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Small Business Financing Services

Since 2005, Virginia Housing and Community Development Corporation has been dedicated to helping small, women, and minority-owned businesses in the Commonwealth of Virginia succeed through exceptional support, products, service, and training. We offer prompt service, competitive rates, an experienced staff, and a variety of financing products designed with you in mind.

The Small Business Financing Services offered by Virginia Housing and Community Development Corporation gives your business a single-source for a variety of business financing. Our suite of financing products includes:


Accounts receivable (A/R), or factoring, is the purchase of your invoices at a discount. If you sell your products or services to entities that typically pay in 30, 60, 90 days or more, A/R financing may be the solution for you. Give your business a continuous source of operating capital to pay creditors promptly, meet payroll, maintain overhead expenses, pay taxes or simply relieve the financial burden experienced during rapid growth periods.


Our business cash advance program converts your future Visa, MasterCard, Discover, and AMEX receivables into immediate cash and repayments are based on a fixed percentage of your future credit card transactions.  Payments are automatically applied to your remaining balance until the balance is satisfied. Even if you do not accept credit cards, but have regular deposits to your business bank account, you may still qualify for a Business Cash Advance.


Up to 100% financing for fix-n-flip, owner-occupied, and commercial acquisitions. We finance owner-occupied professional office building, office condo, industrial building, medical office building, or general-use commercial property. You can use the money for commercial real estate purchase, refinance, construction, and business acquisitions, including working capital and other business assets.

Use the equity in your commercial or residential property. Borrow from $50,000 to $5,000,000 and close within 45-60 days of a signed commitment letter. You can get competitive rates and a 10-25 year term, based upon the loan purpose. Depending on the deal, we can offer recourse or non-recourse commercial real estate financing options.

Most loans require 500 FICO or better.


Traditional small business loans are not always the right fit. Banks may require lengthy applications and documentation, stipulate how money must be spent, or deny applications based on FICO criteria or asset collateralization requirements.  Our flexible loan program is perfect for businesses that are looking for something more than a traditional loan.  We work hard to get you the capital you need, with minimal paperwork, no asset collateral, and a decision within 48hrs. Loans range from $25k to $150k with 3 to 18 month terms. We offer loans from SBA approved lenders, meaning fast and efficient processing of your loan application.


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