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Funding Your Idea

Since opening its doors in 2008, the Shenandoah Community Capital Fund has lent over $1.7 million to entrepreneurs and small business owners in the Shenandoah Valley.

We aim to bridge the gap of equitable access to capital for Shenandoah Valley businesses. Startup status, insufficient collateral, and low credit scores are often major hurdles facing small business owners seeking bank financing. As a mission-based lender, SCCF can assist entrepreneurs who are unable to attain capital through commercial lending. 

Our small business microloans range from $1,000 to $50,000, and can fund various expenses, including equipment, inventory, and working capital for small businesses that do not qualify for commercial business loans. They can also be used to refinance and consolidate existing business debt at a lower interest rate. The Shenandoah Community Capital Fund is an Equal Opportunity lender, provider, and employer.

Meet Our Loan Clients

Our loan application process

The application process takes about one month. The Loan Review Committee meets on the 4th Friday of every month. Applications can be submitted on a rolling basis; applications received by the 15th of the month prior are eligible to be presented for approval to the loan review committee the next month. The loan team will work with you as you submit your application and documentation. We require a personal guarantee and quarterly check-ins on all loan agreements. We are more than willing to share sample closing documents with you- let us know!  

Who is qualified for a loan with SCCF?

We look at loan applications holistically including:

  • Your business must be located within the Shenandoah Valley

  • Business and Personal debt to income ratio

  • Programs/resources you have utilized and market research

  • We look at credit history, however, SCCF is not a credit-based lender so a loan decision will not be based solely on your credit history

Need more information? We've compiled some FAQ's to answer your questions

If your business is outside of the service areas listed, SCCF, unfortunately, cannot lend to your business.

Find an SBA microlender in your area. 

The best way to contact us to learn more about loan opportunities is to fill out our interest form and a member of our loan team will contact you to set up a loan interest meeting!

SCCF can loan to entrepreneurs and businesses located in...

  • Augusta County

  • Bath County

  • Buena Vista

  • Frederick County

  • Front Royal

  • Harrisonburg

  • Highland County

  • Lexington

  • Luray

  • Page County

  • Rockbridge County

  • Rockingham County

  • Shenandoah County

  • Staunton

  • Warren County

  • Waynesboro

  • Winchester

Other funding options 

Augusta County Loan Fund 

Augusta County is proud to offer loans to businesses located in Augusta County with small business microloans ranging from $1,000 to $20,000. Loan funds can fund various expenses. To learn more about these loan opportunities, fill out the interest form and a member of their team will contact you to set up a loan interest meeting!

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