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Free one-on-one help for New York City small businesses from Small Business Support Specialists at the five borough chambers of commerce — grants and loans, digital marketing, getting online, lease negotiations and business planning.
Why I recommend it: Great first stop for NYC owners: fill in the business profile form and a specialist from your borough's chamber follows up.
New Jersey grants, loans, and technical assistance for small businesses and startups.
Why I recommend it: Check the open programs page monthly — NJEDA funding rounds open and close fast, and eligibility is narrower than the headline suggests.
Represents regional development organizations that administer federal and state economic development funding, including small business loan programs, at the local level.
In plain terms: This national association supports local agencies that manage regional economic development and community programs. You can find your local development district, access training webinars and research, and search for regional planning and development job openings.
Why I recommend it: Regional development orgs are where rural and small-town loan programs actually live.
Federal fund that certifies and invests in Community Development Financial Institutions delivering affordable capital to underserved small businesses and communities nationwide.
Why I recommend it: Use their directory to find a certified CDFI lender near you before you try a big bank.
