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City of Toledo
Department of Economic Development

Brownfield Revolving Loan Fund
Deadline  9/30/2025


The Brownfield Revolving Loan Fund program provides low-interest, long-term financing for the cleanup and subsequent redevelopment of brownfield properties. A "brownfield" is defined as an abandoned, idled, or under-used industrial, commercial, or institutional property where expansion or redevelopment is complicated by known or potential releases of hazardous substances or petroleum.

The minimum loan amount is $25,000 and the maximum loan amount is $100,000. The loan will be disbursed through draws that are supported by the submittal, review, and approval of eligible expenses per the loan agreement. Loan recipients must retain ownership of the site throughout the loan period. Nonprofit organizations may be eligible for grant funding. Please contact our team for more information.

The program can fund 100% of the eligible project costs. All projects must follow the Voluntary Action Plan / Memorandum of Understanding Process established by the USEPA and Ohio EPA. Loan recipients must also employ a Qualified Environmental Professional to verify that all properties are being cleaned to an applicable standard.

ELIGIBILITY  [hide this]

Eligible Applicants

Eligible applicants meet the following criteria:

  • Applicant is in good standing with applicable governmental entities (i.e. current on federal, state and local income tax, property tax, utilities, code violations, fees).
  • Applicant is a for-profit or non-profit entity that owns or controls property in Lucas County
  • Applicant is not currently under regulatory program compliance


Eligible Expenses

  • Asbestos abatement
  • Oversight of cleanup activities
  • Excavation, consolidation or removal of contaminated soils
  • Removal of source materials, including free product
  • Sampling related to implementation of a selected cleanup plan
  • Installation of drainage controls
  • Capping of contaminated soils
  • Removing, mitigating, or preventing the release or threat of a release of hazardous substance, pollutant, contaminant, petroleum product, or controlled substance into the environment
  • Removal of drums, barrels, tanks, or other bulk containers that contain or may contain hazardous substances, pollutants or contaminants, including petroleum
  • Site monitoring activities, including sampling and analysis that are reasonable and necessary during the cleanup process, including determination of the effectiveness of cleanup


Ineligible Expenses

  • Pre-cleanup activities such as site assessment
  • Addressing drinking water supplies
  • Work required under existing permits
  • Lead abatement
  • Demolition, construction and development activities
  • Environmental insurance

All contractors shall have required licensing, bond, and insurance, and all work shall be performed according to applicable codes (i.e. Ohio Revised Code and Toledo Municipal Code).


1. Application Submission

Submit an application and supporting documentation to the Department of Economic Development using ZoomGrants. Failure to submit a complete application and required documentation will delay the review and approval process.

Required documentation includes:

  • Tax Registration Form
  • Vendor Registration Form
  • W-9
  • Operating Agreement
  • Board Resolution
  • Three years historical financial statements (balance sheet, profit/loss statement)
  • Three years projected financial statements
  • One year month-by-month cash flow statements
  • Personal financial statement (10% ownership or more)
  • History of business
  • Funding sources and uses
  • Line Item Cost Estimates for Remedial Work
  • Resumes of officers and key management personnel
  • Environmental Reports (Phase I & Phase II Environmental Assessment Reports, Asbestos Surveys, etc.)


2. Application Review

The Department of Economic Development will review the application and supporting documentation to determine eligibility. Eligible applications will be reviewed by the Toledo Plan Commission to ensure appropriate approvals have been obtained prior to the application being approved.


3. Application Approval

The application will be presented to the City’s Incentive Advisory Committee (IAC) for review. The IAC consists of eight independent citizens that provide oversight of the City’s incentive programs. The IAC will provide a formal recommendation to the Mayor on how to proceed with the application.


4. Brownfield Revolving Loan Fund Agreement

If the application is approved, the City will enter into a Brownfield Revolving Loan Fund Agreement with the applicant to establish the terms and conditions in which eligible work can be reimbursed by loan proceeds. Any work performed prior to execution of the Brownfield Revolving Loan Fund Agreement is not eligible for reimbursement. In addition to the BRLF Agreement, the applicant will be required to provide a personal and/or corporate guarantee and promissory note to the City of Toledo on the real property in which the remediation work will be performed. The personal and/or corporate guarantee and promissory note will have a term of equal to the loan term and will restrict the property owner from selling the property without approval from the City of Toledo during that time period.


5. Project Completion and Reimbursement

The project is defined as eligible work to be performed to the site. To qualify for reimbursement, the project must be complete within twelve months of the effective date of the Brownfield Revolving Loan Fund Agreement.

The loan will be disbursed through draws that are supported by the submittal, review, and approval of eligible expenses per the loan agreement. When requesting a draw, the applicant must submit copies of all invoices, and copies of permits and inspections. The Department will review the information for accuracy and completeness and process the reimbursement payment, which will be disbursed by check.

Applicants have the option to submit for a total of four draws. As part of the final draw request, applicants will need to provide proof that the remediation work has been completed. Loan recipients may be required to complete an informational survey both prior to and after funding.



Please email your questions to Marc Gerdeman at

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