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Business funding
in Georgia

Get up to $250,000 in cash to grow your small business in Georgia

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    Small Business Funding in Georgia

    The state of Georgia is a welcoming home for entrepreneurs. There are one million small businesses in Georgia, and the state often ranks among the best in the country for a strong business climate and for women and minority business owners. Although starting a small business in Georgia is pretty easy, getting capital is often more challenging. Fortunately, there are several local government entities and nonprofit organizations that extend Small Business Funding to Georgia-based businesses.

    Georgia has seen many ups and downs in the past few years, but the small business scene in the state of Georgia is blossoming. By the end of 2015, there were 982,112 small businesses in Georgia, or 97.7 percent, with 1.5 million of those Georgia small businesses being employers, or 44 percent.

    First Down Funding is one of the top options for obtaining Small Business Funding in Georgia

    Apply for Small Business Funding

    Small Business in Georgia

    Georgia has 722,089 small businesses, according to the most current federal data available. Of those 722,089 small businesses in Georgia, 198,271 have employees. The remaining 523,818 are Georgia small businesses that have no employees.

    Looking For A GeorgiSmall Business Funding?

    Apply Online and find out your financing options

    Apply for business funding

    Top Cities in Georgia

    Atlanta, Georgia

    Atlanta is by far the most affluent city in the state of Georgia. The area has experienced a resurgence in recent years that has helped make it one of the top cities in the nation for your young people – it’s a great place to start a new business.

    Apply in Atlanta

    Columbus, Georgia

    Columbus, Georgia is the second largest city in the state. Much of the local population is employed by the nearby Fort Benning – a US Army base in the area. If you’re thinking of starting a small business catering to the residents in the area

    Apply in Columbus

    Augusta, Georgia

    Augusta, Georgia is most famous for its golf course – it’s probably the most exclusive golf club in the world. But the city isn’t only for golfers, there are plenty of small business owners in the area.

    Apply in Augusta

    Macon, Georgia

    Macon is a city in Central Georgia that benefits from its historic roots. There are tons of interesting Civil War and Native American landmarks in the area. The city is well-known for its retail sector. If you’re thinking of starting a business in the city. Check your funding options.

    Apply in Macon

    Savannah, Georgia

    Savannah is also a city that benefits from its historic roots – the area plays home to plenty of interesting Civil War locations. But Savannah is also known for its manufacturing industry, which has developed steadily since the decline of agriculture in the area.

    Apply in Savannah

    Athens, Georgia

    Athens is the home of the University of Georgia. Much of the local economy is driven by the college in the city’s center. If you want to start a business in Athens, we recommend you check your funding options.

    Apply in Athens

    When to Take Funding in Gerogia and Why?

    The best time for your company to take funding is when you need a large lump sum of cash for business expenditures. Some use their funding money to improve marketing and advertising to bring in new clients. Others use their funding-obtained money to expand on their shops and properties, improving services for customers. When taking out Small Business Funding, you need a clear goal in mind so that the money benefits you. Many entrepreneurs apply for funding, receive the money and then spend it on frivolous things that aren’t advantageous to their companies. Before spending any money, have a solid objective for your business and know where every penny of that funding is going to be spent.

    What can fast, affordable and transparent Business Funding do for your Georgia Business Today?


    Need help covering payroll in Georgia?

    We Help Small Businesses With Working Capital Financing For Short & Long Term Projects



    First Down Funding specializes in structuring and approving cash advances for small to medium-sized business owners in Georgia just like you. We have a large selection of merchant services that are designed to immediately help with all of your business’ needs. Our continuous growth allows us to give personal attention to each client’s specific needs and offer creative solutions. First Down Funding provides alternative business funding as well as the advice you need to keep your business thriving.

    How to Apply for a funding

    Small Business Funding application is different from personal funding. If your company is older and well-established, you should have no problem taking out a funding. You’ll need documentation of sales and expenditures associated with your company. This lets First Down Funding know if you’ll have the funds to pay back the funding.

    First Down Funding application process:

    Step 1

    Apply online in just a few minutes

    Step 2

    Our system evaluates your business and typically provides a decision in minutes

    Step 3

    Sign your contract and receive money in as fast as 24 hours

    Apply Now! – Quick Approval Small Business Funding

    We’ve designed our process to provide businesses with the funding they need safely, securely and easily:

    Fast & Simple Experience: Our online application and approval processes are straightforward and highly effective. With our easy application process and fast approval rates, we make it so that you can get the funding you need, when you need it.

    Focused on Working Capital: Working capital is the financing your business needs on-demand to proceed with day to day options. We make it so that you can attain these funds within 72 hours of your approval.

    Service & Support: Our business financing services are personalized so that your business’s unique needs are met. We work with you personally to ensure you are supported at every turn.

