When you support the Enterprise Community Loan Fund, Inc. (Loan Fund), you help to transform communities and create opportunity for individuals and families in need.

For more than 20 years, Loan Fund has strategically invested more than $1.25 billion in communities lacking access to traditional sources of capital. Loan Fund supporters help us deliver the critical financing needed to ensure that everyone has access to affordable homes connected to good schools, jobs, transit, and health care. Every dollar you invest leverages additional public and private funds, expanding the positive impact that your capital creates.

Supporters have two ways to make a social impact while also generating a financial return: purchase an Enterprise Community Impact Note or make a loan to Loan Fund.  Both options are eligible for investment or/and lending Community Reinvestment Act credit.

Which option is right for you?

  Purchase an Impact Note Make A Loan
Debt Investment Yes Yes, and EQ(2) Investments
Minimum Investment $5,000 $3 Million
Structure Security Prospectus Negotiated Loan Agreement
Type Term loan Term loan or Revolving Line of Credit
Term 1 - 10 years Minimum of 3 years
Interest Rate Fixed; .85 - 3.5 percent Fixed and variable options
Interest Payments Quarterly Quarterly
CRA Eligibility Investment credit Lending credit
Geographic or Programmatic Targeting Yes, for investments > $500,000 Yes
Reporting Annual Financial and Impact Quarterly and Annual Financial

Supporters of Loan Fund include philanthropic individuals as well as institutions such as foundations, religious organizations, nonprofits, insurance companies, and banks. Their support drives our efforts to end housing insecurity in the United States, while making it possible to create thriving communities linked to opportunities. Loan Fund is a U.S. Treasury Department-certified Community Development Financial Institution (CDFI) with a AA+ rating from Aeris (f/k/a CARS), an independent, industry-recognized assessor of CDFIs’ impact and financial strength.

The Enterprise Community Impact Note is offered by Enterprise Community Loan Fund, Inc., a nonprofit 501(c)(3) corporation. It is guaranteed by Enterprise Community Partners, Inc., a nonprofit 501(c)(3) corporation. The Enterprise Community Impact Note is not FDIC or SIPC insured and is only available in states where authorized. This is neither an offer to sell nor a solicitation of an offer to buy these securities. The offering is made only by the prospectus, which should be read before investing.

For more information about the Impact Note, contact Rachel Reilly Carroll, rrcarroll@enterprisecommunity.org, 410.884.8419.
To make a loan, contact Charlotte Crow, ccrow@enterprisecommunity.org, 410.772.6006.