New York City Capital Access Loan Guaranty Program (NYCCA)

New York City Economic Development Corporation's (NYCEDC) NYC Capital Access Loan Guaranty Program (Cap Access) provides up to 40 percent guarantee on loans for qualified New York City micro and small businesses having trouble accessing loans. Loans created through this program can be used for working capital, tenant improvements, equipment purchases, and refinancing of exisiting loans. For this program, micro-businesses are business that have 20 employees or less. Small businesses are defined as having between 21 and 100 employees.

NYC Business Solutions has partnered with NYCEDC to provide FREE Capital Access advisory services to small businesses interested in applying for Capital Access loans. A full list of lenders, their contact information , and the amount of money they are eligible to lend is available at the NYC Capital Access homepage.

Please note: NYCEDC does not directly lend money to businesses. NYCEDC oversees the loan providers for this program. Interest raes are negotiated between the borrower and the lender.