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Grocery Energy Savings




Martin Cox, Jackson IGA.

do you need a loan for your enterprise?


MACED lends to businesses, nonprofits and public agencies. We specialize in working with enterprises that create jobs, diversify local economies or provide critical community services in Central Appalachia. Loans range from $1,000 to $750,000 and we provide free or discounted support services.


Our loan products include the following.


woman working at storeMicroloans—Loans of less than $50,000 to start-up and existing enterprises. Typical uses are:

• Start-up loan with support services package ($1,000-$15,000)

• Short-term working capital

• Purchase of equipment or
leasehold improvements

Energy Savings Microloans (5%, up to $50,000)


manufacturingBusiness Loans—Loans over $50,000 and are usually made to existing enterprises. Typical uses are:

• Purchase of equipment or real estate

• Short-term working capital

• Debt restructuring

• Acquisition of another business or expansion of business line


Installing insulation in walls.Energy Efficiency Loans—Loans to finance improvements such that loan repayments match monthly energy savings.

• Lighting, HVAC and other facility systems improvements

Grocery refrigeration and heat waste reduction (with free energy audits)

• Facilities energy cost share savings programs (by qualified ESCOs)

• Microloans ranging from $1,000 to $50,000 for energy efficiency projects


Children on playground.Community Services Loans— Loans to enterprises that provide community services such as child care, elder care or health care. Typical uses are:

• Short-term bridge financing for capital projects

• Purchase of equipment or leasehold improvements

• Energy efficiency projects


Rates, Terms and Collateral

Our interest rates are based on the current prime rate and on a risk assessment. Loan terms are flexible, depending on use of proceeds. Business loans are collateralized and usually require personal guarantees and/or key person insurance.


To get started visit the loan application page and contact the MACED office nearest you.