SBA loan 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.

CDC 504 LOANS

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

INTERNATIONAL TRADE LOANS:

For small businesses that will start or expand exporting activity or have been adversely affected by imports, The business must show that the loan will improve its ability to compete and can be used for fixed assets.

DISASTER ASSISTANCE LOANS:

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

EXPORT WORKING CAPITAL PROGRAM:

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

MICROLOANS

The program provides loans of up to $35,000 through a nonprofit community-based lender. The nonprofit also provides business training.