your Pathway to Financial Growth
Where business growth meets personalized solutions, as your dedicated partner on your business journey, we go beyond traditional lending. Our commitment is to unlock opportunities that resonate with your unique aspirations and financial goals.
Loan Readiness Quiz
Ready for a business loan
If you're thinking about a lending solution, Pathway can help you get prepared for the lending process.
- What type of loan is right for you?
- Are you prepared for the loan application process?
- Do you have all the required documents ready?
Browse Lending FAQ's in the Help Center
Let's get you ready
Pathway Lending is not a bank. We are a Community Development Financial Institution. We lend to businesses in communities where capital can have a real impact! We lend to create and support communities and, therefore, may not be as rigid as a bank when it comes to approving business loans.
We make it as easy as...
It's about your experience
One of the first things we ask potential loan clients is, "What experience do you have that is relevant to this business?" We look for industry experience and skill sets that are a match to the business model.
Your credit score
A credit score is an important factor when it comes to lending. Credit scores reflect how well you manage your money—namely, debt. Our loan clients typically have a credit score above 580.
Credit Score
Your Business Plan
More than a document, a Business Plan shows us you have done your homework. It also helps us understand your business model, and allows us to validate your market research and financial forecasts.
Do I need a Plan?
How will you use the money
A fundamental question needs answering regarding a business taking on debt. Surprisingly, our lenders share that most business owners do not have the required specificity in their answers. Our lenders also share that it is not uncommon for business owners to outright not know the answer to this question (i.e., they had not thought about it prior to inquiring about a loan). There are three core things lenders are looking for when asking this question. If you think you have a clear answer, take our readiness quiz to see what a coach thinks!
Loan Readiness Quiz
Prepare For Growth
Growth
Although there are a lot of complexities in your business and lending, if you were to distill down what lenders are looking for, the answer is growth. Will this capital help your business grow?
Maximizing
Profitability
To take growth one-step further, really what a lender is looking for is profitable growth. Why? A profitable business can repay debt! A healthy growing business is a profitable business.
Consistent
Return
Return on Investment (ROI) is something business owners understand. Think of a lender's role when analyzing your answer to this question; they're translating your answer into "What is the return?" Both in terms of business growth and reducing the risk of losing money on a loan.
We're committed to securing your business's growth capital
Pathway Lending supports business opportunities with various loans and lines of credit. Our loans range from $5,000 to $5 million, featuring higher loan-to-value ratios (up to 100%), longer terms and payback periods, and more reliance on your opportunities, instead of just your historical performance.
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Pathway coaches are here to help you prepare
Pathway coaches are experts in their field—former executives, CPA's, and more with expertise ranging from accounting to sales & marketing. We're ready to help you and your business start and grow!
Connect With Coaches