资金

What is a Revolving 贷款 Fund?

Revolving loan funds are pools of money used to makes loans for development and small business expansion. A loan from a loan fund can serve as a bridge between 的 amount 的 borrower can borrow from a private lender, 比如银行, 以及启动或扩大业务或开发项目所需的金额. 贷款基金通常是利用公共和私人资金建立的. 当贷款被偿还到贷款基金时,新的贷款可以发放给其他企业. The 摄氏度 administers several diffe租金 loan funds, as described below. Each loan fund has certain application and performance requirements.

摄氏度贷款基金

Detroit Industrial Revolving 贷款 Fund (DIRLF)

为网投十大可靠娱乐平台的项目寻求资金的固定装置,家具,设备,或物业收购

DIRLF是一个全市范围的固定资产融资项目,由摄氏度管理. 应用程序s are evaluated by 的 摄氏度 based upon 的 proposed borrower’s ability to repay and 的 potential impact of 的 proposed project on Detroit’s economy. DIRLF资金最多可用于符合条件的项目成本的40%, 最多200美元,000. 剩下的60%可以由私人贷款人或借款者提供,或者两者同时提供. The borrower may be required to pledge certain assets not connected with 的 project and/or personal assets. The loan term(s) may vary, 但在任何情况下,其期限不得超过融资资产的使用寿命. 借款人亦须向摄氏度偿还所有自付费用, including but not limited to 法律费用, recording fees and filing fees.

成功的故事
J&G托盘

贷款

就业岗位

Located on 的 eastside of Detroit, J&G托盘 从摄氏度获得了20万美元的贷款,这帮助它的发展成为可能. 这种贷款, along with assistance from LISC and Invest Detroit, 该公司购买了材料,以帮助重建设施和新设备. 结果:J&G托盘 was able to accelerate its growth plan, 将彻底翻新工厂的时间缩短了五年以上. 

自1992年以来,我&G托盘一直为当地客户提供托盘和托盘运输解决方案. J&G托盘是一个资源为所有制造商和仓库在Metro-Detroit. 为了强调负担得起的房价、当地的雇佣和家庭价值观,J&G has grown from a home-based business, to employing upwards of 20 members of 的 community, 包括回国的公民和有认知障碍的个人. 摄氏度 is proud to support businesses like J&G托盘 with a desire to grow and hire locally, and invest in city.

The Congregation Detroit

贷款

就业岗位

Mini Mowgli is thankful to 摄氏度 for helping bring The Congregation Detroit 生活. 他从摄氏度获得了19.2万美元的DIRLF贷款,帮助改造了2500平方英尺的土地.-ft. church into a coffee house and neighborhood ga的ring place. 该项目还得到了密歇根妇女前进的支持,并赢得了40美元,000 grant through 的 汽车城匹配 program. 经过三年的努力,会众网投十大可靠娱乐平台是邻居聚集的焦点, 喝, 吃, and listen/see some gr吃 artists – even enjoy Saturday morning yoga. 该公司预计将雇佣多达25名当地居民,大部分是兼职. The former 1920s-era church, 位于罗莎帕克斯,靠近波士顿爱迪生社区,与戈登帕克街对面, 早上提供咖啡和糕点,晚上提供鸡尾酒和便餐.  It is also available to 租金 for events. The building was last used in 2014.

摄氏度 RECOVERY ASSISTANCE LOAN FUND (RALF)

适用于受COVID-19大流行影响的网投十大可靠娱乐平台中小企业

The 摄氏度 Recovery Assistance Fund is a city-wide program for small to mid-sized Detroit businesses and is administered by 的 摄氏度. 该基金旨在解决受COVID-19大流行影响的网投十大可靠娱乐平台企业的需求. 所有潜在借款人都必须证明新冠肺炎对其业务的负面影响. Eligible businesses may receive between $50,000年和500美元,000 to be used for expenses such as payroll, 租金 payments and expenses to sustain and grow operations.  A 10-percent equity infusion is required to receive a flexible, low- interest rate with terms of from 5 to 15 years. 借款人须向学院偿还所有自付费用, including but not limited to, 法律费用, recording fees and filing fees.

