Borrower Portal
Funding that fits your business
You've got growth plans — we're here to help you fund them.
Pathway Lending offers financing built around your small business goals, so you can expand your reach, upgrade operations, or take on new opportunities. See if you're eligible for a loan with Pathway now!
Start your business assessment
Start your business assessment
Access lending solutions designed to help your business grow stronger, faster.
Access lending solutions designed to help your Tennessee business grow stronger, faster.
Know Before you borrow
At Pathway Lending, we're not just your lender, we're your partner. And as your partner, we want you to know what to expect every step of the way.Pathway Lending serves established Tennessee small businesses seeking to fund an opportunity to grow or expand. We specialize in working with borrowers in rural or low income areas, along with veterans and women entrepreneurs. Often, our clients are first-time borrowers who are building their financial relationships, seeking flexible repayment terms, or needing more capital than they have assets to secure.
Age of Business
At least one year.
Size of Business
Typically 5-10 employees, but our clients range from sole proprietors to major employers.
Experience
We strongly encourage borrowers to have a few years of experience in their business's industry.
We service loans starting at $5,000 in our Emerging Small Business Lending. We can also fund up to $5,000,000 for businesses with larger revenues.
We typically allow borrowers 3 to 5 years to pay back the loan, depending on use of funds.
Generally, rates for small business loans range from 12% to 15%, while commercial real estate loans typically start at 8%.
*Rates depend on factors including purpose, credit, collateral, cash flow, and time in business. Although some of our loan products prefer a credit score of 600 or higher, we look beyond the number. Our underwriting focuses on the business’s overall opportunity and capacity, allowing us to work with borrowers who may fall below that threshold.
We serve many industries, but we specialize in:
- B2B (Businesses who sell to other businesses)
- Professional Services
- Manufacturing
- Wholesale Companies
- Hospitality
- Retail
We cover a range of purposes, including working capital lines of credit and term loans for equipment and real estate.
This includes:
- Accounts Receivable
- Business Acquisition
- Debt Consolidation
- Sustainability
- Equipment
- Working Capital
- Growing Your Revenue
- Inventory
- Marketing
- Real Estate
The documentation that you will need to provide during the application process may vary based on the purpose and size of the loan.
For loans less than $100K
- Most recent full year business and personal tax returns
- Year-To-Date financial statements for the business
- Business debt schedule
- Personal financial statement
- Credit Bureau report
For loans $100K+
- 2-3 years of business and personal tax returns
- Year-To-Date financial statements for the business
- Business debt schedule
- Personal financial statement
- Credit Bureau report
- Other supporting documentation for the request (ex: invoices for equipment purchase, accounts receivable (A/R) reports if financing is to cover A/R, payoff statements for a refinance.)
Know before you borrow
At Pathway Lending, we're not just your lender, we're your partner. And as your partner, we want you to know what to expect every step of the way.Pathway Lending serves established Tennessee small businesses seeking to fund an opportunity to grow or expand. We specialize in working with borrowers in rural or low income areas, along with veterans and women entrepreneurs. Often, our clients are first-time borrowers who are building their financial relationships, seeking flexible repayment terms, or needing more capital than they have assets to secure.
Age of business:
At least one year.
Size of business:
Typically 5-10 employees, but our clients range from sole proprietors to major employers.
Experience:
We strongly encourage borrowers to have a few years of experience in their business's industry.
We service loans starting at $5,000 in our Emerging Small Business lending. We can also fund up to $5,000,000 for businesses with larger revenues.
We typically allow borrowers 3 to 5 years to pay back the loan, depending on use of funds.
Generally, rates for small business loans range from 12% to 15%, while commercial real estate loans typically start at 8%.
Rates depend on factors including purpose, credit, collateral, cash flow, and time in business. Although some of our loan products prefer a credit score of 600 or higher, we look beyond the number. Our underwriting focuses on the business's overall opportunity and capacity, allowing us to work with borrowers who may fall below that threshold.
We serve many industries, but we specialize in:
- B2B (business who sell to other businesses)
- Professional Services
Manufacturing
Wholesale Companies
Hospitality
Retail
We cover a range of purposes, including working capital lines of credit and term loans for equipment and real estate. This includes:
Accounts Receivable
Business Acquisition
Debt Consolidation
Sustainability
Equipment
Working Capital
Growing your revenue
Inventory
Marketing
Real Estate
The documentation that you will need to provide during the application process may vary based on the purpose and size of the loan.
For loans less than $100K
- Most recent full year business and personal tax return
- Year-To-Date financial statements for the business
- Business debt schedule
Personal financial statement
Credit Bureau report
For loans $100K+
2-3 years of business and personal tax returns
- Year-To-Date financial statements for the business
- Business debt schedule
Personal financial statement
Credit Bureau report
Other supporting documentation for the request (ex: invoices for equipment purchase, accounts receivable (A/R) reports if financing is to cover A/R, payoff statements for a refinance.)
