State directory · ME
CDFI lenders in Maine
51 certified CDFIs lend in Maine, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 7 are headquartered here. Grouped below by the evidence. Sources: CDFI Fund list as of 21 Oct 2026; lender websites read 29 Oct 2026–4 Nov 2026.
- Lend here
- 51
- Headquartered here
- 7
- Verified from lender sites
- 51
Who lends in Maine
51 lenders, each counted once- 1 · Name a county or town in MELender websites, read 29 Oct 2026–4 Nov 2026
- 1 · Lend statewideLender websites, read 29 Oct 2026–4 Nov 2026
- 6 · Name Maine or part of itLender websites, read 29 Oct 2026–4 Nov 2026
- 3 · Headquartered here, no area statedCDFI Fund list, 21 Oct 2026
- 40 · Say they lend nationwideLender websites, read 29 Oct 2026–4 Nov 2026
Each lender is listed once, under the strongest evidence we have. 7 certified CDFIs are headquartered in Maine (CDFI Fund list, 21 Oct 2026); 4 of them appear in the first groups because their website names an area here.
By loan type
Lenders that name an area in Maine or are headquartered here and describe the loan type on their own website (Lender websites, read 29 Oct 2026–4 Nov 2026). Not mentioned does not mean not offered.
County pages
Cities with a CDFI headquarters
A listing here is evidence, not an offer: confirm with the lender that it lends where you are and to borrowers like you. For your exact address, search your ZIP code in the finder.
Name a county or town in Maine as their lending area (1)
Their own website names a county or town in Maine where they lend; place names are matched to GeoNames postal data. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
Lend throughout Maine (1)
Their website's service area covers all of Maine (statewide wording, or a list of whole states). Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
Name Maine or a region of it in their service area (6)
Their website names Maine or a region of it, without saying statewide or naming a county or town. Check the exact area with the lender. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
- BOSTON IMPACT INITIATIVE FUND II LLCLoan fund · Jamaica Plain, MAEquity / venture investment, Small-business loans
New England
Verified - Cape & Islands Community Development Inc.Loan fund · Centerville, MASBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Massachusetts and rural New England
Verified - Cooperative Fund of the Northeast, Inc.Loan fund · Watertown, MASmall-business loans
Co-ops and eligible nonprofits located in New England states and New York State
Verified - Four Directions Development CorporationLoan fund · Orono, ME · Native CDFIHome repair / improvement loans, Affordable housing development loans, Home mortgages, Nonprofit / community facility loans…
Maine: Native American tribes and Native-owned businesses
Verified - Genesis Fund, Inc.Loan fund · Brunswick, MEAffordable housing development loans, Nonprofit / community facility loans
Maine and other northern New England communities
Verified - VSJF Flexible Capital Fund L3CLoan fund · Montpelier, VTEquity / venture investment, Small-business loans
New England companies
Verified
Headquartered in Maine, no service area stated here (3)
The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in Maine. The pages we read name no county, town, region or statewide area in Maine, or we have not read the lender's website yet; where a lender states an area elsewhere or nationwide, it is shown on its row. Not found does not mean they do not lend here.
- 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
Say they lend nationwide (40)
Their website says they lend across the United States and does not exclude Maine. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
Show the 40 lenders that say they lend nationwide
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Business loans in 45 states, excluding DC, MT, ND, SD, TN and VT
Verified - BlueHub Loan Fund IncLoan fund · Boston, MAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
National lender with investments in 25 states, Washington DC and Puerto Rico
Verified - Bridge Investment Community Development CorporationLoan fund · Rock Island, ILAffordable housing development loans, Microloans, Small-business loans
National service area with a primary focus on Investment Areas in Iowa and Illinois
Verified - Business Consortium Fund, Inc.Loan fund · New York, NYSmall-business loans
Small businesses across the United States
Verified - Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages
Across the country (nationwide), for homeowners in underserved communities
Verified - Community Development Trust, LP, TheLoan fund · New York, NYAffordable housing development loans
Nationwide: affordable housing communities across the United States
Verified - Community Housing Capital, Inc.Loan fund · Decatur, GAAffordable housing development loans
Nationwide, for NeighborWorks America organizations
Verified - Community Preservation CorporationLoan fund · New York, NYCommercial real estate loans, Equity / venture investment
National lender serving communities across the U.S.
