How to Apply

Borrow

The loan process begins when you submit an application. Before submitting an application, please contact us. We will provide you with a loan application and guidance along the way to make the process as smooth as possible.

The Application is the First Step

The first thing you will need to do is submit an application Once you submit the application, we will quickly confirm your eligibility and how to proceed.

Download the loan application.

Additional Information for all Loans

Once we have confirmed your eligability you will be asked to provide quite a bit of additional information. This may seem like a lot of work but you should already have most of the things we require. We do not want you to provide us with anything extraordinary or custom-made for this application. Our goal is to make this as easy as possible but also get the information we need to conduct our loan analysis.

1. Organizational Description

Brief history, mission and purpose of organization
Most recent annual report (if available); brochures or marketing information regarding your organization
Resumes for key management/staff
List of Board of Directors and officers including names, occupations, affiliations and addresses (if available)

2. Organizational Subsidiaries and affiliates (if applicable)

List of all subsidiaries and affiliates including description of relationship

3. Organizational Documents

Articles of Incorporation
By-laws
IRS Determination Letter

4. Financial Information

Income tax statements (Form 990) for the most recent year-ending
Audited financials for the last three years (if not available, Form 990s for last three years)
Last three months financial statements including balance sheet and profit and loss statement
List of the organization's three primary confirmed [funding] sources of income including description, contact person, amount and period covered
List of outstanding loans including name of creditor, reason for loan, original balance, current balance, monthly payment, interest, origination date, maturity date, collateral used for loan, status (current or past due)
Outstanding tax liabilities and/or judgments
Three-year budget

Real Estate Projects

For project involving real estate including buying, building, rehabbing or leasehold improvements we require the following information:

1. Project

If available, provide additional information about the proposed project including a business plan, project schedule highlighting important milestones and estimated date of completion.

2. Facilities Information

Copy of signed offer to purchase (if applicable)
Copy of appraisal (if available)
Three-year pro forma operating statement for the building purchase
Property inspection report (if available)
Phase 1/Phase 2 environmental report (if available)

3. Development Team

Identify the key individuals involved in developing this project including staff, board and technical assistance providers. When outside assistance is used, please include addresses and phone numbers of those providing services.