Start the Loan Application Process

Let us better understand your business. Fill out our loan eligibility form below to get started.


Your information will be kept private; we will never send you spam emails, and we will never sell your information.


HEF Loan Products:

  1. The HEF Small Business Loan provides supportive capital ranging from $10,000 to $150,000 to Small and Medium Enterprises (SMEs) and Minority/Women-owned Business Enterprises (M/WBEs).

  2. The HEF Small Business Credit Builder Loan provides access to capital to existing small businesses with low-to-moderate incomes to build their credit with up to $5,000 in financing. 

  3. The HEF COVID-19 Small Business Recovery Loan will provide capital and technical assistance to ensure successful recovery for small businesses affected by the COVID-19 pandemic with up to $15,000. 


To be eligible to apply for a loan, your business must:

  • Be located in one of HEF's target areas in New York City, including, but not limited to: the area above 42nd street, upper Manhattan, the Bronx, and several underserved neighborhoods in Brooklyn and Queens.

  • Be in business for 3 or more months

  • Not fall in one of the following industry sectors: Adult Entertainment, Alcohol/Liquor, Finance, or Real Estate

  • Have no outstanding tax liens or judgments, have not declared bankruptcy in the past 3 years, and does not owe any child support