Georgia Small Business Finance Resources

If you’re wondering how to get help with small-business financing in Georgia, you’re not alone. While there aren’t typically any state grants available for small-business startups, there are many lending opportunities. Below is Georgia’s list of traditional and alternative funding, as well as federal loans and grants.

State Small Business Credit Initiative (SSBCI)

Learn more about this federal program administered by the U.S. Department of the Treasury to support private financing to small businesses and small manufacturers.

FIND SMALL BUSINESS CREDITS

 

Micro Loans (CDFI)

These lenders, or Community Development Financial Institutions (CDFI), have lending portfolios that offer many different small business loans.

LEARN ABOUT MICRO LOANS 

Georgia Green Loans

Eco-friendly products or services for an existing business can be accessible with "green" loans from the state.

SEE GEORGIA GREEN LOANS

 

Rural Business Loans

Learn about financial aid opportunities specially set aside for small businesses in rural areas of Georgia.

FIND RURAL BUSINESS LOANS

 

Federal Grants & Loans

The U.S. government offers several financial aid opportunities, including grants and loans, for small business owners.

SeE FEDERAL GRANTS & LOANS

 

Foundations in Georgia

Find various foundations and non-profit opportunities from Fundsnet Services that can benefit small businesses.

sEARCH FOUNDATIONS & NON-PROFITS

 

Commercial Cash Flow Management

NOWaccount Network Corporation allows you to improve cash management, eliminate the risk of customer non-payment and offload accounts receivables processing and collections.

wATCH THE Video

 

Business Credit Card Guide

The Simple Dollar is a resource for those who want to learn about the best credit card for their business.

FIND THE BEST BUSINESS CREDIT CARD

 

Business Loans in Atlanta

The City of Atlanta offers a multitude of funding opportunities for businesses both large and small. Learn more about the different types of loans, funding programs and tax benefits that may be available for you and your small business.

SEE BUSINESS LOANS IN ATLANTA

Cobb County Entrepreneurship Grants

The Entrepreneurship Grant Program, offered by the Cobb County Economic Development Office, is available to businesses located in the county. Grant amounts are up to $10,000 and can be used for marketing, the purchase of equipment, furnishings and technology; structure improvements and renovations; and operating funds.

LEARN ABOUT Entrepreneurship Grants

Athens Downtown Development Authority Grants

The Athens Downtown Development Authority (ADDA) offers several grants for businesses located in the city's historic downtown area.

LEARN ABOUT Downtown Development Authority Grants

Get Small Business Certified

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Women

We are proud to rank No. 5 in the U.S. for the greatest number of female-owned firms. Explore the resources and opportunities we have specifically for our women entrepreneurs.

Minorities

Get certified as a Minority Business Enterprise, and you’ll open the door to all kinds of new opportunities, resources and services. We’ll direct you to the right partners to begin the process.

Youth

Are you an entrepreneur under the age of 18? Georgia has special resources and opportunities available to help you start, grow and expand your business in the state and beyond.

Veterans

Our veterans are an integral part of Georgia’s businesses and communities. Explore the numerous resources and services available to our men and women in uniform.

Frequently Asked Questions

How do I incorporate my business?

Corporations, limited liability companies, and limited partnerships in Georgia are formed by filing with the Corporations Division of the Secretary of State. Some foreign (out-of-state) entities which do business in Georgia also must file with the Corporations Division.

http://sos.ga.gov/index.php/corporations

How do I get a small business loan?

While there aren’t typically any state grants available for small business startups, there are many lending opportunities including your local banks. Below is Georgia’s list of traditional and alternative funding as well as federal loans and grants.

State Small Business Credit Initiative (SSBCI)
Micro Loans/CDFI
City of Atlanta Loan Programs
Green Loans
Innovative Entrepreneurs
Rural Business Loans
Federal Grants & Loans
Foundations in Georgia
Commercial Cash Flow Management

How do I get a small business grant?

The U.S. government offers several financial aid opportunities for small business owners.

Early Stage Innovation Fund
Georgia’s Regional Commissions

How and why do I develop a business plan?

The business plan provides focus and direction, sets goals, anticipates actions, keeps score, and helps to sustain the business’s profitability and competitiveness in the  marketplace. The Georgia Small Business Development Center offers a StartSmart program that helps you learn to plan and analyze your vision by creating a researched and tested business plan.

Try these additional resources:
Georgia Small Business Development Center
Take a Self-Assessment

How do I start a franchise?

FranNet provides resources for everything franchise and can help expand your business through franchising, one of the most profitable business models in the world.

Try these additional resources:
FranNet
Grow My Small Business

How can I learn more about insurance for small businesses?

The Georgia Small Business Development Center offers a Guide to Health Insurance Options for Small Businesses that explains important facts about health insurance, the basics, alternatives to traditional insurance, and federal and state health insurance regulations.

Try these additional resources:
Guide to Health Insurance Options for Small Businesses

Where can I learn about Georgia local, state and business taxes?

Learn about Georgia's business-tax types and information on audits, collections, rules and policies, and FAQs from the Department of Revenue.

Try these additional resources:
Department of Revenue

What is an Federal I.D. (or EIN) number?

Employer Identification Numbers are issued for the purpose of tax administration and are not intended for participation in any other activities (e.g., tax lien auction or sales, lotteries, etc.). Learn more about how to apply for yours and tax responsibilities from the Internal Revenue Service.

Try these additional resources:
Internal Revenue Service

What is the Tax Incentive Program and how does it work?

Georgia law gives an incentive to companies to hire certified minority subcontractors by giving them a tax break – 10% of payments up to $100,000. Please contact the Georgia Department of Revenue at 404-417-2399 for additional information.

Try these additional resources:
Georgia Department of Revenue