Borrow Capital Fund
Flexible Capital Solutions for Community Health Centers
At Capital Fund, we understand the vital role health centers play in strengthening communities. That’s why we provide customized financing options to help Federally Qualified Community Health Centers (CHCs) expand, renovate, and thrive – especially when traditional lenders may not step in.
Lending Guidelines
Our lending process is designed to be collaborative, supportive, and responsive to your needs. We provide flexible terms and work closely with you through every step of the underwriting and closing process.
Across the United States
Our financial products support health center capital projects in communities large and small – across urban neighborhoods, rural towns, and everywhere in between.
Loan Programs Tailored to
Health Centers
Capital Fund offers several lending programs to support your financing needs. As a mission-driven lender with deep health center expertise we design flexible products focused on supporting your financial needs.
Direct
Health centers in need of financing for cashflow, equipment and/or facility purchases, construction, or renovations.
- 1 – 10-year terms
- Flexible interest-only periods and collateral requirements
- 1 – 20-year amortization periods
LoanPLUS
Small health centers struggling with cashflow or access to credit from banks. Health Centers with:
- Under $3 million in net assets
- 25 days or less of cash on hand
- Less than $200K in net operating income
New Markets
Health centers building or renovating facilities with project budgets of $5 million or more:
- Low interest rate, forgivable loan after 7-year term
- Forgivable loan contributes up to 20% of project budget
- Competitive application process
Solar Loan
Health centers purchasing and installing solar microgrid and energy storage systems at their facilities:
- 100% financing of solar and energy storage equipment
- Solar and battery equipment are only necessary collateral
- 10-year with 2-year interest-only period
What Our Clients Are Saying
Steven Miracle, CEO
Georgia Mountains Health Services
“Capital Fund’s patience, understanding, and support from the beginning of the process through the end, was instrumental especially as we dealt with outside obstacles throughout the loan closing process”
John Milligan
Chief Financial Officer Syracuse Community Health
Capital Fund provided a crucial $3.6 million loan to us in March of 2026. The loan was used to refinance a short-term construction loan that was maturing and that we couldn’t finance from our cash reserves.
Their support was essential in helping us attain a sustainable cashflow for the new clinic. The clinic features 39 patient rooms, a state-of-the-art mammography suite, OB/GYN, pediatrics, family medicine, internal medicine, laboratory, dental health, podiatry, eye care, behavioral health, nutritionist services with a goal to serve 42,000 patients per year. Thank you, Capital Fund!
Lending FAQs
We work almost exclusively with CHCs and look-alikes, so we understand the complex funding environments and operational complexities you operate in. We’re here to help you move forward - even when times are uncertain.
- Construction Loans: Up to a 10-year term
Interest-only during construction, then principal + interest over a 20-year amortization - Working Capital Loans: 5-year term
Interest-only initially (based on financial review), then principal + interest over 20 years - All loans feature fixed interest rates, with terms based on your specific needs.
We don’t use standard applications. Instead, we provide a due diligence checklist and begin with an initial review of your financial statements and a meeting to discuss your needs. Based on that, we’ll issue preliminary loan terms and request additional information to complete full underwriting.
On average, underwriting takes about 2 months—sometimes less, sometimes more, depending on the loan type and how quickly you can provide requested documentation. Loan closings typically take 2 to 3 months, especially for construction projects that require third-party reports like appraisals or environmental assessments.
In addition to an origination fee, Capital Fund collects reimbursable costs associated with the closing, which may include:
- Appraisals
- Environmental reports
- Legal fees
- Other third-party services required for your loan
Mission
By fostering a culture of trust, collaboration and respect, we support health centers to deliver high-quality healthcare. We are dedicated to amplifying health center impact by providing comprehensive support for sustainability, growth and resiliency through resources, technical assistance, and innovative solutions that help health centers leverage their assets, articulate their value and deliver patient-centered care that meets the highest standards. We pursue excellence with humanity.
Vision
We believe in a just future in which every individual is treated with dignity and respect and has access to quality healthcare, regardless of their ability to pay.