Financing Resources

Finding sources of capital for your business start-up can be confusing and difficult. The following includes basic information on the various resources available for individuals seeking start-up financing, loan guarantee programs and technical assistance. No matter what type of business you have, it is essential that you have a good business plan in place prior to seeking funding.

General Resources

Business Capital Opportunities Programs

North Carolina Rural Center
The Rural Center oversees several lending programs expected to free up to $800 million in capital for small businesses in North Carolina during the next few years.

Learn More

Fueling Your Business in North Carolina: A Guide to Financing for Small Businesses

North Carolina Rural Center
A guide designed to put you in the “driver’s seat” to create a plan that will help you find money to start or expand a business.


Capital Opportunities for Small Business

Small Business and Technology Development Center
A guide that provides information about financial resources available to small businesses.

Download Now

Private Equity Initiatives

Small Business and Technology Development Center
The SBTDC provides counseling assistance to growth companies seeking equity capital, offers educational programs for both qualified investors and growth company entrepreneurs, works with angel and venture capital funds, and serves as a statewide resource and connection to private equity investment.

Learn More

Loan Guarantee Programs

US Small Business Administration
The SBA does not generally loan directly to your business, but instead offers loan guarantee programs through local and regional banks.

Learn More

Business and Industry Loans and Grants

USDA Rural Development
USDA Rural Development operates more than 50 financial assistance programs for a variety of rural applications.

Learn More 


NC Secretary of State’s Office
Recent legislation makes available crowdfunding, a new equity funding mechanism that allows NC investors to buy equity or debt offerings in NC small businesses.

Learn More

Grants & Loans

Science Business Grant Programs

North Carolina Office of Science and Technology
Learn More 

Angel Funds and Networks

North Carolina Small Business and Technology Development Center (SBTDC)

Learn More

First Flight Venture Center (FFVC)

A technology incubator located in the heart of Research Triangle Park driven to increase the number of technology companies originating in or relocating to North Carolina. Its website lists loan and other financial resources.
Learn More

Business Loan and Growth Programs

North Carolina Biotechnology Center
NC Biotech offers a number of programs for biotechnology-related businesses.
Learn More

Carolina Small Business Development Fund

A community development financial institution, which provides small business loans and business services to support the startup, growth and development of small businesses in North Carolina, especially those in underserved markets.
Learn More

Self-Help Credit Union

A community development lender, credit union and real estate developer that works with individuals, organizations and communities traditionally underserved by conventional markets.

Learn More 

Tobacco Communities Reinvestment Fund

Created in 1997 to address the barriers facing tobacco farmers and tobacco dependent communities.

Learn More

Offering Securities in North Carolina

You may be considering offering corporate stock, shares in a limited partnership or some other security to help fund your start-up. Security offers and sales in North Carolina are subject to the North Carolina Securities Act. 

Call the Secretary of State, Securities Division, at 919.814.5400, Option 5-2, or 800.688.4507 for more information. 

Learn More

Contact Small Business Advisors

8:30am to 4:00pm