At a glance
From its website, read 2 Nov 2026Georgia Cities Foundation, Inc. is a loan fund based in Atlanta, Georgia. Its website describes commercial real estate loans. Stated loan amounts run up to $250,000. Where it lends: Georgia, with a strong focus on rural communities.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (404) 688-0472 source |
|---|---|
| Toll-free | (888) 488-4462 source |
| Website | www.georgiacitiesfoundation.org |
| Office (official list) | 201 Pryor St. SW, Atlanta, GA 30303 |
What their website says about applying
Our staff will gladly set up a time to discuss our loan programs with city leadership, staff, bankers, and developers.
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 |
|---|---|---|---|
| Loans (general) | Term: see their wording | Below-market interest rate, 10-year term, 15-year amortization | 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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 2 May 2014 |
| RSSD ID | — (none listed) |
| Address | 201 Pryor St. SW, Atlanta, GA 30303 Directions (Google Maps) |
| Website | www.georgiacitiesfoundation.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 2 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 terms come from one loan page, and the home page describes the loan program only briefly. 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 | up to $250,000 | Financing up to 40% of project costs, with a maximum loan of $250,000 | source |
Loan sizes
Financing up to 40% of project costs, with a maximum loan of $250,000
source
Range used for the size filter: not stated to $250,000
Service area
Georgia, with a strong focus on rural communities
The Georgia Cities Foundation Loan Program provides flexible gap financing to help downtown and community development projects succeed across Georgia, with a strong focus on rural communities.
source
Borrower focus
- Rural
The Georgia Cities Foundation Loan Program provides flexible gap financing to help downtown and community development projects succeed across Georgia, with a strong focus on rural communities.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
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.
- Is there a minimum loan amount?
Their website gives a maximum ($250,000) but no minimum. - What interest rate and fees should I expect on your commercial real estate loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application 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$3.3 million in 2 awards from the U.S. Treasury's CDFI Fund, 2016–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2016 | CDFI Program, Financial Assistance | $1,500,000 |
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 Dec 2023| Total assets | $18.2M |
|---|---|
| Total liabilities | $1.1M |
| Net assets | $17.1M |
| Total revenue | $812,530 |
| Notes and loans receivable, net (Part X line 7) | $11.1M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 58-2475939, filed as “GEORGIA CITIES FOUNDATION 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 |
|---|---|---|---|---|
| Dec 2021 (990) | $18.3M | $17.2M | $2.2M | $10.9M |
| Dec 2022 (990) | $17.8M | $16.7M | $329,522 | $10.5M |
| Dec 2023 (990) | $18.2M | $17.1M | $812,530 | $11.1M |
Total assets were about flat from Dec 2021 to Dec 2023; notes and loans receivable rose 1%. 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 |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $18.2M | Larger than 50% of the 8 other certified loan funds and venture funds in Georgia with a matched Form 990 (median $15.5M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Georgia | 8 | larger than 50% |
“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.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Atlanta and Georgia
- Citizens Trust BankBank or thrift · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Community Redevelopment Loan and Investment Fund, Inc.Loan fund · Atlanta, GAAffordable housing development loansVerified
- Credit Union of AtlantaCredit union · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- FCS Community Finance, Inc.Loan fund · Atlanta, GAHome mortgagesVerified
- Habitat Capital, LLCLoan fund · Atlanta, GAOfficial list only
Work at Georgia Cities Foundation, Inc.? Link to this page
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