Verified - Dakota ResourcesLoan fund · Renner, SDMicroloans, Nonprofit / community facility loans
Rural places nationwide
Verified - Disability Fund, Inc., TheLoan fund · Rockville Centre, NYAffordable housing development loans
Projects for people with disabilities throughout the United States
Verified - Enterprise Community Loan Fund, Inc.Loan fund · Columbia, MDEquity / venture investment
Deals in every state, Washington, D.C., and Puerto Rico
Verified - Entertainment Industries FCUCredit union · Elizabeth, NJAuto / vehicle loans, Home mortgages
Mortgages offered in all 50 states
Verified - Five Points Community Capital, LLCLoan fund · Austin, TXAffordable housing development loans, Small-business loans
Vulnerable and low-income communities throughout the United States, with a targeted focus on rural areas
Verified - Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loans
Businesses throughout the country; 35 states served
Verified - Grow America Fund, Inc.Loan fund · Boston, MASmall-business loans
Small business lending in communities across the United States
Verified - Housing Partnership Fund, Inc., TheLoan fund · Boston, MAAffordable housing development loans
Nationwide, serving nonprofit developers of affordable housing
Verified - Local Initiatives Support CorporationLoan fund · New York, NYChild-care facility financing, Affordable housing development loans, Nonprofit / community facility loans, Small-business loans
Nationwide: offers financing to organizations across the country
Verified - Mercy Community CapitalLoan fund · Denver, COAffordable housing development loans
Affordable housing developments located in the United States
Verified - Mobility Credit Acceptance LLCLoan fund · Richmond, VAAuto / vehicle loans, Equipment loans, Home repair / improvement loans
Nationwide, through a network of dealers and manufacturers
Verified - NDC Community Impact Loan FundLoan fund · Boston, MASmall-business loans
Small business lending in communities across the United States
Verified - National Association for Latino Community Asset BuildersLoan fund · San Antonio, TXCommercial real estate loans
Nonprofit member organizations across the United States
Verified - National Community Investment FundVenture capital fund · Chicago, ILAffordable housing development loans, Small-business loans
Across the country: small towns, rural areas and urban neighborhoods
Verified - Neighborworks Capital CorporationLoan fund · Silver Spring, MDAffordable housing development loans
Nationwide; NeighborWorks network members active in every state, DC and Puerto Rico
Verified - Nonprofit Finance FundLoan fund · New York, NYChild-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans…
Mission-driven organizations across the United States
Verified - OPAL Community Capital LLCLoan fund · Birmingham, ALCommercial real estate loans
Mostly nationwide for historic tax credit transactions; some deals in eligible geographies
Verified - Partners for the Common Good, Inc.Loan fund · Washington, DCCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
Nationwide; finances affordable housing, community facilities and other projects.
Verified - Primary Care Development CorporationLoan fund · New York, NYEquipment loans, Nonprofit / community facility loans
Nationwide: community-based health providers across the country
Verified - REDF Impact Investing FundLoan fund · San Francisco, CACommercial real estate loans, Small-business loans
Invests in small businesses across the U.S.
Verified - Raza Development Fund, Inc.Loan fund · Phoenix, AZNonprofit / community facility loans
Communities across America (no states named)
Verified - Reinvestment Fund, Inc., TheLoan fund · Philadelphia, PAChild-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…
Lends across the country (national)
Verified - Resident Ownership Capital, LLC dba ROC USA CapitalLoan fund · Washington, DCAffordable housing development loans
Nationwide, coast to coast, through affiliates and an in-house team
Verified - Rocky Mountain Community Reinvestment CorporationLoan fund · Salt Lake City, UTAffordable housing development loans
Across the United States, financing affordable housing nationwide
Verified - Shared Capital CooperativeLoan fund · Saint Paul, MNCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loans
Any US business or housing cooperative
Verified - Springboard CDFILoan fund · National City, CAHome mortgages
National (nationwide) lender
Verified - The Community Business Investment Fund, LLCLoan fund · Austin, TXAffordable housing development loans
Nationwide; prioritizes investment in rural communities
Verified - The Housing Partnership Network, Inc.Loan fund · Boston, MAAffordable housing development loans
Nationwide lending to nonprofit housing developers
Verified - The Sunlight Loan Fund, LLCLoan fund · Minneapolis, MNChild-care facility financing
Nationwide across the United States
Verified - Triple Bottom Line FoundationLoan fund · Lakewood, COEnergy / solar / efficiency loans
National (United States)
Verified - UPI LOAN FUNDLoan fund · Chandler, AZPersonal / consumer loans, Small-business loans
Underserved low- to moderate-income communities across the United States
Verified - Urban Strategies IncLoan fund · Saint Louis, MOMicroloans, Small-business loans
Urban communities nationally
Verified
More loan types in Maine
Lender websites, read 29 Oct 2026–4 Nov 2026Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.
