Small Business Loan Program (Invest Atlanta)

Small Business Loan Program (Invest Atlanta) is sponsored by Invest Atlanta. This program provides financial and technical assistance to small, minority- and female-owned businesses looking to expand and/or relocate within the city of Atlanta. While primarily a loan program, it offers support for business growth.

Atlanta Small Business Loan Programs Investing In Quality Careers With a higher quality of life, talented workforce, and lower cost of living, Atlanta is where more people and businesses are choosing to move. Learn about the demographics and opportunities in the City of Atlanta. Coming From Another Country?

Learn about why Atlanta is a great place to invest in or expand to. Site Selection Assistance Bonds, Loans, Grants & Incentives Opportunity Zone State Tax Credits See All Spotlight Projects Helping Atlanta Small Businesses Succeed on the World Stage We can help you finance your project and connect you with key resources. See why Atlanta is a great opportunity for development projects.

Opportunities & Incentives Brownfield Revolving Loan Fund Preliminary Development Assistance Commercial Property Assessed Clean Energy (PACE) Program Residential Housing Incentives Transit-Oriented Development Fund Tax Allocation District Financing See All Spotlight Projects Invest Atlanta Board Approves Over $8.

7 Million in TAD Funding for Affordable Housing See how we've helped other companies in Atlanta, and learn more about what we can do for you. Learn about the demographics and opportunities in the City of Atlanta.

DealRoom Startup-Investor Platform New and Emerging Technology Business Tax Waiver Opportunity Zone State Tax Credits Women's Entrepreneurship Initiative Atlanta Local Legacy Program City of Atlanta Recovery Fund Downtown Pop-Up Opportunity Fund Opportunity Zone State Tax Credits Small Business Disruption Loans Small Business Loan Programs Small Business Improvement Grants Medium / Large Businesses Site Selection Assistance Opportunity Zone State Tax Credits Bonds, Loans, Grants & Incentives We can help make your dream of owning a home in Atlanta a reality.

Discover why Atlanta is a great place to settle down and call home. Homebuyer Programs & Downpayment Assistance Find programs and incentives that work for you. Learn how Atlanta is helping existing residents with critical home repairs.

Senior Tax Relief Program Heirs Property Prevention and Resolution Initiative Check An Address To See If It Qualifies Current Program Participant Resources Foreclosure Prevention Resources Invest Atlanta Housing Committee & URFA Housing Committee We can help make intown living affordable for you. Explore Affordable Apartments See apartments that Invest Atlanta has helped finance.

See All Spotlight Projects Financing for 376 New Affordable Housing Units Approved by Invest Atlanta Board Invest Atlanta facilitates economic development within the city limits of Atlanta. Investing In Quality Careers Invest Atlanta facilitates economic development within the city limits of Atlanta. Coming From Another Country?

Site Selection Assistance Bonds, Loans, Grants & Incentives Opportunity Zone State Tax Credits See All Spotlight Projects March 31, 2026: Helping Atlanta Small Businesses Succeed on the World Stage Opportunities & Incentives Brownfield Revolving Loan Fund Preliminary Development Assistance Commercial Property Assessed Clean Energy (PACE) Program Residential Housing Incentives Transit-Oriented Development Fund Tax Allocation District Financing See All Spotlight Projects August 28, 2026: Invest Atlanta Board Approves Over $8.

7 Million in TAD Funding for Affordable Housing DealRoom Startup-Investor Platform New and Emerging Technology Business Tax Waiver Opportunity Zone State Tax Credits Women's Entrepreneurship Initiative Atlanta Local Legacy Program City of Atlanta Recovery Fund Downtown Pop-Up Opportunity Fund Opportunity Zone State Tax Credits Small Business Disruption Loans Small Business Loan Programs Small Business Improvement Grants Medium / Large Businesses Site Selection Assistance Opportunity Zone State Tax Credits Bonds, Loans, Grants & Incentives Homebuyer Programs & Downpayment Assistance Senior Tax Relief Program Heirs Property Prevention and Resolution Initiative Check An Address To See If It Qualifies Current Program Participant Resources Foreclosure Prevention Resources September 15, 2026: Invest Atlanta Housing Committee & URFA Housing Committee Explore Affordable Apartments See All Spotlight Projects March 27, 2025: Financing for 376 New Affordable Housing Units Approved by Invest Atlanta Board September 01, 2026: Investing in Quality Careers Invest Atlanta facilitates economic development within the city limits of Atlanta.

Annual Reports, Statements & Records Board Meeting Agendas & Minutes Neighborhood Reinvestment Initiative Commission September 01, 2026: Investing in Quality Careers Invest Atlanta facilitates economic development within the city limits of Atlanta. Helping small businesses reach big potential. We may be able to help your company with gap financing – see which loans you qualify for.

Run through our easy checklist or download an information flyer for more info. Businesses must be located within the city of Atlanta to be eligible. Download informational flyer.

Fill out a loan application through the online platform. Invest Atlanta administers these funds to encourage business development in the City of Atlanta. The purpose of the ABRLF is to empower small businesses to prepare for and capitalize on the economic opportunities presented by large, scaled events sponsored by the City of Atlanta through marketing, inventory, and customer experience efforts.

