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Specialized Loan Programs

From government-backed SBA loans to loans for start-up companies, SEFCU offers low down payments and great terms!

SBA loans

SBA loans are guaranteed by the U.S. Small Business Administration and can benefit potential borrowers by offering lower down payments and more generous terms. SBA loans were designed for small business owners needing cash for a range of purposes; buying real estate, building inventory, and just about every business expense. Potential SBA borrowers must qualify in accordance with standard SEFCU underwriting guidelines. For additional information, please visit .

Small Enterprise Economic Development (SEED) Loans

With a SEED loan, entrepreneurs and small business owners may receive credit based on his/her character and the feasibility of the business model. Once you receive funding you will receive complimentary mentoring and counseling services from business professionals so you can get the advice and support you need to make your new business thrive! A six-week training course and program approval are required.

NYS Bridge to Success Mobilization Loan Program

This loan provides short-term working capital and term loans to minority and women-owned business enterprises. 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. To qualify, a business must be eligible for SEFCU membership, be minority or women-owned, and be a state-approved contractor.

Find Out If Specialized Loan Can Meet Your Business Needs!