NCRF is dedicated to providing capital and technical assistance to organizations working to revitalize low-income neighborhoods and provide housing, services and jobs to underserved people throughout the United States. NCRF accomplishes this by leveraging investments in its revolving loan fund with its own capital to make low interest and below-market rate loans to community- and faith-based nonprofit organizations and mission-based for-profits to create or preserve affordable housing community facilities and economic development projects.

Type of Investments

CONTRIBUTIONS TO CORE OPERATIONS

This type of tax-deductible contribution supports the Loan Fund's general operating expenses, making our lending activity possible.

This support funds our operational expenses including the work of our loan officers, underwriters, loan closings and monitoring. It helps support our outreach to borrowers and our public information in print and on the Internet.

DEBT CAPITAL INVESTMENTS

Debt capital investments are low or no-interest investments made in the Loan Fund's loan pool by financial institutions, corporations, insurance companies, religious organizations, individuals or other public, private or corporate organizations.

Debt capital is secured by the Loan Fund's equity capital. It is this type of investment that extends the scope and reach of the Loan Fund's lending activity throughout the country in the loans we make for affordable and special needs housing, economic development, and community facilities.

The following organizations have made investments of debt capital in the Loan Fund

• CHARLES SCHWAB BANK
• FANNIE MAE
• UMPQUA BANK (Formally Known as WESTERN SIERRA BANK)
• WELLS FARGO COMMUNITY DEVELOPMENT CORPORATION
• SISTERS OF THE HOLY NAMES OF JESUS AND MARY
• CATHOLIC HEALTHCARE WEST
• SISTERS OF ST. JOSEPH OF CARONDELET

EQUITY INVESTMENTS

Equity capital investments are the most essential type of investment to the Loan Fund. It is at the heart of the Loan Fund and is a type of permanent investment that allows the Loan Fund to leverage the additional debt loan capital from which it lends.

For every $1 of equity capital received, the Loan Fund is able to generate $4 in debt capital to lend for worthy community projects.

Equity investments generally are made in the form of a permanent gift or grant. Contributors of equity can take satisfaction in knowing that their investment has the capacity to leverage and deliver significant capital resources into low-income communities while simultaneously helping to grow and ensure the sustainability of the Loan Fund.