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Our Story

Carolina Small Business Development Fund creates economic opportunities across North Carolina.
We support communities by helping entrepreneurs build the businesses of their dreams.

We are dream catchers.

Our Story


Your journey begins here. But It's not just a loan. You’ll gain access to capital, the skills to manage debt and build credit, and resources for financial education. To apply for a loan, please complete our online application.

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Dream Big Small Business Competition

Apply to qualify for a loan with Carolina Small Business Development Fund. Five finalists will be selected to participate in an online voting competition where the winner will receive full project financing and free professional support services!

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Western Women's Business Center

The mission of the Western Women’s Business Center is to provide capital, high quality technical assistance, and programs that reduce barriers and serve as a catalyst to the success of women entrepreneurs in Western North Carolina.

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Programa Empresarial Latino

Nuestra misión es proporcionar servicios de préstamos, asistencia técnica y herramientas de gestión empresarial a los empresarios hispanos y la comunidad latina en Carolina del Norte; en especial a aquellos que están social o económicamente en desventaja o desatendidos.

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Eastern Women's Entrepreneurship Center

The Eastern Women’s Entrepreneurship Center (EWEC) was created through a partnership between Carolina Small Business Development and Elizabeth City State University to provide an ecosystem of support to female entrepreneurs that will provide sustainable growth and job creation in Northeastern North Carolina. The mission of the EWEC is to provide capital, high-quality technical assistance, and programs that reduce barriers and serve as a catalyst to the success of women entrepreneurs in Northeastern North Carolina.

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Innovation and Entrepreneurship Center

Carolina Small Business Development Fund in partnership with Shaw University has established an Innovation and Entrepreneurship Center in Southeast Downtown Raleigh. The Center’s purpose is to: inspire, connect, encourage, and support startups, students and existing entrepreneurs.

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OWL Bakery

In August 2014, Gebhart opened the retail storefront of OWL (Old World Levain) Bakery on Haywood Street in West Asheville. At first, Gebhart was somewhat naïve about how to run a business, but she jumped in feet first and began learning as much as she could. Recognizing her focus would be best utilized creating an excellent product, she knew she would need bookkeeping, cash flow help, and a loan. Therefore, she contacted the Carolina Small Business Development Fund and the Western Women’s Business Center (WWBC).

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First Tennessee Bank Invests $500,000 in Carolina Small Business Development Fund

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Carolina Small Business Staff Spotlight: Arkela Black-Wills

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General Assembly reviews county tier rankings

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Our Lending Impact

$45.5 Million

Total investment since 2010


Total loans for start-ups and existing businesses


Total jobs created or maintained