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Government funding

Loan Programs

Export-Import Bank of the United States
Working Capital Guarantee Program
Ex-Im Bank provides a guarantee on working capital loans provided by commercial lenders to help extend short-term loans to small- and medium-size businesses for their export funding needs. This resource includes information on eligibility and a list of participating lenders.

Overseas Private Investment Corporation
Small and Medium Enterprise Financing Program
For companies with annual revenues under $250,000, this program provides medium- to long-term funding through direct loans and loan guarantees to eligible investment projects in developing countries and emerging markets.

U.S. Dept of Agriculture
Emergency Farm Loans
Emergency loans to help producers recover from production and physical losses due to drought, flooding, other natural disasters, or quarantine.

Rural Business and Industry Guaranteed Loans
Loans aimed at improving economic and environmental climate in rural communities. Funds may be used for buying a business to keep it from closing; purchasing land, buildings, machinery or equipment; and related activities.

Socially Disadvantaged Farmers and Ranchers
Makes and guarantees loans to approved socially disadvantaged applicants to buy and operate family-size farms and ranches.

U.S. Dept of the Interior
Indian Loan Guaranty and Interest Subsidy Program
Financing for Indian-owned businesses that significantly contribute to a Tribe’s economy.

U.S. Small Business Administration
Basic 7(a) Loan Program
For starting, acquiring and expanding a small business, 7(a) loans are the most basic and most used type loan of SBA’s business loan programs. Borrowers must apply through a participating lender institution.

Business Physical Disaster Loans
Any business or private, nonprofit organization that is located in a declared disaster area and has incurred damage during the disaster may apply for a loan to help replace damaged property or restore it to the condition it was in before the disaster. If your business or private, nonprofit organization – large or small – has suffered physical damage as a result of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration. SBA makes physical disaster loans of up to $2 million to qualified businesses or private, nonprofit organizations.

CAPLines
CAPLines is the umbrella program under which the SBA helps small businesses meet their short-term and cyclical working-capital needs.

Certified Development Company (CDC) 504 Loan Program
The CDC/504 loan program is a long-term financing tool for economic development within a community. The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings.

Community Adjustment and Investment Program (CAIP)
The Community Adjustment and Investment Program (CAIP) was established to assist U.S. companies doing business in areas of the country that have been negatively affected by the North American Free Trade Agreement (NAFTA). CAIP loans allow for the payment of fees on eligible loans, including the 7(a) Loan Program guaranty fee and the 504 program guaranty and CDC and lender fees. Depending on the size of the loan, these fees can be sizeable. CAIP works with SBA to reduce borrower costs and increase the availability of these programs.

Community Advantage
Small business owenrs and entrepreneurs don’t always need large loans. The Community Advantage and Small Loan Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA’s highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

Community Express
Community Express is an SBA pilot, 7(a) loan program for small businesses in low and moderate income areas. Lenders are not required to take collateral for loans up to $25,000. Lenders may use their existing collateral policy for loans over $25,000 up to $250,000. To learn more, contact your local district office.

Disaster Assistance Loans
If you are in a declared disaster area and are the victim of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration – even if you don’t own a business. As a homeowner, renter and/or personal-property owner, you may apply to the SBA for a loan to help you recover from a disaster.

Economic Injury Loans
Small businesses, small agricultural cooperatives and certain private, non-profit organizations of all sizes that have suffered substantial economic injury resulting from a physical disaster or an agricultural production disaster designated by the Secretary of Agriculture may be eligible for the SBA’s Economic Injury Disaster Loan Program.

Employee Trusts
The Employee Trusts program is designed to provide financial assistance to Employee Stock Ownership Plans. The SBA can assist qualified employee trusts that meet the requirements and conditions for an Employee Stock Ownership Plan (ESOP) as prescribed in all applicable IRS, Treasury, and Department of Labor regulations. Your small business must provide all the funds needed to collaterize and repay the loan.

Export Express
The SBA Export Express program provides exporters and lenders a streamlined method to obtain SBA backed financing for loans and lines of credit up to $500,000. Lenders use their own credit decision process and loan documentation; exporters get access to their funds faster. The SBA provides an expedited eligibility review and provides a response in 36 hours or less. To learn more, contact your local district office.

Export Working Capital
SBA’s Export Working Capital Program (EWCP) loans are targeted for businesses that are able to generate export sales and need additional working capital to support these sales.

Home and Personal Property Loans
If you are in a declared disaster area and are the victim of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration – even if you don’t own a business. As a homeowner, renter and/or personal-property owner, you may apply to the SBA for a loan to help you recover from a disaster.

International Trade Loans
The SBA International Trade Loan program is a term loan designed for businesses that plan to start/continue exporting or those that that have been adversely affected by competition from imports. The proceeds of the loan must enable the borrower to be in a better position to compete.

Microloan Program
Provides very small loans to start-up, newly established, or growing small business concerns. SBA makes funds available to nonprofit community based lenders which, in turn, make loans to eligible borrowers in amounts up to a maximum of $35,000. Applications are submitted to the local intermediary and all credit decisions are made on the local level.

Military Reservists Economic Injury Loans
The Military Reservist Economic Injury Disaster Loan program (MREIDL) provides funds to help an eligible small business meet ordinary and necessary operating expenses that it could have met, but is unable to meet, because an essential employee was called-up to active duty in their role as a military reservist.

Mission-Focused Lenders
Small business owenrs and entrepreneurs don’t always need large loans. The Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA’s highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

Patriot Express Pilot Loan Initiative
Provides financial assistance for veterans and members of the military community wanting to establish or expand small businesses. To learn more, contact your local district office.

