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1 | Name of Loan | Description | Eligibility | Link to More Information | Opportunity Type | Type of Financing | Primary Audience | Important Website List used to find resources | Website Type | |||||||||||||||||
2 | Standard 7(a) | "The 7(a) Loan Program, SBA’s most common loan program, includes financial help for small businesses with special requirements." | meet SBA size standards, be for-profit, not already have the internal resources (business or personal) to provide the financing, be able to demonstrate repayment | https://www.sba.gov/funding-programs/loans/7a-loans | Financing | SBA Loan | https://www.ofn.org/cdfi-locator/ | CDFI Locator | ||||||||||||||||||
3 | 7(a) Small Loan | "The 7(a) Loan Program, SBA’s most common loan program, includes financial help for small businesses with special requirements." | meet SBA size standards, be for-profit, not already have the internal resources (business or personal) to provide the financing, be able to demonstrate repayment | https://www.sba.gov/funding-programs/loans/7a-loans | Financing | SBA Loan | https://www.georgia.org/ | State Website | ||||||||||||||||||
4 | SBA Express | "The SBA Express program features an accelerated turnaround time for SBA review. The SBA will respond to your application within 36 hours." | determined by lender | https://www.sba.gov/partners/lenders/7a-loan-program/types-7a-loans#id-sba-express | Financing | SBA Loan | https://georgia.gov/organization/georgia-department-economic-development | State Economic Development | ||||||||||||||||||
5 | Export Express | "Export Express lenders can directly underwrite a loan without getting prior approval from SBA, which allows you to get capital quickly. Loans are typically approved within 36 hours, and can be up to $500,000.." | determined by lender | https://www.sba.gov/business-guide/grow-your-business/export-products/international-sales/sba-export-products | Financing | SBA Loan | https://www.dca.ga.gov/community-economic-development/funding-programs/community-development-block-grant-disaster-15 | Workforce Development Grants | ||||||||||||||||||
6 | Export Working Capital | "allow small business owners to apply for loans in advance of finalizing an export sale or contract, giving exporters greater flexibility in negotiating export payment terms." | determined by SBA | https://www.sba.gov/business-guide/grow-your-business/export-products/international-sales/sba-export-products | Financing | SBA Loan | https://www.eda.gov/grant-resources/economic-development-directory/ga | State Economic Development Districts | ||||||||||||||||||
7 | International Trade | "help small businesses enter international markets and make investments to compete with other importers. These loans offer a combination of fixed asset, working capital financing, and debt refinancing with SBA’s maximum guaranty of 90% on the total loan amount." | determined by SBA | https://www.sba.gov/business-guide/grow-your-business/export-products/international-sales/sba-export-products | Financing | SBA Loan | ||||||||||||||||||||
8 | Line of Credit | "a type of loan that doesn’t give you one lump sum like a traditional loan, but works more like a credit card in that you borrow against your line of credit when you are in need of money to cover short term expenses." | determined by lender | https://www.iasourcelink.com/guides/fund-your-business-guide/sba-and-bank-loans/ | Financing | SBA Loan | ||||||||||||||||||||
9 | Home Equity | similar to "a second mortgage on your home provided by a lender, which allows you to borrow money against the equity (current market value) of your home." | determined by lender | https://www.iasourcelink.com/guides/fund-your-business-guide/sba-and-bank-loans/ | Financing | SBA Loan | ||||||||||||||||||||
10 | Grants | "typically contain a list of microloan programs that have funds you need to repay, or list grants available only for non-profit businesses." | determined by lender | https://www.iasourcelink.com/guides/fund-your-business-guide/sba-and-bank-loans/ | Financing | SBA Loan | ||||||||||||||||||||
11 | Grants for Nonprofit Business | "Nonprofit or social entrepreneurs (people using innovative business applications to solve a social need – TOMS shoes is an example), might benefit from looking through the Iowa Community Foundation’s Grant Search and/or their Endowment Search." | determined by lender | https://iowacommunityfoundations.org/about-cefp/ | Financing | SBA Loan | ||||||||||||||||||||
12 | Factoring | factoring companies buy long-term accounts recievables at a discounted rate, which is a way for companies with outstanding acounts recievables to receive cash more quickly. | determined by lender | https://www.iasourcelink.com/guides/fund-your-business-guide/sba-and-bank-loans/ | Financing | SBA Loan | ||||||||||||||||||||
13 | Small/Rural Lender Advantage | "part of SBA's 7(a) loan program and encourages smaller and or rural lenders to offer SBA loans by streamlining the agency's loan application and approval process." | same as the 7(a) loan program with a shorter application process | https://mn.gov/deed/business/financing-business/guidance/sba-financing.jsp | Financing | SBA Loan | ||||||||||||||||||||
14 | Community Advantage Loan | focuses on assisting "community-based, mission-focused lenders meet the credit, management, and technical assistance needs of small businesses in underserved markets." | determined by lender | https://www.sba.gov/partners/lenders/7a-loan-program/pilot-loan-programs | Financing | SBA Loan | ||||||||||||||||||||
