Semble: Empowering Nonprofits Through Smart Financing

In Bellevue, WA, Semble provides strategic and donor-funded loans for nonprofits. Novus is a Seattle-based finance company that creates strategic solutions to help nonprofits fund and grow. Through our unique donor model, we provide philanthropic-minded organizations with simple, customizable and aligned grant-making processes that maximize fund availability while aligning with their vision and mission.

Nonprofits and Loans: Strategies for Growth

Nonprofits have a mission to serve, not to make money. And while mission-driven nonprofits need capital to grow, expand their services, and amplify their impact, loans are often dismissed by nonprofit leaders. It's usually thought to be a financial liability or a big burden of debt. The truth is, when the right borrower uses a loan carefully, they can be a transformative asset that can fuel mission impact and growth, while building sustainability in the long run.

Misconceptions About Taking Loans

Many nonprofit leaders are shy about taking out loans because they think it 's stupid.

" Loans are only for for-profit businesses": It's one of many myths perpetuated by the nonprofit industry that they can't go beyond grants and donations to raise money.

“Taking a loan shows financial weakness”: In reality, strategic borrowing might demonstrate financial maturity and vision.

"Repayment will strain operations": With the right planning, loan repayment can be integrated into a sustainable financial strategy.

Of course, debunking these myths is the first step in accepting new sources of funding.

How the Right Loan Strategy Boosts Impact

A strategic loan plan will support the nonprofit's mission and growth objectives. They should support long-term goals instead of short-term interventions. For example, a loan for an upgrade of a community center or more staff may help unlock new service opportunities or increase operational efficiency. These additional savings may result in measured impact (growth).

How Strategic Planning with Semble Helps

Semble works with nonprofits to develop funding solutions for them. Through donor-funded lending, Semble provides loans at low interest rates and with flexible terms so nonprofits don’t have to feel overwhelmed. At Symbol, it’s more than just lending—they offer financial consulting, strategic planning, and long-term partnership. This collaborative model ensures that nonprofits are not only given funding—but guided throughout their journey to grow.

What Nonprofits Need to Know Before Taking Out a Loan

Nonprofits seeking loans will face several critical considerations, including readiness and sustainability.

Why Nonprofits May Need a Loan

Grants and donations often come with restrictions, or periods of time when using the money. Loans give you immediate access to capital.

Financial Health Checks Before Taking a Loan

Nonprofits should conduct internal financial analysis prior to loan application

Review cash flow trends

Assess current debt levels

Understand the balance sheet

Evaluate revenue diversity

These checks help determine repayment capacity and identify areas for financial improvement.

Choosing the Right Type of Loan

Nonprofits should choose a type of loan that's right for them.

Term loans: Best for large, one-time expenses like renovations

Lines of credit: Suitable for ongoing cash flow needs

Bridge loans: Ideal for timing gaps between grants

The right type of loan will make sure the money is used prudently and pay back on time.