River City Capital is Memphis' community development finance platform and fund manager. We work with entrepreneurs, emerging developers, entrepreneur hubs, municipalities, and other partners to align capital, technical assistance, and local investment strategy. Through staged capital and strategic partnership, we help businesses and projects prove, build, scale, and sustain while strengthening neighborhood corridors and broader community outcomes.

Yes, we serve the Shelby County area which includes the greater Memphis, TN area with a specific focus on low to moderate income areas of the city.

Our process starts by clicking the “Apply For Capital” button. You’ll complete a comprehensive form telling us more about your business and your needs. Our lender will contact you to discuss your business further to determine which loan product is best for you.

If we determine you’re loan capital ready we will provide you the link for our loan application process. If we determine with you that you can use support to become loan capital ready, we will connect you with our business support platform and subject matter experts to provide you the resources needed.

You’ll need basic business and financial documents such as bank statements, tax returns, business formation documents, and a valid ID. Additional documents may be requested based on your loan type and business profile.

We evaluate six (6) key areas of a loan applicant to determine the businesses’ ability to obtain and repay a loan request. Specifically we look at community impact, debt to income, debt to assets, available cash, available collateral as a secondary source of repayment, and personal credit history.

From that evaluation we determine in underwriting whether we will approve, decline, or counteroffer the loan application.

At this time no, we do not provide loan capital for non owner occupied real estate investment as a landlord. We can help you connect with the dozens and dozens of lenders who specialize in that space.

River CIty Capital has a proven track record of providing low cost capital to entrepreneurs in Memphis, TN through an array of custom tailored loan products. Banks and financial institutions benefit directly from our double bottom line approach. As a qualifying activity for CRA, banks receive CRA exam credit and positive financial return for helping us build disinvested communities through small business development. In addition, banks are able to purchase our LMI small business loans in a streamlined fashion.

Visit the Donate tab to learn more about how your in-kind gift directly supports our programs providing readiness for and access to capital for entrepreneurs in Memphis.