15 | Boots to Business | "an entrepreneurial education and training program offered by SBA as part of the Department of Defense's Transition Assistance Program (TAP). B2B provides participants with an overview of business ownership and is open to transitioning service members (including National Guard and Reserve) and their spouses." | veterans, military spouses, and their famillies | https://www.sba.gov/sba-learning-platform/boots-business | Financing | SBA Program | veterans and service member famillies | |||||||||||||||||||
16 | SBA 8(a) Business Development program | "The 8(a) program can be a valuable tool for experienced socially and economically disadvantaged small business owners, who have already been in business for at least two years or more, and are interested in expanding their footprint in the federal marketplace." | determined by lender | https://www.sba.gov/federal-contracting/contracting-assistance-programs/8a-business-development-program | Federal Business Certification | N/A | minority-owned business enterprises that have been in business for more than 2 years | |||||||||||||||||||
17 | Access to Capital for Entrepreneurs (ACE) Small Business Loan | "Providing loans to eligible business owners to meet the demands of their growing business" | "Businesses 2+ years in operation Must be a Georgia-based for-profit enterprise Active Secretary of State Filings and Organizational documents in good standing If registered in sam.gov, must have acceptable standing (registration is not required) Ineligible businesses include publicly traded companies, multilevel marketing, gambling establishments, pyramid investments, real estate investment firms (REITS), and adult entertainment" | https://aceloans.org/apply-for-a-loan/small-business-loans/ | Financing | Organization Loan | minority-owned business enterprises that have been in business for more than 2 years | |||||||||||||||||||
18 | Access to Capital for Entrepreneurs (ACE) Commercial Loan | "Providing loans to eligible business owners to meet the demands of their growing business" | "Businesses 2+ years in operation Must be a Georgia-based for-profit enterprise Active Secretary of State Filings and Organizational documents in good standing If registered in sam.gov, must have acceptable standing (registration is not required) Ineligible businesses include publicly traded companies, multilevel marketing, gambling establishments, pyramid investments, real estate investment firms (REITS), and adult entertainment" | https://aceloans.org/apply-for-a-loan/commercial-loans/ | Financing | Organization Loan | minority-owned business enterprises that have been in business for more than 2 years | |||||||||||||||||||
19 | Access to Capital for Entrepreneurs (ACE) Fulton County Recovery Loan Program | "This program was developed to assist small businesses hardest hit by the pandemic with affordable loans prioritized for minority and female-owned businesses. In addition, high COVID impacted industries such as performing arts, food service, music/film, education, and accommodations will be prioritized for loan assistance." | determined by lender | https://aceloans.org/apply-for-a-loan/ | Financing | Organization Loan | ||||||||||||||||||||
20 | Access to Capital for Entrepreneurs (ACE) Metro Atlanta Commercial Loan | Loans can be used for "Working Capital, Inventory, Equipment, Vehicles, Real Estate" | "Must be a Metro Atlanta resident with a business OR operate a business in the Metro Atlanta area Businesses 2+ years in operation Must be a Georgia-based for-profit enterprise Active Secretary of State Filings and Organizational documents in good standing If registered in sam.gov, must have acceptable standing (registration is not required) Ineligible businesses include publicly traded companies, multilevel marketing, gambling establishments, pyramid investments, real estate investment firms (REITS), and adult entertainment" | https://aceloans.org/apply-for-a-loan/metro-atlanta-commercial-loans/ | Financing | Organization Loan | Metro Atlanta Resident Entrepreneurs | |||||||||||||||||||
21 | Access to Capital for Entrepreneurs (ACE) City of Atlanta Commercial Loans | Loans can be used for "Working Capital, Inventory, Equipment, Vehicles, Real Estate" | "Must be a City of Atlanta resident with a business OR operate a business inside the City of Atlanta Businesses 2+ years in operation Must be a Georgia-based for-profit enterprise Active Secretary of State Filings and Organizational documents in good standing If registered in sam.gov, must have acceptable standing (registration is not required) Ineligible businesses include publicly traded companies, multilevel marketing, gambling establishments, pyramid investments, real estate investment firms (REITS), and adult entertainment" | https://aceloans.org/apply-for-a-loan/city-of-atlanta-commercial-loans/ | Financing | Organization Loan | Resident or business located in the city of Atlanta | |||||||||||||||||||
22 | ACT! Albany Community Together, Inc. Small Business Revolving Loan Fund | "Funds can be used to purchase furnishings and equipment, real estate, and renovations." | determined by lender | https://www.albanycommunitytogether.com/ | Financing | Organization Loan | ||||||||||||||||||||
