New York State CDFI Revolving Loan Fund (Microloan)

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

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

DEADLINE

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

FUNDING TYPE

Grant, Loan

CAN YOU GET THIS?

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

The business must operate in New York State. You will also need to contribute a 10% equity contribution toward the loan.

YOUR REAL ODDS

Applications are reviewed on a rolling basis by individual participating lenders, who make their own credit decisions.

Because lending decisions are made locally by regional CDFIs, your odds depend on your specific lender and creditworthiness rather than a single statewide competition. No acceptance rate data is published.

WHAT IT TAKES

Identify your regional participating lender based on your county or borough — 30 minutes
Contact the lender directly by phone or email to start the application — 1-2 days
Prepare financials and demonstrate 10% equity contribution — 1-2 weeks

WORTH KNOWING

Loan proceeds can be used for both working capital and fixed asset purchases, and interest rates range from 3-8% depending on the lender — so contacting multiple regional lenders if you are near a coverage boundary could get you a better rate or terms.

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.

New York State CDFI Revolving Loan Fund (Microloan)

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

New York small businesses with 100 or fewer employees can apply for microloans up to $25,000 through regional CDFI 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.

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.

Explore the funding database →

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