At a glance
From its website, read 2 Nov 2026Baltimore Community Lending, Inc. is a loan fund based in Baltimore, Maryland. Its website describes commercial real estate loans, affordable housing development loans and small-business loans. Stated loan amounts run from $10,000 to $150,000. Business loan rates stated on its site range from 6% to 9.5%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.bclending.org |
| Office (official list) | 301 N Calvert St, Baltimore, MD 21202 |
What their website says about applying
All businesses must submit a business plan and business financials, including tax returns and bank statements.
sourceEach business owner and guarantor must provide personal financials as well.
sourceAn advance appointment with a BCL Loan Officer is highly recommended to all loan applicants.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Commercial real estate loans | Rate: from 6% | WSJ Prime plus 200 basis points (2%) 6% floor. Floating, interest-only. | source |
| Small-business loans | Rate: 7.5%–9.5% | Interest rates range from 7.5% – 9.5% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Business plan required
All businesses must submit a business plan and business financials, including tax returns and bank statements.
source - Collateral required
First lien position on all property acquired or rehabbed with this product
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 301 N Calvert St, Baltimore, MD 21202 Directions (Google Maps) |
| Website | www.bclending.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages were fetched, but no state or language coverage is stated explicitly. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Tailored financing solutions for property purchases, refinancing, and renovations | source |
| Affordable housing development loans | — | this flexible program typically serves during the planning stage on the redevelopment of rental or homeownership housing for low- to moderate income families | source |
| Small-business loans | — | Access tailored lending solutions designed specifically for startups and established businesses. | source |
Loan sizes
Range used for the size filter: $10,000 to $150,000
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
Our loans help low-income, low-wealth, and other disinvested people and communities join the economic mainstream.
source - Nonprofits
We provide loans to both non-profit and for-profit real estate developers who:
source - Startups
Access tailored lending solutions designed specifically for startups and established businesses.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Get A Small Business Loan
source
Pages read (7)
- https://bclending.org/
- https://bclending.org/small-business-loan/
- https://bclending.org/real-estate-development-loan/
- https://bclending.org/baltimore-community-lending-and-harford-bank-partner-to-expand-access-to-capital-in-harford-county/
- https://bclending.org/products/commercial-real-estate/commercial-loan/
- https://bclending.org/products/commercial-real-estate/guidance-line-of-credit/
- https://bclending.org/products/commercial-real-estate/predevelopment-loan-program/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9.8 million in 6 awards from the U.S. Treasury's CDFI Fund, 2009–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Program, Financial Assistance | $717,900 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $887,500 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2009 | CDFI Program, Technical Assistance | $99,664 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $37.3M |
|---|---|
| Total liabilities | $20.1M |
| Net assets | $17.2M |
| Total revenue | $4.9M |
| Notes and loans receivable, net (Part X line 7) | $25.7M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 52-1632468, filed as “BALTIMORE COMMUNITY LENDING INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2022 (990) | $32.5M | $16.3M | $5M | $18.4M |
| Jun 2023 (990) | $37.3M | $17.2M | $4.9M | $25.7M |
Total assets grew 15% from Jun 2022 to Jun 2023; notes and loans receivable rose 39%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 0 → 4 | Rank among the 3 certified CDFIs in Maryland with SBA approvals in either period: 3 → 2. |
| Largest loan its website states | $150,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 28% of these 184. |
| Total assets, latest IRS Form 990 | $37.3M | Larger than 56% of the 9 other certified loan funds and venture funds in Maryland with a matched Form 990 (median $17.7M). |
| Business loan rate its website stated (2 Nov 2026) | 6.00% to 9.50% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 1 pts below prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Maryland with SBA approvals FY2023–2026 | 2 | rank 3 → 2 of 3 |
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 28% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Maryland | 9 | larger than 56% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Commercial real estate loans (this lender states from 6.00%): Neighborhood Impact Investment Fund, Inc. from 5.00% (2 mi, read 2 Nov 2026)
- Small-business loans (this lender states from 7.50%): Neighborhood Impact Investment Fund, Inc. from 5.00% (2 mi, read 2 Nov 2026); Baba's Cooking School LLC dba EatsPlace from 6.00% (34 mi, read 2 Nov 2026); Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development Center from 6.50% (35 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 4 SBA-backed approvals for Baltimore Community Lending, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 4 7(a) loans as the lender: $1.2M in total (gross amount approved), median $350,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 2 · FY2026 2.
By program
- 7(a) standard (4, 100%)
How this lender was matched in the SBA files: SBA lender ID 0531829: same name, state and city (SBA lists “Baltimore Community Lending, Inc.”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Baltimore Community Lending, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Baltimore and Maryland
- Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Harbor Bank of Maryland Community Development CorporationLoan fund · Baltimore, MDEquity / venture investmentVerified
- HARBOR BANKSHARES CORPORATIONBank holding company · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECUCredit union · Baltimore, MDOfficial list only
- Neighborhood Housing Services of Baltimore, Inc.Loan fund · Baltimore, MDHome repair / improvement loans, Home mortgagesVerified
- Neighborhood Impact Investment Fund, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Small-business loansVerified
- New American Community Lending CorporationLoan fund · Baltimore, MDOfficial list only
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