How CRF Provides Capital

CRF purchases economic development and affordable housing loans from our community development partners. There are several approaches or capital channels for the loan products we offer. Our loan products (Business Purpose, New Markets Tax Credit, Housing and Loans to Lenders) can be structured any of the following ways:

Advanced Commitment - You and CRF agree in advance on the terms of loans to be purchased. Then CRF buys some or all of each loan as it is originated. This can be done on a programmatic basis or for a single loan.
Learn more about Advanced Commitment loans

Existing Loan Purchase - CRF buys existing, seasoned loans from the lender. If you wish, your sales can be timed to meet cash demands. Usually, your organization transfers risk to CRF and gets cash, without recourse.
Learn more about Existing Loan Purchases

Structured Finance - CRF advances cash against your loan portfolio, based on the portfolio's market value. Your portfolio will be securitized, but your organization will hold residual interest.
Learn more about Structured Finance Loans

Lending Partner Loans - CRF provides a loan to the community development lender, with the lender’s loan pool and corresponding cash flow determining the amount of cash advanced and the repayment schedule.
Learn more about Loans to Lenders