Loans
TREC Community Investors specializes in capital that builds community. We share your commitment to revitalizing neighborhoods and advancing equity, but we also understand that some projects may not qualify for traditional bank financing.
As a Community Development Financial Institution (CDFI) certified by the U.S. Department of the Treasury, we offer our borrowers access to the capital and technical assistance needed to bring impactful real estate projects to life.
Loans are just the beginning of what we offer!
If you are a for-profit or nonprofit organization in Dallas or Collin County interested in pursuing a commercial real estate project benefiting low-to-moderate income communities, we may be able to help you, too.
For more information, please contact Community Investment Manager Kawanise Jordan.
Inquire About a Loan
If you’re looking for a proven partner to help you revitalize your Dallas neighborhood, we invite you to submit a loan inquiry form.
Through a TREC Community Investors loan partnership, borrowers gain two distinct benefits:
Access to Financial Capital
We provide flexible loans for qualifying organizations that want to transform underserved communities.
Access to CRE Expertise and Technical Assistance
TREC Community Investors is the only organization of its kind, uniquely pairing human capital with financial capital. Beyond loans, we offer our clients world-class expertise in commercial real estate, targeted education, and technical assistance. Our association with The Real Estate Council allows us to provide development services (many at no cost) and additional tools that can amplify community impact.
About Our Loans
Customers We (Typically) Serve
To date, our loans have supported organizations with qualified projects in Dallas and Collin counties. Typical customers include:
- Nonprofit and for-profit developers
- Social service providers
- Charter schools
- Small businesses
- Healthcare facilities
- Childcare providers
Eligible Project Types
- Community facilities
- Charter schools
- Community healthcare facilities
- Affordable housing (development and/or renovation)
- Commercial or mixed-use facilities (development, acquisition, and/or renovation)
Please note: We do not make mortgage loans to individuals interested in purchasing single-family homes. Our focus is providing bridge loans or lines of credit to housing developers.
Financing Options
- Predevelopment loans
- First lien loans
- Subordinate loans
- Participation loans
- Bridge loans for capital campaigns or government funding
- Land acquisition loans
Loan Terms
- Market rate interest
- Flexible term (no more than five years)
- Flexible repayment terms
- Generally secured by property or guaranty of parent organization
- 1 percent origination fee
Loan FAQs (Frequently Asked Questions)
How does TREC Community Investors provide loans?
TREC Community Investors is a Community Development Financial Institution (CDFI) that provides access to capital and technical assistance for real estate projects serving low-to-moderate-income neighborhoods or low-to-moderate-income communities.
What does it mean to be a CDFI?
Certified by the U.S. Treasury Department, a Community Development Financial Institution (CDFI) is a class of financial institution that caters to underserved and often low-to-moderate-income communities. CDFIs can be banks, credit unions, venture capital funds, or loan funds (such as TREC Community Investors).
Which customers does our CDFI serve?
To date, our loans have supported organizations with qualified projects in Dallas and Collin counties. Typical customers include:
- Nonprofit and for-profit developers
- Social service providers
- Charter schools
- Small businesses
- Healthcare facilities
- Childcare providers
Who oversees our CDFI?
Our CDFI is governed by a Board of Directors and an Advisory Board.
How is Community Investors different from a traditional lender?
Since our loans support projects in underserved and distressed neighborhoods, they represent inherently higher risk by conventional lending standards. Our customers may not be able to qualify for a traditional loan due to a lack of comparable projects or sufficient collateral. However, we can provide funding for those who share our goals and have a minimal repayment risk.
We also mitigate that risk by supporting our customers with pro bono development services and real estate training. Our educational programs — such as Real Estate Bootcamp and Real Estate 101 for Nonprofits — help to move projects toward successful outcomes through opportunities for mentorship and professional networking.
Do you make mortgage loans for single-family homes?
No, we do not make long-term loans to direct purchasers. Our focus is providing bridge loans or lines of credit to housing developers.
How can I apply or get involved?
If you are interested in applying for a loan, participating in a community training program, or volunteering, please contact Community Investment Manager Kawanise Jordan.