The mission of Pathway Lending is to provide lending solutions and educational services that support the development, growth, and preservation of underserved small businesses, affordable housing, and sustainable communities. We are financing businesses and strengthening communities. We’re certified by the U.S. Department of the Treasury as a Community Development Institution (CDFI), so we’re held to high standards of responsible lending in underserved and often low-income communities. Pathway Lending operates a revolving loan fund that makes affordable loans to small business owners and micro-entrepreneurs that might not otherwise qualify for a bank loan in Tennessee and Alabama. Pathway Lending serves businesses and entrepreneurs throughout Tennessee, Alabama, Kentucky, as well as the portions of Arkansas and Mississippi in the Greater Memphis MSA. Our work focuses on activities in underserved Target Markets that include businesses located in Qualified Investment Areas (as defined by low-income census tracts, poverty rates, and unemployment statistics) and African-American owned businesses. To reach more entrepreneurs, we opened the Pathway Women’s Business Center, or “Pathway WBC” in 2014 and the Veterans Business Outreach Center, or the ‘VBOC at Pathway Lending’ in 2018. These programs allow our staff to support more established business owners and emerging entrepreneurs with classroom education, one-on-one mentoring, and counseling. Our education is approachable, affordable, and based on stage of business. We often partner with peer organizations to full curriculum gaps, ensure ongoing support for entrepreneurs beyond the launch phase, and to reach a wider audience.