Mohawk Valley Library Association

Better Business Basics

 

Regional and New York State Resources

Business Loans

Albany Colonie Regional Chamber of Commerce
1 Computer Drive South, Colonie, NY 12205
(518) 453-5223
Services: Loans ranging from $1000 to $35,000 available for small
businesses in Fulton, Montgomery, Schenectady, and Schoharie Counties.
Funds cannot be used toward real estate but may be used for capital,
inventory, furniture, or equipment.

Capital District Community Loan Fund
255 Orange Street #103,
Albany, NY 12210
Phone (518) 436-8586
Services: Non-profit community lending program. Will lend to new businesses and businesses that have existed at least 6 months. Covers an eleven county area including Fulton, Montgomery, and Schenectady Counties.

Empire State Development
Division for Small Business
30 South Pearl Street
Albany, NY 12245
1-800-782-8369
Services: Assists companies located inside and outside of New York State by providing financial and tax incentives, energy savings, and loan discounts needed to establish and grow a business. Aids in finding sites, joint venture partners and strategic alliances. Assist businesses in promotion of the export of products made in the state.

Fulton County
Fulton County Economic Development Corporation
The Johnstown Professional Office Complex
55 East Main Street, Suite 110 - Johnstown, NY 12095
Tel: 518-762-8700 Fax: 518-762-8702

Montgomery County
Montgomery County Industrial Development Agency
Old County Courthouse
P.O. Box 1500, Park Street
Fonda, NY 12068
Phone: 518.853.8334 Fax: 518.853.8336
Email: myevoli@co.montgomery.ny.us

Schenectady County
Choose Start a Business for agencies.

 Schoharie County
243 Main Street
P.O. Box 400
Schoharie, NY 12157-0400
Phone: (518) 295-7033, Fax: (518) 295-7033

New York Business Development Corporation
50 Beaver Street
Albany, NY 12207
Phone: 1-800-923-2504 Fax: 518-463-0240
Services: Promotes economic activity within New York State by providing innovative loans to small businesses; assists partner banks in making such loans, assists minority-owned and women-owned businesses by offering credit opportunities not otherwise available to them
New York State Small Business Development Center
1 Pinnacle Place, Suite 218, Albany, NY 12203
Phone: (518) 453-9567
Services: One-on-one counseling for small business startup and offers financial options for small businesses.
 
U.S. Small Business Administration-Financing Your Business
Services: Loan programs, forms, lending programs, loan statistics, secondary markets, investments, angel capital, surety bond and more.
 
U.S. Small Business Administration-Loan Programs
Services: Index of loan programs offered by the SBA. Some are offered in Spanish.
(It may be helpful to see BusinessFinance.com finance page for an explanation of some of the kinds of small business loans available. You will not be able to follow the links on this page.)

Chambers of Commerce

Fulton County Regional Chamber of Commerce
2 North Main Street , Gloversville, NY 12078
Phone: (518)436-8586
Services: Provides management and marketing support for
member businesses. Offers health insurance, local demographics, market research, training, promotional events, Web site, networking, and representation in state and local forums.
Montgomery County Chamber of Commerce
PO Box 309, Amsterdam, NY 12010
Phone: (518) 842-8200
1-800-743-7337
Services: Provides management, marketing, Web site, training, local and demographic information, networking, and counseling support for member businesses.
 
Schenectady County Chamber of Commerce
306 State Street, Schenectady, NY 12305
Phone: (518) 372-5656
Services: Offers promotion, advocacy, training, preferred
vendor status, networking and support for new and existing businesses.

Schoharie County
243 Main Street
P.O. Box 400
Schoharie, NY 12157-0400
Phone: (518) 295-7033, Fax: (518) 295-7033

Education/Counseling/Mentoring

Capital District Business Resource Center
SCORE-Service Corps of Retired Executives
1 Computer Drive South, Albany, NY 12205
Phone: (518) 446-1118 ext. 233
Services: Offers one-on-one counseling for small business
startup and maintenance.
 
Childcare Coordinating
Council of the Capital District
91 Broadway, Menands, NY 12204
Phone: (518) 426-7181
Services: Information about registration and licensing of daycare facilities. Training offered for daycare providers.
 
Cornell University - Program on Agriculture and Small Business Finance
Services: Programs around the state dealing with agriculture and small business

Fulton County Regional Chamber of Commerce
2 North Main Street , Gloversville, NY 12078
Phone: (518) 436-8586
Services: Provides management and marketing support for
member businesses. Offers health insurance, local demographics, market research, training, promotional events, Web site, networking, and representation in state and local forums.
Fulton Montgomery Community College
Business and Industry Center, 2805 State Highway 67
Johnstown, NY 12095
Phone: (518) 762-4651 ext. 78103
Services: Offers customized training options for area employers looking to upgrade workforce and business skills. Also provides computer, small business management, safety and health, and technical skills.
 
Fulton Montgomery Community College
Vocational English as a Second Language Bridge Program
Phone: (518) 762-4651 ext. 74502
Services: English language program focusing on business
usage.

The Institute for Entrepreneurship
41 State Street, Suite 110M,
Albany, NY 12207
Phone: (518) 443-5606
Toll Free: 1-877-275-6943
Services: Membership fee. Online courses for entrepreneurs.
Grants for small business in several categories.
 
Schenectady County Community Business Center
920 Albany Street
Schenectady, NY 12307
Phone: (518) 382-3069
Services: Serves a broad range of needs of both new and existing businesses, their owners and managers through education, mentoring, and loan programs.
 
Siena Family Business Institute
515 Loudon Road,
Loudonville, NY 12211
Phone: (518) 783-4254
Services: Membership fee. Offers monthly seminars (Sept.-May) on management, succession planning, legal and tax issues for family businesses. Subgroups focusing on women and potential successors.

