Loan Funds


closing 4 150715Are you looking to start or expand your small business? SCCF can help you fund this exciting next step in your life as an entrepreneur!

SCCF is your complete toolbox for making your business successful. We provide one-on-one confidential business counseling to help you develop a business plan, understand financial projections, and (if you choose) prepare a loan application that will work for your creative business and your personality. We also connect you with other community-based resources for additional networking opportunities, accounting services, office/retail/studio spaces, and marketing opportunities—all to help you reach a wider audience and contribute to the local culture.

We offer loan funds to new and existing small businesses in the following service area: Augusta County, Rockingham County, Rockbridge County, Highland County, and Bath County, as well as the cities of Staunton, Waynesboro, Harrisonburg, Lexington, and Buena Vista.

Our direct loans range from $1,000 to $50,000 and can be used to support start-up costs, job creation, marketing, working capital, and green business initiatives.

We believe that businesses should not only be rooted in a community, but also give back to and support a community as well. This means that we strive to support businesses that follow the triple bottom line: they are economically viable, socially equitable, and environmentally sound.

Let’s do some awesome things together! Follow our Timeline to complete your loan application. 

We give special consideration to businesses in the fields of Arts & Culture, Creative Professionals, Green Businesses, and Local Foods.

Local Food

Locally made, locally grown, locally sold

The Shenandoah Valley has a vibrant heritage that combines innovation with authentically local, community-based production of food. With a bounty of farmstands, farmers markets, Community Supported Agriculture (CSA) programs, and locally sourcing food retailers and restaurants, the central Valley is really a “bread basket,” and local consumers have lots of choices to eat local—and local producers have a great opportunity to reach customers.

From hoop house construction to the retailing of local produce and goods, SCCF can provide funding for a wide variety of projects and initiatives designed to encourage local food production and consumption! In addition, SCCF offers a variety of classes and networking opportunities to help food entrepreneurs learn key skills and make important connections for their business! Stay tuned for more cool classes and resources for food businesses!

Arts & Culture

Whether purchasing a kiln, opening a studio, recording a new album, printing a new book, or designing marketing materials, creative businesses have costs too. SCCF’s flexible small-business loans can respond to the needs of artistic and creative entrepreneurs in a variety of ways, no matter the medium!

Creative Professionals

Architects, engineers, information technology professionals, designers, public relations experts, advertisers, and related “creative class” providers can get loan funds for purchasing equipment, creating marketing materials, buying hardware or software, and more!

Green Businesses

SCCF supports businesses that exemplify a “green” entrepreneurial philosophy and make stewardship of the Earth and their local community a number one priority. Are you starting a community garden, manufacturing biofuels, initiating recycling or waste reduction projects, producing organic or natural foods, supplying regionally distinctive music, creating fine artisan crafts, distributing homemade goods, installing solar panels at your place of business, or are you a restaurant that wants to provide locally grown produce? Then let SCCF help you go green!