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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.

Loan Products


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

  • Technical assistance and business 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 request for counseling with a member of our Business Solutions Team to discuss options and review your eligibility.


To request business solutions counseling, please complete our request for counseling form. Please note that the business solutions request is NOT the loan application. 



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. Your Business Solutions Officer will work with you throughout the application process.


If you have questions about your documentation or our financing process, please contact your Business Solutions Officer. 


Review Additional Business Resources

While our Business Solutions team works with you on your loan application, we encourage you to check out our additional program offerings that help support entrepreneurs from all walks of life.

Loan Inquiry


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.

Rural Microentrepreneur Assistance Program 

We're happy to offer qualifying rural businesses with an RMAP micro loan. These loans will be available while supplies last for eligible small business owners in USDA Rural areas. RMAP loans are available up to $50,000 with a 7% interest rate. Check your eligibility here.


Core Loan Product

Our core loan product is available for both emerging and established businesses in all 100 North Carolina counties. We offer term loans 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

The communication was very clear. The people were very patient. It was helpful to have people who understood how much we had going on. The loan helped us to bridge gaps, expand our staff, and increase our payroll. It helped ease the heaviness of the pandemic."



- Josephine McCrann, Threehouse Studios

Already a borrower?

Visit our CSBDF Borrower Portal to access your account information, statements, update ACH settings, and more!

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