Invest in real people, earn real returns

Investments in the New Hampshire Community Loan Fund are stable, pay interest to the investor and create opportunity many times over in New Hampshire’s communities.

"What are your losses?" "Zero." George McCarthy of the Ford Foundation explains why Ford invests in the Community Loan Fund.

Here’s how it works: The money that people and institutions invest in us, combined with our own capital, creates the pool of funds from which we lend to create opportunity for decent housing, child care and jobs for families with low or moderate incomes.

Our borrowers are people and nonprofit organizations that won’t qualify for a bank loan, but that are responsible and motivated to achieve their goals, including repayment. We connect them with the specialized training and support they need to be successful.

Along with the satisfaction of knowing that your funds are helping people in your community, you receive annual fixed-rate interest on your investment in the Community Loan Fund. When making the investment, you choose a fixed simple annual interest rate – up to 5% for investments 10 years and longer, up to 4% for loans of seven to nine years, up to 3% for loans of five or six years, up to 2% for loans of three and four years, and up to 1% for one- and two-year loans.

Associated risks include:

  • Investments in the Community Loan Fund are unsecured.
  • Investments in the Community Loan Fund are not insured by the FDIC, nor by any governmental or private entity.
  • While the Community Loan Fund has not lost any lender's funds, past performance is no guarantee of future performance.
  • Investments in the Community Loan Fund cannot be redeemed before their due date and there is no known secondary market in which to sell or trade them before maturity.

Interest paid is reported to the IRS and will be taxed by state and federal governments.

We have a spotless record of 100% repayment to our investors since our founding in 1983. We take great care to maintain reserves to protect investors’ money. Investments in the Community Loan Fund are not insured by the government, nor are they tax-deductible charitable gifts.

It’s easy to invest in the Community Loan Fund. Please email or call Debby Miller at 224-6669, ext. 289 for more information.

Near the end of your investment’s term, we will contact you with the opportunity to be repaid or to reinvest with the Community Loan Fund. If you choose to reinvest, you will again select your term and interest rate.

An investment in the New Hampshire Community Loan Fund does not constitute an offer to sell, or a solicitation of offers to purchase, debt securities in those states where the registration of such debt securities is required by state securities law. Please contact us for more information.

Why individuals invest in the Community Loan Fund
Why religious organizations invest in the Community Loan Fund
Why foundations invest in the Community Loan Fund
Why financial institutions invest in the Community Loan Fund

Member, The Forum for Sustainable and Responsible Investment