Boost for SBA Loans during the 2009
Finding an SBA-Approved Lender
• It is worth your while to identify SBA-
preferred lenders in your area
because they are empowered to
apply an SBA loan guarantee to a loan
without consulting the SBA in
advance.
• The benefit of dealing with an SBA-
certified lender is that the SBA will
normally decide whether to
guarantee a bank loan within three
days. To find out which lenders are
preferred or certified, call your SBA
district office.
• It is important to find a bank that has
a lot of experience with SBA-
guaranteed loans.
Economic Collapse
• During much of the 1970s, 1980s,
and 1990s, the SBA provided billions
of dollars to small business owners
and entrepreneurs through the SBA
direct and guaranteed loan programs.
• The direct loan program in which the
SBA worked in concert with banks or
local agencies to provide loans
directly to borrowers was strongly
curtailed ,and in the 2008 and 2009
economic collapse, the flow of SBA-
guaranteed lending slowed to a
trickle.
 Selling to the Government: The Art of Procurement
-The government especially encourages small businesses to bid on contracts
for some of these needs.

Procurement Assistance Programs Sponsored by the SBA

• The Small Business Act provides for Services can include:

preferential treatment to be granted
to small business concerns in the
award of government procurement
contracts.
• Representatives provide counseling
and other services to small business
owners seeking to do business with
the federal government.
• Identifying the government agencies that
are prospective customers.
• Instructing small businesses about
inclusion on bidders’ lists.
• Obtaining drawings and specifications
for specific contracts.
• Identifying, developing, and marketing
small businesses to large prime
contractors.
• Assisting small businesses in identifying
and obtaining subcontracts.

Programs to Assist Special Groups
• The SBA 8(a) Business Development
Program offers a broad range of
assistance to firms that are owned
and controlled at least 51 percent by
socially and economically
disadvantaged individuals.
-SBA’s Mentor-Proteg ́e program, prot
́eg ́es can gain the ff benefits:
1. Technical and management
assistance.
2. Prime contracting.
3. Financial assistance
4. Qualification for other SBA
programs.
The Defense Logistics Agency’s
Procurement Technical Assistance
Program
• The Defense Logistics Agency (DLA)
supplies the nation’s military services
and several civilian agencies with the
critical resources they need to
accomplish their worldwide missions.
• The Procurement Technical
Assistance Program (PTAP ) is a
cooperative program in which the
DLA shares the cost of the services
with state and local governments and
nonprofit organizations. These
services can help business owners
and entrepreneurs seeking to sell
goods and services to the federal
government. They provide the same
services for state and local
government.
 Selling Abroad: International Business in the Global Village
Export Business Development Programs
• U.S. Export Assistance Centers - Through (ITA) a U.S. business can tap into
provide one-on-one counseling to firms a worldwide network of:
to assist them in identifying target markets • Trade specialists
and developing international marketing
• Country specialists
strategies.
• Country specialists
• Export Legal Assistance Network
• Import trade specialists
- offers free initial consultations with
an experienced international trade These are the following services available
attorney on topics ranging from contract through U.S. Commercial Service offices.
negotiation to agent/ distributor
agreements, export licensing
requirements, and credit collection
Developing Export Expertise
procedures. Identifying Target Markets
• The International Trade Finding Potential Partners
Administration
- operates domestic and overseas
programs designed to stimulate the
expansion of U.S. exports.
Export Financial Assistance
- The SBA offers three types of export loan guarantees that protect the
lender from default by the exporter.

• Export Express
- The SBA Export Express program
provides exporters and lenders a streamlined
method to obtain SBA-backed financing for
loans and lines of credit up to $250,000.
- The SBA provides an expedited eligibility
review and response.
• Export Working Capital Program
(EWCP) loans.
-These are short-term loan guarantees
available to small businesses based in the
United States that are at least one year
old.
• International Trade loans.
-These are guaranteed loans through
private lenders that help U.S.-based
facilities that engage in international trade
or are recovering from the effects of
import competition.
-International Trade loan funds may
be used for the acquisition, construction,
renovation, modernization, improvement,
or expansion of long-term fixed assets
 External Assistance for Special Groups, Locations,
and Industries

• Business Assistance Programs for Women

- the importance of women business owners in our economy,
few special support programs are aimed solely at women. This has fueled
a debate about whether women need special programs or whether they
are better served by accessing business assistance programs aimed at the
general population.
-one of SBAs partner programs is the Women’s Business Center
Program, which provides services to potential or current women business
owners.
-Although open to all women, the program was developed for
women who might not normally use services provided through traditional
channels.