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Community Loan Fund of New Jersey Inc at a glanceMostly funded, not a grantmaker: see who funds it →

· Public charity

Community Loan Fund of New Jersey Inc

To transform at-risk communities through strategic investments of capital and knowledge.

$522k
Granted FY2025still arriving
2
Grants FY2025still arriving
1
States reached
$216k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2017 to 2024.

Housing & Shelter$4.6MYouth Development$1.7MEmployment$195kCommunity Improvement$183kHuman Services$54kHealth$21kArts & Culture$15kEnvironment$15kOther$0
02FY2025 · 2 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 2 grants below total $413,797, the rows itemized in this filing. The $522,079 headline is the total grant expense on the return; the other $108,282 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.
$215,640
Median grant
1
States reached
$261M
Total assets
Largest grants
RecipientAmount
URBAN PROMISE TRENTON$215,640
ISLES INC$198,157
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Dollar for dollar, its grants (FY17–25) land where the poverty rate runs at 9%, against an area that typically sits at 10%. 42% of its dollars go to grantees based in above-average-need neighborhoods. Its grants spread fairly evenly across need levels.

area typical 10%PATHSTONE CORPORATION: $10k → 14%THE FAF COALITION: $15k → 8%COMMUNITY ASSET PRESERVATION CORPORATION: $2.1M → 8%URBAN PROMISE TRENTON: $335k → 11%STAND UP FOR SALEM INC: $15k → 11%HAMMONTON REVITALIZATION CORPORATION: $15k → 11%COOPERATIVE BUSINESS ASSISTANCE CORPORATION: $7k → 12%LINDSEY MEYER FOUNDATION: $11k → 14%Baysave Corporation: $15k → 16%GREATER NEWARK ENTERPRISES CORPORATION: $50k → 16%GREATER PITMAN CHAMBER OF COMMERCE: $15k → 8%Community Asset Preservation Corporation: $829k → 8%URBAN PROMISE TRENTON: $279k → 11%STAND UP FOR SALEM INC: $10k → 11%Allies in Caring Inc: $11k → 11%HOLLY CITY DEVELOPMENT CORPORATION: $15k → 16%THE INTERSECT FUND: $50k → 16%NJCC LMI MORTGAGE PLATFORM LLC: $453k → 8%URBAN PROMISE TRENTON: $273k → 11%ALLIES IN CARING INC: $10k → 11%Boys and Girls Club of Vineland: $10k → 16%COMMUNITY ASSET PRESERVATION CORPORATION: $237k → 8%URBAN PROMISE TRENTON: $247k → 11%SOUTH JERSEY CULTURAL ALLIANCE: $10k → 11%Holly City Development Corporation: $11k → 16%COMMUNITY ASSET PRESERVATION CORPORATION: $176k → 8%URBAN PROMISE TRENTON: $216k → 11%HABITAT FOR HUMANITY ATLANTIC COUNTY INC: $15k → 11%Vineland DWTN Improvement District Mgmt: $6k → 16%COMMUNITY ASSET PRESERVATION CORPORATION: $138k → 8%Urban Promise Trenton: $208k → 11%MILLVILLE DEVELOPMENT CORPORATION: $10k → 16%Community Asset Preservation Corporation: $117k → 8%ISLES INC: $198k → 11%REVIVE SOUTH JERSEY: $12k → 16%COMMUNITY ASSET PRESERVATION CORPORATION: $36k → 8%Urban Promise Trenton: $181k → 11%ISLES INC: $178k → 11%ISLES INC: $143k → 11%ISLES INC: $137k → 11%URBAN PROMISE TRENTON: $99k → 11%A BETTER WAY INC: $54k → 11%HOMEFRONT INC: $86k → 11%URBAN PROMISE TRENTON: $33k → 11%HOMEFRONT INC: $70k → 11%A BETTER WAY INC: $29k → 11%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

90%of every dollar goes to organizations it has funded before.
$6.5M · 8 repeat orgs$719k to everyone else

Grantees it renews have grown median revenue +62% since the first grant, against +45% for those funded once.

8 repeat relationships: 2 still active in FY2025, 6 since wound down.

How the two cohorts compare

Re-uppedFunded once

Organizations

8
17

Total granted

$6.5M
$719k

Median revenue growth · since first grant

+62%
+45%

Still filing today

88%
76%

New vs renewed · share of each year

In FY2025, 100% of grant dollars renewed an existing relationship; $0 went to new ones.

