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SCKEDD's Approach to Lending


We are not a traditional small business lender. 

We offer a wide variety of business loans, including Small Business Administration (SBA) loans, developed to help finance business entrepreneurs, business startups and existing businesses. 

Our innovative business loans provide much need capital to existing businesses financing the purchase of real estate, equipment, inventory and working capital.

SBA 504 loans helps businesses purchase owner-occupied commercial real estate and long-term equipment.  This business loan features lower down payments than traditional lenders to help conserve valuable working capital.




SBA 7(a) loans is one of the best means to finance your small business. Guaranteed by the Small Business Administration, borrowers can attain flexible terms and low interest rates. 


If you are working with your bank to secure additional funding for your business, the SBA 7(a) Loan Program is ideal for entrepreneurs, young  businesses, and existing businesses experiencing significant growth or wanting to expand operations.

SBA Microloans provides small business loans to startups, newly established or growing small businesses. existing businesses.


Retail, service, manufacturing and technology companies utilize the SBA Microloans to readily purchase inventory, furniture and fixtures, and equipment. 

Business owners receive ongoing technical assistance from SCKEDD which is available at minimal or no cost throughout the term of the loan.  



RLF Loans provide gap financing business loans with a fixed rate term for most business financing needs including land, buildings, equipment, machinery, inventory,  and working capital.  Business loans range from $5,000 - $300,000.

These funds can be partnered with conventional bank financing, other SCKEDD Programs, and other local community funds







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