Capital Opportunities for Small Businesses - sbtdc

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C A P I T A L O P P O R T U N I T I E S F O R SMA L L B U S I N E S S E S Non-Members with Special Purposes Alliance Capital Ventures (ACV) 8623 Tullamore Park Circle Charlotte, NC 28226-2680 704.491.6248 www.alliancecapitalventures.com Special Purpose: Venture capital leasing -- assisting companies who recently received venture capital to establish equipment lines. Credit Unions A credit union is a member-owned, non-profit institution formed to encourage saving and offer lowinterest loans to its members. Members are usually people working for the same employer, belonging to the same association, or living in the same community. A study by the Small Business Administration looked at the role of small business lending at credit unions, banks, and small banks between 1986 and 2010. In this case, a small business loan was defined as under $1 million. The study found that over time and across regions, bank lending fluctuated quite a bit. But while small business lending at banks decreased over time, lending by credit unions increased dramatically. More credit unions were engaging in small business lending, and at the same time, credit unions were expanding their membership bases. Between 1986 and 2010, the number of credit unions doing small business lending went up from 5 percent of credit unions to 30 percent. Small business lending at credit unions grew much faster than at banks from 1995 to 2010, at an average annual rate of 16 percent at credit unions, compared to 3 percent at banks. After the 2001 recession, small business lending growth at credit unions kept growing at a rate of more than 20 percent, and even after the most recent recession– though lending declined all around– small business lending at credit unions was still stronger than at banks. 30
C A P I T A L O P P O R T U N I T I E S F O R SMA L L B U S I N E S S E S From: www.sba.gov/sites/default/files/files/rs387tot.pdf For a list of credit unions in North Carolina, please refer to the NC Department of Commerce’s Credit Union Division Annual Report at www.nccud.org/credit-union-directory North Carolina Credit Union Division 205 W. Millbank Rd., Suite 105 Raleigh, NC 27609 919.571.4888 www.nccud.com North Carolina Credit Union League 323 West Jones Street, Suite 200 Raleigh, NC 27603 919.457.9053 800.525.7087 www.nccreditunions.org 31
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Capital Opportunities for Small Businesses - sbtdc

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