Banking sectors have reduced their participation in real estate provident fund (PF) loans in risk management, and thus, nonbanking financial institutions’ participation in PF loans has increased due to a reflective effect. Consequently, the proportion of profits dependent on PF loans from nonbank financial institutions is increasing. When PF loans are executed, borrowers incur fees and interest expenses in exchange for financing project expenses, whereas financial institutions generate profits in exchange for the risk burden. This study analyzes the impact of financial institutions on profit indicators through PF loans. It uses data of normal business sites newly loaned by nonbank financial institutions considering the recent increase in participation of nonbanking financial institutions in PF loans. Moreover, the business sites that have been executed and operated normally are analyzed. Results reveal the difference in examining the factors that provide profits to financial institutions rather than the risk aspect. Furthermore, this study examines the PF loan cases that affect the profits of nonbank financial institutions that are limited in the diversification of capital power and sales structure. It also examines the effect of accepting appropriate risks on the profit.