At a glance
From its website, read 2 Nov 2026Spark Capital is a loan fund based in Omaha, Nebraska. Its website describes child-care facility loans, commercial real estate loans, affordable housing development loans and 1 other loan type. Stated loan amounts run from $50,000 to $750,000. 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.sparkcdi.org/spark-capital |
| Office (official list) | 1111 N. 13th St., #311, Omaha, NE 68102 |
What their website says about applying
Fill out the pre-application form. Click the button below to start the process.
sourcePlease download and complete the following documents:
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.
Who qualifies, in their words
- Collateral required
Collateral is required, typically in the form of real estate or other secured assets.
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) | 20 Mar 2025 |
| RSSD ID | — (none listed) |
| Address | 1111 N. 13th St., #311, Omaha, NE 68102 Directions (Google Maps) |
| Website | www.sparkcdi.org/spark-capital |
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. Per-product loan amounts are not stated; the $50,000 to $750,000 range applies to the fund's lending generally. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Child-care facility financing | — | Spark Capital Community Loan Fund provides financing for childcare and educational facilities that serve low- and moderate-income communities and families. | source |
| Commercial real estate loans | — | Spark Capital Community Loan Fund provides financing for commercial and mixed-use development located in and/or serving low- and moderate-income neighborhoods and tenants. | source |
| Affordable housing development loans | — | Spark Capital Community Loan Fund provides financing for the redevelopment or construction of rental housing, including multi-family or single-family homes, and affordable for-sale homes. | source |
| Nonprofit / community facility loans | — | Community facilities (childcare, healthcare, education, arts, etc.) | source |
Loan sizes
Our Spark Capital Community Loan Fund provides flexible lending products, with loans ranging between $50,000-$750,000.
source
Range used for the size filter: $50,000 to $750,000
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
Project must align with Spark’s mission to support low and moderate‑income communities.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Fill out the pre-application form. Click the button below to start the process.
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What interest rate and fees should I expect on your child-care facility loans and commercial real estate loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated 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$375,000 in 3 awards from the U.S. Treasury's CDFI Fund, 2020–2022 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
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 | $4.8M |
|---|---|
| Total liabilities | $1.2M |
| Net assets | $3.5M |
| Total revenue | $1.2M |
| Program-related investments (Part X line 13) | $1.2M |
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 84-3169340, filed as “SPARK CAPITAL”), 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 |
|---|---|---|---|
| Dec 2019 (990-EZ) | $1 | $0 | $0 |
| Dec 2021 (990) | $2.6M | $2M | $759,503 |
| Dec 2022 (990) | $4.1M | $3.1M | $1.4M |
| Dec 2023 (990) | $4.8M | $3.5M | $1.2M |
Total assets grew 477570600% from Dec 2019 to Dec 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 |
|---|---|---|
| Largest loan its website states | $750,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 71% of these 184. |
| Total assets, latest IRS Form 990 | $4.8M | Larger than 12% of the 8 other certified loan funds and venture funds in Nebraska with a matched Form 990 (median $16.7M). |
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 71% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Nebraska | 8 | larger than 12% |
“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 Omaha and Nebraska
- Economic Empowerment CenterLoan fund · Omaha, NEAuto / vehicle loans, Microloans, Personal / consumer loans, Small-business loansVerified
- Habitat Omaha Affordable Mortgage Solutions, Inc.Loan fund · Omaha, NEOfficial list only
- Midwest Housing Development Fund, Inc.Loan fund · Omaha, NEAffordable housing development loansVerified
- OMAHA 100, INCLoan fund · Omaha, NEAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…Verified
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