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The resource directory helps national banks, federal savings associations, and federal branches and agencies of foreign banking organizations; small business entrepreneurs; and other financing entities access resources to facilitate small business lending through public programs, technical assistance, and partnerships.
The information is organized under the following categories:
SBA 7(a) Loan Guaranty Program
This loan guaranty program is designed to help eligible small businesses obtain bank financing when they might not qualify for traditional financing. Loan proceeds may be used for most business purposes, including working capital, machinery and equipment, furniture and fixtures, land and buildings, leasehold improvements, and debt refinancing. Banks can request guaranties through different procedures, based on the lender’s experience and comfort with Small Business Administration (SBA) products and procedures, the lender’s level of authority provided by the SBA, and, in some circumstances, the size, type, and complexity of the loan being guaranteed.
Community Advantage is a pilot initiative aimed at increasing the number of SBA 7(a) lenders that reach underserved communities. Community Advantage is available to community-based, mission-focused financial institutions, such as community development financial institutions, SBA Certified Development Companies, and SBA nonprofit microlending intermediaries, that previously were unable to offer SBA loans. The program makes loans up to $250,000 with a maximum SBA guaranty of 85 percent (based on loan size). Lenders must maintain at least 60 percent of their SBA loan portfolios in underserved markets.
International Trade Loan Program
This program offers up to $5 million in term loans with a maximum 90 percent SBA guaranty for the acquisition, expansion, or improvement of fixed assets to businesses that plan to enter and expand into international markets. The program also offers these loans to those adversely affected by competition from imports and need to modernize to meet foreign competition. Loan proceeds must enable borrowers to be in a better position to compete.
CAPLines is an umbrella program that helps small businesses meet their short-term and cyclical working-capital needs. The program was revised in 2011 to help more small businesses finance contracts through an SBA revolving line of credit, providing a path to avoid high-interest rates. There are four distinct loan programs under the CAPLine umbrella: Contract Loan Program, Seasonal Line of Credit Program, Builders Line Program, and Working Capital Line Program.
SBAExpress is designed to increase the number of smaller SBA loans by offering limited paperwork and processing times. The SBA’s turnaround time is within 36 hours. Qualified lenders may make SBA eligibility determination. The program provides a 50 percent guaranty and has a maximum loan amount of $350,000. The program is open to current SBA lenders meeting certain performance standards, or non-SBA lenders with a proven track record in small ($50,000 or less) business loans.
Export Express offers a streamlined method to obtain an SBA loan or line of credit for up to $500,000. The SBA’s turnaround time is within 24 hours. The SBA guaranty ranges from 75 percent to 90 percent depending on loan size. It is the simplest export loan product offered by the SBA and allows participating lenders to use their own forms, procedures, and analyses.
Export Working Capital Program
This program provides lenders with up to a 90 percent guaranty on export working capital loans for businesses that can generate export sales and need additional capital to support those sales. Maximum loan amount is $5 million.
SBA 504 Certified Development Company Loan Program
This program promotes economic development by providing small businesses with long-term, fixed-rate financing for the acquisition of major fixed assets for expansion and modernization. A lender partners with a certified development company (CDC), a specialized SBA-certified nonprofit corporation, to finance small businesses looking to expand. Each partner makes a loan to a qualifying small business. Typically, the lender’s loan is secured by a first lien covering 50 percent of a project’s total cost. The CDC’s loan is secured by a second lien for up to 40 percent of the project’s cost and is also backed by a 100 percent SBA-guaranteed debenture. The borrower contributes equity of at least 10 percent of the project’s cost. While there is no limit to total project size, the maximum CDC loan (up to 40 percent of total project costs) for most businesses is $5 million; for manufacturers, it is $5.5 million.
SBA Microloan Program
This program assists women, low-income, veteran, and minority entrepreneurs, and other small businesses in need of financing in amounts of $50,000 or less and business-based technical assistance. The average microloan is $13,000. The SBA makes funds available to specially designated intermediary lenders, which are nonprofit, community-based organizations with experience in lending as well as management and technical assistance. These intermediaries make loans to eligible borrowers and require a 15 percent non-federal, non-borrowed cash match.
