Serving Clay • Effingham • Fayette • Marion • Jasper Counties

South Central Illinois Regional Planning & Development Commission

Loan Services

SCIRPDC offers below-market, fixed-rate financing to support business development, local government entities, and nonprofit organizations throughout the region.

Community Development Loan (CDI)

Flexible financing support for local governments and nonprofit organizations.

  • Can finance infrastructure projects, local grant matches, and compliance requirements
  • Below-market fixed interest rate at prime -1.0% (special districts and nonprofits) or -1.2% (municipal and county governments)
  • Up to 15-year term
  • Funds the lesser of 75% of project costs or up to $250,000

Rural Business Initiative (RBI)

Helps bridge funding gaps for business expansion and economic development projects.

  • Can finance equipment, real estate, and working capital
  • Below-market fixed interest rate at prime -1.0%
  • Up to 15-year term
  • Funds the lesser of 75% of project costs or up to $500,000

Get Started

Whether you're a local government, nonprofit organization, or business seeking financing, SCIRPDC can help identify the right loan program and guide you through the application process. Contact our team to discuss your project and available funding opportunities.

Contact Us