New Hampshire Community Loan Fund

What New Hampshire Community Loan Fund does

The New Hampshire Community Loan Fund (New Hampshire Community Loan Fund Inc.) is a nonprofit Community Development Financial Institution (CDFI) founded in 1983 and headquartered in Concord, New Hampshire. The organization provides loans, coaching, and technical assistance to manufactured-home buyers, resident-owned communities (ROCs), small businesses, nonprofits, municipalities, and childcare providers across New Hampshire (with select programs extending into Vermont). Its core products include fixed-rate manufactured-home mortgages, the ROC-NH program that helps manufactured-home owners cooperatively purchase and operate their land and infrastructure, small-business and SBA microloans (typically $10,000 to over $1 million), the Community-Driven Economic Empowerment (C-DEE) grant program launched in 2023, affordable-housing development loans, energy-solutions lending, and small-town grant-writing assistance.

The organization's technology stack is a community-lending platform supported by domain-specialized programs: ROC-NH (a registered trademark) provides structured cooperative formation and governance training, while C-DEE pairs grants of up to $5,000 with coaching delivered through the Small Business Development Center and a Community Business Advisory Council. The business model combines net interest income from lending with grant funding, donations, and impact-investor capital — 77% of investors are individuals, and the organization maintains a 100% investor repayment record since founding. Distribution is direct, relationship-driven, and embedded in a referral network that includes community banks, the CDFI Coalition, and local government partners; 99.9% of New Hampshire residents live within 10 miles of a Community Loan Fund borrower. Cumulative impact since 1983 includes $518 million+ invested, 153 ROCs formed, 11,000+ affordable homes preserved, 5,102 jobs created or preserved, and 4,175 childcare spaces created or preserved.

Name

New Hampshire Community Loan Fund

Legal name

New Hampshire Community Loan Fund Inc.

Website

https://communityloanfund.org

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

51–100 employees

Short description

New Hampshire Community Loan Fund is a nonprofit CDFI founded in 1983 that provides loans, coaching, and technical assistance to manufactured-home buyers, resident-owned communities, small businesses, nonprofits, and municipalities across New Hampshire.

Ownership category

akta.pro rank

Product category

Community Development Finance

NAICS

Grantmaking and Giving Services (81321), Credit Unions (522130), Religious, Grantmaking, Civic, Professional, and Similar Organizations (813)

SIC

Federal & Federally-Sponsored Credit Agencies (6111), Mortgage Bankers & Loan Correspondents (6162), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Impact Investing & Social Finance (Funds, CDFIs, Microfinance) (BPAGALAA)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Land Acquisition, Lot Development & Construction Financing (AD&C) (FSALAHAI)

Keywords

• Community development lending
• Manufactured home loans
• Small business financing
• Resident-owned communities
• Affordable housing finance

Headquarters

HQ city

Concord

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Loan Interest and Fees: The organization generates revenue through interest on loans provided to manufactured-home buyers, small businesses, nonprofits, and municipalities. Loans range from $10,000 to over $1 million for business borrowers.
2. Donations and Impact Investment Returns: The organization receives donations and impact investment capital from individuals and institutions. Impact investors receive social and financial returns. The organization has a 100% investor repayment record.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels8 records

Core offering

New Hampshire Community Loan Fund is a nonprofit Community Development Financial Institution (CDFI) that provides loans, coaching, and guidance to manufactured-home buyers, resident-owned communities (ROCs), small businesses, nonprofits, small towns and municipalities, and for energy efficiency projects. Its offerings include fixed-rate manufactured-home mortgages (Welcome Home Loans), ROC formation and cooperative financing, SBA microloans, the C-DEE accelerator grant program, affordable housing development loans, and grant writing services for municipalities. The organization has invested more than $518 million across New Hampshire since its founding in 1983.

Product overview

New Hampshire Community Loan Fund operates as a Community Development Financial Institution (CDFI) offering a comprehensive suite of lending products and services centered around manufactured housing, resident-owned communities (ROCs), small business development, and community empowerment. The core lending products include Manufactured-home Loans and Welcome Home Loans for homebuyers, ROC-NH support for resident-owned community formation and cooperative management, Small Business & Nonprofit Loans with SBA Microloans, and the Community-Driven Economic Empowerment (C-DEE) accelerator grant program. Additional services encompass Energy Solutions for energy efficiency, Affordable Housing Development Loans for multi-family projects, Small Town and Municipal Grant Writing assistance, and Homebuyer Resources and Coaching. All services are delivered through a neighbors-investing-in-neighbors community development model, with the organization having invested over $518 million since 1983.

