Empowering
Small Businesses and
Entrepreneurs through
Accessible Lending.

Ready to grow? Fill out the form to discover how we can help you.

Baltimore Community Lending supports small business owners and entrepreneurs like you with affordable financing. Let us help you secure the funding you need to grow your business.

Get A Small Business Loan

What to expect

Personalized Support

Receive one-on-one
guidance to navigate the
loan application process confidently.

Business Planning Support

Business plan support that outlines your
goals and strategies, preparing you to
secure funding and succeed.

Tailored Financing Solutions

Access tailored lending solutions
designed specifically for startups
and established businesses.

Emerging Loans for startups, emerging or existing businesses.

  • $10,000-$50,000
    3-6 year terms

Growth Loans for entrepreneurs in business for at least two-years.

  • $50,000-$150,000
    5-10 year terms

Interest rates range from 7.25% – 9.25%

Funds made be used for business purposes only, such as:

  • to purchase inventory, supplies, and materials
  • to build-out a leased or owned business office or retail space
  • to purchase or lease furniture fixtures, machinery, and equipment
  • for operating capital
  • All owners of 20% or more of the business must sign a personal guarantee.
  • Borrowers cannot have a bankruptcy that was resolved less than two years ago.
  • Borrowers cannot have an outstanding debt to the IRS unless they have entered into a written repayment agreement with the IRS.

At BCL, we put a lot of focus on owner experience and the management team, especially for startups. Business and owner credit history matters, but we don’t have a credit score cutoff number—we look at the applicant’s whole story.

All businesses must submit a business plan and business financials, including tax returns and bank statements. Each business owner and guarantor must provide personal financials as well. We charge an application fee of $100, and a credit report fee of $40 for each owner and guarantor.

Fuel Your Small Business Growth with our Loans

Empowering Entrepreneurs, Enabling Success

Get A Small Business Loan