Baltimore Community Lending offers three main loan products:  guidance line of credit, a construction / mini-permanent, and construction loan. Additionally, our underwriting criteria is flexible enough to consider most requests that fit our community development mission. We also provide technical assistance on financial structuring, construction management and oversight.

Following are general terms and conditions under which BCL loans are made. These terms and conditions are subject to change without notice.


Projects recommended for financing must meet BCL construction requirements and other loan criteria, and are subject to approval of the BCL Loan Committee. Contact BCL at (410) 727-8590 and speak with a loan officer to learn more about our financing terms, or download our loan application here.


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