Impact Focused Loans for Non-Profits
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How The Program Works

Financing shouldn't come at the cost of your mission.

So we bring together supporters, impact investors, and lending partners, we create financing solutions that lower costs and increase impact for your organization.
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Your Mission Needs Funding

Refinance debt, purchase property, expand facilities, or fund a new project.

Refinance Debt

Buy Property

Expand Facilities

Fund Growth

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Semble Builds the Strategy

We evaluate every option and design a customized financing strategy tailored to your goals.

  • Financial review
  • Funding options analysis
  • Customized structure
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Supporters Join the Mission

Your supporters and impact investors can participate to help fund the opportunity.

Impact Investors

Community Supporters

Retirement Fund Investors

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Lending Partners Fund the Vision

We work with banks and lending partners to secure traditional financing as part of the overall solution.

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Capital Is Secured

All funding sources come together to create one powerful financing solution.

  • Terms finalized
  • Funds structured
  • Capital deployed
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More Resources for Your Mission

Lower payments. Stronger relationships. More resources to serve your community and expand your impact.

Lower Payments

Stronger Relationships

Greater Impact

More Resources

Everyone Benefits

Nonprofits

Lower financing costs, greater flexibility, and more resources for your mission.

Supporters

The opportunity to create financial and social impact by investing in causes you care about.

Communities

Stronger organizations mean more programs, services, and impact for communities.

The Outcome

Lower Payments. Greater Impact. Mission Maximized.

Semble helps nonprofits break free from high-cost debt so they can focus on what matters most—their mission.

Let's Talk About Your Goals

NEW HORIZONS & UNION CHURCH

DAVE HILL
NONPROFIT BOARD LEADER & COMMUNITY INVESTOR

SAMBICA

MATT WIMMER
CEO & PRESIDENT

Impact Stories

We help organizations reduce costs, improve financial flexibility, and free more resources for mission growth through a simple, transparent process.

Youth Camp: Refinance

Loan Amount: $450,000
Interest Rate: 1.78%
Payment Savings Per Month: $3,000

“Semble’s program provided a payoff strategy the camp never had before and now we can look towards the future… It has created new relationships with people that hadn’t given in the past.”— Executive Director

The camp was trapped in a perpetual state of debt thanks to a bank loan carrying an interest rate of nearly 7 percent. As a result of Semble’s assistance with this loan, the camp was able to dramatically lower its interest rate, pulling it out of the perpetual state of debt and putting it on a path to retire the loan in just seven years. It also helped them develop strong donor relationships with families who had not historically donated to the camp. The camp paid off its loan in just over three years after investors forgave more than $50,000. They credit Semble’s assistance as a vital key to becoming debt free.

 

Own vs. Rent

Loan Amount: $2,300,000
Interest Rate: 3.77%
Payment Savings Per Month: $9,200

“When I think of Semble, I think of good stewardship. Working with Semble has been great… we highly recommend them.”— Senior Pastor

The church was able to transition from renting space on a weekly basis to owning their own beautiful facility, a move that would have been impossible with a traditional bank option. Recognizing that renting space often limits the capacity for growth, the church enlisted Semble’s help to provide a loan solution that was manageable based on their existing financial condition. As a result, they were able to buy their own permanent location, which led to significant increases in attendance and giving, enabling the church to accelerate paying off their debt. Investors expressed genuine gratitude for the opportunity to realize a return while knowing their money was making a difference in their community.

School: Expansion

Loan Amount: $7,000,000
Interest Rate: 3.98 %
Payment Savings Per Month: $23,200

“It is through Semble’s service that we were able to complete the elementary building project. You have created a long-lasting effect on the education of many students now and far into the future.”— Headmaster
During a time when construction financing was difficult to secure—despite the school’s creditworthiness—Semble was able to secure financing for an expansion project on the school’s main campus. This allowed them to transition their elementary grades to this campus, which now serves students from pre-kindergarten to 12th grade. Semble’s approach provided a more cost-effective solution than traditional bank financing and opened the door to expanding the school’s relationship with community donors who, without the investment opportunity, would not have engaged. The school has mentioned on numerous occasions that it plans to utilize Semble for any financing needs it may have in the future.

Nonprofit Served

Semble can assist practically any type of nonprofit within the 501(c) tax code section. We have experience working with a

Faith Based

Many of our community nonprofits are facing the “perfect storm” with demand for services up and access to loans either severely limited or denied.

Youth-Focused

Whether a camp, children’s center, homeless youth organization, Semble can help you focus on helping the next generation.

Private Education

Assist a school to purchase or refinance a property with lower cost financing.

Impact Investing

Nonprofits are on the frontline providing some of the most vital services in the life of our communities, but resources are perpetually in short supply. Without another dollar given, Semble solves this by bringing a customized solution that can free up significant dollars for nonprofits and ministries that have loan needs.

By coordinating impact investments from supporters—rather than relying solely on charitable giving—alongside traditional bank financing

JUST THINK OF THE IMPACT ON COMMUNITIES THAT THESE SAVINGS CAN FUEL…

  • Supporters become impact investors, receiving both a financial and social return.
  • Investors are more engaged with a nonprofit when they are literally invested in its success. Donations of time and energy rise among investors.
  • Nonprofits expand their donor base as they reach new investors.

FAQ SECTION

Frequently Asked Questions

Your money goes to your nonprofit you support and elect to invest in.

You are participating in an investor which means you will receive a return as the nonprofit makes payments on the loan you helped to fund.

No, this is not a gift. Instead, you are making an investment and the interest earned is not tax-free. There would be no charitable deduction unless you elect to forgive a portion of the investment or give back some interest earned to the nonprofit.

Each investor will have a private login to access information on their investment including the ability to generate statements on activities. Further, for investments held in taxable accounts, tax documents are mailed yearly.

Yes, it is important to be aware of the fact that you can invest in your favorite nonprofit organization while receiving the tax advantages of participating through a self-directed IRA. As long as your retirement funds are held in an individual retirement account or can be transferred into one, those funds are viable.

The investment is a payment dependent promissory note investment. Payment dependent means that a return is directly tied to the nonprofit actually making the required payments on the loan.

Your money can do more.

Let's build a better future, together.

Whether you want to invest or get funding, Semble makes it simple to turn intention into action.

I want to

Invest

Support causes you believe in.

I need

Funding

Grow your mission with flexible capital.