
This guide is written for solo contractors, small business owners, and real estate investors who live or work in Howard County, Maryland. It explains what types of financing are available, who qualifies, and — most importantly — which local lenders, CDFIs, and community organizations can actually help you. Federal programs like SBA loans are useful tools, but the people who open the door for you are often right here in Howard County or the Baltimore-Washington corridor. Take your time, compare your options, and never let urgency pressure you into a decision.
Ask Iris. She'll explain it the way it should have been explained the first time.