Warning: the opinions expressed in this blog do not represent the official platform of the Libertarian Party. Read at your own risk.
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The U.S. Government is the nation's largest provider of financial assistance to women & minority owned small businesses. The U.S. Small Business Administration (SBA) is Congressionally mandated to assist the nation’s small businesses in meeting their financing needs. The SBA has small business loan programs and services to meet most small business needs. More information on U.S. Government Small Business Loans can be found at **www.SBASmallBusinessLoans.com**How do Government SBA Small Business Loans work?When a small business owner applies to a lending institution for a business loan, the lender reviews the application and decides if it merits a busiuness loan or if it requires an SBA guaranty. SBA backing on the business loan is then requested by the lender. In guaranteeing the business loan, the SBA assures the lender that, in the event the borrower does not repay the loan, the government will reimburse the lender for its loss. By providing this guaranty, the Small Business Administration helps tens of thousands of small business owners get financing they would not otherwise obtain.How much money can I borrow?Here are a few examples of what you can get from SBA small business loans programs:7(a) Loan Guaranty ProgramThe 7(a) Loan Guaranty Program is the SBA's primary small business loan program. A maximum loan amount of $2 million has been established for 7(a) business loans.Low Documentation Loan (SBALowDoc) SBALowDoc is the SBA’s quick and easy program that provides a guaranty on small business loans of $150,000 or less. Once you have met your lender’s requirements for credit, the lender may request an SBALowDoc guaranty for up to 85 percent of the loan amount. You complete the front of a one-page SBA application, and the lender completes the back. At SBALowDoc centers, the agency processes completed applications within 36 hours.SBAExpressThis method makes it easier and faster for lenders to provide small business loans of $250,000 or less. The SBA provides a rapid response through its PLP processing center in Sacramento, Calif.— within 36 hours of receiving the complete application package. Lenders use their own procedures to approve and service the loans.CommunityExpressThe CommunityExpress pilot program is designed to spur economic development and job creation in untapped rural and inner city communities by providing loans and technical assistance. Loan proceeds may be used for most business purposes, including start-up, expansion, equipment purchases, working capital, inventory or real-estate acquisitions.To be eligible for CommunityExpress, current or prospective small businesses must be located in low- and moderate-income urban and rural areas.While CommunityExpress is similar to SBAExpress, here are some differences:• CommunityExpress focuses on predesignated geographic areas that primarily low- and moderate-income urban and rural areas.• The maximum loan amount under CommunityExpress is $250,000.• CommunityExpress lenders, together with the National Community Reinvestment Coalition, provide hands-on technical training and support, both before and after loan closings, through community-based, nonprofit NCRC member organizations.7(m) Microloan ProgramThe SBA’s Microloan Program provides very small loans up to $35,000 to small businesses and not-for-profit child-care centers through a network of locally based intermediary lenders. In addition to making the loans, the intermediaries provide management and technical assistance to microborrowers and potential microborrowers.What can I use the loan proceeds for?You can use an SBA small business loan to:• expand or renovate facilities;• purchase machinery, equipment, fixtures and leasehold improvements;• finance receivables and augment working capital;• refinance existing debt (with compelling reason);• finance seasonal lines of credit;• construct commercial buildings; and/or• purchase land or buildings.How do I repay the loan?The length of time for repayment depends on the use of the loan proceeds and the ability of your small business to repay the loan.The term is usually 5 to 10 years for working capital, and up to 25 years for fixed assets such as the purchase or major renovation of real estate or purchase of equipment. There are no balloon payments, prepayment penalties, application fees or points permitted with these small business loans. Repayment plans may be tailored to each individual small business.How do I get started?You submit a business loan application to a lender for initial review. If the lender approves the business loan subject to an SBA guaranty, a copy of the loan application and a credit analysis are forwarded by the lender to the nearest SBA office. After SBA approval, the lending institution closes the business loan and disburses the funds; you make monthly loan payments directly to the lender. As with any loan, you are responsible for repaying the full amount of the loan. Visit **www.SBASmallBusinessLoans.com** for more info.
