Financial Products

Natural Capital Investment Fund provides flexible financing to small businesses that drive growth, increase profitability, create employment opportunities, and have positive environmental impact.

We specialize in:

  • Capital that leverages traditional debt from banks and other collateral-based lenders.
  • Loans for growing companies in economically distressed communities, especially promising ventures led by socially disadvantaged entrepreneurs.
  • Working capital to grow sales through increased inventory, marketing campaigns, or broker contracts.
  • Financing for fixed assets, such as technology, equipment, and real estate.


Business Expansion Loans

NCIF offers term loans to businesses with at least two years of operating history. Loan proceeds can be used for inventory, machinery and equipment, real estate acquisition, or other working capital purposes.


Subordinated Debt

NCIF specializes in subordinated debt for businesses with fewer than five years of operating history. We provide patient, risk capital in partnership with senior lenders to fund a growing company’s needs for inventory, machinery and equipment, real estate acquisition, and other working capital purposes.

Energy Efficiency Loans

We’re committed to providing affordable capital to enterprises taking control of their energy costs. In the past, we’ve helped entrepreneurs invest in HVAC upgrades, install more energy efficient equipment, and add renewable energy sources to reduce energy consumption and improve their bottom line.  Learn more »

Sustainable Logging Initiative (GA, NC, SC, and WV only)

The forest products sector is important to the vitality of rural communities. Yet loggers often struggle to secure affordable, dependable capital. As such, we’ve partnered with the U.S. Endowment for Forestry and Communities and Coastal Enterprises, Inc. to open up a source of ready funds that can help loggers in the region obtain the equipment and working capital they need to succeed. Learn more »

ShadeFund, our web-based microenterprise lending program, provides loans up to $50,000 nationwide to agriculture and forestry entrepreneurs who conserve land, water and energy. More at



NCIF may invest in companies that meet our underwriting criteria and triple-bottom-line objectives. NCIF’s equity investments are customized to the particular transaction and may be structured as convertible preferred stock, debt with warrants, convertible debt, or royalty payments. Investment amounts range from $50,000 to $250,000.


New Markets Tax Credit Financing

NCIF is a Working Partner with Coastal Enterprises, Inc. to provide access to New Markets Tax Credits in targeted distressed communities in West Virginia, North Carolina, southwest Virginia and northeast Tennessee. Select projects in the $3 to $20 million range with major economic, social and environmental benefits – the triple bottom-line – will be considered.


West Virginia Capital Access Program

Funded by the Small Business Jobs Act of 2010, Claude Worthington Benedum Foundation and West Virginia Department of Commerce, this program provides debt and equity capital and technical assistance to small businesses seeking expansion financing. Learn more »