马里兰州450万美元撬动900万放贷能力：助巴尔的摩小企业购置自有物业
马里兰州住房与社区发展厅（DHCD）11月5日宣布，向社区发展金融机构「邻里影响投资基金」（NIIF）提供450万美元「以贷促贷」（Loan to Lender）资金，NIIF将配以等额私人资本，形成约900万美元放贷能力，专门帮助巴尔的摩市小企业购置或翻新自用物业。贷款位于马里兰州巴尔的摩市，面向长期租用商铺、仓库与办公空间的中小企业主。
按计划，这笔资金预计支持4到6笔贷款、单笔规模150万至200万美元。DHCD厅长杰克·戴（Jake Day）表示，让小企业拥有自己的物业是稳定社区商业街、防止租金上涨挤走老店的关键一步；NIIF总裁马克·考夫曼（Mark Kaufman）称，基金将优先考虑扎根社区多年、雇佣本地居民的企业。
NIIF自2019年运作以来已完成55笔以上交易、撬动超过8亿美元投资。其2025年「拥有你的未来」（Own Your Future）首笔贷款曾帮助The Cube CoWork买下哈福德路一栋1.3万平方英尺的楼宇，把租金支出转为自有资产。
州政府称，本轮申请由NIIF直接受理，企业须证明物业为自用、且购置后继续在巴尔的摩经营。DHCD将按季度公布放贷进度与受助企业名单。
（来源：马里兰州住房与社区发展厅）
Maryland's $4.5 Million Loan Unlocks $9 Million in Lending for Baltimore Small Businesses to Buy Their Buildings
The Maryland Department of Housing and Community Development announced on November 5 a $4.5 million Loan to Lender award to the Neighborhood Impact Investment Fund (NIIF). Matched with an equal amount of private capital, the award creates about $9 million in lending capacity dedicated to helping Baltimore small businesses buy or renovate the properties they occupy.
The fund is expected to support four to six loans of $1.5 million to $2 million each. DHCD Secretary Jake Day said ownership is the surest way to keep neighborhood businesses from being priced out by rising rents, and NIIF President Mark Kaufman said the fund will prioritize businesses rooted in their communities and employing local residents.
NIIF has closed more than 55 transactions since 2019, leveraging over $800 million in investment. Its first Own Your Future loan in 2025 helped The Cube CoWork purchase a 13,000-square-foot building on Harford Road, converting rent into an owned asset.
Applications are taken directly by NIIF; borrowers must show the property is owner-occupied and that the business will keep operating in Baltimore. DHCD says it will publish lending progress and recipient lists quarterly.
(Source: Maryland Department of Housing and Community Development)
来源：马里兰州住房与社区发展厅
发布：GSM·美国（发布链接）
图片来源：图片来源：Wikimedia Commons「File:Inner Harbor Skyline View.JPG」（Kimberlyshorter 摄，CC BY-SA 4.0） Image: Wikimedia Commons "File:Inner Harbor Skyline View.JPG" (by Kimberlyshorter, CC BY-SA 4.0)
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