At a glance
From its website, read 2 Nov 2026Rising Tide Community Loan Fund is a loan fund based in Bethlehem, Pennsylvania. Its website describes microloans and small-business loans. Where it lends: Carbon, Lehigh, Monroe, Northampton and Upper Bucks counties; Eastern PA. 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
| Main | (484) 893-1039 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.therisingtide.org |
| Office (official list) | 1337 E 5th St., Bethlehem, PA 18015 |
What their website says about applying
All the forms you need to apply for a Rising Tide Community Fund Loan are available online.
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 |
|---|---|---|---|
| Small-business loans | Term: up to 15 yr | The longest possible term is 15 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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | — (none listed) |
| Address | 1337 E 5th St., Bethlehem, PA 18015 Directions (Google Maps) |
| Website | www.therisingtide.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 6 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 |
|---|---|---|---|
| Microloans | up to $50,000 | Our microloans are available for up to $50,000 to help support small businesses with startup costs or expansion for existing businesses. | source |
| Small-business loans | up to $150,000 | The small business loan provides up to $150,000 to help existing small businesses with projects that require more funding than a microloan provides. | source |
Loan sizes
Service area
Carbon, Lehigh, Monroe, Northampton and Upper Bucks counties; Eastern PA
We support locally-owned businesses in the following counties:
source
Counties this matches: Carbon County, PA, Lehigh County, PA, Monroe County, PA, Northampton County, PA
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. All the forms you need to apply for a Rising Tide Community Fund Loan are available online.
source
Pages read (6)
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 are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your microloans and small-business 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. - 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 7 awards from the U.S. Treasury's CDFI Fund, 2002–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,000,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2016 | CDFI Program, Technical Assistance | $70,095 |
| 2010 | CDFI Program, Financial Assistance | $353,514 |
| 2006 | CDFI Program, Financial Assistance | $162,133 |
| 2004 | CDFI Program, Technical Assistance | $25,500 |
| 2002 | CDFI Program, Technical Assistance | $132,000 |
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 | $6.8M |
|---|---|
| Total liabilities | $4.3M |
| Net assets | $2.5M |
| Total revenue | $955,580 |
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 23-3079170, filed as “RISING TIDE COMMUNITY LOAN FUND”), 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 filing shows no amount on the notes-and-loans line; a loan fund can report its loans on other balance-sheet lines, so this is not a loan figure. 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 |
|---|---|---|---|
| Jun 2022 (990) | $5.9M | $2.4M | $8.8M |
| Jun 2023 (990) | $6.8M | $2.5M | $955,580 |
Total assets grew 14% from Jun 2022 to Jun 2023. 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 |
|---|---|---|
| Total assets, latest IRS Form 990 | $6.8M | Larger than 38% of the 24 other certified loan funds and venture funds in Pennsylvania with a matched Form 990 (median $8.7M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Pennsylvania | 24 | larger than 38% |
“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 Bethlehem and Pennsylvania
- ASSETS LancasterLoan fund · Lancaster, PASmall-business loansVerified
- 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
- Community First Fund dba FinantaLoan fund · Lancaster, PACommercial real estate loans, Credit-builder loans, Affordable housing development loans, Microloans…Verified
- East End Food Coop FCUCredit union · Pittsburgh, PAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Energy / solar / efficiency loans…Verified
Work at Rising Tide Community Loan Fund? 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.