Business Directory Highlights | Harlem Talk Radio

	115 East 23rd Street New York, New York 10010 Phone: 212-387- 0494 begin_of_the_skype_highlighting 212-387- 0494 end_of_the_skype_highlighting begin_of_the_skype_highlighting 212-387- 0494 end_of_the_skype_highlighting www.accionnewyork.org
Description	ACCION New York provides micro-loans and business advisory services to individuals and small businesses that do not have access to traditional sources of credit.
Area Served	NYC, Long Island, Westchester, New Jersey
Loans	• $500-$50,000 • Interest rates: 11%-18 %; Application fee: $25
Focus/Key requirements	Micro-loans for equipment, merchandise, working capital and business expansion
Other services	Technical assistance, Legal advice

Audubon Partnership for Economic Development, LDC

	513 West 207 Street New York, NY 10034 Phone: 212–544-2400 www.audubonpartnership.org/audubon2.html
Description	The Audubon Partnership for Economic Development, LDC is a not-for-profit local development corporation serving the Washington Heights and Inwood areas of New York City.
Area Served	Washington Heights and Inwood
Loans	• Up to $25,000 • Interest rates: 10%; Application fee: $50
Focus/Key requirements	Business owners in areas of Washington Heights and Inwood
Other services	Technical assistance

Bethex Federal Credit Union

	20 E 179th Street, Lower Level Bronx, NY 10453 718–299–9100 Ext. 12 www.bethexfcu.org/about.htm
Description	Bethex Federal Credit Union offers a wide range of financial services tailored to the needs of its membership.
Area Served	New York state
Loans	• Up to $200,000 • Interest rate: 11.75%; Application fee: $125, partially refundable.
Focus/Key requirements	Co-signers required, references, bills, employment history
Other services	Individual savings, checking accounts

BOC Capital Corp. – Business Outreach Center Network

	85 South Oxford Street Brooklyn, NY 11217 718-625-1296 www.bocnet.org/boccapitalcorp
Description	BOC Capital Corp. is an affiliate of the Business Outreach Center Network, and is a not-for-profit Community Development Financial Institution (CDFI). It is dedicated to providing micro-enterprise financing, with a special focus on small-business, women, and minority and immigrant entrepreneurs.
Area Served	New York City
Loans	• $500-$25,000 • Interest rates: 8%-10%; Application fees: $25-100
Focus/Key requirements	Women, minority and immigrant entrepreneurs
Other services	Technical assistance, Multiple language capacity

Business Resource Investment Service Center

	290 Lenox Avenue, 2nd Floor New York, NY 10027 212-876-2246 www.brisc.umez.org
Description	The Business Resource & Investment Center (BRISC) was established by the Upper Manhattan Empowerment Zone and The U.S. Small Business Administration to provide technical assistance and financing to small business owners and entrepreneurs located in Upper Manhattan
Area Served	Harlem, Washington Heights and Inwood
Loans	• $25,000-$200,000 • Interest rate: prime; Application fee: $125; Closing fee: $250-500
Focus/Key requirements	Small business owners interested in expanding or relocating, residents who want to start new businesses.
Other services	Technical assistance, Credit counseling, Business plan

Bushwick Cooperative Federal Credit Union Bank

	1475 Myrtle Avenue Brooklyn, NY 11237 718-418-8232 www.rbscc.org/default.asp?menu1_Id=8
Description	Newly formed community development credit union that is organized to address the shortcomings of current financial services in the neighborhood.
Area Served	Bushwick, Brooklyn or family in Bushwick
Loans	• $10,000 to $50,000 • Interest rate: 14%; Application fee: $20-$25
Focus/Key requirements	Payment history, history of employment, personal references
Other services	Personal loans, Checking/savings account

CAMBA Economic Development Corporation

	Church Avenue 2nd Fl Brooklyn, NY 11226 718-287-2600 www.camba.org/index.html
Description	CAMBA is one of Brooklyn’s largest community-based social service organizations and provides a continuum of employment, education, health-related, housing, legal, social, business development and youth services to approximately 28,000 individuals each year
Area Served	Brooklyn
Loans	• $500-$15,000 • Interest rate: prime + 4%; Application fee: $25
Focus/Key requirements	Low-income entrepreneurs and others with limited access to credit and businesses located in central Brooklyn
Other services	Free legal services, Technical assistance

Count Me In

	240 Central Park South, Suite 7H New York, NY 10019 212-245-1245 www.count-me-in.org
Description	Count Me In champions the cause for women’s economic independence by providing access to business loans, consultation and education
Area Served	National
Loans	• $500-$10,000 • Interest rates: 8%-15%, tied to credit; Application fee: none
Focus/Key requirements	Loans can be used for working capital, purchase of inventory
Other services	Technical assistance

East Harlem Business Capital Corporation

	2261-63 First Avenue, 3rd Floor Entrance at 357 East 116th Street New York, NY 10035 212-427-6590 www.ehbcc.org
Description	East Harlem Business Capital Corporation is a non-profit community development and financial organization promoting economic development and job creation in East Harlem by providing small business owners and entrepreneurs access to capital and quality business technical and consulting services
Area Served	Zip codes: 10029, 10035, some 10007, coterminous with CB11
Loans	• $2,500 to $12,000 • Interest rates: prime + 2%-3%; Application fee: $100.
Focus/Key requirements	For working capital, inventory or equipment, the purchase or improvement of real property; land and building acquisition, construction and renovation, leasehold improvements, signage, machinery and equipment
Other services	Technical assistance, NYS Empire Zones program, Business training

Greater Jamaica Local Development Corporation, Inc.