50%100%’17’18’19’20’21’22’23’24’25
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’17’18’19’20’21’22’23’24’25
Community ImprovementHousing & ShelterEducationArts & CultureYouth DevelopmentInternationalOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • CA
    COMMUNITY ASSET PRESERVATION CORPORATION
    7× · 2017–2024 · $3.7M · revenue +316% · 38% of their budget
  • URBANPROMISE TRENTON INC
    9× · 2017–2025 · $1.9M · revenue +86% · 39% of their budget
  • ISLES INC
    4× · 2017–2025 · $656k · revenue +167%

Funded once

  • NL
    NJCC LMI MORTGAGE PLATFORM LLC
    one grant, 2024 · $453k
  • GN
    GREATER NEWARK ENTERPRISES CORPgraduated
    one grant, 2022 · $50k · revenue +25%
  • IF
    Intersect Fund Corp
    one grant, 2017 · $50k
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
New Brunswick Development Corporation
Human Services
2
Elizabeth Development Company of New Jersey

Job creation, attracting & retaining businesses and other economic development activities by providing grants and below-market rate loan programs through Urban Enterprise

Community Improvement
3
Vineland Development Corporation

Assist in the revitalization and redevelopment of the City of Vineland, encourage private investment, and assist in economic development.

Community Improvement
4
Jersey City Economic Development Corp

To promote, encourage and assist in the industrial, commercial and economic development of the city of jersey city, thereby increasing the commercial/trade of the city creating greater employment opportunities and broadening the tax base.

Community Improvement
5
Trenton Downtown Association Inc

To make the capital city of Trenton, NJ a more competitive location for business owners and an engaging center for workers, residents, and visitors.

—
6
Newark Alliance Inc

To work in partnership to make newark a better, safer place to work, live, learn, play, and do business.

Philanthropy
7
Camden County Council On Economic Opportunity

The organization operates programs that respond to the needs and problems of low to moderate income residents of camden county, nj.

Human Services
8
Habitat for Humanity of Salem County Inc

To build and refurbish homes for low income residents in Salem County, NJ

Housing & Shelter
9
Atlantic County Economic Alliance Inc

To sustain and diversify the economy in order to provide a high quality of life for all residents

—
10
New Jersey Alliance for Culture Change
Health
11
Central Brooklyn Economic Development Corp

Develop and provide affordable housing

Education
12
Barberton Community Development Corporation

To provide assistance to small businesses

Community Improvement
How this is measured
The grantee most central to the portfolio’s shape is Paterson Habitat for Humanity Inc Subsidiary; the most unlike its peers is BaySave. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

23 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 23 of the 25 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

5
Load-bearing (≥25% of a budget)
10
Early backer (in before they grew)
20/23
Grantees still filing
20/23
Grew since first funded

Where the money sits, by cause and then by grantee

COMMUNITY ASSET PRESERVATION CORPORATION: $3,665,344 · Housing & ShelterCOMMUNITY ASSET PRESERVATION CORPORATIONISLES INC: $655,636 · Housing & ShelterISLES INC+1 more: $25,500 · Housing & ShelterURBANPROMISE TRENTON INC: $1,871,526 · Youth DevelopmentURBANPROMISE TRENTON INCNJCC LMI MORTGAGE PLATFORM LLC: $453,000 · OtherNJCC LMI M…A BETTER WAY INC: $83,028 · OtherA BETTER W…Intersect Fund Corp: $50,000 · OtherIntersect …+7 more: $92,000 · Other+7 moreHOMEFRONT INC: $155,638 · EducationLINDSEY MEYER MEMORIAL FOUNDATION: $11,138 · EducationGREATER NEWARK ENTERPRISES CORP: $50,000 · Community ImprovementSTAND UP FOR SALEM: $25,000 · Community ImprovementHAMMONTON REVITALIZATION CORPORATION: $15,000 · Community ImprovementPATHSTONE CORPORATION: $10,000 · Community ImprovementCOOPERATIVE BUSINESS ASSISTANCE CORPORATION: $6,666 · Community ImprovementVINELAND DOWNTOWN IMPROVEMENT DISTRICT MANAGEMENT CORPORATION: $6,000 · Community ImprovementTHE FAF COALITION FAF COALITION: $15,000 · Arts & CultureSouth Jersey Cultural Alliance: $10,000 · Arts & CultureALLIES IN CARING INC: $20,500 · Health
Housing & Shelter$4,346,480Youth Development$1,871,526Other$678,028Education$166,776Community Improvement$112,666Arts & Culture$25,000Health$20,500

