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Financing Your Business
The Small Business Administration was established in 1953 to aid, counsel, and protect the interests of the Nation's small business community. The Agency accomplishes this in part by working with intermediaries, banks, and other lending institutions to provide loans and venture capital financing to small businesses unable to secure financing through normal lending channels. SBA financing is offered through the programs listed below.
SBA'S PROGRAMS OF FINANCIAL ASSISTANCE
SBA's 7(a) Loan Guaranty Program:
This program is the SBA's primary lending program and was designed to
meet the majority of the small business
community's financing needs. In addition to general financing, the 7(a)
program also encompasses a number of the SBA's specialized loan programs
synopsized in the table below:
| LowDoc | Designed to increase the availability of funds under $100,000 and streamline/expedite the loan review process. More... |
| FA$TRAK | Designed to increase the capital available to businesses seeking loans up to $100,000 but is currently offered as a pilot with a limited number of lenders. More... |
| CAPLines | An umbrella program to help small businesses meet their short-term and cyclical working-capital needs with five separate programs. More... |
| International Trade | If your business is preparing to engage in or is already engaged in international trade, or is adversely affected by competition from imports, the International Trade Loan Program is designed for you. More... |
| Export Working Capital | Designed to provide short-term working capital to exporters in a combined effort of the SBA and the Export-Import Bank. More... |
| Pollution Control | Designed to provide loan guarantees to eligible small business for the financing of the planning, design, or installatoin of a pollution control facility. More... |
| DELTA | Defense Loan and Technical Assistance is a joint SBA and DoD effort to provide financial and technical assistance to defense-dependent small firms adversely affected by cutbacks in defense. More... |
| Minority and Women's Prequal | A pilot program that uses intermediaries to assist prospective minority and women borrowers in developing viable loan application packages and securing loans. More... |
| Disabled Assistance | The SBA has not been provided funding for direct handicapped assistance loans, but such individuals are eligible for all SBA loan guaranty programs. |
| Qualified Employee Trusts | Designed to provide financial assistance to Employee Stock Ownership Plans More... |
| Veteran's Loans | The SBA has not been provided funds for direct loans to Veterans, although Veterans are eligible for special considerations under SBA's guaranty loan programs. More... |
SBA's Microloan Program: This program
works through intermediaries to
provide small loans from as little as $100 up to $25,000.
SBA's Certified Development Company (504
Loan) Program: This program,
commonly referred to as the 504 program, makes long term loans available
for purchasing land, buildings, and machinery and equipment, and for
building, modernizing or renovating existing facilities and sites.
SBA's Certified and Preferred
Lenders Program
SBA's Secondary Market Program
SBA's Small Business Investment Company Program: Small Business
Investment Companies (SBICs), which are licensed and regulated by the
SBA, are privately owned and managed investment firms that provide
venture capital and start-up financing to small businesses.
SBA's Surety Bond Program
SBA's Size Standards
Additional Financial Resources and Information
Office of Advocacy ACE-Net -- Investor Opportunities 
Small Business Investment Act of 1958 as Amended
Sep 96
SBA now provides a Directory of Small Business
Lending Reported by Commercial Banks for 1994, 1995, and for 1996.
SBA now provides
ready-to-complete loan application forms for downloading to your pc.
Procurement Assistance And Grants
SBA Financial Assistance Notices
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Last Modified: 6-5-97
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