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Small Business Owner Flipping Door Sign to Open to Represent Community Stewardship Loan Program

Over $678.5 Thousand in micro loans, since inception of the Community Stewardship Loan in 2021



Community Stewardship Loan

In support of our mission to initiate and create opportunities for neighborhood revitalization, Providence Bank & Trust developed the Community Stewardship Loan. This low interest loan opportunity supports small businesses and nonprofit organizations in low to moderate income communities of the Chicagoland area and Northwest Indiana.

The importance of small business and local nonprofits is more evident every day as it is their growth and neighborhood engagement that helps our communities thrive. With the Community Stewardship Loan we aim to provide a financial solution for small businesses and nonprofit organizations that delivers needed capital, inspires continued success and ultimately strengthens our communities.

View our testimonials below to learn how the Community Stewardship Loan has benefitted some of our current customers and email or call 888-923-5664 for more information.

Loan Benefits:

  • Low 5% APR for life of loan1
  • Amount ranging from $5,000 to $50,000
  • Terms of 2, 3 or 5 years (based on loan amount)
  • No prepayment penalty
  • Minimal documentation required

Loan Qualifications:

  • Small Business or Nonprofit2
  • Annual sales or revenue under $1 million
  • Business is located in low to moderate income census tract
  • 2 years of financials
Illustration of the front door of a small business with the open sign showing

Community Stewardship Loan Testimonials

The photo shows African American male Andre Bennett of Royal Crest Realty, Inc.


“The loan process was smooth and convenient. Dorean Stewart explained the process which was straight forward and borrower friendly.

The loan has helped my business, in terms of working capital, to implement new technology and marketing strategies to obtain new clients.”

Hand holding coins growing from hand
Photo shows African American female Roxanna Daniel of TAJ Development.


“I went to my Providence Bank & Trust branch manager Joyce Tucker Ware and spoke to her about the Community Stewardship Loan. Joyce then connected us to Ms. Dorean Stewart.

This is our first ever loan as we have not been successful in our efforts previously with other banks. This time I brought along our Co-Founder Margaret Wilson and the rest is now ‘herstory’. God works in ways we don’t understand. Joyce and Dorean heard the assignment, understood it, and achieved the goal.

Providence Bank & Trust has shown me in many ways through their choice of staffing that they are the Bank that cares. We are blessed for this next level of business that we will achieve through our partnership.

We are grateful that Joyce and Dorean are here and helped us through the process with patience, true guidance, and care! Amazing in times like these!”


Investing in you and our community - please direct community stewardship loan inquiries to 888-923-5664 or

Important Disclaimer Information:

1 All loans are subject to credit and underwriting approval. Offer of credit is subject to credit approval. Certain fees and restrictions may apply or other terms and conditions may apply. The Community Stewardship Loan is subject to change and may be discontinued at any time. Advertised interest rate is valid as of April 11, 2023 and is subject to change without notice.

2 Small business is defined as a sole proprietorship, partnership, LLC, C-Corp and individuals with a DBA. Nonprofit is defined as a 501(c) or 501(c)3 organization. 

All trademarks and registered marks are the property of their respective owners.

View the Community Stewardship Loan document to view important details including loan amount, payment and loan requirements.