As unique educational institutions, charter schools serve as pillars in their respective communities.
Through our extensive experience working with K-12 charter schools and their partners, our team understands what it takes to run a successful school while adapting and growing when necessary to meet the needs of their students. NFF’s team does not stop at lending experience – we also have former charter leaders, instructors, policy makers, and legal experts all versed in the charter school landscape. Our expertise in charter schools’ underlying business models and unique financial drivers allows us to provide truly customized support and flexible terms for each of our clients.
Inquire today to learn about NFF’s favorable loan terms, including very flexible loan-to-value ratios and extended interest-only periods.
Charter School Financing Options
NFF can service charter schools nationwide! Our lending experience includes, but is not limited to: Alabama, California, Colorado, Florida, Louisiana, Maine, New Jersey, New York and NYC, Pennsylvania, Rhode Island, Tennessee, Texas, Washington, and Puerto Rico.
Facility Loans
- Acquisition of new charter school facilities
- Pre-development and/or project-related soft costs
- Expansion of existing buildings
- Construction, renovation, and leasehold improvement
- Long-term permanent financing
Equipment Loans
- Furniture, fixtures, and equipment
- Playground equipment, walls, and fencing
- Green and energy efficiency improvements
Working Capital and Bridge Loans
In addition to charter school facilities lending, NFF offers working capital lines of credit to smooth irregular, episodic funding streams.
New Markets Tax Credits (NMTC)
NMTC can bring much-needed equity to charter schools. NFF has leveraged millions of dollars in tax credits to spur investment in projects in low-income communities.
Insights

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December 11, 2024
OASIS Hub
Blog
May 28, 2025
Getting to “Yes” for Charter Schools

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July 24, 2024
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News
February 7, 2023