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Find similar grantsSmall Business Lending Program - Small Business Direct Loans is sponsored by Maryland Department of Housing and Community Development. This opportunity supports mission-aligned projects and measurable outcomes.
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Accessibility Information Business Development Programs The Department of Housing and Community Development (DHCD)'s Division of Business Development supports small businesses by offering: Loans through the DHCD Business Lending Program; Grants through the NourishMD Grant Program; Investment incentives through the Opportunity Zone program; and Individual business consultations to identify small business assistance resources offered by DHCD, other state agencies, and partners at local governments and in the private sector.
Small businesses are Maryland’s economic engines that create jobs and bring our communities to life. The State’s premier suite of small business loan programs provides competitively priced, flexible financing for the costs associated with business startup and expansion. These programs offer direct, fixed-rate loans of up to $2 million and companion loans of up to $5 million.
$2 million direct loans are offered on a competitive basis with rounds announced quarterly. $5 million companion loans are available year-round, subject to availability of funds. All small business loans have fixed interest rates of 4% with terms of up to 30 years.
Eligible borrowers include Maryland-based small businesses (fewer than 500 employees), local development corporations, and nonprofits. Local governments are not eligible applicants. Learn more about each product below.
Initial Consultation Request Interested in financing opportunities? Please complete the initial consultation form to request a 1:1 consultation with a DHCD business development officer. In this conversation, a team member will review your business's needs and available financing offered by DHCD, other state agencies, and other partners.
Fill out the initial consultation form Business Development Programs Small Business Direct Loans Competitively awarded loans of up to $2 million with 4% fixed interest rates and terms of up to 30 years. Small Business Companion Loans Loans of up to $5 million with 4% fixed interest rates and terms of up to 30 years. Requires a minimum 1:1 private lending match.
Loans for small businesses to purchase, construct, expand, or renovate real estate to operate within. Loans of up to $5 million with 4% fixed interest rates and terms of up to 30 years. Requires a minimum 1:1 private lending match.
NourishMD Grant Program The NourishMD Grant Program is a targeted investment designed to expand access to healthy and fresh foods in Maryland communities experiencing food insecurity by providing direct grants to eligible retailers. The Opportunity Zone program is a federal tax-incentive that encourages investments in low-income communities by enhancing returns. Please click here to learn more.
Maryland DHCD partners with lenders to expand access to capital to small businesses and nonprofits in the state. Learn more about our lending partners ensures HTML content is downloaded and parsed first. This also means the site can begin to display prior to loading all JS, which helps display performance.
According to the current listing, eligibility includes: Maryland-based small businesses and community real estate development projects. Applicants must demonstrate a community need and documented financial need. 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.
Applications for Small Business Lending Program - Small Business Direct Loans are due August 17, 2026. Build your timeline backwards from this date to cover registrations, approvals, and final submission checks.
Small Business Lending Program - Small Business Direct Loans is funded by Maryland Department of Housing and Community Development. 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.
Community Investment Tax Credit Program (CITC) is a grant from the Maryland Department of Housing and Community Development that provides state tax credit allocations to 501(c)(3) nonprofits, enabling them to attract private donations from individuals and businesses. Donors contributing $500 or more to approved projects receive tax credits equal to 50% of their contribution. The program has leveraged nearly $27 million in charitable contributions to approximately 700 projects statewide. Eligible project areas include education, housing, job training, arts and culture, economic development, and services for at-risk populations. Projects must be located in or serve residents of Maryland's Priority Funding Areas. The application period is typically held annually.
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.
Lowe's Hometowns Grant Program is sponsored by Lowe's. This program aims to restore and revitalize community spaces across the country through physical renovations. Consumers can nominate a community space in their hometown, such as a neighborhood garden, park, or community center. While broad, it can apply to infrastructure improvements within a community context.
CFNF Helping Today, Shaping Tomorrow Grant is a grant from the Community Foundation of North Florida that funds nonprofits addressing pressing challenges with programs and services of lasting impact in Florida's Big Bend region. Each year, CFNF awards ten grants of $5,000 each to eligible organizations. A separate Arts Nonprofit Grant Cycle awards five grants of $6,000 each for arts organizations in the same region. Eligible applicants must be 501(c)(3) organizations serving one or more of eleven counties including Leon, Gadsden, Jefferson, and Wakulla, with at least two years of operating history in the region. Applications for the Helping Today, Shaping Tomorrow cycle close September 30.
The Citi Foundation's 2026 Housing Supply RFP puts $20M behind 20 nonprofit housing developers at $1M each — targeting pre-development and preservation, the exact points where affordable projects die. It sits inside Citi's $60B Blueprint for Housing Opportunity. Here's what the grant design reveals and how nonprofit developers should position for the next cycle.
Read articleHopkins expanded its Pivot and Bridge program from $12.5M to $60M annually, raised the per-award cap to $250K, and dropped the divisional match requirement. Maryland chipped in $8.5M. The structure tells you where private bridge-funding is heading.
Read articleOn June 1, Maryland's Department of Housing and Community Development announced $73.3 million in FY2027 awards across six State Revitalization Programs supporting 247 projects in disinvested communities. $50.7 million — 69% of the total — went to Just Communities, geographic areas the state has designated for equity-focused investment. Another $18.6 million went to ENOUGH-eligible census tracts where childhood poverty is concentrated. The new round opens June 22 with an August 6 deadline. The Maryland model establishes a state-led framework for equity-targeted funding that operates outside the federal DEI restrictions the OMB Uniform Guidance rewrite will impose on federal grants beginning October 1, 2026.
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