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Small Business Administration

SBA offers a variety of loan programs for very specific purposes. Take some time to study the programs described in this section, to see if you qualify to participate.

SBA Assistance Programs

Export Working Capital Program (EWCP)

Developed to contribute to our nation’s economic vitality by promoting and encouraging small business to participate in international markets. This program replaces the Export Revolving Line of Credit (ERLC) and offers more flexible terms, lower fees, and a quick turnaround on the loan decision in order to allow small businesses to compete in today’s fast-paced international marketplace. Limit $1,500,000 guaranteed up to 90%.

Export Import Bank Co-Guarantee Program

Developed to provide the same basic service as the SBA EWCP loan but adding the additional lending capacity of Ex-Im Bank.

Export Express

SBA Export Express helps small businesses that have exporting potential but need funds to buy or produce goods, and/or to provide services, for export. It combines the SBA’s small business lending assistance with its technical assistance programs to help small businesses that have traditionally had difficulty in obtaining adequate export financing. Technical assistance is provided by SBA’s U.S. Export Assistance Centers, in cooperation with SBA’s network of resource partners, including the small business development Centers (SBDCs) and Service Corps of Retired Executives (SCORE). On approval of a SBA Export Express loan, an U.S. Export Assistance Center Representative will contact the borrower to offer appropriate assistance. This assistance may include training offered through the SBA’s Export Trade Assistance Partnership, SBDC International Trade Center, SCORE, District Export Council, or Export Legal Assistance Network.

Office of Technology

The Office of Technology administers the Small Business Innovation Research (SBIR) Program and the Small Business Technology Transfer (STTR) Program. Through these two competitive programs, SBA ensures that the nation’s small, high-tech, innovative businesses are a significant part of the federal government’s research and development efforts. Eleven federal departments participate in the SBIR program; five departments participate in the STTR program awarding $2billion to small high-tech businesses.

SBA Loan Programs

CAPLines Loan Program

CAPLines is the umbrella program under which the SBA helps small businesses meet their short-term and cyclical working-capital needs. The maximum loan size is $2,000,000. The program requires a high degree of collateral monitoring and control. The lender must retain full responsibility of the loan and the satisfactory performance of the service provider.

SBA Express Loan Program

To provide loan guarantees to lenders, which are unable to provide conventional financing to small businesses (including agricultural enterprises). The SBAExpress loan program makes it easier and faster for lenders to provide small business loans of $350,000 or less. It allows lenders to use their own forms and processes to approve loans guaranteed by SBA. This program can be used in conjunction with other SBA programs to structure much larger projects.

International Trade Loan Program

Purpose is to help small businesses compete more effectively with import competition, as well as to significantly expand existing export markets or develop new export markets. This program is very similar to the SBA 7(a) guarantee loan program.

SBA 504 Loan Program

Certified Development Companies (CDCs) utilized the SBA 504 loan program, which is not directly available through private lenders, in order to provide small businesses with fixed-rate financing for up to 20 years. CDC’s are private, non-profit corporations that are certified by the SBA as development companies. CDCs were created to serve the long-term credit needs of small businesses.

SBA Micro Loan Program

The Micro-loan Program was created by the U.S. Small Business Administration (SBA) in 1992 to increase the amount of debt capital available to new and expanding businesses, and in particular to reach those that have traditionally had difficulty in accessing such financing: minorities, women, low-income individuals, veterans, those without credit histories, and the operators of very small businesses. Proceeds can be used for typical business purposes such as working capital, machinery and equipment, inventory, and leasehold improvements. Direct loans from $500 to $35,000. The average loan is $10,000.

SBA Banks

SBA Banks

First Citizens State Bank of Whitewater
Johnson Bank
Mid America Bank – Todd Schneider
BMO Harris
Peoples Bank

Wisconsin Housing and Economic Development Authority

WHEDA Loan Guarantees

Small Business Guarantee

This program is designed to assist in the acquisition or expansion of existing small businesses, as well as limited start-ups. To participate, a borrower must be unable to obtain conventional financing at reasonable terms. There is no limit on the size of the loan but the maximum guarantee amount is the lesser of 80% or $200,000 on term loans and $80,000 on revolving working capital loans.

Contractors Loan Guarantee (CLG)

The CLG helps contractors complete contracts and build their business. This loan guarantee features lower interest rates to be used for working capital or fixed assets by reducing the risk for the lender.

Neighborhood Business Revitalization Guarantee (NBRG)

The NBRG helps to bring or expand business, or develop or rehabilitate commercial real estate in an urban area. This loan guarantee features lower interest rates to be used for working capital or fixed assets by reducing the risk for the lender.

Agribusiness Guarantee

The Agribusiness Guarantee helps new or existing businesses obtain financing on favorable terms to develop or expand production of products using Wisconsin’s raw agricultural commodities. This loan guarantee features lower interest rates to be used for working capital or fixed assets by reducing the risk for the lender.

Credit Relief Outreach Program (CROP)

Crop is a loan guarantee for the use of farmers for the expansion of farms located in the state of Wisconsin. This loan guarantee features lower interest rates to be used for working capital or fixed assets by reducing the risk for the lender.

WHEDA Loan Subsidies

Linked Deposit Loan Subsidy (LiDL)

LiDL provides an interest rate subsidy on lender financing to women or minorities who start-up or expand a business.

Community Reinvestment Fund

Business Loan Program

Purpose: Takeout or permanent financing for businesses (including non-profit businesses) seeking to purchase, construct (new or expansion), or rehabilitate buildings occupied by their businesses, to purchase equipment or buy ownership interests in an existing entity. Any for-profit or non-profit business is eligible for the CRF Business Loan Program. However the determination of whether or not CRF will provide funding is based on the nature of the project and the benefit it brings to the community. Important considerations include but are not limited to the number and type of jobs created/retained and the service the operating company provides the community and its residents.

Export-Import Bank of the United States

Bank Working Capital Guarantee

Purpose of this program is to assist U.S. exporters to obtain loans that facilitate the export ofgoods and services. These working capital loans, made by commercial lenders and backed by Ex-Im Bank’s guarantee, provide the business the liquidity to grow international sales and compete more effectively in the international market place. Ex-Im Bank also offers Term Financing for international foreign buyers of U.S. exports and Export Credit Insurance, which protects U.S. companies against foreign buyer nonpayment.

Co-Guarantee Program

Developed to provide the same basic service as the SBA EWCP loan but adding the additional lending capacity of Ex-Im Bank.

Wisconsin Women’s Business Initiative Corp

Micro-Loan Program

These loans are for start-up and early growth stage companies unable to access traditional financing. Eligible businesses are ones that are 51% or more owned and primarily controlled by women, people of color, or low to moderate income entrepreneurs: and entrepreneurs who demonstrate the ability to operate a small business and meet other program criteria. Business Assistance Program : The Wisconsin Women’s Business Initiative Corporation offers a variety of opportunities to help small businesses launch and grow including Business Assistance services to our borrowers and class graduates.