Leverage Interest-Free Loans for Your Small Business  

Interested in environmental improvements? Explore the MPCA’s small business environmental improvement loans program.

The Minnesota Pollution Control Agency (MPCA) offers a valuable program to help small businesses like yours: Zero-Percent Interest Loans.

This program provides funding for projects that help businesses meet or exceed environmental regulations, reduce waste and emissions, and improve overall environmental performance.

Key Benefits:

•  No Interest Payments: Eliminate interest payments and maximize your return on investment.

•  Flexible Repayment Terms: Repay the loan over a period of seven years.

•  Support for a Wide Range of Projects: Funding is available for projects such as equipment upgrades, pollution prevention technologies and environmental site assessments.

•  Collateral Flexibility: The program offers a variety of acceptable collateral options.

Who is Eligible?

•  Small businesses in Minnesota with less than 100 full-time employees (including sole proprietorships, partnerships and associations).

•  Businesses with the potential to emit air, water or ground pollutants.

•  Businesses requiring capital to purchase equipment for environmental compliance or for site investigation and cleanup.

•  Businesses with after-tax profits under $500,000.

Application and Evaluation:

The MPCA is currently accepting applications. Decisions are based on:

•  Your ability to repay the loan.

•  The environmental benefits of your project.

A review committee of environmental and financial experts evaluates each application within 45 days.

Ready to Get Started?

•  Visit the MPCA Small Business Loan Program website at pca.state.mn.us/grants-and-loans/small-business-environmental-improvement-loans for details on eligibility, application procedures and program guidelines.

•  Contact Emery David at (651) 757-2366 or email: smallbizfunding.pca@state.mn.us with any questions you may have.

You can also contact the MPCA Small Business Environmental Assistance Program for confidential assistance on regulatory matters at: (651) 282-6143 or e-mail smallbizhelp.pca@state.mn.us.  

Want more? Check out the February 2025 issue of AASP-MN News!