Capital solutions for nonprofit organizations
Nonprofits need funding for facilities, equipment, program expansion, and cash flow management between grant disbursements. The timing mismatch between when grants are awarded and when funds actually arrive can create serious operational strain, especially for organizations scaling their programs or taking on new initiatives. Bay Street Lending connects 501(c)(3) organizations with lenders who understand nonprofit revenue models including grants, donations, and program fees. From lines of credit that bridge grant timing gaps to SBA loans for facility purchases, we help mission-driven organizations secure capital without compromising their programs.
Grants are disbursed on schedules that don't always match expenses. A credit line bridges the gap.
Growing organizations need space. Commercial real estate financing helps nonprofits own rather than rent.
Donation income fluctuates. Financing provides stable capital to maintain programs regardless of giving cycles.
Yes. Nonprofits with 501(c)(3) status and consistent revenue from grants, donations, or program fees can qualify for business financing.
Typically: 501(c)(3) determination letter, board resolution authorizing the loan, 2+ years of financial statements, and bank statements.
Yes. SBA 504 loans and commercial real estate financing are available for nonprofits purchasing or renovating their facilities.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.