Loans and education create opportunity and transform lives

Mom and kids walking through Pepperidge Woods, a resident-owned community

The New Hampshire Community Loan Fund looks for places in the Granite State’s economy where the right type of financing—combined with the right type of education, training, or technical assistance—can open doors of opportunity for people with low and moderate incomes.

Our loans and investments are drawn from a pool comprising Opportunity NH Investments and donations to the Permanent Capital Fund.

We provide financing in three sectors of N.H.’s economy: Affordable housing, community facilities, and business finance.

Affordable housing

ROC-NH™ helps homeowners in manufactured-home parks buy and cooperatively manage their communities. Financing, along with training and technical assistance, helps homeowners create stability, enhance the value of their homes, develop leadership, and improve their resident-owned communities (ROCs).

Homeowners in (or buying a home in) resident-owned communities, or on their own land, can get fixed-rate purchase, refinance, cash-out refinance, and home equity loans through our award-winning Welcome Home Loans.

We fill critical gaps in the complex system by which multi-family affordable housing is financed and offer technical assistance to nonprofit housing developers across New Hampshire.

Business finance

Vested for Growth investments, for high-growth, high-margin businesses, help fill the financing gap between banks and venture capital firms.

Business Builder connects business owners with the financing and expertise they need to succeed in a changing marketplace. Our Farm Food Initiative helps businesses throughout the food chain become more resilient and meet the growing demand for locally produced food.

Community facilities

New Hampshire’s network of nonprofits provides essential, locally based services. We offer timely, flexible financing to help them purchase or upgrade their facilities to better serve community needs.

We loan to center- and home-based providers of child care and early education to help them buy or upgrade facilities to meet the needs of the children, families and communities they serve. We also offer training and support on the Business of Child Care.

ROC-NH™ is a program of the New Hampshire Community Loan Fund, Inc. and a ROC USA® Certified Technical Assistance Provider. ROC-NH is a registered service mark of ROC USA, LLC.