About Us

Rising Tide provides a full range of accessible loan products, one-on-one business counseling, and marketing assistance to business owners where resources and opportunities for growth are limited.

Our Mission: To identify small business and community development credit needs that may stifle the creation of economic opportunities for growth and to meet those needs with affordable business loans.

Our Goal: To support prospective, start-up and established small businesses whose risk factors make it difficult to obtain funds from traditional lenders, but who inevitably make up the backbone of a thriving local economy.

Our History: Established in 2001, Rising Tide Community Loan Fund (RTCLF), a subsidiary of the Community Action Committee of the Lehigh Valley, is a 501 (c) (3) non-profit Community Development Financial Institution (CDFI). RTCLF is funded through loans, grants, and private contributions. Sources include local, state and federal government, banks, businesses, and individuals.

When banks say no, Rising Tide can help you find a way … and make you bankable.



RTCLF provides a range of micro-loans, small business loans and lines of credit that may be used for lease-hold improvements, the purchase of equipment/machinery, marketing costs, working capital, inventory purchases and more.



We also offer technical assistance to businesses or prospective entrepreneurs in the form of one-on-one counseling on a range of topics including business-plans, cash flow analysis and projections, marketing, and business counseling on an as-needed basis.



Through Rising Tide Community Loan Funds partnerships with Community Action Development Corporations in Allentown and Bethlehem, interested individuals can take advantage of an up to 16-week “Start Your Business” workshop series.

Where We Work