Our expert team of dedicated lenders, instructors and advisors is ready to walk with our clients every step of the way.

How will a loan help you grow your small business? Is now the right time for financing?


Explore these questions and develop or refine your business model with expert coaching in a Blue Sky session. It's the best place to get started at Pathway Lending.

Know the purpose for the loan you seek? Have a plan for where it can take your small business?


With a range of flexible and affordable options, a loan with Pathway Lending can make your business more productive and profitable. 

“Pathway Lending has a team that is made to help people just like you and me get funding to grow our businesses and create a better economy for our community."

Brandon Ellis, Owner, Chatter Box Café


Kristina Head

VP Lending- Chattanooga

(615) 732- 7126

Katie Hendrix

Director, Community Engagement

(423) 205- 3450

Ann Zack

Senior Business Advisor

(615) 916- 4912


With funding from JPMorgan Chase, Pathway Lending commissioned research into the needs of Hamilton County Black businesses from the Urban League of Greater Chattanooga. The assessment aims to advance inclusive growth and strengthen Chattanooga’s ecosystem for small and minority-led businesses.

Last fall, on November 8-9, 2021, Pathway Lending hosted its inaugural African American Business Summit at the Bessie Smith Cultural Center. The African American Business Summit was a free, two-night event that welcomed expert presenters and experienced business owners to lead six sessions on how Black-owned businesses can access funding and put it to work in growing their businesses.

Night two of the African American Business Summit included a panel discussion hosting four Chattanooga local business owners  They had the opportunity to share their own tips and tricks in navigating business ownership while giving attendees insight into their personal journeys of entrepreneurship.


Wonder what it takes to get a loan for your small business and how banks and lenders decide things like how much you can borrow or how much time you have to repay it? Check out our Cheat Sheet for a rundown of the key basic concepts you should know if you're thinking about a small business loan. 

Check out our post on applying for a loan with Pathway Lending. We break it down into five easy  steps and point you to resources for learning more about the business records you'll need, where to  find answers to frequently asked questions, and where to learn more about Pathway Lending.

QuickBooks Online: Bootcamp offers a two-hour crash-course on managing your finances with the preferred software for small business accounting. From basic usage to more in-depth features, we will cater to your QuickBooks Online skill level and focus on the needs of your small business.

More Than A Lender

Whether you need capital to grow your business or education to get capital ready, Pathway Lending is here to help you take your next step. We offer a complete catalog of flexible and affordable loan products perfect for Tennessee-based businesses looking to grow or expand. What makes us unique is our full range of learning programs, from classrooms to one-to-one coaching by our expert advisors, to support you each step along your path.


We specialize in working with minority, women, veteran, rural and low-income small business borrowers. Often, our clients are first-time borrowers who don’t have a lending relationship, have been declined for a loan or seek more capital than they might be able to secure at another institution. 

Our clients choose Pathway because we partner with them to help their businesses succeed. Your opportunity is our mission. 

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We're glad you're here and want to get you to the right place!

If you are a small business in Nashville or Davidson County, you may be eligible for a 2%-interest loan with the Nashville Small Business Recovery Fund (NSBRF).

Tell me more about NSBRF loans          I'm here to inquire about other Pathway loans