Microloans (3)
- Northern Maine Development CommissionLoan fund · Caribou, MEMicroloans, Small-business loans
Micro Business Loans up to $50,000 with low-fixed interest rates and terms between 5 and 10 years
Verified - COMMUNITY CONCEPTS FINANCE CORPORATIONLoan fund · South Paris, MEMicroloans, Home mortgages, Small-business loans
Community Concepts Finance Corporation is such a lender.
Verified - Coastal Enterprises, Inc.Loan fund · Brunswick, MEAgriculture / farm loans, Child-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans…
CEI’s Wicked Fast Loans offer up to $15,000 for start-up businesses and up to $30,000 for existing businesses.
Verified
SBA Loans (1)
Commercial Real Estate Loans (1)
Mortgages (4)
- MaineStream FinanceLoan fund · Bangor, MEHome mortgages, Small-business loans
MaineStream Finance offers home loans for first-time buyers across Maine, even if your credit isn’t perfect.
Verified - Four Directions Development CorporationLoan fund · Orono, ME · Native CDFIHome repair / improvement loans, Affordable housing development loans, Home mortgages, Nonprofit / community facility loans…
Residential Loans Four Directions offers many residential loan options to help you find the house of your dreams. We have products available for homes on- and off-reservation. FDDC offers multiple home mortgage products…
Verified - Acadia Federal Credit UnionCredit union · Fort Ken, MEAuto / vehicle loans, Home mortgages, Personal / consumer loans
Whether you’re buying a home, purchasing land, or finding that special camp, our local lending team can help you explore your options.
Verified - COMMUNITY CONCEPTS FINANCE CORPORATIONLoan fund · South Paris, MEMicroloans, Home mortgages, Small-business loans
Welcome to the best way to find a home loan!
Verified
Home Repair Loans (1)
Personal Loans (1)
Auto Loans (1)
Farm and Agriculture Loans (1)
Affordable Housing Development Loans (2)
- Four Directions Development CorporationLoan fund · Orono, ME · Native CDFIHome repair / improvement loans, Affordable housing development loans, Home mortgages, Nonprofit / community facility loans…
Tribal governments, nonprofits, and tribal enterprises can work with Four Directions for financing that fits your real estate pre-development, construction costs, infrastructure, and working capital needs for:
Verified - Genesis Fund, Inc.Loan fund · Brunswick, MEAffordable housing development loans, Nonprofit / community facility loans
We want to help move your affordable housing or community facility project forward.
Verified
Nonprofit Facility Loans (3)
- Four Directions Development CorporationLoan fund · Orono, ME · Native CDFIHome repair / improvement loans, Affordable housing development loans, Home mortgages, Nonprofit / community facility loans…
Tribal governments, nonprofits, and tribal enterprises can work with Four Directions for financing that fits your real estate pre-development, construction costs, infrastructure, and working capital needs for:
Verified - Genesis Fund, Inc.Loan fund · Brunswick, MEAffordable housing development loans, Nonprofit / community facility loans
We want to help move your affordable housing or community facility project forward.
Verified - Coastal Enterprises, Inc.Loan fund · Brunswick, MEAgriculture / farm loans, Child-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans…
CEI offers financing to projects that support nonprofits and/or the construction, rehabilitation or expansion of facilities that support community needs
Verified
Child-Care Facility Loans (1)
Energy and Solar Loans (1)
CDFI Fund awards
7 of the 7 certified CDFIs headquartered in Maine have received CDFI Fund awards, $64.2 million in total; the largest: Coastal Enterprises, Inc. ($24.5 million), Four Directions Development Corporation ($15.8 million), Genesis Fund, Inc. ($13.8 million). All CDFI Fund award recipients based in Maine, certified today or not: $69 million in 113 awards, 1996–2025.
