Guest speaker presenting information to listening students

The Micro-Enterprise Program is coordinated by the SUNY Oswego Business Resource Center (BRC) and supported by the City of Fulton Community Development Agency, the City of Oswego Community Development Office, and Operation Oswego County to provide guidance and support to people interested in starting or expanding a small business.

The program provides a 14-hour small-business training program that covers such topics as how to write a business plan, how to obtain financing, accounting and tax issues, business insurance, legalities, marketing, and other basic business start-up issues.

Graduates of the program are eligible to apply for up to $25,000 in low-interest financing to expand or start their business in Oswego County.

Tuition for the program is $50 and includes all materials. Due to COVID-19, all classes are currently being held online. Scholarships are available for households within low to moderate income guidelines as established by U.S. Department of Housing and Urban Development.

2022 Small Business Training Classes

Three classes will be held during the 2022 calendar year. The classes will be taught online, via GoToMeeting, from 5:30-7:30 p.m. Limited scholarships will be offered.

January 24-28, January 31 and February 1

June 6-10 and 13-14

September 12-16 and 19-20

Registration and payment for the class are online.

download the micro enterprise program brochure

Course Outline:

Introduction to Small Business Ownership

  • Meet the class participants and learn about one of the best ways to meet new customers
  • Meet and listen to current small business owners as they share their insights on owning and operating a small business
  • Learn the basic steps of small business start-up and the resources available

Business Planning and Financing

  • Introduction to the written business plan and how to start writing your own plan
  • Learn how to go about obtaining funds from a bank
  • Learn how to check your credit history and how to address any related credit problems

Risk Management

  • Learn about the use of business insurance as one aspect of risk management for your business

Financial Statements and Accounting

  • Learn how to do a cash flow statement for your business
  • Find out what taxes you will be required to pay and when and how to pay them
  • Learn how to keep track of simple financial records and how to keep books for your business, as well as how this relates to your important tax information


  • Find out how to identify your market, how to advertise to that market, and how to retain customers

Business Legalities

  • Learn about sole proprietorships, corporations, limited liability corporations and partnerships
  • Learn how to avoid potential legal problems in your business

Loan Program

  • Learn about below-prime rate loans available to micro program graduates