How do I apply for financing?
Just submit the simple application along with your city's past three years' audited financial statements.

How long will it take to close our loan?
Normally it will take fewer than 30 days after approval of your application.

Are there penalties for paying off the loan early?
Typically no. Variable rate loans may be prepaid at any time without penalties. However, there may be restrictions when prepaying some fixed rate loans.

What kind of terms does KLC offer?
KLC offers terms up to 30 years and will work to find the best package for your city.

Do KLC finance programs have high closing costs?
No. KLC works hard to offer cities very low closing costs. In some cases, there aren't any at all.

How large of a loan can KLC accommodate?
KLC has made loans as small as $20,000 and as large as $50,000,000.