Rise Business Funding

Long-Term Business Loans in Memphis, Tennessee

Memphis powers one of the South's most dynamic economies, with a thriving logistics and distribution sector anchored by its position as a major freight hub, alongside a rich food and beverage culture, growing healthcare industry, and a resilient community of independent retailers and service businesses seeking capital to grow.

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$5K to $5M

Funding range available to Memphis businesses through our lender network

Decisions in 24 Hours

Fast credit decisions so Memphis business owners spend less time waiting

All 50 States

Rise Business Funding connects businesses across Tennessee and the entire country

About Long-Term Business Loans in Memphis

A Memphis venue owner signs a lease on a second Beale Street location in January, knowing that tourism revenue won't peak until spring. The build-out costs are real and immediate, but the cash flow to cover them is months away. That gap is exactly where long-term business loans do their heaviest lifting, spreading repayment across multi-year terms so that capital deployment and revenue generation stay aligned rather than in conflict. Memphis businesses face this timing problem in concentrated form. Tourism in the Memphis metro generated a record $4.3 billion in visitor spending in 2024, supporting more than 28,000 local jobs, yet the businesses that capture that spending often carry their largest fixed costs in the off-peak months before the dollars arrive.

The Memphis Medical District, a 250-acre downtown campus anchoring institutions like St. Jude Children's Research Hospital and Methodist Le Bonheur Healthcare, anchors a dense ecosystem of independent providers and service businesses that need capital for equipment, facility upgrades, and staffing. Healthcare business loans with longer repayment schedules match the reimbursement cycles and capital intensity that define this sector. Across the city in North Memphis, distribution operators near the Nike campus and the FedEx Express global superhub at Memphis International Airport routinely finance fleet expansions and warehouse buildouts through structured debt. Transportation and material moving occupations accounted for 17.6% of Memphis area employment in May 2024, nearly double the 8.9% national share, making trucking business loans and equipment financing core financing tools in this market.

Tennessee's absence of a state personal income tax reduces the carrying cost of debt for pass-through business owners, an advantage worth factoring into any multi-year financing plan. For Memphis operators in music and entertainment, healthcare, or the chemical and advanced manufacturing suppliers serving the broader Tennessee industrial corridor, Rise Business Funding structures loan terms around your revenue calendar rather than a generic repayment schedule. Use the business funding calculator to model repayment before you apply.

Financing Options in Memphis

Every product Rise Business Funding offers is available to Memphis businesses. Choose the structure that fits how you want to access and repay capital.

Long-Term Business Loans

Borrow a lump sum and repay over an extended term, giving your Memphis business the capital to invest in growth without compressing your cash flow. Ideal for expansions, renovations, and large equipment purchases.

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SBA Loans

SBA loan programs offer government-backed financing with competitive terms and longer repayment windows, making them well suited for established Memphis businesses with strong revenue history. Lenders in our network can help you navigate the application process.

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Term Loans

Fixed-amount term loans provide predictable monthly payments and a clear payoff date, helping Memphis business owners plan budgets with confidence. These products work across industries from logistics to healthcare to food service.

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Business Line of Credit

A revolving line of credit lets Memphis businesses draw funds as needed and repay on a flexible schedule, making it a strong complement to long-term financing for managing seasonal fluctuations or unexpected expenses.

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Equipment Financing

Memphis logistics operators, food processors, and contractors can finance machinery, vehicles, and equipment with repayment terms aligned to the asset's useful life, preserving working capital for day-to-day operations.

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Revenue-Based Financing

Revenue-based financing repays as a percentage of monthly revenue rather than a fixed amount, giving Memphis businesses with variable income a more flexible long-term repayment structure tied to actual performance.

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Requirements to Qualify

Memphis businesses typically meet the following thresholds. Even if you fall short on one factor, Rise Business Funding evaluates your full financial picture.

Minimum FICO Score

600+

Most lenders in our network look for a personal credit score of at least 600. Memphis business owners with stronger credit profiles typically access larger loan amounts and more favorable repayment terms.

Monthly Revenue

$25,000+

A monthly revenue of at least $25,000 helps demonstrate that your Memphis business generates consistent income to support long-term loan repayments. Larger revenue typically unlocks larger funding amounts.

Time in Business

6+ Months

Lenders generally prefer businesses operating for at least six months. Memphis businesses with a longer operating history often qualify for extended terms and improved loan structures.

Business Bank Account

Required

An active business bank account is required to verify revenue and process funding. Keeping your business finances separate from personal accounts strengthens your application with lenders in our network.

How It Works in Memphis

1

Apply Online in Minutes

Complete a simple application with basic information about your Memphis business, including time in operation, monthly revenue, and the funding amount you need. No lengthy paperwork to start.

2

Receive a Funding Decision

Rise Business Funding matches your application to lenders in our network suited to your profile. Most Memphis applicants receive a funding decision within 24 hours of submitting their application.

3

Access Your Funds

Once approved and agreements are signed, funds are deposited directly into your business bank account. Many Memphis business owners receive their capital within a few business days of approval.