23 | ACT! Albany Community Together, Inc. Working Capital Loan | "Funds may be used to finance short-term operational needs, such as accounts payable, payroll, inventory, repairs and other more immediate needs." | determined by lender | https://www.albanycommunitytogether.com/ | Financing | Organization Loan | ||||||||||||||||||||
24 | ACT! Albany Community Together, Inc. Contractor Micro Business Accelerated Loan Program | "Loans intended to facilitate the expansion of existing small and micro businesses and creation of new ones." | determined by lender | https://www.albanycommunitytogether.com/ | Financing | Organization Loan | ||||||||||||||||||||
25 | Ascendus Business Term Loan | "Small business loans and microloans are offered up to $50,000. Interest rates currently range from 6.00% – 9.99%*... Ascendus looks at the whole picture when deciding to lend, rather than focusing solely on credit, making us more flexible than other lenders. That said, not everyone is ready to take out financing for their business." | criteria: "Business has been generating consistent revenue for at least 6 months, FICO score of 575 or higher, In some cases a cosigner to add strength to your application is required, No (0) or very new credit, No more than $3,000 in unpaid / past due debt, Any bankruptcy must be discharged for more than 1 year, Any foreclosure must be complete for more than 2 years" | https://www.ascendus.org/products/small-business/ | Financing | Organization Loan | Established small business | |||||||||||||||||||
26 | Ascendus Get Ready Program | "This line of credit product is designed for Black or African American business owners, located in FL, NY, NJ (city of Newark excluded), CT, MA, ME, NH, RI, MI County (Wayne County only), GA: greater Atlanta, and the city of Atlanta ready to improve their credit and grow their business." | determined by lender | https://www.ascendus.org/products/get-ready-business-line-of-credit/ | Financing | Organization Loan | ||||||||||||||||||||
27 | CRF Small Business Loan | "CRF is one of three nonprofit small business lending companies authorized by the U.S. Small Business Administration (SBA) to provide SBA 7(a) small business loans. These loans – with amounts ranging from $150,000 to $4 million – can be used for commercial real estate, business acquisition, equipment, working capital, debt refinancing and more" | determined by lender | https://crfusa.com/lending/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
28 | Lendistry SBA 7(a) Program | "As a non-bank SBA Preferred Lender, or Small Business Lending Company, Lendistry SBLC, LLC offers the SBA 7(a) loan program to established businesses and SBA approved startup franchises. This program provides qualified* small business owners nationwide with the flexible funding they need to: increase working capital, expand a business, refinance current debt, purchase equipment or inventory, acquire commercial real estate and more." | determined by lender | https://lendistry.com/small-business-lending/ | Financing | Organization Loan | existing small business or SBA approved startup franchise | |||||||||||||||||||
29 | Lendistry Business Term Loan | "The traditional term loan provides financing for a variety of small business needs ranging from increasing working capital to refinancing debt and is designed with each unique business in mind." | determined by lender | https://lendistry.com/business-lending/ | Financing | Organization Loan | ||||||||||||||||||||
30 | Lendistry Non-Revolving Line of Credit | "Our non-revolving line of credit offers shorter-term, flexible financing, helping to move small businesses forward with access to cash when it’s needed most." | determined by lender | https://lendistry.com/business-lending/ | Financing | Organization Loan | ||||||||||||||||||||
31 | Lendistry Startup Financing | "The Startup Financing term loan is available to eligible for-profit small businesses that are less than 2 years in operations and offers flexible use of proceeds to help propel young businesses forward." | determined by lender | https://lendistry.com/business-lending/ | Financing | Organization Loan | ||||||||||||||||||||
32 | Lendistry Small Business Loan Fund | "Lendistry’s Small Business Loan Fund developed from New Markets Tax Credit allocation provides below-market rate, small business loans to Qualified Active Low-Income Community Businesses." | determined by lender | https://lendistry.com/business-lending/ | Financing | Organization Loan | ||||||||||||||||||||
33 | NDC's Grow America Fund Small Business Loan | "NDC’s Grow America Fund is a national small business (SBA 7a) lending program designed to catalyze job creation in underserved communities. With Preferred Lender status granted by the Small Business Administration" | determined by lender | https://ndconline.org/grow-america-fund/ | Financing | Organization Loan | women entrepreneurs and women-owned organizations | |||||||||||||||||||
34 | NDC’S Community Impact Loan Fund(CILF) | "CILF focuses on younger enterprises needing loans of $100,000 or less. Working in participating communities around the nation, CILF is inclusive in its mission, inviting inquiries especially from Woman-and Minority-owned businesses and low-moderate income entrepreneurs. With our flexible terms and hands-on assistance throughout the life of the loan, we help borrowers develop equity, create jobs, and build community." | determined by lender | https://ndconline.org/community-impact-loan-fund/ | Financing | Organization Loan | ||||||||||||||||||||
