Due to COVID-19, our offices are temporarily closed but our staff continues to work remotely and will be available by email and phone to assist you.

How to Apply

Thank you for your interest in our affordable financing products.  Please review the required documentation below and, when you are ready to apply, contact Ron Fisher at rfisher@carolinasmallbusiness.org or 704-412-7031 x 302 for more information.

For businesses operating for at least two years:

Micro Loan (< $50,000)

  • Business and Affiliate(s) Tax Returns – most recent 1 year
  • Interim Income Statement – within 90 days
  • Interim Balance Sheet – within 90 days
  • Debt Schedule – Current
  • Financial Projections – Must include assumptions to projections

 Conventional Business Loan (> $50,000)

  • Business and Affiliate(s) Tax Returns – most recent 3 years
  • Interim Income Statement – within 90 days
  • Interim Balance Sheet – within 90 days
  • Debt Schedule – Current
  • Financial Projections – Must include assumptions to projections
  • Accounts Receivable and Accounts Payable Aging Report – within 90 days

For businesses operating less than two years or without revenue of any kind:

 Micro Loan (< $50,000)

  • Business Plan
  • Financial Projections – Must include assumptions to projections
  • Business and Affiliate(s) Tax Returns – most recent 1 year
  • Income Statement – within 90 days
  • Balance Sheet – within 90 days
  • Debt Schedule – Current

Conventional Business Loan (> $50,000)

  • Business Plan
  • Financial Projections – Must include assumptions to projections
  • Business and Affiliate(s) Tax Returns – most recent 3 years
  • Income Statement – within 90 days
  • Balance Sheet – within 90 days
  • Debt Schedule – Current
  • Accounts Receivable and Accounts Payable Aging Report – Current

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

Success Stories

One of the most rewarding things about working at the Carolina Small Business Development Fund is being able to see people realize their dreams.

Read Stories