We offer financial and consulting solutions that help your nonprofit meet its goals. We are committed to performing our work with excellence and to treating our clients and colleagues with honesty and fairness.  For a quarter of a century, NCCLF has provided services for community-based organizations that have enriched the lives of low-income people across Northern California.  We are proud to have worked with these and many other organizations. To read about  NCCLF’s  New Market Tax Credit projects, click here.

NCCLF provided Lao Family Community Development, Inc. a $502,500 loan to help them acquire a new building to expand their services.  The organization assists diverse refugee, immigrant, limited English, and low-income U.S. born community members in achieving long-term financial and social self-sufficiency.  Read the loan summary here. (pdf).

Causa Justa :: Just Cause is a multi-racial, grassroots community and leadership building organization whose mission is to achieve justice for low-income San Francisco and Oakland residents. The organization provides free tenant counseling and case management for their clients. The organization received a $100,000 line of credit from NCCLF.  Read the loan summary here. (pdf).


Napa Valley Community Housing is an organization that develops attractive, well-built, affordable housing for Napa County’s low and moderate income residents. To help finance their latest project, Oak Creek Terrace, they turned to NCCLF for a $200,000 predevelopment loan to help cover the costs for the new construction, and a $680,000 loan to help purchase the 1.77-acre property for the project to be built on. Read the loan summary here. (pdf)

TODCO Development Co. is the housing development division of Tenants and Owners Development Corporation Group, the community-based housing/community development nonprofit corporation for San Francisco’s South of Market Neighborhood. The organization plans and develops new and rehabilitated senior and single-room occupancy affordable housing. TODCO recently received a $1,560,000 loan from NCCLF to finance the predevelopment costs associated with the renovation of 182 units of rental housing for very low-income seniors. The housing project includes a community room, dining room, and a landscaped courtyard area. Read the loan summary here. (pdf)

NCCLF provided $7.65 million in New Market Tax Credits to SFJAZZ for the construction of the SFJAZZ Center, a ±35,000 performance space in the Hayes Valley neighborhood of San Francisco. The Center will explore the full spectrum of jazz as well as provide education through a range of programs aimed particularly at students in the City’s public schools. Read the loan summary here. (pdf)

NCCLF has allocated nearly $7.4 million in New Market Tax Credits to the San Jose Environmental Innovation Center (SJEIC). The center will be renovated with additional new construction of a ±50,000 square foot community facility on a 4.2 acre site owned by the city near the downtown area. The completed project will host two nonprofit tenants, the Clean Technology Demonstration Center and Habitat for Humanity Restore. Read the loan summary here. (pdf)

NCCLF has provided a $1,997,500 loan to Axis Community Health, Inc. for the acquisition of a +24,000 sq. ft. community facility in Pleasanton. Axis Community Health provides accessible and compassionate healthcare services to low-income and working- poor residents in the Tri-Valley area of Eastern Alameda County. The new space will provide adequate space for delivering medical and behavioral health care as well as ancillary services to meet patients’ needs in the area. Read the loan summary here. (pdf)

Sacramento Self Help Housing is a non-profit organization that works to improve the living conditions and increase the self-sufficiency of individuals living at or below the poverty level in the Sacramento area. NCCLF provided a $75,000 line of credit to Sacramento Self Help Housing that will help the organization manage cash flow more effectively when it faces delays in contract reimbursements. Read the loan summary here. (pdf).


Habitat Greater San Francisco provides a hand-up, not a hand-out for families in desperate need of improved living conditions. For Habitat Greater San Francisco families, homeownership means more than just having a roof over their heads. Their program allows families the opportunity to live in the cities where they work, create a better future for their children and ultimately break the cycle of poverty through affordable homeownership.  NCCLF has allocated over $10 million in New Market Tax Credits towards a 36-unit for-sale affordable housing project in Daly City. Read the loan summary here. (pdf)

