Nonprofit Lending

For nonprofits, the Community Loan Fund provides various types of loans and lines-of-credit

Invest Locally

The heart of our work is to offer socially concerned investors a practical way to help their neighbors and communities and to promote economic justice

Small Business Lending

We have small business loans for start-ups as well as expansions. We support all of our borrowers with free business counseling before and after the loan.

Business Counseling and Technical Assistance

255 Orange Street Community Mosaic Mural

Welcome to the Community Loan Fund of the Capital Region

The Community Loan Fund of the Capital Region is a non-profit community development financial institution serving the Capital Region of New York State -- Albany, Columbia, Fulton, Greene, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren & Washington Counties. Incorporated in 1985, our mission is to promote sustainable community development efforts for economically underserved people and communities. We provide access to capital by pooling investments and donations from socially concerned individuals and organizations, and re-lending it to non-profit organizations for affordable housing and community services, to micro enterprises for business development, and to individuals for home ownership and repair. We also offer training and technical assistance programs. Explore our work and join us in this partnership by becoming an investor, a donor, or a nonprofit or small business borrower – together we can bring communities to life and life to communities.

Visit us in Schenectady!

In March of 2014, the Community Loan Fund opened a satellite office at 920 Albany Street (the Schenectady County Community Business Center) in Schenectady's Hamilton Hill neighborhood. The office is open Monday thru Friday from 9-5 (unless we're out at a meeting). Please call us at (518) 436-8586 to make an appointment or for more information. We look forward to continuing our work in Schenectady and being part of its revitalization.