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.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}</style><h2 class="elementor-heading-title elementor-size-default">Cumberland Plateau PDC Economic Development</h2> </div>
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<div class="elementor-element elementor-element-5af0caa ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor" data-id="5af0caa" data-element_type="widget" data-settings="{"_ob_use_harakiri":"yes","_ob_harakiri_writing_mode":"inherit","_ob_postman_use":"no","_ob_perspektive_use":"no","_ob_poopart_use":"yes","_ob_shadough_use":"no","_ob_allow_hoveranimator":"no","_ob_widget_stalker_use":"no"}" data-widget_type="text-editor.default">
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<style>/*! elementor - v3.21.0 - 25-04-2024 */
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.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}</style> <p>The economy of the Cumberland Plateau Planning District is in transition from coal mining and timber operations to manufacturing, tourism and telecommunications. The Planning District Commissions technical assistance to member counties and towns has significantly enhanced recruitment of manufacturing and telecommunications firms. The PDC has been instrumental in supporting asset-based development initiative such as The Crooked Road, Round the Mountain, Appalachian Spring and Appalachia Sustainable Development. These initiatives are based on local assets that cannot be shipped overseas, providing economic opportunity for our local communities and entrepreneurs. See links on our home page to these organizations and the important work they do.</p> </div>
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<h2 class="elementor-heading-title elementor-size-default">CARES Act Revolving Loan Fund</h2> </div>
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<p>The Cumberland Plateau Planning District Commission administers a Revolving Loan Fund (RLF) for Buchanan, Dickenson, Russell, Tazewell, Lee, Scott and Wise Counties and the City of Norton.<span style="color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: var( --e-global-typography-text-letter-spacing );"><br /></span></p><p><span style="color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: var( --e-global-typography-text-letter-spacing );">All loan applications are reviewed by the RLF Committee, which in turn makes loan </span><span style="color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: var( --e-global-typography-text-letter-spacing );">recommendations to the Cumberland Plateau PDC Board of Directors for final approval.</span></p><p>In order to assist business expansion and new job creation, the RLF administrator can take subordinated liens in order to enhance financing from conventional sources. RLF monies are also available to public entities, but preferably for not more than 20 percent of the total loan fund portfolio.</p><p><b>Loan Limits</b><br />Maximum $250,000<br />Minimum $25,000</p><p><b>Maximum Repayment Period</b><br />10 years</p><p><b>Interest Rate</b><br />75 percent of prime as listed in the Wall Street Journal, or 4 percent, whichever is less</p><p><b>Eligible Costs</b></p><ul><li>Land Costs: engineering, legal, grading, testing, site mapping and related costs</li><li>associated with acquisition, plan and site preparation.</li><li>Building Costs: real estate, engineering, architectural, legal and related costs</li><li>associated with construction and rehabilitation of buildings.</li><li>Machinery and Equipment Costs</li><li><span style="color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: var( --e-global-typography-text-letter-spacing );">Working Capital Loans: Limited to 50 percent of total loan portfolio. (Personal </span><span style="color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: var( --e-global-typography-text-letter-spacing );">guarantees are required)<br /></span></li><li><span style="color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: var( --e-global-typography-text-letter-spacing );">Adequate Contingency Reserves.</span></li></ul><p><b>Application Requirements</b></p><ul><li>Applicant must provide a minimum of 15 percent equity of the total project cost.</li><li>Collateral: Liens on fixed assets (may be subordinated). Personal guarantees may be required.</li><li>Loan Limits Per Project: Up to 33 percent of total project cost.</li><li>Loan Administration Fee: one percent of loan. (May be waived.)</li><li>Job Cost Ratio: Minimum $20,000, maximum $35,000 loaned per job created.</li><li>Private Sector Leverage: $2 in private financing for every $1 in RLF financing.</li><li>Letter from a conventional lender stating credit is not otherwise available at 100 percent of the project cost.</li><li>Business plan must be provided.</li></ul> </div>
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<span class="elementor-button-text">Revolving Loan Fund Application</span>
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<h3 class="elementor-heading-title elementor-size-default">Cumberland Plateau PDC Office</h3> </div>
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<p>224 Clydesway Drive<br />Lebanon, VA 24266</p> </div>
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<p class="elementor-heading-title elementor-size-default"><a href="tel:%20276-889-1778">(276) 889-1778</a></p> </div>
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