NICDC Financial Bridge Loan

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Loans available through the fund range from $5,000-$50,000 and can be used for working capital and to help make ends meet during the COVID-19 pandemic.

The fund is expected to operate as a financial bridge while small businesses await funding from the Small Business Administration Disaster Relief Fund.

To be eligible, businesses must meet the following requirements:

  • Be for-profit entities
  • Have less than 100 employees
  • Be experiencing a business interruption or cash flow issue due to COVID-19.
  • Meet an average credit score
  • Must have 2018 or 2019 business federal tax return filed and other financial information
  • Evidence that you have applied for the SBA’s Disaster Relief Fund

Please return the following documentation including the COVID-19 Information Form via e-mail to or

  • Personal Financial Statement for each Principal
  • Complete copies of Personal Tax Returns for most recent one (1) year for each Principal
  • Complete copies of Corporate Tax Returns for past three (3) years
  • Resume for each Principal (if available – otherwise RLDC will interview client)
  • Copy of Interim Financial Statements (current within 60 days), including aging schedules for accounts receivable and payable
  • List names of affiliated companies (through ownership or management control); complete financial information for affiliates must be provided
  • How much funding do you request? How was that amount determined?
  • Debt schedule
  • Copy of recent credit report (otherwise RLDC will need to pull one)
  • Evidence that application for SBA Disaster Relief Loan has been completed or is in process
  • Evidence of deferment on existing debt payments and rent
  • 2202 Schedule of Liabilities
  • COVID-19 Information Form
  • Small Business CARES Act Explanation
  • Small Business Owners Guide to CARES Act