Helping small businesses reach big potential.

我们也许能够帮助您的公司缺口融资-看看你有资格获得哪些贷款.

How do you get started?

浏览我们的简易清单或下载信息传单以获取更多信息.

1
RSVP for one of our in-person seminars or take it online.
2
Download informational flyer.
3
Fill out a loan application through the online platform.

Small Business Loans

e世博esball局管理这些基金,以鼓励亚特兰大市的商业发展.

Atlanta Cares Revolving Loan Fund (ACRLF)

为应对COVID-19造成的经济中断提供财政支持

Type

旨在减轻冠状病毒(COVID-19)大流行造成的突然和严重的经济混乱,并提供永久性资源以支持经济弹性,以进一步实现该地区的长期经济目标.

Amount

$10,000 to $100,000

Structure

  • Direct Loans

Terms

Not to exceed 7 years; with a 6-12-month deferment prior to first loan payment

Interest Rate

1% to 3%

Requirements

ACRLF的设立是为了向从事贸易的中小型当地企业提供公共利益, industry, 以应对新冠肺炎对亚特兰大市商业生态系统造成的经济冲击和灾难.

Eligible Areas

Citywide

Jobs Created/Retained

在covid - 19灾难和类似时期,ADA打算帮助符合条件的企业保留就业机会.

Application Fee

Waived

SBA 504 Loan Program

为在亚特兰大市搬迁或扩张的少数族裔和女性拥有的小企业提供高达500万美元的财政和技术援助.

Type

为在亚特兰大市搬迁或扩张的少数族裔和女性拥有的小企业提供财政和技术援助.

Amount

Up to $5 million for job creation; $5.5 million for public policy manufacturers; $4 million for NAICS Sector 31, 32 or 33 manufacturers.

Structure

  • Private Financing - 50%
  • SBA Loan - 40%
  • Equity - 10%

Terms

10 or 20 years

Interest Rate

Based on 10-year Treasury Note

Requirements

10% Equity Injection

Eligible Areas

Citywide

Application Fee

Waived

Phoenix Fund

Provides small businesses with affordable loans from $10K to $100K.

Type

Provides small and medium-sized businesses with affordable loans.

Amount

$10,000 - $100,000

Structure

  • Private Financing - 67%
  • Phoenix Fund - 33%

Terms

3 to 7 years, (15 years for real estate)

Interest Rate

½ of prime plus 2% (4% minimum)

Eligible Areas

Citywide

Jobs Created/Retained

Create or retain 1 job for each $35,000 loaned

Application Fee

Waived

Opportunity Loan Fund

Supporting job creation with gap funding from $100K.

Type

通过向中小企业提供缺口资金,创造新的高质量就业岗位,支持创造就业机会.

Amount

$100,000

Structure

  • Private Financing - 50%
  • Opportunity Loan Fund - 50%

Terms

3 to 7 years, (15 years for real estate)

Interest Rate

½ of prime plus 2% (4% minimum)

Requirements

20% Equity Injection

Eligible Areas

Citywide, with special consideration for businesses in Priority Areas.

Jobs Created/Retained

At least 5 quality jobs providing healthcare coverage

Application Fee

Waived

Empowerment Zone Program

以25-5万美元的资金刺激授权区域内的增长.

Type

Stimulating growth within the Empowerment Zone.

Amount

$25,000 - $50,000

Structure

  • Direct Loans

Terms

Up to 5 yrs for inventory & working capital, 7yrs fixed assets, 10 yrs leaseholder improvements & 15 yrs property acquisition.

Interest Rate

0% to prime +2

Requirements

10% Equity Injection

Eligible Areas

Empowerment Zone

Application Fee

Waived

Atlanta Catalyst Fund

旨在通过5 -10万美元的资金支持贫困社区创造就业机会.

Type

通过向亚特兰大市的贫困社区提供小企业贷款,寻求刺激就业和经济发展.

Amount

$50,000 - $100,000

Structure

  • Direct loans

Terms

3 to 7 years

Interest Rate

Based on evaluation of cash flow

Requirements

20% Equity Injection

Eligible Areas

Targeted area

Application Fee

Waived

Business Improvement Loan Fund

向商业改善区内的企业提供最高10万美元的直接贷款.