Small Business Investment Companies (SBIC)
SBICs are privately owned and managed companies licensed by the SBA. The primary benefit of becoming a licensed SBIC is that once approved, the SBA provides a two-to-one public/private-funding match on the required minimum private capital, thereby leveraging the investor’s initial equity contribution. An SBIC uses its own capital, plus funds borrowed with an SBA guaranty, to invest in qualifying small businesses. Under 13 CFR 120.10, banks may invest up to 5 percent of their capital and surplus in SBICs.
Business and Industry Guaranteed Loan Program
This program helps create jobs and stimulate rural economies by providing financial backing for rural businesses. This program provides SBA guarantees up to 80 percent. Loan proceeds may be used for working capital, machinery and equipment, buildings and real estate, and certain types of debt refinancing.
Community Facilities Program
This program provides affordable funding through loans, grants, and loan guarantees to develop essential community facilities in rural areas. Water and environmental projects include water systems, waste systems, solid waste, and storm drainage facilities. Community facility projects develop essential community facilities for public use in rural areas and may include hospitals, fire protection, safety, as well as many other community-based initiatives.
Intermediary Relending Program (IRP)
The IRP program is designed to alleviate poverty and increase economic activity and employment in rural communities. The program provides 1 percent low-interest loans to local lenders or intermediaries. These revolving loan funds are used to assist with financing business and economic development activity to create or retain jobs in disadvantaged and remote communities. Intermediaries are encouraged to work in concert with state and regional strategies, and in partnership with other public and private organizations that can provide complementary resources.
Rural Business-Cooperative Service (RBCS)
The U.S. Department of Agriculture's (USDA) RBCS office provides financial assistance for rural businesses and funding assistance for nonprofit organizations or CDCs that lend to rural businesses in their local areas.
Rural Business Investment Program
USDA licenses newly formed for-profit entities as Rural Business Investment Companies (RBIC) to help meet the equity capital investment needs in rural communities. Under 7 CFR 4290.50, banks may invest up to 5 percent of their capital and surplus in RBICs.
Community Development Financial Institutions (CDFI) Fund
The Treasury Department’s CDFI Fund expands banks’ capacity to provide credit, capital, and financial services to underserved populations and communities in the United States. One of the CDFI Fund’s program is the New Markets Tax Credit Program, established by Congress in 2000 to spur new or increased investments into operating businesses and real estate projects located in low-income communities. The program attracts investment capital to low-income communities by permitting individual and corporate investors to receive a tax credit against their federal income tax return in exchange for making equity investments in specialized financial institutions called community development entities.
Export.gov brings together resources from across the U.S. government to assist U.S. businesses in planning their international sales strategies and succeed in today’s global marketplace.
Export-Import Bank of the United States
Ex-Im Bank is the official export credit agency of the United States and assists in financing the export of U.S. goods and services to international markets. Ex-Im Bank does not compete with private sector lenders but provides export financing products that fill gaps in trade financing. Ex-Im Bank helps to level the playing field for U.S. exporters by matching the financing that other governments provide to their exporters. Ex-Im Bank provides working capital guarantees (pre-export financing); export credit insurance; and loan guarantees and direct loans (buyer financing), as follows:
U.S. International Development Finance Corporation (DFC)
DRC's small and medium-enterprise financing is available for businesses with annual revenues under $250 million. DRC also provides medium- to long-term funding through direct loans and loan guaranties to eligible investment projects in developing countries and emerging markets. The financing supports large-scale projects that require large amounts of capital, such as infrastructure, telecommunications, power, water, housing, airports, hotels, high-tech, financial services, and natural resource extraction industries. DRC also provides long-term working capital and multiple-year capital expenditure programs. The amount of capital needed for any project can be greater than one bank can provide on its own because of per-project limits or diversifications guidelines. In such cases, DRC works with other co-lenders, if necessary, to bring sufficient resources to a given project.