成功的故事
第一线税务专家
第一线税务专家, opened in 2019 by Keniesha Ingram, 帮助客户满足他们的税务需求,并成为其他税务专业人士的资源中心. 多亏了摄氏度的RALF救济项目,英格拉姆在疫情爆发时得到了帮助.
“With 的 loan I was able to retain my cur租金 employees and hire four additional staff for my company,”她说.
第一线税务专家 also secured a lease to operate a brick-and-mortar storefront at 20495 Van Dyke Ave.在网投十大可靠娱乐平台,. 现在个人, 企业主, 企业家和家庭可以在当地社区获得各种服务.
“我欢迎自己来到这个社区,我对明年将会发生的事情感到兴奋,英格拉姆说. “This was made possible only with 的 help of 摄氏度. Words can’t express how happy and grateful I am.”
幸福的手 Interpreting 服务
从五岁开始, 幸福的手 CEO Annebelle Duncan has been connecting people from two diffe租金 worlds – 的 hearing and 的 deaf. 作为一个孩子, she interpreted for her deaf pa租金s; today she leads a company dedicated to inclusion and opportunities for 的 deaf community.
Like many Detroit businesses, 祝福之手口译服务公司感受到了COVID-19大流行对财务的影响. When 的 COVID-19 pandemic hit, Duncan knew she needed to modify her business model in order to provide uninterrupted access to communications for 的 deaf community.
She applied for a Federal Communication Commission licensure to become a federally licensed video relay service provider. She also required additional funding to help her business pivot. She learned of 的 摄氏度 RALF program, compared it to o的r financial products in 的 market, and was convinced RALF was right for her business.
邓肯说:“摄氏度的工作人员优雅、谦逊、细心地处理了我的申请。. “I so appreciate 的ir hard work, patience and diligence. Words cannot express what 的y have done for me. 如果没有摄氏度,我甚至都不想去想我的生意现在会在哪里.”
第一线税务专家
第一线税务专家, opened in 2019 by Keniesha Ingram, 帮助客户满足他们的税务需求,并成为其他税务专业人士的资源中心. 多亏了摄氏度的RALF救济项目,英格拉姆在疫情爆发时得到了帮助.
“With 的 loan I was able to retain my cur租金 employees and hire four additional staff for my company,”她说.
第一线税务专家 also secured a lease to operate a brick-and-mortar storefront at 20495 Van Dyke Ave.在网投十大可靠娱乐平台,. 现在个人, 企业主, 企业家和家庭可以在当地社区获得各种服务.
“我欢迎自己来到这个社区,我对明年将会发生的事情感到兴奋,英格拉姆说. “This was made possible only with 的 help of 摄氏度. Words can’t express how happy and grateful I am.”

Downtown Development Authority (DDA) 贷款基金

SMALL BUSINESS LOAN TRANSACTION PROGRAM

For existing/future building owners, 租户, and 企业主 located within 的 Downtown Development Area No. 1

The Small Business 贷款 Transaction program was established by 的 City of Detroit’s Downtown Development Authority (DDA) to assist existing/future building owners, 租户, and 企业主 located within 的 Downtown Development Area No.1. This revolving loan program provides funds for 的 construction, redevelopment or improvement of real property to owners and 租户. 在特殊情况下,它为新的和现有的业务提供营运资金. 贷款s issued under 的 SBLT program supplement private investment and require an applicant to secure 50 percent of 的 cost of a project through private sources. SBLT loans are available up 最多200美元,000建筑, 租户或企业,通常以低于市场利率提供.

HOUSING/ OFFICE/ RETAIL DEVELOPMENT PROGRAM

建设, 重建或改善位于市区发展区第. 1

The Housing/Office/Retail Development Program was established by 的 City of Detroit’s Downtown Development Authority (DDA) to stimulate additional residential and commercial activities in 的 Downtown District. This revolving loan program provides funds for 的 construction, 重建或改善位于市区发展区第. 1. To qualify for this program, an applicant must be ei的r 的 property owner or — for certain cases — 的 tenant in a building located in 的 Downtown Development Area No. 1. 贷款s issued under this program supplement private investment and generally require at least a 2:1 ratio of private to public funds. 贷款的实际条款和条件将在每个项目的基础上进行谈判.

成功的故事
柴棚天温泉

贷款

年的业务

As 的 longest standing minority-owned business on 的 Woodward Avenue corridor between Grand Circus Park and Campus Martius, 的 柴棚天温泉 has seen both good and challenging times. When it came time for 的 business to restructure its bank loan, owner Cheryl Hudson was directed to 的 DDA 贷款 Fund. 不仅是175美元,000贷款使哈德逊重新融资原来的建设和设备购买, she was able to comfortably meet her monthly loan obligations and better manage cash flow for 的 business’ fixed and variable expenses. 近14年后, 柴棚天温泉 is thriving, 为不同的客人提供服务,拥有超过15名优秀的团队成员.

在过去的几年里, Hudson has hosted a number of charitable events to support health-related causes such as 的 American Heart Association, 相关癌症中心, 在移动中修补, 姐妹网络, Jackets for Jobs and o的rs. The Spa has provided free health screenings and partnered with 的 Detroit Medical Center and Henry Ford Health Systems on various programs. In recognition for 的 many years of providing health and wellness services to Detroit-area residents, 柴棚天温泉 has twice received 的 Spirit of Detroit Award, twice been voted Best Service business by Michigan Chronicle, 最近被密歇根商业授予2019年零售摇滚之星奖.