35 | GrowSMART Macon | "If your business is ready for growth, SBDC GrowSmart gives you the tools and strategies to reach your goals. GrowSmart was developed by the UGA SBDC to meet the needs of growing businesses." | determined by lender | https://training.georgiasbdc.org/search/publicCourseSearchDetails.do?method=load&courseId=2085324#courseSectionDetails_2748612 | Business Training | N/A | ||||||||||||||||||||
36 | NewTown Loans Small Business Loan | "NewTown Loans provides loans for small business start-up, growth, and expansion." | determined by lender | https://newtownmacon.com/loans/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
37 | NewTown Loans Commercial Real Estate Loan | "NewTown Loans provides loans for commercial real estate acquisition, construction, and development." | determined by lender | https://newtownmacon.com/loans/commercial-real-estate-loans/ | Financing | Organization Loan | ||||||||||||||||||||
38 | NewTown Loans Entrepreneur's Academy | "Entrepreneur’s Academy is a hybrid course that includes in-person classes and virtual learning." | determined by lender | https://newtownmacon.com/business-resources/entrepreneurs-academy/ | Business Training | N/A | ||||||||||||||||||||
39 | Shared Capital Cooperative Loan | "offer capital that aligns with cooperative values and supports democratic ownership." | determined by lender ("Any business or housing organization in the US operating and governed on a cooperative basis is eligible to apply for financing. Borrowers include worker, consumer, producer and housing cooperatives. A co-op must be a member of Shared Capital Cooperative to borrow") | https://sharedcapital.coop/borrow/ | Financing | Organization Loan | co-op members | |||||||||||||||||||
40 | Small Business Assistance Corporation Commercial Real Estate Loans | Loans can be used for "Major Fixed Assets and Refinance" | determined by lender | https://sbacsav.com/our-services/commercial-real-estate-loans/ | Financing | Organization Loan | ||||||||||||||||||||
41 | Small Business Assistance Corporation USDA Rural Microenterprise Loan Program | Loans can be used for "Most any business purpose EXCEPT Real Estate For Certain Rural Areas in GA" | determined by lender | https://sbacsav.com/our-services/rural-loans/ | Financing | Organization Loan | ||||||||||||||||||||
42 | Small Business Assistance Corporation USDA Rural Enterprise Loan Program | Loans can be used for "Most any business purpose For Certain Rural Areas in GA and SC" | determined by lender | https://sbacsav.com/our-services/rural-loans/ | Financing | Organization Loan | ||||||||||||||||||||
43 | Small Business Assistance Corporation Small Steps Lending Program | Loans can be used for "Most any business purpose" | determined by lender | https://sbacsav.com/our-services/microloans/ | Financing | Organization Loan | ||||||||||||||||||||
44 | Small Business Assistance Corporation SBA Microloan Fund | Loans can be used for "Most any business purpose EXCEPT Real Estate and Refinance" | determined by lender | https://sbacsav.com/our-services/microloans/ | Financing | Organization Loan | ||||||||||||||||||||
45 | Small Business Assistance Corporation State Small Business Credit Initiative 2.0 | Loans can be used for "Most any business purpose" | determined by lender | https://sbacsav.com/our-services/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
46 | Small Business Assistance Corporation SBA Community Advantage (7A) Loan Program | Loans can be used for "Most any business purpose" | determined by lender | https://sbacsav.com/our-services/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
47 | Small Business Assistance Corporation SBAC Direct Loan Program | Loans can be used for "Most any business purpose" | determined by lender | https://sbacsav.com/our-services/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
48 | Small Business Assistance Corporation Savannah Regional Small Business Capital Fund | Loans can be used for "Most any business purpose" | determined by lender | https://sbacsav.com/our-services/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
49 | Small Business Assistance Corporation Small Business Contract/Invoice Loan Program | Loans can be used for "Most any business purpose" | determined by lender | https://sbacsav.com/our-services/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
50 | Southwest Georgia United Empowerment Zone Small Business Loan | Loans can be used for "startup cost, working capital, franchise fees, inventory, equipment and machinery, real-estate purchase or construction/rehabilitation" | determined by lender | https://swgau.org/financing-options/ | Financing | Organization Loan | ||||||||||||||||||||
51 | Southwest Georgia United Empowerment Zone Construction Loans | Loans with "Same Day Funding" | determined by lender | https://swgau.org/financing-options/ | Financing | Organization Loan | ||||||||||||||||||||
52 | Southwest Georgia United Empowerment Zone Business Financing | Financing with "Funding In Just Days" | determined by lender | https://swgau.org/financing-options/ | Financing | Organization Loan | ||||||||||||||||||||
53 | USI CDFI | "strive to ease the way for entrepreneurs to prosperity and economic liberation by creating middle-income and wealth-generating jobs and thriving businesses." | determined by lender | https://usi-cdfi.org/ | Financing | Organization Loan | ||||||||||||||||||||
