Business Details
28 Years
experience
Business Loans & Consulting in Maryland
Founded in 1998, Maryland Capital Enterprises (MCE) has dedicated itself to empowering small businesses across Maryland. As a certified SBA, USDA, and CDFI Intermediary Lender, we specialize in providing tailored loan programs, business consulting, and educational resources to underserved entrepreneurs. Our mission focuses on fostering economic growth by supporting startups and expansions, particularly in communities with limited access to traditional financing. With over 25 years of experience, we have facilitated more than $18 million in loans, assisted 500+ businesses, and created or retained over 1,200 jobs.Our team combines deep industry expertise with personalized mentorship, ensuring clients receive strategic guidance aligned with their unique needs. We adhere to rigorous compliance standards and maintain transparent processes to build trust with our clients and partners. Through our Womens Business Center and veteran-focused initiatives, we address specific challenges faced by diverse entrepreneurs, reinforcing our commitment to inclusive economic development.
Services
Business Loans
Business Consulting
Mentoring and Education
Loan Programs
Consulting Resources
Details
- Year established: 1998
Highlights and features
- Certified SBA, USDA, and CDFI lenders with 25+ years of experience
- Personalized business consulting and mentorship programs
- Specialized loan products for startups and expansions
- Free workshops and training tailored to Maryland entrepreneurs
- Dedicated support for women-owned and veteran-owned businesses
Associations and certifications
- SBA
- USDA
- CDFI
What people say
Accessible financing for startups
Expert business consulting
Supportive mentorship programs
Community-focused initiatives
Specialized womens resources
Services
Business Loans
Maryland Capital Enterprises provides tailored loan programs for startups and expanding businesses. Our offerings include microloans up to $35,000, expansion loans up to $50,000, and credit-building loans. These funds support equipment purchases, working capital, and operational growth. We prioritize underserved entrepreneurs, offering competitive interest rates and flexible terms to foster sustainable business development.
Business Consulting
Our consultants assist entrepreneurs with business planning, financial projections, and market analysis. Services include one-on-one counseling, feasibility assessments, and loan application preparation. We help clients develop actionable strategies for launching or scaling businesses. Our expertise covers regulatory compliance, credit improvement, and accessing funding opportunities through personalized advisory sessions.
Mentoring and Education
MCE offers workshops, webinars, and mentorship programs to enhance business acumen. Topics include credit management, financial planning, and operational efficiency. Our Womens Business Center provides specialized training for female entrepreneurs. Participants gain practical skills through structured curricula and peer networking, supported by experienced professionals and industry experts.
Loan Programs
We administer targeted loan initiatives, including the Credit Builder Program for emerging entrepreneurs and the SBA-backed financing options. These programs address diverse needs, from equipment financing to working capital. Each loan undergoes case-by-case evaluation to ensure alignment with borrower capabilities and business goals. Our streamlined application process includes guidance on documentation and collateral requirements.
Consulting Resources
MCE provides comprehensive resources for new business formation, covering legal structure selection, licensing, and credit analysis. We offer templates for business plans, access to federal contracting databases, and assistance with EIN registration. Our goal is to equip entrepreneurs with tools for regulatory compliance and operational success through curated online materials and direct expert support.
People
Maurice Ames
Executive Director
Maurice leads MCE's strategic initiatives, leveraging decades of experience in community development finance. He oversees loan programs and partnerships that drive economic growth across Maryland.
Nick Rudolph
Baltimore Regional Director
Nick manages regional operations, focusing on expanding access to capital for Baltimore-area entrepreneurs. He brings expertise in multicultural banking and small business development.
Jennifer Currie
Director of Finance
Jennifer oversees financial operations, ensuring fiscal sustainability and compliance with regulatory standards. Her background includes nonprofit financial management and grant administration.
Tanya Justice
Director of Loan Operations
Tanya directs loan processing and risk management, with a focus on streamlining access to capital for underserved businesses. She has extensive experience in credit analysis and loan underwriting.
Lisa Twilley
Director of the WBC
Lisa leads the Womens Business Center, providing specialized resources and mentorship to female entrepreneurs across Marylands Eastern Shore.
Questions
Does MCE offer grants for small businesses?
MCE primarily provides loans rather than grants. For-profit businesses typically have limited grant options, though we can guide clients to relevant funding opportunities.
What loan amounts are available?
Loan amounts range from $500 to $50,000 depending on business needs and program eligibility, with terms up to 10 years.
How do I qualify for an MCE loan?
Qualification requires a viable business plan, reasonable credit history, and demonstrated repayment ability. We assist applicants in preparing necessary documentation.
What areas does MCE serve?
MCE serves Maryland’s Eastern Shore counties and Baltimore metropolitan area, supporting businesses in both urban and rural communities.
Are there resources for women entrepreneurs?
Yes, our Women’s Business Center offers tailored loans, mentoring, and training programs specifically for female business owners.
Can I get help writing a business plan?
MCE provides free business plan templates, one-on-one counseling, and workshops to help entrepreneurs develop comprehensive business strategies.