Kerr County Small Business Recovery Program
Image
0% Financing for Businesses in Kerr County and Comfort, TX
Small businesses are the heart of the Hill Country, so when disaster strikes, we’re here to help you recover and revitalize your business.
The Kerr County Small Business Recovery Program is designed to meet small businesses where they are after the floods. By offering affordable financing and hands-on technical assistance, the program supports Kerr County and Comfort, TX businesses in their next stage of recovery. LiftFund, in partnership with the Community Foundation of the Texas Hill Country, provides multiple pathways to recovery, recognizing that resilience looks different for every business.
*Completed applications will be reviewed on a first-come, first-served basis until funds are exhausted.
Image
Program Highlights
Affordable Financing
- 0% interest rate loan.
- Loans up to $500,000.
- 12- to 120-month terms.
- Waived origination fees.
- Small businesses located in Kerr County or Comfort, TX.
- Must demonstrate physical damage as a result of 2025 or 2026 floods.
- Funds for rebuilding expenses, replacement costs for lost/damaged equipment, cleanup and debris removal, general business operating expenses, or refinancing of higher-cost debt. Working capital needed due to economic injury is limited to 20% of the total loan amount.
The Kerr County and Comfort, TX Flood Recovery Loan Program is open for applications. Apply here.
For assistance with affordable financing, please contact info@liftfund.com or call 888-215-2373.
As part of this program, recipients are expected to re-open and/or remain open in Kerr County or Comfort, TX for at least 18 months following receipt of funds.
To be eligible, neither the business nor its owners should have sufficient cash-on-hand or other readily available financial resources, such as checking or savings accounts, stocks, certificates of deposit (CDs), or bonds, to reasonably stabilize, continue, or restore business operations without assistance.
Applicants must also submit documentation to verify direct physical damage caused by the flood.
Frequently Asked Questions
If my business did not suffer physical damage, can I still be considered for a loan?
No. Eligible businesses must demonstrate direct physical damage to property, equipment, etc. Examples of eligible documentation include photos, invoices, receipts, insurance records, etc.
If I received a LiftFund flood grant or loan in 2025, can I apply again?
Yes. Previous recipients are eligible to apply.
I know other businesses may be more impacted than mine. Should I still apply?
Yes. Regardless of the level of impact, every business can benefit from additional support. A thriving business community strengthens everyone, especially the hardest-hit businesses that depend on tourism. By operating at full capacity and continuing to serve customers, you play an important role in the region's recovery. You work hard. Let LiftFund and the Community Foundation of the Texas Hill Country help make the path forward a little easier.
Technical Assistance
Technical assistance is available to help with building an online presence, utilizing AI tools to analyze financials, automating business processes, and providing one-on-one personalized coaching.
Affordable capital to get you back in business.
LiftFund is a nonprofit, mission-driven small business partner that has supported disaster recovery since Hurricane Katrina. We aim to be a driving force, transforming communities into vibrant hubs of opportunity, resilience and economic independence. Our priority is access to affordable and fair capital, especially in times of crisis.
Grants are a critical step in disaster recovery, but they are not enough to support full small business recovery for businesses with extensive physical damage or economic injury, that have also had issues accessing other financing options.
To remove financial barriers and accelerate recovery in Kerr County and Comfort, TX, LiftFund is offering:
- Zero-interest rate loans with no origination fees
- Eliminating interest and origination fees reduces upfront and long-term costs for business owners when cash flow is most fragile.
- The waived loan origination fee is offered for the first time ever and exclusively for the Kerr community.
- Flexible collateral requirements
- Flexible collateral requirements ensure more businesses can qualify for the capital they need to reopen even if they have loss of property or inventory.
- Terms anywhere from 12 - 180 months that reflect LiftFund’s commitment to meeting small businesses where they are and supporting a faster, more equitable recovery.
Want to support LiftFund's Disaster Relief Fund?
If you or someone you know is experiencing grief or trauma, or would like to speak to someone, call the Substance Abuse and Mental Health Services Administration (SAMHSA) Disaster Distress Helpline at (800) 985-5990 or text 988 to connect with a trained mental health professional.
*LiftFund small business loans are subject to credit approval, underwriting guidelines and availability of funds. Other fees may apply.