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The Micro Loan Fund Program provides small loans to startup or newly established small businesses. The key objective is to assist business owners who are unable to access traditional financing (bank or credit union). RBF, Inc. can be the sole source of financing in the Micro Loan Fund program.


  • Loan sizes from $5,000 to $30,000.   

  • 4% fixed interest rate.   

  • Repayment terms up to ten years, with the exception of working capital loans which have a maximum term of three years.   

  • Collateral is required.   

  • Unlimited personal guarantees are required for any owner with a 20% or greater ownership interest in the business.

  • Approved loans are enrolled in the Capital Access Program.


  • Be located in, or propose to locate in, West Central Wisconsin (counties of Barron, Chippewa, Clark, Dunn, Eau Claire, Polk, and St. Croix).*   

  • Business plan and financial projections required.   

  • 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; real estate acquisition; natural disaster recovery. 

*Some communities within these counties may not be participating.



Interested businesses should complete and submit applications to their local County Economic Development Corporation or directly to the West Central Wisconsin Regional Planning Commission.

Use the icons below to download the application and to submit your $50 application fee.

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