Small Business Administration Export Products
The Small Business Administration provides a number of resources to support small business exporting, including:
U.S. Department of Agriculture
Advisory Letter 2003-8, “Financing Minority Businesses” (PDF)
This issuance identifies activities and practices that assist national banks in supporting the financing needs of minority-owned businesses.
How Community Banks Can Finance Small Business Exporters
The OCC held a teleseminar that focused on the Export-Import Bank Working Capital Guarantee Program and the SBA’s Export Working Capital Program. To support the National Export Initiative and to educate community bankers about these programs for small business exporters, the OCC brought together experts from the Export-Import Bank and the SBA and the chief executive officer of a community bank that uses both programs to provide listeners with information on how the programs work.
OCC's Rural Development
The OCC held a teleseminar on financing rural development.
Small Business Investment Companies: An Investment Option for Banks
The OCC held a teleseminar that focused on the SBA’s SBIC program. The program includes information on how SBICs operate, their past performance and risk considerations, and how banks may receive CRA consideration for their SBIC investments.
SBA 504 CDC Loan Program
The OCC held a teleseminar that focused on the SBA 504 CDC Loan Program. As a followup to the OCC’s release of the CD Insights report titled “SBA 504 Loan Program: Small Businesses' Window to Wall Street,” the agency brought together 504 practitioners and an examiner to provide interested listeners with information on how the program operates
SBA Small Business Development Centers
The SBA administers the Small Business Development Centers Program to provide management assistance to current and prospective small business owners. The centers offer one-stop management and technical assistance to individuals and small businesses.
Senior Corps of Retired Executives (SCORE)
The SBA originally sponsored the now-independent SCORE to assist in providing technical assistance, advice, and mentoring to aspiring entrepreneurs and small business owners. SCORE is a nonprofit association with over 10,000 volunteer business counselors in 389 chapters throughout the United States.
Women’s Business Center
This center is a national network of over 200 educational centers designed to help women start and grow small businesses.
Veterans Business Outreach Centers
This program is designed to provide entrepreneurial development services, such as business training, counseling and mentoring, and referrals for eligible veterans owning or considering starting small businesses. The SBA has organizations across the country participating in this cooperative agreement and serving as Veterans Business Outreach Centers.
U.S. Export Assistance Centers
Each U.S. Export Assistance Centers is staffed by professionals from the SBA, the U.S. Department of Commerce, the U.S. Export-Import Bank, and other public and private organizations. They are designed to be a one-stop shop of export assistance for small- or medium-sized businesses.
SBA Office of Native American Affairs
This office develops initiatives that provide Native Americans with access to business development resources, training, and services in their communities. The office focuses on economic development and job creation through small business ownership and education and works with individual and tribally owned organizations; other federal, state, and local agencies; nonprofit organizations; and national Native American organizations.
Minority Business Development Agency
The agency encourages the creation, growth, and expansion of minority-owned businesses and provides technical assistance to minority-owned businesses through agency workshops, conferences, and direct technical assistance provision. The agency funds business development centers around the country to assist with the start-up, expansion, and development of minority-owned firms.
Native American Business Development
The Office of Indian Energy and Economic Development’s Division of Economic Development offers management training, entrepreneurship training, and procurement assistance to native businesses on Native American reservations.
Office of Women's Business Ownership
The office has helped numerous women start building successful businesses through programs that address business training and technical assistance, and provides access to credit and capital, federal contracts, and international trade opportunities. The office provides a women’s business ownership representative in every SBA district office, a nationwide network of mentoring roundtables, and women’s business centers in nearly every state and territory. The office also established women-owned venture capital companies and the Online Women’s Business Center.
Community Development Financial Institutions
This website provides a description of programs offered by the U.S. Department of the Treasury’s CDFI Fund. CDFIs are specialized, mission-driven financial institutions that create economic opportunity for individuals and small businesses, quality affordable housing, and essential community services throughout the United States. CDFIs typically provide training and technical assistance to improve their borrowers’ skills. CDFIs offer lending services and can be a helpful resource for small business borrowers looking for smaller loan amounts, borrowers that have less experience, or borrowers that have slightly higher-risk profiles.
