Lending
Supporting Your Vision
Fair access to capital transforms communities. Our lending programs provide adaptable financing solutions for projects that strengthen communities facing economic challenges.
Whether you’re a developer creating affordable housing, an entrepreneur launching a small business, or a nonprofit establishing a community facility, SCCLF supports your vision.
Our Lending Focus
The projects we finance are so much more than transactions. They are stories of lasting change created by our borrowers’ vision, persistence, and commitment to their projects and communities. We concentrate our efforts on four key areas that drive meaningful community development:
Affordable Housing
Supporting the creation of stable, quality housing for families experiencing economic constraints. Our financing helps construct, rehabilitate, and redevelop housing that provides safe, dignified living spaces.
Healthy Food Retail
Addressing food access challenges by supporting grocery stores, farmers’ markets, and food hubs. We invest in projects that bring fresh, nutritious food to areas traditionally overlooked by mainstream financial institutions. We aim to create sustainable food ecosystems that support local health and economic vitality.
Small Business Growth
Empowering entrepreneurs from historically marginalized backgrounds to access economic opportunities. We provide capital and resources to businesses that are the backbone of local economies. Supporting these business owners creates jobs, stimulates local economic activity, and builds community wealth.
Community Facilities
Funding critical infrastructure that serves community needs. From schools and health clinics to community centers and shelters, we invest in spaces that bring people together, provide essential services, and create opportunities for connection and growth.
New Markets Tax Credits
Furthermore, our New Markets Tax Credits (NMTC) program offers substantial financing for transformative initiatives in economically distressed areas. These credits enable us to make considerable investments to reshape entire communities, fostering enduring economic opportunities.
Borrower Support
We recognize that accessing capital can feel overwhelming. That’s why we do more than just provide loans.
Our team offers:
- Personalized financial guidance
- One-on-one consulting
- Educational workshops and training
- Ongoing support throughout your project’s lifecycle
Our loan officers work closely with you to understand your unique needs, helping you navigate the financing process with confidence and clarity.
Our Commitment
At SCCLF, we believe that financial tools should be accessible, transparent, and responsive to community needs.
We’re not only providing loans; we’re creating pathways to economic resilience and opportunity.