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      <image:title>Welcome</image:title>
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      <image:title>Welcome</image:title>
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      <image:title>Welcome</image:title>
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    <loc>https://www.cidconline.com/classes</loc>
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      <image:title>Classes - Ideation</image:title>
      <image:caption>Do you have ideas but don’t know how to solidify your thoughts together? In this class, we teach you how to piece-meal thoughts together to define what would make a solid business idea.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e4c424adc39513f8a9c866b/1582311817842-SHLZTWPGX9RRDAOA7MRV/Stocksy_comp_1937562.jpg</image:loc>
      <image:title>Classes - Business Planning 101</image:title>
      <image:caption>Taking the next step in creating a business: your business model. How does your business idea begin and how do you outline your goals and strategic planning from 1 year to 5 years from now.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e4c424adc39513f8a9c866b/1598461346142-9HQCAB1YPVFMERDO6IR4/lounge.jpg</image:loc>
      <image:title>Classes - Concept Investment</image:title>
      <image:caption>Deciding to invest your business on your own? Through this class, we define major finance and money business plans that help you decide which method works best for your business.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e4c424adc39513f8a9c866b/1582573565994-50YY6FGE3R6GOR116FI7/Stocksy_comp_2452549.jpg</image:loc>
      <image:title>Classes - Pitching to Investors</image:title>
      <image:caption>Presentation skills, pitching and selling yourself and your brand. Tina &amp; Rose take you through a step-by-step process on conquering your fears and on the right path to owning it.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e4c424adc39513f8a9c866b/1582573767155-VX6115BGF3MJJJ6YIY51/Stocksy_comp_1921791.jpg</image:loc>
      <image:title>Classes - Kickstarting Your Business</image:title>
      <image:caption>Once you have the money, then what? We outline clear defined pathways for you to takeoff your new business adventure.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e4c424adc39513f8a9c866b/1598466891694-RPCVK69AWYG479U8J3CL/smile.jpg</image:loc>
      <image:title>Classes - Business Growth 101</image:title>
      <image:caption>Need to expand? Hire employees? Open a second location? We define everything you need to consider when growing your business.</image:caption>
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    <lastmod>2025-12-18</lastmod>
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      <image:title>Home - CIDC provides…</image:title>
      <image:caption>consulting services to governmental entities and non-profit corporations for the purpose of stimulating economic development. CIDC develops projects that alleviate the burdens of local government and administers various loan programs.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/d2760f9a-d6da-45f6-8a8a-edadc9c0a8da/Colonie+II.jpeg</image:loc>
      <image:title>Home - CIDC owns and leases…</image:title>
      <image:caption>several properties through its real estate subsidiaries. CIDC has been responsible for more than $1 billion dollars under the CIDC subsidiaries including affordable housing, public facilities, dormitories, assisted living facilities and educational institutions. It has also consulted with other non-profits in using bond financing to finance real estate projects. CIDC currently has over 1 billion in its portfolio.</image:caption>
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    <image:image>
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      <image:title>Home - CIDC draws…</image:title>
      <image:caption>upon a network of nationally recognized developers and financing sources to carry out the approval process, building construction, and marketing projects.</image:caption>
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    <lastmod>2025-11-20</lastmod>
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      <image:title>Consulting</image:title>
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      <image:title>Consulting</image:title>
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      <image:title>Consulting</image:title>
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    <image:image>
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      <image:title>Consulting</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/8436dfe9-7798-4222-9fe3-2371a7bee435/Bank+of+Greene+County.jpg</image:loc>
      <image:title>Consulting</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/79ad99fc-fbb9-4072-9a98-b43bee59b068/Wells-Fargo-NYC.jpg</image:loc>
      <image:title>Consulting</image:title>
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    <image:image>
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      <image:title>Consulting</image:title>
      <image:caption>CIDC has assisted client communities in funding several billion dollars of industrial, office, lodging and mixed-use sectors including a mining company in New Jersey, a regional arts complex in Reading, Pennsylvania, several restaurants in Austin, Texas, a sign manufacturer in Rivera Beach, Florida, and a wide assortment of manufacturing facilities, hotels, office buildings, and malls.</image:caption>
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    <image:image>
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      <image:title>Consulting</image:title>
      <image:caption>In assisting Public Entities with the Section 108 Program, CIDC provides and has provided the following assistance: Underwrites the projects to see if they can be financed.  This includes detailed P&amp;L and Balance sheet analysis to determine adequate cash flow to repay the loan and adequate collateral.  Personal financial statements are also analyzed.  CIDC prepares a complete written loan analysis. Assists in the preparation and submission of the 108 Package to both the HUD Field Office and the Central Office.  Assists the public entity in attracting private financing to the project. Assists the public entity with HUD compliance, closings and servicing issues.  Is available and frequently attends negotiating sessions with the Borrower. CIDC also has considerable experience with the SBA 504 Program and the SBA 7A program.</image:caption>
