The UPPER MANHATTAN EMPOWERMENT ZONE DEVELOPMENT CORPORATION All Credit Levels is a cdfi lender from UPPER MANHATTAN EMPOWERMENT ZONE DEVELOPMENT CORPORATION. The Upper Manhattan Empowerment Zone Development Corporation (UMEZ) is a Community Development Financial Institution (CDFI) focused on sustaining economic revitalization in New York City through job creation, corporate alliances, strategic investments, and small business assistance. UMEZ serves low-income communities in Upper Manhattan, providing financial services to under-capitalized businesses and supporting cultural organizations. Services include: business loans, small business loans, commercial real estate loans. US Treasury certified CDFI Loan Fund in New York, NY.