FDIC-Insured - Backed by the full faith and credit of the U.S. Government

MISSION-READY FUNDING FOR NONPROFITS

FOR

Financial Flexibility Designed to Support Your Mission

This solution offers access to liquidity while helping organizations preserve restricted or donor-designated funds. By using non-designated funds as collateral, organizations may be able to address short-term cash flow needs or respond to opportunities as they arise.  This program is intended to align financial flexibility with sound stewardship practices and may assist organizations in maintaining donor trust and supporting long-term sustainability.

 

Terms, conditions, and eligibility requirements apply.

Eligible Credit Options

  • Revolving Line of Credit  Ideal for recurring or short-term liquidity needs such as grant timing gaps, seasonal fundraising cycles, payroll continuity, and emergency expenses. 

  • Term Loan  Designed for one-time or planned needs including program expansion, technology or equipment purchases, and strategic initiatives. 

Group selfie of smiling volunteers in blue shirts, perfect for community focused nonprofit lenders.

Why choose this solution:

  • Protect restricted assets  Only non-designated funds are used as collateral 

  • Maintain smooth operations  Cover timing gaps in grants or reimbursements

  • Respond quickly  Unexpected needs don't have to interrupt your mission

  • Low-cost security  Take advantage of your existing liquidity

  • Simple structure, predictable costs  Transparent terms designed for nonprofits

How it works:

  1. Eligible non-designated deposit balances are confirmed

  2. An advance rate determines the maximum credit or loan amount

  3. Funds are accessed via revolving draws or term loan disbursement

  4. A hold will be placed on the deposited funds securing the credit/loan