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Starting a business is different than growing a business


In order for you to be eligible for a loan by the EDCLC, you'll need to answer YES to these questions:


  1. Is your business located in Kansas City, Missouri?

  2. Are you trying to get a loan for something other than refinancing debt?

If you answered YES, scroll down.


If you answered NO to any of the above, EDC Loan Corp can support by connecting you to a variety of resources including:



There are four types of loans EDCLC offers: 


  • Revolving Loan Fund (RLF)

  • River Market Loan

  • SBA 504 

  • Micro Loan

Read on to find out which of the three might be right for you. 

Revolving Loan Fund (RLF): This type of loan assists small businesses with expansions to create and/or retain jobs in Kansas City, Missouri when conventional bank financing is not possible. Funds for this program are provided by the U.S. Economic Development Administration.


This might be right for you if: 

  • You are looking to cover costs for: 

    • Purchase improvement of land/building

    • Leasehold improvements

    • Machinery and equipment

    • Working capital

    • Professional fees

    • Eligible expenses associated with fulfilling a contract

If you fit into this category, you'll need to fill out this pre-application form.

River Market Loan: This type of loan is intended to encourage new and existing business, particularly Minority and Women’s Business Enterprises (WBEs) in the River Market, Columbus Park , 18th & Vine or areas on the East Side of Kansas City. 


This might be right for you if: 

  • Your primary place of business is located in the area known as the River Market, Columbus Park, 18th & Vine area or areas on the East Side of Kansas City.

If you fit into this category, you'll need to fill out this pre-application form. 

SBA (Small Business Administration) 504 Loan: these loans are in partnership with third-party lenders including commercial banks, credit unions and other private lenders. The 504 Loan Program is an economic development tool guaranteed by the U.S. Small Business Administration (SBA). The 504 loan is serviced by EDC Loan Corporation, an SBA-approved Certified Development Company (CDC).

This may be right for you if: 

  • You have you invested your own time or money into the business. 

  • You able to provide a minimum of 10 percent of the total project cost if you’ve been in business 2+ years. 

  • You’re looking for a loan for 

    • The purchase of land, including existing buildings

    • The purchase of improvements, including grading, street improvements, utilities, parking lots and landscaping

    • The construction of new facilities or modernizing, renovating or converting existing facilities

    • The purchase of long-term machinery and equipment


If you fit into this category, email Debra Davis:


Micro Loan: these are our smallest loan offering up to $15,000. They're short-term, low-interest rate loan funds intended to help small businesses within the city limits of Kansas City Missouri. Preference will be made to businesses that are minority or woman owned or operating in financially distressed communities.

This may be right for you if:

  • You're looking for a small loan, less than $15,000

  • Employ 10 or less Employees

  • Have $75,000 or less in annual revenue

If you fit into this category, email Debra Davis:

Not sure which type of loan is right for you?

We can help, contact us

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