Loan Fund

Improved Funding for Small Businesses

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UBCD brings the powerful benefits of New Markets Tax Credits financing to projects that are often too small for to access traditional NMTC projects. UBCD loan fund benefits can include low rates, seven-year terms, interest-only payments, and higher loan-to-value options.

How NMTC Loans Work

UBCD secures private capital investments to small businesses and community organizations to help them grow, expand, and improve cash flow.

Our NMTC loans are designed to:

• Support business expansion and job creation
• Strengthen operating cash flow
• Offer flexible, affordable financing options

Loan Details

• Typical loan sizes: $100,000 to $4,000,000
• Incentive: Up to 25% of funds at zero interest as an economic development benefit
• Example terms: 7 years with interest-only payments
• The goal: Catalytic funding accessibility to small businesses and community organizations without excess project costs

Eligibility

Projects must be located in designated low-income communities (LICs) and meet basic income, property, and service criteria.

Eligible borrowers include:

• Small businesses and manufacturers expanding or improving operations
• Grocery stores and retail businesses operating in low-income areas
• Developers of industrial, commercial, or mixed-use real estate
• Community facilities such as healthcare centers or nonprofit spaces
• Housing developers rehabilitating homes for sale in LICs