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Guam Recovery Loan Program (GRLP)
General · Guam Economic Development Authority (GEDA) · GU
The Guam Recovery Loan Program is a below-market interest loan program — not a cash grant — run by the Guam Economic Development Authority for registered Guam businesses that have been denied financing by a private lender, offering loans up to $1.2 million through 2029.
The Guam Recovery Loan Program (GRLP) is a territory-level financing program administered by the Guam Economic Development Authority (GEDA). Despite being labeled a "Grant" funding instrument in program records, GRLP is actually structured as a loan program, not a cash grant — applicants receive borrowed capital that must be repaid, not free money.
GRLP offers below-market term financing to eligible Guam businesses, with loans available up to a maximum of $1,200,000. The interest rate is fixed at 2% above the U.S. Treasury index rate, which is typically more favorable than rates available from private lenders. The program is scheduled to run through December 31, 2029, giving business owners several years to apply for funding as needs arise.
What sets GRLP apart from other Guam financing options, such as the GDFA, is its relatively simpler application requirement: applicants only need to show one written loan-denial letter from a private lender, rather than multiple rejections. This makes it a more accessible option for small business owners who have already tried and failed to secure conventional financing.
For a small-business owner in Guam, this program matters because it provides a path to affordable capital when traditional bank loans aren't available, without the higher costs typically associated with alternative lenders. However, because this is a loan rather than a grant, funds must be repaid with interest over time.
Because program details can change, applicants should confirm current award amounts, open application rounds, and eligibility requirements directly at the official source before applying.
Who qualifies
How to apply
Questions people ask
Is this a grant or a loan?
Despite being labeled a grant in some records, GRLP is a loan program — funds must be repaid, not a cash grant.
Do I have to repay the money?
Yes, GRLP provides loans with a fixed interest rate of 2% above the U.S. Treasury index rate, not free funding.
Who is eligible?
U.S. citizens or permanent residents who own a registered, licensed Guam business and can provide one written loan-denial letter from a private lender.
How much funding can I get?
Loans are available up to a maximum of $1,200,000.
What is the interest rate?
The rate is fixed at 2% above the U.S. Treasury index rate.
When is the deadline to apply?
The program runs through December 31, 2029; check current application rounds at the official source for specific deadlines.
Where do I apply?
Applications are handled through the Guam Economic Development Authority; details are at https://www.investguam.com/entrepreneurs-startups/.
Who runs this program?
The Guam Economic Development Authority (GEDA) administers GRLP.
Is this available outside Guam?
No, this program is limited to businesses registered and licensed in Guam.
Do I need to have been denied by a bank first?
Yes, one written loan-denial letter from a private lender is required as part of eligibility.
Is the loan amount taxable?
Confirm at the source, as tax treatment of loan proceeds is not specified in program details.
Is there a minimum award amount?
Confirm at the source; only a maximum loan amount of $1,200,000 is specified in available details.
Opportunity number: not published. Source: curated + verified (official territory source, 2026). GetFundedUSA is independent and not affiliated with Guam Economic Development Authority (GEDA); always confirm current deadlines, amounts and eligibility on the sponsor's own page before applying.