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With a higher quality of life, talented workforce, and lower cost of living, Atlanta is where more people and businesses are choosing to move.
Learn about the demographics and opportunities in the City of Atlanta.
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February 05, 2025
Invest Atlanta Releases 2024 Financial Statements
We can help you finance your project and connect you with key resources.
See why Atlanta is a great opportunity for development projects.
February 21, 2025
More Affordable Housing Coming
See how we've helped other companies in Atlanta, and learn more about what we can do for you.
Learn about the demographics and opportunities in the City of Atlanta.
We can help make your dream of owning a home in Atlanta a reality.
Discover why Atlanta is a great place to settle down and call home.
Find programs and incentives that work for you.
Learn how Atlanta is helping existing residents with critical home repairs.
We can help make intown living affordable for you.
See apartments that Invest Atlanta has helped finance.
Invest Atlanta facilitates economic development within the city limits of Atlanta.
View City LimitsInvest Atlanta facilitates economic development within the city limits of Atlanta.
View City LimitsInvest Atlanta facilitates economic development within the city limits of Atlanta.
View City LimitsWe may be able to help your company with gap financing – see which loans you qualify for.
Run through our easy checklist or download an information flyer for more info.
Invest Atlanta administers these funds to encourage business development in the City of Atlanta.
Provides financial support in response to economic disruptions by COVID-19
Aimed to alleviate sudden and severe economic dislocation caused by the coronavirus (COVID-19) pandemic and provide permanent resources to support economic resiliency to further the long-term economic objectives of the region.
$10,000 to $100,000
Not to exceed 7 years; with a 6-12-month deferment prior to first loan payment
1% to 3%
The ACRLF is created to provide a public benefit to small and medium-sized local businesses engaged in trade, industry, and commerce to address the economic shock to the business ecosystem and disaster caused by COVID-19 in the City of Atlanta.
Citywide
During the COVID19 disaster and similar periods, ADA intends to help eligible businesses retain jobs.
$100
Financial and technical assistance of up to $5 million for small minority- and female-owned businesses relocating or expanding in the City of Atlanta.
Offers financial and technical assistance to small minority- and female-owned businesses relocating or expanding in the City of Atlanta.
Up to $5 million for job creation; $5.5 million for public policy manufacturers; $4 million for NAICS Sector 31, 32 or 33 manufacturers.
10 or 20 years
Based on 10-year Treasury Note
10% Equity Injection
Citywide
$100
Supporting job creation with gap funding from $100K.
Supports job creation by providing gap funding to small and medium-sized businesses creating new quality jobs.
$100,000
3 to 7 years, (15 years for real estate)
½ of prime plus 2% (4% minimum)
20% Equity Injection
Citywide, with special consideration for businesses in Priority Areas.
At least 5 quality jobs providing healthcare coverage
$100
Direct loans of up to $100K to businesses located within business improvement districts.
Encourages the revitalization of targeted business districts and supports development in other eligible areas.
Direct Loans: $100,000 maximum
Loan Participants: Not to exceed 10% of total financing
3 to 7 years
Based on evaluation of cash flow statement.
20% Equity Injection
Business Improvement Districts
$100
Provides support for permitted street vendors in the City of Atlanta to purchase of vending carts that are compliant with the vending ordinance.
Assists permitted street vendor in the City of Atlanta by providing support for the purchase of vending carts that are compliant with the vending ordinance.
Up to $3,000.
Not to exceed 2 Years
0%
Matching portion must be at least a 1:1 ratio
Citywide
$100
Provides financial assistance to small businesses and start-up companies located within accelerators, incubators and co-working spaces in the City of Atlanta.
$5,000 to $20,000
3 years with a six-month deferment before the first payment is due.
2% Fixed
Must maintain a business location in the City of Atlanta.
$100
Waived
Provides funds for existing companies improving commercial property, purchasing equipment, furniture and fixtures, and paying off high-interest business debt.
Funding for existing companies improving commercial property, purchasing equipment, furniture and fixtures, and paying off high-interest business debt.
$10,000 - $50,000; up to $30,000 can be used for working capital.
Direct Loans
Varies Between 3 and 7 Years
3% Fixed
Must be a recent graduate or attending a technical assistance program.
Citywide
$100
Cleanup financing for eligible redevelopment products within the city limits.
