Small Business Loan Resources

With so many small business lending options available, it can be hard to know which loan product makes the most sense for your small business.  The following information will help you understand your options for getting a small business loan, make informed decisions, and find responsible small business lenders.

Navigate the Lending Landscape

Visit Opportunity Finance Network’s to learn more about the small business lending landscape and the differences and costs associated with various small business lenders and products.

Empire State Development Division of Small Business

Learn more about programs and initiatives to support small business growth and help entrepreneurs maximize their opportunities for success.

Alternative Lenders

NYS supports Alternative Lenders, including Community Development Financial Institutions (CDFIs), across the state. Use this directory to find a reputable small business lender in your area.

Federal and State Small Business Resources: Access to Capital

US Small Business Administration Small Business Lending Programs

SBA offers a variety of loan programs for very specific purposes—read more to see if your business qualifies to participate.

US Department of Agriculture

USDA provides funding opportunities for rural small businesses through loans, loan guarantees and grants.


The Export-Import Bank of the United States (EXIM), the official export credit agency of the United States, supports American jobs by facilitating the export of U.S. goods and services.

Technical Assistance Programs

New York State Small Business Development Centers

The New York Small Business Development Center offers high quality business consulting and training to New Yorkers looking to start a business or improve their business performance through a regional network of 24 centers around the state.

NYS SBA District Office

The New York District Office is responsible for the delivery of SBA's programs and services in New York City and Long Island and in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster and Westchester counties.

Procurement Technical Assistance

Doing business with the government is a big step to growing your business. Procurement Technical Assistance Centers (PTACs) provide local, in-person counseling and training services for you, the small business owner.

Women’s Business Centers

Women's Business Centers (WBCs) represent a network of nearly 100 educational centers throughout the U.S. and its territories, designed to assist women in starting and growing small businesses and to help equalize opportunities for women entrepreneurs.

SBA 8 (a) Certification

The SBA 8 (a) Business Development Program helps entrepreneurs gain access to new economic opportunities and helps socially and economically disadvantaged businesses thrive in a competitive business environment.