Delmarva Community Services (DCS) stepped up to the plate six years ago when the local community action agency failed.

They applied to the state to take over their services. DCS inherited the building of the previous agency in the process. The building was in bad condition and it was located in an unsafe location. It was also not large enough to house their current services along with the new ones they would take on as the local community action agency.

The organization located another building, purchased it and began renovations in January of 2012. The project kept growing to a point where they needed more capital for the renovations. USDA would have come through eventually with a loan, but the paperwork would have delayed the project. They couldn’t secure a loan from a bank because the governmental loan always takes a first place lien. That is when they turned to the NCALL Loan Fund.

“It was great to talk to people who understand your organization and your needs,” said Santo Grande, the organization’s Executive Director.

Loan Fund Success Story

Fiscal Director Cathy Frey agreed, “We support our mission instead of the bottom line. It was great to work with NCALL because they get that. I have thoroughly enjoyed the relationship.”

NCALL’s loan kept the construction and renovation moving forward. “The project came to fruition faster and cost us so much less,” Cathy said.

The community center was completed in the fall of 2012 after a full renovation of the existing 8,500 square feet and the addition of 5,000 square feet. This extensive facility in Cambridge, Maryland houses a large food pantry, an industrial and therapeutic center for developmentally and physically disabled individuals, a greenhouse, home foreclosure assistance, financial aid for rental assistance, budgeting classes, free income tax preparation and a housing rehabilitation program that aims to preserve local housing to provide a decent living environment for low-and-moderate income individuals and persons with disabilities.

More than 1,000 families are now served monthly out of this newly expanded and renovated building. Permanent financing was provided by USDA Rural Development’s Community Facilities Program. According to Santo, “We are here to serve the individual. We will continue to partner with NCALL for many more efforts.”

NCALL was pleased to follow it’s mission and strategic plan of deploying loans throughout Delmarva, including the Maryland and Virginia Eastern Shore. The Loan Fund looks forward to assisting Delmarva Community Services in the future.


Loan Fund


NCALL is a certified Community Development Financial Institution (CDFI), certified by the U.S. Department of Treasury, and its Loan Fund has been providing community development lending opportunities and financial services primarily to nonprofit borrowers throughout the Delmarva Peninsula since 2004.



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