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Main Street Capital Loan Fund is sponsored by Empire State Development (New York State). This fund, part of the SSBCI initiative, provides qualifying start-up and early-stage businesses in New York with access to affordable term loans for capital needs.
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Main Street Capital Loan Fund | Empire State Development Main Street Capital Loan Fund In partnership with Pursuit, the $10-million Main Street Capital Loan Fund (MSCLF) makes term loans of $100,000 or less available for start ups and early-stage businesses, particularly businesses in or of communities that have historically faced challenges in obtaining adequate credit or favorable terms.
MSCLF loans can be used for working capital, acquiring equipment and other essential assets, and hiring talent. To apply for an MSCLF loan, businesses must complete a pre-application on Pursuit’s online platform (linked below). If approved, the MSCLF loan will be at a fixed interest rate and require only interest payments for the first year.
After the first year, Pursuit will evaluate the borrower’s cash flow and revenue projections to determine if they may continue making interest-only payments for an additional year. Any deferred interest will be added to the loan balance, and both principal and interest will be amortized over the remaining term of the loan in equal monthly payments.
To qualify for an MSCLF loan, eligible businesses must: Be owned by a New York State resident Operate in New York State Employ 100 or fewer full-time employees Maintain annual revenue of under $5 million Be a startup or early-stage business in operation for fewer than 4 years Provide a personal guarantee from owners with more than a 20% ownership stake Eligible uses of MSCLF loans: Loan Terms & Restrictions MSCLF loan terms include: Interest fixed at 9.
90% APR Principal deferred for the first year with interest-only payments and amortized over the remaining term of the loan in equal monthly installments Refinance or eliminate existing debt or equity Repay delinquent income taxes unless the borrower has a payment plan in place Repay taxes held in trust or escrow (e.g., payroll or sales taxes) Reimburse owners for an equity investment Purchase any portion of the business’s ownership interest Acquire or hold passive investments in real estate Click here to start the pre-application process for an MSCLF loan with partner lender Pursuit.
Additional Resources to Get Loan Ready SSBCI Technical Assistance (TA) provides legal, accounting, and financial advisory services to help small businesses strengthen loan readiness and access capital, at no cost to the business. Legal: business formation and governance; required registrations and licenses; contracts; investor documents; ESOP-related transfers; procurement and surety-bond support; contractor-financing and bonding needs.
Accounting: audits and financial statements; digitizing records; training on accounting practices/software; WIP/AR/AP schedules; transitioning from cash to accrual to meet lender or surety requests.
Financial advisory: banking relationships; applications for government small-business programs; identifying credit/capital/grants; financial-management guidance; presentations, models, and business plans; surety-bond basics and contractor-financing support.
TA providers serve regions statewide, including: Adirondack Economic Development Corporation (North Country) Eleven3seven5 (NYC, Mid-Hudson, Capital Region) Renaissance Economic Development Corporation (NYC, Long Island, Mid-Hudson) Pursuit Lending (Statewide)
According to the current listing, eligibility includes: NY State resident-owned businesses with fewer than 100 full-time employees, under $5M annual revenue, and fewer than 4 years in operation. Personal guarantee required from owners with 20%+ stakes. Confirm the full requirements in the official notice before applying.
The current listing shows up to $100,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Main Street Capital Loan Fund is funded by Empire State Development (New York State). Verify program details on the funder's official page before applying.
This opportunity targets applicants in New York. If your organization operates elsewhere, check the official notice for location requirements.
Applications go through the funder's official portal — the Apply Now link on this page goes there directly.
Empowering Communities Grants is sponsored by PPL Foundation. These grants enrich the overall vitality of the community through programs that protect the environment and improve people's lives. Focus areas include environmental stewardship and education. Projects involving native plant pollinator habitat restoration within the Schuylkill watershed could align with environmental stewardship goals.
Brown Girl Jane x SheaMoisture Grant is a grant from SheaMoisture and Brown Girl Jane that funds Black and woman-owned beauty and wellness businesses in the United States. Part of SheaMoisture's broader commitment to addressing racial inequality through its $1 million annual giving fund, this program specifically supports founders at the intersection of Black and women-owned entrepreneurship in the beauty and wellness sector. Applicants must be based in the U.S. and have operated their business for at least one year. Grants range from $10,000 to $25,000. Check the SheaMoisture Fund website for the current open cycle, as deadlines vary by cohort.
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