New York State Small Business Development Center
1 Pinnacle Place, Suite 218, Albany, NY 12203
Phone: (518) 453-9567
Services: One-on-one counseling for small business startup and offers financial options for small businesses.
 
U-Start Business Incubator
Union College
4 Nott Terrace, Schenectady, NY 12306
Phone: (518) 631-0472
Services: Business incubator which provides mentoring services, seminars and resources for high-tech businesses.

Government Contracts

New York State Office of General Services
Services: This agency establishes contracts for use by State agencies, political subdivisions and other organizations authorized by law to purchase from State contracts.

U.S. Government-Department of the Treasury
Services: Small Business Subcontracting Opportunities Directory

Hispanic/Minorities/Veterans/
Women-Owned Businesses

Centro Civico
143-145 East Main Street, Amsterdam, NY 12010
Phone: (518) 842-3762
Services: Hispanic cultural center which serves all members of the community and supports small business startup. Plans for a small business incubator are being developed. Offers computer lab and English as a Second Language for business purposes.
 
New York Business Development Corporation
50 Beaver Street
Albany, NY 12207
Phone: 1-800-923-2504 Fax: 518-463-0240
Services: Financing opportunities for minority and women-owned businesses loan programs.
 
SBA Online Women's Business Center
Services: Initiatives for Hispanics and African-Americans
 
SBA Online Women's Business Center-Espanol
Services: Articles in Spanish on small business topics.
 
SBA Office Of Veterans Business Development
Services: SBA services to help veterans in business.
 
"Una Voz"
National Association for the Empowerment of Hispanic Women, Inc.
71 Sudbury Road, Glenmont, NY 12077
Phone: (518) 439-2824
 
Women's Business Centers
Services: Women's Business Centers provide long-term training, counseling and assistance in finance, management, marketing, procurement and the Internet. They also address specialized topics such as home-based businesses, corporate executive downsizing and welfare-to-work. May offer programs in two or more languages.
 
Women's Business Ownership Representatives
Services: Identifies the nearest Women's Business Owner representative familiar with the programs and services offered to women in your area.(Requires Adobe Acrobat Reader)

Insurance

New York State Insurance Department
Empire State Plaza, Agency Building No. 1, Albany, NY 12257
Services: Health and Property Casualty Insurance guidelines and programs. Health
care coverage is available for small businesses, the self-employed, and
uninsured employees.

Legal Issues

New York State-Division of Corporations
State St., 2nd Floor, Albany, NY 12231
(518) 473-2492
Services: Corporations and business entities, Uniform Commercial Code and filing instructions.
 
Science & Technology Law Center-Albany Law School
Albany Law School
80 New Scotland Avenue
Albany, NY 12208
Phone: 518.445.2311 Fax: 518.445.2315
eMail: info@mail.als.edu
Services: Provides startup and legal information on issues concerning high-tech businesses.

Licensing & Permits/Labor

Childcare Coordinating Council of the Capital District
91 Broadway, Menands, NY 12204
Phone: (518) 426-7181
Services: Information about registration and licensing of daycare facilities. Training offered for daycare providers.

City/Town/County Governments
For an understanding of local laws like zoning, parking sign regulations and certain occupational licenses you may need to contact the clerk in the city, town or village where the business will be located.

Fulton County
County Office Building
223 West Main Street, Johnstown, NY 12095
Clerk, (518) 736-5555

City of Gloversville
Frontage Road, Gloversville, NY 12078
Clerk, (518) 773-4542

City of Johnstown
33-41 East Main Street, Johnstown, NY 12095
Clerk, (518) 736-4011

City of Schenectady
City Hall
Jay Street, Schenectady, NY 12305
Clerk, (518) 382-5195

Schenectady County
Delanson - Village Hall, 1797 Main Street, Delanson, NY 12053
(518) 895-2257
    • Duanesburg -Town Hall, 5853 Western Turnpike, Duanesburg, NY 12056
      (518) 895-8920
    • Glenville - Glenville Municipal Center, 18 Glenridge Road, Glenville, NY 12302
      (518) 384-0036
    • Niskayuna -Town Hall, One Niskayuna Circle, Niskayuna, NY 12309
      (518) 386-4510
    • Princetown - Town Hall, 1543 South Kelley Road, Schenectady, NY 12306
      (518) 355-3468

New York State Department of Labor
Services: New York State wage, hour, and child labor laws, unemployment insurance, etc.

 Office of Regulatory Reform (GORR)
Alfred E. Smith Building, 17th floor, PO Box 70
Albany, NY 12225
Phone 1-800-342-3464
Services: Permit assistance database gives industry and agency specific information. Contacting your local government for any necessary approvals before filing for state permits is advisable.

 Local Governments
National Association of Counties
Services: Select county of interest. Information on elected officials and local government contact and more.

Local Organizations

Gloversville Business and Professional League
c/o David Gibson
Phone: (518) 773-7010
Services: Merchants association providing support for new
or existing businesses.
 
Johnstown Business and Professional League
c/o Eva Mraz
Phone (518) 762-1852
Services: Merchants association providing support for new or existing businesses.

New York State

New York State Government
Services: Portal that provides easy access to New York State government resources available to assist small businesses.

Taxes

New York State Department of Tax & Finance
Services: Small business information and business tax resources.
Better Business Basics is supported by Federal Library Services and Technology Act funds, awarded to the New York State Library by the Federal Institute of Museum and Library Services.

Send e-mail to MVLS@mvls.info.

Last updated: May 11, 2004 © 2001 Mohawk Valley Library System