National Community Capital Association

What National Community Capital Association does

National Community Capital Association is identified in firmographic records as a trade association of community development financial institutions headquartered in New Brunswick, New Jersey, with 51–100 employees. The substantive operational data provided, however, describes New Jersey Community Capital (NJCC), a nonprofit community development financial institution (CDFI) founded in 1987 that operates as a community development lender and real estate investor. NJCC manages approximately $700 million in assets across four business lines — Lending, Real Estate Development, Investment Ventures, and Strategic Community Consulting — and reports cumulative deployment of more than $914 million in underserved communities while leveraging over $2.5 billion in additional capital. The organization's stated beneficiaries include low-to-moderate-income individuals and families, affordable housing developers, small businesses, Federally Qualified Health Centers (FQHCs), charter schools, and community development nonprofits across New Jersey, New York, Florida, California, Washington D.C., and Georgia, with more than 120,000 business owners and residents reported reached.

NJCC's product portfolio centers on community development financing instruments, including New Markets Tax Credit (NMTC) allocations, acquisition and construction loans, permanent financing, preferred equity investments, down payment assistance grants, and disaster recovery loans. Its flagship direct-to-consumer offering is the Address Yourself™ homeownership platform, which combines financial education, pre-purchase counseling, and down payment assistance — including a specialized ITIN program for undocumented immigrants — and reports serving 1,570 households with $8.3 million deployed in down payment assistance. The Community Asset Preservation Corporation (CAPC), a wholly-owned real estate subsidiary described as the largest affordable housing developer in New Jersey, handles property acquisition, rehabilitation, management, and disposition across 600+ housing units and 500,000+ square feet of commercial assets. Additional offerings include the REBUILD disaster recovery loan fund, the Garden State Relief Fund (COVID-19 emergency lending), the Trenton Small Business Emergency Loan Program, the THRIVE South Jersey regional economic development initiative, and the Keys to Home New Jersey collaborative digital platform launched in June 2026.

NJCC's revenue model combines interest and fee income from lending and equity investments, federal and foundation grant funding (including NeighborWorks America flexible impact grants), and program-related income from down payment assistance administration. Pricing is below-market by design, reflecting the CDFI mission, and specific loan terms and fees are not publicly disclosed. The go-to-market approach is relationship-based and community-led: NJCC originates deals directly with developers, nonprofits, and small businesses, and distributes consumer-facing products through HUD-approved housing counselors and community partners such as New Brunswick Tomorrow and the East Trenton Collaborative. Leadership is anchored by President & CEO Bernel Hall (appointed 2022), supported by a full C-suite including a Chief Risk Officer, CFO, COO/CCO, General Counsel, CHRO, Managing Director of Lending, and Managing Director of CAPC.

Name

National Community Capital Association

Legal name

New Jersey Community Capital

Website

https://nationalcommunitycapital.org

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

51–100 employees

Short description

New Jersey Community Capital is a nonprofit community development financial institution founded in 1987, deploying approximately $700 million in assets across lending, real estate development, investment ventures, and community consulting to underserved communities across multiple U.S. states.

Ownership category

akta.pro rank

Product category

Community Development Finance

NAICS

Credit Unions (52213), Other Financial Investment Activities (5239)

SIC

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

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

akta.pro secondary industry

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Community development finance
• Affordable housing lending
• Down payment assistance
• Community development financial institution
• Small business lending

Headquarters

HQ city

New Brunswick

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Lending and Investment Income: Revenue generated from interest on loans, fees on lending transactions, and returns on investments in community development projects including affordable housing, small businesses, and community facilities.
2. Grant Funding: Federal and foundation grants including NeighborWorks America grants, New Markets Tax Credits allocations, and government program funding to support operations and program deployment.
3. Down Payment Assistance Programs: Deployment of down payment assistance funds through programs like Address Yourself, Statewide DPA, and NeighborhoodLIFT partnerships, generating program-related income.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

New Jersey Community Capital (NJCC) operates as a community development financial institution (CDFI) deploying capital across four business lines: Lending, Real Estate Development (via CAPC subsidiary), Investment Ventures, and Strategic Community Consulting. Core offerings include affordable housing loans, down payment assistance programs for low-to-moderate-income homebuyers, New Markets Tax Credit allocations, disaster recovery small business loans, and equity investments in community development projects.

Product overview

New Jersey Community Capital operates as a community development financial institution (CDFI) offering a portfolio of financial products and programs centered on community development, affordable housing, and economic opportunity. The core offerings include the Address Yourself™ homeownership platform (down payment assistance and housing counseling), the Community Asset Preservation Corporation (CAPC) subsidiary for real estate development and property management, and various lending programs including REBUILD disaster recovery loans, the Garden State Relief Fund for COVID-19 relief, and the Trenton Small Business Emergency Loan Program. Additional programs include THRIVE South Jersey for economic development and New Markets Tax Credits financing. The 2026 Keys to Home New Jersey platform represents a new collaborative digital resource for first-time homebuyers.

