Grow Your Business Faster

Lower costs. More access. Through our partnership with Empire State
Development, Ponce Bank helps businesses unlock capital with enhanced
support and reduced risk.

Whether you're looking to reduce your borrowing costs, improve cash flow, or access additional
capital, our Empire State Development programs are built to help New York businesses scale —
with the backing of state support and the personal service of a community lender.

Programs designed to help you scale

Linked Deposit Program

Lower your effective interest rate through state-provided interest rate support — making your loan more affordable over time so you can invest more in your growth.

Contractor Financing Program

Designed for contractors and project-based businesses, this program provides the financing needed to bridge gaps between contract awards and payment, keeping your operations moving.

Capital Access Program

Reserve-backed lending that allows us to extend more credit to businesses that may not qualify through traditional underwriting alone — expanding what's possible for your business.

Loan Guarantee Program

State-backed loan guarantees that reduce lender risk and strengthen your loan application — helping businesses secure approvals and favorable terms with greater confidence.

Why Choose Ponce Bank?

Community-first lending

We're a minority-founded CDFI committed to serving businesses that larger institutions often overlook.

State-backed support

Our ESD partnership means you benefit from New York State programs that reduce costs and improve access — without added complexity.

Personal service

Work directly with our experienced lending team — not a call center. We know our borrowers by name and by need.

Purpose-driven capital

Around $0.80 of every dollar deposited with Ponce Bank creates community financing — your business growth contributes to the community's.

Ready to explore your options?

Reach out to our lending team and we'll help you find the right program for your business.

*Loans are offered by Ponce Bank and subject to credit approval. The specified capital access programs are offered through partnership with Empire State Development. Program availability is subject to eligibility requirements, and state and federal program terms and guidelines. Funding is limited and may be discontinued at any time. Rates and terms vary based on applicant qualifications and program criteria. Eligibility for New York State program(s) does not constitute an endorsement or guarantee of the loan.