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
“Tri County Council of Western Maryland was very helpful in providing a low‐interest loan for the purchase of my newly expanded office space. The loan allowed expansion without the burden of a high‐interest rate that often goes along with business loans.
Not only that, but along the way of the application process, TCCWMD staff were able to provide insight and helpful advice on things like the business plan and the way things are budgeted to help set my business up for success.”
