Micro Seed Fund


The Micro Seed Fund (MSF) is a loan funding opportunity designed to provide low cost loans, typically for start-up working capital needs for new businesses.

Loan Parameters:

The goal of the program is to remain as flexible as possible in working with the individual needs of applicants. Loan requests range from a minimum of $2,500 up to a maximum of $5,000 (additional funding over the $5,000 may be considered on an exception basis up to $10,000).

Loans are provided on an unsecured basis with no collateral required. The interest rate is only 1% of the total loan amount per year and payable over the term of the loan. There is no prepayment penalty.

Eligibility Requirements:

  1. Obtain the WCTC Small Business Certificate available exclusively through the WCTC Small Business Center. For more information on the certificate, contact Courtney Davis at the WCTC Small Business Center at (262) 695-3420 or email.
  2. Complete a comprehensive business plan with a minimum of 2 years of financial projections. The applicant and guarantors, if applicable, will have no concurrent interest in any other project receiving assistance through the program. The applicant will send an electronic file of their business plan to the Small Business Center for review. The plan must be approved by the Small Business Center before applying. Contact Courtney Davis at the WCTC Small Business Center to get started.

How do I apply?

  • Step 1: Submit an application online by clicking the button below.
  • Step 2: Once your application has been reviewed, you will receive an email to schedule a virtual meeting with Bank Five Nine to present your business plan and certificate.

Any questions regarding the Micro Seed Fund program can be directed to Todd Scheid at Bank Five Nine.

Loan approval generally takes 7 business days once your loan package is submitted.