国家小商业信贷倡议

Created as part of the Small Business Jobs Act of 2010, SSBCI was designed by the federal government to help states strengthen existing loan and equity programs and/or create new programs that support financing small businesses. Florida received a total SSBCI allocation of $97,662,349.

佛罗里达州SSBCI计划的主要目标是利用佛罗里达州的小企业的私人资本，这些企业被定义为具有500名员工或更少的企业。五年后，佛罗里达州必须展示，在SSBCI资金中每10美元获得新的小型商业贷款或投资10美元。因此，佛罗里达州的SSBCI计划预计将在佛罗里达州的小企业的新私人资本中产生至少976,623,490美元

SSBCI Loan Participation programs

贷款参与计划可供合格的企业提供，展示足够的历史和/或提议的现金流覆盖和其他信用承保指标。但是，将进行这些交易，以帮助减轻合作贷款人的任何感知信贷疲软。

I am small business seeking financing. Can I apply directly to EFI for a loan or a grant under the SSBCI Program?

不可以。SSBCI计划不提供赠款或直接贷款。它为商业贷款人，信贷工会和经过认证的发展金融机构（CDFI）提供贷款和/或贷款参与，该机构向佛罗里达州的小型企业延长信贷。如果您正在为小型企业追求融资，您应联系您所在地区的当地贷款人，并讨论您的融资需求，并在需要时申请小型商业贷款。

什么是SSBCI贷款参与？

An SSBCI Loan Participation permits the purchase of a portion (up to 50%) of the loan originated by the lender, facilitating the loan by reducing the lender’s credit risk. The following are the typical terms:

• Typical loan participation will be between 5-20% of the loan amount, up to a maximum 50% (1:1 min)
• Minimum $250,000 loan amount; maximum $5,000,000 (lower amounts permitted)
• 最高参与项是五（5）年。
• Interest rates and fees are negotiable.
• Under no circumstances will a loan participation be permitted under a scenario that allows the Partnering Lender to incur less than 20% risk of loss (based on the total required financing).

最常见的贷款参与是504 Bridge Loan Participation. These transactions will be processed by Florida First Capital Finance Corporation (FFCFC), working in conjunction with Enterprise Florida.

With SBA 504 Loans, lenders are permitted to finance equipment and owner-occupied real estate purchases up to ninety-percent (90%) of the total project cost. The lender makes such a loan with the expectation that the portion above 50% will be “taken-out” by a SBA note. However, there is often a timing difference between initial closing and that take-out. The 504 Bridge Loan Program will address this timing difference. Therefore, by removing this interim 90% financing risk for lenders, the 504 Bridge Loan Program makes more capital available for Florida’s small businesses.

• 典型的贷款参与是100％的第二抵押贷款票据
• Minimum $250,000 loan amount; maximum $5,000,000. Transactions for smaller amounts will be considered on a case-by-case basis.
• Typical term between 3 to 18 months (until SBA take-out)
• 费用通常是.50％的参与（1.00％如果上施加）
• Any Certified Development Company (CDC) can participate – FFCFC reviews CDC underwriting for compliance on behalf of EFI.
• Under no circumstances will a loan participation be permitted under a scenario that allows the Partnering Lender to incur less than 20% risk of loss (based on the total required financing).

What uses of funds are eligible?

贷款必须用于“经营宗旨”。经营宗旨包括，但不限于启动成本，营运资金，商业采购，特许经营费用，设备，库存以及购买，施工改造或租赁的符合条件的业务地点，这些企业不是被动真实的房地产投资目的。

What uses are ineligible?

1. 贷款收益不得用于举办商业房地产所有权等被动投资，或购买证券;和游说的活动;或者
2. 除非借款人有相关的税务机关的付款计划，否则贷款收益可能不用于偿还违法的联邦或州所得税;或者
3. 贷款收益不得用于偿还信托或托管中的税款，例如，工资单或销售税;或者
4. Loan proceeds may not be used to reimburse funds owed to any owner, including any equity injection or injection of capital for the business’ continuance.
5. 贷款收益不得用于转移所有权或商业收购（购买“善意”）。但是，如果交易被严格构建为资产购买，则支持描述转让的有形资产的购买合同（房地产，设备，库存等），并且估值支持要价（没有附加金额）善意或商业价值），交易可能被视为符合条件。
6. A loan originated to place under the protection of the approved state program prior debt that is not covered under the approved state program and that is or was owed by the borrower to the lender or to an affiliate of the lender.
7. A loan originated to refinance a loan or investment previously made to that borrower by the lender or an affiliate of the lender.

什么类型的贷方可以使用该程序？

符合条件的贷款人包括任何被保险人存款机构，保险金融机构或社区发展金融机构（CDFI），因为这些条款是在1994年重示社区发展和监管改善法案的第103条第103条（12 USC 4702）第103条所界定的

For additional information for lenders点击这里.

What borrowers are eligible?

1. 借款人必须是佛罗里达州的业务（或在佛罗里达州的企业）。
2. Borrowers must have less than 500 employees on average; 750 employees maximum.
3. Borrowers must have an identified Partnering Lender providing新的private capital. Borrowers seeking funding based on prior loans or equity investments are ineligible.

What borrowers are ineligible?

1. 借款人可能不是从事推测活动的企业，这些活动从价格波动而不是通过正常的贸易方面，如石油的野外，除非这些活动偶然向业务的经常活动附带而言守卫与经营常规活动的价格波动的合法风险管理策略。
2. 借款人可能不是从贷款活动中获得超过一半的年度净收入的企业;除非业务是非银行或非银行控股公司社区发展金融机构;或者
3. 借款人不得商业nesses engaged in pyramid sales, where a participant’s primary incentive is based on the sales made by an ever-increasing number of participants; or
4. 借款人可能不是从事联邦法律或适用法律在业务所在的管辖范围内禁止的活动的业务。（包括在这些活动中是制作，维修或分发，以与非法活动有关，例如销售毒品用具或经营意识允许违法卖淫的汽车旅馆）;或者
5. 借款人不得商业nesses engaged in gambling enterprises, unless the business earns less than 33% of its annual net revenue from lottery sales; or
6. 借款人不得商业nesses where the principal of the company has been convicted of a sex offense against a minor; or
7. 借款人不得是借款人的业务，借款人是合作责任贷方的执行官员，董事或主要股东的执行官员的董事，董事，董事或合作贷款人的主要股东的成员。

我们是佛罗里达州的社区发展金融机构（CDFI）。我们怎样才能参加该计划？

Community Development Financial Institutions (CDFIs) are符合条件的贷方也eligible borrowers在SSBCI计划下。

CDFIs as eligible lenders that receive credit support：CDFIS可以像传统银行一样注册国家贷款计划的交易。

CDFIS作为SSBCI资金的符合条件借款人：非存放CDFIS是该计划的符合条件的借款人。本规定允许金融机构与SSBCI支持借入CDFI，以向CDFIS提供资金，或增加小企业贷款的能力。