Who We Are

Founded in 2001, Natural Capital Investment Fund (NCIF) is a business loan fund that provides debt financing to small businesses located in West Virginia; North Carolina; the Appalachian regions of Maryland, Virginia, Kentucky, Tennessee, and Ohio; South Carolina; and south Georgia.

NCIF is a 501(c)(3) non-profit organization and a wholly owned subsidiary of The Conservation Fund.

A Mission-Driven Lender

With every loan we make, our goal is to provide small and emerging natural resource-based businesses with the financing they need so they can advance sustainable economic development and have a positive impact on human health and the natural environment in their community.

Learn more about our triple-bottom-line approach »

NCIF’s business clients are predominantly located in economically distressed rural communities.  We specialize in providing capital that helps young and innovative green businesses grow until they can access traditional sources of financing.

We are particularly interested in supporting: value-added and sustainable agriculture; renewable energy and energy efficiency; heritage and recreation-based tourism; water conservation and treatment; sustainable forestry and forest products; natural medicines and green products; and recycling.

Community Development Financial Institution

NCIF is certified as a Community Development Financial Institution (CDFI) by the U.S. Treasury. CDFIs are specialized financial institutions that serve borrowers in economically distressed communities who cannot meet the credit standards of traditional financial institutions because of perceived credit risk.

As a CDFI, NCIF provides a wide range of services to businesses in economically distressed urban and rural communities. We offer flexible financing and targeted technical assistance to a variety of natural resource-based businesses, which range from small crafts enterprises and specialty food manufacturers to multi-million dollar forest products enterprises.

A Community Development Entity

NCIF is also certified by the U.S. Treasury as a Community Development Entity (CDE), having met the eligibility requirements set forth in the New Markets Tax Credit Program (NMTC) statute.

Our Supporters

Our work would not be possible without the financial support of conscientious foundations, agencies, corporations, and individuals.

Our Funders »