Partner Community Capital

Partner Community Capital provides flexible, affordable loans and advisory services to small to mid-sized businesses, farms and nonprofit enterprises. Loans include working capital, equipment and real estate; senior and subordinated.


Partner Community Capital is a community development lender based in Charles Town, West Virginia, that serves 7 states in Central Appalachia and the Southeast. Partner Community Capital provides flexible and affordable loans and advisory services to businesses, farm and nonprofit enterprises that can’t access traditional financing, for whatever reason. Our overall goal is to support environmentally responsible, local business development and job creation. We specialize in:

  • food/farm
  • ecotourism and recreation
  • clean energy and efficiency
  • downtown redevelopment
  • small manufacturing
  • health and other care industries. 

We understand that capital alone isn’t enough to make businesses succeed. Therefore, we provide advisory services to our borrowers, so they can make the best use of the loans they receive. We also host the WV Women’s Business Center which specializes in providing counseling, training and mentorship to historically underserved businesses – such as women and minority owned businesses. Find out more about the WV WBC  as a separate listing in this directory or our website.

Partner Community Capital makes loans for working capital, equipment and real estate, from $25,000 up to $1 million. We can provide senior or subordinated debt, working in partnership with your bank or another lender. Our capital is considered “equity like” by some banks. Our rates are based on risk and tend to be slightly higher than banks; short-term loans tend to be fixed rate, while longer term loans tend to be variable. Terms are based on loan use, such as:

  • 1-3 years for working capital
  • 3-7 years for equipment
  • up to 15 years for real estate

Our lenders and business advisors will take time to understand your business, offer advice, and work with you to structure a loan that works in your best interest. Partner Community Capital has offices in West Virginia and North Carolina. To learn more, visit our website ( or contact our Senior Lender Kevin O’Connor ([email protected]). 

Partner Community Capital  is an approved USDA Business & Industry Guaranteed Lender, USDA Rural Energy for America Program (REAP) Guarantee Lender, SBA Community Advantage, and SOAR Fund lender. Partner Community Capital is an Equal Opportunity Provider. 

Services Provided

Economic and Site Development

  • Economic Development
  • Revitalization
  • Tax Credits

Buying or Selling a Business

  • Buying or Selling a Franchise
  • Employee Stock Ownership Plan (ESOP)
  • Purchasing or Selling an Existing Business (Specialty)
  • Valuation

Business Planning

  • Business Plan Consulting (Specialty)
  • Business Succession Planning (Specialty)
  • Diversification
  • Feasibility Studies
  • Forming a Business
  • Market Plan Development
  • Market Research

Financial Resources and Assistance

  • Accounting and Bookkeeping
  • Debt Funding Preparation
  • Financial Modeling
  • Financial Statement and Cash Flow
  • Loan Providers (Specialty)
  • Microloan Providers
  • Real Estate Finance (Specialty)
  • Revenue Based Financing (i.e. factoring)
  • Tax Credit Providers

Legal Services

  • Contract Review

Marketing and Sales

  • E-Commerce/Internet Marketing
  • Feasibility Studies
  • Market Plan Development and Training
  • Market Research
  • Website Development

Nonprofit and Social Enterprise

  • Accounting
  • Strategic Planning
  • Technical Services

Public Policy and Government Relations

  • African-American Business
  • Small Business Policy
  • State Business Issues
  • Women’s Business Issues

Starting a Business

  • Feasibility Studies
  • Forming a Business
  • Registration, Licenses and Permits
  • Startup Business Counseling

Tax Services

  • Tax Credits

Technical Assistance

  • Website Development


  • Budget, Cash Flow and Financial Statements Training
  • Business Management Training
  • Business Plan Training and Assistance
  • E-Commerce/Internet Marketing
  • Marketing Plan Training
Contact Information
Kevin O’Connor
106 W. Washington Street
Charles Town, WV 25414