Through our real estate arm, Baltimore Community Lending provides loan capital for bricks real estate development. We work with different types of borrowers—from developers and individual investors, to nonprofits and community partners—to transform and revitalize Baltimore neighborhoods. BCL provides financing to develop affordable housing, community facilities and mixed-used developments in under-served neighborhoods in Baltimore City, Anne Arundel County, Baltimore County, Carroll County, Harford County, and Howard County.

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.

Guidance Line of Credit

Commercial Multifamily Loan

Subordinate Commercial Loan Program

Commercial Property Loan Program

Predevelopment Loan Program

See the table below for our General Terms and Conditions.


General Terms and Conditions

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 complete our loan application here.