Such events include but are not limited to the 2026 FIFA World Cup, Super Bowl LXII - 2028, NCAA March Madness - 2031 and more. This is a pilot program designed to assess and improve our current processes. The goal is to deliver capital to businesses as quickly as possible, so certain parts of the underwriting process will be streamlined to allow for faster approvals.

While this approach may carry a slightly elevated level of flexibility in risk tolerance compared to other loans in our portfolio, it’s intentionally structured to meet urgent needs and help us evaluate how we can better support small businesses moving forward. Type of Loan Product - The Program will provide a direct loan to applicants or a participation loan if another funding source is involved.

Loan Size - Minimum $5,000; Maximum $15,000; 5% Matching Requirement (e.g., $250 match for $5K loan; $750 match for $15K loan) Can be cash or in-kind (proof of reinvestment, marketing, or staffing) Term of Loan - Maturity dates up to 3 years; loan terms shall not exceed the lease agreement terms. Interest Rate - Interest rates shall be determined based upon an analysis of the applicant's cash flow. Rates range from 3% to Prime.

Target Area - The Target Area for this loan fund is the commercial corridors of the City of Atlanta Provides financial support in response to economic disruptions by COVID-19 Aimed to alleviate sudden and severe economic dislocation caused by the coronavirus (COVID-19) pandemic and provide permanent resources to support economic resiliency to further the long-term economic objectives of the region.

Not to exceed 7 years; with a 6-12-month deferment prior to first loan payment The ACRLF is created to provide a public benefit to small and medium-sized local businesses engaged in trade, industry, and commerce to address the economic shock to the business ecosystem and disaster caused by COVID-19 in the City of Atlanta. During the COVID19 disaster and similar periods, ADA intends to help eligible businesses retain jobs.

Financial and technical assistance of up to $5 million for small minority- and female-owned businesses relocating or expanding in the City of Atlanta. Offers financial and technical assistance to small minority- and female-owned businesses relocating or expanding in the City of Atlanta. Up to $5 million for job creation; $5.

5 million for public policy manufacturers; $4 million for NAICS Sector 31, 32 or 33 manufacturers. Based on 10-year Treasury Note Supporting job creation with gap funding from $100,000. Supports job creation by providing gap funding to small and medium-sized businesses creating new quality jobs.

Opportunity Loan Fund - 50% 3 to 7 years, (15 years for real estate) ½ of prime plus 2% (4% minimum) Citywide, with special consideration for businesses in Priority Areas. At least 5 quality jobs providing healthcare coverage Direct loans of up to $100K to businesses located within business improvement districts. Encourages the revitalization of targeted business districts and supports development in other eligible areas.

Direct Loans: $100,000 maximum Loan Participants: Not to exceed 10% of total financing Based on evaluation of cash flow statement. Business Improvement Districts Provides financial assistance to small businesses and start-up companies located within accelerators, incubators and co-working spaces in the City of Atlanta. 3 years with a six-month deferment before the first payment is due.

Must maintain a business location in the City of Atlanta. Provides funds for existing companies improving commercial property, purchasing equipment, furniture and fixtures, and paying off high-interest business debt. Funding for existing companies improving commercial property, purchasing equipment, furniture and fixtures, and paying off high-interest business debt.

$10,000 - $50,000; up to $30,000 can be used for working capital. Varies Between 3 and 7 Years Must be a recent graduate or attending a technical assistance program. Cleanup financing for eligible redevelopment products within the city limits.

The City of Atlanta - Invest Atlanta Brownfield Revolving Loan Fund (BRLF) Program provides financing for eligible brownfields clean-up projects within the Atlanta city limits. Brownfields Revolving Loan Fund (BCRLF) loans are available to qualified, suitable market- ready sites to appropriate developers and buyers.

The loans provided by the BRLF fund the remediation required for site cleanup, which then allow redevelopment projects to go forward. For full program information, please visit: Brownfield Revolving Loan Fund Loan terms will be based upon the borrower's needs, repayment ability and how much the borrower is financing. Repayment terms will be customized depending on the projects cash flow needs.

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. Generally, terms will be kept as short as practical in order to recycle funds.

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 rates will be established to meet the needs of borrowers while yielding income to support the administrative expenses of City of Atlanta BRLF.

The interest rate, as a general rule, will be less than or equal to the prime interest rate, but not less than zero percent. It is anticipated that loan rates will be between zero percent (0%) and the current market rate plus one hundred basis points. The prime rate shall be the prime rate quoted in the Wall Street Journal or the maximum interest rate allowed under State law.

The interest rate will be fixed for the term of the loan. The Brownfield Revolving Loan Fund is available in Targeted Communities within the City of Atlanta. The City of Atlanta and Invest Atlanta will focus its marketing activities on the Targeted Communities listed below in order to have a positive impact on these areas.

Further, Invest Atlanta, where possible will coordinate with the Phoenix Fund and Business Improvement Loan Funds to maximize financial impact when projects become eligible for multiple lender options. Targeted Redevelopment Corridors Donald Lee Hollowell Parkway Groundwork Atlanta (NPUs D and G) Atlanta Area Wide Planning Program Opportunity Zones - Downtown, Auburn Avenue, Lakewood Park, Metropolitan Village Dist. , Cleveland Ave.

