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SBA’s Energy and Pollution Control Loan Programs. Basic Eligibility Requirements. Business must: Be operated for profit and not exceed SBA size standards. Not be engaged in lending, real-estate development, investments or speculation. Not be engaged in promotion of a specific religion.

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basic eligibility requirements
Basic Eligibility Requirements

Business must:

  • Be operated for profit and not exceed SBA size standards.
  • Not be engaged in lending, real-estate development, investments or speculation.
  • Not be engaged in promotion of a specific religion.
  • Not restrict patronage or be a gambling enterprise, or engage in prurient sexual materials or services.
  • Meet the specific loan program eligibility requirement.

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What Are Lenders Looking For?

SBA Participating Lenders Require:

  • Good character and credit history
  • Management expertise and commitment to succeed
  • Sufficient personal contribution to equity that supports the risk
  • Feasible, comprehensive plan with a proven or tested product or concept.
  • Sufficient collateral (all available collateral has been pledged) including Personal Guarantees.
  • Ability to repay loan from historical earnings or projected operating cash flow
energy conservation loan program
Energy Conservation Loan Program
  • Loans targeted towards small businesses engaged in engineering, manufacturing, distribution, marketing, installing, or servicing products that are designed to conserve our nation’s resources.
  • Program can be used with other loan programs.
  • Loans for traditional energy conservation in other industries are under the regular SBA 7(a) Loan Program.
energy conservation loan program1
Energy Conservation Loan Program
  • Open SBA Handout…
    • What measures are eligible for financial assistance?
    • What can we use the money for?
    • Are there any special criteria?
energy loan program
Energy Loan Program
  • Loan Amount: Up to $2 Million.
  • Rate: Capped at 2 ¾% over Prime.
  • Terms: Up to 25 years depending on use.
  • SBA Fees: 2 to 3 ½ percent.
  • Loan Proceeds: Acquire property, limited research and development costs (30% maximum), and working capital.
  • Other: Requires comprehensive Business Plan to support and justify loan purpose.
pollution control loan program
Pollution Control Loan Program
  • Loans for small businesses that plan to design, build, or service a new Pollution Control Facility. Loans for similar purposes to existing facilities are offered under SBA’s regular 7(a) Loan Program.
  • Can be used with other loan programs when limits or credit enhancement is required.
  • Loans for improvements, additions, or pollution control enhancements to an existing facilities are covered under SBA’s 7(a) Loan Program.