Funding & Resources


To learn more or receive a copy of the Business Start-up & Resource Guide, contact Commerce Chenango Economic Development at 607-334-1401 or email 

Business Start-Up & Resource Guide
Business Plan Basics
Business Structures

Local Business Resources

Commerce Chenango
All under one roof and home to the Chamber of Commerce, Tourism Promotion Agency (TPA) and Economic Development Resources (DCC and CCIDA).
607-334-1400 /

Cornell Cooperative Extension of Chenango County
Since 1913, Cornell Cooperative Extension of Chenango County (CCE-Chenango) has responded to the needs of local residents with unbiased, research-based information, tools and education that people have come to depend on and trust. Information, research, tools, and education for regional agriculture.
607-334-5841 or 607-334-9972

Small Business Development Center
One-on-one business counseling and planning assistance. Appointments held at Commerce Chenango offices.
607-267-4010 x105 (Michelle)

Other Business Resources

Alliance for Manufacturing and Technology
AM&T is a leader in assisting local manufacturers in overcoming the challenges of today’s competitive economy. Grant assistance, strategic planning, ISO training, & lean manufacturing.

Cornell Small Farms Program
Interactive courses, tutorials, training, and guides for farming

Empire State Development
Empire State Development (ESD) is the economic development arm for New York State, focused on strengthening New York State’s economy. Information on State Programs, financing, sites and facilities, data, and more.

Internal Revenue Service
Taxpayer information and services.

Manufacturers Association of Central New York
Tools, information, and resources for manufacturers.

Minority & Women Business Enterprise (MWBE) NYS Certification
The New York State Contract System (“NYSCS”) enables users to apply for NYS MWBE certification, search for NYS MWBE certified firms, and easily interact with our State agencies and authorities.
So Tier Regional Office: 607-721-8605

NY Energy Research and Development Authority (NYSERDA)
Renewable energy program assistance, financing, and resources.
(518) 862-1090

NY FarmNet
Services are available to all farms in New York State, large and small, with a diversity of commodities including dairy, crops, livestock, maple, fruit, vegetables, honey, nursery, and more.

New York State Department of Labor
Job search and career assistance, recruitment services, statistics, labor law information, and more.

New York State Department of State
Business filings, funding opportunities, and records.

New York State Department of Taxation and Finance
Tax forms, payments, account information, refunds, reporting, and sales tax registration.

Pursuit Lending (NYBDC)
Access more than 15 loan programs custom-fit to your needs, including SBA loans.
Business assistance, promotion, and loans
Main line: 1-800-923-2504 / To apply for a general business loan: 1-866-466-9232

Small Business Administration (SBA)
Loan programs, start-up assistance, business planning.

Southern Tier Startup Alliance
Mentoring, workshops, business incubators, and other entrepreneurship resources.

Startup New York
Tax exemption program and access to SUNY resources.

USDA Rural Development
Technical assistance and loans to support essential services in rural areas.

U.S. Government Services
U.S. Government services and information

Workforce Development & Training

CDO Workforce
Workforce development and training

Workforce development and training

Morrisville State College Norwich Campus
Workforce development and training

Business Start-Up & Resource Guide


There are multiple funding options for new and existing businesses in Chenango County. Please browse through the available options below.

Local Funding Options

Agricultural Revolving Loan Fund (ARLF)
Development Chenango provides the Dairy Revolving Loan Fund of up to $100,000 to assist dairy farms capable of expanding, increasing milking capacity, or the creation and retention of jobs in Chenango County.
Agricultural Revolving Loan Fund Fact Sheet
Agricultural Revolving Loan Fund Application (Existing Business)
 Agricultural Revolving Loan Fund Application (New Business)

Business Assistance Loan Fund (BALF)
Development Chenango Corporation provides business assistance loans of up to $100,000 for companies looking to undertake construction, renovation, product development, purchasing of capital equipment, and other ventures that will create or retain jobs in Chenango County.
Business Assistance Loan Fund Fact Sheet
Business Assistance Loan Fund Application (Existing Business)
Business Assistance Loan Fund Application (New Business)

Development Chenango Corporation COVID Loan Fund
The loan funds, with a maximum amount of $25,000 per project, can be used to reopen your business, hire back employees, replenish your inventory, or for working capital. Funds may be used for equipment or rebuilding if it pertains to COVID-19 related loss or injury. Streamlined and simplified for a quick turnaround, this is a rolling submission process and funds will continue to be awarded until the money is depleted. You must be a Chenango County business, prove financial need, and provide a personal guarantee.
DCC COVIID Loan Fund Fact Sheet_
DCC COVID Loan Fund Application

Chenango County Revolving Loan Fund (RLF)
Chenango County administers a Revolving Loan Fund Program which provides manufacturing firms (SIC codes 20-39) with up to $150,000 to assist in the funding of their project. This loan fund is available to both new and existing businesses and the goal is new job creation and/or retention of existing jobs. Agricultural product manufacturing projects are encouraged to apply as well.

Office of Community Renewal – CDBG Funding
The NYS CDBG program provides financial assistance to eligible cities, towns, and villages with populations under 50,000 and counties with an area population under 200,000. CDBG provides funding to local governments and not-for-profits to support public infrastructure projects, job creation and small business development, and to create and preserve affordable housing.

The state must ensure that no less than 70% of its CDBG funds are used for activities that benefit low- and moderate-income persons. Once a project is deemed eligible, Commerce Chenango can provide application assistance and administration.

Additional Funding Options

This list of resources cover a wide range of topics that business owners may find helpful.

2021 Small Business Grants
This resource provides links to several funding opportunities for small businesses, new businesses, entrepreneurs, women, minorities, and veterans
Small Business Grants for 2021

Bridge to Success
Empire State Development (ESD) expands access to short-term loans to qualified MWBEs to boost their ability to participate in contracting opportunities with New York State.

Empire State Development Economic Development Loan Fund
The Empire State Economic Development Fund (EDF) offers financial assistance for projects that promote New York State’s economic health by facilitating job creation and/or retention, or increased business activity in the state.

Innovation Venture Capital Fund
The Innovation Venture Capital Fund (the “Fund”) is a $100 million venture capital fund that invests in seed and early stage businesses throughout New York State. The Fund provides critical funding to promote the commercialization of new technologies, encourage job creation and drive economic growth.

SBA 504 & 7(A)
An SBA 504 loan is commercial real estate financing for owner-occupied properties. These loans require only a 10 percent down payment by the small business owner and funding amounts range from $125,000 to $20 million. On the other hand, SBA 7a loans can be used to buy a business or obtain working capital. For more information:

Small Business Administration Loans
These loan programs are through the Small Business Administration. Businesses may apply for SBA loan programs only through a conventional bank. For more information, visit your local preferred lender. For more information:

Southern Tier 8 Regional Board
Southern Tier East Regional Planning Development Board is now Southern Tier 8 Regional Board. Funding for Community Revitalization Fund (downtown revitalization) + Rural Initative Fund (agriculture & forestry) + Shovel Ready Site Fund (site development) + Upstate Revitalization Initiative.

Southern Tier East Economic Development (STEED) Revolving Loan Funds
The Southern Tier East Economic Development Revolving Loan Fund Program (STEED) is designed to stimulate the creation and expansion of small business for the purpose of retaining and/or creating jobs in the eight county STEED Region that includes Chenango. While the STEED RLF is not a substitute for conventional financing, it can fill in the gaps in existing local financial markets and attract additional capital, which would otherwise not be available for economic development. Fact sheet FINAL

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