MS · State guide

Business loans in Mississippi

Mississippi businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 10 state programs on file with published terms.

3 cities covered Checked 14 Sep 2026
Get funding in Mississippi See the shortlist

Where to start in Mississippi

No lender here publishes a state-by-state availability list naming MS, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.

  1. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  2. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  3. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  4. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  5. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  6. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  7. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  8. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  9. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  10. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  11. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
  12. 78%

    Credibly

    $5K – $10M As fast as 4 hours after approval Credit from 550
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

What Mississippi itself funds

Mississippi CDFI Small Business Loan Fund (SSBCI)Administered by Mississippi Development Authority, deployed through approved non-depository CDFIs. Loan participation funds provided to non-depository CDFIs so they can lend to Mississippi small businesses and startups. Published amounts: $45 million program allocation (no published per-borrower cap on this page). Eligibility as published: Non-depository CDFIs approved by MDA; end borrowers are Mississippi small businesses and startups.
Small Business Loan Guaranty Program (SBLGP)Administered by Mississippi Development Authority, Financial Resources Division, through participating financial institutions. "acquire, renovate or expand buildings, acquire machinery and equipment, for working capital, or for other eligible business purposes" - term loans and lines of credit. Published amounts: Loans up to $500,000 or 50% of total project cost, whichever is less. Guaranty "up to 50 percent for projects involving working capital and lines of credit" and "up to 80 percent for loans used to finance fixed assets". Maturity "up to the maximum maturity of 15 years". "Interest is charged on the SBLGP loan guaranty. Interest and payment terms are negotiated between the participating financial institution and the small business." SSBCI allocation to this program: $15 million. Eligibility as published: Mississippi small businesses with fewer than 250 full-time employees and less than $7,000,000 in gross revenues or $1,000,000 in profit after taxes; Mississippi non-profits using financing for business purposes.
Venture Capital Program - InvestMS (SSBCI)Administered by Mississippi Development Authority; managed by Innovate Mississippi. Investment into venture capital funds that support Mississippi startups, to attract and retain high-growth businesses. Published amounts: $15 million program allocation. Eligibility as published: Venture capital funds investing in Mississippi startups.
Direct Investment Program - InvestMS for Startups (SSBCI)Administered by Mississippi Development Authority; managed by Innovate Mississippi. Direct equity investment in Pre-Seed, Seed and Series A stage startups alongside a lead investor. Published amounts: $11 million program allocation. Larger deals "up to $3 million with an SSBCI match of up to $1 million"; other SSBCI deals receive matching funds "up to $500,000". Eligibility as published: Pre-Seed, Seed and Series A stage Mississippi startups; a lead investor must participate.
SSBCI Technical Assistance ProgramAdministered by Mississippi Development Authority; delivered by the Mississippi Small Business Development Center (SBDC). Legal, accounting, financial management and loan application assistance to help businesses become credit-ready. Eligibility as published: Mississippi small businesses, with focus on socially and economically disadvantaged businesses.
Minority Business Enterprise (MBE) Loan ProgramAdministered by Mississippi Development Authority, with loans administered by Mississippi Planning and Development Districts, Small Business Investment Corporations and Community Development Corporations. "Land acquisition, building acquisition, renovation or expansion, working capital, the purchase of machinery or equipment." Published amounts: Maximum "50 percent of the total project cost or $250,000, whichever is less". Interest rate "Ranges from two percent below to two percent above the Federal Reserve Discount Rate". Terms: working capital maximum 7 years; machinery and equipment maximum 10 years; land and buildings maximum 15 years. Eligibility as published: Socially and economically disadvantaged minority and women-owned businesses in manufacturing, warehouse, distribution or retail sectors. Owner's personal net worth may not exceed $500,000 after excluding personal residence and business equity.
Minority Business Micro Loan ProgramAdministered by Mississippi Development Authority. General small business financing for minority- and women-owned businesses. Published amounts: "Maximum loan amount is $35,000". Eligibility as published: Socially and economically disadvantaged minority- and women-owned businesses.
Capital Access Contract Loan ProgramAdministered by Mississippi Development Authority. Financing for businesses performing contracts with public entities, aimed at borrowers who have difficulty obtaining conventional loans. Eligibility as published: Businesses with fewer than 50 full-time employees, or socially and economically disadvantaged businesses as defined by the U.S. Small Business Act.
Minority Surety Bond Guaranty ProgramAdministered by Mississippi Development Authority. Surety bond guarantees for construction and building trade contracts. Eligibility as published: Socially and economically disadvantaged minority businesses.
Small Business and Existing Forestry Industry Loan ProgramAdministered by Mississippi Development Authority. Expansion and development financing for small businesses and forestry industry companies. Published amounts: "Low-interest loans" - no dollar limits, rates or terms published on the page. Eligibility as published: Qualified enterprises in Mississippi; forestry industry companies.

Federal money behind these programs

Mississippi was allocated $86,078,447 under the federal State Small Business Credit Initiative, which is what funds most of the credit enhancements above. SSBCI money reaches businesses through participating lenders rather than from the state directly, so the application still goes through a bank or a CDFI.

What we could not confirm

15 municipalities with 2020 census population of 25,000 or more. Just below the threshold and excluded: Starkville 24,360; Ridgeland 24,340; Columbus 24,084. The first pass over the Wikipedia municipalities list omitted several qualifying rows (Olive Branch, Greenville, Horn Lake, Oxford); the list above is the union of three separate passes over the same page requesting different population bands, so each entry was seen at least once and the omissions were caught. MDA's public financing pages publish qualifications documents rather than full term sheets for several programs (Capital Access Contract Loan, Minority Surety Bond Guaranty, Small Business and Existing Forestry Industry Loan), so amount_range is null for those rather than estimated. mississippi.org/financial-resources/ returns 404; the working entry points are mississippi.org/minority-small-business-loans/ and mississippi.org/state-small-business-credit-initiative/.

Cities in Mississippi

GulfportJacksonSouthaven

More for Mississippi

GuideSmall business funding in Mississippi: the biggest slice of state capital went to CDFIs, not banks Mississippi routed most of its federal small business allocation through non-depository lenders, which changes who can actually reach it.

Business funding in Mississippi — common questions

Can I get business funding in Mississippi?

Yes. 12 funders in this directory serve businesses in Mississippi, and 0 of them name Mississippi explicitly in their published availability rather than being included by default.

Does Mississippi require lenders to disclose the cost of business financing?

Mississippi's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in Mississippi?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in Mississippi?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in Mississippi?

Through Mississippi's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in Mississippi?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in Mississippi change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.