Loan type × state · TN
CDFI small business loans in Tennessee
17 certified CDFIs that serve Tennessee describe small business loans on their own websites: 15 headquartered in Tennessee and 2 based elsewhere whose stated service area includes Tennessee. 12 national lenders with the same product are listed separately. Lender websites read 29 Oct 2026–4 Nov 2026.
- Lenders
- 17
- Based in TN
- 15
- Based elsewhere
- 2
- National
- 12
Counted from each lender's own website: a lender is listed when it describes small business loans on a page we read and is headquartered in Tennessee or names Tennessee, or a county or town in it, as its service area. 13 other verified lenders that serve Tennessee did not mention small business loans on the pages we read, and 13 lenders headquartered here have no verified data yet. Not mentioned does not mean not offered. A listing is not an offer: ask the lender.
What these 17 lenders say
Lender websites, 29 Oct 2026–4 Nov 2026| Lender types | 6 loan funds, 2 credit unions, 7 banks or thrifts, 2 bank holding companies |
|---|---|
| Largest amount stated | 1 lender state a maximum: median $500,000, range $500,000 to $500,000 |
| Borrower focus stated | Low- and moderate-income / underserved (2), Minority / BIPOC (1), Startups (1) |
| Online application link found | 8 of 17 |
| Service area stated on their site | 9 of 17 |
See also all 41 CDFIs headquartered in Tennessee, CDFI small business loans in every state.
Headquartered in Tennessee (15)
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loans
If you have a side hustle, microenterprise, or small business with positive cash flow (you’re making money) and have a credit need, BetterFi may be able to assist.
Verified - Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…
Working Capital Loans
Verified - Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…
Get competitive rates for a variety of business expenses
Verified - Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loans
We offer a wide range of loans to fuel your business’s growth and future prosperity.
Verified - Cumberland Capital PartnersLoan fund · Cookeville, TNCommercial real estate loans, Equity / venture investment, Small-business loans
We provide business financing for the purpose of expansion, working capital, equipment purchase or rental, or commercial real estate development or improvement.
Verified - Decatur Bancshares, Inc.Bank holding company · Decaturville, TNAuto / vehicle loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Do you need a banking partner to help your business thrive?
Verified - Decatur County BankBank or thrift · Decaturville, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…
To assist your business with its cash flow, Decatur County Bank now offers accounts receivable financing.
Verified - Employee Resources Credit UnionCredit union · Lawrenceburg, TNAuto / vehicle loans, Home mortgages, Small-business loans
Loans for business account holders include real estate, new and used auto, equipment, and credit cards.
Verified - River City Capital Investment, LLC.Loan fund · Memphis, TNCommercial real estate loans, Equipment loans, Small-business loans
Businesses with at least 1 year in operations
Verified - The First National Bank of OneidaBank or thrift · Helenwood, TNCommercial real estate loans, Equipment loans, Home repair / improvement loans, Home mortgages…
First National Bank offers a variety of business lending services including:
Verified - Three Roots CapitalLoan fund · Knoxville, TNCommercial real estate loans, Equity / venture investment, Affordable housing development loans, Microloans…
Commercial loans are focused on impacting communities by creating jobs, delivering commercial goods & services, affordable housing, and supporting community facilities.
Verified - UNION BANKBank or thrift · Jamestown, TNHome mortgages, Personal / consumer loans, Small-business loans
At Union Bank we offer lots of loan options for small to larger businesses.
Verified - Wayne County Bancshares, Inc.Bank holding company · Waynesboro, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…
Competitive rates for a wide range of business expenses
Verified - Wayne County BankBank or thrift · Waynesboro, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…
Competitive rates for a wide range of business expenses
Verified - Y-12 Federal Credit UnionCredit union · Oak Ridge, TNAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…up to $500,000
A Y-12 Business Installment/Term loan is a secured fully amortized loan up to $500,000 for small businesses.
Verified
Based elsewhere, say they serve Tennessee (2)
Their own website names Tennessee, or a county or town in it, in its service area.
- Culleywood Capital LLCLoan fund · Jackson, MSAffordable housing development loans, Nonprofit / community facility loans, Small-business loans
but over time, Culleywood expanded to include lending to small businesses, community facilities, and housing in response to needs identified in GMD communities.
Service area: Greater Mississippi Delta: Mississippi, Arkansas, Louisiana and TennesseeVerified - LiftFund, Inc.Loan fund · San Antonio, TXCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
SBA 504 Small Business Loans
Service area: Community Advantage loans: AL, AR, CA, FL, GA, KY, LA, MS, MO, NM, NY, OK, SC, TN, TX (per site)Verified
National lenders (12)
These lenders say they lend nationwide and do not exclude Tennessee. They are not counted above.
- Bridge Investment Community Development CorporationLoan fund · Rock Island, ILAffordable housing development loans, Microloans, Small-business loans
We offer flexible loans designed to help small businesses in low-income communities get the funding they need to start, grow, or keep going strong.
Verified - Business Consortium Fund, Inc.Loan fund · New York, NYSmall-business loans
Business Term Loan • Receive funds as a one-time lump sum for larger investments in your business
Verified - Five Points Community Capital, LLCLoan fund · Austin, TXAffordable housing development loans, Small-business loans
Products include providing capital directly, or through CDFI intermediaries, to businesses in low-income communities.
Verified - Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loans
We specialize in delivering flexible and patient debt and equity to underserved small-medium growth ready businesses throughout the country.
Verified - Grow America Fund, Inc.Loan fund · Boston, MASmall-business loans
We seek to fuel that growth by supporting eligible small businesses that have needs beyond a conventional lender’s profile.
Verified - Local Initiatives Support CorporationLoan fund · New York, NYChild-care facility financing, Affordable housing development loans, Nonprofit / community facility loans, Small-business loans
LISC provides financing to small businesses in low- and moderate-income communities and businesses owned by individuals who have struggled to access capital.
Verified - NDC Community Impact Loan FundLoan fund · Boston, MASmall-business loans
We seek to fuel that growth by supporting eligible small businesses that have needs beyond a conventional lender’s profile.
Verified - National Community Investment FundVenture capital fund · Chicago, ILAffordable housing development loans, Small-business loans
We provide flexible capital to high-impact businesses, helping them grow and strengthen local economies.
Verified - REDF Impact Investing FundLoan fund · San Francisco, CACommercial real estate loans, Small-business loans$100,000 to $1M
RIIF offers term loans, bridge loans, and lines of credit ranging from $100,000 to $1 million, with flexibility to respond to borrower capital needs.
Verified - Shared Capital CooperativeLoan fund · Saint Paul, MNCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loans$5,000 to $1M
Loans of $5,000 to $1,000,000 are available for one to ten years.
Verified - UPI LOAN FUNDLoan fund · Chandler, AZPersonal / consumer loans, Small-business loans
Small business loans helping entrepreneurs in underserved communities start, sustain, and grow with fair, affordable terms through the UPILF/MMG Institutional Alliance.
Verified - Urban Strategies IncLoan fund · Saint Louis, MOMicroloans, Small-business loans
USI looks at the whole picture when deciding to lend our small business and microloans rather than focusing solely on credit.
Verified
County pages in Tennessee with these lenders
Number of lenders above that name the county (or a town in it) on their website or are headquartered there.
Other loan types in Tennessee
CDFI small business loans in other states
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement. Disclaimer.
Source: CDFI Atlas, cdfiatlas.com/states/tn/small-business-loans/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).