Pathway Lending Loan Catalog
We believe in entrepreneurs like you, and we’re dedicated to getting you the capital you need to successfully start or grow a business.
RESTART TN | Tennessee businesses impacted by COVID-19 now have access to socially responsible loans and coaching to help them strategize for the next phase and restart operations.
Fund your business opportunities with loans and lines of credit
Loans from $5,000 to $5 million
Flexible loans featuring higher loan-to-value ratios (up to 100 percent), longer terms and payback periods, and more reliance on your opportunities, instead of just your historical performance.
Where we lend
Pathway Lending currently makes business loans statewide in Tennessee and Alabama. We also serve businesses in the greater Memphis Region, which includes portions of Arkansas and Mississippi.
RESTART TN LOANS
COVID-19 may have interrupted your business overnight, but it will take longer to get back up and running. We’re here to help. With flexible loans and a full menu of Restart education programs, you can turn to Pathway for the support you need to restart today and plan for tomorrow. With your loan, we partner you with our Advisory Services team, who will help you navigate business decisions and effectively manage your loan.
Click to learn more about our Restart Loan Products for Veterans, Rural Tennessee, the Memphis Medical District and Memphis & Shelby County, as well as our statewide Tennessee offering (details coming soon).
MARCH 3, 2020 TORNADO RECOVERY LOANS | WHEN DISASTER STRIKES, WE'RE HERE TO HELP
The March 3, 2020 tornado impacted many businesses in Middle Tennessee. We’re here to help you recover. Applications accepted through May 29, 2020 from small businesses established prior to March 3, 2020 operating in Davidson, Wilson, and Putnam Counties.
With a streamlined application and quick decision process, our recovery loans can provide your business up to $50,000 in a matter of days. Replace or repair lost or damaged business assets, cover working capital needs or normal operating expenses, and get access to technical assistance and coaching from our team.
No payments for the first six months and a low fixed rate of 4% for up to 66 months with no pre-payment penalties and all up-front fees paid from loan proceeds. Existing small businesses in eligible impacted areas may apply.*
Microloans are ideal for early-stage businesses needing permanent working capital, equipment, or inventory. With your micro-loan, you are partnered with a member of our Advisory Services team, a valuable resource who’ll help you navigate business decisions and effectively manage your loan.
TERM LOANS FOR WORKING CAPITAL & GROWTH
Having cash on hand is especially important when your business is growing. This product is designed to help entrepreneurs with growing, developing, and sustaining their business in a time when conventional sources of capital are difficult to come by.
The right equipment can help your business be more productive and profitable. Whether you’re looking to buy new or used equipment, a Pathway Lending equipment loan can ensure that your business has the tools it needs to grow and thrive.
With up to 100% project financing, we’ve designed our loans to keep cash in your pocket and give you the flexibility to purchase the equipment you need to expand your business.
COMMERCIAL REAL ESTATE LOANS
Ready to purchase or refinance owner-occupied real estate? Our commercial real estate loan is one of the most cost-conscious products on the market. With higher loan to value ratios and extended amortizations, it will reduce both upfront and ongoing real estate expenses. This product also allows you to refinance your building, providing you with a cash-out option that frees up equity for other investments into your business.
ACCOUNTS RECEIVABLE FINANCING
Leverage your accounts receivable to provide a seamless and consistent flow of cash into your business. The A/R financing product automatically adjusts to meet your changing needs to help you grow by immediately unlocking cash in your accounts receivables. This flexible source of capital helps businesses experiencing rapid growth purchase materials, pay vendors, and cover operating expenses to take on new and larger sales.
ENERGY EFFICIENCY & RENEWABLE LOANS
This unique loan product helps Tennessee businesses, governmental entities, and nonprofits overcome the upfront cost barriers of implementing energy efficiency and renewable energy projects.
With up to 100% project financing, including design and installation, you can quickly begin enjoying the financial benefits of energy efficiency in your facility.
Visit our Energy Efficiency Loan Program page for details on terms, rates, and more!
REVOLVING LINES OF CREDIT
Access to a line of credit allows businesses to operate with enough cash on-hand to pay for short-term debt and expenses, which is essential in times of growth or transition. This is especially useful in industries with major seasonal fluctuations, as it can fill in the gaps between when bills are due and when sales are made or payment comes in.
AFFORDABLE MULTIFAMILY HOUSING LOANS
Ideal for multifamily housing developers looking for permanent financing for affordable and mixed-income workforce, this flexible source of capital supports the acquisition, development, rehabilitation, and refinancing of properties in communities across Tennessee.
With competitive rates and terms, our Affordable Multifamily Housing loans boost property financial performance and help provide safe, quality, affordable housing. This attractive and reliable source of long-term financing will expedite the development process.
If you’re ready to start the loan application process, click here to visit our pre-application form. If you have questions about who can apply for a loan, how you can use funds from Pathway Lending, or need more information, please visit our FAQs page. You can also visit our Community Impacts page to read our most recent annual reports.