Gateway and Southside Industrial Park. Receive up to $100,000 in low-interest loans to help your business obtain tangible assets like real estate. The Atlanta Recovery Loan Program (ARLP) offers low-cost loans to help small businesses grow ownership of tangible assets — a major challenge for diverse-owned small businesses — to help them build wealth and avoid displacement due to changing economic conditions.

For participation loans, the lesser of no more than 10% of total financing or $150,000 Businesses with fewer than 500 employees Partnerships or Sole Proprietorships Businesses in all commercial areas in the city of Atlanta, including those operating on City of Atlanta-owned property are eligible.

Purchase of commercial property and land Building office/store renovations Acquisition of office/store equipment and other fixed assets Working capital related to expansion of business Inventory, i.e., products and materials Receive up to $250,000 in down payment assistance to help your business acquire commercial property in Atlanta.

The Atlanta Commercial Down Payment Assistance Loan program supports local small businesses located in the city of Atlanta by offering low-interest financing to assist existing business owners acquire commercial property. The Program will provide a direct loan to applicants for up to 20% of commercial costs, not to exceed $250,000. All loans will have a six-month deferment before the first payment is due.

Loans shall be made for the purchase/acquisition and related renovations of a building zoned commercial within the city of Atlanta. Minimum of $25,000; Maximum of $250,000. Up to 10 years with a six (6) month deferment prior to the first payment; loan amortized over a 25-year period or equivalent of amortization schedule for standard commercial loans.

There is no pre-payment penalty for paying off loans early. Any loan recipient that maintains ownership over 10 years shall have the option of having the remaining loan balance amortized based upon a 15-year period at a 3% interest rate. After 10 years of consistent payments and meeting claw back provisions, the business can apply to convert the loan to a grant.

For-profit corporations, partnerships, or sole proprietorships: Be an existing small business with a City of Atlanta business license Be an existing small business interested in acquiring commercial real estate in the city of Atlanta with emphasis in low-income census tracts, Federal Opportunity Zone areas, disadvantaged neighborhoods, or a New Markets Tax Credit approved area neighborhood Demonstrate growth potential in their industry Be current with all personal and business debt when applying for financing Plan to occupy 50% or more of the purchased building Non-profit organizations:​​ Satisfy the criteria for for-profit corporations, partnerships, or sole proprietorships Derive 51% or more of their revenue from for-profit activities Satisfy the criteria for for-profit corporations, partnerships, or sole proprietorships Derive 51% or more of their revenue from food sales Receive up to $150,000 in low-interest loans to help your startup acquire new assets or update existing assets.

The Atlanta Startup Growth Loan Program offers loans from $50,000 - $150,000 to help startups gain momentum and grow through the purchase and acquisition of assets. It provides funding to startups that have a clear demonstrated need for funding, in addition to a dedication to solving a critical problem through technology that impacts society. The Program will provide a direct loan to applicants.

All loans will have a six-month deferment before the first payment is due. Loan funds can be used for acquiring new assets or updating existing assets. Specifically, funds can be used for technology, inventory, the purchase or renovation of commercial space within the city of Atlanta, machinery and equipment, furniture and fixture, and signage.

Up to 20% of loan funds can be used for other working capital expenses. Working capital uses should be considered for funding only in support of the tangible asset purchase or update. Examples of how you might use the loan: Expand existing operations.

Renovate or purchase commercial real estate space. Purchase inventory or equipment (e.g., point of sales/POS system). Product development, engineering, and infrastructure (updates to software).

Minimum of $50,000; Maximum of $150,000. Up to 5 years with a six (6) month deferment prior to the first payment. Loan terms cannot exceed the lease terms.

No collateral required; however, it is encouraged to strengthen application. No personal guarantee required. For-profit corporations, partnerships, or sole proprietorships are eligible.

Applicants must meet all the following criteria: Be a startup, incorporated within the last 5 years, and have an active City of Atlanta Business License. Have a scalable high-impact solution within technology. Demonstrate growth potential in their sector (AI, SaaS, B2C, B2B, Sustainability- Manufacturing, Deep Tech, FinTech, etc.).

Be current with all personal and business debt when applying for financing. Operate from home, commercial space, incubator, accelerator, or co-working space in the city of Atlanta. Additional considerations: Have an interest in acquiring commercial real estate in the city of Atlanta, emphasis in low-income census tracts, State or Federal Opportunity Zone areas, disadvantaged neighborhoods, or a New Markets Tax Credit approved area.

Special emphasis on underrepresented founders. Applications are reviewed on a case-by-case basis and applicants; even those who may have credit challenges are encouraged to review their current situation with Invest Atlanta’s Small Business Finance team. We encountered an error.

Try Again. Business Retention and Expansion Foreign Direct Investment Innovation and Entrepreneurship Tax Allocation Districts (TADs) Federal Opportunity Zones Thanks for reaching out to us. Invest Atlanta will get back to you shortly.

Never display this again -->