Are you ready for a business loan?
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.
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.
GrowthAlthough 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?
ProfitabilityTo 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.
ReturnReturn 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.
- Working capital
With a microloan, you are partnered with a Pathway coach who’ll help you navigate business decisions, finances, and effectively manage your loan.
- Cash on hand
- Growth funding
Designed to help with growing, developing, and sustaining business when conventional sources of capital are difficult to come by.
- 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.
- 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.
- 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.
- 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.
- 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.
- Ideal for developers
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.