Join a supportive and entrepreneurial business culture.


Invest in downtown for not only the prime location, but also for the variety of resources and benefits at your disposal.

There are many financial tools available to assist business and property owners in downtown Chambersburg. Explore the programs listed below to learn more about how your downtown business or property can benefit.


Available programs to financially assist downtown property owners:


Façade Improvement Program


Façade Improvement Program is a Downtown Design Challenge Grant for up to $2,500 per building to improve the Main Street or selected side street facing façade. $2,000 may be granted for painting, repairs, windows; $500 for new signage or awning. Grant funds must be matched on a dollar-for-dollar basis. See program materials below for details.



LERTA Program


Local Economic Development Revitalization Tax Assistance (LERTA) Program is a three-year tax abatement program for property owners who make substantial improvements to their Downtown buildings that result in higher taxation. The difference in the tax assessment may be waived for three years once the work is completed and the County Tax assessment has been recorded. Land Use permits for the improvements may begin up to April 9, 2017.


For more information about the LERTA Program, call 717-264-7101 or email


Franklin County First Fund


Franklin County First Fund is a low-interest Revolving Loan Fund that is subordinated to other financing, which may be used for commercial job creating projects within Franklin County, with a maximum loan of $50,000. 


For more information, visit or call 717-263-8282.


Anchor Building Revolving Loan Fund


The Anchor Building Revolving Loan Fund is a Borough “Revolving Loan Fund” for New and Emerging small businesses in the Downtown, with a maximum loan of $25,000, which must be matched by other financing. Funds may be used for building improvements, facade improvement and interior renovations. Commercial property and business owners eligible to apply.



Community Development Corp.


Community Development Corporation (CDC) of Franklin County is a multi-bank second-position lender with a primary mission of providing “Gap” financing behind first-position bank lenders, with a maximum of 15% of the total Project Cost up to $50,000.


CDC has a mission to assist the needs of low- to moderate-income borrowers for first-time home ownership, new business starts and expansions, and larger job-creating economic development ventures in Downtown and throughout Franklin County.


To contact CDC for inquiries on lending, call 717-264-7101 or email

HUBZone Program


Downtown Chambersburg is a registered HUBZone. What does this mean? The national HUBZone program gives Federal contracting preferences to qualified small businesses located in Historically Underutilized Business Zones in order to increase employment opportunities, stimulate capital investment and promote economic development.


Learn more by watching the “Understanding the HUBZone” video and review the information below.


What are the Federal contracting opportunities for HUBZone businesses in downtown Chambersburg


  • Three percent of all federal prime contract dollars is targeted to HUBZone businesses. HUBZone contracting government-wide in FY2010 was $12 billion and FY2011 was $9.9 billion

  • Set-aside awards

  • Sole source awards

  • 10 percent price evaluation preference (PEP) in full and open contract competitions

  • Subcontracting opportunities


What are the HUBZone eligibility requirements?


  • Principal office located in a HUBZone

  • At least 35 percent of employees must reside in a HUBZone

  • Small by SBA standards for selected NAICS codes

  • Ownership and control by at least 51 percent U.S. citizens


Learn more about eligibility requirements in this video.


Identifying HUBZone Addresses


View the PDF map of the Chambersburg HUBZone. You can also search for HUBZone addresses using the interactive SBA HUBZone Map.


Submitting the HUBZone Application


The processing of an application may take between 90 to 160 days.


Approximate timeline for each processing step:


  1. Supporting documentation may take 7 – 14 days to be delivered to SBA by the applicant after SBA sends the request.

  2. Once the documents are received it may take 20 – 40 days to assign for processing.

  3. After assignment, this step may take between 30 – 60 days to be completed before it goes for a 2nd level review.

  4. 2nd level review may take an additional 30 – 60 days.

  5. The final step to issue the final determination, may take 10 – 20 days.


The Application Guide is a valuable tool for businesses wanting to know what the online application will require.


The SBA provides applicants to send the supporting documentation via the SBA cloud in order to further streamline the processing of an application; View instructions.


Federal HUBZone Spending History

View the HUBZone Program Spending Scorecard.


For More Information…


Contact us to discuss details about the program and how your business could receive benefits for being in the HUBZone by calling 717-264-7101 or emailing


Useful Links:

HUBZone Fact Sheet

HUBZone Contracting with the Federal Government Fact Sheet

SBA HUBZone webpage

HUBZone Quick Facts

Small Business Certifications

HUBZone Outreach Planning: Best Practices

Top 10 Lists for Contracting 


SAM, System for Award Management (Central Contractor Registration Database, CCR)

ORCA, Online Representations and Certifications Registration

FPDS, Federal Procurement Data System (Current Federal Procurement Data)

DSBS, Dynamic Small Business Search (Federal Small Business Vendor Data)

SubNET, Subcontracting Opportunities

FedBizOpps, Federal Business Opportunities (Principal Website for Federal Procurement)

PPIRS, Past Performance Information Review System

HUBZone Contractor’s National Council

HUBZone Council Classified Opportunities Board 

HUBZone Contractors National Council – The Zone Report

The HUBZone Program – Applying for Approval and Maintaining the Certification Presentation


Downtown Chambersburg Inc. © 2018

717-264-7101          100 Lincoln Way East, Chambersburg, PA 17201

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