Montco Opportunity Loan Program

The Montco Opportunity Loan Program is designed as a “one stop shopping” tool for businesses seeking capital and labor in Montgomery County. Through this new financing program, sponsored by the County and the Commonwealth of Pennsylvania, we are able to offer opportunities to help small and medium sized business grow their employee base and maximize the value of their investments in land and capital equipment.

By linking the interest rate of the loan to the company’s participation in other county economic development efforts, such as skills training and our PA CareerLink® employment services, the program is able to offer unique incentives and cost-saving benefits to businesses.

Our employment services group is able to support the business community’s needs by offering free recruitment services to any Montgomery County company looking to hire new employees. This builds on existing programs in the County by connecting our PA CareerLink® services to the business community, reinforcing our outreach to businesses with a dedicated team focusing solely on tailoring our capabilities to job recruitment needs.

Application Process

The single Loan Application allows the applicant to apply for various programs using one form while capturing specific program information needed to evaluate the project for possible funding. The application is designed to help applicants comprehend the program requirements up front and expedite the review process.

Applications must be submitted through the County’s Procurement website, where an open solicitation is posted. Applicants must complete all parts of the application that are relevant and applicable to their business. Applications may be submitted at any time during the course of the year.

Following submission of the application, the applicant will be contacted by the County on the progress of their application. Applicants will be required to meet with staff to discuss the completeness of the application and the proposed plan; if an applicant has not submitted the needed information, or cannot demonstrate the wherewithal to repay the loan, the application may be rejected.

Should an application be rejected, the applicant may resubmit during a subsequent review period. Staff can also work with applicants to direct them toward other loan programs or business assistance opportunities that could assist in developing a more complete proposal.

The Montgomery County Development Corporation (MCDC) will review applications six times per year. Review for submissions received from January 1 to February 28 will begin on March 1. Subsequent periods of review will begin on May 1, July 1, September 1, and November 1. The County is committed to providing an affirmative commitment or cause for rejection of the application no later than sixty (60) days after the initiation of a review period.

Fees and Costs

The Borrower will be required to pay the following fees to the Authority:

1. Application Processing Fee: A non-refundable $500 fee due at the time of submission of the application; and

2. Closing Fee: One percent (1%) of the value of the loan, due at the time of the loan closing.
In addition to the above fees, the Borrower shall pay all unanticipated out-of-pocket expenses of the Authority relating to the loan, including the fees and expenses of the Authority’s legal and other professional costs.


The Parties agree that the information, documents and instruments delivered to the County, including, without limitation, any application materials and all agreements and documents referenced herein or executed and delivered by the parties at Closing, are of a confidential and proprietary nature (“Confidential Information”), with the exception of the “Non-Confidential Executive Summary.” Except as otherwise required under any legal requirements, the County will maintain the confidentiality of all Confidential Information delivered to it by the other Party or its agents in connection with the negotiation of a loan unless (i) compelled to disclose by judicial, administrative or canonical process (including, without limitation, in connection with obtaining governmental and regulatory approvals necessary to consummate the transactions contemplated hereby) or by other requirements of law, or (ii) disclosed in an action or proceeding brought by a Party hereto in pursuit of its rights or in the exercise of its remedies hereunder.


1 - Register with Public Purchase:

Use the link below to begin the registration process and select the “Free Registration” option. It can take up to 24 hours to activate your account. You will receive an email from letting you know when your account has been activated.

2 - Register with Montgomery County:

Once you have received your activation email from Public Purchase, log into and accept the terms and conditions of use. Then link below to start your registration process with the County. .,pa.

If you need further assistance with this process please contact Public Purchase directly at

3 - Application Documents:

Loan Program Introduction Document

Montgomery County Loan Application Checklist

Montgomery County Loan Application