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Nonprofits Work Together

Dear Nonprofit Partners,

From closed offices and cancelled fundraising events to adapting programming for the digital landscape, we know that our local nonprofits are feeling the effects of COVID-19 in varying ways, both big and small. Perhaps operations have already shifted, or perhaps you're only starting to experience the longer-term implications. Here at the Community Foundation, we are listening and working through ways to best serve you. Know that the work you do is important and that together, we will see our community through this.

Nonprofit Operating Support Loan Program

We have established a loan program in recognition of the importance of area nonprofits in our community's long-term recovery. Critical support will be available to organizations that have demonstrated a commitment to the local community and which contribute to the community fabric, social safety net, or unique sense of place in Bay or Arenac counties. Prudent fiscal management is required.

Total Funding Available: $250,000

Deadline: Nonprofits must submit requests by the 1st of each month (May 1, June 1, or July1). Bay Area Community Foundation will review and approve requests within 30 days and distribute funds within 10 days of approval.

Loan Terms:

  • Nonprofit 501(c)3 organizations only—in Bay and Arenac counties (Michigan)
  • 2-year term
  • 0% for 12 months, 1% thereafter with interest accruing from date of loan origination
  • No prepayment penalty
  • No administrative fees
  • Loan amounts are not to exceed $20,000 per request. This is the stated maximum. It does not guarantee that the full amount will be awarded.
  • These funds are not intended to start new programs. However, these funds are not restricted and can be used to supplement the organization's greatest needs, including operations.

Evaluation Considerations:

  • Nonprofit positively contributes to community fabric, social safety net, or unique sense of place in Bay County or Arenac County. Importance of organization to long-term community recovery.
  • Demonstrated long-term commitment to community
  • Good fiscal management (history of emergencies, etc.). Steps organization has taken to survive the pandemic.
  • Ability to repay
  • Has organization applied for federal/state dollars?
  • Forecasted revenue loss since March 16


Click here to access the application.


Semiannual Grants Continue

The next semiannual grant application period opens on January 11, 2020. Applications are due by March 8, 2021. Grant awards will be announced mid-May.


Additional Resources

National Council of Nonprofits: The National Council of Nonprofits has created a listing of valuable resources for nonprofits during the coronavirus outbreak. Visit the site for information about loan programs, new federal laws, and available relief programs.

General Resources: View BACF's general list of nonprofit resources by clicking here.

Looking Ahead

Please visit Reopen Bay County to view guidelines about reopening our area put together by Bay Area Chamber of Commerce, Bay Future, and Bay County, in conjunction with the experts at the Bay County Health Department.


Each year, we award over $1 million to nonprofits in Bay and Arenac counties to help create change and make the community thrive.

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We award hundreds of scholarships each year to help our local students achieve their academic dreams and promote education in our area.

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Donor Services

We help you connect to the causes you care about most by helping you create your own charitable fund or donate to a pooled fund.

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What is a Community Foundation?

Community Foundations are the area's leaders in philanthropy. We look to the long-term growth in Bay and Arenac counties to ensure there are always funds available to respond to pressing needs and take initiative for new opportunities.

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For more than 25 years, we have been supporting the philanthropic goals of our donors and the work of our local nonprofits. We don't know what future needs and opportunities will drive the future. But one thing is for sure: because of your generosity, Bay Area Community Foundation will be here!

"Let us be bold. Let us be brave. Let us be together." — Brad Henry

Our Recent Stories

Person Pouring Beer at Drydock. Text says

Being BOLD: Drydock Beer Garden

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The partners who opened Drydock Beer Garden envisioned a more vibrant downtown and a way to support their nonprofit organizations. What they didn’t realize was just how important it would become to many nonprofits in 2020.

Thank you to our generous Business Sponsors!

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Hear stories of how grant dollars and scholarship funds are impacting our community, For Good. For Ever.


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Pere Marquette Depot in Downtown Bay City

Offices open by appointment only.

1000 Adams St., Suite 200
Bay City, MI 48708
Phone: 989.893.4438
Email: bacfnd@bayfoundation.org
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