Charlotte Business Loans

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North Carolina

Charlotte, North Carolina, is the most populous city in the Tar Heel State, with almost one million people. North Carolina is the United State’s fifteenth largest city and the county seat of Mecklenburg. The city is the cultural, economic, and transportation center of the Charlotte, NC metropolitan area. The metro area itself has over 2.6 million residents within its boundaries. The city is part of a sixteen-county market region or combined statistical area with a 2018 census population of over 2.8 million. Between 2004 and 2014, Charlotte ranked as America’s fastest-growing metro area.

The Charlotte Center city area has seen remarkable growth over the last decade. Numerous residential units are constructed continuously in Uptown, including over 20 skyscrapers under construction, recently completed, or in the planning stage. Many new restaurants, bars, and clubs now operate in the Uptown area. Several projects are transforming the Midtown Charlotte/Elizabeth area as well.

As you can imagine, Charlotte is a premier area for growing businesses. Advancepoint Capital is proud to offer business loans up to $1,000,000 for small businesses in the city of Charlotte. We understand that each business has different financial needs, which is why we offer a variety of loan products to fit your specific situation.

How Do I Get A
Small Business Loan in Charlotte?

Getting a small business loan when you're a new business owner can be a challenge. But don't worry, Advancepoint Capital is here to help you every step of the way. We have a wide variety of loan products available, so we're sure to have one that fits your needs.

Advancepoint Capital is a leading provider of small business loans in Charlotte, North Carolina. We are proud to offer a variety of loan products to fit the needs of any small business. Whether you are looking for a term loan to purchase equipment or real estate, or need working capital to help with day-to-day expenses, we have a loan solution that’s right for you.

To apply for a small business loan, simply fill out our online application. Once we receive your application, one of our loan experts will be in touch to discuss your financing options.

The 9 Best
Financing Options and Resources for
Charlotte Small Businesses

small business loan

Small Business Loans for
Charlotte, North Carolina

SBA Loan

SBA Loans in
Charlotte, North Carolina

Merchant Cash Advance

Merchant Cash Advance in
Charlotte, North Carolina

Small Business Cash Advance

Business Cash Advance in
Charlotte, North Carolina

Business Line of Credit

Business Line of Credit in
Charlotte, North Carolina

Equipment Financing

Equipment Financing for
Charlotte, North Carolina

Invoice Financing

Invoice Financing in
Charlotte, North Carolina

Short-Term Business Loan

Short Term Small Business Loans in
Charlotte, North Carolina

Long Term Business Loans

Long Term Business Loans for
Charlotte, North Carolina

north carolina resource guide

U.S. Small Business Administration

How to Grow Your Business in Charlotte, NC

View the North Carolina Small Business Resource Guide for information and assistance in growing your local business, exploring funding options, and contracting.

U.S. (SBA) U.S. Small Business Administration
Charlotte District Office

Find local assistance

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Why Do Charlotte Small Business Owners Need Financing?

The list of the most common reasons small business owners use business financing.

Working capital loans
Equipment purchase and equipment repair
Capital for inventory
Business plan expansion (capital for growth)
Capital for special projects
Cash flow shortages
Website development and website maintenance
Provide capital for a business emergency
Advertising and marketing to acquire customers
Jobs creation (employees) and employee training resources and expenses
Employee training resources and expenses
Commercial real estate for business

Initiatives, Programs, Capital, and Small Business Grants in Charlotte, North Carolina for Small Business Owners: Additional Resources, Support, and Information about Small Business Loans in Charlotte

Mecklenburg County’s Small Business Loan Program- This loan program is designed to support non-standard lending features and help small business owners in Charlotte, Mecklenburg County, access capital. This program makes loans of up to $75,000 at accommodating rates and terms available to qualified small and start-up businesses in Charlotte, Mecklenburg County.

Charlotte Business Community Resources- Almost all businesses require some form of financing. Regardless of what stage you are in – whether you’re just getting started or are a seasoned business owner – with a good business plan and experience as well as personal or business equity and collateral, there are resources available that may be able to help with financing your business.

Carolina Small Business Development Fund (CSBDF)- Carolina Small Business Development Fund provides financing solutions and guidance to help entrepreneurs achieve their business goals. When small business succeed, everyone benefits. But starting and maintaining a successful small business isn’t easy. Within a complex small business landscape, the Carolina Small Business Development Fund provides the tools and guidance that allow entrepreneurs to achieve their dreams. If you are looking to start or expand your business, the Carolina Small Business Development Fund offers loans designed to meet your needs.

The City of Charlotte’s New “Open for Business” Initiative- offers access to COVID-19 specific programming to educate and empower Charlotte small entity owned businesses in the city.

Community Development Financial Institution (CDFI). Lends to start-ups and existing businesses across the state, emphasizing businesses that have difficulty accessing financing through traditional lending sources. Learn more about our core loan products.

City of Charlotte Small Business Community Resources

City of Charlotte Open for Business- Open for Business is a City of Charlotte initiative supporting small business owners through their COVID-19 recovery. By providing access to capital and other resources to Charlotte’s small businesses, the program intends to help enterprises survive the pandemic’s recovery phase and prepare to thrive in a post-pandemic future. The initiative is supported by the City of Charlotte Small Business Community Recovery Task Force and Charlotte City Council Workforce and Development Committee.


Advice, Tips, and Pros and Cons for Charlotte Small Business Owners

When looking for funding for your business, businesses should always begin the process by understanding the purpose and use of the funds you are trying to acquire for your business. Do you know the obstacles that exist when getting approved (risk issues, business banking account cash flow, time in business, financial statement)?

Business lending is significantly different than consumer financing. Underwriting for business lending is much more risk-averse than consumer lending, so you need to take your time in looking through all the options that are available by lenders.

AdvancePoint Capital has the experience and been very successful in helping North Carolina businesses search for business lending solutions easily and painlessly without wasting time or, more importantly, your hard-earned money. Our customer service is legendary and you will not regret using AdvancePoint Capital as a resource.

As we always say, compare, shop, and you will always save your business money!

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AdvancePoint Capital makes the loan application process a simple, straightforward experience.

Frequently Asked Questions

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