Differentiator

Problem solved

Functional benefit

Brands

• Address Yourself™: Affordable homeownership program providing down payment assistance for low-to-moderate income individuals and families
• Community Asset Preservation Corporation (CAPC)
• REBUILD
• Garden State Relief Fund (GSRF)
• THRIVE South Jersey
• Keys to Home New Jersey

Products and services

• Address Yourself Homeownership Program Comprehensive homeownership platform providing financial education, pre-purchase homeownership counseling, and down payment assistance for low-to-moderate-income individuals and families in New Jersey.
• Community Asset Preservation Corporation (CAPC) Wholly-owned subsidiary providing real estate development, property management, asset management, mortgage acquisition, and mortgage modification services. Handles property acquisition, rehabilitation, and disposition of affordable housing.
• REBUILD Disaster Recovery Program Disaster recovery loan fund providing low-interest loans to help small businesses recover from disasters.
• Garden State Relief Fund (GSRF) Emergency relief loan program for New Jersey nonprofits and small businesses affected by the COVID-19 pandemic.
• Trenton Small Business Emergency Loan Program COVID-19 emergency loan program providing low-cost loans to Trenton businesses affected by the pandemic, in partnership with the City of Trenton and Greater Trenton.
• THRIVE South Jersey Regional economic development initiative providing financing resources to businesses, nonprofit organizations, and public agencies in South Jersey.
• Down Payment Assistance Programs Multiple down payment assistance programs including Statewide DPA, NeighborhoodLIFT, Esperanza, TNI HAP, AtlantiCare, and ITIN programs targeting income-eligible homebuyers.
• Keys to Home New Jersey Collaborative digital platform providing comprehensive homeownership resources for first-time homebuyers across New Jersey.
• New Markets Tax Credits Financing New Markets Tax Credit allocation financing for qualified community development projects, including health facilities, charter schools, and community centers in underserved areas.
• Community Development Lending Direct origination of loans and investments to developers, nonprofits, small businesses, and community organizations through relationship-based lending supporting affordable housing, charter schools, community facilities, commercial real estate, and small businesses.

Quantifiable outcome

• $914 million+ invested in underserved communities
• +4 more outcomes

Named customers16 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

20 partnerships are on record, tiered core, major and minor.

• NeighborWorks AmericacoreStrategic or Co-development Partner · 1 April 2026NeighborWorks America provides flexible impact grants to NJCC, including $509,000 Flexible Impact Grant in 2026. As a network member, NJCC participates in NeighborWorks training, shares best practices, and collaborates on housing solutions. The partnership is central to NJCC's community development work and provides access to national resources and credibility.
• Millville Urban Redevelopment CorporationmajorStrategic or Co-development PartnerLead developer for THRIVE South Jersey project at Cumberland County College Arts and Innovation Center. NJCC provided $6.9 million in NMTC to finance the project.
• South Ward Children's Alliance (SWCA)coreStrategic or Co-development PartnerPartner in Family Village healthy homes initiative alongside CAPC. SWCA provides wraparound support services for families including financial well-being and academic success programs for children in Newark's South Ward.
• New Brunswick TomorrowcoreStrategic or Co-development PartnerLongtime community partner connecting residents to NJCC's Address Yourself ITIN Program for undocumented immigrants. Helps low-to-moderate income families access homeownership through counseling and financial assistance programs.
• Capitol Rock PartnersmajorStrategic or Co-development PartnerD.C.-based real estate platform and sponsor for workforce housing portfolio (The Luzon and The Van Buren). NJCC provided $3.5 million preferred equity investment in partnership with Capitol Rock.
• PrimestormajorStrategic or Co-development PartnerLos Angeles-based developer for The Walk mixed-use project in Norwalk, CA. NJCC provided $10 million equity investment in this 374-unit development with 56 affordable units.
• Aya EnterprisesminorStrategic or Co-development PartnerPartner supporting the D.C. workforce housing preservation transaction, helping maintain long-term affordability without displacement of current residents.
• CompleteCare Health NetworkmajorStrategic or Co-development PartnerFederally Qualified Health Center receiving $10.5 million NMTC allocation for new 26,000 sq. ft. community health facility in Bridgeton, NJ, expanding access to healthcare in underserved area.
• Newark Community Health CentersmajorStrategic or Co-development PartnerFQHC receiving $2.3 million construction loan for tenant improvements to 4,500 sq. ft. medical facility, enabling expansion to serve 55,000 patients annually.
• New Jersey Citizen Action Education FundcoreChannel Partner/ Reseller/ DistributorPartner in Keys to Home New Jersey collaborative, contributing expertise to centralized homeownership resource website for first-time buyers.
• Urban League of Essex CountycoreChannel Partner/ Reseller/ DistributorPartner in Keys to Home New Jersey collaborative providing fair housing and affordable housing expertise for first-time homebuyer resources.
• Invest NewarkcoreChannel Partner/ Reseller/ DistributorPartner in Keys to Home New Jersey collaborative and economic development affiliate whose CEO serves on NJCC Board. Focus on Newark housing and community development.
• Newark Housing AuthoritycoreChannel Partner/ Reseller/ DistributorPartner in Keys to Home New Jersey collaborative bringing housing authority resources and expertise to first-time homebuyer education.
• Paterson Habitat for HumanitymajorStrategic or Co-development PartnerAffordable housing developer receiving $5.2 million NMTC allocation for 12-14 single-family homes. Long-standing partnership focused on homeownership preservation in Paterson.
• Ascension Capital PartnersmajorStrategic or Co-development PartnerBlack-owned real estate developer and CAPC training program graduate utilizing NJCC financing for affordable rental homes. Received $228,000 permanent loan for Irvington properties.
• Polaris AmericanmajorStrategic or Co-development PartnerMinority-owned affordable housing developer in East Orange receiving $500,000 acquisition and construction revolving line of credit for scattered-site property rehabilitation.
• TD+PartnersmajorStrategic or Co-development PartnerDeveloper partner for Second Street Youth Center project, working alongside NJCC's $8.8 million NMTC allocation for 25,000 sq. ft. early childhood education facility.
• East Trenton CollaborativecoreStrategic or Co-development PartnerNJCC affiliate and community collaborative addressing housing, environmental concerns, and economic issues in East Trenton. Members focus on listening and providing opportunities rather than making decisions on community's behalf.
• UrbanPromise TrentoncoreStrategic or Co-development PartnerAfter-school and youth programs provider working with East Trenton Collaborative to address food insecurity and community health during COVID-19 pandemic.
• Community Asset Preservation Corporation (CAPC)coreStrategic or Co-development PartnerWholly-owned subsidiary of NJCC and largest affordable housing development company in New Jersey with 600+ units. Handles property acquisition, rehabilitation, management, and disposition. Capabilities include real estate development, property management, asset management, mortgage acquisition, and mortgage modification.

