Civic Communities Lending

Civic Communities offers tailored capital programs to non-profits, businesses, projects, and community facilities that may not have access to traditional financing. Our objective is to provide financing to projects or businesses in low-income neighborhoods, projects that support low-income residents, and projects that provide affordable housing and/or community facilities.

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Capital Solutions

Civic's Community Impact loans are targeted towards real estate development or community projects that provide community benefits such as housing, health clinics or youth facilities. The loans typically range from $50,000 to $1 million with market interest rates and flexible terms and underwriting for businesses and nonprofits that can't qualify for standard bank financing. The Civic Communities “Building Business Success Program” focuses on building the capacity of small businesses to competitively bid on procurement opportunities with public, private, and government institutions in San Diego County. The program provides working capital business loans to Minority Owned Businesses (MBEs) and Disadvantaged Businesses (DBEs) with flexible underwriting terms that are sensitive to the limited net-worth, collateral, and credit histories generally prevalent among MBEs/DBEs.