New York State CDFI Revolving Loan Fund (Microloan)

Up to $25,000 per loan, one-time microloan.

Rolling — no fixed deadline, apply any time through your regional lender.

AMOUNT

Up to $25,000 per loan, one-time microloan.

AMOUNT

Up to $25,000 per loan, one-time microloan.

DEADLINE

Rolling — no fixed deadline, apply any time through your regional lender.

DEADLINE

Rolling — no fixed deadline, apply any time through your regional lender.

FUNDING TYPE

Grant, Loan

CAN YOU GET THIS?

You qualify if your small business is independently owned, located and operating in New York State, and has 100 or fewer full-time employees.

You must also contribute 10% equity toward the loan. There are no industry restrictions and no identity-based requirements listed.

YOUR REAL ODDS

Decisions are made by individual participating lenders, so competitiveness varies by region and lender.

Rolling submissions mean no fixed competition window, but each regional lender controls credit decisions and loan terms, so approval depends on their own criteria.

WHAT IT TAKES

Identify your regional participating lender based on your county or region — 1 hour
Contact the lender directly by phone or email to begin the application — 1-2 days
Prepare documentation and arrange your 10% equity contribution — 1-2 weeks

WORTH KNOWING

Interest rates range from 3-8% depending on the lender, and loan proceeds can cover both working capital and fixed asset purchases — ask your regional lender early about their rate range and preferred use cases.

Apply on the funder’s site →

SBA Microloan Program

Loans up to $50,000; average award is ~$13,000. Repaid over up to 7 years at 8–13% interest.

Small businesses and certain nonprofit childcare centers in the US can borrow up to $50,000 through nonprofit intermediary lenders.

AmPac Community Lending Program (CDFI Microloan)

$5,000–$350,000 in loans (SBA Microloan capped at $50,000; city partnership programs also up to $50,000); one-time per application.

California small businesses and startups can apply for loans from $5,000 to $350,000 on a rolling basis, with special programs for Black, Latino, and women-led businesses.

AmPac Community Lending Program (CDFI Microloan)

$5,000–$350,000 in loans; up to $100,000 in down payment assistance for eligible buyers.

California small businesses and startups can apply for loans from $5,000 to $350,000 on a rolling basis; Black, Latino, and women-led businesses may also qualify for down payment assistance grants.

This is 1 of 1,600+ open opportunities.

$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.

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