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Business loans for the undervalued overachiever.
Our flexible, empowering loans can help your business grow.
Apply Now
Get a loan that goes above and beyond.
We connect you to the help you need to grow a successful business.
Apply Now
Business lending that does more.
Business lending to advance equity and help communities flourish.
Learn More
Business loans for the undervalued overachiever.
Our flexible, empowering loans can help your business grow.
Apply Now
Get a loan that goes above and beyond.
We connect you to the help you need to grow a successful business.
Apply Now
Business lending that does more.
Business lending to advance equity and help communities flourish.
Learn More
Business loans for the undervalued overachiever.
Our flexible, empowering loans can help your business grow.
Apply Now
Get a loan that goes above and beyond.
We connect you to the help you need to grow a successful business.
Apply Now
Business lending that does more.
Business lending to advance equity and help communities flourish.
Learn More
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GET THE FUNDING YOUR BUSINESS NEEDS TO SUCCEED.


Apply Now

PARTNER WITH US TO MAKE PROJECTS POSSIBLE IN YOUR COMMUNITY.


Learn How

INVEST WITH US FOR FINANCIAL RETURNS & ENVIRONMENTAL AND SOCIAL GOOD.


Invest In more


CDFI IN NORTH CAROLINA AND WEST VIRGINIA


NOTHING SHOULD HOLD YOU BACK.

IF YOU HAVE A GOOD IDEA, YOUR BUSINESS DESERVES A FAIR SHOT.

At Partner Community Capital (PCAP), we help small businesses get the capital
and other resources they need but can’t access. We deliver flexible, empowering
loans to borrowers in underserved communities. And, we connect clients to
strategic advisory services so they can make the best use of our capital.

LENDING, WITH A HELPING HAND.

To be truly successful, you need a lending institution that rolls up their
sleeves and helps. Along with CDFI loans, we can also connect you to valuable
business advisory services to help your business flourish and grow.

Get in touch with our Community Development Financial Institution (CDFI) for
your small business loans. Our team is here to readily help you with a lending
hand.

Apply Now

FINANCING THAT MEETS YOU WHERE YOU'RE AT.

LENDING AND SUPPORT THAT GROWS WITH YOU.


A LENDER INTEGRATING HUMAN, FINANCIAL AND NATURAL CAPITAL.

As a certified Community Development Financial Institution (CDFI) we focus on
locally owned, environmentally responsible small businesses because they employ
and build wealth for entrepreneurs, their families, and their communities. Since
2001:

 * PCAP has lent over $100 million to 500+ businesses and nonprofits, and we’ve
   provided 32,000 hours of advisory services to over 2,700 companies.
 * Roughly 50% of our borrowers have been women or people of color; 85% are in
   rural or economically distressed communities.
 * Our borrowers have created and retained more than 7,000 jobs and generated a
   wide range of social and environmental benefits

Apply Now


OUR CUSTOMERS TRUST US

"They supported our expansion with capital when we needed it, but just as
important has been the technical assistance Partner Community Capital offers.”
– Steve MorseCEO, SJ Morse Company, Capon Bridge, West Virginia
"We were happy to find a lender that could understand the vision we had to
create an outdoor recreation space for our community.”
– Jennifer MillerBailey Mountain Bike Park, Marshall, North Carolina
"We’re so proud to be able to collaborate with Partner Community Capital and
others in our community and use imaginative solutions to address a problem that
needed to be faced, not avoided."
– Susan MyersFounder of Eastern Carolina Broadband, Pink Hill, North Carolina
“If it weren’t for Partner Community Capital, I would have been facing this
project half blind!"
– Kacy KorczykOwner, On-Point Acupuncture Clinic, Beckley, West Virginia
“Partner Community Capital was willing to take a chance and loan us the money we
needed to take our idea to the next level.”
—Art O’NeillCo-owner, BearWaters Brewing Company, Canton, North Carolina
"They supported our expansion with capital when we needed it, but just as
important has been the technical assistance Partner Community Capital offers.”
– Steve MorseCEO, SJ Morse Company, Capon Bridge, West Virginia
"We were happy to find a lender that could understand the vision we had to
create an outdoor recreation space for our community.”
– Jennifer MillerBailey Mountain Bike Park, Marshall, North Carolina
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View Our Client Profiles


YOU CAN BUILD A SUCCESSFUL BUSINESS.

