As a business owner, it’s crucial to improve your company’s ability to acquire credit and funding. A business credit file is every bit as important as your personal credit file.| www.sba.gov
This loan pilot program waives some small business regulations in order to expand capital access to certain rural areas.| www.sba.gov
SBA has streamlined the lending process for CDCs. Review the major activities you regularly perform in the CDC/504 program and the SBA tools you use.| www.sba.gov
There’s an active secondary market for CDC debentures that are backed by SBA. As a CDC, you can sell these guaranteed debentures to investors.| www.sba.gov
Commercial Loan Service Center| www.sba.gov
Every small business owner wants to attract new customers. Here are 10 time-tested ways to help you bring in “new blood.”| www.sba.gov
The Veterans Business Outreach Center (VBOC) program offers resources to veterans, service members, and military spouses who are interested in starting or growing a small business.| www.sba.gov
DRIVEN: Life Sciences Cluster| www.sba.gov
SBA provides small businesses with the guidance and resources needed to pursue government contracts. | www.sba.gov
We support America's small businesses. The SBA connects entrepreneurs with lenders and funding to help them plan, start and grow their business.| www.sba.gov
Putting American manufacturers first| www.sba.gov
Kelly Loeffler, the 28th Administrator of the U.S. Small Business Administration, is an entrepreneur, executive, philanthropist, and former U.S. Senator from Georgia who has dedicated her three-decade career to growing businesses and advancing economic opportunity for all. A self-made businesswoman, Loeffler rose from modest beginnings. She grew up in rural Illinois working on her family’s farm, attending public school, and waitressing - becoming the first in her family to graduate college....| www.sba.gov
Lines of credit are the most flexible and affordable way for businesses to manage their working capital needs. With a line of credit, interest is only charged when the loan is in use, making it the most efficient way to access working capital.| www.sba.gov
Conduct market research| www.sba.gov
As an SBA-certified lender, small business loans you issue will be backed by a federal guaranty.| www.sba.gov
Disasters can take many forms and the financial cost of rebuilding after a disaster can be overwhelming. If you’re prepared for emergencies, you’ll be in a better position to recover and continue operations should disaster strike.| www.sba.gov
AP Benefit Advisors, LLC dba Early, Cassidy & Schilling | www.sba.gov
Homeowners, renters, nonprofit organizations, and businesses of all sizes are eligible to apply for physical disaster assistance.| www.sba.gov
Help protect your home or business against future disasters. Rebuilding stronger is within reach.| www.sba.gov
Small businesses, small agricultural cooperatives, and most private nonprofit organizations located in a declared disaster area and which have suffered substantial economic injury may be eligible for an SBA Economic Injury Disaster Loan (EIDL).| www.sba.gov
Your business location determines the taxes, zoning laws, and regulations your business will be subject to. You'll need to make a strategic decision about which state, city, and neighborhood you choose to start your business in.| www.sba.gov
An official website of the United States government| www.sba.gov
WBCs provide free, to low-cost counseling and training and focus on women who want to start, grow, and expand their small business.| www.sba.gov
SBDC Programs deliver professional, high quality, individualized business advising and technical assistance to existing small businesses and pre-venture entrepreneurs. SBDCs provide problem-solving assistance to help small businesses access capital, develop and exchange new technologies, and improve business planning, strategy, operations, financial management, personnel administration, marketing, export assistance, sales and other areas required for small business growth and expansion, manag...| www.sba.gov
Your business will need to meet its federal, state, and local tax obligations to stay in good legal standing. Your business structure and location will influence which taxes your business has to pay.| www.sba.gov
Support| www.sba.gov
Updated 05-09-2024 Notice: translations of this document are current as of version 10, dated 07-29-21.| www.sba.gov
Notice: The Paycheck Protection Program (PPP) ended on May 31, 2021. Existing borrowers may be eligible for PPP loan forgiveness. As of January 1, 2022, we are not able to accept applications for new COVID EIDL loans or advances.| www.sba.gov
Open a business account when you're ready to start accepting or spending money as your business. A business bank account helps you stay legally compliant and protected. It also provides benefits to your customers and employees.| www.sba.gov
Your state tax ID and federal tax ID numbers — also known as an Employer Identification Number (EIN) — work like a personal social security number, but for your business. They let your small business pay state and federal taxes.| www.sba.gov
When you think about adding a new employee to your payroll, determine what the actual financial cost of doing so means to your business.| www.sba.gov
SBA sets the guidelines that govern the 7(a) loan program. As a lender, these conditions determine which businesses you can lend to and the type of loans you can give.| www.sba.gov
State Trade Expansion Program (STEP)| www.sba.gov
An official website of the United States government| www.sba.gov
The table of size standards can also be found online in the small business size regulations set forth in the Electronic Code of Federal Regulations. Certain government programs, such as SBA loan programs and contracting opportunities, are reserved for small businesses. In order to qualify, businesses must satisfy SBA's definition of a small business concern, along with the size standards for small business.| www.sba.gov
Accounting for revenue and expenses can help keep your business running smoothly. Make sure you maintain proper bookkeeping and have a basic knowledge of business finances.| www.sba.gov
Borrowers may be eligible for Paycheck Protection Program (PPP) loan forgiveness.| www.sba.gov
If you have not received a Paycheck Protection Program (PPP) loan before, First Draw PPP loans may be available to you.| www.sba.gov
504 loans are available exclusively through Certified Development Companies (CDCs). CDCs are certified and regulated by SBA.| www.sba.gov
SBA’s size standards determine whether or not your business qualifies as small.| www.sba.gov
National Small Business Week| www.sba.gov
Paycheck Protection Program| www.sba.gov
It costs money to start a business. Funding your business is one of the first — and most important — financial choices most business owners make. How you choose to fund your business could affect how you structure and run your business.| www.sba.gov
Maximize the reach of your marketing budget with these guidelines.| www.sba.gov
Market research blends consumer behavior and economic trends to confirm and improve your business idea.| www.sba.gov
You might prefer a traditional business plan format if you’re very detail-oriented, want a comprehensive plan, or plan to request financing from traditional sources.| www.sba.gov
Keep your business compliant with state and federal business laws. Your legal responsibilities will depend on your business and location.| www.sba.gov
Make a marketing plan to persuade consumers to buy your products or services, then decide how you’ll accept payment when it’s time to make a sale.| www.sba.gov
How much money will it take to start your small business? Calculate the startup costs for your small business so you can request funding, attract investors, and estimate when you’ll turn a profit.| www.sba.gov
Business insurance protects you from the unexpected costs of running a business. Accidents, natural disasters, and lawsuits could run you out of business. Protect yourself with the right insurance.| www.sba.gov
You can find the right business name with creativity and market research. Once you’ve picked your name, you should protect it by registering it with the right agencies.| www.sba.gov
The requirements and fees vary based on your business activities, location, and government rules.| www.sba.gov
Long-term, fixed rate financing of up to $5 million for major fixed assets.| www.sba.gov
The 7(a) loan program is SBA's primary business loan program for providing financial assistance to small businesses.| www.sba.gov
Register your business to make it a distinct legal entity. How and where you need to register depends on your business structure and business location.| www.sba.gov
Smaller-size loans of up to $50,000 provided through SBA funding intermediaries.| www.sba.gov