Opportunity Finance Network
The network offers a national CDFI coverage map to locate CDFIs.
U.S. Microenterprise Directory and Census
This searchable database, maintained by The Aspen Institute’s Business Ownership Initiative, provides information on almost 700 U.S. microenterprise programs in the United States, along with key facts about organizations’ products, services, and scale, as reported in the U.S. Microenterprise Census.
e2 Entrepreneurial Ecosystems
This organization helps communities increase prosperity through entrepreneur-focused economic development and ecosystem building across North America.
Edward Lowe Foundation
The foundation provides resources to “second-stage companies”—companies that (1) have grown past the start-up stage but have not yet reached maturity; (2) have enough employees to exceed the comfortable control span of one owner or chief executive officer; (3) benefit from adding professional managers but do not have a full-scale professional management team.
This organization provides resources for small business owners. The website offers a search engine to find articles, program information, and contacts for entrepreneurs and small businesses.
International Business Innovation Association
This association was established to advance business incubation and entrepreneurship and provides information, education, advocacy, and networking resources to bring excellence to the process of assisting early-stage companies worldwide.
This institute uses enterprise facilitation to grow local economies. Sirolli is a social enterprise that teaches entrepreneurs, corporations, governments, and community leaders how to capture the passion of their communities and use the intelligence of local people.
United States Association for Small Business and Entrepreneurship
This organization advances knowledge and fosters business development through entrepreneurship education and research.
National Minority Supplier Development Council
The council provides a direct link between corporate America and minority-owned businesses and was chartered to provide increased procurement and business opportunities for minority businesses of all sizes.
Small Business Administration
The agency offers resources to help small businesses access government contracts, including written materials, contract assisting programs, and counseling.
U.S. Department of the Interior's Office of Small and Disadvantaged Business Utilization
The office advocates for small businesses and is dedicated to maximizing contracting opportunities to federal, state, and local governments. Its mission includes outreach to small and disadvantaged business communities, including Indian economic enterprises and women-owned, veteran-owned, service-disabled, and veteran-owned small businesses in historically underutilized business zones (HUBZone) areas, and the Ability One Program.
Small Business Development Center National Information Clearinghouse
The clearing house’s mission is to support the business research and information needs of the nation’s network of more than 1,000 Small Business Development Centers (or SBDC Network) and their small business clients. The clearing house provides business research assistance directly to official SBDC Business Advisors. The clearing house also maintains a public access website.
National Association of Government Guaranteed Lenders
The association serves the government guaranteed lending community, primarily through advocacy and technical information about the SBA 7(a) Loan Program.
This site provides useful information on two key federal loans program for small businesses—the SBA 7(a) and 504 programs.
National Association of Development Companies
This is the trade association for the nation’s CDCs. The association’s members are nonprofit organizations that have been certified by the SBA to provide financing to small businesses through the SBA 504 loan program.
Small Business Investor Alliance (SBIA)
This is an association of lower middle market funds and investors. The association advocates for appropriate regulation and smart tax policy, campaigning for federal laws, regulations, policies, and low-cost capital that support SBICs and others in their ability to invest long-term debt and equity venture capital in small businesses.
National Association of Investment Companies
This is the largest network of diverse-owned private equity firms and hedge funds. Member companies invest in privately held minority-owned businesses that have a high probability of growth and the ability to generate significant returns for investors and shareholders.
Community Development Venture Capital Alliance
This is a network for community development venture capital investing. The network promotes using venture capital tools to create jobs, entrepreneurial capacity, and wealth to advance the livelihoods of low-income people and the economies of distressed communities.
Contact Community Affairs
Public Welfare Investments (12 CFR) Resource Directory
Request a Community Affairs Print Publication (PDF)
Request an OCC Speaker