Borrower Portal
Mission Driven Solutions Provider
In collaboration with our mission-driven funders and partners, Pathway Lending commits capital, coaching, and resources to expand access to opportunity for small businesses and under resourced communities across Tennessee. With a strong emphasis on rural areas, we leverage the proven CDFI model to fuel job growth, support wealth creation, and drive long-term prosperity.
Historic Lending Dollar Amount & Impact
As of 12/31/2024$1 Billion
in economic impact
$10,927
jobs
supported
2,589
multi-familyunits supported
1,563
businessessupported
Fund-Based Lending Impact
As of 12/31/2024TN SBJOF
Tennessee Small Business Jobs Opportunity Fund
The Tennessee small Business Jobs Opportunity Fund was launched to provide entrepreneurs with a new source of capital to scale their operations, generate new streams of revenue for the business, and create jobs and wealth in the communities in which they are located. During the COVID pandemic, the SBJOF served as a vital source of capital to keep small businesses in operation.
$157,917,267
Historic loan amount582
Total loansTN ROF
Tennessee Rural Opportunity Fund
The Tennessee Rural Opportunity Fund was launched to address access to capital issues identified as major challenges for rural small business owners. These small business loans to support the rural entrepreneurs and businesses that play a particularly vital role in the economic and social well-being of their communities.
$64,258,298
Historic loan amount355
Total loansSCC RLF
Southeast Community Capital Revolving Loan Fund
This program provides 1 percent low-interest loans to local lenders or “intermediaries” that re-lend to businesses to improve economic conditions and create jobs in rural communities.
$28,377,889
Historic loan amount234
Total loansSBA
Small Business Administration
Created in 1953, the U.S. Small Business Administration (SBA) continues to help small business owners and entrepreneurs pursue the American dream. SBA is the only cabinet-level federal agency fully dedicated to small business and provides counseling, capital, and contracting expertise as the nation’s only go-to resource and voice for small businesses.
$9,503,191
Historic loan amount462
Total loansNOF
Nashville Opportunity Fund
Launched in June 2002, the Nashville Opportunity Fund was envisioned as a tool to bring capital solutions to under-invested commercial corridors. The NOF supports diverse entrepreneurs in their efforts to create safer and more economically vibrant communities that deliver residents a broader range of quality goods and services.
$46,464,058
Historic loan amount347
Total loansMSBOF
Memphis Small Business Opportunity Fund
The Memphis Small Business Opportunity Fund was created to strengthen region’s entrepreneurial ecosystem and develop community wealth, for both business owners and the people they employ. Here, capital and technical assistance combine to move clients from ideation and startup, to scaling, sustaining and exit.
$20,416,414
Historic loan amount135
Total loans865 OF
865 Opportunity Fund
Launched in June 2004 and rebranded in 2022, the 865 Opportunity Fund originally set out to finance technologies developed in the Oak Ridge National Laboratories. The fund has since evolved to improve access to capital for area small businesses, particularly those led by minority or woman business owners.
$15,604,418
Historic loan amount86
Total loansCSBOF
Chattanooga Small Business Opportunity Fund
Launched in June 2021, the Chattanooga Small Business Opportunity Fund is a new $7.5 million loan fund that seeks to advance an inclusive recovery and improve access to capital for area small and minority-led businesses, particularly borrowers who may not qualify for a conventional bank business loan.
$2,109,383
Historic loan amount19
Total loansASBOF
Alabama Small Business Opportunity Fund
This fund provides loans to underserved small businesses in Alabama. Funded through a grant from the CDFI Fund and in conjunction with the ARC.
$6,403,899
Historic loan amount42
Total loansTN MF
Tennessee Affordable Multifamily Housing Loan Fund
The Tennessee Affordable Multifamily Housing Loan Fund offers a new source of long-term, permanent financing to acquire, develop, rehab, or refinance affordable and mixed-income multi-family housing. Eligible projects must meet affordability standards and can include family, elderly and special needs housing communities.
$5,936,000
Historic loan amount12
Total loansTN SBJOF
Tennessee Small Business Jobs Opportunity Fund
The Tennessee small Business Jobs Opportunity Fund was launched to provide entrepreneurs with a new source of capital to scale their operations, generate new streams of revenue for the business, and create jobs and wealth in the communities in which they are located. During the COVID pandemic, the SBJOF served as a vital source of capital to keep small businesses in operation.
$157,917,267
Historic loan amount582
Total loansTN ROF
Tennessee Rural Opportunity Fund
The Tennessee Rural Opportunity Fund was launched to address access to capital issues identified as major challenges for rural small business owners. These small business loans to support the rural entrepreneurs and businesses that play a particularly vital role in the economic and social well-being of their communities.
$64,258,298
Historic loan amount355
Total loansSCC RLF
Southeast Community Capital Revolving Loan Fund
This program provides 1 percent low-interest loans to local lenders or “intermediaries” that re-lend to businesses to improve economic conditions and create jobs in rural communities.
