Roberts Campus (ERC) is a nonprofit organization founded in 2000 to build and maintain a transit-oriented multi-tenant center to house disability rights organizations and organizations serving the disabled community. The partner ERC organizations have worked with BART and the City of Berkeley for ten years on The Ed Roberts Campus. The Campus will be built on a portion of the eastern parking lot of the Ashby BART station and will include 65,000 square feet of leaseable space, 11,000 square feet of shared facilities, and 154 space underground garage, and a concourse BART entryway. In August 2008 NCCLF provided a large loan which represents a portion of a $2,187,500 participation loan to finance a portion of the construction costs to build the Ed Roberts Campus.

Lao Family Community Development (LFCD) is a 501(c) (3) nonprofit founded in 1980 which was originally established to provide essential human services to refugees and immigrants from Southeast Asia, the organization has expanded its target population to include low-income migrants from other regions, as well as U.S.-born groups. With program focuses on employment services, financial education, youth services, family support services, and senior programs, today LFCD serves over 10,000 clients annually and provides services in over 15 languages. LFCD is headquartered in Oakland, with additional offices in San Pablo and Sacramento.

NCCLF provided anacquisition loan to help LFCD acquire a ±30,000 square foot warehouse building in the San Antonio neighborhood in East Oakland, a few blocks from LFCD’s current headquarters. The organization plans to carry out an extensive rehabilitation of the building and would provide LFCD with much-needed additional space, and allow it to consolidate its programs under one roof.

Mission Economic Development Agency (MEDA) is a nonprofit 501(c)(3) founded in 1973 with the goal of promoting community-based economic development within San Francisco’s Mission District, with a special focus on the neighborhood’s Latino community. Program services focus on small business consulting, counseling for first-time homebuyers, and community planning advocacy. NCCLF provided $1,000,000 of a $2,845,000 loan to MEDA to help finance costs associated with the acquisition and rehabilitation of the 21,000 square foot facility at 2301 Mission Street, in San Francisco. The facility will house up to eight human service organizations, including MEDA.

Resources for Community Development (RCD) is a 501 (c)3 nonprofit public benefit corporation established in 1984. Its mission is to create and preserve housing for people with limited resources. RCD has focused its development efforts on permanent supportive housing, dedicated to very low and low-income households with special needs; these groups include seniors, the homeless, people with disabilities, survivors of domestic violence, and people living with HIV/AIDS. Since its inception, RCD has completed 47 projects totaling 1,180 units. NCCLF provided RCD with a large loan to become a portion of a $1,998,990 to purchase a 0.69 acre site in the Lower San Antonio area of East Oakland.

RCD plans to develop 55 affordable units targeted to households earning between 30% and 60% of AMI. The four story project includes a mix of 46 traditional apartment flats and townhouses for families and singles and 9 ground floor work/live units targeted to artisans, artists and individuals with small businesses.