Start the Loan Application Process

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HEF primarily focuses its efforts on businesses that are located or serve Upper Manhattan, Harlem, Washington Heights, and the Bronx. HEF offers loans of up to $150,000 for 1-5 years at a 4-12% fixed interest rate. Loans can be used for day-to-day operations, marketing & advertising, equipment & machinery, leasehold improvements, and inventory purchases


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

  • 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

Need business financing, resources, or guidance?

Call (212) 749-0900 ext. 110

Harlem Entrepreneurial Fund

361 West 125th Street, Fl 2

New York, NY 10027


(212) 749-0900 x 110


HEF is a United States Treasury-Certified Community Development Financial Institution (CDFI) providing micro-financing to minority small business owners in Harlem, Washington Heights, Inwood and the Bronx.

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