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 Loan Maturities ............................................................................................................................................. 36 Interest Rates and Fees ................................................................................................................................. 36 SBA 7(a) Programs ........................................................................................................................................ 36 The Preferred Lenders Program (PLP) ........................................................................................... 36 SBA Express Program ..................................................................................................................... 37 SBA Patriot Express Loan ............................................................................................................... 37 SBA Military Reservists Economic Injury Loans .............................................................................. 37 EXPORT FINANCING ...................................................................................................................................... 38 Export Express Loan Program ........................................................................................................ 38 The Export Working Capital Guarantee Program........................................................................... 38 The International Trade Loan Program .......................................................................................... 38 SBA Community Advantage Program ........................................................................................................... 39 Short-term Loans and Revolving Lines of Credit (CAPLines) ......................................................................... 40 Community Adjustment & Investment Program (CAIP) ................................................................................ 40 Pollution Control Loan ................................................................................................................................... 40 Defense Loan and Technical Assistance Program (DELTA)............................................................................ 41 SBA Micro Loans and Other Lending Programs ............................................................................................ 41 SBA Microloan Program ................................................................................................................. 41 SBA Intermediary Lending Pilot in North Carolina - The Support Center and NCEED ................................... 42 SBA Small Loan Advantage Program ............................................................................................................ 42 504 Certified Development Company Program ............................................................................................. 43 SBA Surety Bond Program ............................................................................................................................. 45 Small Business Investment Company (SBIC) Program ................................................................................... 45 Small Business Innovation Research (SBIR) / Small Business Technology Transfer (STTR) Programs ........... 47 Small Business Innovation Research (SBIR) ................................................................................... 47 Small Business Technology Transfer (STTR) ................................................................................... 49 Differences between SBIR and STTR .............................................................................................. 50 8(a) Program ................................................................................................................................................. 52 U.S. Department of Commerce .......................................................................................................................... 52 Economic Development Administration (EDA) .............................................................................................. 52 Revolving Loan Fund (RLF) ............................................................................................................. 52 Public Works and Economic Development Assistance................................................................... 53 Economic Adjustment Assistance .................................................................................................. 53 Economic Development Planning Assistance ................................................................................ 53 University Center Economic Development .................................................................................... 54 Research and Development ........................................................................................................... 54 Trade Adjustment Assistance for Firms (TAAF) Program ............................................................... 54 U.S. Department of Agriculture (USDA) ........................................................................................................ 56 Farm Service Agency ...................................................................................................................... 56 U.S. Department of Transportation (DOT) ..................................................................................................... 56 US Department of Transportation Short-Term Lending Program .................................................. 56 Rural Development Programs ............................................................................................................................ 57 Business and Industrial Loan Program .......................................................................................................... 57 Intermediary Re-lending Program (IRP) ......................................................................................................... 57 6
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 Rural Business Investment Program (RBIP) ................................................................................................... 58 Rural Lender Advantage ................................................................................................................................ 58 B&I Guaranteed Loan Program ...................................................................................................... 58 USDA Rural Development .............................................................................................................................. 59 Area Offices ................................................................................................................................... 60 Rural Business Enterprise Grants ................................................................................................... 61 U.S. Department of Energy ................................................................................................................................ 61 Financial Opportunities for Inventors ............................................................................................................ 61 Basic Energy Sciences .................................................................................................................................... 62 CHAPTER 5: STATE GOVERNMENT SOURCES ............................................................................................... 67 NC Department of Commerce ........................................................................................................................... 67 Commerce Finance Center ............................................................................................................................ 67 Community Development Block Grant (CDBG) Program ............................................................... 67 Industrial Development Fund (IDF) ................................................................................................ 67 Job Development Investment Grants ............................................................................................ 68 Shell Building Program ................................................................................................................... 69 Industrial Revenue Bond (IRB) Program ........................................................................................ 69 NC Board of Science and Technology ................................................................................................................ 70 One N.C. Small Business Program ................................................................................................................. 70 Energy R&D Cost-Sharing Program ............................................................................................................... 71 Green Business Fund ..................................................................................................................................... 71 NC Qualified Investment Tax Credit .............................................................................................................. 71 Technology Development (R&D) Tax Credit .................................................................................................. 74 One North Carolina Fund .............................................................................................................................. 75 Credit for Worker Training............................................................................................................................. 75 Credit for Investing in Central Office or Aircraft Facility Property ................................................................. 76 Credit for Substantial Investment in other Property ...................................................................................... 76 Other Tax Credits and Incentives for Businesses ........................................................................................... 76 North Carolina Ports Tax Credit .................................................................................................................... 77 NC Agricultural Finance Authority................................................................................................................. 77 Farm Ownership Loan Program ..................................................................................................... 77 Agribusiness Loan Program ........................................................................................................... 77 Agricultural Development Bonds ................................................................................................... 77 Renewable Energy Property Tax Credits ........................................................................................ 78 NC Community College System ......................................................................................................................... 79 Economic & Workforce Development Services – Industry Training Program ................................................ 79 CHAPTER 6: EQUITY CAPITAL SOURCES ...................................................................................................... 81 Equity Funding “Food Chain” ........................................................................................................................... 81 Individual Investors (Angel Capital) .............................................................................................................. 83 Angel Funds and Networks ........................................................................................................................... 84 Venture Capital ............................................................................................................................................. 86 Stages of VC Financing ................................................................................................................... 87 Raising Venture Capital.................................................................................................................. 88 QuestMark Partners, LP ................................................................................................................................... 113 7
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APPENDIX A: QUICK REFERENCE TO SBA
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PROGRAM AMOUNT % GUARANTEE (MAX) US
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PROFILES: VENTURE CAPITAL FUNDS ACT
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Capital Opportunities for Small Businesses - sbtdc

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