Get a Business Line of Credit in New York

Small businesses in the Empire State account for 4.1 million jobs, more than half of all private-sector employment in New York State. From construction and manufacturing to educational services and high technology, small businesses are an important part of every industry in New York State. Interestingly, 43% of NY small businesses owners applied for credit for their business. LINK Nearly half of these applicants (53%) experienced a financing shortfall, meaning they obtained less funding than they sought.

Especially now, considering the economic fallout from COVID-19 New York government imposed lockdowns, the demand for small business financing will surely rise. Now is the time to seek affordable capital if you are a small business in New York State. Our bank partners are offering affordable access to credit in the form of a credit line (line of credit). We have all regions of New York state covered, whether your business is in Albany or Montauk. Apply today for a line of credit for your NY business.

See if you qualify for a Line of Credit in

New York

before you apply

See Requirements in Your State
The lines of credit vary from state to state. See the requirements before you apply.
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Sometimes small business owners like to learn more about the available programs before applying.
See an overview of our programs
Find out how a line of credit can specifically help your business. Rates, terms and requirements.

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Resources

November 21, 2025
The Hidden Cost of Delaying a Line of Credit: Why Waiting Too Long Hurts Your Approval Odds and Your Business
Learn More.
November 18, 2025
The Ultimate Guide to Business Lines of Credit for Small Businesses: How to Get & Use One
Learn More.
October 3, 2025
Breaking News: Government Shutdown Halts SBA Lending
Learn More.
September 16, 2025
What Do September 2025 Expected Fed Rate Cuts Mean for Small Business Lines of Credit?
Learn More.
June 2, 2025
Declined by your Bank? Here is what to do.
Learn More.
March 7, 2025
Line of Credit Approvals with Losses On Tax Returns
Learn More.