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Business · Funding

Decide DeKalb Small Business Loan

Offered by Decide DeKalb Development Authority

Open year-roundApply anytime. Applications are reviewed as they come in.

About

About This Program

Loans of $50,000 to $150,000 at a fixed 5% for up to 7 years, plus one-on-one business help, for established DeKalb County businesses.

Decide DeKalb Development Authority's Small Business Revolving Loan Fund and Technical Assistance Program lends $50,000 to $150,000 to small businesses based in DeKalb County, including its cities, at a fixed 5% interest rate for up to 7 years (matched to the lease term where there is one), with monthly payments. Loans can pay for building or office renovations, equipment, working capital, inventory and expansion, but not refinancing, residential real estate development, gambling, adult businesses or liquor stores. Outsourced CFO Group runs the program for Decide DeKalb: you start with an eligibility questionnaire on the loan portal, upload your documents for underwriting, and the Loan Approval Committee decides each month. Collateral and personal or business guarantees may be required. Technical assistance before, during and after the loan comes from partners such as the UGA Small Business Development Center, Accion Opportunity Fund, the Urban League of Greater Atlanta, SCORE and Operation HOPE.

Eligibility

Who Can Apply

For-profit business with a valid business license in DeKalb County or a DeKalb city
In operation for at least 24 months
Has a commercial location (retail, industrial, office or other)
Owner's personal credit score of at least 600
Applicant is a U.S. citizen or green card holder
No unresolved state, local or federal tax liens

Area served: DeKalb County

The offer

What's Offered

Loans of $50,000 to $150,000
Fixed 5% interest for up to 7 years, with monthly payments
Technical assistance before, during and after the loan

Amount: $50,000 to $150,000 at a fixed 5%

Cost: Up to $100 application fee, paid at closing on approved loans

Get ready

What You'll Need

Business license and registration documents
Business and personal tax returns
Business plan, sources and uses of funds, and cash flow projections
Balance sheet, income statements, business debt schedule, and receivable and payable aging reports
Collateral and guarantees, as required

Key dates

Dates

OpensYear-round

DeadlineRolling

Last reviewedNov 2, 2026

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