Natural Capital Investment FundNatural Capital Investment Fund

A Trusted Lending Partner

For 15 years, NCIF has successfully partnered with banks and community-based lenders of all sizes to ensure qualified clients have the funding and services they need to grow their enterprise. Below are some of the ways we work with other lending institutions:

Co-lending:  NCIF frequently participates with other lenders, to share risk and increase the total financing available to an enterprise. This can help a bank say “yes” to a loan where collateral or equity is not quite sufficient to meet bank underwriting standards.
Structuring growth financing: In some cases, NCIF will provide subordinated debt that can function as “patient capital” for fast-growing companies.  NCIF’s more flexible collateral requirements allow senior lender to preserve their collateral position. We work closely with other lenders to structure our capital so that we fill the capital gap a senior lender cannot fund. 

Referrals: By providing financing, NCIF can help a bank maintain its other relationships (treasury services, deposits, credit cards, insurance, etc.) with a valued customer.

Business advisory services: We have many resource partners ready to help your clients complete a business plan, improve operations, conduct an energy audit, or generate financial projections needed for a successful loan package. NCIF can contract with outside experts if needed.

For details on how your lending institution can work with NCIF, contact Anna Tefft at (336) 734-6902 or