54 | Clearinghouse CDFI Small Business Financing | "Clearinghouse CDFI finances projects that improve communities through measurable benefits." | determined by lender | https://www.clearinghousecdfi.com/borrowing/community-loans/small-business/ | Financing | Organization Loan | ||||||||||||||||||||
55 | Nonprofit Finance Fund Acquisition and Construction Loans | This loan works to "provide loans to purchase, build or upgrade your sites and facilities, including leasehold improvements and equipment needs." | determined by lender | https://nff.org/financing | Financing | Organization Loan | ||||||||||||||||||||
56 | Nonprofit Finance Fund Working Capital | This finanicing works to "provide lines of credit and flexible loans to address your cash needs" | determined by lender | https://nff.org/financing | Financing | Organization Financing | ||||||||||||||||||||
57 | Nonprofit Finance Fund Bridge Loan | bridge loans "help you cover costs and begin facilities projects while awaiting payment of government or foundation grants or capital campaigns." | determined by lender | https://nff.org/financing | Financing | Organization Financing | ||||||||||||||||||||
58 | Raza Development Fund's Capital | "Raza Development Fund is currently working with a number of mission-aligned community partners in Arizona, California, Oregon, Washington, Philadelphia, Texas, Florida, Minnesota, and Ohio to ensure affordable access to credit for small, minority-owned business enterprises that have been systemically overlooked by traditional funders." | determined by lender | https://razafund.org/phx/small-business/ | Financing | Organization Loan | minority-owned business enterprises | |||||||||||||||||||
59 | Center for Economic Opportunity Loan | "The International Rescue Committee’s Center for Economic Opportunity (CEO) is a unique non-profit Community Development Financial Institution (CDFI) Loan Fund that specializes in making flexible, affordable consumer and microenterprise loans to borrowers with little access to traditional financing." | determined by lender | https://irc-ceo.org/what-we-do/ | Finacing | Organization Loan | "newcomers to the U.S., linguistic or cultural barriers often serve to further exclude families from the financial mainstream." | |||||||||||||||||||
60 | Accion Opportunity Fund Small Business Progress Loan | "Accion Opportunity Fund is a financial support system that provides business owners with access to capital, networks, and coaching." | determined by lender | https://aofund.org/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
61 | Dreamspring Power Line of Credit | "You can strengthen your small business with flexible financing through our Power "Line of Credit, where you can borrow, repay, and repeat based on your business needs." | determined by lender | https://www.dreamspring.org/power-line-of-credit | Financing | Organization Line of credit | ||||||||||||||||||||
62 | Dreamspring SBA Community Advantage Loan | "DreamSpring is proud to offer U.S. Small Business Administration (SBA) Community Advantage 7(a) loans. Backed by a government guarantee, these loans can extend more capital to entrepreneurs than they would qualify for under traditional financing terms. Our experienced lenders can guide you through the process and help you succeed." | determined by lender | https://www.dreamspring.org/sba-community-advantage-loan | Financing | Organization Loan | ||||||||||||||||||||
63 | Dreamspring Small Business Loan | "DreamSpring loans are personalized to your small business goals, whether you’re just starting out or looking to grow. With a loan amount that meets your needs and affordable repayment options, we can help your small business grow." | determined by lender | https://www.dreamspring.org/small-business-loans | Financing | Organization Loan | ||||||||||||||||||||
64 | Grameen America Loan | "first-time loan starts at no more than $2,000 and good-standing members are eligible to receive larger loans every six months. No credit score, collateral, or business income is required to receive a microloan from Grameen America." | requirements: Live in or nearby one of Grameen America’s branch locations across the United States, Form a group of four other women entrepreneurs in your community that you know and trust, Participate in a week of training to learn about the program and loan requirements, Attend weekly meetings once a week at a specified 30-minute time to make loan repayments, continue receiving financial education, and build your peer networks, Commit to repaying your loan on time in weekly installments. The amount and due date are based on your loan size. All loans are on a six-month term, Work hard and invest your loan to grow your business. Our first-time loan is between $500 and $2,500 and every six months, depending on your record and support from your center, you will have the opportunity to receive larger loans. | https://www.grameenamerica.org/request-a-loan | Financing | Organization Loan | Women entrepreneurs | |||||||||||||||||||
65 | LiftFund Small Business Loan | this loan "provide[s] loans for: Commercial Real Estate Purchases Equipment Inventory Leasehold Improvements Supplies Vehicles Working Capital" | Eligibility: "You must be over 21 years of age We do not provide business loans for adult entertainment You cannot be in any active bankruptcy proceedings" | https://www.liftfund.com/funding-options/ | Financing | Organization Loan | ||||||||||||||||||||