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$100k$1.0M$10Mgrantee revenue →↑ funder's share of their budgetCOMMUNITY ASSET PRESERVATION CORPORATION: $3,665,344 over 7y, 38% of budgetURBANPROMISE TRENTON INC: $1,871,526 over 9y, 39% of budgetISLES INC: $655,636 over 4y, 3.7% of budgetHOMEFRONT INC: $155,638 over 2y, 0.7% of budgetGREATER NEWARK ENTERPRISES CORP: $50,000 over 1y, 2.1% of budgetHOLLY CITY DEVELOPMENT CORPORATION: $25,500 over 2y, 2.2% of budgetSTAND UP FOR SALEM: $25,000 over 2y, 0.7% of budgetALLIES IN CARING INC: $20,500 over 2y, 1.2% of budgetBaySave: $15,000 over 1y, 55% of budgetPATERSON HABITAT FOR HUMANITY INC SUBSIDIARY: $15,000 over 1y, 0.1% of budgetPITMAN BUSINESS ASSOCIATION: $15,000 over 1y, 33% of budgetHAMMONTON REVITALIZATION CORPORATION: $15,000 over 1y, 9.1% of budgetHABITAT FOR HUMANITY ATLANTIC COINC: $15,000 over 1y, 8.9% of budgetREVIVE SOUTH JERSEY: $12,000 over 1y, 3.9% of budgetLINDSEY MEYER MEMORIAL FOUNDATION: $11,138 over 1y, 36% of budgetBOYS & GIRLS CLUBS OF CUMBERLAND COUNTY: $10,000 over 1y, 2.5% of budgetPATHSTONE CORPORATION: $10,000 over 1y, 0.0% of budgetSouth Jersey Cultural Alliance: $10,000 over 1y, 4.0% of budgetMillville Development Corp: $10,000 over 1y, 7.8% of budgetCOOPERATIVE BUSINESS ASSISTANCE CORPORATION: $6,666 over 1y, 0.4% of budgetVINELAND DOWNTOWN IMPROVEMENT DISTRICT MANAGEMENT CORPORATION: $6,000 over 1y, 2.2% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Community Foundation …Oceanfirst FoundationThe Bank of America C…Fidelity Investments …Amazonsmile Foundation
Community Foundation of New JerseyNJ21.4× affinity9 shared granteesties to 4 of 4Hover any node to trace its alignments.Compare side by side →

Open a dossier: Community Foundation of New Jersey · Oceanfirst Foundation · The Bank of America Charitable Foundation Inc · Fidelity Investments Charitable Gift Fund · Amazonsmile Foundation

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Community Loan Fund of New Jersey Inc funds: left to right is the share of its income from government, bottom to top the share from Community Loan Fund of New Jersey Inc. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 30%3%10%23%40%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 23%
  • South Jersey Cultural Alliance: 69% of income from government
  • Revive South Jersey: 38% of income from government
  • Cooperative Business Assistance Corporation: 30% of income from government
  • Stand Up for Salem: 23% of income from government
  • Isles Inc: 21% of income from government
  • Allies in Caring Inc: 20% of income from government
  • Homefront Inc: 9% of income from government
  • Urbanpromise Trenton Inc: 0% of income from government
no gov moneyreceives it· size = income
3get no government money at all
7report government grants on their 990 we could not trace to a source (not plotted)
1rely on government for over half their income
typical government reliance, FY20–25
How this is measured
Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 25 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

How this is measured
Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

Generated from the IRS Form 990 e-file return for fiscal year 2025, released 2025. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Source object · view filing

Play a game based on Community Loan Fund of New Jersey’s filings →

More from the funding graph

The unnamed billions
grants reported with no recipient in the public record
The regranting layer
51% of grant dollars land in the regranting layer
The DAF merry-go-round
$9.7B circulates between donor-advised funds
The endowment market
who holds foundation money, and what just moved
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home