	90-04 161st Street Jamaica, Queens, New York 11432 718-291-0282 www.gjdc.org
Description	Greater Jamaica Development Corporation is in the community building business. Its purpose is to transform downtown Jamaica into a regional sub-center for the New York Metropolitan area
Area Served	Southeast Queens
Loans	• $10,000-$300,000 • Interest rate: below market, pegged to prime; Application fee: $100;Commitment fee: 1%
Focus/Key requirements	New and existing businesses located in SW Queens
Other services	NYS Empire Zone, BID, Workforce development

National Development Council – Grow America Fund

	51 E. 42nd Street, Suite 300 New York, NY 10017 212-682-1106 www.nationaldevelopmentcouncil.org
Description	The Grow America Fund provides SBA-guaranteed credit to small businesses in partnership with client communities, rural areas, and of minority- or women-owned businesses
Area Served	National
Loans	• $5,000-$500,000 • Interest rate: prime + 2.75%; Application fee: none
Focus/Key requirements	Viable businesses with and growth potential that do not meet conventional lender’s profile
Other services	Technical assistance

Lower East Side People’s Federal Credit Union

	37 Avenue B New York, NY 10009-7441 212-529-8197 www.lespfcu.org
Description	The Lower East Side People’s Federal Credit Union (LESPFCU) is a community development credit union serving primarily low- and moderate-income people on New York City’s Lower East Side
Area Served	Lower East Side (live, work, worship or volunteer)
Loans	• $10,000 – $150,000 • Interest rate: prime + 1%-6%, unsecured 9.5%-13.5%; Application fee: $25-$50
Focus/Key requirements	Character, length of time living/working in neighborhood, and references
Other services	Individual Development Accounts (IDA), Business accounts, Non-profit accounts

National Minority Business Council

	25 West 45th Street Suite 301 New York, New York 10036 212-997-4753 www.nmbc.org
Description	NMBC is dedicated to providing business assistance, educational opportunities, seminars, purchasing listings and related services to hundreds of businesses throughout the tri-state area and across the nation
Area Served	New York City
Loans	• $1,500-$25,000 • Interest rate: 7.5%; Application fee: $150
Focus/Key requirements	Certified minority- and women-owned business enterprises (MWBE)
Other services	SBA certification, Technical assistance

New York Association for New Americas (NYANA)

	17 Battery Place New York, NY 10004-1102 212-425-2900 www.nyana.org
Description	Assist new immigrants and their families from every nation in every aspect of their lives, from education and healthcare, to legal advice and job placement
Area Served	New York City
Loans	• Up to $50,000 • Interest rates: prime + 2.5%, or Application fee of 2.75%
Focus/Key requirements	Immigrants
Other services	Technical assistance, Legal advice, Business training/development

New York City Financial Network Action Consortium (NYCfNAC)

	175 Remsen Street, Suite 350 Brooklyn, NY 11201 718-260-0099, Ext. 101 www.nycfnac.org
Description	NYCfNAC promotes access to affordable, convenient and comprehensive financial services and credit by building a network of the city’s leading community development credit unions and strengthening their capacity
Area Served	New York City
Loans	• Up to $400,000 • Interest rate: prime + 3.5%; Application fee: $50
Focus/Key requirements	Financing for expansion of existing businesses, renovation of facilities, equipment acquisition, furniture and fixtures, working capital
Other services	Technical assistance

New York Community Investment Company (NYCIC)

	110 William Street, 32nd Floor New York, N.Y. 10038 212-693-0870 www.nycic.com
Description	NYCIC provides long-term capital of up to $1 million to select growing businesses in New York. Created in 1995 by a consortium of prominent banks, NYCIC was founded to support the growth of well-managed small companies with the potential to yield outstanding returns
Area Served	New York State
Loans	• $100,000 – $1,000,000
Focus/Key requirements	Businesses that are owned by minorities or women, and companies that operate in or benefit lower income areas or are located in a New York State Empire Zone, are especially encouraged to apply
Other services

Project Enterprise

	10 William Street, 32nd Floor New York, NY 10027 212-678-6734 www.projectenterprise.org
Description	Project Enterprise’s mission is to support and develop entrepreneurs and small businesses in under-resourced communities in New York City. By providing access to business loans, business development services and networking opportunities, these entrepreneurs are able to increase their standard of living, create jobs for their communities, and build financial assets
Area Served	New York City
Loans	• $1,500 – $12,000 • Interest rate: 12%; Registration fee: $25; Processing fee of 2%
Focus/Key requirements	At least 12 months in business, at least $5,000 in revenues and good financial records. Loans approved through Peer Lending Group
Other services	Technical assistance, Peer support, Networking

