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New Hampshire Community Loan Fund | Neighbors Investing in Neighbors

Neighbors Investing in Neighbors

We provide people and communities with loans, coaching, and guidance that enable them to become economically secure.

Our Impact
Group in a cattle pen
Group holding we own it
Tony Rose Still 8
Coosbrewing impactstory colinworking 2 25 NHCLF
Quick Links
List of Resident-owned Communities
Training for Resident-owned Communities
Microloans for Small Businesses and Nonprofits
Make a Mortgage Payment

Our 2025 Annual Report

Inside our 2025 impact report, you’ll find stories that highlight why our neighbors-investing-in-neighbors philosophy is so effective. From helping working families purchase affordable manufactured homes to strengthening small businesses and family farms, we’ve invested more than $518 million since 1983 to support the resilience and growth of people and communities.  

2025 IMPACT REPORT
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Focus Areas

From helping you purchase a manufactured home, to strengthening small businesses and nonprofits, and supporting entire towns as they work to secure financing, our services support the security and growth of people and communities.

Who We Serve

Measurable Results

We affect lives across the state. If you live in New Hampshire, it’s 99.9% likely that you live within 10 miles of a Community Loan Fund borrower.

Personal Impact

Our impact stories go beyond the numbers and introduce you to some of the people we have had the honor to work alongside.

Apparel Impact Joe Whitten 1 9 2026
Small Businesses
Apparel Impact: Top Textile Recycler Does Well by Doing Good

Where are they now? This series of impact stories spotlights Community Loan Fund borrowers who have found long-term success, like Joe Whitten, CEO of Apparel Impact, a textile recycling company in Hooksett, N.H.

Read More
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Small Businesses, Local Food
Tellman Hill Farm: Transforming a Historic Whitefield Farm into a Destination Apple Orchard

Red and green apples were stacked in crates, gluten-free cider donuts were cooking in the kitchen, and the slushy machine was churning frozen cider by the cash register. Kids and other customers set their sights on what was ripe this classic fall day at Tellman Hill Farm in Whitefield, N.H. where 1,100 trees produce more than 50 varieties of apples. 

Read More
IronWheel_ROCNH_communityribboncutting_9-19-26
Becoming a Resident-Owned Community
Iron Wheel Homeowners Secure Their Future as New Hampshire’s 155th Resident-Owned Community

On a sunny day this fall, homeowners at Iron Wheel Cooperative celebrated in style after several months of hard work to become New Hampshire’s 155th resident-owned community.

Read More
Beefys Own Eliseand Ethan Bender II 8 2026
Small Businesses, Local Food
Beefy’s Own: Family-Run Business Creates New Market for Old-School Snacking

With the support of “neighbors-investing-in-neighbors” through the New Hampshire Community Loan Fund, the Bender family now has access to the funding they need to unlock a new phase of growth for their potato chip manufacturing business.

Read More
Albany Acres ribboncutting 6 14 26 RS
Becoming a Resident-Owned Community
Homeowners in Albany Acres Cooperative Start New Chapter as Resident-Owned Community

Elissa Smith has lived in Albany Acres for more than 30 years, watching kids grow up and go on to raise their own children in the same community. She loves the way the air smells in her neighborhood, which is just across the street from the edge of the White Mountain National Forest in Albany, N.H., with a view of Mount Chocorua.

Read More
All Stories
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Why Invest

When you invest with us, you have the opportunity to receive a combination of financial and social returns — wins for both you and the community.

We've always been guided by relationships and faith in regular people. Seventy-seven percent of our investors are individuals and we have a 100% investor repayment record. In addition to an established record of supporting entrepreneurs, we invest in local renewable energy aimed at empowering homeowners and businesses to be self-reliant.

Founders of the ROC (resident-owned community) model, we are recognized nationally as innovators in the preservation and financing of affordable manufactured homes.

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Service Areas

Our neighbors-investing-in-neighbors model is aimed at building stronger, resilient, and more self-reliant communities, improving the lives of people throughout New Hampshire, and serving as a model across the U.S.

Who We Serve

They give you way more than just a loan. They coach you. It was a relief to have someone to talk to about the business.

Ahmad AissaOwner, Aissa Sweets
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Ahmad aissa

With the Community Loan Fund, the work is so vital, and the payoff is happening every day. That’s what impact is.

Joe KeefeImpax Asset Management
KTL1246

The partnership with NH Community Loan Fund has been amazing and contributed to our goal of making food accessible in communities.

