Flexible Nonprofit Financing Solutions
Running a nonprofit takes passion, persistence, and adaptability. You’re out there doing the hard work—serving communities, driving change, and stretching every dollar. We’re here to fuel that mission with funding that works as hard as you do.
Access your funds now by connecting with our team
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Cash Flow Gaps Are Inevitable—Mission Interruptions Aren’t
Need funding for a major one-time expense? Our term loans give you a lump sum upfront with fixed monthly payments, making budgeting simple and predictable. They’re great for projects like equipment purchases, facility upgrades, or capital improvements. We offer 5-year fully amortized loans—repaid in equal monthly payments—so there are no surprises along the way.
Line of Credit for Nonprofits
When cash flow is tight, a flexible line of credit gives you the freedom to keep moving. Tap into funds quickly—no long waits, no red tape. Perfect for managing grant expenses, bridging shortfalls, and staying on top of daily operations.
Bridge Loans for Nonprofits
Waiting on grant or donation funds? Our bridge loans give you immediate access to capital so your projects stay on schedule. It’s a smart way to manage expenses and avoid delays while your promised funding comes through.
Pre-Development Financing
Before a big project can start, there’s groundwork to cover. Our pre-development loans help you finance early-stage costs like planning, studies, permits, and site prep—so you can move forward without waiting for full capital.
Charter School Financing
Growth comes with challenges. Our charter school financing supports expansions, new campuses, and staffing needs, without straining your budget. We help you build the future while staying financially steady.
Nonprofit Loans for Hospitals
Slow reimbursements and rising costs can make operations tough. We provide fast access to working capital for nonprofit hospitals, so you can cover expenses, upgrade equipment, or manage liquidity without disruption.
Faith-Based Loans
Traditional lenders don’t always understand faith-based missions. Our mission-aligned financing is different—tailored to help you expand, launch new programs, and serve your community, all while staying true to your values.
How It Works
We’ve partnered with thousands of nonprofits—and no two are the same. That’s why our process is built to meet you where you are, offering clarity, flexibility, and a team that truly listens.
Step 1: Tell Us About Your Organization
Start with a quick online application, just share some basic info about your nonprofit, what you need funding for, and how much you’re looking to access.
Step 2: Get Matched with the Right Solution
We work with you to understand your goals, then guide you toward the financing option that fits—whether that’s a flexible credit line, short-term bridge loan, regular term loan, or something custom-built for your organization.
Step 3: Get Approved and Funded
Once approved, we move quickly and you’ll have access to your funds in just a few days.
Why Work With B Generous?
We built the largest nonprofit credit marketplace in the U.S. because traditional lending doesn’t always work for mission-driven organizations.
By connecting nonprofits to a wide range of trusted bank and nonbank lenders, we’ve helped move millions into the hands of changemakers. Will you be next?
Frequently Asked Questions
Nonprofit organizations have access to several types of loans tailored to their unique needs and financial structures
– Lines of credit – for short-term cash flow needs
– Bridge loans – to cover gaps between grant or donation receipts
– Term loans – for larger investments like expansion or equipment
– Equipment Financing – loans are specifically structured to fund the purchase of equipment or software
– Working Capital Loans – a type of catch all category of loans that provide nonprofits with the funds they need to cover daily operational expenses.
– Pre-development loan – a type of short-term financing used to cover the early-stage costs of a real estate development project before construction begins.
– Real Estate Loans – designed for purchasing or refinancing real estate properties. Hospitals, schools, pet shelters and other nonprofits who require larger facilities often seek these loans.
Key factors include:
– Annual revenue and expenses
– Cash flow consistency
– Diversity of funding sources
– History of grants/donations
– Debt service coverage ratio (ability to repay)
– Organizational stability and leadership
– A line of credit is revolving—you draw and repay as needed, useful for short-term gaps.
– A term loan is a lump sum with scheduled repayments over a set period, better for long-term projects.
It depends on your organization’s size, revenue, and financial strength. Loans typically range from $100,000 to $5 million but we can lend up to $50 million. We will assess your financials and recommend an appropriate amount.
Most lenders ask for:
– IRS Form 990
– Recent audited or internal financial statements
– Operating budget
– Board resolution authorizing borrowing
– Cash flow forecasts or projections
– Schedule and details of existing debt and liens
– Possibly grant award letters or donation history
Rates vary by lender, but B Generous works with the largest number of mission aligned lenders in the nation so rates are competitive and terms are nonprofit friendly.
This depends on the complexity and size of the loan request. However, most credit decisions are issued within 2 weeks of receipt of all documents, with funding for approved loans available within days after that.
Most nonprofit loans allow early repayment without penalty. However, you should always check that in your loan documents
Yes. B Generous connects your organization to the nation’s largest network of nonprofit lenders offering fast, flexible, affordable loans tailored to your needs.
You may be ready if:
– You have a clear need and plan for the funds
– You can demonstrate reliable revenue or grant funding
– You understand the repayment obligations
We provide financing to all types of U.S.-based nonprofit organizations (501(c)(3)(4) and more) — from education and healthcare to the arts and animal welfare. To qualify, your nonprofit must be headquartered in one of the 50 U.S. states, maintain a U.S. bank account, and be in good standing with the IRS. International operations are welcome, as long as your main office is in the United States.
Connect with our team to access your funds now
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