Are you ready for a business loan?

If you're thinking about a lending solution, Pathway wants to help you get prepared for the lending process. What type of loan is right for you? Are you prepared for the loan application process?
Loan Readiness QuizFind out if you're ready to apply.

We're ready to help you get 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 opportunities and therefore may not be as rigid as a bank when it comes to approving business loans. That said, we are a lender—and, we want to ensure a loan will help your business thrive.
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.
Credit Score
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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.

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.
Lending 101
How will you use the money?
There is a fundamental question that needs answering when it comes to 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 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 in asking this question. If you think you have a clear answer, take our readiness quiz to see what a coach thinks!
Loan Readiness QuizFind out if you're ready to apply.

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?

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.

Return

Return on Investment (ROI) is something business owners understand. Think of a lenders 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 the money on loan.

We believe in your business—and, we're dedicated to getting you the capital you need to grow.

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.
Microloans
  • Working capital
  • Equipment
  • Inventory

With a microloan, you are partnered with a Pathway coach who’ll help you navigate business decisions, finances, and effectively manage your loan.

Term Loans
  • Cash on hand
  • Growth funding

Designed to help with growing, developing, and sustaining business when conventional sources of capital are difficult to come by.

Equipment Loans
  • Purchase New Equipment
  • Purchase Used Equipment

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.

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.

Accounts Receivable Financing
  • 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.

Energy Efficiency & Renewable Loans
  • Overcome the upfront cost barriers

With up to 100% financing, including design and installation, you can quickly begin enjoying the benefits of energy efficiency in your facility.

Revolving Lines of Credit
  • Access to a line of credit
  • Operate with cash on-hand
  • Pay for short-term debt and expenses

This 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.

Affordable Multifamily Housing Loans
  • Ideal for developers
  • Acquisition
  • Development
  • Refinancing

Affordable Multifamily Housing Loans boost property financial performance and help provide safe, quality, affordable housing. This attractive and reliable source of long-term financing will expedite the development process.

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!
Meet All the Pathway Coaches!Browse profiles and expertise
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