Missouri Linked Deposit Program

Missouri Linked Deposit Program is a state administered program that invests in approved banks that ultimately result in reduced interest passed on to Missouri small businesses.

The Missouri Linked Deposit Program is administered by the State Treasurers Office and provides investment deposits to State approved banks that have made loans to businesses headquartered and operating in Missouri. The funds are invested by the state at a significantly reduced interest rate. That reduction in interest is passed on to the business to lower their loan interest rate by up to 2 to 3 percent.


Small Business

  • Borrower must be headquartered and operating in Missouri
  • Typical upper limit loan amount: $250,000
  • Maximum term: 5 years
  • Must have less than 100 full time employees
  • Funds can be used to refinance existing qualifying loan

Job Creation

  • Borrower must be operating in Missouri or as a condition of receiving linked deposit agrees to locate a facility or operation in Missouri.
  • Minimum $90,000 loan amount
  • Maximum term: 5 years
  • Borrower must have 10 or more employees with benefits
  • 1 job must be created/retained per $50,000 received
  • Borrower can use the funds to finance the initial cost of equipment, capital outlay, or capital improvements associated with the physical expansion, renovation, or modernization of a facility or equipment.

Please see the web site for applications and additional details of the program.


Missouri State Treasurers Office

(573) 751-2372

External Links


MO Linked Deposit Program

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