Start-up and existing business


Our microloans are available for up to $50,000 to help support small businesses with startup costs or expansion for existing businesses. Borrowers are usually single member LLCs that have been in business for less than a year. Our average microloan is about $26,000.

Microloans have been used to purchase equipment, supplies, inventory, make lease payments, improve working capital, expansion and more. Whatever the need may be, a micro-loan from The Rising Tide can help any business in a community where resources and opportunities for growth are limited.

Who is eligible?

Any startup or existing business may apply for a Rising Tide line of credit.  We support locally-owned businesses in Eastern PA:

  • Carbon
  • Lehigh
  • Monroe
  • Northampton
  • Upper Bucks
These loans are available for up to $50,000.

Microloans can be used for start-up business costs or expansion costs for existing businesses. Examples of the costs include:

  • Equipment/machinery
  • Marketing Costs
  • Inventory
  • Working Capital
  • Supplies

Loan terms vary and they are based on many different factors.  The amount requested, use of funds and collateral are factors that are considered.  The longest possible term is 15 years. 

You can apply online or download and complete these application materials. If you need assistance, feel free to contact us