When Hurricane Helene struck Western North Carolina, Provisions Mercantile faced overwhelming challenges. As floodwaters rose, uncertainty about the future became a stark reality. The commercial property in Biltmore Village—once a bustling storefront —was submerged under 15 feet of water, leaving behind extensive damage and disruption.

In the wake of the disaster, Partner Community Capital (PCAP) stepped in to provide immediate relief and stability. Within days, PCAP communicated deferred payment options and guidance on grant opportunities and other resources for critical financial support. This assistance gave Provisions Mercantile the breathing room needed to assess damages, work with insurers, and develop a strategic plan for recovery.

PCAP’s offer to defer loan payments allowed the business to shift its focus from immediate financial pressures to developing and implementing a long-term rebuilding strategy. This flexibility ensured that recovery efforts could move forward without the added stress of meeting financial obligations too soon.

In the weeks following the storm, communication remained a challenge due to unreliable internet and phone service. Despite these obstacles, PCAP’s team—including Chief Lending Officer Erika McGilley and other dedicated staff—remained diligent, offering consistent updates, encouragement, and guidance.

“We understand that businesses facing disasters need more than just financial relief—they need a partner who listens and responds with compassion,” McGilley said. “Our goal was to provide the time and space Provisions Mercantile needed to focus on rebuilding without the immediate stress of loan payments.”

For Provisions Mercantile owners Matt and Heather Wright, PCAP’s support meant everything.

“We were in complete shock,” said Matt Wright. “Watching the waters recede from our store, we felt sadness, despair, and intense fear of what the future would hold. PCAP reached out within days, offering not just financial relief, but encouragement and a sense of stability.”

Heather Wright echoed this sentiment. “The relationship we have with PCAP isn’t just transactional—it’s human,” she said. “During those first few weeks, we needed someone to talk to, to think out loud with, to help us process next steps. Erika and the PCAP team were there every step of the way, making sure we felt supported.”

As Provisions Mercantile rebuilt and reopened its doors, the importance of a trusted financial partner became even more evident. Recovery wasn’t just about restoring space — it was about restoring confidence in the future. The relationship with PCAP provided more than just financial aid; it offered reassurance, collaboration, and a sense of community during an incredibly difficult time.

Today, Provisions Mercantile stands as a testament to resilience, strengthened by the partnership that made recovery possible. Their journey highlights the power of responsive, community-driven support and the impact of working with a lender who truly understands the needs of small businesses in times of crisis.