NeighborWorks Capital’s mission is to support the high-impact community development projects and growth opportunities of every member of the NeighborWorks America network. We do that by providing flexible, responsive, and affordable financing solutions for all types and stages of residential and commercial real estate development AND business expansion; capital for specific projects AND for the whole enterprise.

To serve the breadth of NeighborWorks affiliates well, we have an experienced team of lenders and portfolio managers ready to respond to your project challenges, from the earliest planning for new development to long-term financing for the preservation of affordable homes to capital to support a new business opportunity. Our flexibility comes from our long-term experience lending to the NeighborWorks network, the creativity of our team, Board members and staff, and from the capital we use to make our loans. Our financing solutions don’t have to fit tightly into narrow boxes; we want to craft a solution that fits you and your needs.

We put the same energy and effort into every loan request – no matter the size of the project or loan amount. Our flexible capital sources allow us to offer loans from $250,000 up to $10 million (depending on the purpose, of course), with fixed or floating interest rates with terms from 12 months to 18 years.

The NeighborWorks Capital lending team works with each borrower to provide custom terms to suit the needs of your project. As a CDFI, NeighborWorks Capital typically can offer higher loan-to-value and lower debt coverage ratios than many lenders of affordable housing, and we can make loans that other lenders simply cannot, like unsecured term loans for predevelopment costs up to $500,000, or subordinate financing to fill financing gaps in large multifamily acquisitions! Check out our financing solutions!

Our Financing Solutions

Competitively priced, fixed-rate loan capital with flexible terms.

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Acquisition

To purchase vacant sites or operating properties that you will transform into high-impact community treasures
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Construction

Covering the costs of building from the ground up or when you're doing a major rehabilitation.
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Permanent

Longer-term fixed rate loans to assist with buying new properties or refinancing your portfolio.
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Predevelopment

Short-term, unsecured loans to get your development from the drawing board to groundbreaking.
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Line Of Credit

Flexible and responsive acquisition and construction financing to make your development pipeline move faster without breaking the bank
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Enterprise Capital

Working capital loans to invest in new business opportunities to expand your reach and your impact.
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Solution Matrix

Rental For Sale Commercial Organization
Acquisition
Construction
Predevelopment
Permanent
Enterprise Growth
Line of Credit

In The News

Loan Closer

The Loan Closer oversees the loan closing and funding process for a wide range of commercial real estate loan types, including predevelopment, property acquisition, construction, permanent, and enterprise loans.

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Resilience and Flexibility in the Face of Unexpected Challenges

Affordable Homes of South Texas, Inc. (AHSTI) started as a grassroots effort by local businesses to improve the condition of homes in the area and provide affordable mortgages to residents. Over the years, AHSTI has grown to include financial education, homebuyer development, new construction, and subdivision development.

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Portfolio Analyst

The Portfolio Analyst will be a member of the NeighborWorks Capital Portfolio Management and Finance teams and is responsible for loan administration, support for ongoing portfolio management including loan analysis, loan funding, and project monitoring, and assisting with improvement to systems.

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Chief of Consulting

The Chief of Consulting (CC) is a member of the senior management team and has overall responsibility for the startup and buildout of a consulting business focused on the affordable housing and community development industry. The CC will need to be an entrepreneur at heart but also be able to work as part of a team. The CC is a critical strategic partner for the Chief Executive Officer (CEO) and will report directly to the CEO.

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