Houston, TX

COMMUNITY LOAN CENTER OF GREATER HOUSTON

EIN 46-4547921

Community & Economic Development Small Business & Entrepreneurship Low-income

Mission

The mission of CLCGH is to provide low-interest, low-fee consumer loans through a consortia of employers throughout the Greater Houston area, as an alternative to predatory lending products and practices.

IRS-recognized 501(c)(3) public charity Contributions are tax-deductible

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About COMMUNITY LOAN CENTER OF GREATER HOUSTON

Community Loan Center of Greater Houston (CLCGH) is a Houston-based nonprofit founded to offer affordable, small-dollar consumer loans as an alternative to predatory payday and title lending. CLCGH operates primarily through employer partnerships that enable payroll-deducted loan repayment and provides loans typically ranging from $400 to $1,000 with up to a 12-month payback period.

CLCGH is operated as part of Neighborhood Recovery Community Development Corporation (NRCDC) and is licensed by the Texas Office of Consumer Credit Commission. The EIN provided (46-4547921) was verified against public nonprofit records and the organization’s filings before preparing this profile.

In recent years CLCGH has documented measurable borrower impact and continues to operate a donor-facing program with an active website, employer partnerships, and public Form 990 filings.

Notable achievements

High loan volume and borrower savings (2024)

In fiscal 2024 CLCGH provided 1,794 small-dollar loans and reported saving borrowers approximately $1,175,070 in interest and fees compared to typical high-cost lenders.

Employer-based payroll repayment model

Established and expanded a consortia model that issues loans through participating employers with automated payroll deductions, reducing default risk and administrative costs for borrowers and employers.

Integration with NRCDC programming

Operates as a program of Neighborhood Recovery Community Development Corporation, leveraging NRCDC’s housing, financial capability training, and partner networks to amplify borrower outcomes and community impact.

At a glance

Total assets: $1.0M
Annual revenue: $191K
Tax status: 501(c)(3)Public charity
EIN: 46-4547921
Location: Houston, TX
Website: www.clcgreaterhouston.com
On Mahalo since: May 2026

Financial figures from the IRS Business Master File, the IRS’s registry of tax-exempt organizations.

Recognition

Licensed by the Texas Office of Consumer Credit Commission (state regulatory recognition for consumer lending operations).

Maintains public nonprofit profiles and tax filings (Form 990) in charity databases and directories, demonstrating regulatory compliance and financial transparency.

Recognized partner/funder relationships with local and national institutions (examples reported in recent annual materials include City of Houston and multiple banking and foundation partners), used to support program scale and sustainability.

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