Enterprise Community Loan Fund, Inc.

For more than 25 years, ECLF has strategically invested more than $1.7 billion in communities lacking access to traditional sources of capital. Funding from partners like you allows us to further our mission to deliver innovative financial products to mission-aligned organizations to acquire, develop and preserve quality affordable housing for low and moderate-income families, and to revitalize their communities by providing access to good jobs, schools, transportation and healthy living environments in the communities throughout the United States. 

Every dollar you invest leverages additional public and private funds, multiplying the impact that your capital creates. ECLF provides three opportunities for an investor to have social impact.

Enterprise Community Impact Note (Fixed Income Security) 
The Enterprise Community Impact Note is your unique opportunity to make a socially responsible investment that changes lives – all while earning a financial return. 

Direct Loans such as Term loans, Revolving Lines, EQ2s or Recoverable Grants
Alternatively, you may make a loan directly with ECLF that is negotiated and structured to meet both your and ECLF’s borrower’s needs. Your investment would make a social impact and may receive a financial return. Loans may be eligible for investment and/or lending credit for Community Reinvestment Act (CRA) purposes. 

Grants
Grants provide the deepest level of investment by providing a 5 to 1 multiplier effect for lending. ECLF does not utilize grants to cover the cost of its operations, grants are used to support lending opportunities. For the greatest leverage Enterprise will work with grant investors to structure an arrangement that will maximize their impact goals as well as further the mission of Enterprise. 

Supporters of ECLF 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. ECLF is a U.S. Treasury Department-certified Community Development Financial Institution (CDFI) with an investment grade AA- rating from S&P Global Ratings.  

For more information or to discuss debt or grant opportunities please contact Charlotte Crow at  ccrow@enterprisecommunity.org or 410.772.6006.

Investment Opportunities

Invest Term loan, Revolving Line, EQ(2), and Recoverable Grant Fixed Income Security
(Impact Note)
Minimum Investment $3 Million $25,000
Structure Negotiated Agreement Investment that is governed by a Prospectus
Type Term loan or Revolving Line of Credit, EQ2 or Recoverable Grant Fixed Income Security
Term Minimum of 3 years, longer terms preferred A variety of terms are available, see current terms
Interest Rate Fixed, negotiated Fixed, see current interest rates
Interest Payments Varies (Annually, Quarterly, Monthly or Weekly) Annually, may elect to capitalize interest
CRA Eligibility Yes     Yes    
Geographic or Programmatic Targeting Yes Targeting available for investments ≥ $1 million 
Reporting Audited and unaudited financials, other reporting as negotiated Audited and unaudited financials,  Impact Reporting