Community Funding Group (CFG) will use its NMTC allocation to finance non-profit agencies that focus on homeless and those at risk of homelessness, underserved youth, job training, and hunger relief. With its NMTC allocation, CFG will be able to offer loans on more favorable terms and interest rates than are normally available to its borrowers, including subordinated debt, below market interest rates, reduced origination fees and longer loan amortization periods. To the extent CFG’s annual fees exceed expenses, it will donate the surplus to not-for-profit human services agencies in low income communities.