New York State Small Business Revolving Loan Fund is sponsored by Empire State Development. Provides loans under $250,000 to eligible businesses for working capital, equipment purchases, real estate improvements, and other business needs.

Division of Small Business & Technology Development | Empire State Development Division of Small Business & Technology Development Get the best opportunities for your small business — we can help Small businesses make up 98 percent of New York State businesses and employ 40% of New York’s private sector workforce.

Empire State Development’s Small Business Division supports the development and expansion of businesses with under 100 employees – directing an array of programs and initiatives supporting small business growth and helping entrepreneurs maximize opportunities for success. Explore all we offer, plus a custom business checklist of NYS programs and services that match your goals.

Find Out Which Small Business Programs Can Help You To see which programs are most relevant to you, please fill out the form below. After you tap the “Filter Programs” button, scroll down to view a list of small business programs that match your needs. Click on any program title to learn more, including how to apply.

If you'd prefer to see all available programs, you can scroll down to view the full list of program titles without filling out the form. Which best describes you or your organization? (please select one) Looking to start a new business Lending or Financial Institution University or research institution Not-for-profit organization What are you looking for?

(choose all that apply) Assistance starting a business Assistance doing business with federal, state, or local government General information and technical assistance for small businesses Programs that support research and innovation What are you looking for?

(choose all that apply) Seeking a loan specifically for manufacturing businesses or businesses purchasing large equipment Equity investments for startups Assistance doing business with federal, state, or local government (including bonding and loans) General information and technical assistance for small businesses Programs that support research and innovation What are you looking for?

(choose all that apply) Lending and other credit support programs What are you looking for? (choose all that apply) Lending programs to help your not-for-profit grow Small business programs that not-for-profits are eligible to participate in No specific match was found under your selection criteria.

New York State Small Business Credit Initiative (SSBCI) New York State has been awarded more than $500 million in federal SSBCI funding to help small, and traditionally disadvantaged, businesses succeed— with a focus on post-pandemic recovery. Find out more about ESD's SSBCI programs.

Immigrant Entrepreneur Center Find state and federal programs and tools including free resources — from workforce training and development to free English language instruction — available to immigrant business owners and anyone who wants to start a business in New York State. Explore the Bid Ready Series to learn about large-scale projects in need of skilled small businesses, including MWBEs and SDVOBs, to make these projects a reality.

Never Sign Blind Again: Master Negotiation & Contracts for Your Business Ponce Bank's Small Business Bootcamp - Series 1: Banking (Only for Queens-based businesses and startups) Where Does the Money Go?

Keep More of What You Earn Ponce Bank's Small Business Bootcamp - Series 1: Accounting (Only for Queens-based businesses and startups) Ponce Bank's Small Business Bootcamp - Series 1: Business Growth (Only for Queens-based businesses and startups) Ponce Bank's Small Business Bootcamp - Series 1: Loan Packaging (Only for Queens-based businesses and startups) 7/21/26 Bookkeeping & QuickBooks: Know Your Numbers, Grow Your Business (2-Part Series) - Part 1 7/28/26 Bookkeeping & QuickBooks: Know Your Numbers, Grow Your Business (2-Part Series) - Part 2 Navigating the NYS Contract Reporter: Accessing Opportunities and Maximizing Functionality Assistance with a loan or access to capital Linked Deposit Program (LINC) Offers reduced rate borrowing to eligible businesses for investments that expand capabilities, business capacity and to create new employment opportunities.

Regional Revolving Loan Trust Fund Program Offers working capital loans through partners to small businesses of up to $100,000 or 90% of the total project cost. JDA Agriculture Loan Fund Offers affordable capital to small agribusinesses for projects that will expand capabilities, generate economic growth and create new employment.

New York Forward Loan Fund 2 Offers qualifying small businesses and nonprofits loans of up to $150,000 from mission-driven lenders, along with free business support services. New York State Small Business Revolving Loan Fund Round 2 Provides shorter-term microloans and loans under $250,000 to eligible businesses for working capital, equipment purchases, real estate improvements, and other business needs.

New York State Contractor Financing Program Provides financing to contractors in need of working capital to deploy and execute federal, state, and local government related contracts. Loans are provided by participating lenders. New York State Surety Bond Assistance Program Provides access to bid bonds, payment and performance bonds for contractors performing on publicly funded projects via participating surety companies.

Job Development Authority Direct Loan Program Provides direct loans for the growth of manufacturing and other eligible businesses within New York State by assisting in financing a portion of the cost of acquiring and renovating existing buildings or constructing new buildings.

