At a glance
From its website, read 2 Nov 2026North Philadelphia Financial Partnership is a loan fund based in Philadelphia, Pennsylvania. Its website describes commercial real estate loans, credit-builder loans, microloans and 2 other loan types. Stated loan amounts run from $5,000 to $400,000. Business loan rates stated on its site range from 6% to 8%. It says it considers borrowers with low or no credit history. 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.npfp.org |
| Office (official list) | 1760 Market Street, Suite 400, Philadelphia, PA 19103 |
What their website says about applying
Complete your application form.
source3 years of business tax returns & financial documents (balance sheet, income statement (P&L), cash flow statement)
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 |
|---|---|---|---|
| Microloans | Rate: 6% | 6% interest rate | source |
| Microloans | Rate: 7% | 7% interest rate | source |
| Microloans | Rate: 8% | 8% interest rate | source |
| Microloans | Term: up to 2 yr | 24-month term | source |
| Microloans | Term: up to 3 yr | 36-month term | 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
Even if you’ve been declined by a bank in the past, you won’t be disqualified.
source - Business plan required
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) | 6 Aug 2026 |
| RSSD ID | — (none listed) |
| Address | 1760 Market Street, Suite 400, Philadelphia, PA 19103 Directions (Google Maps) |
| Website | www.npfp.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 |
|---|---|---|---|
| Commercial real estate loans | up to $400,000 | Up to $400,000 | source |
| Credit-builder loans | — | Our Credit Cure loans can help build or boost your credit score so you can look forward to more purchasing power and a stable financial future. | source |
| Microloans | — | To meet some of your company’s short-term financial needs, a small loan may be the perfect solution (microloan). | source |
| Personal / consumer loans | — | Personal Loans to Help You Thrive | source |
| Small-business loans | — | NPF’s small business loans can be used to purchase machinery, equipment, commercial vehicles and most other fixed assets. | source |
Loan sizes
Range used for the size filter: $5,000 to $400,000
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Request a Business Loan
source
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. - What is the APR, including fees, on your credit-builder loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - 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$1.9 million in 2 awards from the U.S. Treasury's CDFI Fund, 2021–2022 (CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,355,000 |
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 Jun 2023| Total assets | $8.1M |
|---|---|
| Total liabilities | $744,396 |
| Net assets | $7.4M |
| Total revenue | $1.4M |
| Notes and loans receivable, net (Part X line 7) | $2.2M |
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 23-2850840, filed as “NORTH PHILADELPHIA FINANCIAL PARTNERSHIP”), 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 2021 (990) | $6.5M | $6.4M | $1.2M | $2.4M |
| Jun 2022 (990) | $6.7M | $6.6M | $1.2M | $2.7M |
| Jun 2023 (990) | $8.1M | $7.4M | $1.4M | $2.2M |
Total assets grew 25% from Jun 2021 to Jun 2023; notes and loans receivable fell 9%. 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 | $400,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 61% of these 184. |
| Total assets, latest IRS Form 990 | $8.1M | Larger than 46% of the 24 other certified loan funds and venture funds in Pennsylvania with a matched Form 990 (median $8.7M). |
| Business loan rate its website stated (2 Nov 2026) | 6.00% to 8.00% | 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 |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 61% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Pennsylvania | 24 | larger than 46% |
“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).
- Microloans (this lender states from 6.00%): Cumberland Empowerment Zone Corporation from 5.00% (41 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. 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.
Other certified CDFIs in Philadelphia and Pennsylvania
- Asian BankBank or thrift · Philadelphia, PACommercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Asian Finanical CorporationBank holding company · Philadelphia, PACommercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- BEECH CAPITAL VENTURE CORPORATIONLoan fund · Philadelphia, PASmall-business loansVerified
- Economic Opportunities FundLoan fund · Philadelphia, PACommercial real estate loans, Credit-builder loans, Small-business loansVerified
- Enterprise Center Capital Corporation, TheLoan fund · Philadelphia, PAOfficial list only
- Entrepreneur Works FundLoan fund · Philadelphia, PAOfficial list only
- Impact Loan Fund, Inc.Loan fund · Philadelphia, PAOfficial list only
- Philadelphia Accelerator FundLoan fund · Philadelphia, PAAffordable housing development loansVerified
Work at North Philadelphia Financial Partnership? Link to this page
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