Storytelling Map

Values in Operations

Voices of Appalachia


Appalachian Transition

Enterprise Development


Research and Policy


Energy Efficient Enterprises

Appalachian Development Alliance

Appalachian Transition Initiative

Central Appalachian Network

Kentucky Center for Economic Policy

Kentucky Solar Partnership

Kentucky Sustainable Energy Alliance

Working Poor Families Project

Voices of Appalachia

Storytelling Map


Resources for Business Owners

Tools for Landowners


News Releases


Media Room

Contact Information

Social Media


Directions to MACED

Employment Opportunities


Enterprise Loans

Loan Application

Enterprise Support Services

Client Profiles

Resources and Events

Contact Us


Appalachian Carbon Partnership

Center for Forest and Wood Certification

Kentucky Forest Landowner's Handbook

Our Forests

Tools for Landowners



Policy Resources

Coal Severance Fund

Kentucky Center for Economic Policy


About How$martKY™

An Energy Audit Example

Homeowner Examples

Contractors' Corner

Customers' Frequently Asked Questions

How$martKY Newsletter


Start Here

Utility Charges Explained

Tools and Calculators

Ways to Save at Work

Energy Saving Fact Sheets

Building Contractor Capacity

Paying for Improvements

Success Stories

Energy Links


Contact Us

About Us Programs Projects and Collaborations Resources News Contact Us Home
MACED logoMountain Association for Community Economic Development
Enterprise Development Forestry Research and Policy How$martKY™ Energy Efficient Enterprises

Enterprise Development Overview

Loan Products

Loan Application

ED Support Services

ED Clients

ED Resources and Events

Contact Us



Apply Now for a Loan



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.