Business Grants and Loans in Georgia: Funding for Your Georgia Business

If you operate a business within the state of Georgia, you may be eligible for one of the grants or loans below. It’s no secret that starting, growing, or simply maintaining a business can be costly, and business owners often need funding options. The business grants and loans you’ll find on this page are only available to Georgia businesses. Take a look and discover whether any of these business funding options are right for you. 


Department or Agency: ACE (Access to Capital for Entrepreneurs)

Loan or Grant title: Microloans

Microloans in amounts ranging from $15,000 to $50,000 are available to Georgia businesses that have been in operation for at least two years. This program was created to give underserved businesses access to capital and to create and retain jobs. Funds can also be used toward vehicles, inventory, and equipment. 


Department or Agency: Southwest Georgia United

Loan or Grant title: Small Business Loan Program

Businesses in Georgia that have less than 500 employees may be eligible for Southwest Georgia United’s Small Business Loan Program. This program was created to help underserved businesses access funds. Loans are made in amounts up to $250,000 and can be used toward working capital, inventory, equipment, franchise fees, and more.


Department or Agency: Southwest Georgia United

Loan or Grant title: Micro Loan Program

Micro Loans up to $50,000 (or 75% of the total project costs) are available for small businesses in rural areas of Georgia. Eligibility requirements include having ten or fewer full-time employees. Loan funds can be used toward inventory, furniture, supplies, minor renovations, and more.


Department or Agency: City of Savannah

Loan or Grant title: Business Loan Fund

Businesses in the city of Savannah may be eligible for a loan from the Business Loan Fund. The maximum loan amount is $150,000 and funds can be used toward most business purposes.


Department or Agency: City of Savannah

Loan or Grant title: Business Loan Guaranty

Businesses in the city of Savannah may be eligible for a Business Loan Guaranty. The guaranty amounts vary; the maximum is $100,000. Funds can be used for most business purposes.


Department or Agency: City of Savannah

Loan or Grant title: Small Steps Lending Program

Businesses in the city of Savannah may be eligible for a Small Steps Lending Program loan. The loan amounts vary up to $15,000 and can be used for most business purposes.


Department or Agency: City of Savannah

Loan or Grant title: Credit Building Loan Program

Businesses in the city of Savannah may be eligible for a loan through the Credit Building Loan Program. The loan amounts vary up to $1,000 and may be used for most business purposes.


Department or Agency: NewTown Loans

Loan or Grant title: Microloan

Start-ups and small businesses in Macon-Bibb County may be eligible for a small business microloan from NewTown Loans. Microloan amounts range from $500 to $10,000 and can be used for working capital, business acquisition, working capital, and more.


Department or Agency: NewTown Loans

Loan or Grant title: Mini Small Business Loans

Start-ups and small home-based businesses in Macon-Bibb County may be eligible to apply for a Mini Small Business Loan from NewTown Loans. Mini loan amounts range from $10,000 to $50,000 and can be used for working capital, business acquisition, working capital, and more.


Department or Agency: Perry Mainstreet Development Board

Loan or Grant title: Downtown Development District Facade Grant Program

Grants for businesses within the city of Perry, Georgia, are available for the purpose of renovating, restoring, and restoring buildings and commercial spaces. Grants for minor improvements (awnings, signing, alley enhancements, etcetera) are available up to $750. Grants for major improvements (substantial restoration, painting, murals, etcetera) are available for up to $2,500.


Department or Agency: Perry Mainstreet Development Board

Loan or Grant title: BOOST Grant

Perry’s BOOST Grant was created to help local small business owners. The grant amounts range from $100 to $1,000. Funds can be used toward furniture, fixtures, security systems, interior renovations, machinery, and equipment. 


Department or Agency: Invest Atlanta 

Loan or Grant title: Atlanta Recovery Loan Program

As part of the Atlanta Open For Business Fund, this loan program offers low-cost loans to businesses with less than 500 employees that operate in any Atlanta commercial area. Loans range from $25,000 to $100,000 and can be used toward purchasing land or commercial property, purchasing equipment and inventory, renovations, and working capital.


Department or Agency: Association for Enterprise Opportunity

Loan or Grant title: Fiserv Back2Business

Black- and minority-owned businesses can apply for a $10,000 Fiserv Back2Business grant. Eligible businesses are in the following Atlanta counties: Cherokee, Clayton, Cobb, DeKalb, Douglas, Fayette, Fulton, Gwinnett, Henry, Spalding, Newton, Coweta, and Rockdale. Businesses must also generate less than $1 million in revenue annually and have fewer than 11 employees.


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