Loans and Financing: Further Assistance

If you have reached this page, your organization may not meet our lending criteria. NFF makes loans to nonprofit organizations and social enterprises that promote the economic, social or cultural development of diverse communities. Our loan clients are financially equipped to use debt as a strategic tool. NFF will consider applications from organizations that meet the following criteria:

  • A 501(c)(3) organization or other entity that promotes the economic, social or cultural development of its community
  • Been in existence for 3 years or more (some clients such as social enterprises have shorter operating histories)
  • Unrestricted annual operating revenue of at least $1,000,000
  • Located in one or more of the following states: California, Connecticut, Hawaii, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Oregon, Pennsylvania, Rhode Island, Washington, Washington, DC
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    Washington, DCaliforniaConnecticutHawaiiMarylandMassachusettsMichiganNew HampshireNew JerseyNew YorkOregonPennsylvaniaRhode IslandWashingtonWashington, DC

NFF’s Financial Services aren’t a perfect fit for all nonprofits.  And many nonprofits in need of financing may not actually be ready to take on debt.  Our lending guidelines are driven by our organizational values and our need for sustainability. If your organization doesn't meet those guidelines, there still may be channels available to you other than Nonprofit Finance Fund. We know it's tough to find financing for nonprofit needs, but below are some suggestions and additional resources: 

Get Debt-Ready

Go Local 

Tap Your Network

  • Have a conversation with your Board members about additional resources they could provide, and ask them to draw on their relationships in the community.  This thoughtful post on our Social Currency blog by Angela Francis asks us to "Think Beyond the Wallet" in our interactions with Board members.   

Research Alternatives 

  • There may be grants or other philanthropic support that is more tailored to your organization's needs. The Foundation Center has very helpful staff, great resources, and is the best place to start.