Renaissance Economic Development Corporation

	1 Pike Street New York, NY 10002 212-964-6022, Ext. 221 www.renaissance-ny.org
Description	Renaissance Economic Development Corporation provides direct financing and technical assistance services throughout New York City. Renaissance focuses on low-income, immigrant neighborhoods and is committed to increasing business opportunities for low-income, minority, women, and immigrant entrepreneurs
Area Served	New York City
Loans	• $1,000-$100,000 • Interest rate: Manhattan: 4%, other boroughs: 5%-8%; Application fee: $25
Focus/Key requirements	Owner’s equity, credit, community benefit, repayment ability
Other services	Technical assistance, business training, free legal advice, free CPA advice

Restoration Capital Fund

	1368 Fulton Street Brooklyn, NY 11216 718-636-6930 www.restorationplaza.org
Description	Restoration Capital Fund (RCF) was established to be the catalyst for business development, entrepreneurship and the overall economic improvement of Central Brooklyn through the provision of training and capital in a one-stop financial resources center
Area Served	Central Brooklyn
Loans	• Up to $50,000 • Interest rate: Prime + 2 %; Application fee: $100
Focus/Key requirements	RCF provides capital and technical assistance to Brooklyn businesses that are primarily owned (defined as 51% or more) by women or minorities
Other services	Technical assistance, “single stop” program (public benefits, referrals to family counsel, tax assistance, and referrals to neighborhood tax filing centers, free financial, and legal help)

South Bronx Overall Economic Development Corporation

	555 Bergen Avenue Bronx, NY 10455 718-292-3113 www.sobro.org
Description	SoBRO addresses all facets of community development: assisting businesses to get started and grow, training residents according to the needs of employers, offering opportunities for youth to grow and learn, and creating affordable housing and commercial space that reduces blight in the community
Area Served	South Bronx
Loans	• $2,000-$25,000 • Interest rates vary; Application fee: $100
Focus/Key requirements	Must be in business for at least two years in the Bronx
Other services	Career development, Technical assistance

Trickle-Up Program

	104 W. 27th Street, 12th Floor New York, NY 10001-6210 Phone: 212.255.9980 Main Web site: www.trickleup.org New York specific Web site: www.trickleup.org/usprogram_america_factsheets.asp?RegionName=New+York
Description	Founded in 1979, the Trickle Up Program’s mission is to help the lowest income people worldwide take the first step up out of poverty by providing conditional seed capital and business training essential to the launch of a micro-enterprise. Trickle Up began working with economically disadvantaged communities in the U.S. in 1994, coordinating with more than 20 partner agencies. Trickle Up partner are generally community-based organizations or community development corporations that have an established track record of reaching the economically disadvantaged in underserved neighborhoods.
Area Served	New York state.
Loans	• $700
Focus/Key requirements	Trickle Up reaches the lowest-income people who are often not considered creditworthy (either due to having no credit history or ‘bad’ credit history).
Other services	Business training.

Union Settlement Federal Credit Union

	237 East 104 Street New York, N. Y. 10029 212-828-6062 www.unionsettfcu.org
Description	Union Settlement FCU is a non-profit member-owned financial cooperative dedicated to the economic development of the East Harlem community.
Area Served	Anyone who lives, works, attends school or church within the boundaries of East Harlem.
Loans	• $1,000 to $100,000 • Interest rate: 8%; Application fee: $25-$150.
Focus/Key requirements	Personal loans, Savings/checking accounts, Financial
Other services	education.

Washington Heights & Inwood Development Corporation – BO$$

	57 Wadsworth Avenue New York, NY 10033 212-795-1600 www.whidc.org
Description	Local development corporation focusing on commercial revitalization, employment placement services and housing development.
Area Served	Washington Heights and Inwood
Loans	• Average: $15,000 • Interest rate: 6.25%; Application fee: $50
Focus/Key requirements	Businesses with fewer than 10 employees and incomes of less than $500,000.
Other services	Business training, Technical assistance.

Women’s Venture Fund

Business Advisers

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	240 West 35th Street, Suite 501 New York City, 10001 212-563-0499 www.womensventurefund.org
Description	The Women’s Venture Fund, Inc. is a not-for-profit organization that targets women entrepreneurs in under-served urban communities. As a multi-service micro-lender, the Women’s Venture Fund, Inc. assists these entrepreneurs in pursuing their business aspirations, thereby benefiting themselves, their families and their communities.
Area Served	New York City and parts of New Jersey
Loans	• Up to $15,000 • Interest rate: 6.25%; Application fee: $50
Focus/Key requirements	Women entrepreneurs.
Other services	Training, Peer support, Technical assistance.

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