66 | Community Development Fund Microloan | "The NCRC Community Development Fund’s mission is to work with community partners – and target our capital – to build wealth, and reduce poverty and unemployment, in LMI, Black, and Hispanic communities nationwide." | determined by lender | https://www.communitydevelopmentfund.org/lending/ | Financing | Organization Loan | low-income and miority entrepreneurs | |||||||||||||||||||
67 | Community Development Fund Small Business Loan | "The NCRC Community Development Fund’s mission is to work with community partners – and target our capital – to build wealth, and reduce poverty and unemployment, in LMI, Black, and Hispanic communities nationwide." | determined by lender | https://www.communitydevelopmentfund.org/lending/ | Financing | Organization Loan | low-income and miority entrepreneurs | |||||||||||||||||||
68 | Bluehub Capital Real Estate Loans | "BlueHub Loan Fund looks to partner on commercial real estate projects that are part of broad economic development efforts supporting job creation, and that align with neighborhood investment plans." | determined by lender | https://bluehubcapital.org/community-development-financing/commercial-real-estate | Financing | Organization Loan | ||||||||||||||||||||
69 | Neighborhood Lending Partners Real Estate-Based Economic Development Loan | "NLP provides real estate-based loans to catalyze economic development in the communities it serves. To qualify, the subject site must either be located in a low income census tract or serve a primarily low-income population." | determined by lender | https://www.nlp-inc.com/products-and-services/ | Financing | Organization Loan | ||||||||||||||||||||
70 | Bankers Small Business CDC Small Business Loan | "Small Business Loans from $20,000- $350,000" | determined by lender | https://cdcloans.com/small-business-loans/ | Financing | Organization Loan | Atlanta Businesses | |||||||||||||||||||
71 | Southern Crescent Women In Business Credit and Financing | "Southern Crescent Women In Business Inc is committed to breaking barriers when acessing capital to start, support, and scale women owned businesses." | determined by lender | https://www.scwibga.org/creditandaccesstocapital | Financing | Organization Loan | Women entrepreneurs | |||||||||||||||||||
72 | National Funding Small Business Loan | "Whether you’re planning a business expansion or you need help with managing payroll, small business loans provide entrepreneurs with the funding necessary to operate their businesses hassle-free." | determined by lender | https://www.nationalfunding.com/small-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
73 | National Funding Working Capital Loans | "A short-term loan that is used to finance day-to-day business operations such as managing payroll, stocking inventory, manufacturing products, paying debts, and so on can be termed as working capital loan." | determined by lender | https://www.nationalfunding.com/solutions/working-capital-loans/ | Financing | Organization Loan | ||||||||||||||||||||
74 | National Funding Short Term Business Loans | "When it comes to business loans, the length of your personal business loan term is almost as important as securing funds." | determined by lender | https://www.nationalfunding.com/solutions/short-term-business-loans/ | Financing | Organization Loan | ||||||||||||||||||||
75 | National Funding Equipment Financing & Leasing | "equipment financing loans help businesses secure the equipment they need to keep their business up and running." | determined by lender | https://www.nationalfunding.com/equipment-leasing/ | Financing | Organization Loan | ||||||||||||||||||||
76 | ACE Small Business Loan | ACE provides "Capital, Coaching, and Connections for underserved borrowers and communities that create and retain jobs" | "Businesses 2+ years in operation Must be a Georgia-based for-profit enterprise Active Secretary of State Filings and Organizational documents in good standing If registered in sam.gov, must have acceptable standing (registration is not required) Ineligible businesses include publicly traded companies, multilevel marketing, gambling establishments, pyramid investments, real estate investment firms (REITS), and adult entertainment" | https://aceloans.org/apply-for-a-loan/small-business-loans/ | Financing | Organization Loan | entrepreneurs with business 2+ years old | |||||||||||||||||||
77 | ACE Commercial Loans | ACE provides "Capital, Coaching, and Connections for underserved borrowers and communities that create and retain jobs" | "Businesses 2+ years in operation Must be a Georgia-based for-profit enterprise Active Secretary of State Filings and Organizational documents in good standing If registered in sam.gov, must have acceptable standing (registration is not required) Ineligible businesses include publicly traded companies, multilevel marketing, gambling establishments, pyramid investments, real estate investment firms (REITS), and adult entertainment" | https://aceloans.org/apply-for-a-loan/commercial-loans/ | Financing | Organization Loan | entrepreneurs with business 2+ years old | |||||||||||||||||||
78 | Fearless Fund | "Fearless Fund invests in high growth, scalable, women of color-led ventures across the United states." | Requirements listed on website | https://www.fearless.fund/apply | Financing | Organization Financing | Women of color entrepreneurs | |||||||||||||||||||
