Baltimore Community Lending supports the revitalization and strengthening of underserved neighborhoods through innovative and flexible financial resources designed to promote community development.



Baltimore Community Lending is a Community Development Financial Institution (CDFI) serving the Baltimore Metro area: Baltimore City, Anne Arundel County, Baltimore County, Carroll County, Harford County, and Howard County.

We’re 100% dedicated to delivering responsible, affordable lending products to help low-income, low-wealth, and other disadvantaged people and communities join the economic mainstream. We’re making loans to small real estate developers and small business owners committed to developing underserved neighborhoods.

2021 Annual Report

Our 2021 Annual Report is here! Learn how BCL supported real estate developers and small businesses in Baltimore this past year.


We are open Monday through Friday to serve you five days a week.

Office Phone: 410.727.8590 | Fax: 410.319.0734
Small Business [email protected]
Real Estate [email protected]
Watchen Bruce headshot picture IMG-20220626-WA0008


It’s Not About Me. It’s About The Community!

While growing up in Liberia, Watchen stood out among her peers through her compassion for better education, housing, finances, economics and healthcare in distressed African communities. Her motto is: ‘It’s not about me.” This belief has led to her successful 30-year career in the U.S. advocating for affordable lending to help re-energize low-income, low-wealth, and other disadvantaged people and communities. Now, Watchen is leading Baltimore Community Lending as we support real estate projects and small businesses that revitalize Baltimore neighborhoods. Because it’s about the community! Read more about Watchen.


A few thoughts from our customers on “Baltimore Community Lending.”

“I didn’t know how I was going to get the money to start my business. Other banks said I didn’t have the credit score they needed and that I wasn’t going to be able to do this. Because of BCL I’m 26 years old, a year and a half out of college, and I’m an entrepreneur providing generational wealth for my family. Without BCL, I don’t know what I would be doing today.” – Kevin Antoine, owner, KWJW Distributors

“Baltimore Community Lending was very helpful for us after we moved into the Lion Brothers building and were struggling to find a way to get expenses covered. Baltimore Community Lending was a saving grace.” – Dorian Brown, owner, Neopol Savory Smokery

“I first learned of Baltimore Community Lending (BCL) at the 2015 Baltimore City Vacants to Value Summit hosted at the convention center. BCL financed my first Baltimore deal in 2016. From that moment on I did not view our relationship as bank and client, but rather a strategic partnership. I can honestly say I am not certain that my company would be where it is today if not for BCL!” – Alex Aaron, North Bethel LLC

“BCL worked extensively with NR2C LLC to help us resolve some of the issues that we faced at one point like swapping some of our properties with Baltimore City. It would have been a daunting task if it wasn’t for BCL’s great staff who scheduled multiple meetings with City officials. Also BCL organized a meeting between their investors and BGE. It was a very helpful meeting that answered most of our questions with BGE. Not many lenders would go to that length. They’re extremely supportive and a great resource!” – Ukamaka Udeh, NR2C LLC


Check out the latest at Baltimore Community Lending.

Get news from Baltimore Community Lending in your inbox.

By submitting this form, you are consenting to receive marketing emails from: Baltimore Community Lending, 875 Hollins Street, Baltimore, MD, 21201, You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact

Memberships and Certifications