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Map of the United States with highlights on the following served areas: Kentucky, Maryland, North Carolina, Tennessee, Virginia, Washington D.C., West Virginia
Areas Served
Virginia and contiguous states
Office Locations Richmond, Christiansburg, and Norfolk, VA


Locus lending creates a positive and sustainable impact working with for-profit businesses, non-profits, and municipalities around the Commonwealth to find creative ways to support growth and development.

With a mission to promote a better quality of life for Virginians. VCC has several community impact programs focused in areas of need to spur economic growth and revitalization.


Lending Focus

Affordable housing, small business, food access, clean energy, and health.

Loans At A Glance

Lending Focus:

Affordable housing, small business, food access, clean energy, health

Loan Amounts Provided: $50,000 – $7.5 million

Eligibility Criteria:

  • Varies with loan type


  • Varies with loan type

Loan Types: 

  • Business acquisition
  • Debt refinancing
  • Equipment financing
  • Owner-occupied real estate
  • Working capital lines of credit
  • Construction loans
  • Historic tax credit bridge loans
  • LIHTC (predevelopment, construction, bridge financing)
  • Preferred SBA lender (SBA 7(a), SBA 504, SBA Express)
  • USDA loans
  • Solar loans