CityWide’s Capital to Build Capacity (C2BC) Program provides financing for real estate and permanent working capital to businesses located in Montgomery County.  The C2BC Program is funded in part with a loan and investment from Fifth Third Bank.


Program Targets

  • Woman owned business
  • Minority owned business
  • Revenue under $1.0 million
  • Low to Moderate Census tract
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Eligible Loan Uses

  • Real estate acquisition
  • New construction
  • Renovation of existing buildings
  • New and/or used machinery and equipment acquisition
  • Permanent working capital


The Benefits

  • Low down payment
  • 10% owner’s equity injection


Maximum Loan Amount

  • $200,000
  • $25,000 of CityWide loan dollars per job created or retained



  • Fixed asset:  Useful life of asset up to 5 years
  • Working capital:  Up to 3 years
  • Real Estate Acquisition, Construction, & Renovations:  Up to 5 years



  • Rates are determined by the assessed risk



  • $500 application fee
  • 1.5% origination fee
  • 1% deposit due upon acceptance of loan commitment to cover out-of-pocket closing costs – i.e. legal, title, recording, etc.