Northern Community Investment Corporation (NCIC) was founded in 1975 by two community action programs to create economic opportunity for people and businesses in Vermont"s Northeast Kingdom and New Hampshire"s North Country -- the three northernmost counties of each State. NCIC offers a wide range of financing products including microenterprise loans, Small Business Admin istration 504 loans, equity investments, working capital loans, lines of credit, leases for computers and other equipment, and loan guarantees. NCIC is also involved in loan participations with smaller loan funds that lack the resources to do their own underwriting.