Access to Capital

Beginning a business with no capital seemed like an impossible feat. However, we are now funded, growing, and looking to expand because of the guidance we received from Carter Financial.

— Zach, Small Business Owner (Atlanta, GA)


Right now, a majority of banks are not lending to businesses, and those that do are only approving 10% to 19% of applications. That leaves 80% to 90% of business and real estate investors in need of a source for commercial loans.

Carter Financial has a unique initiative designed to help business owners with the following:

  • Develop an understanding of the disconnect between businesses wanting/needing funding and the sources of capital who want/need to lend it.
  • Discuss key topics regarding business fund-ability including organizational types, business plans, and financial projections.
  • What is business credit and why is it important to you?
  • Become familiar with the Three Tranche Model of Accessing Capital.
  • Gain an appreciation of having a Capital Acquisition Plan.


Our funding partners have decades of experience in commercial lending. They know exactly how to properly advise a borrower on any type of commercial transaction. Our partners have the following strengths:

  • Experience with thousands of borrowers
  • Superior customer service and business knowledge
  • Multiple funding options including poor credit
  • Focused on securing the best loan rate and term
  • Dedicated loan funding specialist for each client
  • Deliberately guides borrowers through each step of the process and communicates approvals in as little as 48-72 Hours
  • Manages any title or property insurance issues
  • Coordinates with each party involved in the transaction to close loans properly and in a timely fashion

Loan Types

We work with a network of 100 plus lenders. The following is a summary of the lending programs we offer for personal/consumer, business and commercial real estate uses.

  • Line of Credit
  • Consumer Loans
  • SBA PPP, 7(a) or 504
  • Term Loan
  • Equipment
  • Merchant Cash Advance
  • Invoice Factoring
  • Account Receivables
  • Non-Profit Lending
  • Faith Based Entity Lending
  • Ground Up Construction Financing
  • Rehab, Fix & Flip & Bridge Financing
  • Multi-dwelling Unit Financing

Complete a Lending Pre-Qualification Form to get started

Click Here