At a glance
From its website, read 2 Nov 2026Valley Economic Development Partners, Inc. is a loan fund based in Youngstown, Ohio. Its website describes child-care facility loans, SBA-backed loans and small-business loans. Stated loan amounts run up to $250,000.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (330) 759-3668 source |
|---|---|
| Website | www.valleyedp.com |
| Office (official list) | 4319 Belmont Ave., Youngstown, OH 44505 |
What their website says about applying
For more information and to start the application process, please contact our designated specialists.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 4319 Belmont Ave., Youngstown, OH 44505 Directions (Google Maps) |
| Website | www.valleyedp.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages are thin and equipment or commercial real estate lending is not clearly offered. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Child-care facility financing | — | Daycare Revolving Loan Fund | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | SBA 504 and 7(A) Loans | source |
| Small-business loans | up to $250,000 | Loan amount up to $250,000 | source |
Loan sizes
Loan amount up to $250,000
sourceThe maximum loan size is $150,000, with an interest below the current prime.
source
Range used for the size filter: not stated to $250,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - Is there a minimum loan amount?
Their website gives a maximum ($250,000) but no minimum. - What interest rate and fees should I expect on your child-care facility loans and SBA-backed loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.6 million in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $3,966,142 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $44.6M |
|---|---|
| Total liabilities | $14.8M |
| Net assets | $29.8M |
| Total revenue | $8.2M |
| Notes and loans receivable, net (Part X line 7) | $28.5M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 34-1264163, filed as “VALLEY ECONOMIC DEVELOPMENT PARTNERS INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $51M | $18.5M | $7.4M | $35.3M |
| Dec 2022 (990) | $34.2M | $22.8M | $7.6M | $19.8M |
| Dec 2023 (990) | $44.6M | $29.8M | $8.2M | $28.5M |
Total assets fell 13% from Dec 2021 to Dec 2023; notes and loans receivable fell 19%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $154,650 (44 loans) | All 7(a) lenders in Ohio: $100,000. Larger than the median loan of 49% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 4 pts, half between 3.19 pts and 4 pts (32 loans; 0% at the SBA maximum) | All lenders in Ohio: median 2 pts, 5% at the maximum (7,242 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 30 → 31 | Rank among the 6 certified CDFIs in Ohio with SBA approvals in either period: 2 → 2. |
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $44.6M | Larger than 54% of the 13 other certified loan funds and venture funds in Ohio with a matched Form 990 (median $24.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 49% |
| Rate over prime | all variable-rate 7(a) loans in Ohio, FY2024–26 | 7,242 | median 4 pts vs 2 pts |
| SBA approvals then vs now | certified CDFIs in Ohio with SBA approvals FY2023–2026 | 5 | rank 2 → 2 of 6 |
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Ohio | 13 | larger than 54% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 96 SBA-backed approvals for Valley Economic Development Partners, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 44 7(a) loans as the lender: $8.3M in total (gross amount approved), median $154,650
- 52 504 loans as the Certified Development Company (CDC): $25.9M in total (CDC (SBA-backed) portion approved), median $305,000
By fiscal year: FY2020 12 · FY2021 16 · FY2022 7 · FY2023 10 · FY2024 20 · FY2025 17 · FY2026 14.
What actually happened
- Size of its 7(a) loans: half were between $81,350 and $307,200, median $154,650 (44 loans)
- Size of its 504 loans (the CDC's SBA-backed portion): half were between $173,000 and $538,750, median $305,000 (52 loans)
- Term of its 7(a) loans: median 120 months (10 years) (44 loans)
- Term of its 504 loans (the CDC's SBA-backed portion): median 300 months (25 years) (52 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 10.75%, half between 10.38% and 11.50% (15 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 0% of its 7(a) loans had a fixed rate (44 loans)
- Young businesses: 44% of its 7(a) loans went to a startup or a business two years old or less (43 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 504 loans (as the Certified Development Company) (52, 54%)
- 7(a) standard (34, 35%)
- 7(a) Community Advantage (10, 10%)
Borrower industries
NAICS sector, 3 or more loans.
- Other services (except public administration) (15)
- Health care and social assistance (15)
- Retail trade (13)
- Accommodation and food services (11)
- Manufacturing (10)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Mahoning County, OH (37)
- Trumbull County, OH (23)
- Columbiana County, OH (11)
- Stark County, OH (5)
- Cuyahoga County, OH (4)
- Mercer County, PA (3)
- Summit County, OH (3)
How this lender was matched in the SBA files: SBA CDC ID 0188152: same name, state and city (SBA lists “Valley Economic Development Partners, Inc.”); SBA lender ID 0188152: same name, state and city (SBA lists “Valley Economic Development Partners, Inc.”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Valley Economic Development Partners, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Youngstown and Ohio
- Appalachian Growth Capital, LLCLoan fund · Logan, OHCommercial real estate loans, Equipment loans, Small-business loansVerified
- Buckeye State Credit Union, INC.Credit union · Akron, OHAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Canton School Employees Federal Credit UnionCredit union · Canton, OHAuto / vehicle loans, Equipment loans, Home mortgages, Personal / consumer loansVerified
- Cardinal Credit UnionCredit union · Mentor, OHAuto / vehicle loans, Commercial real estate loans, Equipment loans, Microloans…Verified
- Cincinnati Development Fund, Inc.Loan fund · Cincinnati, OHCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Cleveland Development Advisors Community Reinvestment Fund, Inc.Loan fund · Cleveland, OHCommercial real estate loansVerified
Work at Valley Economic Development Partners, Inc.? Link to this page
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