Many banks and financiers do not want to hear from entrepreneurs if they have not been in business for at least 1-3 years. Accion, a non-profit micro lender wants to make it a little easier for NYC entrepreneurs to get the money they need to start and grow. Accion, has a finance program called the sprout program, that lends $1,000-$10,000 to NYC entrepreneurs who have been in business under 6 months. The other great part about this program is that you don’t need a perfect credit score to get funding. Many entrepreneurs have received funding with credit scores as low as 575. If you have been in business under 6 months and need funding, you should look into Accion’s Sprout Program.