What to Expect
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2
Application
If your results indicate you may be ready for a loan with Pathway, we'll connect you with a loan application. And if you are not quite loan-ready, we'll introduce you to Pathway Navigator, a resource hub full of tools, events, and peer groups to help your business grow.3
If you're application-ready
Submit your documentation
Depending on the loan product, you may be asked to submit additional documentation, including but not limited to tax returns, business debt schedule, and a business plan.
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We lend to businesses across the state of Tennessee
Shea Wood
Regional Director
Brian Bishop
Vice President, Lending
Trevor Bond
Assistant Vice President, Lending
Diego Eguiarte
Senior Vice President, Emerging Small Business Lending
Thomas Sheffield
Community Development Manager
Veronica Uribe
Community Development Manager
JeFreda Brown
Senior Business Advisor
Loren Dabbs
Commercial Loan Specialist II
Paige McVity
Regional Director
Kristina Head
Vice President, LendingChattanooga
Brandon Sams
Vice President, LendingKnoxville
Katie Hendrix
Community Development ManagerChattanooga
Ann Zack
Senior Business AdvisorChattanooga
Kristen Munson
Senior Business AdvisorKnoxville
Jowana Dunlap
Commercial Loan SpecialistKnoxville
We lend to businesses across the state of Tennessee
We have financed over
0
businesses.
We have financed over
0
businesses.
"As a minority-owned business just starting out, we were very thankful when Pathway Lending wanted to provide us with capital. It was pivotal that they took a chance on us."Memphis Tire Recyclers
"Pathway gave us the chance we needed to make it work and to prove that our business was worth something. They helped us in a financial way, but also lifted our spirits to know that somebody believed in us."Bradley's Gifts & Home
"This funding helped further our vision. The difference is that this building is finally mine."Trinity Way Enrichment Center
"Our business has been blessing homes for over 30 years and Pathway has played a significant role in changing lives and scaling our business."Catfish Moving Company
We have financed over
0
businesses.
We have financed over
0
businesses.
Our business has been blessing homes for over 30 years and Pathway has played a significant role in changing lives and scaling our business.Catfish Moving Company
This funding helped further our vision. The difference is that this building is finally mine.Trinity Way Enrichment Center
Pathway gave us the chance we needed to make it work and to prove that our business was worth something. They helped us in a financial way, but also lifted our spirits to know that somebody believed in us.Bradley’s Gifts & Home
As a minority owned business just starting out, we were very thankful when Pathway Lending wanted to provide us with capital. It was pivotal that they took a chance on us.Memphis Tire Recyclers
Funding built for your business needs
Every borrower starts with our Business Assessment. If your assessment indicates you may be eligible for funding, you’ll be connected to our loan application. You don’t need to know which loan fits your business—we’ll determine the product that best supports your goals once your application is submitted. Take a look at the loan products we offer, each designed to support entrepreneurs at different stages of growth.Accounts Receivable Financing
Leverage your accounts receivable
Unlock cash in accounts receivable
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.
Commercial Real Estate Loans
Purchase
Refinance
Owner-occupied real estate
Cash out options
This cost-conscious loan program, with higher loan to value ratios and extended amortizations, will reduce both upfront and ongoing real estate expenses.
Equipment Loans
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.
Propel Loan
Loans up to $100,000. Monthly payments, no automatic daily draws. Expedited funding and decisions in a few days after application completion. Created with first-time or credit-building borrowers in mind.
Revolving Lines of Credit
Access to a line of credit
Operate with cash on-hand
Pay for short-term debt and expenses
Starting at $100,000, this loan program 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.
Term Loans
Cash on-hand
Growth funding
Designed to help with growing, developing, and sustaining businesses when conventional sources of capital are difficult to come by, with loans starting as low as $5,000 to keep financing accessible.
Funding built for your business needs
Leverage your A.R.
Unlock cash in A.R.
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.
Purchase
Refinance
Owner-occupied real estate
Cash out options
This cost-conscious loan program, with higher loan to value ratios and extended amortizations, will reduce both upfront and ongoing real estate expenses.
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.
Loans up to $100,000. Monthly payments, no automatic daily draws. Expedited funding and decisions in a few days after application completion. Created with first-time or credit-building borrowers in mind.
Access to a line of credit
Operate with cash on-hand
Pay for short-term debt and expenses
Starting at $100,000, this loan program 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.
Cash on-hand
Growth funding
Designed to help with growing, developing, and sustaining businesses when conventional sources of capital are difficult to come by, with loans starting as low as $5,000 to keep financing accessible.
LendTN
Nearly $47MM is being allocated through the Fund Tennessee program to support small businesses and entrepreneurs. Through our participation in the LendTN program, we help make these dollars accessible statewide — providing small business owners, especially in under-served communities, with more tools to start and grow their ventures.
