Northern California Community Loan Fund

NCCLF is a nonprofit organization committed to California’s low-income communities. For more than 30 years, they have partnered with socially conscious impact investors and mission-driven organizations to support low-income communities’ need for housing, education, healthcare, food, jobs and economic opportunity. NCCLF provides loans and working capital as well as consulting and technical assistance so that mission-driven organizations can achieve their vision of financially secure and culturally vibrant communities. By investing in NCCLF’s loan fund, impact investors achieve their vision of realizing financial returns while funding social good. By bringing together investors, community organizations, and NCCLF’s expertise, they invest in opportunity, together. 

NCCLF is the administrator of California FreshWorks, which supports enterprises that increase healthy food access in California's low-income, low-access communities, through a combination of financing, investment, technical assistance and targeted human capital.   

HFFI Projects and Impacts

  • NCCLF recently closed $3.4MM in financing for People's Community Market, to construct a 14,174 square foot grocery store in West Oakland
  • Create (60) new jobs, at least 75% of which will be filled by low-income local residents

Source of money: HFFI CDFI-Financial Assistance Program; Fiscal Year(s): 2016, 2017
Fiscal Year 2016, $3MM, Fiscal Year 2017, $2MM