Community Lending

Grow your business with Woodlands

At Woodlands our mission is to work with borrowers who want to start or grow businesses and lack access to capital, funds, or technical experience for any reason.

Woodlands is a CDFI which is a type of lender that is designed to provide responsible, affordable lending to borrowers and communities that are under-served by traditional financial systems. Woodlands makes these loans available to anyone in West Virginia to launch or grow businesses, social enterprises, and support community development projects.

By working with our clients and offering technical and business assistance we are able to mitigate risk and offer loans to someone who might not qualify on the commercial loan market. By being a CDFI we are not only able but required to provide opportunities for low-income and persistent poverty communities to lift themselves out of those designations.

Talk to us about commercial loans and gap financing. We offer cost free technical assistance, financial consulting, and business planning. We can provide you access to low or no-cost services like accounting, attorneys, marketing specialists, web developers, and many other forms of technical assistance.

Small Business Loans

Loans of up to $150,000 for new and growing businesses and non-profits. Can be used for working capital, equipment, inventory, vehicles, and more.

Visit Small Business Loans Page

Commercial Real Estate Loans

Loans of up to $250,000 to help individuals or businesses in West Virginia purchase or improve commercial, mixed-use, or multi-tenant real estate.

Visit Commercial Real Estate Loans Page

Technical Assistance

We offer a wide range of business support starting with access to our expert business advisors who can provide you with access to other professional assistance. Accounting services, continuing education, strategic planning, architecture and engineering services, web developers, marketing assistance and more…

Visit Technical Assistance Page

Relief and Recovery

Special loans designed to help our businesses get back on their feet after COVID-related hardships. These flexible loans give you quick access to capital on favorable terms.

Visit Relief & Recovery Page

Mon Forest Towns Business Initiative

In partnership with the Mon Forest Towns our Business Intiative offers many of our services to an expanded geographic area. This project is intended to support and encourage businesses and entrepreneurs in the Mon Forest area.

Visit Mon Forest Business Initiative Page

Our Service Area

We are able to loan to any business in West Virginia but we have chosen to focus our efforts in 7 counties in North Central WV.

More About Our Service Area

Stories About Some of Our Borrowers

Stories: Microenterprise Loans Support Local Businesses

  Woodlands is pleased to have the support of USDA-Rural Development (USDA RD) in providing lending and technical assistance to small businesses in our region. Through USDA RD we ...

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Stories: How To Make a Big Impact with Small Lending

Carla and Jason Kaposy felt compelled to make an investment that could be pivotal in spurring economic development in their hometown of Petersburg, a Mon Forest Town in Grant ...

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Stories: Big Timber Shows the Big Impact of Small Businesses

Matt and Ashley Kwasniewski were shopping around for startup capital for their craft brewery idea in 2012, just as we opened the doors of Lenders. None of the commercial ...

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Stories: TipTop Of The Iceberg: Leveraging Funding into Large Local Investment

TipTop no longer needs us. The business now has the resources and collateral to qualify for conventional financing. But back in 2012, when Cade and Carrie Archuleta were purchasing ...

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Resources: 2022 Lenders Annual Report & Audit

Click here or image above to view/download full annual report (.pdf)

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Stories: “I’m Very Particular About My Fish”

John Bell, owner and operator of Johnny B’s Campground in southern Randolph County, takes his fishing ponds very seriously. The central feature of a multi-faceted property, his three fishing ...

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