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Find similar grantsSmall Business Direct Loans is sponsored by Maryland Department of Housing and Community Development (DHCD). This program provides financial assistance through fixed-rate loans with flexible terms to empower small businesses and real estate development projects with demonstrated community value and need.
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Small Business Direct Loans | Maryland Department of Housing and Community Development Small Business Direct Loans Application opens: August 17, 2026 at 9:00 AM Application closes: September 17, 2026 at 11:59 PM Competitively-selected applications for direct loans of up to $2 million at 4% fixed interest rates are available.
The mission of this program is to provide financial assistance through fixed-rate loans with flexible terms to empower small businesses and real estate development projects with demonstrated community value and need.
While many types of small businesses are encouraged to apply, preference is provided to applications that: Rehabilitate or reconstruct vacant or blighted properties; Expand healthy and fresh food access in communities with insufficient access; Preserve or expand access to child care; or Demonstrate clear community need and/or support.
Schedule an initial consultation Loan proceeds can be used for: Acquiring, constructing, or rehabilitating real estate Funding working capital/ operating costs Business start-up costs, including acquisition Refinancing debt as part of a broader project To be eligible for a DHCD business loan, an applicant must be: Located within a Sustainable Community or Priority Funding Area Organized as a for-profit or nonprofit entity Engaged in commercial activity (100% residential projects are not eligible) The following are ineligible recipients: Residential or transient living businesses, including multifamily or single-family housing developments Nursing homes, assisted living facilities, crisis care centers, group homes, transitional housing, and homeless shelters Community halls, fire stations, hospitals, colleges, or universities Adult bookstores, adult video shops, other adult entertainment facilities, gambling facilities, gun shops, liquor stores, massage parlors, pawn shops, tanning salons, or tattoo parlors The power of this program lies with its flexibility to fit terms to an individual business’ or projects’ needs.
However, the following are set requirements: Loan amounts cannot exceed $2 million Loan terms may be up to 30 years Collateral is required. However, senior, pari passu, and subordinate lien positions are acceptable, subject to underwriting Fixed interest rates subject to underwriting Personal guarantees are required Applications will remain open between 9:00am on August 17, 2026 to 11:59PM on September 17, 2026.
Business development application Email us at [email protected] Local resolution contact - XLSX - 17. 72 KB
According to the current listing, eligibility includes: Located within a Sustainable Community or Priority Funding Area in Maryland. Organized as a for-profit or nonprofit entity. Engaged in commercial activity (100% residential projects are not eligible). Confirm the full requirements in the official notice before applying.
The current listing shows up to $2,000,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
The published deadline was September 17, 2026, which has passed. Check the official notice for any future application windows before investing time in a proposal.
Small Business Direct Loans is funded by Maryland Department of Housing and Community Development (DHCD). Verify program details on the funder's official page before applying.
This opportunity targets applicants in Maryland. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
Small Business Direct Loans (Maryland) is sponsored by Maryland Department of Housing and Community Development (DHCD). This loan program provides flexible financing to small businesses and nonprofits located in locally designated neighborhood revitalization areas throughout Maryland. It aims to empower small businesses and real estate development projects with demonstrated community value and need, with preferences for projects that rehabilitate blighted properties, create new housing, expand healthy food access, preserve childcare, or demonstrate clear community need.
Homeowner Assistance Fund (HAF) WholeHome Critical Home Repairs Grant is sponsored by Maryland Department of Housing and Community Development (DHCD). This program provides grants to eligible Maryland homeowners to cover critical home repairs that could prevent displacement. It is part of the broader Homeowner Assistance Fund, which supports homeowners facing financial hardship due to the COVID-19 pandemic.
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