Entrepreneurial Development Loan Fund: startup and small-business loans
Oregon application preparation guide
Source review: 2026-10-11

Funding type: Loan  -  repayment required
Service area: Shared Oregon or institution-specific route
Direct state loans for establishing or expanding startups, microenterprises and small businesses.

Who can apply
Must meet a published revenue, employee-count or disability-ownership criterion; repayment capacity, collateral, equity and certified counseling also apply.

Amount or support
Repayable financing; ask about current rate, collateral, equity and lifetime borrowing limit.

Availability
Confirm current funding, eligibility and application requirements with the provider.

Deadline or timing
No fixed deadline stated in reviewed guidance; ask the provider about current intake and funds.

Prepare (the provider may request other or alternative documents)
[ ] Business plan and expenditure plan
[ ] Current EDLF application
[ ] Personal financial statement and demographic questionnaire; counselor review as directed

How to apply
1. First contact an SBDC or another EDLF Certified Entity for counseling.
2. Discuss eligibility and the project with a Business Finance Officer.
3. Prepare the application and business plan with your counselor.
4. Submit the package through the SBDC or Certified Entity as directed.

Official application or contact route: https://www.oregon.gov/biz/programs/edlf/pages/default.aspx
Keep a copy or confirmation number and check provider messages for next steps.

Limits: Not a grant. Published revenue and employee limits must be checked in the current application.

Publisher sources
Business Oregon : Entrepreneurial Development Loan Fund (EDLF) : Entrepreneurial Development Loan Fund (EDLF) : State of Oregon
https://www.oregon.gov/biz/programs/edlf/pages/default.aspx
Captured evidence SHA-256: cf726c4ca02f012203dc801bc8bd35d6f7f11e51b85f56e8f4afbf00fdf2f085

This is a preparation guide. Submit the application directly to the responsible provider. This navigator does not submit applications or decide eligibility.

Start here
Contact an EDLF Certified Entity, such as your local SBDC, then a Business Oregon Business Finance Officer. Use the program page's Program Information and Application link to prepare the loan request with your counselor.

Where and how to submit
Submit the completed application, attachments, signatures and reviewed business plan to your SBDC or other Certified Entity counselor as directed on the current program page. Coordinate the final Business Oregon submission with the counselor and Business Finance Officer; the linked application also describes submission to Business Oregon.
https://www.oregon.gov/biz/programs/edlf/pages/default.aspx

What will it cost?
No application fee or fee for working with an SBDC or Certified Entity; third-party fees may apply. This is a loan that must be repaid with interest. Obtain the written repayment and collateral terms before accepting it.

After submission
Work with your counselor on any missing attachments or business-plan changes. Discuss collateral, owner equity and repayment capacity with the Business Finance Officer. Continue using counseling as the application instructs.

Corrections, denials and appeals
If the counselor and application give different submission instructions, resolve the destination with the Business Finance Officer before sending financial records. Ask that officer about incomplete materials or eligibility concerns; the reviewed sources do not establish a denial appeal procedure.

Language, disability and offline help
Use Business Oregon's Contact Us or Staff Directory links to locate the appropriate officer. The agency's main number is 503-986-0123. Your SBDC or Certified Entity counselor helps prepare the package.

Additional workflow sources (reviewed 2026-10-11)
Business Oregon Entrepreneurial Development Loan Fund
https://www.oregon.gov/biz/programs/edlf/pages/default.aspx
SHA-256: 6ba8fc5ca0e1681de8b408ead355815fee098cd42c8febcef0caa1b1ec7bcb56
EDLF Program Information and Application linked by Business Oregon
https://www.oregon.gov/biz/Forms/EDLFapp.pdf
SHA-256: 7fbf84b1a660fa5064f0718d8e5cf6bd375cace46556aa8901b8326456eee1be