Woman in chef's clothing standing in front of baking station

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.

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.

Business Pandemic Recovery Initiative

Find out about state and federal programs, grants, funds and tax credits to help NYS businesses recover.

Upcoming Events

Launching and Growing a Small Business in New York State


Find comprehensive guides to valuable programs and resources for business planning, operations and growth – including a Business Wizard and information on support programs and incentives.

New York State Directory of Small Business Programs

Find valuable programs and resources for business planning, operations and growth.
Learn More

New York State Small Business Guide

Download a guide to owning and operating a small business in New York State.
Learn More

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.
Learn More

Lending Programs and Financial Resources for Businesses


New York State offers a variety of small business resources to help you succeed. Whether your business needs a microloan of less than $25,000 or a loan of $500,000+, our directory of NYS alternative lenders can guide you to meet your financing needs.

Alternative Lenders Directory

Learn More

Job Development Authority Direct Loan Program

Learn More

Global NY Fund Loan Program

Learn More

Metropolitan Economic Revitalization Fund

Learn More

Linked Deposit Program

Learn More

Bridge to Success Loan Program

Learn More

New York State Surety Bond Assistance Program

Learn more

Regional Revolving Loan Trust Fund Program

Learn More

Community Development Financial Institution (CDFI) Revolving Loan Fund Program

Learn More

JDA Agriculture Loan Fund

Learn More

Technical Assistance Programs for Businesses


Be sure to also check out our programs offering financial assistance or business counseling to help your small business start, retain or regain a competitive edge.

Business Mentor NY

Learn more

Entrepreneurship Assistance Centers

Learn more

New York Manufacturing Extension Partnership

Learn More

Procurement Assistance Program

Learn more

NYS-Certified Business Incubator and Innovation Hot Spot Program

Learn More

Small Business Environmental Ombudsman (SBEO)

Learn More

Become a State Contractor

Learn More

How to Navigate the Lending Landscape

Understand your options for getting a small business loan, make informed decisions, and find reputable small business lenders.

Programs and Resources for Financial Institutions and Lenders

We work with lenders throughout the state to facilitate the flow of capital to small businesses. To find out about opportunities to partner with and participate in our programs see link below.

Division of Small Business Contact Information