Commercial Revitalization Program

All Information and application materials in PDF form in English


By offering a low-interest loan, our Commercial Revitalization Program helps property owners make repairs to their commercial buildings that will improve the exterior design of the building, the building energy efficiency, and the building ADA compliancy.


Each applicant may apply for up to $20,000 in assistance under the Commercial Revitalization Program by submitting the attached application to the City of St. James. Property owners will be required to sign paperwork ensuring the loan will be used for building repairs, sign a promissory note, provide an estimate for the work, and secure a building permit- if one is necessary for the scope of work. Loans may be provided to the extent funding is available in the Commercial Revitalization Program. Funds shall be paid back over a period of 3-years at an interest rate of 2.5%. Applicants are not eligible for subsequent Commercial Revitalization Program funding until their existing loan is repaid in its entirety.

Applicant Eligibility

Loans are available to property owners of commercial buildings located in the business districts of St. James. Priority will be given to commercial buildings that are located in the downtown area (1st Ave S. between 8th St S and 2nd St S) of St. James.

Eligible Uses for Commercial Revitalization Program

Funds may only be used for exterior repairs/improvements, code violation corrections, handicapped accessibility and energy improvements. Commercial Revitalization funds may not be used for “remodeling” type improvements. Proposed improvements must conform to the City of St. James’ Building Code and Zoning Ordinance.

Eligible Improvements

  * Code Violations
  * Elimination of Lead Based Paint & Asbestos
  * ADA Building Accessibility
  * Historic Renovation (if applicable)
  * Exterior Renovations
  * Structural Repairs
  * Mechanical Repairs/Replacements
  * Electrical System Repairs
  * Windows/Doors
  * Signage/Awnings
  * Energy Improvements

Ineligible Improvements

* Interior Electrical Fixtures/Receptacles
* Plumbing Fixtures not related to Accessibility Modifications
* Structural Modifications/Additions
* Air Conditioning
* Interior Shelving
* Floor Coverings

When Payment Made

Payment will be made upon approval of an application and successful execution of all required documents.

The City of St. James prohibits discrimination against any applicants of the Commercial Revitalization program because of race, color, national or ethnic origin, age, religion, disability, sex, sexual orientation, gender identity and expression, veteran status, or any other characteristic protected under applicable Federal and State Law.