Contractor Lending

Get the capital you need to deliver on contracts, grow your business, and strengthen your community.

Short-term, contract-based mobilization, equipment financing and payroll support for small business contractors.

Fast, Flexible Funding for Small Business Contractors

Loan Amounts: $50,000–$1,000,000

Advance Rate: Up to 30% of contract or PO value

Term: 3–24 months

Interest Rate: 5.5% fixed

Fees: $250 application fee, 3.5% closing fee

Repayment: Assignment of proceeds from contract payments

Site Inspection: Required prior to closing

Who Can Apply?

Business Location: New York State

Minimum Credit Score: 600 FICO

Annual Revenue: $150,000+

Business History: 1+ years in operation

For-Profit Businesses Only: Excludes speculative real estate, developers, and financing businesses

Social Impact: Preference for businesses in LMI/underserved communities, majority women/minority/disadvantaged ownership, or those employing LMI workers

How It Works

Quick Inquiry: Submit your interest and basic business info.

Screening: We review your eligibility and contract details.

Assessment: We validate your contract and determine your advance amount.

Underwriting: Submit document application, financials, contract/PO, insurance, etc.

Closing & Funding: Sign documents, complete a site inspection, and receive your funds.

Support: Ongoing monitoring and technical assistance.

Eligible Uses for Contractor Loans

Working capital
Staffing
Equipment or inventory
Insurance and materials
Leasehold improvements
Debt refinancing related to contract fulfillment

Four construction workers having meeting

For more information, call Mark Brazier, SVP of Contractor Lending, at 914-747-8061 or send email to mbrazier@communitycapitalny.org.

Thank you for your interest in a contractor-based loan from Community Capital New York. We provide contract-based financing to businesses in New York State. This product is designed for businesses that have secured contracts or purchase orders (POs) and need short-term working capital to fulfill those obligations.

We offer Contractor loans from $50,000 to $1,000,000 and are certified by the U.S. Small Business Administration (SBA).

We look forward to assisting you with your financing needs.

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Company

This field is for validation purposes and should be left unchanged.

Owner Name*

First Last

Email Address*

Phone Number*

Are you at least 21 years old?*

Thank you for your interest in Community Capital New York. Unfortunately, we can only offer loans to business owners who are 21 and older.

In what county in New York is your business located?*

Business Name*

Business Address*

Street Address Address Line 2 City State ZIP Code

What industry is your business in?*

What Industry?

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Brief Business Description

How much capital do you need up to $1,000,000?*

Please enter a number from 50000 to 1000000.

The Contractor Loan amount must be between $50,000 and $1,000,000

Purpose of the Loan*

Do you have a current contract or purchase order with a reputable buyer?*

Yes

Estimated Contract or PO value

Legal Structure of Your Business

Years in Business*

Have you had a bankruptcy in the last 24 months?*

Do you have any unresolved liens, judgments, collections or charge-offs?*

Please explain any unresolved liens, judgments, collections or charge-offs

Are you responsible for making Child Support Payments?*

Yes

Are you current with your Child Support Payments?

Yes

Are you a US citizen or have legal residency?*

Social Impact Qualification (Select all that apply)*

Business is in a LMI or underserved community

Majority-owned by women, minorities, or disadvantaged group

Employs workers from LMI communities

How did you hear about Community Capital NY?*

How did you hear?

Would you like to join the Community Capital New York mailing list?*

Any additional comments or questions?

Your information is never sold to, given or shared with anyone, ever!