Sba 7 A Small Business Loan Guaranty Program

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Sba 7 A Small Business Loan Guaranty Program

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Author :
language : en
Publisher:
Release Date : 1993

Sba 7 A Small Business Loan Guaranty Program written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Small business categories.

Small Business Administration 7 A Loan Guaranty Program

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Author : Congressional Research Service
language : en
Publisher: CreateSpace
Release Date : 2014-10-23

Small Business Administration 7 A Loan Guaranty Program written by Congressional Research Service and has been published by CreateSpace this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-10-23 with Business & Economics categories.

The Small Business Administration (SBA) administers several programs to support small businesses, including loan guaranty programs designed to encourage lenders to provide loans to small businesses “that might not otherwise obtain financing on reasonable terms and conditions.” The SBA's 7(a) loan guaranty program is considered the agency's flagship loan program. Its name is derived from Section 7(a) of the Small Business Act of 1953 (P.L. 83-163, as amended), which authorizes the SBA to provide business loans and loan guaranties to American small businesses. In FY2014, the SBA approved 52,044 7(a) loans totaling $19.2 billion. The average approved 7(a) loan amount was $368,737. Proceeds from 7(a) loans may be used to establish a new business or to assist in the operation, acquisition, or expansion of an existing business. Congressional interest in the 7(a) program has increased in recent years because of concerns that small businesses might be prevented from accessing sufficient capital to enable them to assist in the economic recovery. Some, including President Obama, argue that the SBA should be provided additional resources to assist small businesses in acquiring capital necessary to start, continue, or expand operations with the expectation that in so doing small businesses will create jobs. Others worry about the long-term adverse economic effects of spending programs that increase the federal deficit. They advocate business tax reduction, financial credit market reforms, and fiscal restraint as the best means to help small businesses further economic growth and job creation. This report discusses the rationale provided for the 7(a) program; the program's borrower and lender eligibility standards and program requirements; and program statistics, including loan volume, loss rates, use of proceeds, borrower satisfaction, and borrower demographics. It also examines issues raised concerning the SBA's administration of the 7(a) program, including the oversight of 7(a) lenders and the program's lack of outcome-based performance measures. In addition, the report surveys congressional action taken during the 111th Congress to enhance small businesses' access to capital, including the providing more than $1.1 billion to temporarily subsidize the 7(a) and 504/Certified Development Companies (CDC) loan guaranty programs' fees and temporarily increase the 7(a) program's maximum loan guaranty percentage to 90% (funding was exhausted on January 3, 2011); raising the 7(a) program's gross loan limit from $2 million to $5 million; and establishing an alternative size standard for the 7(a) and 504/CDC loan programs. This report also examines legislation introduced during the 112th Congress to continue the fee waivers and increase the 7(a) program's SBAExpress and recently discontinued Patriot Express programs' maximum loan amounts. It discusses the Obama Administration's decision to waive the up-front loan guaranty fee and ongoing servicing fee for 7(a) loans of $150,000 or less approved in FY2014 and FY2015; the up-front, one-time loan guaranty fee for all veteran loans under the SBAExpress program (up to $350,000) from January 1, 2014, through the end of FY2015 (called the Veterans Advantage Program); and 50% of the up-front loan guaranty fee on all non-SBAExpress 7(a) loans to veterans exceeding $150,000 in FY2015.

The 7 A Loan Guaranty Program

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Author : United States. Congress. Senate. Committee on Small Business and Entrepreneurship
language : en
Publisher:
Release Date : 2002

The 7 A Loan Guaranty Program written by United States. Congress. Senate. Committee on Small Business and Entrepreneurship and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Business & Economics categories.

The Sba Loan Book

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Author : Charles H Green
language : en
Publisher: Simon and Schuster
Release Date : 2010-12-18

The Sba Loan Book written by Charles H Green and has been published by Simon and Schuster this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-12-18 with Business & Economics categories.

Spurred by President Obama, the Small Business Association has stepped up its loan program to companies around the nation. But to receive an SBA-guaranteed loan, firms must navigate a complex course of processes, qualifications, documentation, and approvals. You need this new edition of Charles Green's invaluable book to chart the best way to apply for and get an SBA loan. Green wastes no time in showing: Why an SBA loan guarantee is a good option in tough economic times How to choose the right bank at a time when many banks have failed and credit is tight What the new rules and regulations say about the paperwork and documentation loan applicants must supply In today's turbulent economic climate, solid financial backing is the key to small business survival. And this fully updated guide to SBA loans will help you land it.

Small Business Assistance For Women

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Author :
language : en
Publisher:
Release Date : 2000

Small Business Assistance For Women written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Businesswomen categories.

The 7 A Loan Guaranty Program A Look At Sba S Flagship Roundtable S Hrg 107 412 Committee On Small Business Entrepreneurship

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Author :
language : en
Publisher:
Release Date : 2002*

The 7 A Loan Guaranty Program A Look At Sba S Flagship Roundtable S Hrg 107 412 Committee On Small Business Entrepreneurship written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002* with categories.

Programs Services

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Author : United States. Small Business Administration
language : en
Publisher:
Release Date : 2002

Programs Services written by United States. Small Business Administration and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Small business categories.

Small Business Administration Loan Programs

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Author : Maureen D. Larsen
language : en
Publisher:
Release Date : 2011

Small Business Administration Loan Programs written by Maureen D. Larsen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Government lending categories.

Congressional interest in small business access to capital and the SBA's 7(a) program has increased in recent years for three interrelated reasons. The combination of these three factors has led to increased concern in Congress that small businesses might be prevented from accessing sufficient capital to enable small businesses to assist in the economic recovery. This book examines the SBA 7(a) Loan Guaranty program; the 504/CFC Loan Guaranty program; and the Microloan and Disaster Loan programs of the Small Business Administration, as well as their economic impact.

Small Business Administration

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Author : Government Accountability Office
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2017-09-15

Small Business Administration written by Government Accountability Office and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-09-15 with categories.

The Small Business Administration's (SBA) 7(a) program, initially established in 1953, provides loan guarantees to small businesses that cannot obtain credit in the conventional lending market. In fiscal year 2006, the program assisted more than 80,000 businesses with loan guarantees of nearly $14 billion. This testimony, based on a 2007 report, discusses (1) the 7(a) program's purpose and the performance measures SBA uses to assess the program's results; (2) evidence of any market constraints that may affect small businesses' access to credit in the conventional lending market; (3) the segments of the small business lending market that were served by 7(a) loans and the segments that were served by conventional loans; and (4) 7(a) program's credit subsidy costs and the factors that may cause uncertainty about these costs.

Full Faith And Credit

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Author : United States. Small Business Administration
language : en
Publisher:
Release Date : 1977

Full Faith And Credit written by United States. Small Business Administration and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Government lending categories.