Since 1981, BrightBridge has worked with banks throughout TN to enhance relationships with their business clients. As a nonbank lender, we do not offer the same loans that banks can provide. Instead, we make credit worthy loans that banks do not make, primarily because of policy screen outs, such as startups, lack of adequate collateral, etc. We provide loans through our own Small Business Loan Program and the Small Business Administration (SBA). As an SBA 504 lender, we provide subordinate fixed asset financing with competitive rates to accompany commercial lenders 1st position loans. We are the only Tennessee-based provider of SBA's Community Advantage loan which provides loans up to $250,000 to startups and existing businesses. We are also a Certified Development Financial Institution serving TN and GA. This designation enables us to work with commercial banks of all sizes and locations within their service areas by assisting them with successful CRA strategies and goals, as well as providing needed capital to small businesses. As a New Markets Tax Credit practitioner, we assist banks with creative financing options for projects in locations of high economic distress which helps these projects to get to successful completion, provide quality jobs in communities of need, while providing banks with CRA help.