Type

鼓励重点商圈振兴,支持其他符合条件的地区发展.

Amount

Direct Loans: $100,000 maximum
Loan Participants: Not to exceed 10% of total financing

Structure

  • Direct Loans

Terms

3 to 7 years

Interest Rate

Based on evaluation of cash flow statement.

Requirements

20% Equity Injection

Eligible Areas

Business Improvement Districts

Application Fee

Waived

Atlanta Street Vendor Loan Fund

为亚特兰大市允许的街头摊贩购买符合自动售货条例的自动售货车提供支持.

Type

协助亚特兰大市允许的街头小贩购买符合售货条例的售货车.

Amount

Up to $3,000.

Structure

  • Direct Loans

Terms

Not to exceed 2 Years

Interest Rate

0%

Requirements

Matching portion must be at least a 1:1 ratio

Eligible Areas

Citywide

Application Fee

Waived

Atlanta Forward Loan Fund

为位于加速器内的小型企业和初创公司提供财政援助, incubators and co-working spaces in the City of Atlanta.

Amount

$5,000 to $20,000

Structure

  • Direct Loans

Terms

3 years with a six-month deferment before the first payment is due.

Interest Rate

2% Fixed

Requirements

Must maintain a business location in the City of Atlanta.

Eligible Areas

Citywide

Application Fee

Waived

Community Loan Fund

Provides funds for existing companies improving commercial property, purchasing equipment, furniture and fixtures, and paying off high-interest business debt.

Type

Funding for existing companies improving commercial property, purchasing equipment, furniture and fixtures, and paying off high-interest business debt.

Amount

$10,000 - $50,000; up to $30,000 can be used for working capital.

Terms

Direct Loans

Varies Between 3 and 7 Years

Interest Rate

3% Fixed

Requirements

Must be a recent graduate or attending a technical assistance program.

Eligible Areas

Citywide

Application Fee

Waived

Brownfield Revolving Loan Fund

市区范围内符合条件的再开发产品的清理融资.

亚特兰大市-投资亚特兰大棕地循环贷款基金(BRLF)计划为亚特兰大市范围内符合条件的棕地清理项目提供融资. 布朗菲尔德循环贷款基金(BCRLF)贷款适用于符合条件的人, suitable market- ready sites to appropriate developers and buyers. BRLF提供的贷款用于场地清理所需的补救措施, which then allow redevelopment projects to go forward.

For full program information, please visit: Brownfield Revolving Loan Fund

Terms

Loan terms will be based upon the borrower's needs, repayment ability and how much the borrower is financing. 还款期限将根据项目现金流需求定制. Interest only payments may be made available for the first year; however, all loans will be fully amortized by a daily rate. Deferred payments may be an option in structuring a workout plan. 一般来说,为了循环利用资金,期限会尽量短. All conditions, including the loan term, will be evidenced by a promissory note, security documents, and other closing documents, as necessary, to be signed at closing. 

Interest Rate

利率的设定将满足借款人的需求,同时产生的收入将支持亚特兰大市BRLF的管理费用. The interest rate, as a general rule, will be less than or equal to the prime interest rate, but not less than zero percent. 预计贷款利率将在零利率(0%)和现行市场利率加100个基点之间. 最优惠利率为《e世博esball》所报最优惠利率或州法律所允许的最高利率. The interest rate will be fixed for the term of the loan.

Eligible Areas

布朗菲尔德循环贷款基金在亚特兰大市的目标社区提供. 亚特兰大市和投资亚特兰大将把营销活动的重点放在以下列出的目标社区,以便对这些地区产生积极影响. Further, Invest Atlanta, 在可能的情况下,将与凤凰基金和商业改善贷款基金协调,以最大限度地提高项目的财务影响.

  • The Atlanta BeltLine 
  • Targeted Redevelopment Corridors
    • Donald Lee Hollowell Parkway
    • Simpson Road
    • Jonesboro Road
    • Campbellton Road
    • Stadium Neighborhoods
    • Memorial Drive
  • Proctor Creek Watershed
  • Groundwork Atlanta (NPUs D and G)
  • Atlanta Area Wide Planning Program
  • 机会区-市中心,奥本大道,莱克伍德公园,大都会乡村区., Cleveland Ave. Gateway and Southside Industrial Park.

Application Fee

Waived

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