Community Loan Fund of the Capital Region2023-03-01T10:24:14-05:00

Welcome to the Community Loan Fund of the Capital Region

The Community Loan Fund of the Capital Region is a nonprofit 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 nonprofit organizations and small businesses. We also offer training and technical assistance programs for small business owners and nonprofit leaders.

Explore our work and join us in this partnership by becoming an investor, a donor, or a nonprofit or small business borrower – together we are strengthening communities and changing lives.

Our Community Members

“Without the Community Loan Fund, we would not have been able to get construction started. People that were homeless for years and years, now have permanent housing.”

Janine Robitaille
Interfaith Partnership for the Homeless

“Without the Community Loan Fund, we would not still be in business, nor would we have been able to expand to a second location. We truly appreciate being part of this wonderful organization, and look forward to working with the Community Loan Fund for many years to come.”

Jason Wellington
Joyful Beginnings Early Education Center

“The Community Loan Fund allowed me to move my at-home bakery into the brick and mortar success it is today. Their training workshops and small business guidance proved to be worthwhile.” 

Stacie Blair
The Sugar Fairy Bakes

“The Community Loan Fund made Bliss possible, as they were the first source of funding we acquired. Without their faith in our business, we would not have been able to bring this business to our community.”

Katie Dievendorf
Bliss Juice.Smoothie.Self

Borrower Bios

“Book” It To The Diver Library

Driving through the hill towns of Northern Rensselaer County can often lead to discovering newly established community or family run businesses that catch your eye. The Town of Schaghticoke is no exception, and this [Read More]

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Workshops & Events

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For any nonprofit, mission vision and values are the foundational principles that will guide program delivery, fund development and strategic planning. Your mission defines your organization’s focus and reason for being – the social impact you want to make. Your vision should be aspirational and forward-thinking. It puts into words what the world would look like if your organization fully realized its mission. Your values are the lens through which you will go about executing your mission to make your vision a reality. Mission, vision and values statements are a critical component of communication with funders, stakeholders and board members. Come to this interactive workshop prepared to address questions that will help you define your mission (or revisit your existing mission), shape your vision statement, and articulate your values.Register Here: ... See MoreSee Less
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The market fluctuates week-to-week, do you know where your money is going? Would you rather invest locally and know EXACTLY where your investment goes? Invest with the Community Loan Fund! Our investors are the backbone of every small business or non-profit loan. When you invest money with us, we pool that money with other investments to build new businesses, develop new community projects, and support the valuable work of local non-profits. Since 1985, the Community Loan Fund has been accepting investments from socially conscious individuals and organizations who want to support healthy and equitable communities.Interested in learning more? Visit to learn more about how your investment could lead to the next great locally owned business in your area! ... See MoreSee Less
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