Oak Hill Banks Community Development Corp. (OHBCDC) will utilize its NMTC Allocation to enhance its current community development lending and financial counseling services to qualified businesses in eleven contiguous counties in rural southern Ohio Appalachia. OHBCDC will provide non-traditional loan products to locally-owned and operated businesses and to community organizations that enhance the quality of life in particularly economically distressed non-metropolitan areas. All non-traditional, flexible loan products will be delivered with interest rates at least 50 percent below market or with at least five indicia of flexible or non-traditional rates and terms. They will collaborate with state, regional and local community organizations to source deals, pool resources and leverage capital.