The Incentives and Loans program includes the Commission’s Tobacco Region Opportunity Fund (TROF) and the Community and Business Lending (CBL) program. TROF provides performance-based monetary grants and loans to tobacco region localities to assist in the creation of new jobs and investments, whether through new business attraction or existing business expansion. The BCL program provides access to capital in the tobacco region while contributing to the Commission’s financial sustainability by providing low-interest loans to qualifying applicants and projects.