METCO Loan Programs

The Metropolitan Business Development Corporation (METCO) administers Louisville Metro Government’s small business and commercial property loans for new and expanding businesses in Jefferson County. Loans can be used for start-up and expansion costs, including equipment purchases, buildout, and working capital, as well as for commercial property improvements. Loan applications are evaluated on: business plan, financial feasibility, owner experience, and credit-worthiness. Collateral is required for all METCO loans except the Business Accelerator Loan.

All METCO loan applications begin with a Pre-Screen, followed by a Pre-Application Meeting.

Ready to apply? Fill out the METCO Pre-Screen Inquiry Form

Already have a loan? Make a loan payment online

The METCO board meets virtually at 9 a.m. on the third Thursday of the month. The final METCO meeting of 2024 will be December 19 at 9 a.m.

Join the Meeting

View the METCO Meeting Minutes


State-sponsored programs

The Kentucky Collateral Support Program (KYCSP) (the “Program”) provides a pledged asset (cash collateral account) to an enrolled lender of up to twenty percent (20%) of their loan in order to enhance the collateral coverage of a small business borrower that is otherwise qualified but unable to meet the lender’s security requirements. The cash collateral account will then be pledged as collateral on behalf of the borrower on a transaction by transaction basis and located at the participating lending institution or at other designated insured depository financial institution in the name of the Kentucky Economic Development Finance Authority (the Authority)

Kentucky small businesses may qualify for a non-refundable tax credit of up to $25,000 on their state income tax return through the Kentucky Small Business Tax Credit (KSBTC) program. The program is available to most for-profit businesses with 50 or fewer full-time employees.

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