SBA Microloan Lenders in New York (2026 List)
There are 13 SBA-approved microloan intermediaries lending in New York. The SBA does not lend directly — it funds these organizations, and each one makes its own loans and its own decisions.
SBA microloans run up to $50,000, with an average around $13,000 and terms up to seven years. They are designed for businesses banks turn down: new companies, thin credit files, and owners who need working capital, equipment or inventory rather than property. Because each intermediary sets its own criteria, it is worth approaching more than one of the New York lenders below.
Every lender on this list asks for the same core documents: a written business plan, financial projections, a clear statement of what the money is for, and your credit history. The plan is where most applications stall.
New York
The UCEDC
Harlem Entrepreneurial Fund, LLC
Ascendus Inc.
Accompany Capital
Pursuit
Westminster Economic Development Initiative, Inc.
436 Grant Street Buffalo, NY 14213Renaissance Economic Development Corporation
REDEC Relending Corp. (REDEC/RRC)
Pathstone Enterprise Center, Inc.
Columbia Economic Development Corp. dba Choose Columbia
Adirondack Economic Development Corporation
BOC Capital Corporation
Community Capital New York, Inc.
The business plan every one of them will ask for
Whichever New York lender you approach, the application asks for a business plan with financial projections. We write SBA-ready plans built for microloan applications.
