Financial Services

Natural Capital Investment Fund provides timely capital to triple-bottom-line businesses and farms that drive growth, increase profitability, create employment opportunities, and have positive environmental impact.

Investments are structured in a variety of ways, based on transaction and borrower need, with loan amounts up to $500,000. We specialize in:

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

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


Energy Efficiency Loans

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

Logging Initiative

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 funds they need to succeed. Learn more »


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

New Markets Tax Credit Financing

NCIF is a working partner of Coastal Enterprises, Inc., which provides access to New Markets Tax Credits. With CEI, we avail this large capital source to distressed communities in our eight-state core region. 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

This program provides capital to both both triple-bottom-line as well as do no environmental harm small businesses located in WV. The West Virginia CAP was funded by the Small Business Jobs Act of 2010, the Claude Worthington Benedum Foundation, and West Virginia Department of Commerce. Learn more »