ABOUT NCCLF

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 strengthens the economic base of low-income communities by assisting community-based organizations and enterprises that promote housing, economic development, human services, and models of participatory ownership and management.

We build the long-term capacity of these organizations and enterprises by providing access to affordable loan capital and technical assistance; we provide our investors with a reliable mechanism for channeling their capital to effective community development projects.

We seek to further social and economic change by increasing public awareness about the social impact of investment decisions; by advocating with lenders and other capital sources for making more resources available for community-based development; and by working with other organizations that share our goals.

Since 1987 NCCLF has accomplished its community revitalization mission by:

• 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. Since our inception in 1987, we have not had a single loan loss.

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 $78,274,040 million to 268 worthy nonprofit projects and provided financial and facilities management expertise to more than 900 organizations.



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