Applications for 2026 microloans are Not yet Open.

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WHO IS eligible?

This project aims to enhance an existing local food or farming venture or to help start a new one in Northwest Lower Michigan. The ideal candidate will propose an idea that would boost a farm or food business and elevate the region’s local food system. Applicants using sustainable practices are strongly encouraged, but proposals are not limited to particular practices or scale.

businesses must be located in one of these counties:

• Benzie

• Grand Traverse

• Kalkaska

• Leelanau

• Manistee

• Missaukee

• Wexford

USES FOR LOAN

• essential tools for the farm or food business

• materials, land, livestock, or essential infrastructure (reoccurring annual inputs discouraged)

• certification

• marketing and distribution

• professional development

• value-added product production

• processing, packaging, and marketing for farm products

*production of CBD and food products containing CBD will not be considered for funding due to present discrepancies between federal and state regulation of this substance.

LOAN DETAILS

• applicants may request $500 - $10,000 based on evidence of project potential

• repayment terms are negotiable (typical repayment time frame is 12 - 18 months)

• 0% interest rate

• no application fee