Community Capital New York Contractor Lending Program
Get the capital you need to deliver on contracts, grow your business, and strengthen your community.


Short-term, contract-based mobilization, equipment financing
and payroll support for small business contractors.

Fast, Flexible Funding for Small Business Contractors
- Loan Amounts: $50,000–$500,000
- Advance Rate: Up to 30% of contract or PO value (select applicants up to 60%)
- Term: 3–18 months
- Interest Rate: 6%–9% fixed, based on risk
- Fees: $250 application fee, 3.5% closing fee
- Repayment: Assignment of proceeds from contract payments
- Structure: Term loan or non-revolving line of credit
- Site Inspection: Required prior to closing

Who Can Apply?
- Business Location: Westchester, Ulster, Rockland, Bronx, Putnam, Orange, Dutchess, Sullivan (NY), or Fairfield County (CT)
- Minimum Credit Score: 600 FICO
- Annual Revenue: $150,000+
- Business History: 1+ years in operation
- DSCR: 10x minimum
- For-Profit Businesses Only: Excludes speculative real estate, developers, and financing businesses
- Social Impact: Preference for businesses in LMI/underserved communities, majority women/minority/disadvantaged ownership, or those employing LMI workers

Eligible Uses
- Working capital
- Staffing
- Equipment or inventory
- Insurance and materials
- Leasehold improvements
- Debt refinancing related to contract fulfillment

How It Works
- Quick Inquiry: Submit your interest and basic business info.
- Screening: We review your eligibility and contract details.
- Assessment: We validate your contract and determine your advance amount.
- Underwriting: Submit document application, financials, contract/PO, insurance, etc.
- Closing & Funding: Sign documents, complete a site inspection, and receive your funds.
- Support: Ongoing monitoring and technical assistance.
For more information, call Mark Brazier, SVP of Contractor Lending, at 914-747-8061 or send email to mbrazier@communitycapitalny.org.
Apply Now!
At Community Capital New York, we don’t just look at credit scores; we assess your overall credit history when reviewing loan applications.