Small Business

Loan Portfolio Sector Concentration

by Dollars 12/31/2016



Start-Up Businesses


Micro-Enterprise Services 

Justine PETERSEN provides comprehensive micro-enterprise lending and training: 

  • One-on-one counseling and technical assistance

  • Credit building strategies. Justine PETERSEN believes that strong personal financial stability supports sound business financial management and therefore, all counseling begins with a review of personal credit history.

  • FDIC Money Smart Curriculum

  • Justine PETERSEN has developed a business plan questionnaire to assist clients through the business planning process. Many PETERSEN clients have existing informal businesses, but do not have written business plans. Justine PETERSEN assists clients to transition from informal to formal micro-enterprises. 

  • Micro-loan origination 

  • Post-loan technical assistance for those that struggle to meet their business plan benchmarks and for those that are expanding their businesses.



The funding of this program was financed in part through grant from the Department of Housing and Urban Development and the Community Development Administration under provision of Title ! of the Housing and Community Development Acto of 1974 (Pub L93-383 42 USC5301 et seq.) and/ or HOME Title II of the National Affordable Housing Acto of 1990, as amended (Public Law 101-625). 

This activity is financed (in part) (wholly) through an allocation of Community Development Block Grant funds from the Department of Housing and Urban Development and the City of St. Louis' Community Development Administration.