APPLY FOR FUNDING FOR YOUR BUSINESS, WITH INTEREST RATES STARTING AT 4%
LENDING OPTIONS
River City Capital launched in November 2010 as an affiliate of Community LIFT. River City is a local Community Development Financial Institution (CDFI), certified by the U.S. Department of Treasury. CDFIs expand access to small business capital, credit, and technical assistance in underserved and previously disinvested communities. We lead the way in the Memphis-Shelby County area with a neighborhood-level economic development approach.
Our loan options are custom tailored to meet your lending needs both now and into the future whether as a startup or an existing business. We invite you to complete our streamlined application today! Let's unlock more for your business to grow and prosper!
LOAN APPLICATION REQUIREMENTS
Copy of valid state issued driver's license
Two years of tax returns (business & personal)
Copy of business license
Loan amount requested (max loan request amount is $250,000)
Three (3) months most recent bank statements (business & personal)
Business structure document(s) - ex. LLC, Sole proprietor, C Corp, S- Corp, Nonprofit, etc.
Copy of the bill of sale (vehicle purchase requests)
Copy of the purchase agreement (real estate or equipment purchases)
Additional documentation may be requested contingent upon the nature of the loan request.
For each owner of your business with 20% or more ownership they will need to provide their state issued drivers license, bank statements, and tax returns as well.
If you have application questions, please contact our Portfolio Manager Amelia Crowley at amelia@rivercitycapital.org or call us at 901-521-4232.
What Will You Use The Loan Funds For?
To Purchase Equipment And/Or Inventory
To Purchase A Vehicle Or Vehicles
To Provide Working Capital
To Purchase Owner Occupant Commercial Real Estate
To Support Cash Flow In My Business
Down Payment Support On A Community Project
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RIVER CITY LAUNCHPAD
Up to $50,000
For businesses at least 1 year in operations
Working Capital
Equipment Purchases
Vehicle Purchases
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RIVER CITY ACCELERATOR
Up to $250,000
For Businesses > 2 yrs
Working Capital
Equipment Purchases
Vehicle Purchases
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NEIGHBORHOOD IMPACT
Up to $250,000
For Local Neighborhood Organizations
Working Capital
Equipment Purchases
Vehicle Purchases
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CHART THE COURSE
Up to $250,000
For Local Charter Schools
Working Capital
Fund Upfront Expenses
Grow Student Enrollment
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RIVER CITY REAL ESTATE
Non Speculative Only (No Landlords)
Up to $250,000
For Acquisitions and Renovations
Up to 120 Month Terms
Owner Occupied Commercial & Community Based Projects
Up to 85% Loan to Value
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CONTRACTORS
Up to $250,000
For Contractors & Subcontractors
Fund Upfront Expenses
Compete For More Contracts
THE RIVER CITY CAPITAL ADVANTAGE
RISK FREE APPLICATION
Submit an application risk free and with no impact to your credit score.
QUICK, EASY PROCESS
Our simple application process helps you get funding quickly for your business.
PERSONAL TOUCH
An RCC representative will help you through the process to secure funding.