Provident Business Financial Services, Inc Employee Directory

Financial ServicesSouth Carolina, United States11-50 Employees

Provident Business Financial Services, Inc. is a financial services company based in West Columbia, South Carolina, that operates as a Certified Development Company (CDC) providing SBA 504 loans to business owners across the state. Its offerings center on real estate and equipment financing, with long-term fixed-rate options and a focus on leveraging private sector funding alongside the 504 loan structure. The company also supports refinancings that use 504-eligible purposes and requires a portion of project costs to come from private financing, Provident, and borrower equity, with specific rules for existing loans and start-ups or special-use properties. In practice, Provident works with a business owner’s primary banker or helps identify lending partners, with the SBA 504 loan typically subordinated to private financing. Recently, Provident was recognized by the U.S. Small Business Administration as the top SBA 504 lender in South Carolina.

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