The Capital District Community Loan Fund (CDCLF) is a non-profit community development financial institution serving the Capital Region.  It serves as a community-based lender to expand access to credit and capital in disadvantaged communities.  Typical loans are given for the development of housing and other facilities, and can be used toward working capital, equipment, inventory, site acquisition, or new construction. Both short- and long-term loans are available, with a modest application fee, and loan applications may be submitted at any time. Entrepreneurs and community groups are encouraged to contact the Community Loan Fund early in the planning and development of an idea.  For more information, or to set up an appointment, call CDCLF at (518) 436-8586, or visit their website at www.cdclf.org