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.

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.

MICROLOANS

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.

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pathway lending client

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.

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EQUIPMENT LOANS

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.

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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.

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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.

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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!

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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.

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LOW-INCOME MULTIFAMILY HOUSING LOANS

Ideal for multifamily housing developers looking for permanent financing for affordable housing properties (80% or less of median family income), this flexible source of capital supports the acquisition, construction, rehabilitation, or refinancing of affordable multifamily housing properties in communities across Tennessee.

With lower rates and longer terms, our Low-Income Multifamily Housing loans improve financial performance and help provide safer, more decent, and affordable housing. This attractive and reliable source of long-term financing will expedite the development process.

Learn More

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.