economic development loans, usually to fill financial gap in project after other financing is exhausted, to businesses creating new jobs loan products for high priority businesses in targeted areas of the city; businesses taking advantage of and enhancing Cayuga Waterfront Trail.

Provides loans of up to $50,000 to start-up and growing entrepreneurs, especially women and minority business owners are encouraged to apply.

Financial assistance with personal or business expenses for low-income small business owners.

Provides programs aimed at locally owned and operated businesses, which offers business consultation, funding, networking, and other business developing services, along with applications for city contracts, including specialized segments for minority or women owned businesses.

Provides low interest loan money to stimulate local business development opportunities. Funds are provided on a matching basis; previous loans have provided up to 50 to 60 percent of the cost of approved projects.

Works in partnership with the private sector and the community-based organizations to provide financial assistance and business planning primarily in rural areas. Helps fund projects or provides loan guarantees that create or preserve quality jobs and/or promote a clean rural environment. Recipients of these programs may include individuals, corporations, partnerships, cooperatives, public bodies, nonprofit corporations, Indian tribes, and private companies.

Works in partnership with the private sector and the community-based organizations to provide financial assistance and business planning primarily in rural areas. Helps fund projects or provides loan guarantees that create or preserve quality jobs and/or promote a clean rural environment. Recipients of these programs may include individuals, corporations, partnerships, cooperatives, public bodies, nonprofit corporations, Indian tribes, and private companies.

Raising HOPE: a one-to one mentoring program to help women in need of support to develop and achieve educational or career goals in order to become financially stable and self-sufficient. A limited amount of financial assistance is available annually to address a mentee’s educational or career goals, or to maintain housing or financial stability. Must be a program participant for at least 6 months prior to submitting a financial assistance request.

Provides referrals for working parents searching for licensed day care providers. Also provides training workshops for day care providers on various topics, such as early childhood development, health and safety, nutrition, educational activities, and program management. Assists those interested in starting a day care through funding and orientation seminars.

Provides low interest loans to small businesses.

Provides low interest loan money to stimulate local business development opportunities. Funds are provided on a matching basis; previous loans have provided up to 50 to 60 percent of the cost of approved projects.

* Provides low-interest disaster loans to help businesses and homeowners recover from declared disasters. Physical Damage: Loans to cover repairs and replacement of physical assets damaged in a declared disaster. Economic Injury: Loans to cover small business operating expenses after a declared disaster.

Provides small business owners access to low cost business capital and credible financial resources needed to grow today, develop and increase their business capacity to succeed tomorrow. Provides low cost business funding (from $50k-$500k).

Focuses on creating asset development opportunities for both residents and entrepreneurs. Assists individuals in growing and investing in their communities by providing lending capital, training, consulting, technical assistance, seminars, workshops, and low-cost business rental space to new and existing businesses that would otherwise lack access to these services. Assists area residents in developing asset based thinking by providing financial literacy training, basic budgeting, and home appliance loans to combat predatory lenders. Loan programs and Cottage Industry Assistance Program target low to moderate income existing and prospective individuals. Chautauqua Microenterprise Loan Fund and the Women and Minority Microenterprise Loan Fund Programs help small businesses by providing small business start up and expansion loans. The small business incubator offers small businesses an opportunity to grow and stabilize with subsidies around rent, business services, and technical assistance. Program site serves as a Warming Center during times of excessive cold and as a Cooling Center during times of excessive heat. Always call ahead to make sure a Warming/Cooling Center is open before going there.

Program offers small targeted loans for business creation or expansion that can directly result in increased income and wealth generation.

Provides access to capital, technical assistance, business training, and referral services for minority- and women-owned businesses. Program assists each applicant to evaluate the effectiveness of their business operations, view their business from an external perspective, and access technical assistance tailored to the specific needs of the business operating model.

A certified Community Development Financial Institution (CDFI) established in 2003 as the economic development arm of Chautauqua Opportunities, Inc. (COI). CODI is committed to fostering entrepreneurship and small business growth by providing training, technical assistance, and access to loan capital—particularly for microenterprises that are unable to obtain traditional financing. Our clients often face significant barriers such as limited credit history, insufficient collateral, or a lack of business experience. CODI addresses these challenges through robust technical assistance, including: - Business Loans and Lines of Credit to new and existing businesses to help with equipment, inventory and operating expenses. CODI offers both Micro (up to $5,000) and Term ($5,000 - $50,000) products. - Microenterprise Assistance Program (MAP) grants up to $25,000 to businesses in partnership with the Chautauqua County Partnership for Economic Growth. - Business of the Week promotional social media posts to increase local businesses awareness at no cost. - A 14-hour Small Business Essentials training course that covers Basic Business Structure, Internet Business Basics, Defining Your Customer, Target Marketing, Finances and Bookkeeping. - CODI’s Home Appliance Loan Program provides consumers with affordable financing terms as an alternative to predatory rent-to-own establishments. (See separate listing for program) (See separate listing for program)

Works in partnership with the private sector and the community-based organizations to provide financial assistance and business planning primarily in rural areas. Helps fund projects or provides loan guarantees that create or preserve quality jobs and/or promote a clean rural environment. Recipients of these programs may include individuals, corporations, partnerships, cooperatives, public bodies, nonprofit corporations, Indian tribes, and private companies.

Workplace safety training, human resource management programs, workforce recruitment assistance, an On-the-Job Training Program, and export help among other valuable services for industrial employers in northern New York.

Provides a 15-week entrepreneurial training program, business counseling, technical assistance and workshops. Also offers loans of $500 up to $50,000 that are available to start-up and existing entrepreneurs. Women and miniroty business owners are encouraged to apply.

Provides low-interest loans to Fulton businesses for expansion and/or start-up.

Provides low interest loans to small businesses.