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

2017 Capital Region InnovateHER presenters!

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.

Join us for our 32nd Annual Celebration Wednesday, October 18th

Please join us for a special evening of delightful music, delicious food and exceptional camaraderie as we celebrate 32 years of sustainable community development throughout the Capital Region. Wednesday, October 18th from 5-7 pm at Level’s Banquet Hall, 69 N. Pearl Street, Albany, NY. To join our Honorary Committee or take out an ad in our program journal, please contact Linda Chandler at (518) 436-8586 x806 or email To RSVP, please call Tina Ross at (518) 436-8586 x810 or email

New 8-week Business Planning Class Beginning Saturday, September 16th

Join us for some real world business planning. Learn what you need to know to start and run a successful small business with our 8-week intensive training course, offered in partnership with the Huether School of Business of The College of Saint Rose. Class topics include: developing a business plan, strategic planning, marketing, sales forecasting, financial management and analysis, legal, insurance and tax issues. The course provides fundamental planning concepts and tools to help existing and potential business owners. Please visit our Events List page for details. The tuition for the course is $160 and includes class materials and light refreshments. Scholarships may be available.