What We Offer

We’re Designed To Save Schools Money.

Equitable Facilities Fund is a nonprofit social impact fund for high-performing public charter schools. We combine philanthropic funds with private capital to provide our partner schools with long-term, fixed-rate loans at the best terms available outside of government-enhanced programs. See how EFF differs from a short-term bank loan and tax-exempt bond here.

Projects eligible for EFF financing include refinancing existing debt, construction, acquisition of land or facilities, and expansion projects.

"EFF is a truly mission-aligned partner and that separates them from the field of lenders out there. We are able to pour more money into our day-to-day academic program and are better positioned to make long-term decisions."

Dan Gennaoui CFO, KIPP Nashville


Your school is permanent. Your financing should be, too. Like a home mortgage, we offer long-term debt.


We remove interest rate risk by offering subsidized, fixed rates.

No Fees

Unlike many lenders, EFF does not charge origination fees.

100% Financing

We finance up to 100% of your project costs.

How We Invest

EFF supports nonprofit charter schools with excellent academic and operating results and strong demand from local families. We prioritize schools that operate in under-served communities.

How We Invest

Frequently Asked Questions

EFF provides low-cost, long-term, 30-year fixed-rate loans to high-performing, nonprofit public charter schools and networks.

Our philanthropically backed loan program saves charter schools money by borrowing at low rates, reducing fees associated with issuance, and removing or reducing debt-service reserve funds.