At a glance
From its website, read 2 Nov 2026MaineStream Finance is a loan fund based in Bangor, Maine. Its website describes home mortgages and small-business loans. Stated loan amounts run from $500 to $250,000. Where it lends: Maine, statewide. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (207) 973-3500 source |
|---|---|
| Main | (207) 973-3532 source |
| Website | www.mainestreamfinance.org |
| Office (official list) | P.O. Box 1162, Bangor, ME 04402 |
What their website says about applying
Take our quick Loan Readiness Survey
sourceOr fill out the Loan Readiness Survey below.
sourceA completed application and all support material:
sourceAll forms can be downloaded below.
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 |
|---|---|---|---|
| Home mortgages | Term: see their wording | with a 15-year fixed rate | source |
| Home mortgages | Term: see their wording | UP TO A 30-YEAR REPAYMENT PERIOD | source |
| Small-business loans | Term: up to 2 yr | Startup Express loan for up to $5,000 for 2 years | source |
| Small-business loans | Term: up to 20 yr | Up to 20 years | 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
- Low or damaged credit considered
NO MINIMUM CREDIT SCORE
source - First-time homebuyer program
Mortgage Loans for First-Time Buyers in Maine
source - Business plan required
A complete Business Plan:
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) | 8 Jan 2026 |
| RSSD ID | — (none listed) |
| Address | P.O. Box 1162, Bangor, ME 04402 |
| Website | www.mainestreamfinance.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 are thin, and the small business page includes COVID-era relief content. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | MaineStream Finance offers home loans for first-time buyers across Maine, even if your credit isn’t perfect. | source |
| Small-business loans | — | MaineStream Finance offers a variety of loan products throughout Maine to small businesses who may have trouble finding credit. | source |
Loan sizes
Minimum $500 – Up to $250,000
sourceMaineStream’s new Startup Express loan for up to $5,000 for 2 years
source
Range used for the size filter: $500 to $250,000
Service area
Maine, statewide
MaineStream Finance offers a variety of loan products throughout Maine to small businesses who may have trouble finding credit.
source
Statewide: Maine
Borrower focus
- Low- and moderate-income / underserved
we offer flexible loan options for low- and moderate-income residents.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.mainestreamfinance.org/
- https://www.mainestreamfinance.org/homeownership/maine-home-lending/
- https://www.mainestreamfinance.org/maine-small-business-relief-grants/
- https://www.mainestreamfinance.org/homeownership/maine-home-lending/manufactured-home-loans/
- https://www.mainestreamfinance.org/not-your-1970s-mobile-home-anymore-mainestream-launches-a-manufactured-home-loan-product/
- https://www.penquis.org/programs/categories/financial-wellness
- https://www.mainestreamfinance.org/business/business-lending/
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.
- What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - 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$4 million in 13 awards from the U.S. Treasury's CDFI Fund, 2001–2025 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2025 | CDFI Program, Technical Assistance | $150,000 |
| 2021 | CDFI Rapid Response Program | $1,105,000 |
| 2016 | CDFI Program, Financial Assistance | $500,000 |
| 2016 | Capital Magnet Fund | $50,000 |
| 2015 | CDFI Program, Financial Assistance | $250,000 |
| 2014 | CDFI Program, Financial Assistance | $250,000 |
| 2013 | CDFI Program, Financial Assistance | $600,000 |
| 2012 | CDFI Program, Financial Assistance | $600,000 |
| 2010 | CDFI Program, Technical Assistance | $50,000 |
| 2004 | CDFI Program, Financial Assistance | $58,856 |
| 2004 | CDFI Program, Technical Assistance | $31,350 |
| 2002 | CDFI Program, Financial Assistance | $300,000 |
| 2001 | CDFI Program, Technical Assistance | $100,000 |
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 Sep 2023| Total assets | $6.9M |
|---|---|
| Total liabilities | $4.2M |
| Net assets | $2.7M |
| Total revenue | $484,821 |
| Notes and loans receivable, net (Part X line 7) | $5M |
| Program-related investments (Part X line 13) | $145,000 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 01-0539222, filed as “MAINESTREAM FINANCE”), 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 |
|---|---|---|---|---|
| Sep 2021 (990) | $6.9M | $2M | $1.6M | $4.8M |
| Sep 2022 (990) | $6.7M | $2.8M | $1.4M | $4.6M |
| Sep 2023 (990) | $6.9M | $2.7M | $484,821 | $5M |
Total assets were about flat from Sep 2021 to Sep 2023; notes and loans receivable rose 5%. 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 | $6.9M | Larger than 0% of the 5 other certified loan funds and venture funds in Maine with a matched Form 990 (median $27.3M). |
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 Maine | 5 | larger than 0% |
“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 Bangor and Maine
- Acadia Federal Credit UnionCredit union · Fort Ken, MEAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- COMMUNITY CONCEPTS FINANCE CORPORATIONLoan fund · South Paris, MEMicroloans, Home mortgages, Small-business loansVerified
- Coastal Enterprises, Inc.Loan fund · Brunswick, MEAgriculture / farm loans, Child-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans…Verified
- Four Directions Development CorporationLoan fund · Orono, ME · Native CDFIHome repair / improvement loans, Affordable housing development loans, Home mortgages, Nonprofit / community facility loans…Verified
- Genesis Fund, Inc.Loan fund · Brunswick, MEAffordable housing development loans, Nonprofit / community facility loansVerified
- Northern Maine Development CommissionLoan fund · Caribou, MEMicroloans, Small-business loansVerified
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