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Real-Estate Finance

Real-estate finance is explicitly different than credit for businesses looking to purchase a building to operate within.  Real-estate finance applies to developers and investors looking to make a return on investment from the purchase of property.  Most financing incentives are controlled by local communities to encourage investment in one part of a community over another. If you are looking for primary financing, please visit our loan guarantee financing page.  

TIF Assistance
Several municipalities throughout Sheboygan County currently have existing Tax Incremental Financing Districts. The municipalities would negotiate the availability of TIF funds for a project via a developer’s agreement based on the new tax increment created by a new development project or investment.  Communities with TIF include:

City of Plymouth ι View Map   
City of Sheboygan ι View Map
City of Sheboygan Falls
 ι View Map
Town of Sheboygan | View Map
Village of Elkhart Lake
 ι View Map  
Village of Howards Grove
 ι View Map
Village of Glenbeulah ι View Map
Village of Oostburg
 ι View Map    
Village of Random Lake
 ι View Map

Opportunity Zones
Sheboygan County has two contiguous census tracts designated as opportunity zones located in/near downtown Sheboygan. Below is a map highlighting this area.


Other Municipal Specific Programs

Village of Elkhart Lake
Community Development Authority ι View Eligible Area 
The Elkhart Lake Community Development Authority (CDA) was created in 1997. Over the course of time the CDA has provided start-up business loans to twenty businesses, as well as provided other types of loans and grants. 

City of Plymouth
Downtown Facade/Sign Program ι View Eligible Area
The City of Plymouth offers assistance in paying for a facade or sign in downtown Plymouth. Contact the Plymouth Chamber of Commerce to learn more.  

Plymouth Historic District | View Eligible Area
Downtown Plymouth is a designated Historic District by the National Trust. Tax credits are available for those looking to renovate/restore historic buildings in Plymouth's downtown. 


City of Sheboygan Falls
City of Sheboygan Falls Historic District |
View Eligible Area

The City of Sheboygan Falls is a designated Main Street Community by the National Trust & State of Wisconsin.  Their program offers start-up and design assistance for downtown tenants, or prospective businesses. Downtown Falls is a designated Historic District and restoration of buildings may be eligible for significant tax credits. 

 A new building maintenance loan program has been established in 2013 to stimulate routine exterior building improvements that are completed in a timely manner within the context of established historic design principals. Loans of up to $1,000 at 0% interest will be available for all commercial buildings within the BID District boundaries. Loans must be repaid within a 12-month period. Applications are available by contacting the CMS office.

City of Sheboygan
Leverage Loan Program
Borrow up to $50,000 towards the construction or renovation of a commercial building in the City of Sheboygan. 

Business Improvement District (BID)
Businesses located within the Harbor Centre Business Improvement District in Sheboygan pay an annual fee in return for joint marketing & promotions. 

Historic Preservation Grant
The City of Sheboygan offers grants for façade renovations in the downtown/Harbor Center area. 

Sign Grant Program
The City of Sheboygan offers grants for historic signs in the downtown/Harbor Center area. 

South Pier District
The City of Sheboygan owns land in the South Pier District, adjacent to the Sheboygan River and Lake Michigan.  The intent is to redevelop the area with tourism and new business investments.  The City will sell or lease land to a developer in return for property development.