Small-business funding in New York

11 verified programs that small businesses in New York may be able to use, including grants, rebates, tax credits and loans. Each links to its official source. Criteria change — confirm current details before applying.

• Con Edison Commercial & Industrial Energy Efficiency Program

  Utility rebate · Businesses in New York

  Cash incentives for Con Edison commercial and industrial customers who install qualifying energy-efficient equipment, plus a Small Business & Nonprofit savings track, in NYC and We…

• Employee Training Incentive Program (E-TIP)

  Training reimbursement · Businesses in New York

  Refundable tax credit reimbursing New York employers for a portion of costs to upgrade employee skills, plus a separate credit for paid internships in advanced-technology fields.

• Entrepreneurship Assistance Centers (EAC) Program

  Technical assistance · Businesses in New York

  A nearly 40-year-old statewide network of centers providing training, one-on-one counseling, and technical assistance to current and aspiring New York small business owners.

• Excelsior Jobs Program

  Tax credit · Businesses in New York

  A refundable, performance-based tax credit program rewarding New York businesses in strategic industries for creating jobs and making capital investments.

• 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…

• National Grid Small Business Weatherization / Energy Efficiency Program

  Utility rebate · Businesses in New York

  Free energy assessment and rebates for National Grid small business customers to weatherize and upgrade facilities in National Grid's upstate/downstate NY service territory.

• 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.

• NYS Minority- and Women-Owned Business Enterprise (MWBE) Certification

  Certification · Businesses in New York

  State certification under NYS Article 15-A identifying a business as minority- and/or women-owned, giving it visibility and priority access to New York State government contracting…

• NYSERDA Small Business Energy Programs (Financing & Energy Studies)

  Utility rebate · Businesses in New York

  State energy authority program offering low-interest financing for small business energy-efficiency projects plus cost-share funding for professional energy studies, alongside refe…

• Pursuit Small Business Loans (SBA Microloan, SmartLoans, SBA 504/7(a))

  CDFI financing · Businesses in New York

  70+ year old New York-headquartered nonprofit lender and SBA Preferred Lender offering SBA microloans, SmartLoans, and SBA 504/7(a) financing for working capital, equipment, real e…

• TruFund Small Business Loans

  CDFI financing · Businesses in New York

  501(c)(3) nonprofit CDFI serving New York small businesses with a general small business loan, a micro-lending program, SBA Community Advantage loans, contractor mobilization loans…

FundBridge Navigator LLC is independent and privately operated, not a government agency — every program listed here links to its official source.