New York City, January 1, 2026
New York City boasts a thriving small business landscape that relies heavily on accessible funding. This article highlights the top seven small business funding companies in NYC for 2025, including Kiva NYC, Lendistry, and Accion Opportunity Fund, which offer various loan options and support for entrepreneurs. These organizations play a vital role in fostering economic growth and providing essential financial resources for small businesses in the city.
New York City, NY – Top 7 Small Business Funding Companies in New York (2025 Ranked)
New York City is home to a vibrant and diverse small business ecosystem. Access to reliable funding is crucial for these enterprises to thrive. Based on recent evaluations, here are the top seven small business funding companies in New York for 2025:
1. Kiva NYC
Kiva NYC offers zero-interest loans up to $15,000 to small business owners in New York City. Their platform connects entrepreneurs with a global community of lenders, fostering local economic growth.
2. Lendistry
Lendistry provides SBA 7(a) and 504 loans, as well as other financing options tailored for small businesses. They focus on underserved communities, ensuring equitable access to capital.
3. Accion Opportunity Fund
Accion Opportunity Fund offers microloans ranging from $300 to $100,000, along with business coaching and resources. Their mission is to support diverse entrepreneurs in achieving financial success.
4. Fundera
Fundera acts as a marketplace, connecting small business owners with various lenders. They provide a comprehensive comparison of loan options, helping businesses find the best fit for their needs.
5. OnDeck
OnDeck specializes in short-term loans and lines of credit, offering quick access to funds. Their streamlined application process is designed for businesses needing fast capital.
6. BlueVine
BlueVine offers lines of credit and invoice factoring, providing flexible funding solutions. They cater to businesses with varying credit profiles, ensuring broader access to financing.
7. StreetShares
StreetShares focuses on veteran-owned businesses, offering term loans and lines of credit. Their commitment to veterans ensures that those who have served have the resources to succeed in business.
Access to these funding options can significantly impact the growth and sustainability of small businesses in New York City. Entrepreneurs are encouraged to explore these resources to find the best fit for their financial needs.
Frequently Asked Questions (FAQ)
What are the top small business funding companies in New York City for 2025?
The top seven small business funding companies in New York City for 2025 are Kiva NYC, Lendistry, Accion Opportunity Fund, Fundera, OnDeck, BlueVine, and StreetShares.
What types of loans does Kiva NYC offer?
Kiva NYC offers zero-interest loans up to $15,000 to small business owners in New York City.
Who does Lendistry focus on?
Lendistry focuses on underserved communities, ensuring equitable access to capital for small businesses.
What is the mission of Accion Opportunity Fund?
Accion Opportunity Fund’s mission is to support diverse entrepreneurs in achieving financial success by offering microloans and business coaching.
How does Fundera assist small business owners?
Fundera acts as a marketplace, connecting small business owners with various lenders and providing a comprehensive comparison of loan options.
What types of funding does OnDeck provide?
OnDeck specializes in short-term loans and lines of credit, offering quick access to funds for businesses needing fast capital.
Who can benefit from BlueVine’s services?
BlueVine caters to businesses with varying credit profiles, offering lines of credit and invoice factoring to provide flexible funding solutions.
What is StreetShares’ focus?
StreetShares focuses on veteran-owned businesses, offering term loans and lines of credit to support those who have served in the military.
Key Features of Top Small Business Funding Companies in New York City (2025)
| Company | Loan Types | Target Audience | Loan Amounts | Interest Rates |
|---|---|---|---|---|
| Kiva NYC | Zero-interest loans | Small business owners in NYC | Up to $15,000 | 0% |
| Lendistry | SBA 7(a), SBA 504, other financing options | Underserved communities | Varies | Varies |
| Accion Opportunity Fund | Microloans, business coaching | Diverse entrepreneurs | $300 to $100,000 | Varies |
| Fundera | Loan marketplace | Small business owners | Varies | Varies |
| OnDeck | Short-term loans, lines of credit | Businesses needing fast capital | Varies | Varies |
| BlueVine | Lines of credit, invoice factoring | Businesses with varying credit profiles | Varies | Varies |
| StreetShares | Term loans, lines of credit | Veteran-owned businesses | Varies | Varies |
Now Happening on X
- @andrewcuomo (Sep 18, 2025): Shared vision for a stronger New York, including launching a $1.5B Five-Borough Economic Transformation Fund to boost growth and reduce government obstacles. View on X
- @SMB_Attorney (Jan 2, 2025): To build a 9-figure company in 2025, solve issues like small business working capital and acquisition financing between $10-20 million in EV. View on X
- @SBA_Kelly (Dec 2, 2025): Under President Trump, small businesses reached a record 36 million with $45 billion in SBA loans approved for hiring and expansion, ending the year strong. View on X
- @ZohranKMamdani (Nov 19, 2025): Emphasizing that small businesses power New York City, cutting red tape and expanding support for working-class entrepreneurs, immigrants, and locals to open and grow businesses. View on X
- @SBA_Kelly (Oct 1, 2025): In FY25, SBA delivered a record $45 billion in capital to nearly 85,000 small businesses, showing returned confidence on Main Street for hiring and growth. View on X
- @NYC_SBS (Dec 30, 2025): Looking for affordable financing for your small business? Check out NYC Funds Finder, an online lending marketplace. View on X
- @NYBizJournal (Dec 26, 2025): Owners prepared for 2026 business dynamics will have better access to financing in the new year. View on X
Deeper Dive: News & Info About This Topic
HERE Resources
Applications Now Open for Stuart Piltch Entrepreneur Grant
New York Firm Fuels Miami AI Real Estate Startup’s Growth
Balancing Innovation and Oversight: AI in New York’s Marketing Landscape
Governor Hochul’s Congestion Pricing Advice Sparks Business Concerns
Long Island Seeks $50 Million for Startup Manufacturing Hub
Manhattan’s Small Business Landscape: A Resilient Community
New York State Thruway Authority Proposes New Toll Surcharge
Mayor Adams Unveils Initiatives to Support NYC SNAP Recipients
FundKite Launches Cash Flow Financing for Business Growth
Trump Media Group and TAE Technologies Merge for $6 Billion Fusion Power Initiative
Author: STAFF HERE NEW YORK WRITER
The NEW YORK STAFF WRITER represents the experienced team at HERENewYork.com, your go-to source for actionable local news and information in New York, the five boroughs, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as New York Fashion Week, Macy's Thanksgiving Day Parade, and Tribeca Film Festival. Our coverage extends to key organizations like the Greater New York Chamber of Commerce and United Way of New York, plus leading businesses in finance and media that power the local economy such as JPMorgan Chase, Goldman Sachs, and Bloomberg. As part of the broader HERE network, including HEREBuffalo.com, we provide comprehensive, credible insights into New York's dynamic landscape.