The City of Atlanta - Invest Atlanta Brownfield Revolving Loan Fund (BRLF) Program provides financing for eligible brownfields clean-up projects within the Atlanta city limits. Brownfields Revolving Loan Fund (BCRLF) loans are available to qualified, suitable market- ready sites to appropriate developers and buyers. The loans provided by the BRLF fund the remediation required for site cleanup, which then allow redevelopment projects to go forward.
For full program information, please visit: Brownfield Revolving Loan Fund
Loan terms will be based upon the borrower's needs, repayment ability and how much the borrower is financing. Repayment terms will be customized depending on the projects cash flow needs. Interest only payments may be made available for the first year; however, all loans will be fully amortized by a daily rate. Deferred payments may be an option in structuring a workout plan. Generally, terms will be kept as short as practical in order to recycle funds. All conditions, including the loan term, will be evidenced by a promissory note, security documents, and other closing documents, as necessary, to be signed at closing.
Interest rates will be established to meet the needs of borrowers while yielding income to support the administrative expenses of City of Atlanta BRLF. The interest rate, as a general rule, will be less than or equal to the prime interest rate, but not less than zero percent. It is anticipated that loan rates will be between zero percent (0%) and the current market rate plus one hundred basis points. The prime rate shall be the prime rate quoted in the Wall Street Journal or the maximum interest rate allowed under State law. The interest rate will be fixed for the term of the loan.
The Brownfield Revolving Loan Fund is available in Targeted Communities within the City of Atlanta. The City of Atlanta and Invest Atlanta will focus its marketing activities on the Targeted Communities listed below in order to have a positive impact on these areas. Further, Invest Atlanta, where possible will coordinate with the Phoenix Fund and Business Improvement Loan Funds to maximize financial impact when projects become eligible for multiple lender options.
Waived
Receive up to $100,000 in low-interest loans to help your business obtain tangible assets like real estate.
The Atlanta Recovery Loan Program (ARLP) offers low-cost loans to help small businesses grow ownership of tangible assets — a major challenge for diverse-owned small businesses — to help them build wealth and avoid displacement due to changing economic conditions.
Not to exceed 7 years
Not to exceed 3%
Partnerships or Sole Proprietorships
Businesses in all commercial areas in the city of Atlanta, including those operating on City of Atlanta-owned property are eligible.
$100
Receive up to $250,000 in down payment assistance to help your business acquire commercial property in Atlanta.
The Atlanta Commercial Down Payment Assistance Loan program supports local small businesses located in the city of Atlanta by offering low-interest financing to assist existing business owners acquire commercial property.
The Program will provide a direct loan to applicants for up to 20% of commercial costs, not to exceed $250,000. All loans will have a six-month deferment before the first payment is due.
Uses of Loan Fund
Loans shall be made for the purchase/acquisition and related renovations of a building zoned commercial within the city of Atlanta.
Minimum of $25,000; Maximum of $250,000.
Loan Maturity
Up to 10 years with a six (6) month deferment prior to the first payment; loan amortized over a 25-year period or equivalent of amortization schedule for standard commercial loans. There is no pre-payment penalty for paying off loans early. Any loan recipient that maintains ownership over 10 years shall have the option of having the remaining loan balance amortized based upon a 15-year period at a 3% interest rate.
Loan Conversion
After 10 years of consistent payments and meeting claw back provisions, the business can apply to convert the loan to a grant.
Between 1% and 3%.
For-profit corporations, partnerships, or sole proprietorships:
Non-profit organizations:
Food service businesses:
$100
Receive up to $150,000 in low-interest loans to help your startup acquire new assets or update existing assets.
The Atlanta Startup Growth Loan Program offers loans from $50,000 - $150,000 to help startups gain momentum and grow through the purchase and acquisition of assets. It provides funding to startups that have a clear demonstrated need for funding, in addition to a dedication to solving a critical problem through technology that impacts society.
The Program will provide a direct loan to applicants. All loans will have a six-month deferment before the first payment is due.
Uses of Loan Fund
Examples of how you might use the loan:
Minimum of $50,000; Maximum of $150,000.
Loan Maturity
Up to 5 years with a six (6) month deferment prior to the first payment. Loan terms cannot exceed the lease terms.
Type of Collateral
No collateral required; however, it is encouraged to strengthen application. No personal guarantee required.
Between 0% and 3%.
For-profit corporations, partnerships, or sole proprietorships are eligible.
Applicants must meet all the following criteria:
Additional considerations:
$100