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Loan & Grant Programs Qualified businesses and entrepreneurs have access to a variety of loan and grant programs offered by state and local governments and private institutions.   Linked Deposit Program Affordable capital based on bank loans at two to three percentage points below the prevailing interest rates.   New York Business Development Corporation Provides loans to small- and medium-sized businesses and offers credit opportunities to minority- and women-owned businesses. Faculty Development Program Awards of up to $750,000 to recruit or retain prominent faculty members at New York institutions of higher education. Technology Transfer Incentive Program Awards of up to $750,000 to accelerate commercialization of a promising technology by partnering a New York company with an institution of higher education.