U.S. Small Business

Administration

Programs

James H. Pipper

Veterans Business Development Officer

U.S. Small Business Administration

Created in 1953

The only Federal

Government

Agency

specifically

designed to assist

the small

business

community

Mission

Statement

– aid

– counsel

– protect

– fair proportion

of government

contracts and

sales

How We Assist Small Business

Business

Development

Financial

Assistance

Procurement

Assistance

Office of

Advocacy

Business

Plans

SBA’s Resource Partners

SCORE

Small Business

Development

Centers

Women’s

Business Centers

TELEPHONE OR VISIT SCORE FOR FREE BUSINESS COUNSELING PHOENIX SCORE 602.745.7250 2828 N. Central Avenue, #800 Phoenix

SCORE’s WEB SITE: www.score.org

● Free Monthly Newsletter ● E-mail Counseling

TUCSON SCORE

520.505.3636

1400 W Speedway, Tucson

Prescott-Northern AZ 928.778.7438 1228 Willow Creek Rd.#2, Prescott

SMALL BUSINESS DEVELOPMENT CENTERS “SBDC”

● Business Planning ● Training

● Loan Preparation ● Counseling

Arizona has SBDC’s statewide.

www.azsbdc.net

Visit their web site:

SBA’s Women’s Business Centers in Arizona

Tucson:

Women’s Busincess Center of Southern AZ

525 N. Bonita Ave.

Tucson, AZ 85745

520.620.1241

http://www.mac-sa.org/wbc.home

Phoenix:

AZ Women’s Education & Eentrepreneur

(AWEE)

640 N. First Avenue Phoenix, AZ 85003-1515

602-223-4334

http://aweecenter.org

SBA’s Web Pages

SBA Learning

Center: www.sba.gov/learning

Publications

Links

Local

Information: www.sba.gov/az

SBA Loan Programs

7(a) Regular Loans

SBA Express

Certified

Development

Company - 504

Loans

Disaster Loans

SBA Loan Eligibility

For Profit

Size Standards

Type

Unable to

borrow on

reasonable

terms

Size Standards

Sales in Millions

Retail

$6.0 to $21.0

Service

$2.5 to $21.5

Construction

$7.0 to $17.0

Agriculture

$ .5 to $ 9.0

Number of

Employees

Wholesale

< 100

Manufacturing

500 to 1500

Those Not

Eligible Are...

Non-Profits

Lenders

Passive Owned Real

Estate

Foreign Business

Pyramid Sales

Defaulted on a

Federal Loan

resulting in a loss

Religious Teaching

Sexual Materials

Speculation

Gambling

Life Insurance

Incarcerated, on

probation or parole,

or indicted for

felony or moral

crime

Use of Proceeds

Eligible

Working Capital

Inventory

Machinery &

Equipment

Land & Building

Debt Refinancing

Change of

Ownership

Ineligible

Floor Plan Financing

Real Estate held for

investment

Purchase a portion

of the business

Delinquent Payroll

Taxes

THREE ELEMENTS IN AN SBA

GUARANTEED LOAN

Small Business

Applicant

Bank

SBA

THE BUSINESS PLAN Purpose of the Loan

History & description of the Business

Current Balance Sheet & Income

Statement

Financial Statements for 3 Years

Schedule of Term Debts

Aging of A/R and Payables

Investment by Owner

Proformas

Personal Financials and Resume

Loan Terms

7 years for

working capital

10-15 years for

equipment

Up to 25 years

for land and

building

Loan Interest Rate

Prime plus

2 1/4 for

maturities

under 7 years

Prime plus

2 3/4 for

maturities of 7

years or longer

Fixed or

Variable

Any Questions???

Thank You!