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Business Loan Program


DLDC Small Business Loan Program (rlf)

The objective of this program is to facilitate the expansion and retention of business activity within the City of Dunkirk, create employment opportunities, and expand the City’s tax base. 

Eligible Activities

The business activity to be undertaken with assistance from the DLDC Small Business Loan Program must directly result in the creation or retention of employment positions consistent with the Federal regulations and the Community Development Block Grant (CDBG) Program. Eligible activities include purchase of land or buildings, building construction or renovation, up-fit tenant improvements, purchase of equipment or inventory, or operating capital. 

Program Financing Amount

Applicants must demonstrate that all other private and public sources of debt and equity have either been maximized or are inappropriate, unaffordable, or otherwise unavailable. Assistance will not be considered where the amount of required assistance is less than $2,000.  The limit of assistance is $25,000 per loan. The DLDC will, from time to time, exceed this maximum amount if the proposed project demonstrates extraordinary public benefit and/or economic development potential.

All businesses requesting loan funds must create a minimum number of jobs that meet HUD income criteria within 1 year of funding based on the following:
  • Loans between $2000 and $8000 must create at least 1 new full-time job
  • Loans between $8001 and $16,000 must create a minimum of 2 new full-time jobs
  • Loans between $16,001 and $24,000 must create a minimum of 3 new full time jobs
  • Loans over $24,001 must create a minimum of 4 new full time jobs

Application Process

Applications for financing must include all of the information required by the Small Business Loan Program Application form, and any additional information as may be reasonably requested by the DLDC. Businesses must be located within the City of Dunkirk. For more information, please contact Nicole Clift, our CDBG Administrator, at 716-366-9878 or via email at


AL Tech Revolving Loan Fund

The AL Tech Revolving Loan Fund, administered by the County of Chautauqua Industrial Development Agency (CCIDA), offers fixed low interest loans to encourage business investment in Chautauqua County. It provides companies in the county with additional access to capital that enhances financing accommodations.

The below market, fixed interest rate, subordinated loans available through the AL Tech Revolving Loan Fund – for fixed asset or working capital needs – can help accelerate or expand business growth opportunities. As a result, companies can grow more quickly or plan larger expansions that command greater investment and create or retain more jobs.

With a capital base of $11 million, and a recapitalization rate of approximately $1.8 million annually, the AL Tech Revolving Loan Fund is well positioned to meet the economic development project needs of area businesses today and well into the future.

General Criteria

  • Businesses must be sole proprietorships, partnerships, limited liability companies or corporations.
  • Businesses must provide detailed information on the project to be financed, including business history, management, products, marketing and finances.
  • Businesses must be located or proposing to locate in Chautauqua County.

Priority Businesses

  • Information and communications technology
  • Tourism related activities
  • Commercial development
  • Supplying existing industries
  • Producing or providing national defense or Homeland Security products or services
  • Agriculture related activities
  • Non-speculative real estate development
  • Manufacturing
  • Industrial Park development or brownfield site remediation and redevelopment

For more information contact Kristine Morabito, Project Manager at CCIDA 716-664-4515 or visit