79 | HerSuiteSpot Grant | "The Yva Jourdan Foundation, Inc. in partnership with HerSuiteSpot has provided micro-grants to Women of Color entrepreneurs since 2017 as a way to assist them in starting or growing a business." | determined by lender | https://www.hersuitespot.com/herrise/ | Financing | Organization Grant | Women of color entrepreneurs | |||||||||||||||||||
80 | HerSuiteSpot Capital | HerSuiteSpot provides "members with the resources they need to grow their businesses and reach their full potential." | determined by lender | https://www.hersuitespot.com/capital/ | Financing | Organization Financing | Women of color entrepreneurs | |||||||||||||||||||
81 | HerRise Microgrant | "The Yva Jourdan Foundation, the non-profit arm of HerSuiteSpot, raises money to help WOC entrepreneurs gain access to the coaching, community and capital they need to take their businesses to the next level." | determined by lender | https://www.hersuitespot.com/capital/ | Financing | Organization Grant | Women of color entrepreneurs | |||||||||||||||||||
82 | Tory Burch Foundation And Bank Of America Capital Program | "The Tory Burch Foundation and Bank of America Capital Program provides women entrepreneurs in the United States the opportunity to access affordable loans through Community Lenders" | "The eligibility of applicants is determined by the local Community Lenders. The program is designed for women entrepreneurs with: A sustainable business A satisfactory credit rating At least two years in business and generating revenue" | https://www.toryburchfoundation.org/bank-of-america-loan-program/ | Financing | Organization Financing | Women entrepreneurs | |||||||||||||||||||
83 | Tory Burch Foundation Women of Color Grant Program | The foundation selects "75 women of color-owned businesses to receive $10,000 and $20,000 grants and access to education and community in partnership with the Fearless Fund." | "Business must be at least 51% woman of color-owned For-profit business One to five years in business preferred Formed under United States law and operating in the United States Revenue generating (Minimum annual revenue of $100,000 strongly preferred)" | https://www.toryburchfoundation.org/women-of-color-grant-program/ | Financing | Organization Grant | Women of color entrepreneurs | |||||||||||||||||||
84 | TruFund Small Business Loan | "The purpose of TruFund Financial Services, Inc.’s Small Business Loan is to provide access to capital for small businesses." | requirements listed on website | https://www.trufund.org/products-services/small-business-lending/trufund-small-business-loan/ | Financing | Organization Loan | ||||||||||||||||||||
85 | TruFund's Small Business Administration Community Advantage 7(a) Loan | "TruFund Financial Service, Inc. is an authorized SBA 7(a) lender under the SBA Community Advantage Loan Program." | "Credit: Must have a reasonable personal credit score and an acceptable explanation for any derogatory marks for principal borrowers Capital Injection: Borrowers must inject normally between 10% and 30% of total project costs for start-up businesses and for business acquisition financing Collateral: Borrowers are required to pledge available collateral. Insufficient collateral will not preclude borrower from obtaining financing Secondary sources of repayment: – Historical business cash flow sufficient to service requested debt – Cash flow ability based on reasonable projections Experience: Business owners must have at least 2 years of experience in the industry and show historical earnings sufficient to cover personal living expenses" | https://www.trufund.org/products-services/small-business-lending/sba-community-advantages-7a-loan/ | Financing | Organization Loan | entrepreneurs with at leat 2 years of experience in their business field | |||||||||||||||||||
86 | TruFund’s TruAccess Contractor Mobilizations Loans | "TruFund’s TruAccess Contractor Mobilizations Loans provide access to capital for contractors to fund costs of mobilization, including working capital, materials, supplies, and receivables financing." | requirements listed on website | https://www.trufund.org/products-services/small-business-lending/truaccess-contractor-mobilization-loans/ | Financing | Organization Loan | women-owned and minority-owned organizations | |||||||||||||||||||
87 | TruFund’s Community Development Financial Institution Short Term Loan Fund | "Community Development Financial Institution (CDFI) Short Term Loans are designed to provide access to capital for contractors to fund costs of mobilization, including working capital, materials, supplies, and receivables financing." | "Credit: Must have a 600 FICO credit score Minimum Debt-Service Coverage Ratio: 1.10x Collateral Requirement: Business must have minimum revenue of $150,000 in prior year Repayment Terms: Monthly P&I payments (may have interest-only period) Business Requirements: Business must have been in operation for at least one year Operating businesses must also meet one of the following criteria: Located in an low-to-moderate income or underserved community and/or Majority owned by women Majority owned by minority or other disadvantaged group Employs workers from low-to-moderate income communities" | https://www.trufund.org/products-services/small-business-lending/cdfi-short-term-loan-fund/ | Financing | Organization Loan | women-owned and minority-owned organizations | |||||||||||||||||||
