At a glance
From its website, read 2 Nov 2026Nectar Community Investments, Inc. is a loan fund based in Lawrence, Massachusetts. Its website describes energy-efficiency loans, equipment loans, equity investment and 2 other loan types. Stated loan amounts run from $3,000 to $500,000. Where it lends: Massachusetts and Rhode Island. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.nectarinvests.org |
|---|---|
| Office (official list) | 50 Island Street, Suite 103, Lawrence, MA 01840 |
What their website says about applying
Contact the Nectar Residential Team to learn more.
sourceplease don’t hesitate to contact us
sourceContact the Nectar Small Business Team to learn more.
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 |
|---|---|---|---|
| Energy / solar / efficiency loans | Term: see their wording | Up to 20-year terms | source |
| Home repair / improvement loans | Term: see their wording | Affordable rates with 15-year terms | source |
| Small-business loans | Term: up to 5 yr | Terms: Up to 5 years | source |
| Small-business loans | Term: 12 mo–7 yr | Terms: 1 to 7 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
- Income limit applies
MassHousing income limits apply
source - Collateral required
Secured by a second mortgage
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) | 13 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 50 Island Street, Suite 103, Lawrence, MA 01840 Directions (Google Maps) |
| Website | www.nectarinvests.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: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Energy / solar / efficiency loans | $10,000 – $100,000 | Loan amount between $10,000 – $100,000 | source |
| Equipment loans | — | we provide working capital and equipment financing to small businesses that work in the sustainability and green energy fields. | source |
| Equity / venture investment | — | We offer reasonably priced, flexible debt and equity products | source |
| Home repair / improvement loans | up to $50,000 | Amounts up to $50,000 | source |
| Small-business loans | $3,000 – $500,000 | Amount: $3,000-$500,000 | source |
Loan sizes
Loan amount between $10,000 – $100,000
sourceAmounts up to $50,000
sourceAmount: $3,000-$500,000
sourceLoans up to $500,000
source
Range used for the size filter: $3,000 to $500,000
Service area
Massachusetts and Rhode Island
Loans for startups and expanding businesses throughout Massachusetts and Rhode Island.
source
Statewide: Massachusetts, Rhode Island
Borrower focus
- Startups
Loans for startups and expanding businesses throughout Massachusetts and Rhode Island.
source
Languages
- Spanish
Our lending officers are here to help in both English and Spanish.
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://nectarinvests.org/
- https://nectarinvests.org/residential/energy-saver-loan-program/
- http://nectarinvests.org/small-business/financing/
- https://nectarinvests.org/small-business/financing/
- https://nectarinvests.org/residential/home-improvement-loans/
- https://nectarinvests.org/small-business/financing/clean-economy-fund/
- https://nectarinvests.org/small-business/financing/small-business-loans/
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 energy-efficiency loans and home repair loans?
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 equipment loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - 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$6.3 million in 11 awards from the U.S. Treasury's CDFI Fund, 2001–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2022 | CDFI Program, Financial Assistance | $560,000 |
| 2021 | CDFI Program, Financial Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $275,000 |
| 2017 | CDFI Program, Financial Assistance | $350,000 |
| 2016 | CDFI Program, Financial Assistance | $700,000 |
| 2014 | CDFI Program, Financial Assistance | $306,000 |
| 2011 | CDFI Program, Financial Assistance | $600,000 |
| 2001 | CDFI Program, Technical Assistance | $43,600 |
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 | $20M |
|---|---|
| Total liabilities | $10.7M |
| Net assets | $9.3M |
| Total revenue | $6.6M |
| Notes and loans receivable, net (Part X line 7) | $7.5M |
| Program-related investments (Part X line 13) | $1.7M |
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 04-3571892, filed as “NECTAR COMMUNITY INVESTMENTS 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) | $8.3M | $3.3M | $3.5M | $4.5M |
| Dec 2022 (990) | $14.5M | $8M | $8.2M | $6M |
| Dec 2023 (990) | $20M | $9.3M | $6.6M | $7.5M |
Total assets grew 140% from Dec 2021 to Dec 2023; notes and loans receivable rose 69%. 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 | $500,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 63% of these 184. |
| Total assets, latest IRS Form 990 | $20M | Larger than 47% of the 17 other certified loan funds and venture funds in Massachusetts with a matched Form 990 (median $22.9M). |
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 63% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Massachusetts | 17 | larger than 47% |
“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 Lawrence and Massachusetts
- BOSTON IMPACT INITIATIVE FUND II LLCLoan fund · Jamaica Plain, MAEquity / venture investment, Small-business loansVerified
- BlueHub Loan Fund IncLoan fund · Boston, MAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Cape & Islands Community Development Inc.Loan fund · Centerville, MASBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Children's Investment Fund, Inc.Loan fund · Boston, MAChild-care facility financingVerified
- Community Development and Affordable Housing Fund, LLCLoan fund · Brookline, MAAffordable housing development loansVerified
- Community Health Center Capital Fund, Inc.Loan fund · Boston, MAEnergy / solar / efficiency loans, Equipment loans, Nonprofit / community facility loansVerified
Work at Nectar Community Investments, Inc.? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.