Emergency Line of Credit Services

* The Baldwin County Commission is seeking proposals for an Emergency Line of Credit (LOC) to provide immediate access to funds for disaster response and recovery. * The LOC should be in the range of $10-$20 million, with a term structure of 12-60 months, and options for renewal or conversion to a term-out structure. * Proposals should include: + Credit limit and term structure + Interest rate options and fees + Draw and repayment procedures + Collateral, covenants, and credit requirements + Activation timeline and expected funding availability * The proposal should be submitted via email as a single PDF document, not to exceed 30 pages, by June 1, 2026, at Noon - Central Standard Time. * The evaluation criteria will be based on competitiveness of interest rates and fees, flexibility of draw and repayment terms, experience with governmental clients, and clarity and speed of activation procedures.