Skip to main content

Your Bridge.
Your Lending Partner.

Whether you are a start up, are ready to grow an existing small business in the Hudson Valley, or are developing affordable housing across New York State, we offer an innovative and relational approach to lending.

Ready to get started?
Learn more about our programs and apply online.

Securing Capital for your Small Business Needs


We Connect Start-Ups & Entrepreneurs to the Capital They Need

We believe that thriving small businesses are essential to social justice and fair wealth-building.
By investing in entrepreneurs with microloans and one-to-one guidance, we’re building a stronger community for all of us.

Prioritizing Lending for Small Businesses

When we say small, we mean it. We’ve developed our lending products to meet the needs of businesses and start-ups, we make loans from $1,000 up to $150,000.

Jose Hildago, Boom Hair Studio, Sleepy Hollow, New York
"Not only did they provide me with a loan, but Community Capital New York also helped me expand my business network and gain public exposure among new communities due to our relationship. I am very grateful for their support!"
—Jose Hildago, Boom Hair Studio, Sleepy Hollow, New York

Over 34 Years of Community Impact

Community Capital New York is a 501(c)3 nonprofit, an SBA Lender, and a U.S. Treasury-certified Community Development Financial Institution. We partner with our borrowers and work alongside them to ensure their success.


invested in increasing the supply of affordable homes and fostering small business growth

Over 80%

of our clients are people with low income, people of color and women


small business loans, credit builder products and grants provided


jobs created or retained as a result of our community investments


of our portfolio experiences a 4-year business survival rate compared to the national average of 50%


units of safe, affordable homes built, preserved or enhanced


people in safe, affordable homes who earn 80% or less than the area’s median income

Our Loan Options for
Small Business Owners & Start-Ups


Are you looking for a loan to start a business or need a loan for your existing business to grow? Our SBA Microloan funds up to $50,000 and can be used for start up capital, working capital, to hire employees, to purchase equipment and more.

Small Business Loan

Are you ready to take your business to the next level? Our SBA Community Advantage loan provides funding up to $150,000 and can be used for essentially all business needs including: start up costs, working capital, equipment purchases, debt refinancing, and more.

Fast Track Loan

Our Fast Track Loan is for current clients who have been in business at least two years and who need up to $10,000 for their business. With a quick approval process, we can help you quickly secure the capital you need.

Additional Small Business Loans

We offer other loan products to support small business owners.

For more information, Contact a Loan Officer.

We Connect Capital to Affordable Housing Developers

Are you an affordable housing developer? We can help provide financing for your project needs. Our Pre-Development Loan delivers financing for upfront early-stage project expenses such as architectural and engineering fees, legal fees, and environmental due diligence. We also offer Bridge Loans, Property Acquisition Loans, and construction financing to fit your development needs.

Margarita Hidalgo, CEO, Sweet Bee Daycare
"I had no resources to start a company, but I knew I could be successful with perseverance, focus, faith, and the right guidance. And I’ve learned how to build a company strategically."
—Margarita Hidalgo, CEO, Sweet Bee Daycare
Terrence and Kisha Clark, Co-CEOs, Black Parakeetz
"Community Capital New York saw my vision and made it happen. They have been with me through the whole process—and they believe in me."
—Terrence and Kisha Clark, Co-CEOs, Black Parakeetz
Bryan Lantier, Founder & CEO Ramblin Coffee
“Most lenders didn’t want to work with me because I just started my business. But, the team at Community Capital New York believed in me. They were like angels crossing my path right when I needed them. I was glad I had my business plan ready!”
—Bryan Lantier, Founder & CEO Ramblin Coffee
Johnah Incardona, Founder & CEO, Stella Bella
“In this world, cash is boss, and credit is king. So I quickly learned that when you establish a business, you need a line of credit.” As a first-time business owner, Johnah learned the ins and outs of personal financial literacy and its role in Stella Bella Beauty Salon’s sustainability."
—Johnah Incardona, Founder & CEO, Stella Bella
Raquel and Mario, Founders & Co-CEOs, MNR Pest Solutions
"We didn't how to run a business. But Mario knew how to do the job, and I knew how to help him with logistics and operations," says Raquel. "SCALE gave us the confidence we needed to succeed as business owners."
—Raquel and Mario, Founders & Co-CEOs, MNR Pest Solutions
Rachel Goodfriend, Consulting and Development, ALCD, The Wallace Campus Project
“Partners like Community Capital New York and Leviticus are invaluable to us. It’s the pre-development money that’s most important for us to get our projects started.”
—Rachel Goodfriend, Consulting and Development, ALCD, The Wallace Campus Project

Not Sure Where to Start?

Reach Out to Us Today!

No two businesses are the same. We want to help you access the capital you need to achieve your unique goals. To learn more about our loan options, call us today at 914-747-8020, or if you are ready to apply for a loan, you can apply online.