Small Business Loans

We are on a mission to help clients in Mississippi and Alabama become business owners or expand their small business through a variety of tailored lending services and coaching. Create an account and start the application below to get started today!

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Commercial Loans for Mississippi & Alabama Businesses

RCLF wants to work with you to tailor a loan that meets your specific needs. Let us assist you in creating, developing, or expanding your business successfully.

RCLF Business Loans

Loan Terms

Our small business loans in Mississippi and Alabama may be extended for working capital, equipment financing, and/or leasehold improvements. Each loan is tailored for your business’ specific needs.

Real Estate

Amortized/fixed rates are offered for up to 20 years on real estate loans.

Interest Rate

The interest rate is one of the most important components for you to know. While our rates vary depending on market rates, risk, and loan term, the rates remain competitive with other mainstream financial institutions. Rates may be fixed or variable.

Catapult Business Loans

Catapult Loans are business loans for $25,000 or less. Applying for a Catapult loan is a streamlined process that is based largely on credit scores. Existing and start-up businesses may receive approval in as few as three (3) business days!

The loans have terms of up to 60 months, competitive interest rates, and no pre-payment penalties.

Small Business Administration (SBA) Microloans

SBA Microloans are business loans for $50,000 or less. The loans have terms of up to 72 months.

Use these funds for:

  • Business Start-Up
  • Working Capital 
  • Refinance Debt
  • Leasehold Improvements
  • Gap Financing
  • Equipment Purchases

Commercial Products

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Technical Assistance & Business Coaching

RCLF provides each of our clients with Technical Assistance. Technical Assistance is a form of business coaching that we provide to business owners regarding loan structure, loan application preparation, business plan writing, finding a lender, and sustainable business practices. We will also work with any existing provider of technical assistance to ensure that you have all of the resources you need to be successful!

Small Business Success Stories

Visit our YouTube page to see inspiring success stories from multiple businesses such as Murky Waters BBQ & Blues, Everything KayakMcInnis 12 Bone BBQJACO Machine & Fabrication, and more!

Apply for a Loan Online

Start your business loan application online through our loan application portal.

Gulfport, MS

Gulfport, MS

8917 Lorraine Rd
Gulfport, MS 39503
Hattiesburg, MS

Hattiesburg, MS

140 Mayfair Road, Suite 1900
Hattiesburg, MS 39402
Mobile, AL

Mobile, AL

574 Azalea Rd, Suite 124
Mobile, AL 36609
Tupelo, MS

Tupelo, MS

431 W. Main Street, Ste 400
Tupelo, MS 38804