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Enterprise Loan Program

The City of Lancaster has established a Small Business Loan Program to provide special rate financing to small businesses locating or expanding in the City of Lancaster. The program is principally designed to provide gap financing to applicants.   

The Small Business Loan Program will be made available to those businesses located or planning to locate within the City of Lancaster.

Loans can be made out in the amounts listed below for the different classes of businesses listed below:

a. Micro Enterprise Loan (start-up business): The fixed asset financing and working capital up to 90% of the total financing needed; not to exceed $20,000.
b. Enterprise Loan: Fixed asset financing up to 80% of the total financing needed; not to exceed $250,000. Working capital loans may be considered but limited to $20,000 for qualified applicants.

The City reserves the right to determine the loan amount based on the intended use of the proceeds and the financial and capital assets of the applicant.

For more detail on what the Enterprise Loan Program entails and its requirements, click here.

To download the application for this program, click here.

Façade Loan Program

The City of Lancaster’s Downtown Facade Improvement Program seeks to:

     - Improve the pedestrian environment of Downtown Lancaster.
     - Improve the external appearance, lighting and security of storefronts.
     - Enhance the attractiveness of Downtown Lancaster.
     - Attract more customers and businesses.
     - Preserve and restore historic properties.
     - Encourage economic development and leverage additional private investment.

Applicants for the Façade Loan Program must be the owner of either the property or the business for which funding is sought. If the Applicant is the business owner, written permission must first be obtained from the property owner in order to proceed with the process of applying. 

The total cost for the Project must be at least $1,000, and no grant shall exceed $10,000.00.

The Applicant must show proof of matching funds prior to receiving a loan.

If you are interested in the Façade Loan Program, eligibility requirements, application, and the map of eligible areas for the Program, please click here.

If you have any questions, please contact Marisol M. Torres (se habla español) at (717) 291-4708 or at

Additional Business Resources

For a list of other financial resources, please visit