Financing

NFF is a Community Development Financial Institution that provides loans and other financing to help nonprofits and social enterprises expand opportunities in their communities. With over 40 years of experience, our products have responded to the real-time needs of organizations that are contributing to the wellbeing and resilience of communities across the US.

Our financing supports organizations in education, community improvement, health, homelessness and housing, human services, social justice, workforce development, youth development, and more. We customize loans to help organizations with everything from creating community centers to building new health centers, as well as bridging capital campaign pledges or government contract payments.

See recent loans closed.

Keep scrolling to learn about our financing options, our approach, and our clients. And to connect with someone from our team to discuss financing for your organization, email [email protected].

Financing Options

Access to affordable, quality facilities and functioning equipment is critical for mission success. We provide loans to purchase, build or upgrade your sites and facilities, including leasehold improvements and equipment needs.

We’ve helped charter schools add classrooms, a supportive housing organization acquire new sites, and theaters renovate performance halls, and assisted countless other organizations with their facility or real estate financing needs.

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All organizations need funds to manage daily operations and to finance future growth.

We provide lines of credit and flexible loans to address your cash needs – whether you manage a behavioral health organization adapting to new forms of payment, or need capital to scale a foster-care reduction program.

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We can help you cover costs and begin facilities projects while awaiting payment of government or foundation grants or capital campaigns.

We have provided bridge loans to help kick-start projects by nonprofits ranging from a community health center to an urban farm.

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NFF has used NMTC to finance organizations and projects that increase access to human services, healthcare, education, arts and culture, youth and workforce development, and much more in communities across the US.

Interested in NMTC? Contact us at [email protected] to tell us about your project.

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Interested in a loan?

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We got a $10 million grant from the local district attorney’s office, but there were issues with how the grant was structured – line-item reimbursable, quarterly invoices that would take six months to get paid. At times, we had close to $1 million in outstanding receivables from government contracts. We had to use all of our unrestricted funds while waiting for payment, and even that wasn't enough. As a small nonprofit, this almost sunk us, putting us at risk of not making payroll and having to delay payments to vendors. NFF provided us with a $1-million line of credit, which saved us from having to stop operations and provided the cash we needed to keep programs going while we waited on delayed contract payments.
Rev. Rubén Austria
Executive Director, Community Connections for Youth

Our homeless neighbors are best served when supportive services, health care, and housing are integrated, providing permanent solutions to end homelessness in their lives. NFF bridged a critical financing need, which allowed us to move forward with the second phase of our transformative Campus development, a regional hub that will serve thousands in our community.
Stephanie Klasky-Gamer
President and CEO, LA Family Housing

Our financing partnership with NFF has allowed RISE Prep to deliver on its ambitious goals and mission in a building that truly reflects the excellent work happening inside each classroom. NFF has been unwavering in its dedication and support since our earliest conversations in 2016. Their flexibility and commitment in the face of adversity helped RISE Prep purchase and build out an exceptional facility for RISE Prep's scholars, which has made all the difference in RISE Prep's long-term sustainability and success.
Rosalind DaCruz
Founder and Head of School, RISE Prep Mayoral Academy

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We’ve spent a long time at the cutting-edge of nonprofit financing

For over 40 years, we’ve been at the forefront of nonprofit finance, focusing on the needs of low-income communities and the organizations that serve them, and crafting products and solutions to meet those needs.

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We take the time to get to know you

We love what we do and supporting your work. We get to know your vision and help you realize it – whether you’re fighting homelessness in California, running a charter school in New York, or providing medical care to underserved Texas communities.

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The conversation starts with your needs, not our products

We work with you to craft the financing solution that works best for your organization, your mission, and your community.

We chose NFF as our financing partner because they truly understand the challenges and needs of operating a community health center. They are driven by mission, and are genuinely interested in the health and well-being of patients living in our community.
Jim Souza
Chief Financial Officer, Charles River Community Health Center

The refinancing support from NFF allowed for us to secure funding from NYC to create our new home. Now the youth we serve can look forward to a large, beautiful space equal to their aspirations.
Khary Lazarre-White
Executive Director, The Brotherhood/Sister Sol

It is such an anomaly to love a lender, but we certainly fell in love with NFF as they created a loan that fit our unique needs! Thank you for being there for us—and the communities who deserve to realize the ‘American Dream,’ but are least able to pay for it.
Barbara McCullough
CEO, Brighter Beginnings