SBA programs.

Here are some of the loan programs offered by the SBA. For a complete list and details on how to apply, visit www.sba.gov.

7(a) Loans:

The primary SBA loan program helps small businesses that might not be eligible for loans through normal lending channels. Money can be used for a variety of business purposes. The loans are made through commercial lenders and partially backed by an SBA guaranty.

In fiscal 2006, SBA backed 90,483 of these loans.

CDC 504 Loans:

Made through a certified development company, a 504 loan provides long-term, fixed-rate financing for real estate, machinery or equipment. Typically, the loan involves a private-sector lender with a senior lien, a certified development company and at least 10 percent equity from the borrower.

A list of CDCs is on the SBA Web site.

Mieroloans:

Provide short-term loans of up to $35,000 for working capital or purchases, but can't be used for real estate. The loan is through a nonprofit community-based lender. The typical microloan size is about $13,700.

A list of microloan intermediaries is on the SBA Web site.

International Trade Loans:

An applicant must establish that the loan will significantly expand or develop an export market and that it is adversely affected by import competition. Proceeds can be used to upgrade equipment or facilities to be used in the United States to improve competitive position.

Disaster Assistance Loans:

Small businesses that have suffered substantial economic injury from a physical disaster may be eligible. SBA provides economic injury loans and physical disaster loans to businesses of up to $1.5 million. SBA also provides disaster assistance to individuals.

Export Working Capital:

Provides short-term working capital when export financing is not available elsewhere on reasonable terms.