After working in the industry for more than 12 years, I have come to the conclusion that banks are really quite different when it comes to what they offer clients. According to the client’s credit worthiness, banks either offer something unique or across the board, offer nothing. In other words, if you are a credit worthy non-profit, banks come out of the woodworks with unique additions to their term sheets while un-credit worthy clients get turned down from every direction. Here are a couple of unique offerings to credit worthy clients from different banks that I have seen recently:


  • No construction monitoring on new projects
  • No bank upfront fee
  • Guarantee loan renewal after each term
  • 5% of liquidity to outstanding debt
  • No Deed of Trust requirement
  • Fixed rates under 2%


If you are looking for financing for your non-profit, these incentives should motivate any potential borrower.