Tuesday October 27, 2020


50 Church Street, Windsor Locks, CT 06096

TIF District Microloans

 Loan Program Flyer (PDF)


What is the Community Development Loan Program?

The Community Development Loan Program is a microenterprise loan program to promote economic development in the Downtown Tax Increment Financing (TIF) District. Provided in partnership with the Windsor Locks Federal Credit Union (WLFCU), it is designed to stimulate business activity by making available low-interest loans to start, expand or improve businesses within the TIF District.

The primary goals of the program are to provide financing for microenterprises that without the loan would not be able to start or expand, to strengthen and diversify the Town’s economic base, to stimulate private investment in the Town’s economy, and to provide additional tax revenues.


Who is eligible to apply?

Any microenterprise located within, or planning to be located within, the Downtown TIF District whose project demonstrates a public benefit is eligible to apply for a loan.

A microenterprise is a venture that has less than five employees, is often a self-employment venture for the owner, generally does not have commercial bank financing available and has relatively small credit needs. A microenterprise may be the sole source of income for the entrepreneur or a part-time enterprise to supplement wages from a job, and has less than $500,000 in annual gross sales.


What loans are available?

Loan amounts are flexible up to a maximum of $20,000. The current interest rate on the loans is three percent.


What can loan funds be used for?

Uses for loans funds may include, but are not limited to, code compliance, site improvement, remodeling of existing building, purchase or repair of machinery or equipment, purchase of furniture or fixtures, consulting services, marketing, e-marketing or similar activities, one-time relocation expenses and working capital.


Where can I get more information?

More information can be found in the Loan Guidelines (PDF). Questions can be sent to Dede Rodrigues, Lending Manager, at 860.292.2950 x 222 or [email protected]


How do I apply?

To apply, interested parties should submit the following documents:

  • Loan application (PDF) and Addendum (Microsoft Word)
  • CPA or Company Prepared Year End Financial Statements (2 years)
  • Business Tax Returns (2 years)
  • Articles of Incorporation (if applicable)
  • Partnership Agreement (if applicable)
  • Business Plan
  • Income statement (current and previous 2 years) 


Applications can be mailed to:

Dede Rodrigues
Lending Manager
NMLS 689657
Windsor Locks Federal Credit Union
516 Spring St
Windsor Locks, CT 06096 

Applications are also accepted online. Please type "Microenterprise Loan" in the Notes to Loan Officer box.

Project Scope Aerial Photo JRSequence of Construction Map2

Project Summary:

Summer 2019 sidewalk improvements will bring approxmimately 12,000 feet of sidwalks to the Route 75 corridor, greatly enhancing pedestrian safety and access. The sidewalks will intersect over 60 properties along Ella Grasso Turnpike, Schoephoester Road, and Halfway House Road. Crosswalks and pedestrians buttons will be added in some areas. The project is funded by a $1,096,800  grant administered by the  and the C

Windsor Locks Sidewalks 90% Design (PDF). Both the design and above drawing are drafts subject to slight changes due to field conditions and stakeholder input.

Questions about the project can be sent to Jennifer Rodriguez at [email protected] or (860) 627-1447. Thank you, all, for being such great partners in this project!



  • Sidewalk Improvements, Ella Grasso Tpke, Schoephoster Rd and Halfway House Rd will begin on Wed, June 12, 2019. Improvements will start at Route 20 on the east side of Ella Grasso heading from south to north. See sequence map. 
  • June 4, 2019 Kick Off Meet and Greet, 9 a.m. to 10:30 a.m., DoubleTree Hotel at 16 Ella Grasso Turnpike
  • Costa & Son is the selected contractor. The anticipated sequence is shown on the map above.
    • Section 1 is estimated to begin in June, traveling north from Rt 20 to Halfway House Road along the east side of RT 75.
    • Section 2 is estimated to begin in late June / early July, traveling east along the south side of Halfway House Road.  
    • Section 3 is estimated to begin in July, traveling north from Halfway House Road to Spring Street along the east side of Rt 75.
    • Section 4 is estimated to begin in August, traveling west along the north side of Schoephoester Road.
    • Section 5 is estimated to begin in August, traveling east along the south side of Schoephoester Road. 
    • Section 6 is estimated to begin in late August / early September, traveling south along the west side of Rt 75.  
  • If you see red / colorful flags along the road, those are indicating utility locations for the contractor. They are not sidewalk locations. Sidewalk locations will be indicated by stakes which will be placed in the ground by the contractor in the upcoming weeks. 
  • A "Frequently Asked Questions & Answers" sheet based on June 4th event will be posted soon, along with a project start/end timeframe.
  • Town Staff will continue outreach to businesses throughout the process.

Updated as of 6/4/19


The below photos were taken at the 6/4/19 Meet and Greet, sponsored by the Windsor Locks EIDC and hosted by DoubleTree Hotel.
From left to right: 1. Safety First vest of Contractor Costa & Son, 2. attendees discuss the project with Staff, 3. Pedro Graves of Costa & Son with Property Owner, 4. Dana Steele Town Engineering Consultant from JR Russo & Associates with Sotoria Montanari of Capitol Region Council of Goverments (CRCOG)

IMG 3850IMG 3848IMG 3851IMG 3852

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