Mukhtar IdhowExecutive Director of the Organization for Refugee and Immigrant Success (ORIS), which oversees borrower Fresh Start Farms
Read More
Fresh Start Farms Headshot

I immediately thought you were different. When we talked it was about: What does your business need? I got a sense that there was a partnership beyond just a financial partnership.

Gail SomersOwner of Yahso Jamaican Grille, Keene
33 A6488

If the New Hampshire Community Loan Fund  had not made this happen, Keene would not have an entire section of its beautiful city rehabilitated.

Bob ElliottFormer staff, Monadnock Economic Development Corporation

The Community Loan Fund brings a sense of possibility and abundance to a part of the population that grew up with a sense of scarcity. We look at what people have, not at what they don’t have. We adapt ourselves to what people can do.

Julie EadesNew Hampshire Community Loan Fund, Founding President
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Stay Up to Date

Subscribe to our newsletter to get regular updates on projects, impact, and our latest insights.

Affordable homes
Affordable Homes

Loans and support for manufactured-home buyers, homeowners who want to refinance or make home improvements, and developers building multi-family housing.

Rocs
Resident-owned Communities

Loans, coaching, and advice for manufactured-home owners whose park is for sale or who already live in a resident-owned community (ROC).

Small nonprofit
Small Businesses & Nonprofits

Customized loans to strengthen and expand local businesses and nonprofits, including farm and food producers and childcare centers.

Towns manicipalities
Small Towns & Municipalities

Assisting towns and municipalities in planning for economic development by securing funding and implementing projects per funder rules and regulations.

11K+

Affordable homes saved or preserved across the state

1,400+

BORROWERS WHO ARE FIRST-TIME HOMEOWNERS

5,102

JOBS CREATED OR PRESERVED

4,175

CHILDCARE SPACES CREATED OR PRESERVED

Home Loans
Manufactured-home Loans

Fixed-rate residential mortgages to help you purchase a manufactured home, refinance your current mortgage, or make repairs or improvements.

Learn More
ROC Support
Resident-owned Community Support

Loans, coaching, and advice for resident cooperatives to help you hold onto your manufactured homes in a supportive community.

Learn More
Small Business Loans
Small Business and Nonprofit Loans

Flexible funding to help you expand or improve your business or nonprofit paired with repayment coaching and advice.

Learn More
Grantwriting
Community Grant Support

Helping communities secure grant funding for transformative local projects.

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Buy your park
Manufactured-home Owners: Buy Your Park

Loans, coaching, and advice to help manufactured-home owners set up a cooperative to buy and manage your park.

Learn More
Housing Development Loans
Affordable Housing Development Loans

Pre-development loans for assessing development opportunities, bridge financing to assist in property acquisition, and project financing.

Learn More
Clean Energy
Energy Solutions

Innovative solutions, loans, and advising to help ROCs, small businesses, and nonprofits address energy efficiency, costs, and resilience.

Learn More

News & Insights

The latest on affordable housing, community lending and investing, our impact, and other stories about the inspirational people we work with in New Hampshire.

C DEE Award Ceremony awardees 5 19 26
Press Release
Local Business Owners Ready to Grow with Grant Funding

The New Hampshire Community Loan Fund has awarded $330,000 in funding to 115 small business owners since 2023.

N.H. Community Loan Fund   5/21/2026Read More
Cotton Farm Village Cooperative ribboncutting photocourtesy NHCLF 6 14 25
The Clock is Ticking: Manufactured-Home Owners vs. Big Business

Imagine receiving notice that the land underneath your home will be sold in just 60 days. It’s a situation that many manufactured-home owners face as out-of-state investors seek to take ownership and control of New Hampshire’s manufactured-home communities, eliminating the last affordable path to homeownership for many of our neighbors. 

N.H. Community Loan Fund   4/27/2026
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New Hampshire Homeowner Featured in CDFI Coalition Report

A Community Loan Fund borrower from Keene, N.H. was recently featured in the 2026 CDFI Progress Report from the CDFI Coalition.

N.H. Community Loan Fund   3/31/2026
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News
Exeter TV: New Energy Solutions for Town's Manufactured-Home Owners

Exeter TV recently put a spotlight on an energy solutions program for the Community Loan Fund's resident-owned communities in Exeter.

N.H. Community Loan Fund   3/23/2026
Invest in Your Community

Get the details on how to become an impact investor and put your funds to good use helping your neighbors and your community.

Invest
Donate to Our Mission

Donate today. Together, we can help your neighbors achieve their dreams of owning their own home or growing their business. 

Donate