MBDL Micro Business Development Loans

Kelly Hess
MBDL Manager
(608) 254-8353 ext. 234

Micro Loan Fund

The Micro Loan Fund Program provides small loans to start-up, newly established, or growing qualified applicants or small businesses. The key objective is to assist business owners, who have traditionally had difficulty accessing debt financing, by affording them another alternative to obtain credit. The rate is fixed at 5% and the loan amount can be between $1,000 and $10,000. This loan must be secured by 100% collateral.

loans for business


  • Be located in, or propose to locate in, South Central Wisconsin (Counties of Adams, Columbia, Dodge, Juneau or Sauk).
  • Create and/or retain a minimum of one job per $10,000 loan (outside of owner).
  • Demonstrate ability to repay the loan.
  • Appear to the Loan Committee meeting to answer questions concerning the loan and about the need of the loan agreement.
  • Eligible activities include: acquisition of equipment, machinery, furniture and fixtures; new working capital; site improvements; leasehold improvements; building acquisition; or building renovation.
  • Adequate Collateral & Security Requirements will be sought on all Micro loans.
  • Have annual sales less than $100,000 AND have 10 or fewer employees.
  • Demonstrate ability to repay the loan. Eligible activities include: new working capital; inventory purchases and supplies; acquisition of equipment, machinery, furniture and fixtures; leasehold improvements; & building renovation and rehabilitation

Thinking About Starting A Business?

Click the link to take FREE INTERACTIVE ONLINE CLASS to see if you are ready.

Micro Business Loan Application

CWCAC does not provide technical assistance or training for small business. If you have questions in regards to starting a Small Business, what forms you need, tax documents or other forms please visit the following websites.

Revolving Loan Funds:

If you are interested in a Revolving Loan Fund please see the links below for Adams, Columbia & Sauk Counties.

Adams County Revolving Loan Fund
Columbia County Revolving Loan Fund
Sauk County Revolving Loan Fund