SBA Programs and Services
U.S. Small Business Administration
North Park Corporate Center
17319 San Pedro, Bldg. 2, Suite 200
San Antonio, Texas 78232
210.403.5917 -- Lender Relations
210.403.5928 -- Bus. Dev.
210.403.5924 – 8(a) Contracting
Office Website: www.sba.gov/tx/sanantonio
VETERANS’ OUTREACH PROGRAM
U.S. SMALL BUSINESS
ADMINISTRATION
SAN ANTONIO DISTRICT
Debra Dimando,
Veterans’ Affair Officer
Business Development Specialist
(210) 403-5914
SBA SAN ANTONIO DISTRICT
Angelo State University
SBDC (325) 942-2098
SBA--Mary Alice Blanco
SBDC and SBA Coverage
UT San Antonio SBDC
(210) 458-2460
SBA--Mary Alice Blanco
San Angelo
Irion
Tom Green Concho
Schleicher
Mcculloch San Saba Lampasas
Menard
Crockett
Llano
Mason
Sutton
Burnet
Williamson
Kimble
Gillespie
Val Verde
University of Houston
Victoria SBDC
(361) 575-8944
SBA—Debra Dimando
Lee
Travis
Marcos
Bastrop
Hays
Kerr
Edwards
San
Blanco
Kendall
Real
Comal
Fayette
Caldwell
Bandera
San Antonio
Kinney
Rio Grande College
(830) 758-5025
SBA– Debra Dimando
Uvalde
Guadalupe
Gonzales
Medina Bexar
Wilson
Maverick
Zavala
Eagle Pass
Frio
Atascosa
Lavaca
Texas State Univ. SBDC
(512) 245-4686
(512) 716-4800
SBA– Debra Dimando
De Witt
Karnes
Victoria Jackson
Victoria
Goliad
Dimmit
Texas A&M International
University SBDC
(956) 326-2550
SBA– Mary Alice Blanco
La Salle
Webb
Laredo
Live Oak
Mcmullen
Bee
Refugio
Calhoun
Del Mar College SBDC
Corpus Christi, TX
(361) 698-1021
SBA– Mary Alice Blanco
Why SBA?
• Business Development
– Outreach
– Special Workshops/Conferences
– Counsel & Advise through:
• Small Business Development Center Program (SBDC)
• Service Corps of Retired Executives (SCORE)
• Women Business Center (WBC) located in Austin
• Procurement Assistance
– 8(a) Program
• Loan Programs
8(a)BD Program Objectives
(Sec. 204 of Public Law 100-656)
• “to promote the business development of
small business concerns owned and
controlled by socially and economically
disadvantaged individuals . . .”
• “to promote the competitive viability of such
concerns . . .”
• “to clarify and expand the program for
procurement by the United States . . .”
~ LOAN PROGRAM ~
HOW THE SBA GUARANTY WORKS
• Lending Institution -- Plays The Central Role
– Application & Processing
• Lending Institution -- Requests SBA
Guaranty
• Lending Institution -- Closes and Funds
• Lending Institution -- Services the Loan
U.S. Small Business
Administration
The Patriot Express Initiative Loan
SBA’s Patriot Express
Initiative has new and
enhanced programs
and services for
veterans and members
of the military wanting
to establish or expand
small businesses.
Patriot Express Initiative
Loan
Military community members, including:
• Veterans (other than dishonorably discharged)
• Service-disabled veterans
• Soon-to-be discharged active-duty service
members eligible for the military’s Transition
Assistance Program
• Reservists and National Guard members
• Current spouse of any Veteran (other than
dishonorably discharged), any Service-Disabled
Veteran, any Active Duty Military member, or
Reservist or National Guard member; widowed
spouse of a service member who died while in
service; or widowed spouse of a veteran (other
than dishonorably discharged) who died of a
service-connected disability
Patriot Express Initiative Loan
Patriot Express loans qualify for
the SBA’s maximum guaranty:
• 85 percent for loans of
$150,000 or less
• 75 percent for loans over
$150,000 up to $500,000
Patriot Express Initiative Loan
Other Key Features
•
•
Revolving lines of credit available
Lenders Use Mostly Own Documents &
Procedures
•
•
•
Loans Processed in Sacramento
Delivery Methods -- Fax / Mail / E-Tran
SBA Response - 24 Hours
Patriot Express Initiative Loan
Collateral Requirements
• Lenders are not required to take
collateral for loans up to $25,000
• Lenders may use their existing
collateral policy for loans over
$25,000 up to $350,000
• Lenders must take available
collateral for loans greater than
$350,000
Patriot Express Initiative Loan
Interest Rates
The standard 7(a) interest rate restrictions
apply:
• A lender may charge up to 2.25 percent
over the Prime rate for maturities under
seven years
• A lender may charge up to 2.75 percent
over the Prime rate for maturities over
seven years
• The rates can be 2 percent higher for loans
of $25,000 or less
• Or, 1 percent higher for loans between
$25,000 or $50,000.
HELPFUL WEBSITES
www.sba.gov
(main website)
www.sba.gov/tx/sanantonio
(district website)
www.sba.gov/size
(size standards)
www.iedtexas.org
(UTSA-SBDC)
Debra.dimando@sba.gov
(210) 403-5914