SBA Programs and Services U.S. Small Business Administration North Park Corporate Center San Pedro, Bldg. 2, Suite 200 San Antonio, Texas Lender Relations Bus. Dev – 8(a) Contracting Office Website:

VETERANS’ OUTREACH PROGRAM U.S. SMALL BUSINESS ADMINISTRATION SAN ANTONIO DISTRICT Debra Dimando, Veterans’ Affair Officer Business Development Specialist (210)

Atascosa Bandera Concho Crockett Dimmit Edwards Frio Gillespie Irion Kendall Kimble Kinney La Salle Llano Mason Maverick Mcculloch Mcmullen Medina Menard Real San Saba Schleicher Sutton Tom Green Uvalde Val Verde Webb Zavala Blanco Burnet Comal Hays Lampasas Travis Williamson Bastrop Bee Caldwell Calhoun De Witt Fayette Goliad Gonzales Guadalupe Jackson Karnes Lavaca Lee Live OakRefugio Victoria Wilson Kerr San Angelo Laredo Angelo State University SBDC (325) SBA--Mary Alice Blanco Texas A&M International University SBDC (956) SBA– Mary Alice Blanco Rio Grande College (830) SBA– Debra Dimando Texas State Univ. SBDC (512) (512) SBA– Debra Dimando UT San Antonio SBDC (210) SBA--Mary Alice Blanco University of Houston Victoria SBDC (361) SBA—Debra Dimando SBA SAN ANTONIO DISTRICT SBDC and SBA Coverage Del Mar College SBDC Corpus Christi, TX (361) SBA– Mary Alice Blanco San Antonio Bexar Eagle Pass San Marcos Victoria

Why SBA? Business DevelopmentBusiness Development –Outreach –Special Workshops/Conferences –Counsel & Advise through: Small Business Development Center Program (SBDC)Small Business Development Center Program (SBDC) Service Corps of Retired Executives (SCORE)Service Corps of Retired Executives (SCORE) Women Business Center (WBC) located in AustinWomen Business Center (WBC) located in Austin Procurement AssistanceProcurement Assistance –8(a) Program Loan ProgramsLoan Programs

8(a)BD Program Objectives (Sec. 204 of Public Law ) “to promote the business development of small business concerns owned and controlled by socially and economically disadvantaged individuals...”“to promote the business development of small business concerns owned and controlled by socially and economically disadvantaged individuals...” “to promote the competitive viability of such concerns...”“to promote the competitive viability of such concerns...” “to clarify and expand the program for procurement by the United States...”“to clarify and expand the program for procurement by the United States...”

~ LOAN PROGRAM ~ HOW THE SBA GUARANTY WORKS ~ LOAN PROGRAM ~ HOW THE SBA GUARANTY WORKS Lending Institution -- Plays The Central RoleLending Institution -- Plays The Central Role –Application & Processing Lending Institution -- Requests SBA GuarantyLending Institution -- Requests SBA Guaranty Lending Institution -- Closes and FundsLending Institution -- Closes and Funds Lending Institution -- Services the LoanLending Institution -- Services the Loan

U.S. Small Business Administration The Patriot Express Initiative Loan SBA’s Patriot Express Initiative has new and enhanced programs and services for veterans and members of the military wanting to establish or expand small businesses.

Veterans (other than dishonorably discharged) Service-disabled veterans Soon-to-be discharged active-duty service members eligible for the military’s Transition Assistance Program Reservists and National Guard members Current spouse of any Veteran (other than dishonorably discharged), any Service-Disabled Veteran, any Active Duty Military member, or Reservist or National Guard member; widowed spouse of a service member who died while in service; or widowed spouse of a veteran (other than dishonorably discharged) who died of a service-connected disability Military community members, including: Patriot Express Initiative Loan

85 percent for loans of $150,000 or less 75 percent for loans over $150,000 up to $500,000 Patriot Express loans qualify for the SBA’s maximum guaranty:

Other Key Features Revolving lines of credit available Lenders Use Mostly Own Documents & Procedures Loans Processed in Sacramento Delivery Methods -- Fax / Mail / E-Tran SBA Response - 24 Hours Patriot Express Initiative Loan

Collateral Requirements Lenders are not required to take collateral for loans up to $25,000 Lenders may use their existing collateral policy for loans over $25,000 up to $350,000 Lenders must take available collateral for loans greater than $350,000 Patriot Express Initiative Loan

Interest Rates The standard 7(a) interest rate restrictions apply: A lender may charge up to 2.25 percent over the Prime rate for maturities under seven years A lender may charge up to 2.75 percent over the Prime rate for maturities over seven years The rates can be 2 percent higher for loans of $25,000 or less Or, 1 percent higher for loans between $25,000 or $50,000. Patriot Express Initiative Loan

HELPFUL WEBSITES (main website) (district website) (size standards) (UTSA-SBDC) (210)