Community First Fund (CFF) is a federally certified and Pennsylvania accredited community
development financial institution targeting its resources and activities in economically distressed
communities of central Pennsylvania so as to encourage economic development and business growth.
CFF provides one-on-one business counseling and technical assistance, business training
courses and seminars, and six types of loans further described. Small Business' loans (typically
defined as microenterprise loans) up to $35,000 are made for starting new businesses or expanding
existing businesses. Loan uses vary but may include equipment purchases, site improvements,
working capital, inventory and/or expansion costs. Mid-sized Business' loans range from $35,000 to
$500,000 and are typically for businesses at least two years old that have increased capital needs
related to their growth.
CFF Affordable Housing' loans are made to for- and non-profit
developers to rehabilitate housing for rental or resale. Community-based' loans are for non-profit
organizations to develop and support community-based programs. Commercial Mortgage' loans up to
$500,000 are made for the purchase, construct or refinance commercial properties used for
investment, retail or wholesale operations, light manufacturing, storage, etc. CFF also disburses
SBA 7-A guaranteed loans ranging from $50,000 to $300,000.