Missouri State Treasurer Clint Zweifel

Linked Deposit

The Missouri Linked Deposit Program partners with lending institutions to provide low-interest loans to help create and retain jobs, expand the economy and strengthen communities statewide. By reducing the interest rate on certain loans that borrowers can use to improve their businesses, the program helps qualified lenders from Missouri better serve Missouri-based companies and agricultural operations. The program also provides funds for local governments to serve the interests of their constituents. Using the program allows lenders to lower the interest rates to the borrower by about 2-3 percent.

Effective April 21, 2011, Treasurer Clint Zweifel has adopted the HELP system – the Harmed-area Emergency Loan Priority system – to expedite Missouri Linked Deposit Program loan approvals. Borrowers in counties determined to have been impacted will receive 24-hour approval of completed applications.

As of August 28, 2014, the following county qualifies for the HELP system:
  1. St. Louis
The list of counties will be updated as needed.

The Missouri Linked Deposit Program is well-funded with a total of $720 million available, and State Treasurer Clint Zweifel’s office is prepared to use the program to its highest potential. The program has proven successful in creating and retaining jobs, expanding the economy and strengthening communities statewide for nearly 25 years.

The program’s eligibility guidelines have expanded through Treasurer Zweifel’s economic development legislation, Invest in Missouri, making low-interest loans available to more borrowers including small businesses creating jobs, alternative energy producers and consumers, agriculture operations and local governments. The signed legislation went into effect August 28, 2009. Read the full news release.

Program Information and Eligibility Requirements
Click on one of the links below to learn more about the program and eligibility requirements.

Small Business Program - $110 million
Job Enhancement Program - $220 million
Alternative Energy Program - approved case-by-case
Agriculture Program - $330 million
Local Governments Program - approved case-by-case
Multi-Family Housing Program - $20 million

Missouri Linked Deposits Review Committee

The committee has review and oversight capacity for all matters relating to the Missouri Linked Deposit Program. The committee may examine all aspects of the Missouri Linked Deposit Program, including but not limited to, its administration, operation and effectiveness.
Open Government Information
Annual Reports