Songer Whitewater, Inc,

What We Do

The Natural Capital Investment Fund (NCIF) is a business loan fund that provides debt and equity financing to small businesses located in North Carolina, Northeast Tennessee, Southwest Virginia and West Virginia.

NCIF financial products provide critical, timely capital that supports business expansion, creates employment opportunities, and develops the rural tax base. NCIF also provides targeted technical assistance to build the non-financial capacity of our clients.

Our Services

A Mission-Oriented Approach to Underwriting

NCIF is dedicated to making investments in companies and projects that promote sustainable development and have a positive impact on human health and the natural environment.

Sectors of particular interest include: heritage and recreation-based tourism, value-added and sustainable agriculture, water/wastewater treatment, sustainable forestry and forest products, integrated waste management, and recycling.

Learn more about our triple bottom-line approach.

Invest in NCIF

© FLS Energy

Your support will help us continue to find, support and fund entrepreneurs who are demonstrating, that triple-bottom-line businesses can sustain rural communities and their natural resources.

NCIF Partners to Offer New Markets Tax Credit Products

In 2008, NCIF established a formal working partnership with CEI Capital Management, LLC to provide access to New Markets Tax Credit-based loan funds in our four state service area. This partnership represents a unique opportunity to accelerate the development and implementation of triple bottom line projects in rural Appalachia and the Southeast. Read more>