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Micro-Enterprise Loan Program (Mobile, AL) is sponsored by City of Mobile Office of Small Business Development (OSBD). This program offers loans to business owners in the Corporate City Limits of Mobile, AL, who meet HUD income guidelines. While it is a loan and not a grant, it could provide initial capital for startup costs.
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City Opens Applications For $50 Million Economic Development Loan Fund : City of Mobile, Alabama City Opens Applications for $50 Million Economic Development Loan Fund Posted in: Neighborhood Development Press Release Mayor Mobile, Ala. — The City of Mobile is now accepting applications for a new $50 million loan program designed to support growth, create jobs, and encourage long-term economic development across the city.
The Senator Richard Shelby Downtown Economic Development Revolving Loan Fund was created using federal funding approved by Congress in 2023 and will be administered by the City of Mobile in coordination with the U.S. Department of Housing and Urban Development. “This is an incredible tool that will support the investments helping to shape the future of Mobile,” said Mayor Spiro Cheriogotis.
“It allows us to support projects that strengthen our economy today while also creating a sustainable source of funding to support future investments. We’re extremely grateful to Senator Richard Shelby for making this opportunity possible for our city, and we look forward working with Senator Katie Britt and her staff to make sure these investments are put to the best use.
” This new program will offer low-interest loans to support projects that contribute to local economic development. Unlike traditional grants, the money will be repaid over time and then reused to fund additional projects, allowing the program to support multiple rounds of investment.
While many projects that qualify for the program are expected to fall within or near downtown Mobile, there is no requirement that projects be located within the central business district . Eligibility will be based on federal guidelines, and projects will be evaluated based on their long-term economic impact. Loan terms will vary depending on the project, with a minimum loan amount of $1 million.
Interest rates will be set below market rates, and repayment terms will be structured based on project needs and federal guidelines.
Based on the enabling legislation, projects may be considered in areas such as: Hotel development or renovations Parking improvements and new facilities Higher education and workforce-related projects Commercial and mixed-use development, including redevelopment All projects must meet federal requirements and receive HUD approval.
With the exception of higher education support projects, the city will begin its initial review of applications on March 2, 2026. Applications for higher education projects will be reviewed on a rolling basis as they are received. Applications will undergo an initial review by the City of Mobile’s Neighborhood Development Department to confirm eligibility and compliance.
Final recommendations will be evaluated by a review committee of city staff and appointments from Mayor Cheriogotis and the Mobile City Council. Applications and additional information about the program are available at: cityofmobile. gov/departments/neighborhood-development/neighborhood-development-for-developers .
For questions, call (251) 208-6294 or email courtney. phelion@cityofmobile. gov .
City celebrates major bridge project milestone Transformative St. Louis Street project reaches midway point Celebrate National Parks and Recreation Month with MPRD Celebrate America 250 at History Museum of Mobile City of Mobile to give update on Africatown Welcome Center progress Submit your concerns or questions to City Hall. 2026 Business Licenses are due January 1, 2026 and delinquent after January 31, 2026.
15% penalty will be assessed beginning February 1st through February 28th. 30% penalty will be assessed beginning March 1st. Applicable interest will be assessed beginning February.
For additional information contact the City of Mobile, Revenue Department at (251) 208-7462.
According to the current listing, eligibility includes: Individual business owners meeting HUD income guidelines, registered as a Section 3 Individual and Business on the City of Mobile Section 3 Page website, providing past 2 years' federal income tax returns and financial …. Confirm the full requirements in the official notice before applying.
The current listing shows up to $2,500. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Micro-Enterprise Loan Program (Mobile, AL) is funded by City of Mobile Office of Small Business Development (OSBD). Verify program details on the funder's official page before applying.
After a rare gap with zero active omnibus NOFOs, NIH has reissued its SBIR/STTR parent announcements — collapsing four solicitations into two, adding a Strategic Breakthrough bridge and a Commercialization Readiness Pilot, and reopening the funnel with a September 5, 2026 receipt date. Here are the exact solicitation numbers, the new budget ceilings, what actually changed, and how a small business should sequence its submission.
Read articleThe Department of Energy attached its small-business program to the Genesis Mission on July 22, 2026 — opening a $10 million Phase I opportunity across four AI-for-science topic areas closing September 10, plus roughly $147 million in Phase II funding for prior awardees. Here is what the four topics fund, how the redesigned 'faster, simpler' program changes the math for founders, and how to move on a tight window.
Read articleThe Small Business Innovation and Economic Security Act of 2026 saved the programs after a six-month lapse, but it also added $30M strategic-breakthrough awards, per-company proposal caps, and mandatory national-security screening. Here is what changed across all eleven SBIR agencies — and what it means for your next proposal.
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