There are thousands of low-interest, small business loan programs available to small businesses that are available through states, counties, cities, local economic development agencies and not-for-profits. Funding for these programs comes from a variety of programs such as the Small Business Administration (SBA), Economic Development Administration (EDA), United States Department of Agriculture (USDA),  etc.

Local revolving loan programs are available as an economic development tool to help communities prosper by providing financing for entrepreneurs who are not able to secure sufficient capital from banks. These programs focus more on job creation than credit score, improving access to small business funding and growing communities.