Scale indicators12 records

Recent moves6 records

Expansion highlights8 records

Direct peers

• Local Initiatives Support Corporation (LISC): One of the largest national CDFIs, providing loans, equity, and technical assistance for affordable housing, community facilities, and economic development in underserved communities — directly comparable to NJCC across all four of NJCC's business lines at materially larger scale.
• Low Income Investment Fund (LIIF): CDFI providing financing for affordable housing, child care, education, and community facilities in underserved communities — directly comparable as a mission-aligned CDFI peer with similar NMTC deployment and place-based community development focus.
• The NHP Foundation: Nonprofit affordable housing developer and CDFI providing acquisition, rehabilitation, and property management of affordable rental housing — directly comparable to NJCC's CAPC subsidiary as a vertically integrated nonprofit affordable housing organization.
• Enterprise Community Partners: Major national CDFI and affordable housing organization deploying NMTC, debt, and equity across affordable housing and community development — a directly comparable peer with overlapping products (NMTC deployment, lending, real estate development) and similar mission-aligned investor base.
• Housing Partnership Network: Peer network of 90+ high-performing nonprofit housing organizations, providing lending, capacity building, and shared services for affordable housing developers — closely comparable as a peer ecosystem of integrated nonprofit housing CDFIs and developers.
• Reinvestment Fund: CDFI that finances affordable housing, community facilities, and small businesses in underserved markets using NMTC, lending, and policy data analytics — directly comparable CDFI peer operating in adjacent geographies (Mid-Atlantic) with similar product mix.
• Opportunity Finance Network: National membership organization and intermediary for CDFIs, providing capital, policy advocacy, and capacity building across the CDFI industry — comparable as a sister CDFI ecosystem organization and lender with overlapping community development focus.
• Capital Impact Partners: National CDFI providing loans, equity, and capacity building for community development, including affordable housing, charter schools, and health facilities — closely comparable peer with similar NMTC deployment and place-based community development approach.

Others

• NeighborWorks America: National network of which NJCC is a member, providing grants, training, and capacity building to community development nonprofits — adjacent ecosystem enabler rather than direct competitor, but a key counterparty for NJCC's funding and program strategy.

Broad incumbents

• National Equity Fund: Large national nonprofit Low-Income Housing Tax Credit (LIHTC) syndicator deploying federal tax credit equity into affordable housing — broadly comparable as a major mission-aligned affordable housing capital provider, though more narrowly focused on LIHTC rather than NJCC's broader CDFI model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about National Community Capital Association