The 7(a) Loan Guaranty Program

The 7(a) Loan Guaranty Program is the Small Business Administration's (SBA) primary lending program. It was designed to meet the majority of the small business community's financing needs. In addition to general financing, the 7(a) program also encompasses a number of the SBA's specialized loan programs presented in the table below

Low Doc	Designed to make loans for less than $100,000 more readily available and to streamline the loan review process
Fa$trak	An experimental small loan program being undertaken by a few lenders
CAPLines	Is composed of five programs designed to help small businesses meet short-term and cyclical working capital needs
International Trade	The International Trade Loan Program is designed to help companies which are either preparing to trade internationally or have already begun to export goods and services. It also provides help to companies which have suffered from competing with imports.
Export Working Capital	A combined SBA and Ex-Im Bank program to provide exporting small companies with short-term working capital
Pollution Control	A program to provide loan guarantees to eligible small businesses for the financing of the planning, design, or installation of a pollution control facility
DELTA	An acronym for Defense Loan and Technical Assistance, this is a joint venture between the SBA and the Department of Defense to provide technical assistance to defense-dependent small firms adversely affected by cutbacks in defense
Minority and Women's Pre-qualification	A pilot mentoring program which uses intermediaries to assist prospective minority and women borrowers in developing a viable loan application package and securing loans.
Disabled Assistance	Congress has not seen fit to provide funds for direct handicapped assistance loans.
Qualified Employee Trust	Designed to provide assistance to ESOPs (Employee Stock Ownership Plans
Veteran's Loans	The nation's gratitude does not, at this time, extend to providing funds for direct loans to Veterans.

Stewart-Gordon Associates, Inc.
P.O. Box 781992
Dallas TX 75378-1992
voice (972) 620-2489
fax (972) 406-0213
e-mail Tom Stewart-Gordon