Differentiator

Problem solved

Functional benefit

Products and services

• Manufactured-Home Loans Fixed-rate residential mortgages designed for purchasing manufactured homes, refinancing existing mortgages, or financing repairs and improvements; targeted at low- to moderate-income individuals and first-time homebuyers.
• Welcome Home Loans Fixed-rate residential mortgages and Your Turn down payment assistance for manufactured-home buyers, including refinancing and home improvement options with coaching support.
• ROC-NH (Resident-owned Community Support) Loans, coaching, and advice for manufactured-home owners whose park is for sale or who already live in a resident-owned community, helping homeowners form cooperatives to purchase and manage their parks.
• Small Business & Nonprofit Loans Flexible funding to help expand or improve small businesses and nonprofits, paired with repayment coaching; loan sizes typically range from $10,000 to $1 million.
• SBA Microloans U.S. Small Business Administration microloans for small businesses and nonprofits in New Hampshire and Vermont.
• Community-Driven Economic Empowerment (C-DEE) Capacity-building grants (up to $5,000 per recipient) and technical assistance to help New Hampshire entrepreneurs become financially resilient; covers computer hardware, software, and professional services such as bookkeeping and digital marketing.
• Small Town and Municipal Grant Writing Assistance to governments and municipalities of small towns in writing trust, government, corporate, and foundation grants and implementing projects per funder rules and regulations.
• Energy Solutions Innovative solutions, loans, and advising to help ROCs, small businesses, and nonprofits address energy efficiency, costs, and resilience through weatherization and solar projects.
• Affordable Housing Development Loans Pre-development loans for assessing development opportunities, bridge financing for property acquisition, and project financing for affordable multi-family housing development in New Hampshire and Vermont.
• Homebuyer Resources and Coaching Financial education and counseling services for prospective manufactured home buyers to help them achieve homeownership.

Quantifiable outcome

• 11,000+ affordable homes saved or preserved
• +5 more outcomes

Named customers22 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Business Alliance for People of ColorcoreStrategic or Co-development PartnerC-DEE is a partnership of the Community Loan Fund and the Business Alliance for People of Color, with the program launching in 2023 to support entrepreneurs of color.
• Small Business Development CentercoreImplementation/ SI/ Consulting PartnerProvides no-cost coaching to all C-DEE applicants and program participants, offering business guidance and technical assistance.
• Sheehan PhinneyminorImplementation/ SI/ Consulting PartnerProvides pro-bono legal services to select C-DEE awardees as part of the program's support ecosystem.
• New Hampshire Community Development Finance AuthoritycoreStrategic or Co-development PartnerCo-manages the CDFA Tax Credit Program and the revolving loan fund for energy improvement projects at nonprofits and small businesses, partnering with the Community Loan Fund since 1983.
• CDFI CoalitionminorStrategic or Co-development PartnerNational coalition whose annual progress report features Community Loan Fund borrowers, highlighting CDFI impact on homeownership and community development.
• Organization for Refugee and Immigrant Success (ORIS)minorStrategic or Co-development PartnerOversees Fresh Start Farms and received financing and business planning support from the Community Loan Fund for refugee farming initiatives.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Reinvestment Fund: National CDFI that finances affordable housing, small business, and community development. Similar capital-stack approach combining impact investment, federal funding, and loans for community-driven projects.
• Capital Impact Partners: National nonprofit CDFI financing cooperatives, affordable housing, and small businesses. Directly comparable lending mission and impact-investor capital model.
• Self-Help: North Carolina-based CDFI network with deep manufactured-housing lending expertise, including resident-owned community financing. Highly comparable to NH CLF's ROC-NH model and manufactured-home mortgage products.
• LiftFund: Texas-headquartered nonprofit CDFI providing small business loans and SBA microloans to underserved entrepreneurs. Comparable to NH CLF's small business and C-DEE programs in mission and small-balance lending profile.
• Vermont Community Loan Fund: Vermont's statewide CDFI offering small business loans, housing financing, and child-care financing — directly comparable geographic peer serving an adjacent New England market with similar community development products.
• MaineStream Finance: Maine CDFI focused on small business and microenterprise lending with SBA microloan programs. Comparable in size and product focus to NH CLF's small business and C-DEE programs.
• Coastal Enterprises Inc. (CEI): Maine-based nonprofit CDFI providing small business loans, housing financing, and community development services. Closest analog to NH CLF in scale, mission, and product mix across northern New England.

Broad incumbents

• Enterprise Community Partners: Large national CDFI and nonprofit developer focused on affordable housing and community development. Comparable multifamily affordable-housing development lending program but operates at substantially larger scale.
• LISC (Local Initiatives Support Corporation): One of the largest national CDFIs providing financing for affordable housing, small businesses, and community facilities. Comparable mission with much broader geographic footprint and program depth.

Others

• NeighborWorks America: National network of housing-focused nonprofits providing grants, training, and capital to member organizations. Comparable nonprofit affordable-housing mission but operates as a network/funder rather than direct lender.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NHCommunityLoanFund?ref=ts
• LinkedInlinkedin.com/company/new-hampshire-community-loan-fund
• Instagraminstagram.com/nhcommunityloanfund
• Xx.com/nhcommloanfund

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about New Hampshire Community Loan Fund