Financing Designed Around Your Business

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CAEDC understands that traditional financing can only take a business so far. Through Cumberland Capital + Connection, we partner with local lenders to build customized loan packages that help businesses access capital on more flexible terms, including considerations that support healthier debt-to-income positioning, preserve your working capital for day-to-day operations and growth, and provide low-interest, fixed-rate financing options that offer greater predictability over time.

Smarter Financing in Action

The Scenario: A Cumberland County manufacturer planned a $750,000 expansion to increase production capacity. We compared a traditional loan structure with a customized financing package through CAEDC.

Traditional Financing

Structure:

  • 80% bank financing at 7.75% (prime + 1%)
  • 20% equity required

Financing Snapshot:

  • $150,000 upfront cash
  • ~$4,950/month
  • ~$588,000 total interest

⭐ Lower monthly payment, but higher upfront burden and reduced flexibility for growth.

CAEDC + Bank Partnership

Structure:

  • 50% bank financing
  • 40% CAEDC loan at 5.75%
  • 10% equity required

Financing Snapshot:

  • $75,000 upfront cash
  • ~$5,200/month
  • ~$573,000 total interest

⭐ Preserve capital today while benefiting from long-term savings and greater flexibility.
Rates subject to change in accordance with the Federal Prime Rate.
The Real Impact: This example shows the real impact of using CAEDC’s customized funding to provide a growth-oriented solution, resulting in maximum flexibility for the borrower.
$75,000 Upfront
Retain Cash for Growth & Operations		 6.85%
Lower Blended Rate		 $15,000
Estimated Interest Savings

See What’s Possible for Your Project

Every project is different. That’s why we customize every financing package to fit your business goals. Submit your information below and we will generate a preliminary financing estimate based on your unique financing needs.

For planning purposes only. Final loan terms, rates, and funding amount are subject to underwriting and loan committee approval.

  • Personalized Guidance: Local experts who understand your business goals and financial needs – then tailor solutions that make financing simple, approachable, and effective.
  • Deep Local Connections: As Cumberland County’s lead-certified Economic Development Organization (EDO), we connect you with a robust network of community resources and funding partners.
  • Competitive Low Interest, Fixed-Rate Loans: We help secure affordable financing to help you launch, grow, or scale your operations – all with rates that make sense for your bottom line.

 

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