Commercial Real Estate

BCL provides financing to develop affordable housing, community facilities, and mixed-use developments in underserved neighborhoods throughout Anne Arundel County, Baltimore City, Baltimore County, Carroll County, Harford County, and Howard County.

Through our real estate arm, Baltimore Community Lending provides access to capital for small real estate developers and small businesses. We work with different types of borrowers—from developers and individual investors, to non-profits and community partners—to transform and revitalize underserved neighborhoods.

Our underwriting criteria is flexible enough to consider most requests that fit our community development mission. We also provide technical assistance and capacity-building training on financial structuring, construction management, and oversight.

We make loans to both non-profit and for-profit commercial real estate developers who:

  • May be unable to get a loan from a bank
  • Are committed to revitalizing underserved neighborhoods
  • Need financing for projects that increase opportunities for affordable homeownership and rentals

Our dedicated, locally-based team is available to provide comprehensive, ongoing support. We are here to assist throughout the application, construction, and loan processes.


To get started with applying for a commercial real estate loan, please email or call 410-862-0938.

Predevelopment Loan Program

Commercial Loan

Guidance Line of Credit

From $250,000 - $2.5 million