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Financing for new business ventures and expansions is available from both traditional loan sources and the U.S. Small Business Administration. Our local bankers are looking for qualified borrowers with sound business plans. Please contact Economic Development if you have difficulty opening any of the links below.


SBA Loan Programs

The U.S. Small Business Administration offers a number of loan programs for businesses employing fewer than 500 staff. For more information about these programs or to find a local SBA lender, contact the Georgia District Office (404-331-0100). The Small Business Development Center in Kennesaw can also provide free guidance related to both SBA lending programs and traditional loans.

The 7(a) Loan Program offers financial help to companies who meet very specialized requirements. Veteran-owned businesses and businesses needing capital to support export activity may qualify for loans under this program.  

The Microloan Program provides short-term loans under $50,000. Funds can be used for working capital or the purchase of inventory, furniture, or equipment. Recipients may be required to take business or technical assistance training.

The CDC/504 Loan Program facilitates economic development in a community by providing small businesses with long-term, fixed-rate financing. Funds can be used to acquire major fixed assets for expansion or modernization. 


Smyrna Banks

Smyrna is fortunate to have a number of national and community banks that are ready to assist local business owners. Contact a local branch to learn more about its corporate accounts and services.

Bank of America boasts an award-winning online banking system and two Smyrna branches. Business banking and lending inquiries may be directed to Shamonda Gilbert (404-858-4079).

Chase is a national banking institution with a location at 4490 South Cobb Dr, next to the Publix on the East-West Connector.  

Community Bank of the South was founded in 1999 by local business people and community leaders. Today, the bank has four branches in Cobb County, including the headquarters at 3016 Atlanta Rd. 

5/3 Bank offers a full slate of banking services from its convenient location inside Kroger at 3240 South Cobb Dr.

Highland Commercial Bank is a full-service, privately held community bank. The Smyrna office at 1298 Concord Rd is one of two locations, and their personnel are able to respond quickly to loan requests.

PNC supports small businesses with customized solutions for cash flow and money management. Find two of PNC’s 2,900 branches at 4485 South Cobb Dr and 4500 South Cobb Dr.  

Regions offers advisory and financing services at its 888 Concord Rd location. A helpful business resource center is easily accessible online.

SunTrust Bank provides Smyrna clients with a full selection of technology-based banking channels, as well as its three local stores.

Wells Fargo has more stores than any other bank in the United States. In Smyrna, the bank has three offices and several ATMs.  


Peer-to-Peer Lending, Crowdfunding, and Microlending 

Considering alternative options to traditional bank financing such as peer-to-peer lending, crowdfunding, or microlending? These financing mechanisms use websites to match individual lenders and borrowers. A few popular sites are listed below, but remember that it is always a good idea to consult with your accountant or lawyer to avoid a bad deal or scam. is a White House campaign to promote high-growth entrepreneurship. The nonprofit organization identifies private-sector partners that will commit resources to help entrepreneurial companies start or grow.

Prosper claims to be the world’s largest peer-to-peer lending marketplace. It lets borrowers choose a loan amount between $2,000 and $25,000 and post a listing to its website. Individual lenders can browse listings and make investments as small as $25.

Lending Club is a peer-to-peer lending site that says it can offer better rates to borrowers by avoiding the higher administrative, marketing, and infrastructure costs built into the cost of traditional bank loans.

Kickstarter is a funding platform for creative projects in the fields of music, film, art, technology, design, food, and publishing. Post your project to the website and reward investors with products, benefits, or experiences.

Access to Capital for Entrepreneurs (ACE) provides loans to small businesses who lack access to traditional forms of credit. The micro-lending program specializes in loans less than $50,000 and often works in partnership with banks to meet “credit gaps.”



The Georgia State Small Business Credit Initiative has been allocated $48 million in Federal funds to facilitate small business lending. The program is being implemented by the Georgia Department of Community Affairs, and it works through traditional private lenders. For easier access to credit for most business expenses, ask your lender if they are participating in the program.

Revolving Loan Fund. The Georgia Cities Foundation offers a low-interest loan program for real estate acquisition, building rehabilitation, or new construction. Loans are administered through the local Downtown Development Authority, with amounts ranging from $50,000 - $250,000. The structure is a 50-40-10 split, with conventional lenders financing 50% of project cost, the RLF financing 40%, and applicant equity accounting for 10%. The interest rate is below market rate, and the repayment period is 10-15 years. Applications may be submitted at any time.