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· Public charity

Community Loan Fund of the Capital Region Inc

Community development financial institution that links socially concerned investors with community needs by making affordable housing, community and economic development loans to nonprofit orgs, small businesses and low/moderate income persons.

$1.6M
Granted FY2024still arriving
4
Grants FY2024still arriving
1
States reached
$600k
Largest
01What it funds
0194% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2020 to 2024.

Housing & Shelter$2.5MCommunity Improvement$1.0MPublic Safety & Disaster$114kHuman Services$18kFood & Nutrition$7kHealth$5kOther$0
02FY2024 · 4 grants

Where the money goes

Grants by size, and the largest recipients.

By grant size · FY2024

  • $50k–250k1 grant · $102k
  • $250k+3 grants · $1.5M
$533,334
Median grant
1
States reached
$25M
Total assets
Largest grants
RecipientAmount
TAP INC$600,000
AFFORDABLE HOUSING$533,334
ALBANY COMMUNITY LAND TRUST$360,000
20 OTHERS 10000 AND LESS$101,827
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 (FY20–24) land where the poverty rate runs at 13%, against an area that typically sits at 8%. 100% of its dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 8%REWIRE GROUP LLC: $11k → 7%KIDS CLOSET CONSIGNMENT BOUTIQUE: $8k → 10%TAP INC: $600k → 11%ROSETTA CORPORATION: $10k → 12%ADIRONDACK CHAMOIS INC: $10k → 13%ADIRONDACK COMMUNITY HOUSING TRUST: $40k → 13%HAPPY ELECTRIC INC: $6k → 14%SHREE GANESH SALONS LLC: $8k → 12%ACTIVE WELL FAMILY CHIROPRACTIC: $10k → 13%EXIT BAR AND LOUNGE: $5k → 14%VARIOUS NON-PROFITS CITY OF SCHENEC: $191k → 12%B LODGE CO INC: $20k → 14%BETTER COMMUNITY NEIGHBORHOODS INC: $49k → 12%SPINNING YARN TALES LLC: $10k → 14%BETTER COMMUNITY NEIGHBORHOODS INC: $47k → 12%AFFORDABLE HOUSING: $726k → 14%AMELIA'S ITALIAN EATERY: $7k → 12%AFFORDABLE HOUSING: $533k → 14%ROBINSON CONTRACTING CONSTRUCTION: $6k → 12%ALBANY CENTER FOR ECONOMIC SUCCESS: $479k → 14%ALBANY CENTER FOR ECONOMIC SUCCESS: $213k → 14%20 OTHERS 10000 AND LESS: $102k → 14%ALBANY COMMUNITY LAND TRUST: $100k → 14%KAREN MAXWELL DBA KEMA'S KREATIONS: $20k → 14%JAFJR CONSTRUCTION SERVICES LLC: $18k → 14%JAFJR CONSTRUCTION SERVICES LLC: $10k → 14%OTHER: $7k → 14%ALBANY COMMUNITY LAND TRUST: $360k → 14%ALBANY COMMUNITY LAND TRUST: $64k → 14%ANDERSON CONSTRUCTION CORPORATION: $20k → 14%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.

67%of every dollar goes to organizations it has funded before.
$2.6M · 4 repeat orgs$1.2M to everyone else

Grantees it renews have grown median revenue +58% since the first grant, against -58% for those funded once.

4 repeat relationships: 2 still active in FY2024, 2 since wound down; 2 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

4
21

Total granted

$2.6M
$539k

Median revenue growth · since first grant

+58%
-58%

Still filing today

100%
5%

New vs renewed · share of each year

In FY2024, 56% of grant dollars renewed an existing relationship; $702k went to new ones.

50%100%’20’22’23’24
RenewedFirst-time

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

’20’22’23’24
Housing & ShelterEnvironmentCommunity ImprovementOther
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

  • AH
    AFFORDABLE HOUSING PARTNERSHIP OF THE CAPITAL REGION INC
    2× · 2023–2024 · $1.3M · revenue +58% · 61% of their budget
  • AC
    ALBANY COMMUNITY LAND TRUST
    3× · 2020–2024 · $524k · revenue +23%
  • BC
    BETTER COMMUNITY NEIGHBORHOODS INC
    2× · 2020–2023 · $96k · revenue +165%

Funded once

  • CO
    CITY OF SCHENECTADY
    one grant, 2023 · $191k
  • IG
    Individual grant recipient
    one grant, 2020 · $92k
  • AL
    ADIRONDACK LAND TRUST INC
    one grant, 2023 · $40k · revenue -58%
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
04the grantee network

5 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. 5 of the 27 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.

2
Load-bearing (≥25% of a budget)
2
Early backer (in before they grew)
5/5
Grantees still filing
3/5
Grew since first funded

Where the money sits, by cause and then by grantee

AFFORDABLE HOUSING PARTNERSHIP OF THE CAPITAL REGION INC: $1,258,906 · Housing & ShelterAFFORDABLE HOUSING PARTNERSHIP OF THE CAPITAL REGION IN…ALBANY COMMUNITY LAND TRUST: $524,151 · Housing & ShelterALBANY COMMUNITY LAND TRUSTBETTER COMMUNITY NEIGHBORHOODS INC: $95,859 · Housing & ShelterTAP INC: $600,000 · OtherTAP INCCITY OF SCHENECTADY: $191,000 · OtherCITY OF SCHENECTADY20 OTHERS 10000 AND LESS: $101,827 · Other20 OTHERS 10000 AND LESSIndividual grant recipient: $91,500 · OtherIndividual grant recipient+18 more: $216,190 · Other+18 moreALBANY CENTER FOR ECONOMIC SUCCESS INC: $692,085 · Community ImprovementALBANY CENTER FOR EC…ADIRONDACK LAND TRUST INC: $40,000 · Environment
Housing & Shelter$1,878,916Other$1,200,517Community Improvement$692,085Environment$40,000

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

25%50%75%100%$1.0Mgrantee revenue →↑ funder's share of their budgetAFFORDABLE HOUSING PARTNERSHIP OF THE CAPITAL REGION INC: $1,258,906 over 2y, 61% of budgetALBANY CENTER FOR ECONOMIC SUCCESS INC: $692,085 over 2y, 80% of budgetALBANY COMMUNITY LAND TRUST: $524,151 over 3y, 24% of budgetBETTER COMMUNITY NEIGHBORHOODS INC: $95,859 over 2y, 1.5% of budgetADIRONDACK LAND TRUST INC: $40,000 over 1y, 0.5% 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.

  • Who funds AFFORDABLE HOUSING PARTNERSHIP OF THE CAPITAL REGION INC ↗
  • Who funds ALBANY CENTER FOR ECONOMIC SUCCESS INC ↗
  • Who funds ALBANY COMMUNITY LAND TRUST ↗
  • Who funds BETTER COMMUNITY NEIGHBORHOODS INC ↗
  • Who funds ADIRONDACK LAND TRUST INC ↗

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.

The Community Foundation for the Greater Capital Region IncNY13.3× affinity4 shared granteesties to 1 of 1Hover any node to trace its alignments.Compare side by side →

Open a dossier: The Community Foundation for the Greater Capital Region Inc · Donor Advised Charitable Giving Inc

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 the Capital Region Inc funds: left to right is the share of its income from government, bottom to top the share from Community Loan Fund of the Capital Region Inc. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%6%23%51%90%funder's share of their income ↑0%10%20%30%40%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    2report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–40%
    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 27 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 2024, released 2024. 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 the Capital Region’s filings →

    More from the funding graph