Asian American Recovery Services has been dedicated to decreasing the incidence and impact of substance abuse in the Asian and Pacific Islander communities of the Greater San Francisco Area since 1985.  They provide prevention, outreach, intervention and treatment services, as well as engaging in education, research and advocacy. Their approach addresses the physical, mental and emotional health for individuals and families. NCCLF has provided a zero percent $1,100,000 loan to refinance the acquisition of their community facility in South San Francisco. Read the loan summary here. (pdf)


Since 1999, First Place for Youth has prevented poverty and homelessness among youth that leave the California foster care system by supplying them with the resources and support needed to make a successful transition to independent living. NCCLF has provided a $500,000 permanent loan to refinance tenant improvements in the organization’s new +11,000 sq. ft. headquarters in downtown Oakland. The headquarters will also serve as a one-stop service center to over 325 youths annually. Read the loan summary here. (pdf)


HUB Bay Area is a for-profit social-enterprise with a mission to build community and create social impact through innovation and collaboration. The Hub is located in the historic Chronicle building and is part of an international network of co-working spaces, offering both physical and virtual workspace for social entrepreneurs to leverage collective resources to build solutions for a better world. NCCLF has provided a $450,000 loan to refinance tenant improvements in the organization’s 18,500 sq. ft. headquarters. Read the loan summary here. (pdf)


Through its West Berkeley Family Practice healthcare center, Lifelong Medical Care is the major provider of services to the low-income population and the only provider of services to low income uninsured residents in the area. NCCLF has provided Lifelong with $2.5 million of a total $7.3 million loan to finance costs associated with the renovation and expansion of the West Berkeley health center, allowing Lifelong to increase services from 6,652 to 10,300 patients annually. Read the loan summary here. (pdf)


Christian Church Homes of Northern California is the largest nonprofit manager of affordable senior housing in Northern California. Through the Redding Affordable Housing Loan Fund, NCCLF has provided CCH with $625,000 to finance predevelopment costs for the rehabilitation of the historic Lorenz Hotel in downtown Redding. The rehabilitation will create 60 units of affordable housing for very low-income seniors. Read the loan summary here. (pdf)

South County Housing has promoted viable neighborhoods that enhance healthy, sustainable communities by collaboratively providing affordable housing and neighborhood services, throughout Santa Clara, Santa Cruz, Monterey, and San Benito counties.  NCCLF provided a $5,000,000.00 loan to SCH to finance the construction of 19 affordable, townhouse-style homes for families and individuals with incomes at or below 120% Area Median Income in Aptos, CA.  Read the loan summary here. (pdf)

Self-Help Enterprises, Inc. has been providing affordable housing, sewer and water development, housing rehabilitation, and homebuyer programs to low-income families in the San Joaquin Valley since 1965. Many of the communities it serves have critically high rates of poverty and unemployment, and often lack the most basic services, such as clean drinking water and sanitary sewer systems. NCCLF provided the organization with a $250,000 working capital loan to administer grants and loans for critical water and sewer infrastructure projects through its Community Development Fund. Read the loan summary here. (pdf)

Housing California (HCA) is a non-profit whose mission is to increase the supply of decent, safe, accessible, and permanent affordable homes for homeless and low-income Californians. In operation since 1979, HCA is a statewide coalition representing over 1,000 regional and local housing advocates, nonprofit developers, and homeless service organizations. It is considered the state’s leading voice for affordable housing. NCCLF provided HCA with a $100,000 line of credit to help the organization manage its cash flow. Read the loan summary here. (pdf)


Since 1974, San Francisco Camerawork has been providing a venue for artists of all levels and ages to present, learn, experience, and explore photography. Their First Exposure program is a unique mentoring program that uses art education to develop transferable skills and foster relationships between artists and underserved Bay Area youth. NCCLF provided a $100,000 loan to refinance tenant improvements made to the organization’s new headquarters, which is located in San Francisco’s mid-Market area. Read the loan summary here. (pdf)


The Zen Hospice Project provides a spectrum of services for indigent and terminally ill patients and their families, including volunteer caregiver support, grief support and residential hospice care services at the Guest House in San Francisco. NCCLF provided the Zen Hospice Project with a $130,000 working capital loan to help the organization manage cash flow. The loan will ensure Zen Hospice continues providing much needed palliative care services at the Guest House. Read the loan summary here. (pdf)