Main Street Capital Loan Fund $10M in SSBCI funding that will provide qualifying start-up and early-stage businesses with access to affordable term loans up to $100,000. SSBCI Technical Assistance Program Provides free expert legal, accounting, and financial services to help small businesses and startups access the capital they need to grow and succeed.

Capital Project Loan Fund $106M in SSBCI funding to provide direct loans for the growth of manufacturing and other eligible businesses by assisting in financing a portion of the cost of acquiring/renovating existing buildings, constructing new buildings or purchasing equipment.

Airport Concessions Disadvantaged Business Enterprise Equity investments and programs for venture-backable startups Emerging and Regional Partner Program Fund Invests in diverse fund managers with first-, second- or third-time funds, or with managers who will use the funds to invest in areas of New York State where venture capital is less readily available.

Community and Regional Partner Program Fund Invests in accelerators or similar mentor-based programs to provide equity investments for high-growth companies that are participating in those programs. Pre-seed and Seed Matching Fund Program Makes equity investments in venture-backable start-up companies at the earliest stages of their development.

New York State Innovation Venture Capital Fund Makes equity investments in Seed through series B technology companies. NYS-Certified Business Incubator and Innovation Hot Spot Program Support for early-stage companies varying from physical space to access to capital.

New York State Accelerators and Competitions Empire State Development connects scalable companies with New York State’s top universities, talent, and manufacturing facilities through its support of several cutting-edge accelerator programs and funding competitions.

Help for small businesses seeking government contracts New York State Surety Bond Assistance Program Provides access to bid bonds, payment and performance bonds for contractors performing on publicly funded projects via participating surety companies.

New York State Contractor Financing Program NYS Contract Opportunities Innovation Matching Grants Program Starting and growing your business: Information and resources Entrepreneurship Assistance Centers A program that, for nearly 40 years, has supported entrepreneurs with training, counseling and technical assistance at EACs throughout the state.

New York Manufacturing Extension Partnership A network of organizations that provide growth and innovation services to small and mid-sized manufacturers in every corner of the state. New York State Small Business Guide Download a guide to owning and operating a small business in New York State.

New York Business Express A comprehensive resource for starting, running, and growing a business in NYS, including a Business Wizard and information on support programs and incentives. Alternative Lenders Directory Browse alternative lenders by geographic area served.

Small Business Environmental Support Office New York State Science & Technology Law Center Helps entrepreneurs and companies with new technologies identify potential challenges and devise strategies to bring that technology to market.

Community Development Financial Institution (CDFI) Fund Program Provides grant support to New York State federally certified Community Development Financial Institutions (CDFIs) in their efforts to provide technical assistance to New York State small business and underserved individuals.

Programs primarily for lenders and financial institutions Provides portfolio insurance for participating lenders designed to increase financing opportunities for small businesses. Loans are provided by participating lenders. New York State Contractor Financing Program Provides financing to contractors in need of working capital to deploy and execute federal, state, and local government related contracts.

Loans are provided by participating lenders. Community Development Financial Institution (CDFI) Revolving Loan Fund Program Provides microloans through CDFI partners of up to $25,000 to targeted small businesses in New York State. Linked Deposit Program (LINC) Offers reduced rate borrowing to eligible businesses for investments that expand capabilities, business capacity and to create new employment opportunities.

New York State Small Business Revolving Loan Fund Round 2 Provides shorter-term microloans and loans under $250,000 to eligible businesses for working capital, equipment purchases, real estate improvements, and other business needs. New York State Surety Bond Assistance Program Provides access to bid bonds, payment and performance bonds for contractors performing on publicly funded projects via participating surety companies.

Programs to support innovation and research Fosters collaboration between the academic research community and the business sector to develop and commercialize new products and technologies. Centers for Advanced Technology Encourage greater collaboration between private industry and universities in the development and application of new technologies.

NYS-Certified Business Incubator and Innovation Hot Spot Program Support for early-stage companies varying from physical space to access to capital.

Innovation Matching Grants Program New York State Accelerators and Competitions Empire State Development connects scalable companies with New York State’s top universities, talent, and manufacturing facilities through its support of several cutting-edge accelerator programs and funding competitions.

Matching Grants Leverage Program Division of Small Business Contact Information 1-800-STATE NY (1-800-782-8369) Small Business Liaison (212) 803-3149 Annual, Regulatory, Budgetary and Legislative Reports