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Help me Dude, I think I'm lost..... I was searching for Elvis and somehow ended up in your blog, but you know I'm sure I saw him in a car lot yesterday, which is really strange because the last time I saw him was in the supermarket. No honest really, he was right there in front of me, next to the steaks singing "Love me Tender". He said to me (his lip was only slightly curled) "Boy, you need to get yourself a San Diego cosmetic surgery doctor ,to fit into those blue suede shoes of yours. But Elvis said in the Ghetto nobody can afford a San Diego plastic surgery doctor. Dude I'm All Shook Up said Elvis. I think I'll have me another cheeseburger. Then I'm gonna go round and see Michael Jackson and we're gonna watch a waaaay cool make-over show featuring some Tijuana dentists on the TV in the back of my Hummer. And then he just walked out of the supermarket singing. . . "You give me love and consolation,You give me strength to carry on " Strange day or what? :-)
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Howdy Libertarian Girl,I'm impressed with what you wrote here in your The blog has moved post. I gave up my search for womens rash guards information and wanted to hang out here on your blog - well done. I might make a blog like yours about womens rash guards, but I wouldn't try to compete with you. You're doing a great job Libertarian Girl.You got a great thing going... by friend.
Libertarian Girl this is great!It's funny how I was looking for this type of thing and found your post: The blog has moved. It pulled me right out of my research on womens rash guards products and allowed me to sit down for a nice read. Thanks for your great job Libertarian Girl. I think I'll hang out on your blog for a while and be done with womens rash guards stuff for now. Have a good day Libertarian Girl.
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Howdy Libertarian Girl,I'm impressed with what you wrote here in your The blog has moved post. I gave up my search for surfing rashguards information and wanted to hang out here on your blog - well done. I might make a blog like yours about surfing rashguards, but I wouldn't try to compete with you. You're doing a great job Libertarian Girl.You got a great thing going... by friend.
Hi there Libertarian Girl,Just to give you a heads up, you're probably going to get some more comments on this post: The blog has moved. I found you when I was out looking for the latest info about surfing rashguards products, and even though this doesn't relate to surfing rashguards, I still had to stop and tell you that you're doing a great job. You're about to get some visits from my brother and sister. I told them about your blog so I hope you don't mind.
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Hi, you almost lost me for one second there... but I'm glad I didn't click away. First, I enjoyed your post, and second, maybe you can help. I don't know how much blog spam you get but I get tons on my blog. Most of the time I'm talking about sports rash guards stuff because I have a sports rash guards website, and people post all this junk with their links and stuff. As blog owners, I guess we'll always be subject to the unethical and inconsiderate. Well, hopefully it's not driving you to crazy... Good luck partner, enjoy the positives friend.Bye ~
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Hi, you almost lost me for one second there... but I'm glad I didn't click away. First, I enjoyed your post, and second, maybe you can help. I don't know how much blog spam you get but I get tons on my blog. Most of the time I'm talking about jiu jitsu rash guards stuff because I have a jiu jitsu rash guards website, and people post all this junk with their links and stuff. As blog owners, I guess we'll always be subject to the unethical and inconsiderate. Well, hopefully it's not driving you to crazy... Good luck partner, enjoy the positives friend.Bye ~
Hi there Libertarian Girl,Just to give you a heads up, you're probably going to get some more comments from my family on this post: The blog has moved. I found you when I was out looking for sports rash guards product info, and even though this doesn't relate to sports rash guards, I still had to stop and tell you that you're doing a great job. You're about to get some visits from my brother and sister. I told them about your blog so I hope you don't mind.
Well Libertarian Girl, quality blogging comes from people who put the energy into their blog like you have. It was a nice change to land on your blog, lots of others are junked up with useless comments and information. I put a lot of energy into my martial arts rash guards site, so it does pretty well with martial arts rash guards stuff. I think I'll re-create my blog because I like what you've done here and want mine to be more like yours. Thanks for the lesson in good bloggin. You get a special bookmark :)have a fantastic day..
Okay Libertarian Girl, I don't know if you can help me, but I think maybe you will understand. I see all this crazy blog spam everywhere (I see some here) and I'm wondering if you know how we can stop it. I just have a site about woman rash guards, and I can't even go find information on woman rash guards without having to filter through all the junk. My blog gets totally bombarded with this rediculously spam. I hope you're not as frustrated as my self. Anyway, good luck with your blog, and let me know if you have any ideas...Thanks.
Hi Libertarian Girl, I have to say that your blog hits the spot! I was out looking for information on toddler rash guards but found your post: The blog has moved to be far more interesting than what I was looking for. Quite a good job you're doing on your site here... I'm thinking about making a blog about toddler rash guards I want to make it look like yours here. If you have any tips or secrets maybe you could share :) It was great to visit your blog, thanks.
Great post Libertarian Girl, without blogs like yours I would be miserable and bored. My recent injury has me cooped up at home, so it's always lucky to find a gem like your blog here to keep me amused. My girls rash guards website is getting better but it's hard to find information on girls rash guards stuff, so I like learning from quality blogs like yours because it helps me in my web projects. You do a sweat job my friend. I'll be bookmarking your site in a special place. Will probably tell a friend too.Nice work ~
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