Your Guide to Customized Business Funding
CAEDC’s consultative approach helps you navigate the business loan and funding landscape. We understand that the right funding isn’t just about filling out forms – it’s about building relationships. Whether you’re launching a new venture or expanding an existing business, our team provides you with smart, customized support that supports long-term growth.
Here’s what sets our business loan services apart:
- Personalized Guidance: Work with local experts who take the time to understand your business goals and financial needs – then tailor solutions that make financing simple, approachable, and effective.
- Deep Local Connections: As Cumberland County’s lead-certified Economic Development Organization (EDO), we connect you with a robust network of community resources and funding partners.
- Competitive Low Interest, Fixed-Rate Loans: We help secure affordable financing to help you launch, grow, or scale your operations – all with rates that make sense for your bottom line.
Your Pathway to Growth Starts Here
From startup funding to low-interest loans for business expansion, Cumberland Capital + Connection (CCC) aims to empower business owners at every stage. We support a wide range of industries – including manufacturing, retail, agriculture, tourism, and more – and our local insights help guide you toward the best financing options and streamline your path to success.
You don’t need to know every answer. You just need the right partner to ask the right questions.
Not Sure Where to Begin?
Let us help you cut through the confusion.
Call Us📞 Schedule a Consultation
There’s no obligation – just honest, expert advice and real solutions from people who care about your business and believe in your potential.
Cumberland Capital + Connection Loan Programs
Cumberland Capital + Connection isn’t a bank. We are your local ally, connecting you to business funding with insight, integrity, and a personal touch. Let us help guide you through our low interest, fixed-rate loans. Contact us to receive personalized guidance, access to the right funding, and assistance with the application process.
Cumberland Small Business Fund (CSBF)
The Cumberland Small Business Fund (CSBF) provides low-cost financing for small businesses in Cumberland County to support real estate acquisition, construction, renovations, equipment purchases, and working capital, with a job creation requirement for local residents.
Cumberland Revolving Energy Loan Fund (CRELF)
The Cumberland Revolving Energy Loan Fund (CRELF) provides renewable energy business loans to help businesses in Cumberland County finance energy-efficient retrofits and install small renewable energy systems like solar panels, wind turbines, and geothermal solutions.
Tourism Infrastructure Loan Fund (TILF)
The Tourism Infrastructure Loan Fund (TILF) offers tourism business loans and building renovation loans to support hospitality enterprises in Cumberland County, financing projects like land acquisition, new construction, equipment purchases, and site improvements, with low-interest rates and flexible terms.
State Small Business Credit Initiative (SSBCI)
The State Small Business Credit Initiative (SSBCI) Program can be used by businesses looking to finance a variety of needs. Business owners that are classified as Socially or Economically Disadvantaged Individuals (SEDIs) are encouraged to apply for this program.
Other CAEDC Financing Opportunities
CAEDC is your connection to access state and federal financing.
Small Business Administration (SBA) 504 Program
The Small Business Administration (SBA) 504 Program offers small business loans for real estate acquisition, equipment loans for small businesses, and refinancing loans for small businesses, while also providing long-term, fixed-rate financing for construction, renovation, and major equipment upgrades through a unique loan structure involving private lenders and borrower equity.
Pennsylvania Industrial Development Authority (PIDA)
The Pennsylvania Industrial Development Authority (PIDA) provides low-interest financing options, including land and building financing, manufacturing equipment financing, and business working capital loans, as well as funding for construction, renovation, and energy efficiency projects to support a variety of industries across Pennsylvania.
Industrial Sites Reuse Program (ISRP)
The Industrial Sites Reuse Program (ISRP) offers brownfield redevelopment funding through grants and environmental remediation loans to support site assessments and the cleanup of hazardous substances at former industrial properties.
Tax-Exempt Financing: Cumberland County Industrial Development Authority (CCIDA)
The Tax-Exempt Financing Program provides tax-exempt business loans for industrial development financing and nonprofit projects, supporting eligible uses like real estate acquisition, construction, machinery purchases, and infrastructure improvements, with long-term, low-interest rates that reduce costs for large-scale projects.
Current Interest Rates
CCC Loans: 3.5%
PIDA: 4.25%-5.5%
SBA 504: <6.5%
ISRP: 2%
Success Stories
Cumberland County is one of the fastest growing counties in Pennsylvania. That growth is not by chance, but by design. Since 2005, CAEDC has been a driving force in advocating for community prosperity and has financed impactful projects in Cumberland County for 20 years.
Through Cumberland Capital + Connection, we can provide financing for machinery and equipment, working capital, new construction, renovation, engineering, energy efficiency updates, and more.
Read about some of our success stories and contact us to find out which loan is right for you.