$28,377,889
Historic loan amount234
Total loansSBA
Small Business Administration
Created in 1953, the U.S. Small Business Administration (SBA) continues to help small business owners and entrepreneurs pursue the American dream. SBA is the only cabinet-level federal agency fully dedicated to small business and provides counseling, capital, and contracting expertise as the nation’s only go-to resource and voice for small businesses.
$9,503,191
Historic loan amount462
Total loansNOF
Nashville Opportunity Fund
Launched in June 2002, the Nashville Opportunity Fund was envisioned as a tool to bring capital solutions to under-invested commercial corridors. The NOF supports diverse entrepreneurs in their efforts to create safer and more economically vibrant communities that deliver residents a broader range of quality goods and services.
$46,464,058
Historic loan amount347
Total loansMSBOF
Memphis Small Business Opportunity Fund
The Memphis Small Business Opportunity Fund was created to strengthen region’s entrepreneurial ecosystem and develop community wealth, for both business owners and the people they employ. Here, capital and technical assistance combine to move clients from ideation and startup, to scaling, sustaining and exit.
$20,416,414
Historic loan amount135
Total loans865 OF
865 Opportunity Fund
Launched in June 2004 and rebranded in 2022, the 865 Opportunity Fund originally set out to finance technologies developed in the Oak Ridge National Laboratories. The fund has since evolved to improve access to capital for area small businesses, particularly those led by minority or woman business owners.
$15,604,418
Historic loan amount86
Total loansCSBOF
Chattanooga Small Business Opportunity Fund
Launched in June 2021, the Chattanooga Small Business Opportunity Fund is a new $7.5 million loan fund that seeks to advance an inclusive recovery and improve access to capital for area small and minority-led businesses, particularly borrowers who may not qualify for a conventional bank business loan.
$2,109,383
Historic loan amount19
Total loansASBOF
Alabama Small Business Opportunity Fund
This fund provides loans to underserved small businesses in Alabama. Funded through a grant from the CDFI Fund and in conjunction with the ARC.
$6,403,899
Historic loan amount42
Total loansTN MF
Tennessee Affordable Multifamily Housing Loan Fund
The Tennessee Affordable Multifamily Housing Loan Fund offers a new source of long-term, permanent financing to acquire, develop, rehab, or refinance affordable and mixed-income multi-family housing. Eligible projects must meet affordability standards and can include family, elderly and special needs housing communities.
$5,936,000
Historic loan amount12
Total loansHerb Byrd (Chair)
Ivanetta-Davis Samuels (Vice-Chair)
Leroy Abrahams
Andre Gist
David Berezov
Cindy Herron
Hugh Queener
Amazon Housing Equity Fund
Appalachian Regional Commission
Association of Women’s Business Centers
Bank of America Charitable Foundation
Benwood Foundation
Bobby Stone Foundation
Carsey School of Public Policy at the University of New Hampshire
Christian Brothers University
City of Chattanooga
Community Reinvestment Fund, Inc.
Epicenter Memphis
Fifth Third Foundation
Footprint Foundation
Hyde Foundation
Joe C. Davis Foundation
JPMorgan Chase Foundation
Kresge Foundation
Lyndhurst Foundation
Maclellan Foundation
Mascoma Community Development
Metropolitan Development & Housing Agency (Nashville, TN)
Metropolitan Government of Nashville & Davidson County
Metropolitan Nashville- Barnes Fund
PNC Foundation
Pointer Management
Regions Bank CDC
Regions Foundation
Robert (Bobby) Finley Stone Foundation
Tennessee Bankers Association
Tennessee Department of Economic & Community Development
Tennessee Department of Environment & Conservation
Tennessee Department of Revenue
Tennessee Department of Treasury Small and Minority-Owned Business Assistance Program
Tennessee Housing Development Agency
Tennessee Valley Authority
The Women's Fund, Community Foundation of Middle TN
Truist Capital Fund/The Winston-Salem Foundation
United Way of Greater Nashville
University of Tennessee
US Department of Agriculture
US Small Business Administration
US Department of Treasury Community Development Financial Institutions Fund
Wells Fargo Foundation
Yield Giving
Appalachian Community Capital
Andrew Johnson Bank
Bank3
Cadence Bank
CapStar Bank
CB&S Bank
Centennial Bank
Citizens Bank (Carthage)
Citizens Bank (Elizabethton)
City National Bank
Commercial Bank and Trust
Decatur County Bank
F&M Bank (Clarksville)
First Citizens National Bank
First Farmers & Merchants Bank
First Horizon
FirstBank
INSBANK
Legends Bank
Macon Bank and Trust Company
McKenzie Banking Company
Opportunity Finance Network
Paragon Bank
Peoples Bank of Alabama
Pinnacle Bank
PNC Bank
Regions Bank
Renasant Bank
Security Bank and Trust Company
Simmons Bank
Synovus Bank
TriStar Bank
Truist Bank
Truxton Trust
United Community Bank
US Bank
Veteran Loan Fund, LLC
Wells Fargo Bank
Wilson Bank & Trust
Partners & Impacts
To get involved, contact Clint Gwin or Hank Helton at (615) 425-7171
