Our History

Pathway Lending was created in 1999 as an economic development agency to increase access to capital for Tennessee businesses. As a Community Development Financial Institution certified by the US Treasury, we do good work. We align capital with opportunity to seed innovation and investment in communities across Tennessee and Alabama. With more than $175 million in loans and 36,000 hours of business advisory services, we’re doing right by our clients, investors and partners.

Our Mission

The mission of Pathway Lending is to provide lending solutions and educational services that support the development, growth, and preservation of underserved small businesses, affordable housing, and sustainable communities.

We are financing businesses and strengthening communities.

Our Target Market

Pathway Lending serves businesses throughout Tennessee and Alabama; but focuses its activities on underserved Target Markets that include businesses located in Qualified Investment Areas (as defined by low-income census tracts, poverty rates, and unemployment statistics) and African-American owned businesses.

Our Board of Directors

Pathway Lending is a private, 501(c)3 organization governed by an independent board of directors. The board provides fiduciary and organizational oversight and ensures we achieve our mission of growing businesses and strengthening Tennessee communities. See our current Board.

Our Staff

Joe Agnetta
Joe Agnetta Chief Credit Officer

Experienced commercial lending professional. Built credit policy and practices to strengthen Pathway’s loan portfolio.

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Lorraine Biggs, CPA Controller

Seasoned public and private accounting professional. Oversees accounting systems to ensure strong financial practices.

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Amy Bunton President Women’s Business Center

Accomplished economic development executive who improved access to capital for women and minority-owned businesses.

Phylicia Coleman
Phylicia Coleman, CPA Advisory Services Consultant

Valued resource who provides sound business coaching and financial analysis services to entrepreneurs across Tennessee.

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Loren Dabbs Administrative Assistant

Dedicated liaison and first point of contact for our clients. Ready to help your business capture opportunity.

Brandon England
Brandon England Director Energy Efficiency Lending

Expert in efficiency and renewable energy solutions. Equipped to help generate savings that grow Tennessee business.

Clint Gwin, Pathway Lending
Clinton B. Gwin President

Industry leader in economic development lending. Proven innovator with 20 years’ experience helping business grow.

Becky Haack
Rebecca Haack Portfolio Manager/Loan Operations Specialist

Skilled portfolio manager with 20 years’ experience. Dedicated to keeping your business on its path to success.

Barbara Harris, Pathway Lending
Barbara Harris, CPA, CGMA Chief Financial Officer

A respected corporate finance professional with experience in strategy, budgeting and non-profit management.

Erin Hayes
Erin Hayes Marketing & Communications Specialist

Skilled communicator with broad base of experience in marketing strategies and tactics, and a passion for helping others.

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Hank Helton SVP of Lending

Accomplished financial and community development professional. Leading our team to connect opportunity and capital.

Paul Hoffmann
Paul M. Hoffmann Director of Policy & Impacts

Expert in program development, communications, and impact measurement. Dedicated to making real impacts in Tennessee.

Mary Hoehn-Kitchens
Mary Hoehn Kitchens Assistant VP of Lending & Client Relations

Skilled lender dedicated to creating an environment supportive of entrepreneurs, innovators, and small business owners.

Bob Lancaster
Bob Lancaster Director of Advisory Services

Seasoned executive who draws on strategic planning, management, and accounting experience to ensure clients succeed.

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Jennifer McLachlan Administrative Marketing Manager

Leader in marketing, branding, and small business technology. Ensures Pathway delivers on its innovative programs.

Aja Nowlin
Aja Nowlin Grants & Compliance Specialist

Experienced grants and compliance professional. Dedicated to strong oversight of grant programs and accurate stakeholder reporting.

Terry Randall
Terry Randall Loan Documentation Specialist

Accomplished expert in managing credit, collateral, and documentation to close loans and make opportunity happen.

Donna Robinson
Donna Robinson Accounting Technician

A veteran accounting professional with experience interpreting financial data and monitoring financial reporting.

Lori Rochelle
Lori Rochelle VP of Administration

A dynamic leader who wears many hats, oversees office operations, and keeps Pathway running smoothly & professionally.

Sarah Simpkins
Sarah Simpkins Credit Analyst

Skilled origination specialist. Provides insightful analysis that keeps capital flowing to small and growing businesses across Tennessee.

Pam Theis
Pam Theis VP of Lending & Client Relations

Expert business lender. Engages with entrepreneurs to evaluate their needs and connect them to the right resources.

Dan Wilson
Daniel A. Wilson VP of Lending Operations

Veteran loan operations specialist. Directs and manages all loan fund operations to maintain strong portfolio health.

Mason Worthington
Mason Worthington, CPA Advisory Services Specialist

Respected business advisor dedicated to providing quality coaching to improve the organizational health of our clients.