Girls Incorporated of Alameda County (Girls Inc.) has been working to meet the needs of underserved girls (ages 5 to 18), and their families since 1958. The organization offers academic enrichment programs, leadership and fitness programs, and mental health counseling services. NCCLF and its participants provided $6.1 million in loans to Girls Inc. to fund leverage debt for New Markets Tax Credit and Historic Tax Credit financing as part of an $18 million project to renovate Girls Inc.’s new headquarters in Oakland’s Downtown Historic District. Read the loan summary here. (pdf)


Mission Neighborhood Centers, Inc. provides vital community services to low-income families, seniors, and at-risk youth in the Mission District of San Francisco, reaching 3,000 people each year. NCCLF provided the organization with a $260,000 line of credit to manage funding delays so the organization can continue providing GED preparation classes, case management and family support services, a summer job-training program, and a home detention program without interruption. Read the loan summary here. (pdf)

Community Music Center is the Bay Area’s oldest community arts organization and San Francisco’s largest provider of high quality, affordable music education. They make music accessible to people of all ages, musical levels, and financial backgrounds. NCCLF provided the nonprofit with a $1.04 million loan to acquire a ± 3,250 square foot building adjacent to their current headquarters. The organization plans to integrate both buildings into a single facility, more than doubling their current capacity available for office space, lesson rooms, and common areas for group lessons and performances. Read the loan summary here. (pdf)

East Bay Asian Local Development Corporation (EBALDC) has been developing affordable housing and providing related supportive social services to individuals and businesses in the East Bay, with a particular focus on the Asian and Pacific Islander community, since 1975.  NCCLF provided the organization with a $1.8 million acquisition loan to develop at least 130-units of affordable housing to individuals and families with incomes at 30-50% AMI, with ground floor community facilities and commercial/ retail space. Read the loan summary here. (pdf)

As You Sow (AYS) is a nonprofit that promotes environmental justice and social corporate responsibility through shareholder advocacy and coalition building. The organization increases environmental sustainability in the Bay Area’s low-income neighborhoods and the consumer products they use. Low-income communities historically are the most impacted by toxics and pollutants, yet usually lack the financial or legal resources to rectify the conditions. NCCLF provided AYS with a $100,000 line of credit to manage cash flow during foundation reimbursement cycles, allowing the organization to operate without interruption. Read the loan summary here. (pdf)

Asian Pacific Islander Legal Outreach (APILO) is a community-based social justice organization that serves the Asian and Pacific Islander communities of the Greater Bay Area. APILO’s work centers on issues of domestic violence, immigration senior law, human trafficking, public benefits, and social justice issues. NCCLF provided a $100,000 line of credit to APILO to supplement its operational cash flow through government contract reimbursement cycles. Read the loan summary here. (pdf)


Crescent City Harbor is a major commercial fishing port located in Del Norte County. The Harbor has been damaged by two winter storms and two tsunamis since 2006, creating a severe economic impact in the region. NCCLF has provided $1.5 million toward an $8.3 million revolving line of credit to the Crescent City Harbor District, which operates the Harbor, to bridge state and federal construction disbursement payments while repairs are made. Read the loan summary here. (pdf)



Placerville Natural Foods Co-op (PNFC) is a member-owned food cooperative that provides local, organic food to customers through its natural foods store in Placerville, as well as weekly free healthy food education classes and outreach to county social service agencies. NCCLF has provided PNFC with a $100,000 working capital loan that will be used to purchase inventory to keep up with growing demand. Read the loan summary here. (pdf)


CompassPoint Nonprofit Services is a nonprofit that provides consulting, training, and workshops to community-based nonprofits to strengthen capacity and leadership in the San Francisco Bay Area nonprofit community. NCCLF has provided CompassPoint with a $100,000 working capital loan to help the organization manage its cash flow following the move of its headquarters from San Francisco to Oakland. Read the loan summary here. (pdf)