Too young? Too innovative? Too this or that for a traditional bank loan?

Where they see risk, we see a pathway towards creating an equitable economic
opportunity. At Partner Community Capital™, we work tirelessly to help small to
medium-sized businesses in underserved rural and urban communities get the
capital they need to grow and succeed.


GET FUNDING.

Tired of hearing NO?

Our flexible structure and innovative loans help good ideas become successful
businesses. We’re invested in creating economic opportunities–especially when
traditional banks can’t.

 * Read More


GET ADVICE & SUPPORT.

We know you need more than just capital to grow your business.

That’s why we provide our customers with business advisory services so they can
make the most of their loans. 

 * Read More


FLOURISH & GROW!

With our collaborative relationship, you’ll have the funding,  training, and
advice you need to start or grow your business. 

Be part of creating a more vibrant community for your neighbors. Start growing
your successful business today!

 * Read More

Apply Now


HOW TO GET THE LOAN YOUR BUSINESS NEEDS.

Our loans come with strings attached… The kind you can use to climb over the
obstacles in your way.

When you borrow from Partner Community Capital™ you get a lot more than a
loan–you get a partner who can help you succeed. We lend you vital support,
training, and technical assistance alongside the capital needed to fuel your
business dreams.


GET INFORMED.

Our mission is to provide access to capital for worthwhile businesses that can’t
use traditional sources.

To set our borrowers up for success, we have a few lending guidelines you should
be familiar with before applying.

 * Read the Guidelines


TALK TO A LENDER.

Teamwork and collaboration are how we’ll ensure you’re getting the right loan
for your needs.

We work hard to understand your business and design flexible financing that
meets your goals…and make sure that you have the ability to repay!

 * Our Regional Lenders


APPLY.

Now that we’ve gotten to know each other, you’re ready to apply and take the
next step towards building a flourishing business.

Our lenders will provide assistance and help structure loans designed to meet
your business goals.

 * Apply Now


BUSINESS LENDING TO ADVANCE EQUITY AND HELP COMMUNITIES FLOURISH.

Whether you’re a business that needs a loan, another lender who seeks to serve
your customers better, or an investor who wants to change the world. We can
provide you with innovative solutions that drive success and equity.

A PARTNER FOR ADVANCING HUMAN, FINANCIAL AND NATURAL CAPITAL.

We focus on locally owned triple-bottom-line (TBL) small to mid-sized businesses
because they employ and build wealth for entrepreneurs and their families, are
committed to their community, and operate in concert with the environment.

By providing flexible business loans and advisory services to these vital
enterprises and organizations, we help create environmentally and socially
responsible business development and wealth creation in rural, minority, and
low-wealth communities.

 * Learn more about our mission

KEY SERVICE PROVIDED

Perhaps a testimonial statement goes here or emphasis on the key service in
relation to what's at stake.


HOW CAN WE HELP YOU?

GET THE FUNDING YOUR BUSINESS NEEDS TO SUCCEED.


Apply Now

PARTNER WITH US TO MAKE PROJECTS POSSIBLE IN YOUR COMMUNITY.


Partner

INVEST WITH US FOR FINANCIAL RETURNS & ENVIRONMENTAL AND SOCIAL GOOD.


Invest in More

Partner Community Capital™ is a Maryland nonstock corporation that is a
501(c)(3) organization and a certified Community Development Financial
Institution.

 * P.O. Box 839
   Charles Town, WV 25414
 * (681) 252-4306
 * webmaster@partnercapital.org

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NAVIGATION

 * What We Do
 * Loans
 * Advisory Services
 * For Lending Partners
 * For Investors
 * Contact Us
 * Intake Form

 * What We Do
 * Loans
 * Advisory Services
 * For Lending Partners
 * For Investors
 * Contact Us
 * Intake Form

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