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Conservation Finance Loan Program FAQ

Connecticut River Valley, Monkman Photo  

In what regions does OSI provide loans?

OSI has established lending programs in the Northern Forest, Massachusetts, New York, New Jersey, Pennsylvania and the Southern Appalachians.   

Who Can Apply for a Loan?

Established non-profit land conservation organizations and land trusts with 501(c)(3) status are eligible to apply for loans for projects with high conservation value. Public entities are not eligible, although applications are welcome from their non-profit partners. Successful applicants must possess sufficient organizational and financial capacity; prior land acquisition expertise; and conservation commitment.

What are OSI’s Loan Terms?

CFP will generally make bridge loans of up to three years.  Interest rates are generally lower than those offered by commercial banks, and will vary depending on the region and the project. Collateral/security for loans is generally required, and specific requirements will vary depending on the project   Repayment terms can be flexible and will be set in accordance with project needs. Eligible projects must have a high probability of success and reliable sources of repayment.  Borrowers are responsible for loan repayment regardless of project outcome. 


Download a loan application here.  The application will familiarize you with our documentation requirements.  We encourage you to contact the Field Coordinator for your region prior to applying.  Your Field Coordinator will help you in the project pre-qualification process and provide valuable guidance in the application process.  All loan applications are screened by OSI staff and are subject to approval by the OSI Board of Trustees. Loan closings are coordinated between OSI staff and counsel for borrowers. 

When Does OSI Accept Applications?

OSI accepts applications on a continuous basis.

How Long Does it Take to Process a Loan Application?

The entire process, from receipt of an application to loan, may take five weeks or more, and can vary greatly depending on the project. We encourage prospective applicants to contact us as early as possible in the process in order to assure efficient timing. 




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