State directory · RI
CDFI lenders in Rhode Island
48 certified CDFIs lend in Rhode Island, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 2 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
- 48
- Headquartered here
- 2
- Verified from lender sites
- 48
Who lends in Rhode Island
48 lenders, each counted once- 2 · Lend statewideLender websites, read 29 Oct 2026–4 Nov 2026
- 6 · Name Rhode Island or part of itLender websites, read 29 Oct 2026–4 Nov 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. 2 certified CDFIs are headquartered in Rhode Island (CDFI Fund list, 21 Oct 2026); 2 of them appear in the first groups because their website names an area here.
By loan type
Lenders that name an area in Rhode Island 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.
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.
Lend throughout Rhode Island (2)
Their website's service area covers all of Rhode Island (statewide wording, or a list of whole states). Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
- Nectar Community Investments, Inc.Loan fund · Lawrence, MAEnergy / solar / efficiency loans, Equipment loans, Equity / venture investment, Home repair / improvement loans…
Massachusetts and Rhode Island
Verified - Providence Revolving FundLoan fund · Providence, RIHome repair / improvement loans, Affordable housing development loans, Microloans
Statewide across Rhode Island
Verified
Name Rhode Island or a region of it in their service area (6)
Their website names Rhode Island 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 - Genesis Fund, Inc.Loan fund · Brunswick, MEAffordable housing development loans, Nonprofit / community facility loans
Maine and other northern New England communities
Verified - The Capital Good FundLoan fund · Providence, RIImmigration / citizenship loans
Financing in Rhode Island, Florida, Massachusetts, Illinois, Delaware, Texas, Colorado, New Jersey, Connecticut, Georgia and Pennsylvania
Verified - VSJF Flexible Capital Fund L3CLoan fund · Montpelier, VTEquity / venture investment, Small-business loans
New England companies
Verified
Say they lend nationwide (40)
Their website says they lend across the United States and does not exclude Rhode Island. 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 Rhode Island
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.
Small Business Loans (5)
- Nectar Community Investments, Inc.Loan fund · Lawrence, MAEnergy / solar / efficiency loans, Equipment loans, Equity / venture investment, Home repair / improvement loans…
Amount: $3,000-$500,000
Verified - BOSTON IMPACT INITIATIVE FUND II LLCLoan fund · Jamaica Plain, MAEquity / venture investment, Small-business loans
Capital for small businesses, worker cooperatives, and Black and Latino-owned enterprises
Verified - Cape & Islands Community Development Inc.Loan fund · Centerville, MASBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Projects from $25,000 to $500,000
Verified - Cooperative Fund of the Northeast, Inc.Loan fund · Watertown, MASmall-business loans
the Co-op Launch Loan and ELF, or equity-like financing.
Verified - VSJF Flexible Capital Fund L3CLoan fund · Montpelier, VTEquity / venture investment, Small-business loans
We offer subordinated debt and revenue-based financing to growth-stage companies in resilient agriculture, forest products, and clean tech.
Verified
Microloans (1)
SBA Loans (1)
Equipment Loans (1)
Home Repair Loans (2)
- Nectar Community Investments, Inc.Loan fund · Lawrence, MAEnergy / solar / efficiency loans, Equipment loans, Equity / venture investment, Home repair / improvement loans…
Amounts up to $50,000
Verified - Providence Revolving FundLoan fund · Providence, RIHome repair / improvement loans, Affordable housing development loans, Microloans
PRF offers affordable home repair loans for the exterior renovation of homes 50+ years old.
Verified
Affordable Housing Development Loans (2)
- Providence Revolving FundLoan fund · Providence, RIHome repair / improvement loans, Affordable housing development loans, Microloans
PRF provides Developers with customize-able financing including but not limited to Pre-Development, Construction, Bridge, and Mezzanine loans.
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 (1)
Energy and Solar Loans (1)
CDFI Fund awards
2 of the 2 certified CDFIs headquartered in Rhode Island have received CDFI Fund awards, $8.4 million in total; the largest: Providence Revolving Fund ($4.6 million), The Capital Good Fund ($3.8 million). All CDFI Fund award recipients based in Rhode Island, certified today or not: $39.4 million in 22 awards, 1997–2024.
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 Rhode Island
Free or low-cost advice before you apply: 3 Small Business Development Center offices; 1 SCORE chapter; 1 Women's Business Center; 5 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).
SBA loans by CDFIs in Rhode Island
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 31 SBA approvals (11 7(a) loans and 20 504 projects) for borrowers in Rhode Island in fiscal years 2020–2026, from 2 CDFIs. The 7(a) loans total $1.5M approved.
Most SBA approvals here: South Eastern Economic Development Corporation (30).
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 Rhode Island (FY2022)
CDFI Fund data, released Dec 2024500 loans and investments totaling $30.9M (median $1,200) were reported to the CDFI Fund for borrowers and projects in Rhode Island in fiscal year 2022, by 14 reporting CDFIs. More than half of these records come from a single reporting CDFI.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Consumer | 426 | $1.4M | $1,000 |
| Home purchase | 30 | $15.4M | $402,375 |
| Non-real estate microenterprise | 23 | $415,959 | $10,700 |
| Real estate: commercial construction, permanent or acquisition | 7 | $8.5M | $397,384 |
| Real estate: commercial rehabilitation | 4 | $1.7M | $268,750 |
| Real estate: multifamily housing construction | 4 | $2.5M | $650,000 |
| Other purposes | 6 | $1M |
Of 410 individual borrowers whose income was reported, 85% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 1,332 consumer loans in Rhode Island totaling $4.5M (Consumer Loan Report, tract totals, so no median); they counted 9% of them as serving low-income borrowers.
Counties with the most recorded loans and investments
Fiscal year 2022; 5 Rhode Island 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 |
|---|---|---|
| Providence County | 413 | $25M |
| Kent County | 49 | $2.4M |
| Newport County | 16 | $2.3M |
| Bristol County | 12 | $609,287 |
| Washington County | 10 | $630,834 |
Loans and investments reported in other years: FY2018 553 · FY2019 590 · FY2020 601 · FY2021 1,115.
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 Rhode Island, by city
CDFI Fund list, 21 Oct 20262 certified CDFIs: 2 loan funds. A headquarters address is not a service area; each lender is also listed in its group above.
- Providence (2): Providence Revolving Fund, The Capital Good Fund
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/ri/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).