Impact, flexibility, safety
Why individuals invest in the New Hampshire Community Loan Fund
Social impact: Individuals see an investment in the Community Loan Fund as an efficient and meaningful way of helping New Hampshire families with low and moderate incomes attain housing, jobs and child care.
Your choice of terms: Investors can choose terms of one to 10-or-more years and a fixed-rate annual simple interest return of up to 5%. (Many investors choose rates below the maximum we offer.)
|1 or 2 years||3 or 4 years||5 or 6 years||7, 8 or 9 years||10 years +|
|Up to 1%||Up to 2%||Up to 3%||Up to 4%||Up to 5%|
* Rates for new investments or renewals are subject to change.
Not in all states: The program described above 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 consult our offering circular for details.
Risk: Opportunity NH Investments are unsecured. They 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 with the Community Loan Fund cannot be redeemed before their due date and there is no known market to sell or trade them before maturity. Interest paid is reported to the IRS and will be taxed by state and federal governments.
Benefit: Your funds are added to our lending pool. The risk is shared, and an investor’s funds will not be dedicated to any single project or sector. The Community Loan Fund has an unblemished record of repayment to investors—through good and bad economic times. Opportunity NH Investments are protected by our significant permanent capital and our excellent history of repayment from borrowers.
Trusted financial intermediary: The Community Loan Fund has received the highest national honor given in our field: the NEXT Award for Opportunity Finance. We have been rated multiple times by Aeris, the national rating service for community investing, which measures community impact and financial soundness.
Fixed-income investment class: Opportunity NH Investments are straightforward and uncorrelated to traditional fixed-income instruments. You will earn simple annual interest, regardless of the ups and downs of the bond market.
Your investment joins many others: We have hundreds of individual investors, from around New Hampshire and across the United States. Other investor categories include banks, foundations, religious organizations, governmental agencies, and nonprofit organizations.
Term of years: Your investment will have a fixed maturity date and can be rolled over or paid out upon maturity, at your discretion.
Next steps: Please review our offering circular, which includes important information about the Community Loan Fund, and about the risk factors associated with making an Opportunity NH Investment. To discuss how your financial institution can invest in the Community Loan Fund, or if you have questions, please contact our Director of Investor Relations, Ken Kunhardt.