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Eligibility and Terms


  • Complete a loan application and submit supporting documentation
  • Businesses less than three years old must have a business plan
  • Submit a non-refundable $75 application fee
  • Demonstrate the inability to obtain financing from a traditional lending source by providing two letters of denial from two different traditional banks if loan request is more than $20,000.
  • Be current on all federal debt including student loans, child support and taxes

Loan Terms:

  • Length: The loan may be extended for up to five years Interest: Currently 5%*
  • Collateral: Collateral will be sought and personal guarantees are required by all owners of 20% or more.
  • Business Assistance: Borrowers must meet with CEED Lending staff once a month or as deemed necessary.
*Limited time offer