88 | TruFund’s Community Development Financial Institution Long Term Loan Fund | "Community Development Financial Institution (CDFI) Short Term Loans are designed to provide access to capital for contractors for long-term capital needs including equipment, vehicles, facilities/leasehold improvements, back-office staff hiring, and debt consolidation." | "Credit: Must have at least a 600 credit score Minimum Debt-Service Coverage Ratio: 1.10x Collateral Requirement: Business must have minimum revenue of $200,000 in prior year Repayment Terms: Monthly P&I payments (may have interest-only period) Business Requirements: Business must have been in operation for at least one year Operating businesses must also meet one of the following criteria: Located in an low-to-moderate income or underserved community and/or Majority owned by women Majority owned by minority or other disadvantaged group Employs workers from low-to-moderate income communities" | https://www.trufund.org/products-services/small-business-lending/cdfi-long-term-loan-fund/ | Financing | Organization Loan | women-owned and minority-owned organizations | |||||||||||||||||||
89 | Latino Economic Development Corporation Small Business Loan | "LEDC IS A CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) PROVIDING ALTERNATIVE FINANCING TO HELP BUILD AND GROW LOCAL BUSINESSES IN MAYAGÜEZ, PUERTO RICO AND THE WASHINGTON, DC AND BALTIMORE METROPOLITAN AREAS." | determined by lender | https://www.ledcmetro.org/small_business_loans | Financing | Organization Loan | ||||||||||||||||||||
90 | Latino Economic Development Corporation Women’s Small Business Loan | "The EWI Women’s Small Business Loan provides seed capital ranging from $500 to $2,500 at 0% interest. Larger amounts are available at low-interest rates." | determined by lender | https://www.ledcmetro.org/ewi_small_business_loan | Financing | Organization Loan | ||||||||||||||||||||
91 | Latino Economic Development Corporation Ace Loan Program | "The Montgomery County Economic Development Corporation’s (MCEDC) Accelerating Community Excellence (ACE) Loan Program assists eligible small businesses in underserved communities.' | determined by lender | https://www.ledcmetro.org/ace_loan_program | Financing | Organization Loan | ||||||||||||||||||||
92 | American Express Business Loans for Women | This loan provides "business loans for women entrepreneurs." | determined by lender | https://www.americanexpress.com/en-us/business/blueprint/loans-for-women | Financing | Organization Loan | women entrepreneurs | |||||||||||||||||||
93 | InvestAtlanta Atlanta Cares Revolving Loan Fund (ACRLF) | "Aimed to alleviate sudden and severe economic dislocation caused by the coronavirus (COVID-19) pandemic and provide permanent resources to support economic resiliency to further the long-term economic objectives of the region." | determined by lender | https://www.investatlanta.com/businesses/small-businesses/small-business-loan-programs | Financing | Organization Loan | Atlanta Businesses | |||||||||||||||||||
94 | InvestAtlanta SBA 504 Loan Program | "Financial and technical assistance of up to $5 million for small minority- and female-owned businesses relocating or expanding in the City of Atlanta." | determined by lender | https://www.investatlanta.com/businesses/small-businesses/small-business-loan-programs | Financing | Organization Loan | women and minority entrepreneurs | |||||||||||||||||||
95 | InvestAtlanta Phoenix Fund | "Provides small businesses with affordable loans from $10K to $100K." | determined by lender | https://www.investatlanta.com/businesses/small-businesses/small-business-loan-programs | Financing | Organization Loan | ||||||||||||||||||||
96 | InvestAtlanta Opportunity Loan Fund | "Supports job creation by providing gap funding to small and medium-sized businesses creating new quality jobs." | determined by lender | https://www.investatlanta.com/businesses/small-businesses/small-business-loan-programs | Financing | Organization Loan | ||||||||||||||||||||
97 | InvestAtlanta Empowerment Zone Program | "Stimulating growth within the Empowerment Zone with funding from $25-50K." | determined by lender | https://www.investatlanta.com/businesses/small-businesses/small-business-loan-programs | Financing | Organization Funding | ||||||||||||||||||||
98 | InvestAtlanta Atlanta Catalyst Fund | "Aimed at supporting job creation in distressed neighborhoods with funding from $50-100K." | determined by lender | https://www.investatlanta.com/businesses/small-businesses/small-business-loan-programs | Financing | Organization Loan | ||||||||||||||||||||
99 | InvestAtlanta Business Improvement Loan Fund | "Direct loans of up to $100K to businesses located within business improvement districts." | determined by lender | https://www.investatlanta.com/businesses/small-businesses/small-business-loan-programs | Financing | Organization Loan | ||||||||||||||||||||
100 | InvestAtlanta Atlanta Forward Loan Fund | "Provides financial assistance to small businesses and start-up companies located within accelerators, incubators and co-working spaces in the City of Atlanta." | determined by lender | https://www.investatlanta.com/businesses/small-businesses/small-business-loan-programs | Financing | Organization Loan | Atlanta Businesses |