Minority & Women Revolving Loan Trust Fund (MWRLTF)


  • Loans from $2,000 to $35,000 for working capital or up to $50K for fixed expenses
  • Interest rate is 8% to 12%
  • $250 application fee (exceptions apply); 2% to 3% closing fee
  • Terms up to 60 months, may have interest only period


  • Business can either be a start up or existing business
  • Must show some proof of present income (Bank Statement, Pay Stub, Receipts, Card Payments)
  • Business must be located in the counties of Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Wayne, Wyoming, Yates, Allegany, Cattaraugus, Chautauqua, Erie, Niagara
  • Loan proceeds can be used for equipment, real estate acquisition and development, working capital, inventory, and refinance

Application requirements for products generally include:

  • Minimum 600 credit score
  • Document requests at minimum include:
    • Interim YTD financial statements for 2020
    • Financial projections (depending on loan program)
    • Legal formation documents including by-laws / operating agreements
    • Business bank statements
    • Personal financial statements and tax returns for individual with 20% or more ownership in the business

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