For over 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 and Participations:  We frequently partner with other lending institutions to share risk and increase the total financing available to an enterprise.  Partnering with NCIF can help your lending institution say “yes” to a loan where collateral or equity is not quite sufficient to meet your internal underwriting standards.  We do this in a variety of ways:

  • NCIF can co-lend on a pari passu basis with another lender.  
  • We can participate in loans originated by another lender.
  • We accept participations from other lenders in loans that NCIF originates.

Subordinated Debt: In some cases, NCIF’s more flexible collateral requirements allow us to provide subordinated debt that fills the capital gap between the company’s total financing needs and what a senior lender can provide.   By providing this “patient” or “equity-like” capital for fast-growing companies, NCIF can help a senior lender preserve its collateral position.   

Referrals:   Banks can refer existing customers to NCIF to provide financing. NCIF can help a bank maintain its other relationships with a valued customer (e.g., treasury services, deposits, credit cards, insurance, etc.).

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.

Credit enhancement programs: NCIF is an SBA 7(a) Community Advantage Lender and is certified by the USDA as a Business & Industry Guarantee (B&I), Intermediary Relending Program (IRP), and Rural Microenterprise Assistance Program (RMAP) lender. 

Give us a try!:  
For details on how your lending institution can work with NCIF, contact Anna Tefft  at (336) 734-6902 or This email address is being protected from spambots. You need JavaScript enabled to view it.