About this programme
The Atlanta Startup Growth Loan Program is run by Invest Atlanta, the City of Atlanta's economic development authority, for young technology-focused companies (AI, SaaS, FinTech, and similar scalable sectors) that need capital to buy assets and grow.
The program puts particular emphasis on reaching underrepresented founders.
How it works
Loans range from $50,000 to $150,000 at an interest rate between 0% and 3%, for a term of up to 5 years with a six-month deferment before the first payment is due. The loan term cannot exceed the business's lease term.
No collateral or personal guarantee is required.
Eligible uses include technology, inventory, purchase or renovation of commercial space, machinery, equipment, furniture, fixtures, and signage. Up to 20% of the loan can support working capital tied to those asset purchases.
The application fee is $100.
Who can apply
The applicant must be a for-profit corporation, partnership, or sole proprietorship.
The startup must have incorporated within the past 5 years and hold an active City of Atlanta business license.
The business must have a scalable, high-impact solution in a technology sector such as AI, SaaS, or FinTech.
The applicant must be current on all personal and business debt.
The business must operate from a home, commercial space, incubator, accelerator, or co-working space in Atlanta.
How to apply
- Confirm your business location is within Atlanta city limits using Invest Atlanta's address checker.
- Download the program's informational flyer for details.
- Complete the application through the online portal (Neighborly Software) and pay the $100 application fee.
Frequently asked
Do I need collateral to get this loan?
No. No collateral or personal guarantee is required.
What can the money be used for?
Technology, inventory, commercial space purchase or renovation, machinery, equipment, furniture, fixtures, and signage, plus up to 20% for related working capital.
How new can my company be?
It must have incorporated within the past 5 years and hold an active City of Atlanta business license.
What's the interest rate and repayment term?
Between 0% and 3% interest, over a term of up to 5 years (and never longer than your lease term), with a six-month deferment before the first payment.
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Reviewed 2026-09-25. Programmes change, so check eligibility, amounts and deadlines on the official page before you apply. CapEasy is a private firm and is not part of any government body.