Provident Business Financial Services is an SBA 504 Certified Development Company (CDC). We are licensed and regulated by the Small Business Administration (SBA) and serve to assist economic development in South Carolina.

Provident Business Financial Services provides economic development financing to small businesses by making long-term, low down-payment, reasonably priced fixed-rate loans. Our experienced staff also has the resources to put you in contact with other financing institutions or assist you in applying for other government sponsored programs to meet your financing needs, in the event our SBA 504 program is not right for you. Finally, if you do not have a current relationship with a bank, we can assist you in finding a bank that will work with you to help you meet your needs.

Provident's one ultimate goal is to increase productivity, create new jobs, provide financing options, and increase the local tax base.

Our Staff

Meet our President and CEO, Mr. Black.


Mr. Black has a long and successful history in the world of finance with a wealth of knowledge and experience he’d like to put to work for you.

Mr. Black earned a Bachelor’s of Science degree in Business Administration with majors in Finance and Economics from the University of South Carolina and later completed his coursework for a Masters of Arts in Economics with a focus in Forecasting/Econometrics.  He began his career in the Governor’s Office, Division of Economic Development, administering Community Development Block Grants.  Mr. Black then began working for an economic development financial institution, working his way up to Director of Compliance in Loan Administration.  In 2006, Mr. Black transitioned to Provident Business Financial Services (Provident) to set up its Loan Administration unit.  In 2008, he assumed the duties of President and CEO of Provident, and has grown the business year after year.  Over the last twenty years, Mr. Black has had the privilege of financing many projects – some that were successful and some that were not – which gives him the experience to quickly assess businesses and determine their viability.

His vision and experience could be a real benefit to you and your company.



Meet our Director of Business Development, F.S. “Butch” Mills.

F. S. “Butch” Mills, Jr. is a graduate of Clemson University and The Georgia Institute of Technology with additional studies at Wake Forest University, East Carolina University, Francis Marion University, and The College of Charleston. He is also a graduate of The South Carolina Executive Institute, the National Economic Development Council’s Economic Development Professional Program, The South Carolina Community Development Certificate Institute, and the Francis Marion Rural Leadership Institute.  Butch holds a South Carolina Certified Economic Developer designation and has received the Inspiration Award for Public Service from the Municipal Association of South Carolina.

Butch has 25+ years of Commercial, Industrial, Agricultural, and Retail Lending experience in both private and governmental guaranteed lending programs. He has owned a small business, worked as a business consultant, and managed the administration of an electric cooperative.  He has underwritten, analyzed, developed, presented, packaged, and closed retail, commercial, and government guaranteed loans. He has been both line manager and senior corporate manager of several corporate banks.

Butch has managed, developed, financed, taught, and marketed entrepreneurial programs throughout North and South Carolina. He has also interacted with multiple State and Federal Agencies in South Carolina and currently maintains an excellent relationship with them all.

Butch’s experience and relationships allow him to quickly review your loan request and suggest the best program for your needs.