First Microloan of WV, a division of; WCCED services are provided on a non-discriminatory basis in accordance with regulations of the Small Business Administration governing Equal Employment Opportunity and Equal Treatment of Clients.   
We do not discriminate as a lender, provider or employer on the basis of race, color, religion, sex, marital status,  affectional preference, disability, age or national origin in services or accommodations offered or provided to our employees, clients or guests.
Individuals with disabilities are entitled to receive reasonable accommodations (if requested at least one day in advance) to enable them to fully benefit from our programs and services.  To make accommodation arrangements, contact Tim James at our office.



West Virginia SBA Microloan

Application Packet

SBA MICROLOAN PROGRAM provides commercial loans from $5,000 to $50,000 in 

Barbour, Brooke, Calhoun, Doddridge, Gilmer, Hancock, Harrison, Lewis, Marion, Marshall, Monongalia, Ohio, Pleasants,  Preston Ritchie, Taylor, Tyler,  Upshur, Wetzel, Wirt, and Wood Counties.

The program was initiated when Senator Robert Byrd helped West Virginia small businesses by spearheading the changes that allowed WCCED to become the first organization in the country to offer the Microloan program across state lines.

Cafe Bacchus

The program provides financing at a fixed interest rate (contact us for current rate information.) Since 1994, WCCED has loaned over $1,010,000 to entrepreneurs in West Virginia to help start and/or expand their small businesses.

Eligible uses of financing include: 

  • Opening or expanding your business
  • Buying inventory
  • Purchasing equipment
  • Supplementing working capital

Borrowers must demonstrate job creation and/or retention.

Standard application required.

Funded by: United States Small Business Administration; WCCED