The Natural Capital Investment Fund (NCIF) is a business loan fund that provides debt and equity financing to small businesses located in North Carolina, Northeast Tennessee, Southwest Virginia and West Virginia.
NCIF has operated in West Virginia since 2001, expanding to North Carolina, Virginia, and northeast Tennessee in 2007. NCIF is affiliated with The Conservation Fund, a national nonprofit organization with a unique dual mission of land & water conservation and economic development.
NCIF is certified as a Community Development Financial Institution Fund (CDFI) by the U.S. Department of the Treasury's CDFI Fund. CDFIs are private, specialized financial institutions that are targeted to borrowers who cannot meet the credit standards of traditional financial institutions because of perceived credit risk.
NCIF, like other CDFIs operating around the country, provides a wide range of financial services to businesses located in economically distressed urban and rural communities. The NCIF provides flexible financing and investments 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. We also finance and invest in businesses involved with environmental and green products/services.
NCIF is also certified by the U.S. Department of the Treasury as a Community Development Entity (CDE), having met the eligibility requirements set forth in the New Markets Tax Credit Program (NMTC) statute.
NCIF is a 501(c)(3) non-profit organization. Our mission is to provide debt and equity financing to small and emerging natural resource-based businesses that will advance sustainable economic development and have a positive impact on human health and the natural environment. NCIF's business clients are predominantly located in economically distressed rural communities and are unable to access capital from traditional sources.
Sectors of particular interest include: heritage and recreation-based tourism, value-added and sustainable agriculture, water/wastewater treatment, sustainable forestry and forest products, integrated waste management, and recycling. Learn more about our triple bottom-line approach.