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SBA Loans

Government guaranteed loans are available through the U.S. Small Business Administration (SBA) for new and growing businesses. All businesses, including those that have been in operation for less than two years, may qualify. SBA and Hudson Valley can work together to provide loans up to $5 million.

SBA Lender logo
Approved to offer SBA loan products under SBA’s [Preferred Lender/Express; Lender/Certified; or Lender/Microloan] programs.

Important Info About Opening a Business Account for a Legal Entity


Business Lending Made Easy

We now offer a convenient and simple way for you to apply online for a business loan – any time and from any device. Whether you are looking for a credit card, line of credit, equipment/vehicle loan, or commercial mortgage, you can get the process started by clicking the button below.

Must be eligible for membership if applying for funding through HVCU. Qualified business include those located in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County.


SBA 7(a) Loan Guarantee Program

Loan proceeds can be used to provide short and long-term working capital, to purchase equipment, to construct a new building, or to renovate an existing building.


  • Getting an SBA Guarantee can make it easier for newer businesses to get funding.

SBA 504 Loan

This program is designed to help growing businesses acquire fixed assets, including land, buildings, or equipment, to expand their business operations and create new jobs. Under this program, HVCU lends 50% of the project cost, the SBA lends 35-40%, and the borrowing business provides the remaining 10-15%.


  • Getting an SBA Guarantee can make it easier for newer businesses to get funding.
  • No mortgage tax on SBA second lien.
  • Twenty-year term on SBA second lien.