Awards go to the institutions, not to borrowers; totals exclude New Markets Tax Credit allocations and bond guarantees. All states ranked. 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.
Free help in Maine
Free or low-cost advice before you apply: 6 Small Business Development Center offices; 1 SCORE chapter; 3 Women's Business Centers; 9 HUD-approved housing counseling agencies. Each county page lists the ones nearest to it. Sources: SBA local assistance listings (6 Nov 2026) and HUD's list of approved housing counseling agencies (last updated 9 Apr 2025).
Largest nonprofit loan funds based in Maine
IRS Form 990 data| Loan fund | Total assets | Loans receivable | FY ends |
|---|---|---|---|
| Coastal Enterprises, Inc. | $125.9M | $53.2M | Sep 2023 |
| Genesis Fund, Inc. | $53.6M | $42.8M | Mar 2024 |
| Northern Maine Development Commission | $27.3M | $24.1M | Jun 2023 |
| Four Directions Development Corporation | $15.6M | — | Sep 2023 |
| COMMUNITY CONCEPTS FINANCE CORPORATION | $12.5M | $8M | Sep 2023 |
| MaineStream Finance | $6.9M | $5M | Sep 2023 |
6 certified loan funds headquartered in Maine are matched to a Form 990 or 990-EZ; median total assets $21.5M. End-of-year figures self-reported to the IRS, from the IRS Annual Extract of Tax-Exempt Organization Financial Data; each row shows its own fiscal year. Assets are the organisation’s whole balance sheet, not only its loans; “Loans receivable” is Form 990 Part X line 7 (notes and loans receivable); “—” means that line was empty or zero, not that the fund has no loans.
SBA loans by CDFIs in Maine
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 15 SBA approvals (11 7(a) loans and 4 504 projects) for borrowers in Maine in fiscal years 2020–2026, from 3 CDFIs. The 7(a) loans total $1.6M approved.
Most SBA approvals here: Acadia Federal Credit Union (10), Partners Bank (4).
Approval is not disbursement. Each lender page shows its own SBA figures.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
CDFI lending recorded in Maine (FY2022)
CDFI Fund data, released Dec 2024451 loans and investments totaling $51.7M (median $15,000) were reported to the CDFI Fund for borrowers and projects in Maine in fiscal year 2022, by 21 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home purchase | 210 | $8.2M | $5,809 |
| Non-real estate microenterprise | 117 | $2.5M | $20,000 |
| Non-real estate business | 44 | $8.3M | $100,000 |
| None of the listed purposes | 29 | $2.9M | $48,000 |
| Real estate: multifamily housing rehabilitation | 17 | $7.8M | $255,000 |
| Real estate: commercial rehabilitation | 14 | $12.4M | $393,952 |
| Other purposes | 20 | $9.4M |
Of 114 individual borrowers whose income was reported, 68% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 2,598 consumer loans in Maine totaling $36.5M (Consumer Loan Report, tract totals, so no median); they counted 34% of them as serving low-income borrowers.
Counties with the most recorded loans and investments
Fiscal year 2022; 15 Maine counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.
| County | Count | Total |
|---|---|---|
| Aroostook County | 64 | $2M |
| Cumberland County | 61 | $20.2M |
| Penobscot County | 55 | $3M |
| York County | 55 | $7.4M |
| Androscoggin County | 50 | $3.5M |
| Kennebec County | 49 | $2.6M |
| Knox County | 23 | $829,984 |
| Hancock County | 21 | $4.7M |
| Somerset County | 15 | $2.5M |
| Washington County | 13 | $384,129 |
Loans and investments reported in other years: FY2018 147 · FY2019 157 · FY2020 113 · FY2021 820.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Headquartered in Maine, by city
CDFI Fund list, 21 Oct 20267 certified CDFIs: 6 loan funds · 1 credit union; 1 flagged Native. A headquarters address is not a service area; each lender is also listed in its group above.
- Bangor (1): MaineStream Finance
- Brunswick (2): Coastal Enterprises, Inc., Genesis Fund, Inc.
- Caribou (1): Northern Maine Development Commission
- Fort Ken (1): Acadia Federal Credit Union
- Orono (1): Four Directions Development Corporation
- South Paris (1): COMMUNITY CONCEPTS FINANCE CORPORATION
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.
Source: CDFI Atlas, cdfiatlas.com/states/me/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).