CDCLF uses its various loan programs to benefit low-income, disadvantaged or special needs communities and individuals:
- Affordable housing loans up to $350,000 are used for rental, lease purchase, homeownership, and transitional or single room occupancy projects.
- Community facility loans up to $350,000 are used by nonprofit groups to expand their space and programs.
- Nonprofit loans up to $350,000 for bridge, start-up, expansion or cash flow needs.
- For-profit loans are available to small businesses run by women, minorities, and low-income individuals. Start-up loans are available up to $10,000, and loans up to $35,000 are available for existing businesses.
- Energy efficiency loans finance environmentally beneficial improvements.
- Training and Technical Assistance: CDCLF provides technical assistance in financial matters and is a referral resource for microenterprises and nonprofits, including groups developing housing and community facilities. In partnership with the College of Saint Rose and the Legal Project, CDCLF co-sponsors 8-week business plan courses and legal clinics, respectively, throughout the year.
- Outreach and Public Education: CDCLF actively reaches out to potential borrowers and investors through a series of presentations, articles, site visits, and local networks.
Investments by individuals, as well as institutions such as Calvert Foundation, provide the lending capital to CDCLF.