Pollution Control Loans
Provides financing to eligible small businesses for the planning, design, or installation of a pollution control facility. ** Note: Pollution Control loans are not being dispersed at this time. Please check back for updates.

SBA Preferred Lender Program
Small business owenrs and entrepreneurs don’t always need large loans. The Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA’s highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

Small Loan Advantage
Small business owners and entrepreneurs don?t always need large loans. The Community Advantage and Small Loan Advantage programs help business owners get crucial smaller loans (under $250,000) with a streamlined application, minimal paperwork and fast turnaround times, while still offering SBA?s highest guarantee.

New York Business Development Corporation
Loans for Equipment and Machinery
NYBDC has financed a variety of different types of equipment for borrowers ranging from desks, chairs and computers, to industrial handling and manufacturer?s equipment, vehicles, construction equipment, printing presses, airplanes, barges, trains and more.

Loans for Refinancing Debt
Provides refinancing loans for the purporses of reducing the interest rate and/or convert from a floating rate to a fixed rate; reducing the monthly payment by extending the loan maturity; converting short term debt to long term debt; and using the equity built up in fixed assets to provide cash for the growth of your business.

Loans for Working Capital
Provides financing for working capital needs.

Micro Loan Program
Provides loans from $50,000-$150,000 for working capital, real estate, leasehold improvements, machinery and equipment, relocation, debt refinancing and business acquisitions.

Statewide Zone Capital Corporation of New York
A privately-owned loan fund whose capital is available to promote the expansion and growth of businesses in New York’s 51 participating Empire Zones. Loans range from $30,000 to $300,000.

Veterans Loan Program
The Veterans Loan Program provides loans for working capital, business acquisition and purchase of real estate, machinery and equipment are available under this program. This program can be combined with other financing offered by NYBDC?s lending partners as participants or as separate credit facilities.

New York City Financial Network Action Consortium
Small Business Loans
Loans for new business owners having difficulty getting financing through a traditional commercial bank.

New York State Division of Minority and Women Business Development
Micro Loans for Minority and Women Owned Businesses
Listing of organizations that provide micro loans to businesses who often do not qualify for bank loans as well as one-on-one counseling and business development assistance to facilitate credit-readiness. Funds are provided by the state’s Community Development Financial Institution Assistance Program.

ACCION USA

Small Business Loans

Offers flexible loans (up to $50,000) to small business owners who have limited or no access to traditional business credit, including women and minorities.

Self-Help
Financing for Small Businesses and Non-Profits
Loans for small companies and nonprofits whose financing needs are not met by traditional lenders.

Seed & Venture Capital

U.S. Small Business Administration
New Markets Venture Capital
A developmental venture capital program designed to promote economic development and the creation of wealth and job opportunities in low-income geographic areas and among individuals living in such areas.

Small Business Investment Company (SBIC) Financing

SBICs are privately owned and managed investment funds, licensed and regulated by SBA, that use their own capital plus funds borrowed with an SBA guarantee to make equity and debt investments in qualifying small businesses.

vFinance, Inc.
Venture Capital Resource Library
Directory of venture capital firms, investment banks, and related business finance information.

Grants

Department of Housing and Urban Development
Single-Room Occupancy (SRO) Program
The Single Room Occupancy (SRO) Program provides rental assistance for applicable properties that will?when the renovations are complete contain upgraded single occupancy units for individuals who are homeless.

Supportive Housing Program
It is designed to promote, grants under the Supportive Housing Program are awarded through a national competition held annually, as part of a local Continuum of Care strategy, the development of supportive housing and supportive services to assist homeless persons in the transition from homelessness and to enable them to live as independently as possible.

Department of Justice
Disability Grant Program
Disability Grant Program recipients will provide training, consultation, and information on domestic violence, dating violence, stalking, and sexual assault against individuals with disabilities and enhance direct services to such individuals. By statute, eligible applicants include states; units of local government; Indian tribal governments or tribal organizations; and non profit and non-governmental victim services organizations, such as a state domestic violence or sexual assault coalitions or nonprofit, nongovernmental organization serving disabled individuals.

Transitional Housing Assistance Program
Grants made under this grant program support programs that provide assistance to victims of domestic violence, dating violence, sexual assault, and stalking who are in need of transitional housing, short-term housing assistance, and related support services, including counseling, support groups, safety planning, and advocacy services as well as practical services such as licensed child care, employment services, transportation vouchers, telephones, and referrals to other agencies.

Department of Veteran Affairs
Homeless Providers Grant and Per Diem Program
The purpose of the Grant and Per Diem Program is to fund community agencies providing services to homeless Veterans.

U.S. Small Business Administration
Small Business Innovation Research (SBIR) Program & Small Business Technology Transfer (STTR)
These two programs award a specific percentage of Federal R&D funds to qualified small businesses. SBIR/STTR programs encourage small firms to undertake scientific research that helps meet Federal R&D objectives, and have high potential for commercialization if successful.

CommuterLink
New York City Commute Enhancement (NYCCE) Grant

Grants of up to $10,000 may be used for anything from shuttle buses to bike racks to Internet access for teleworkers.

Long Island Transportation Management, Inc.
Long Island Region Improving Commuting Grant Program
Grants for Long Island employers to implement programs that reduce traffic congestion and pollution during peak commute-to-work hours. Money may be used for creating carpooling, telecommuting and public transportation incentive programs.

Idea Cafe
Small Business Grants
This private organization provides $1,000 in grants anyone who currently owns a business or is planning to start one. Awards are primarily based on innovation and originality.