The Panhandle Micro-Loan Program is designed to provide small businesses with increased access to capital in the top 26 counties of Texas, the Panhandle. This program creates job opportunities and provides a means for businesses to grow. Borrowers will commit to hiring one additional full-time person for every $20,000 loaned, within two years of loan closing. The minimum loan amount for the program is $2,000 and the maximum loan amount is $40,000. As a “Risk Financing Program”, equity requirements can vary between 5% and 15%, based on the merits of the project.

Activities to be financed may include, but are not limited to:

  • Acquisition or expansion of an existing business
  • Purchase & development of land and buildings
  • Remodeling and improvements
  • Purchase of equipment, machinery or vehicles
  • Startup costs, working capital or gap financing


For more information please contact Jeff Reid, (806) 374-9777 or by email


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