Micro-Enterprise


Spark Program Header

Microbusiness Program 
The Louisville Metro Department of Community Services and Revitalization offers a microbusiness program to help low and moderate income business owners with starting and growing small businesses. A microbusiness employs five or fewer people, including the owner. The program includes training, technical assistance and an opportunity to apply for a loan.

Loan Program 
Many microbusinesses have little or no access to the commercial banking sector. Community Services and Revitalization (CSR) has created a revolving micro-loan program. The loans can be financed up to six years with a preference towards shorter-term loans. The repayment period will begin 60 days after the loan closing. 

There are two programs available:

    • The Ignite loan program is for businesses that have been open for at least one year. The loans range from $5,000 to $15,000, with an interest rate of 4%.
    • The Spark loan program is for start-up businesses or businesses that have been open for less than one year. The loans range from $500 to $4,999, with 0% interest.

Click here to download the revolving loan application

To learn about special incentives for business located within the Shawnee neighborhood as part of the Shawnee Neighborhood Revitalization Strategy Area (NRSA), click here .

Upcoming Training



Technical Assistance and Outreach


The CSR microbusiness team provides technical assistance to business owners. Outreach services strengthen the assistance to small businesses through strategic partnerships in the small business community. CSR works with Louisville Metro’s Economic Growth and Innovation Office and other organizations in Louisville to assist small businesses. Services include:
    • Pre-assessment counseling
    • Business coaching
    • Client referrals
    • Community events and networking
    • Business workshops
    • Power Focus Microbusiness Roundtable meetings

Program Eligibility
Individuals or businesses that qualify for the program include:

    • Businesses that employ five or fewer employees including the owner.
    • The business must be located within Louisville/Jefferson County and the owner(s) must also live in Louisville.
    • The business owner’s household income must fall at or below 80% of AMI to qualify for the program.
Persons in Household 50.1 - 80% of AMI
1 $35,700 or less
2 $40,800 or less
3 $45,900 or less
4 $50,950 or less
5 $55,050 or less
6 $59,150 or less
7 $63,200 or less
8 $67,300 or less

Additional Information

Please click here for additional Micro-Enterprise resources.

Contact Us
For more information, call (502) 574-5168 or (502) 574-5866 or visit www.louisvilleky.gov/csr .

Click here to read an article about how our Microbiz team is helping Louisville businesses!

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Congrats to the August 2014 graduates of the "Foundational Leadership for Micro-entreprenuers" Program!

Microbusiness Foundational Leadership Graduates






CSR Microbusiness memberships help better service our community through:

Association for Enterprise Opportunity
AEO is a national membership organization that helps more than two million entrepreneurs contribute to their communities through business ownwership.

Association for Enterprise Opportunity

Microtracker
MicroTracker helps microenterprise programs track the performance and client outcomes of organizations nationwide.

MicroTracker

Credit Bureau Alliance
CBA helps nonprofits build stronger credit in their communities.

CBA