Business Financing Resources

Facade Improvement Program

The City of North Saint Paul is offering a simple, and easy way to upgrade business storefronts in the Downtown B2 Zoning District. This ongoing program will help you attract customers, and enhance the aesthetic appeal of the downtown commercial district.

Program Information:

  • Loan Amount: $1,000 - $15,000
  • Forgivable Loan/Grant: 20% is forgivable
  • Owner Equity: 20% of project amount
  • Loan Term: Up to 5 years
  • Eligible Uses: Front/rear building facade, windows/doors, signage, awnings, landscaping, lighting, restoration (paint, cleaning, siding), etc.

Application Process

Business owners must submit the following business and project information:

  • Business Tax Returns for previous two years
  • Credit Score of 680 or greater
  • Real Estate taxes have been paid
  • No outstanding collections or judgments
  • Business is current on rent/payroll/sales tax Loan Documents:
  • Promissory Note
  • Loan Agreement
  • Personal Guarantee

Next Steps

  • Contact Scott Duddeck, City Manager at  651-747-2436  or by email at scott.duddeck@northstpaul.org or Lee Hall, Metropolitan Consortium or Community Developers at  612-789-7337 ext 17 or  leehall@aol.com
  • Submit Application to MCCD, includingbasic business and project information
  • If loan is approved
  • Submit Project and construction documents to MCCD
  • Complete construction
  • Pay back loans and enjoy your buildingand business improvements

Sponsors:City of North St. Paul Economic Development Authority,Metropolitan Consortium of Community Developers andNorth St. Paul Business Association