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Carolina Small Business Development Fund provides financing solutions and guidance to help entrepreneurs achieve their business goals. If you are looking to start or expand your business, we offer loans that are designed to meet your needs.


  • Loans up to $350,000 in a wide range of industries and with flexible terms to meet your needs. 

  • Technical assistance and businesses needs assessments. 

  • SBA Community Advantage Lending, as well as other specialized loan programs and products. 


To ensure that entrepreneurs receive the best possible financing for their business needs, we require interested applicants to complete a consultation with a member of our Business Solutions Team to discuss options and review your eligibility. To request a business solutions consultation, please complete this form.



Gather Your Information and Apply

Once you have completed your business consultation, you will need to gather and submit any required documentation. Documentation needs may vary based on your loan; required documents may include but are not limited to: personal and federal tax returns, financial statements, business plans, and resumes of key management. If you have questions about your documentation, please contact your Business Solutions Officer. 


Review Additional Business Resources

We are proud to offer additional technical assistance, business assessments, and digital training courses to support entrepreneurs throughout the life of their loan. 


Carolina Small Business is a statewide nonprofit and Community Development Financial Institution (CDFI). We lend to start-ups and existing businesses across the state, with emphasis on businesses that have difficulty accessing financing through traditional lending sources. Learn more about our core loan products.

Special Loan Products

Carolina Small Business Development Fund is a proud partner of county and municipal governments, and offers the following financing opportunities on their behalf:

Durham Small Business Opportunity Loan Fund

In partnership with CSBDF, the City of Durham and Durham County have established the Durham Small Business Opportunity Loan Fund to support Durham County-based small businesses. CSBDF is the administrator of this program Learn more about the Fund, business eligibility, and required documentation here.

Meck Lending

In partnership with Mecklenburg County, CSBDF offers financing that aims to empower entrepreneurs to grow their businesses. The maximum loan amount for this program is $75k. Learn more about Meck Lending, business eligibility, and required documentation here.


Core Loan Product

Our core loan product is available for both emerging and established businesses in all 100 North Carolina counties. We offer both term loans and lines of credit, with a maximum loan amount of $350,000 and flexible repayment terms. If you would like to apply for our core loan product, please complete the required business consultation form.

Carolina Small Business Development Loan

  • For emerging entrepreneurs and established businesses

  • Statewide

  • All industries, excluding sin businesses

Thanks to Carolina Small Business, I have the resources I need to grow my business and I am comfortable knowing I have a resource helping me. Carolina Small Business is a part of my journey and challenges me to build my weak areas and helps me to build my account finances.


- Jimmy Price, A Step Above Cleaning Service