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Find similar grantsMain Street Capital Loan Fund is sponsored by Empire State Development. Offers affordable term loans up to $100,000 for qualifying start-up and early-stage businesses in New York State.
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Main Street Capital Loan Fund | Pursuit Main Street Capital Loan Fund Access up to $100,000 with minimal payments in the first year to start and grow your business When you’re just starting your business, it takes time and capital to get it off the ground and on the road to success. That’s where the Main Street Capital Loan Fund comes in.
Through this $10 million fund in partnership with Empire State Development, you can access up to $100,000 with minimal payments in your first 12 months. You’ll get the capital you need to create a strong foundation and the breathing room to repay your loan as you focus on starting your business.
Start your pre-application questionnaire Competitive fixed interest rate Only minimal payments for the first year For startups and early-stage businesses What is the Main Street Capital Loan Fund? The $10 million Main Street Capital Loan Fund offers capital to New York-based start-ups and early-stage businesses up to four years in operation.
Through this program, you can access up to $100,000 in funding at a fixed interest rate with affordable monthly payments. Efforts will be made to ensure geographic distribution throughout NYS and serving Socially and Economically Disadvantaged Individual Owned Business (SEDI) and Very Small Business (VSB) entrepreneurs under 10 employees. Main Street Capital Loan Fund Details Loan amount: $10,000 to $100,000 Interest rate: fixed at 9.
90% Term: up to 6 years; first year of interest-only payments at a reduced rate of 7. 75% with full principal and interest payments going forward Fees: 2% closing fee, or $500 if your loan amount is less than $25,000 Timing: Completed applications are generally evaluated for approval within 2 to 4 weeks from receipt of a full application Is the Main Street Capital Loan Fund right for me?
If you’re starting a New York-based business and you’ve been in operation for 4 years or less, you could be a good fit for the Main Street Capital Loan Fund!
You’re a good candidate for the program if: You’re a New York-based business You’re a U.S. citizen/green card holder You’ve got a startup business with 2 years or less in operation, or you’re an early-stage business up to 4 years in operation You have an active commercial lease, identified business location, or proof of operation outside the home to the satisfaction of the lender Your business has fewer than 100 employees The average personal credit score of all owners with 20%+ ownership is 640 or higher You don’t have any open liens or judgments You don’t have any prior bankruptcies for you or your business in the last seven years You can show that you’ve repaid previous government loans as agreed You’re current on your government and local taxes You have several recent years of demonstrated industry experience, preferably in a management capacity Your principal(s) and/or business have no felony history If you’ve been in business for two to four years, you’ll also need to provide proof of sufficient cash flow for debt payments.
Please note that we do not lend to money-service businesses; “passive” businesses engaged in owning, purchasing, leasing, or re-selling real estate or other assets; or those operating in sin industries. Start your pre-application questionnaire What can you use the Main Street Capital Loan Fund for? You can use the Main Street Capital Startup Fund for nearly any business purpose.
It’s a great solution for: Furniture, fixtures, machinery, and equipment Please note that proceeds cannot be used for payment of back taxes owed; settlements of lawsuits, trade disputes, fines, or penalties; or personal, non-business uses. What documents will you need to apply for the Main Street Capital Loan Fund? The Main Street Capital Loan Fund application is a two-step process.
First, you’ll complete a pre-application questionnaire and your answered will determine your eligibility for the program. If you’re eligible, you’ll then be invited to complete a full application and submit all required documents.
To submit a complete application, you’ll need the following: A written business plan, or equivalent document, and 2 years of financial projections (for businesses less than 2 years in operation) A demonstrated equity contribution or ability to inject new equity of at least 10% of your total project cost All owners with 20% or more ownership will need to submit: Government-issued photo IDs Personal financial statements Most recent 2 years of personal tax returns Most recent 2 months of personal bank statements For existing businesses, you’ll need: Most recent 2 years of business tax returns, if available Interim 2024 financials dated within 120 days, including profit & loss statement and balance sheet, for operating businesses Most recent 2 months of business bank statements Start your pre-application questionnaire When you apply for the Main Street Capital Loan Fund, you’ll be working with a lender with nearly 70 years of business lending experience.
We’ll be with you every step of the way through the application process to answer your questions and guide you to the finish line. We look forward to learning more about your business and working together! The Main Street Capital Loan Fund is made possible in partnership with Empire State Development.
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Based on current listing details, eligibility includes: Start-up and early-stage businesses in New York State. Applicants should confirm final requirements in the official notice before submission.
Current published award information indicates Up to $100,000 Always verify allowable costs, matching requirements, and funding caps directly in the sponsor documentation.
The current target date is rolling deadlines or periodic funding windows. Build your timeline backwards from this date to cover registrations, approvals, attachments, and final submission checks.
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Manufacturing Grants (Jeff Lawrence Innovation Fund) is a grant from FuzeHub, funded by Empire State Development's Division of Science, Technology and Innovation (NYSTAR), that funds technology development and commercialization for New York State manufacturing companies. Named for manufacturing champion Jeff Lawrence and launched in 2016, the program provides $1 million or more annually across three tracks: Manufacturing Grants, Commercialization Competition, and an Innovation Challenge. Individual Manufacturing Grants of up to $50,000 require collaboration between New York State small to medium-sized manufacturers and eligible nonprofits, including nonprofit higher education institutions. Round 1 of the 2026 Manufacturing Grants cycle is open with a May 7, 2026 deadline.
Global NY Grant Program is sponsored by New York State Department of Economic Development (Empire State Development). This program offers reimbursable grants to help New York State businesses expand their global exports through trade shows, market customization, and product adaptations for foreign regulations. It supports small and medium-sized businesses and nonprofits that assist with export education and trade activities.
The purpose of this FOA is to provide funding for up to four (4) Tribal Colleges and Universities (TCUs) that will provide entrepreneurial development services to Native American communities, focusing on supplying services to socially and economically disadvantaged entrepreneurs in locations that are outside of the geographical areas of existing SBA resources. Eligible applicants must be Tribal Colleges and Universities as defined in the Higher Education Act HEA 316 (U.S.C. 1059c). Funding Opportunity Number: SB-GC7J-23-002. Assistance Listing: 59.007. Funding Instrument: G. Category: BC,ED. Award Amount: Up to $250K per award.
The purpose of this FOA is to provide funding for up to two (2) private, non-profit organizations that will provide entrepreneurial development services to women, with an emphasis on socially and economically disadvantaged entrepreneurs in locations that are outside of the geographical areas of existing WBCs for the District of Columbia (DC) and the State of Oregon. There will be one award for each location. Eligible applicants must be private, non-profit organizations with 501(c) tax exempt status from the U.S. Treasury’s Internal Revenue Service and must provide services to the District of Columbia (DC) and State of Oregon. Funding Opportunity Number: SB-OEDWB-23-002. Assistance Listing: 59.043. Funding Instrument: G. Category: BC,CD,RD. Award Amount: $75K – $150K per award.
Small Business Innovation Research and Small Business Technology Transfer Programs Phase I is sponsored by U.S. Department of Agriculture (USDA) National Institute of Food and Agriculture (NIFA). The USDA SBIR/STTR programs support small businesses in creating innovative, disruptive technologies with commercial potential or societal benefit, including projects dealing with agriculturally-related manufacturing and alternative and renewable energy technologies. Specialty tubing could be relevant for agricultural equipment or renewable energy systems.