Minority and Women-Owned Business Enterprises (MWBE) Bridge to Success Loan Program


Get the short-term working capital that you need

The Bridge to Success Loan Program aims to provide qualified
Minority and Women-owned Business Enterprises (MWBEs) with
access to short-term bridge loans necessary to execute contracting
opportunities across New York State.

As a participating lender, SEFCU is committed to providing the funding necessary to help MWBEs.

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Fill the gap with an MWBE Bridge to Success loan!

Features & Benefits

State Contractors: Get the Money You Need

If you are a state-approved contractor and have, or are in the process of obtaining, an executed state contract, SEFCU can help you get the short-term commercial working capital and term loans you need as part of the credit union's partnership with NYS Empire State Development.

Loan amounts up to $250,000 with terms typically between eight and 18 months. With this funding option you'll enjoy low upfront costs and a low rate.


To qualify for SEFCU's MWBE Bridge to Success Loan

  • Eligible for SEFCU membership
  • A certified state contractor and have, or be in the process of obtaining, an executed state contract
  • Only New York State–certified minority- and/or women-owned business enterprises (MWBEs) are eligible
  • Credit terms and decisions are underwritten by SEFCU's commercial credit policy
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To learn more about becoming a certified MWBE click here

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MWBE Bridge to Success Loan Program

For Minority and Women-Owned Business Enterprises

Short-term working capital 

Loan amounts from $75,000-$250,000


View MWBE Program

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Pay your SEFCU loan from an account at another financial institution from your phone, tablet, or computer