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Economic Development

REVOLVING LOAN FUND

The City’s Revolving Loan Fund Program is administered by the CDA and was created from loan repayments received as a result of Small Cities Program economic development loans and Urban Development Action Grants secured in the early 1980’s. Loan repayments enable the City to provide low-interest loans to Fulton businesses for expansion and/or start-up. All assistance is in the form of loans, and a need for funding must be demonstrated in each application. Program goals include job creation or retention and/or increased sales and property tax revenues for the City. The loan fund provides gap financing which is generally not more than 30% of the total project cost, leveraging public and private financing to make each project economically feasible. Generally a ratio of one full-time job for every $10,000 of Revolving Loan Funds expended must be achieved; new positions created must be available for persons of low and moderate income.
The Oswego County Department of Employment and Training provides assistance in qualifying and referring individuals. The Revolving Loan Fund process is much like that of a normal lending institution with an application form and review by a seven-member Loan Committee which has been charged with the responsibility of recommending approval or denial of loan applications, based on established loan criteria. The funding stream is ongoing and loan applications are received throughout the year. Loans up to $99,999 are reviewed by the committee. Loan applications for $100,000 and over must be reviewed by the members of the Fulton Community Development Agency Board of Directors, comprised of the Mayor and Common Council of the City of Fulton.

EMPIRE ZONE

In July of 1994, the City of Fulton was designated an Economic Development Zone by the New York State Department of Economic Development. The City competed against approximately thirty applicants for designation. Economic Development Zone provides benefits to applicants, including specific wage and investment tax credits as well as utility benefits for new businesses locating in the Zone and existing businesses expanding within the Zone. A partnership with Operation Oswego County created through the E.D.Z. application process helps target funding to new and expanding Zone businesses. The program, known as the Empire Zone, has helped create thousands of jobs and millions of dollars worth of investments state-wide.