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    <lastmod>2026-01-20</lastmod>
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      <image:title>Key Staff</image:title>
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    <image:image>
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      <image:title>Key Staff</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/1613535812997-DTFVQWDZ910R7E9Y2Q2R/nelson_b%26w.png</image:loc>
      <image:title>Key Staff</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/1613077383937-DGCOVCJGM8E4ORK9FO2U/Hilda_hr+copy.png</image:loc>
      <image:title>Key Staff</image:title>
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    <lastmod>2021-02-17</lastmod>
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  <url>
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    <lastmod>2025-10-08</lastmod>
    <image:image>
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      <image:title>Board of Directors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/9de8640f-6551-4fa8-8e4f-68a1ec73b160/NB+Picture+2Grey.jpg</image:loc>
      <image:title>Board of Directors</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/1613164743093-PL0OHF5UAG3RO75I3Y8T/warfield.png</image:loc>
      <image:title>Board of Directors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/1623259568747-ZS4QDUM7IKJBXQROLD1O/TonyMarshall_Picture.jpg</image:loc>
      <image:title>Board of Directors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/13edf7bd-711d-408f-b4b9-bf43c57d9651/KobularcikImage2.jpg</image:loc>
      <image:title>Board of Directors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/f397c16d-d984-4c7c-95b0-55f6e3bb2d70/FMB+Pic_hr+copy.jpg</image:loc>
      <image:title>Board of Directors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/052be0f0-fab5-471f-b250-df5f4bb38c8c/MaryAnnPic.jpg</image:loc>
      <image:title>Board of Directors</image:title>
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  <url>
    <loc>https://www.cidconline.com/bond-financing</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/375c3ece-bfb3-4b87-8b93-df489a19175a/CIDC+Albany+Center+Render.jpg</image:loc>
      <image:title>Bond Financing - 501(C)3 BONDS</image:title>
      <image:caption>Yankee Stadium - The Bronx, NY</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/1613083932404-I71I0ULWJY19HER55ZN9/pbc+courthouse.png</image:loc>
      <image:title>Bond Financing - INDUSTRIAL REVENUE BONDS</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/d6114c01-0e98-44f0-a7fd-bd4b53b908b0/CIDCColonieII_BOCESCTE2.jpg</image:loc>
      <image:title>Bond Financing - TAX EXEMPT REVENUE BONDS</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/eabfd8cf-48ba-4fda-b941-76aa1b31a8f0/Bank+of+Green+County.jpg</image:loc>
      <image:title>Bond Financing - LOWER FLOATER AND SWAPS</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/d695e337-187b-46ee-a4c0-6f35ff04ffc8/Berkshire-1web.jpg</image:loc>
      <image:title>Bond Financing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/1613086010156-WN2O3NF92LSPUKPN5XLL/dorm+lr.png</image:loc>
      <image:title>Bond Financing</image:title>
      <image:caption>Experience and Creativity with Sales/Leasebacks A large part of CIDC’s activities have been to enable public agencies to attract private capital to develop lands owned by a Public Agency, either through the sale of the land or a land lease. In carrying out these activities CIDC has used tax exempt and taxable revenue bonds.  CIDC is currently working with the Atlantic County Improvement Authority to develop a high-tech park. It has introduced 108 funds for tenant improvements and OZ funds and taxable bonds for development. CIDC has used its 501-C-3 bonding capacity to carryout developments in which CIDC develops the project and leases it back, with an eventual sale to the entity after the bonds are paid off. This has included dormitories for RPI in Troy, New York, Educational facilities in Colonie, New York, Career and Technical Centers in Wilton, New York, and the construction of an office building and convention center leased back to county government.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.cidconline.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-12</lastmod>
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      <image:title>Contact</image:title>
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  </url>
  <url>
    <loc>https://www.cidconline.com/join</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-09</lastmod>
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      <image:title>Join</image:title>
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      <image:title>Join</image:title>
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      <image:title>Join - Memberships &amp; Class Packs</image:title>
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    <loc>https://www.cidconline.com/project-profile</loc>
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    <lastmod>2025-10-27</lastmod>
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      <image:title>Project Profile</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/98583735-bcd7-4fde-80ef-f0ac64b29b2c/BOCES_10CAirline+Drive.jpg</image:loc>
      <image:title>Project Profile</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/3149c867-ee12-4c1b-ba87-57c410556a87/Colonie+II.jpeg</image:loc>
      <image:title>Project Profile</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60197c7fd04a1623d207c06d/261fec3a-ac00-4ff0-91d1-ac1568eb9caf/Maywood-+CIDC+Colonie+III.png</image:loc>
      <image:title>Project Profile</image:title>
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      <image:title>Project Profile</image:title>
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      <image:title>Project Profile</image:title>
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