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Contractor's Cash Flow Fund

Prince George's County Contractor's Cash Flow Fund ("The Fund") will assist local, small and minority-owned emerging businesses with cash flow funds required to either qualify for a government-issued contract or to commence or maintain performance on a contract.


The Fund is a collaboration between the following organizations:

  • Prince George’s Financial Services Corporation (FSC First)
  • Prince George’s County Office of Central Services (OCS)
  • Prince George’s Economic Development Corporation’s Small Business Initiative (SBI)

For more information, please contact the SBI at (301) 583-4650

Purpose of the Fund

The Fund is designed to provide cash flow financing to creditworthy local, small and minority-owned contractors to fund the first 90 days of performance on a new contract. Loan proceeds may be used for working capital, labor, supplies and materials, and the purchase of equipment, provided that the entire cost can be recovered from the contract proceeds.

Typical Interest Rates/Fees

Application Fee: $500 to $1,500 (non-refundable – payable with loan proceeds)
Interest Rate: Wall Street Journal published Prime Rate plus 2.75% to 5%
Late Fees: $250 per month or 5% of the outstanding balance, whichever is less
Extension Fee: $250 per month


Pilot Period

During the Pilot Period, April 1st through June 30th, local contractors will be pre-qualified by the Office of Central Services as part of their pre-bid process and once selected as the contract awardee, the OCS will notify the SBI and FSC first. The initial lending capacity during the pilot program is $250,000.

Eligibility Requirements

  1. Minimum of 3 years operating experience
  2. Proven track record in the industry
  3. Pre-Qualification determined by SBI
  4. Business Plan or Executive Summary
  5. Complete Loan Application (Package)
  6. Certificate of Good Standing
  7. Certificate of Insurance
  8. Copy of Contract
  9. Aging Report
  10. Progress Schedule

To Apply

  • Office of Central Services: (301) 883-6400
  • Small Business Initiative: (301) 583-4650
  • Financial Services Corporation: (301) 883-6053