Skip to content
Best Business Loan Lenders shieldBest Business Loan Lenders
Powered byLevrGet help choosing
Three Roots Capital logo

Three Roots Capital

Listed
Direct business lender for term loans and commercial real estate loansKnoxville, TennesseeBased in Tennessee; service area not yet provided
BBLL 000638Listed Nov 2026From public recordsLast checked Nov 1, 2026
Request contactIs this your lender? Claim it

About

Three Roots Capital provides commercial loans and impact capital for businesses and community projects in Tennessee and surrounding Appalachia.

Direct business lender. Directly funds business financing; products and terms depend on the lender.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Term loansCommercial real estate loansStartup funding
General small business
From the lender's own site and public records.

A second look at Three Roots Capital

Three Roots Capital provides commercial loans and impact capital for businesses and community projects in Tennessee and surrounding Appalachia.

Direct CDFI commercial lender and impact investor; debt and equity programs are distinct.

Published by Levr, not by Three Roots Capital. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked November 1, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Commercial and impact debt

Projects
Commercial loans support job-creating small businesses, commercial property, community facilities, affordable housing and rural microbusinesses.
Subordinated capital
The Impact Fund can provide subordinated or mezzanine debt alongside equity investment when senior debt is insufficient.
Startup fit
Selected startups with experienced leadership may be considered with a comprehensive business plan and detailed projections.
Eligibility
Businesses generally need a Tennessee or surrounding Central/Southern Appalachia location, with community-impact reporting during the financing relationship.

Provider sources: Products and services · Preparing for financing

When it may fit

Our assessment of the published programs

  • Experienced operators with community-impact projects or financing needs beyond a conventional senior bank loan.

What to weigh carefully

  • Confirm the program’s geography, qualifying census tract and impact criteria; exceptions are individually assessed.
  • Restaurants, retail clothing, speculative property and several other activities generally are not funded, with limited case-by-case exceptions.

Questions before you accept an offer

  1. Which program and legal financing entity will fund this request?
  2. What security, owner contribution, fees and repayment conditions apply?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Huntington Bank

Huntington provides SBA and business loans for eligible regional companies.

PNC Bank

PNC offers commercial and SBA finance across regional markets.

The lender

Type
Direct business lender
Legal name
Not yet provided Add it
Founded
Not yet provided Add it
Charter
Not yet provided Add it
Headquarters
Knoxville, Tennessee
Service area
Based in Tennessee; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
3rootscapital.org
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

More lenders in Tennessee

All of Tennessee
BO
Bank of TennesseeListed
Bank of Tennessee offers equipment, working-capital, real-estate and ownership-transition financing. Its business pages describe machinery and computer purchases alongside customized commercial lines.
BanksBusiness acquisition loansCommercial real estate loansUnclaimed
Kingsport, TN
BrightBridge Capital logo
BrightBridge CapitalListed
BrightBridge Capital provides nonprofit and for-profit business lending through its CDFI loan fund and SBA 504 work, with fixed-asset and community-development financing often paired with a bank.
CDFIs and community lendersTerm loansSBA 504 loansUnclaimed
Chattanooga, TN
Carter Funding logo
Carter FundingListed
Carter Funding purchases business receivables from startups and established firms, with selective invoice funding and customer-credit limits. Its FAQ describes renewable 12-month agreements and recourse repurchase of invoices that remain unpaid.
Factoring companiesInvoice factoringWorking capital loansUnclaimed
Memphis, TN
FH
First Horizon BankListed
First Horizon’s BizEssentials term loan has separate secured and unsecured amount limits. Its SBA process includes an underwriting decision followed by a distinct closing stage.
BanksEquipment financingTerm loansUnclaimed
Memphis, TN
Powered byLevrStanding rises on evidence, never on payment.