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Map of the United States with highlights on the following served areas: North Carolina, South Carolina, Virginia, Washington D.C., West Virginia
Areas Served
North Carolina
South Carolina
Washington D.C.
West Virginia
Office Locations Durham & Charlotte, NC
Contact Email [email protected]

Institute Capital strengthens the asset base of diverse populations through policy, education and economic opportunities.

Lending Focus

Institute Capital provides debt and investment capital to affordable housing developers, community-based development organizations (CBDOs) and small businesses.

Loans At A Glance

Loan Amounts Provided

Up to $500,000 for small businesses; up to $750,000 for affordable housing developers

Eligibility Criteria

  • Minimum credit score: 600
  • Reasonable collateral required
  • DCSR 1.2 for businesses < 3 years
  • 1.1 for businesses > 3 years

Loan Types

Small business, affordable housing developers, community facilities

Client Success Story

F7 Development, Inc is owned and operated by an African American affordable housing developer, James Montague. His work began with a focus on Southeast Raleigh, ensuring that affordable housing was a priority for low-to-moderate income families. He recently partnered with a local community development corporation (CDC) to develop affordable housing in a neighborhood that abuts to HBCU (historically black college or university) and partnered with Institute Capital provided a layer of funding to close the deal. The successful history of F7 Development, Inc. has positioned Montague to win a bid along two large developers on a 1,000-unit affordable housing project in Durham, NC.