NHSSV clientNeighborhood Housing Services Silicon Valley provides responsible home ownership programs and services to low- and moderate-income families in the South Bay. The organization seeks to empower clients who are otherwise unable to receive bank financing for home purchases, as well as to create financially capable communities and revitalize low-income neighborhoods. NCCLF provided NHSSV with a $100,000 term loan to assist the organization with its recent office relocation and expansion. Read the loan summary here. (pdf)

WAWC building logoThe Walnut Avenue Women’s Center is a family resource center in Santa Cruz that provides programs in early childhood education, family literacy, domestic violence services, and youth and community resource development. Its mission is to improve the economic, physical, and emotional well-being of women, children and teens. NCCLF provided WAWC with a $1,126,250 loan to refinance construction debt associated with the expansion and improvement of their office space. Read the loan summary here (pdf)

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Mercy Housing California, one of the country’s largest nonprofit developers of affordable housing, has partnered with Openhouse to develop 110 units of affordable senior housing that is welcoming to LGBT seniors aged 55 years or older. NCCLF originated the $4,460,000 acquisition loan through the Bay Area Transit-Oriented Affordable Housing (TOAH) Fund, to finance the acquisition of the property in the Hayes Valley neighborhood of San Francisco. Read the loan summary here. (pdf)

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Since 1973, Anka Behavioral Health, Inc. has been providing an array of support services to clients of all ages who have serious and persistent mental illness.  In 2011, Anka was awarded a $1.75 million Mental Health Services Act (MHSA) award from the California Housing Finance Agency (CalHFA), which is being used to purchase and renovate up to six single family homes in Contra Costa County for adults with serious mental health issues that are homeless, or at-risk of being homeless. In participation with the Golden State Acquisition Fund, NCCLF has provided Anka with a $305,000 acquisition loan to bridge financing while awaiting MHSA award disbursements from CalHFA. Read the loan summary here. (pdf)

DATeddybearhiphopDestiny Arts Center (De-Escalation Skills Training Inspiring Non-violence in Youth) offers violence prevention programs to Bay Area youth (ages 3-18) through artistic mediums such as dance, theatre and martial arts. NCCLF has provided Destiny Arts with a $925,000 acquisition/rehabilitation loan that will partially finance the organization’s purchase and renovation of its new arts education center/headquarters, located in North Oakland. Read the loan summary here. (pdf)



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The Palo Alto Senior Housing Project, Inc. was founded in 1968 to develop, own and operate Stevenson House in Palo Alto. The development provides 120 units of affordable housing to low-income seniors with incomes at or below 80% of the area median income. NCCLF provided the organization with a $1,700,000 loan to finance predevelopment costs associated with the rehabilitation and seismic retrofitting of Stevenson House. Read the loan summary here. (pdf)


Verge artistVerge Center for the Arts was founded in 2008 with the mission to provide local artists and residents with much needed community-arts resources such as exhibition space, affordable artist workspaces, and educational programming. NCCLF has provided Verge with a $1,272,000 loan for the purchase and renovation of its headquarters. The renovation will enable Verge to increase the number of artist studios, host three exhibition spaces, create a 90-seat classroom and a fine-art printmaking facility, as well as make art instruction available to the local low-income community. Read the loan summary here. (pdf)


ACT-LogoThe American Conservatory Theater (A.C.T.), is a Tony Award-winning theater and training institution that nurtures the art of live theater through dynamic productions, intensive actor training, and an ongoing engagement with the community.  NCCLF provided $6 million toward a $35.6 million New Markets Tax Credit financing for the acquisition and rehabilitation of the Strand Theater, in San Francisco’s Central Market neighborhood. Read the loan summary here. (pdf)

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Other Avenues Food Store Cooperative, Inc. is a worker-owned food cooperative located in San Francisco’s Outer Sunset district.  Other Avenues diverts 83% of all its solid waste from landfill to either recycling or compost, uses energy efficient methods in store operations, and offers health education seminars for the public.  NCCLF provided Other Avenues a $1,065,000 term loan to refinance existing debt on its grocery store property. Read the loan summary here. (pdf)