Why Memphis Business Owners Choose Rise Business Funding

  • Local Market Awareness

    Rise Business Funding understands the Memphis business landscape, from the freight corridors near the port to the independent shops and restaurants that define neighborhood communities across the city.

  • Broad Lender Network

    We connect Memphis businesses with a wide network of vetted lenders offering long-term loan structures, SBA products, equipment financing, and more, increasing your chances of finding the right fit.

  • Fast and Transparent Process

    Our application takes minutes, decisions arrive quickly, and there are no hidden fees or surprises. Memphis business owners get clear terms before committing to any financing arrangement.

  • Flexible Funding Amounts

    Whether your Memphis business needs $5,000 or $5,000,000, our lender network can accommodate a wide range of capital needs across industries and business sizes.

Industries We Serve in Memphis

From the dominant sectors of the Memphis economy to the small operators that keep neighborhoods running, Rise Business Funding works across every legitimate industry.

Tennessee-Specific Resources

Memphis small businesses have access to several mission-driven funding resources that complement private financing from Rise Business Funding. Fund Tennessee, the state's SSBCI 2.0 program, channels $47 million through its LendTN component via certified CDFIs across all 95 counties, prioritizing socially and economically disadvantaged borrowers. Pathway Lending, the only CDFI endorsed by the Tennessee Bankers Association, offers term loans and commercial real estate financing statewide and participates directly in the LendTN program. Hope Credit Union extends small business loans across Tennessee with a strong track record in economically distressed areas. These public and nonprofit programs are often best used alongside, not instead of, faster private capital. Where a CDFI or SBA-backed product involves longer underwriting timelines, Rise Business Funding can deploy long-term loan capital while your public-program application works through the approval process.

Fund Tennessee

Tennessee's State Small Business Credit Initiative (SSBCI 2.0) program, administering $117 million in federal funding statewide through three components: LendTN (a $47 million debt program delivered via Treasury-certified CDFIs across all 95 counties), InvestTN (equity investments into Tennessee-located startups at the pre-seed and seed stages), and AssistTN (technical assistance to help SEDI-owned and very small businesses become capital-ready). At least 58% of loaned dollars must serve socially and economically disadvantaged individuals.

fundtennessee.org

Pathway Lending

Nashville-based, U.S. Treasury-certified CDFI and the only CDFI endorsed by the Tennessee Bankers Association, offering small business term loans, lines of credit, equipment and commercial real estate financing starting at $5,000 (average small business loan size of $202,000 in 2024), with a focus on veteran-, women-, minority-, rural, and low-to-moderate-income borrowers across all regions of Tennessee. Pathway is a participating lender in the LendTN program under Fund Tennessee and has delivered more than $587 million in direct lending over 25 years.

pathwaylending.org

LiftFund

Treasury-certified nonprofit CDFI operating a Tennessee-specific lending portal, offering SBA Community Advantage loans (up to $350,000, 7 to 10 year terms) and microloans to small businesses in Tennessee that do not qualify for traditional bank financing, with particular emphasis on underserved entrepreneurs including minorities, women, and veterans. LiftFund has deployed nearly $1 billion in funding to more than 28,000 business owners across 13 states, with Tennessee as a primary service market.

tennessee.liftfund.com

SBA Tennessee District Office

The U.S. Small Business Administration's single district office for Tennessee, located in Nashville, serves all 95 counties of the state and delivers SBA 7(a) loans, 504 loans, and microloans through more than 120 approved lending partners, which collectively approved over $670 million in SBA-backed loans for Tennessee businesses in Fiscal Year 2025. The office also provides counseling referrals, federal contracting certifications, and disaster recovery assistance.

sba.gov

Hope Credit Union

Treasury-certified CDFI credit union serving the Deep South including Tennessee, providing small business loans up to $250,000 and commercial loans above that threshold, with 64% of small business loans historically going to Black-owned businesses and 74% made in economically distressed regions. HOPE also administers the Spectrum Community Investment Loan Fund, which explicitly covers Tennessee, and offers start-up loans, business real estate lending, and SBA-sponsored financing for businesses in underserved areas.

hopecu.org

Tennessee Small Business Development Center

Statewide network of Small Business Development Centers hosted by Middle Tennessee State University in Murfreesboro and accredited by the National Association of Small Business Development Centers, providing free, confidential consulting on business planning, financial projections, loan packaging, and market research to Tennessee entrepreneurs at every stage. The TSBDC also serves as the designated technical assistance partner for the AssistTN component of Fund Tennessee (SSBCI).

tsbdc.org

Frequently Asked Questions

About Funding in Memphis

Long-term business loans in Memphis, Tennessee are financing products with repayment periods typically extending from two years up to ten years or longer, depending on the lender and loan type. They are structured to fund significant investments such as equipment purchases, facility renovations, business acquisitions, or sustained working capital needs. Lenders in our network offer a range of long-term structures, including conventional term loans, SBA-backed loans, and revenue-based products, each with varying rates and eligibility criteria tailored to the borrower's financial profile.

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