1. Access to Capital Jan Pisanczyn Regional Director New York State Small Business Development Center College at Brockport

2. What is out There?
Debt vs Equity
Equity – Cash/Savings
Equity – Collateral/Assets

3. How much do you need?
What will you use it for?
How will “they” get it back?
Business Plan?

4. Business Funding Options
Traditional Lending
Commercial Loans - Commercial Lenders
Small Business Admininstration
SBA 7a Guarantee
SBA Patriot Express
SBA 504
SBA Disaster Loan

5. NYBDC
Savings Banks/Credit Unions
Personal Lines of Credit
Home Equity (HELOC) 

6. Non-Profit/Micro-Lenders
Alternative Lending
Non-Profit/Micro-Lenders 
ACCESS-VR (formerly VESID)
Excelsior Growth Fund
Kiva
Pathstone

7. Government Programs/Tax Incentives
D.O.T. Transportation Bond Program
D.O.T. Transportation Loan Program
ESD/NYBDC Disaster Loan
Farmer’s Home Administration

8. Government Programs/Tax Incentives
Federal Surety Bonding
HUD Community Block Grant
Industrial Development Agency (IDA)
Industrial Revenue Bonds

9. Government Programs/Tax Incentives
JDA – Direct Loan
JDA - Rural Development Loan
Local Development Corp. (LDC)
NYS Ag & Markets

10. Government Programs/Tax Incentives
NYSERDA
SBIR/STTR
Science & Technology Foundation
State Surety Bonding

11. Government Programs/Tax Incentives
Urban Development Corporation (UDC)
UDC Minority Revolving Loan Fund (MLRF)
US Dept of Agriculture

12. OTHER OPTIONS
Advances
Credit Cards 
Crowd Funding/Crowd Investing

13. Factoring
Leasing
Life Insurance
Online/Peer to Peer

14. Private Investors/Angel Networks
Retirement Funds
Small Business Investment Corp (SBIC)
Vendor Financing
Venture Capital

15. Small Business Development Center
The College at Brockport
350 New Campus Drive – Hartwell 101
Brockport NY 14420
Visit our Web Page: As well as LinkedIn and Twitter pages: