LENDING

 

FCI provides financing to nonprofits, cooperatives and, in rare circumstances, for-profit businesses for community-based, mission-focused projects addressing the root causes of racial disparities and socioeconomic inequities. Our loans contribute to a stronger, more equitable Wisconsin by supporting high-impact projects and programs that expand affordable housing, economic development and human services. Placing a high value on the social impact of an organization or project, FCI makes loans that could not be made by traditional lenders.

 

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Favorable, flexible terms for long-term benefits

• We offer loans up to $1 million or more through loan participations.

• We finance construction, real estate acquisition, facility renovations, predevelopment costs, equipment and working capital.

• Flexible terms that include:

  • Financing up to 95% of total project costs

  • Amortization periods as long as 30+ years

  • Below-market interest rates set for the life of the credit facility.

• Other opportunities for flexibility show up in our ability to make subordinate loans, bridge loans for capital campaigns and lines of credit.

 

Local and place-making

• We are local, serving all of Wisconsin, either directly or through our various long-term partners. Being local means that we operate with a high degree of curiosity and collaboration. Our local perspective and relationship informs our work and helps us make solid, informed decisions