Illinois · Nonprofit
THE CHICAGO COMMUNITY LOAN FUND
THE CHICAGO COMMUNITY LOAN FUND (Illinois) receives grants from 28 organizations whose IRS filings report $37,685,558 to it, the largest being NATIONAL PHILANTHROPIC TRUST ($25,006,000). 15 of them have funded it in more than one year, and 84% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2025
- $33M
- Funders on record
- 28
- Grants received
- $38M
- Net assets
- $70M
What The Chicago Community Loan Fund does
Mission
Organization provides low-cost, flexible financing to non-profit and for-profit community development organizations for the revitalization of low and moderate income neighborhoods throughout metropolitan chicago.
As stated on its FY2025 Form 990.
Programs
Lending - cclf operates as a revolving loan fund, providing financing through its loan pool of lending capital for affordable housing, nonprofit facility and office space, commercial and retail development and other activities. These projects promise high social impact through the production and preservation of affordable housing, job creation and other services for low and moderate income individuals, families and communities.
$19,159,195 spent$81,628 earned by the program94% of program spendingTechnical assistance - cclf's gateway to community development program provides technical assistance to borrowers and non-borrowers through time sensitive real estate development advice and referrals, a range of workshop topics, facilitated planning processes and support for sustainable building practices.
$728,625 spent$9,431,906 earned by the program4% of program spendingEconomic development - cclf is historically a niche lender: one that meets the financing and technical assistance needs that are unmet in the low to moderate income communities. The 2017 - 2020 strategic plan has directed a course of collaborative relationships, exploration of available programs new to cclf and the co-creation of programs to build and/or rehabilitate commercial real estate. This program is designed to research and finance such opportunities.
$500,040 spent2% of program spending
The 3 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $20,387,860.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2023 to 2024, from $180M to $206M (+14%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 42% · 2018 20% · 2019 11% · 2020 16% · 2021 12% · 2022 5% · 2023 34% · 2024 4% · 2025 1%. Grants only. Government contracts and fees sit inside program revenue.
66% of THE CHICAGO COMMUNITY LOAN FUND’s revenue is contributions — more donation-reliant than the typical peer (61% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Board chair
Erik Hall
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 3 funders to 9 funders, grant income rose $685k → $1.5M.
7 of 28 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 84% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of THE CHICAGO COMMUNITY LOAN FUND’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
THE CHICAGO COMMUNITY LOAN FUND leans on a few funders — its largest provides 66% of grant income and the top three 88%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
86% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund THE CHICAGO COMMUNITY LOAN FUND.
Largest funder’s share by year: 2017 73% · 2018 54% · 2019 33% · 2020 27% · 2021 76% · 2022 68% · 2023 64% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
32% of THE CHICAGO COMMUNITY LOAN FUND's funders are still giving 3 years after their first grant; 54% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
84% of THE CHICAGO COMMUNITY LOAN FUND's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Of the $6.2M that is directly attributable, 52% of it comes from Illinois funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $31M arriving through sponsors registered in 6 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
THE CHICAGO COMMUNITY LOAN FUND runs a healthier operating margin than three-quarters of the 328 community improvement nonprofits its size.
this organization peer median middle 50% of peers· 328 community improvement nonprofits $10M–$100M, FY2025
Government funding THE CHICAGO COMMUNITY LOAN FUND receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $9.8M on record.
- Department of the Treasury$9.8M
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like THE CHICAGO COMMUNITY LOAN FUND
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Illinois
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
87% of spending goes to programs.
Governance
Public support
52%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 2 related entities
- Cclf Nmtc Nfp · disregarded
- Cclf Sub-Cde 5 LLC · partnership
Screen this organization
A dated, signed PDF of the compliance screen for THE CHICAGO COMMUNITY LOAN FUND: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds THE CHICAGO COMMUNITY LOAN FUND?
- THE CHICAGO COMMUNITY LOAN FUND (Illinois) receives grants from 28 organizations whose IRS filings report $37,685,558 to it, the largest being NATIONAL PHILANTHROPIC TRUST ($25,006,000). 15 of them have funded it in more than one year, and 84% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does THE CHICAGO COMMUNITY LOAN FUND have?
- IRS filings report 28 organizations giving $37,685,558 in grants to THE CHICAGO COMMUNITY LOAN FUND, 15 of which have funded it in more than one year.
- Who is the largest funder of THE CHICAGO COMMUNITY LOAN FUND?
- NATIONAL PHILANTHROPIC TRUST is the largest funder on record, with $25,006,000 in grants. The full list of funders is on this page.
- How can an organization like THE CHICAGO COMMUNITY LOAN FUND find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Illinois. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Chicago Community Loan →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 28 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing