BrightBridge is a Community Development Financial Institution (CDFI). We maintain a portfolio of commercial loan programs that aim to meet the unmet capital needs of startup and existing businesses in our service area. The loan programs are distinctive in their purpose, borrowers, and terms. After learning more about your businesses and goals, one of our team members will help you identify the program that is the best fit for your capital needs. Our loan programs are listed here.

SBA Community
Advantage Program

Provides small and startup businesses that are unable to obtain financing from traditional commercial lenders due to policy screenouts with loans to be used for working capital, fixed assets (land, land improvements, building construction, purchase of buildings, and renovation of buildings, machinery, or equipment), or debt refinancing.

SBA 504 Program

Provides businesses with inadequate access to conventional financing 
with loans to be used for fixed assets (land, land improvements, building construction, purchase of buildings, and renovation of buildings, machinery, or equipment). These loans are made in conjunction with commercial lenders taking senior positions to the 504 subordinate position.

CDFI Program

Provides businesses located in CDFI-designated low-income census tracts or owned by members of a targeted population, which includes low-income persons and eligible minorities, with loans that can be used for most business purposes, including working capital, fixed assets, and others. We will provide economic development organizations with cost effective capital to relend, participate with commercial lenders to expand their capacity, and make direct loans.

New Markets
Tax Credit

Provides financing for projects sponsored by non-profit and for-profit businesses that have a funding gap and are located in highly-distressed, low income census tracts. These projects must generate significant positive impacts, such as job creation or community service provision, for the communities in which they are located.

USDA Intermediary
Relending Program

Provides small and startup businesses that are unable to obtain financing from traditional commercial lenders loans to be used for fixed assets (land, land improvements, building construction, purchase of buildings, and renovation of buildings, machinery, or equipment).

EPA Brownfield
Revolving Loan Fund

Provides loans to individuals or businesses to finance the cleanup of an environmentally-contaminated site in Chattanooga, TN.

HUD 108
Loan Program

Provides loans as gap financing for small businesses in the City of Chattanooga whose job creation will include a minimum of 51% to low and moderate income individuals.