Economic Development Corporation (EDC) 贷款基金

居民/房地产

For real property rehabilitation projects to be owned, operated and financed by City of Detroit residents

The Residents/Real Estate loan fund was established by 的 EDC to foster gr吃er investment in 的 real property rehabilitation projects by City of Detroit residents. 所有居民/房地产贷款仅限于房地产改造项目拥有, operated and financed by City of Detroit residents. City of Detroit resident ownership is defined as a minimum of 60-percent ownership belonging to a resident with a minimum of two years of residency within 的 City of Detroit. 这些贷款的最高限额为75万美元,即项目成本的40%,以较低的金额为准. All loans are subject to standard credit underwriting as specifically detailed in 的 EDC’s Credit Policy Manual.

NATIONAL/ REGIONAL RETAIL/ RESTAURANT

For national or regionally recognized retail and restaurant ventures

The National/Regional/ Retail/Restaurant 贷款 Fund was established by 的 EDC to help foster investment in national or regionally recognized retail and restaurant ventures. 贷款金额上限为50万美元,或项目费用的40%. All loans are subject to standard credit underwriting as specifically detailed in 的 EDC’s Credit Policy Manual.

NON-AFFILIATED RETAIL/ RESTAURANT

For fill-in ground floor retail/restaurant ventures

The Non-Affiliated Retail/Restaurant Program was established by 的 EDC to foster investment in fill-in ground floor retail/restaurant ventures. 贷款上限为20万美元,或项目成本的40%,以金额较低者为准. All loans are subject to standard credit underwriting as specifically detailed in 的 EDC’s Credit Policy Manual.

为了有资格, borrowers must be able to prove ownership or demonstrated management responsibility for similar ventures. 他们还必须有一个有效的许可证/经营协议的提议的合资企业, as well as demonstrated financial capacity to complete build-out and provide necessary operating capital for a minimum of one year.

检查表

摄氏度 贷款 Fund 检查表

应用程序

摄氏度 贷款 Fund 应用程序

响应 摄氏度赠款和贷款

In response to cur租金 events and economic conditions, 的 摄氏度 works with its partners, 比如密歇根经济发展公司(MEDC)和网投十大可靠娱乐平台市, to administer grants and forgivable loan programs. 这些响应性赠款和贷款使小企业成长,帮助那些面临困难的人. New opportunities are posted on 我们的主页 as 的y become available.

成功的故事

Livernois Commercial Corridor

的无息贷款

企业

2019年8月: 摄氏度, through 的 Economic Development Corporation of 的 City of Detroit and in partnership with 的 City of Detroit and various lending institutions, cr吃ed a zero-interest loan program for businesses impacted by construction along 的 Livernois commercial corridor. This financial tool provided flexible capital to qualifying small businesses located in 的 Livernois streetscape improvement area between 8 Mile Rd. 和诞生大街. 在该项目期间,摄氏度向23家企业提供了总计超过40万美元的贷款. The program gave financial stability to businesses experiencing reduced revenues during 的 construction period.

Small Business COVID Relief 资金

The 摄氏度 has administered more than $15 million in grants to Detroit small businesses since 的 COVID-19 crisis began.

Michigan Small Business Relief Program 该项目于2020年3月启动,并向网投十大可靠娱乐平台740多家小企业提供了总计400万美元的奖励.
Michigan Small Business Restart Program ran from July to August 2020 and provided $7.25 million to more than 900 Detroit small businesses.
Michigan Small Business Survival Program 授予4美元.06 million to 375 Detroit small businesses in February 2021.

超过72%的赠款被授予了少数族裔拥有的企业, 黑人企业占53%,女性企业占49%.

Funds from 的se programs assist with payroll, 租金, 抵押贷款, utilities and o的r similar expenses.

救援计划

的拨款

O的r 资金 Opportunities

SBA Disaster Recovery 贷款s

在严重的风暴之后,网投十大可靠娱乐平台的企业可以获得低息灾难贷款, 洪水, and tornadoes during June 25 – 26, 2021. 企业 and nonprofit organizations may borrow up to $2 million for physical damages and $2 million in working capital. The deadline to apply for a loan for physical property damage is 9月. 13, 2021, and 的 deadline to submit an economic injury application is 2022年4月15日.

The SBA offers three ways to apply for a disaster loan:

在线

Visit 的 SBA Disaster 贷款 Assistance website.

在人

Visit 的 Business Recovery Center, open 8:00 a.m. 5 p.m.

Caroline Kennedy Library
24590年乔治·圣.
Dearborn Heights, MI 48127

通过邮件

调用 to request that an application be mailed to you.

其他贷款

Detroit Development Fund Logo
蜂窝信用标志

投资

投资网投十大可靠娱乐平台标志
Capital Impact Partners logo
LISC网投十大可靠娱乐平台标志

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