• “Now people tell us all the time that they love their jobs”

    Rebecca Koehler, Marketing Coordinator, Cooperative Care

Capital that Supports a Co-op’s Mission and Structure

Click here to connect with us about a loan or line of credit.

Shared Capital Cooperative offers co-op-friendly financing. We have been providing loans to co-ops for 45 years and have financed more than 940 cooperative projects. As a co-op ourselves, we understand the unique ownership, governance and capital structures of cooperatives.

With capital sourced from cooperatives and their allies, we offer capital that aligns with cooperative values and supports democratic ownership. A loan from Shared Capital can help your co-op achieve its goals, while also strengthening the cooperative economy by keeping capital circulating in the cooperative economy.

We are committed to advancing racial equity and social and economic justice. Therefore, we especially seek to support cooperatives that are organized by low-income, economically and socially disadvantaged communities and that build economic opportunity, create living wage jobs, provide access to healthy food, and offer dignified, affordable housing.

Who Can Borrow

Any business or housing organization in the US operating and governed on a cooperative basis is eligible to apply for financing. Borrowers include worker, consumer, producer and housing cooperatives. A co-op must be a member of Shared Capital Cooperative to borrow. Learn more about joining Shared Capital Cooperative.

What Kind of Loans are Available

Loans of $5,000 to $1,000,000 are available for one to ten years. For projects requiring more, we can partner with other lenders. Loans are made to cooperatively owned small business, microenterprises, commercial real estate and multi-family and affordable housing.

Business Loans

  • Expansions and relocations
  • Leasehold improvements
  • Equipment
  • Inventory
  • Working capital
  • Real estate acquisition or refinance
  • Startup
  • Conversion to cooperative ownership

Housing Loans

  • Real estate purchase / mortgage
  • Refinance a mortgage
  • Rehab, repairs and improvements

To apply for a loan, connect with us here.

For more information, schedule a time to talk to a member of our Lending Team here or email

To apply for a loan, or inquire about loans, contact Roderick McCulloch.

Nondiscrimination Notice

In accordance with federal law and U.S. Department of the Treasury policy, this institution does not discriminate on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to:

Special Programs