    How to Get Business Funding in Georgia: Preparing Your funding Application

    1. Business Plan

    A business plan is one of the most important documents you’ll prepare when starting a small business and applying for financing. Although online funders don’t usually request a business plan, this is a must-do if you’re applying for financing at a nonprofit, bank, or credit union. It’s also a useful exercise to see if you have realistic expectations from your business.    

    The business plan outlines your business concept and contains a detailed summary of your business’s product or service, target customer base, competitors, and financial projections. Funders often use the financial projections section of the business plan to assess how much funding your business is eligible to receive.

    2. Credit History

    Your credit history is paramount when applying for business funding. The better your credit score is, the more funding programs you’ll be eligible for, the more financing you’ll be approved for, and the lower interest rates you’ll pay. 

    To keep your credit in good shape, you should regularly check your credit report, fix any errors that you spot, and make all existing funding and credit card payments on time. Sometimes, if you’re new to the country or haven’t relied on financing very much, you might have a thin credit file. If that’s the case, try getting a credit builder funding from one of the above-mentioned nonprofit funders. Just keep in mind that positive changes in your credit score can take some time, so keep tabs on your credit history well before you begin your search for financing

    3. Business Revenues

    Whether you have a brand-new business or a more established company, revenues are very important to the funding process. A business with revenue, or at least a market-ready product, represents a serious business in the eyes of funders and is more likely to receive financing. While nonprofits do offer startup business funding, established revenue-generating businesses have more financing options.

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    Looking to finance your business expenses in Georgia?

    We Help Small Businesses With Working Capital Financing For Short & Long Term Projects



    What Industries Do We Serve in Georgia?

    Auto Shops
    Auto Shops
    Bakeries / Specialty Delicatessen
    Bakeries / Specialty Delicatessen
    Beauty Salon & Spa
    Beauty Salon & Spa
    Business Services
    Business Services

    Small Business Funding in Atlanta

    Step aside, Coca-Cola and Home Depot. Small businesses are taking Georgia by storm, at a rate of 1 million according to recent stats compiled by the Small Business Administration (SBA). 

    Many of these companies are growing thanks to business financing. 

    Now it’s your turn. Find Small Business Funding in Atlanta that meet your growing needs. In this guide, we’ll take a look at banks and funding companies in Atlanta, GA, check out some of the best business funding and resources and review the state of business in the city.

    Small Businesses in Atlanta

    Growth costs money, and many small businesses in Georgia are thriving. According to 2019 rankings by WalletHub, Atlanta is featured among the top 10 best places to start a small business. 

    What Percentage of Businesses Are Small? 

    In Georgia, small businesses make up 99.6% of all companies in the state, and these businesses employ approximately 1.6 million workers, more than 40% of all of Georgia’s private sector employees. 

    What Are the Top Small Business Sectors in Georgia? 

    According to the SBA, the top 10 small business sectors employing the most workers in Georgia include: 

    1. Food and accommodation services
    2. Social assistance and health care
    3. Professional, technical and scientific services
    4. Retail 
    5. Other services (excluding public administration)
    6. Construction
    7. Manufacturing
    8. Administrative, support and waste management
    9. Wholesale trade
    10.  Insurance and finance

    Top Small Business Funders in Atlanta, GA 

    Maintaining a workforce and a small business is no small feat and can come with challenges, as well as perks. If your revenue shifts throughout the year, some months are better than others. Because of this, funds to add new hires and grow your company (or even cover payroll at times) can be limited.

    Fortunately, there are plenty of funders in the ATL you can turn to for financing to fund your business expansion project, fill purchase orders or gain a boost in working capital. 

    Whether you’re trying to decide between SBA versus non-SBA funding, looking for a business line of credit or in search of equipment financing, you’ve got options. 

    Alternative Forms of Financing in Atlanta 

    Banks just aren’t for everyone, and they aren’t the only players in town anymore. Alternative funders are known for their speed and access to funding, particularly for borrowers who need funds fast or have less-than-desirable credit scores. 

    To provide funding to a broader group of business owners and hedge themselves from riskier funding, alternative funders typically have higher interest rates and shorter repayment terms. That being said, if your primary concerns are getting funded quickly and enjoying a streamlined application process, you might find that alternative funders trump conventional banks. 

    First Down Funding is one of the top alternative funders in Atlanta

    Apply now for Business Funding in Atlanta

    How to Get Small Business Funding in Georgia: The Bottom Line

    Georgia small business owners can obtain funding from the local government, nonprofits, banks, credit unions, and online funders. It’s important to make sure you review your options from national, state, and local sources, and choose the best fit for your company based on your timeline, credit history, and budget. Getting Small Business Funding in Georgia can seem like an intimidating process, but with the right funding partner, it can be easier than you think to take your business to the next level.

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