Small Business Loans

Starting or growing a business takes more than a brilliant idea; it takes capital.

For many entrepreneurs in our region, the gap between a dream and financing is simply too wide.

To fill this gap, we designed the Revolving Loan Fund (RLF) to be a flexible, community-driven source of financing that steps in to support your business goals, help you launch, or grow.

Here’s What That Means for You

  • We meet you where you are. Whether you’re just starting out or ready to expand, we offer loans from $10,000 to $1,000,000, sized for real businesses at key stages of growth.
  • We keep it affordable. Our interest rates are at or below WSJ Prime, and our terms are structured to give your business room to breathe and build.
  • We think beyond the loan. We look at your whole picture: your plan, your experience, and your potential to expand opportunities throughout the region.
  • We’re invested in your success. Every loan repaid cycles right back into the fund, so your success fuels the next business owner’s opportunity. That’s the power of revolving capital.

Loan Stats

Projects Supported Since 1981

Million Lent

Jobs Retained

Jobs Created

The Revolving Loan Fund is how we invest in the people, places, and possibilities that make Western Maryland a great place to live and establish a business.

Program Priorities

  • Create and retain permanent jobs and expand opportunity throughout the region
  • Build wealth and grow economic vitality in the Tri County region by helping businesses start, expand, and flourish
  • Assist under-resourced businesses throughout the region
  • Ensure risk-tolerant capital access across a diverse range of industries
  • Support small businesses in times of economic uncertainty

Eligible Uses

  • Business acquisition or expansion
  • Commercial real estate acquisition (owner-occupied)
  • Leasehold improvements and building improvements
  • Equipment, machinery, and fixed asset purchases
  • Start-up costs
  • Working capital
  • Professional or technical assistance
  • Refinancing existing debt with sound economic justification

Loan Terms

  • Loan amounts: $10,000 to $1,000,000
  • Interest rate: at or below WSJ Prime
  • Up to 15 years for real estate and fixed assets
  • Up to 5 years for working capital

Application Requirements

Revolving Loan Fund Brochure

Apply Here

Loan Inquiry Form

What They’re Saying:

Everyday Earthe

“Securing a loan through Tri County Council gave me the chance to make a transformative investment in my business: the purchase of a RAM press. This piece of equipment, far beyond what I could have afforded on my own, is opening the door for me to produce handmade dinnerware at a sustainable scale. Because of Tri County Council’s lender‐friendly terms and the scale of funding available, I was able to take my original dream of creating unique, durable pottery and expand it into a bigger vision than I had even imagined.

Beyond the funding itself, working with Chris and her team was an exceptional experience. From answering my many questions to even visiting my studio in person, they made the process clear, smooth, and personal. I didn’t just receive a loan—I felt the genuine support of people who are invested in my success and goals. That combination of resources and encouragement is what’s making this dream possible.”

Jocelyn Borg
Owner