COVID-19 Relief Loan Program

The NKADD Revolving Loan Fund (RLF) is now offering COVID-19 Relief Loans to small businesses that have been economically impacted by the current state of emergency. Applications will be accepted until June 30, 2020.

Use of Funds: Loans may be used for meeting short term working capital needs such as payroll, rent, utilities, supplies, inventory management, and/or payments to suppliers.


* Existing business that is legally registered in the Commonwealth of Kentucky and be located within Boone, Kenton, Campbell, Carroll, Pendleton, Grant, Owen, or Gallatin County.
* Business must have been impacted by mandated closures due to COVID-19.
* Business must be in the industrial, commercial, or service sectors.
* The applicant must submit a completed application with supplemental documents.

Loan Terms

* Amount: $10,000 to $30,000
* Maximum Terms: up to 36 months with 6 month deferral from date of loan closure. Interest will be accrued during deferral period
* Interest Rate: 3%
* Collateral: personal guarantee of borrower

Downloadable Forms

COVID-19 Business Relief Loan Application

Please contact Dominique DeLucia with questions. This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact Information

Northern Kentucky Area Development District

22 Spiral Drive
Florence, KY 41042
P: 859.283.1885
F: 859.283.8178
TDD: 711
For general questions, please email

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