Social Impact at NCCLF

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.


Impact at a Glance (To Date):

created or preserved 17,273 jobs
created over 1.7 million sq. ft. of community serving facility or commercial space
created or preserved 5,916 affordable housing units
leveraged $1.1 billion in additional financing
And during this time, we have not lost a single dollar of investor capital.

Investing Impact – NCCLF Funds at Work

Where NCCLF Loans Served the Community in FY2012
Health and Human Services – 52%
Affordable Housing – 19%
Arts and Education – 26%
Economic Development – 3%

NCCLF is proud to provide an effective impact investment vehicle to our individual and institutional loan fund investors. We closed 70 investments in FY2012, bringing our total loan fund investments, life-to-date, to 1,072. At the end of FY2012, our loan fund was supported by a diverse portfolio of investments totaling over $35 million, surpassing our goal of $35 million in lending capital by the end of FY2013.

 Lending Impact

NCCLF’s revolving loan fund reached $37.3 million by the end of FY2012, has been the core resource empowering us to serve our clients for nearly a quarter century. Since doubling our maximum single loan limit from $1 million to $2 million to meet the needs better of well-qualified borrowers, NCCLF closed two housing loans, nine facilities loans, and eight business (working capital) loans.

Consulting and Training Impact

We have long believed that offering sound and expert advice about financial and real estate challenges multiplies the efficacy of our efforts to provide capital to Northern California’s nonprofits serving low-income people and communities. During FY2012, our Consulting and Training program reached these important milestones:

  • We completed 43 consultation engagements and conducted 16 workshops.
  • We developed and implemented the first annual NCCLF Communities Facility Challenge, a competition engaging 5 teams of students at California State University, Fresno to conduct real estate feasibility analyses for Central Valley nonprofits serving low-income communities.

We were awarded a $1.5 million grant from the US Treasury’s CDFI Fund, a portion of which will support our work with consulting and training clients, particularly in California’s Central Valley

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Main Office: NCCLF

870 Market Street Suite 677, San Francisco, CA 94102
phone: (415) 392-8215 | fax: (415) 392-8216 | email:

Central Valley Office: NCCLF

4949 E. Kings Canyon Road, Suite 108, Fresno, CA 93727
phone: (559) 452-0327 | fax: (559) 412-5039 | email:

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