NCCLF's 2012 Annual Report - Northern California Community ...

In our twenty-five year history, NCCLF has
provided loans to hundreds of nonprofit
organizations that develop affordable housing,
community facilities, job training programs,
and vital human services throughout Northern
California. We meet these organizations’ needs
in a variety of ways.
In 2001, we loaned $216,000 to Loaves & Fishes,
a Contra Costa County homeless service provider
to build a catering kitchen. The organization had
started in 1983 as a volunteer sandwich giveaway
and quickly expanded to using local churches
for makeshift kitchens. When the organization
realized they needed their own kitchen, they
turned to NCCLF for help.
Along with the loan, NCCLF also provided
technical assistance in construction oversight.
Today, Loaves & Fishes serves free, hot nutritious
meals to the hungry from eight locations
throughout Contra Costa County and distributes
60 tons of groceries annually to those in need.
NCCLF works with many of our nonprofit
clients on a long-term basis, providing different
financial services as needs change over the
years. Alzheimer’s Services of the East Bay
(ASEB) is a nonprofit community organization in
Berkeley that provides services for individuals
with dementia and their families. Nearly 65%
of their clients are low-income; many are
women and minorities. In 1994, we provided a
real estate loan for a new facility; in 2000, we
provided a $100,000 line of credit to assist the
organization’s cash flow; and in 2002, we even
gave them a “car loan” so they could buy
a nine-passenger shuttle bus to transport
clients between their homes and ASEB’s adult
day care program.
While our products may change over time,
our goal is always the same: to help our
clients serve their communities and thrive.
NCCLF partners with nonprofit organizations
for multiple projects, at different stages in their
organizational growth, and in varying economic
climates to strengthen their sustainability. While
our products may change over time, our goal is
always the same: to help our clients serve their
communities and thrive.
Cover photo: A volunteer in the kitchen at Loaves &
Fishes of Contra Costa County.
(Photo courtesy of Loaves & Fishes)