Government loan programs
11 verified programs in this category for small businesses. Each links to its official source with the date we last checked it. Criteria change — confirm current details before applying.
- Advantage Illinois (Participation Loan Program / Loan Guarantee Program)
Government loan · Businesses in Illinois
A state credit-enhancement program, funded through the federal State Small Business Credit Initiative, in which Illinois purchases a participation in a bank loan or guarantees a po…
- Black Business Loan Program (BBLP)
Government loan · Businesses in Florida
A state-funded program (Fla. Stat. 288.7102) channeling annual state appropriations through certified nonprofit intermediary lenders to provide alternative loans and technical assi…
- California Small Business Loan Guarantee Program
Government loan · Businesses in California
A state loan-guarantee that reduces lender risk so California small businesses can get credit for start-up costs, construction, inventory, working capital, or expansion. Applied fo…
- ECIDA Small Business Loans & Tax Incentives
Government loan · Businesses in Erie County
Buffalo/Erie County economic development agency offering working-capital loans plus tax incentives for larger capital expansion projects, along with access to shovel-ready industri…
- Main Street Capital Loan Fund
Government loan · Businesses in New York
State-backed affordable loan fund for early-stage New York small businesses, offering fixed-rate financing for startup costs, working capital, franchise fees, equipment, and invent…
- Microfinance Guarantee Program
Government loan · Businesses in Florida
A state program (Fla. Stat. 288.9935) that uses state funds to guarantee a portion of microloans made by participating private lenders to small Florida businesses that cannot secur…
- NYS Loan Guarantee Program
Government loan · Businesses in New York
A $50 million state program guaranteeing a portion of eligible bank loans to help New York small businesses secure financing they might not otherwise qualify for.
- SBA 504 Loan Program
Government loan · Available nationwide
Long-term, fixed-rate financing for major fixed assets — commercial real estate, construction, or heavy equipment. Not for working capital or inventory, so it is a better fit for b…
- SBA 7(a) Loan Program
Government loan · Available nationwide
SBA's flagship guaranteed loan (up to $5M) through participating lenders — for working capital, equipment, real estate, or refinancing.
- SBA Surety Bond Guarantee Program
Government loan · Available nationwide
SBA guarantees surety bonds so small businesses can win contracts requiring bonding — most relevant to construction and contracting businesses.
- Texas Small Business Credit Initiative (TSBCI)
Government loan · Businesses in Texas
A state-administered capital-access program using loan guarantees, loan participations, and loss-reserve matching to make participating Texas banks and CDFIs more willing to lend t…
FundBridge Navigator LLC is independent and privately operated, not a government agency — every program listed here links to its official source.