SSBCI由联邦政府设计为2010年的小型企业行为法案的一部分，以帮助各国加强现有贷款和股权方案和/或制定支持融资小企业的新计划。佛罗里达州收到了97,662,349美元的总SSBCI分配。

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中为新的私人资本产生至少976,623,490美元。

SSBCI贷款参与计划

The Loan Participation Program is available to qualified businesses that demonstrate adequate historical and/or proposed cash flow coverage and other credit underwriting metrics. However, these transactions will be undertaken to help mitigate any perceived credit weaknesses by the Partnering Lender.

我是小型商业寻求融资。我可以直接向EFI申请贷款或SSBCI计划的赠款吗？

No. The SSBCI program does not offer grants or direct loans. It provides loans and/or loan participations to commercial lenders, credit unions and Certified Development Finance Institutions (CDFIs) that extend credit to small businesses in Florida. If you are pursuing financing for a small business, you should contact a local lender in your area and discuss your financing needs and, if needed, apply for a small business loan.

联系： Michael Dinapoli. 佛罗里达州的经济机会，战略业务发展 107麦迪逊街 塔拉哈西, Florida 32399 办公室：850-717-8966 michael.dinapoli@deo.myflorida.com

What is an SSBCI Loan Participation?

SSBCI贷款参与允许购买贷款人的贷款的一部分（高达50％），通过降低贷方的信用风险来促进贷款。以下是典型的术语：

• 典型的贷款参与将在贷款金额的5-20％之间，最高可达50％（1：1分钟）
• 至少250,000美元的贷款金额;最高$ 5,000,000（允许较低的金额）
• Maximum participation term is five (5) years.
• 利率和费用可以谈判。
• 在任何情况下，在任何情况下都不允许贷款参与，使合作贷方承担不到20％的损失风险（基于所需融资）。

The most common Loan Participation is the504桥贷款参与。这些交易将由佛罗里达州第一资本财务公司（FFCFC）处理，与企业佛罗里达一起工作。

通过SBA 504贷款，贷款人被允许融资设备和所有者被占用的房地产购买，高达百分之九十（90％）的项目总成本。贷款人认为贷款预期，以至于50％以上的部分将由SBA票据“取出”。但是，初始关闭之间通常存在时间差异，即将出取出。504桥贷款计划将解决这个时序差异。因此，通过删除贷款人的90％融资风险，504座桥贷款计划为佛罗里达州的小企业提供更多资本。

• Typical loan participation is 100% of second mortgage note
• 至少250,000美元的贷款金额;最多$ 5,000,000。较小金额的交易将由案例逐案审议。
• 典型术语在3至18个月之间（直到SBA取出）
• Fee is typically .50% of participation (1.00% if ground-up construction)
• 任何认证的发展公司（CDC）都可以参加 - FFCFC审查聘请厘定埃菲的符合规定。
• 在任何情况下，在任何情况下都不允许贷款参与，使合作贷方承担不到20％的损失风险（基于所需融资）。

What uses of funds are Eligible?

The loan proceeds must be used for a “business purpose.” A business purpose includes, but is not limited to, startup costs, working capital, business procurement, franchise fees, equipment, inventory, as well as the purchase, construction renovation or tenant improvements of an eligible place of business that is not for passive real estate investment purposes.

What uses are Ineligible?

1. Loan proceeds may not be used for holding passive investments such as commercial real estate ownership, or the purchase of securities; and lobbying activities; or
2. Loan proceeds may not be used to repay delinquent federal or state income taxes unless the borrower has a payment plan with the relevant taxing authority; or
3. Loan proceeds may not be used to repay taxes held in trust or escrow, e.g. payroll or sales taxes; or
4. 贷款收益不得用于偿还欠任何所有者的资金，包括任何股权注射或注入企业的资本。
5. 贷款资金不得用于owne转移rship or business acquisition (purchase of “Goodwill”). However, if the transaction is structured strictly as an Asset Purchase, supported with a purchase contract describing the tangible assets being transferred (real estate, equipment, inventory, etc), and there is valuation that supports the asking price (with no amount attached to goodwill or business value), the transaction might be deemed eligible.
6. 贷款起源于保护批准的国家计划的保障下，该贷款未在批准的国家计划中未涵盖的债务，也是借款人欠贷方或贷方的联系。
7. 贷款是贷款进行再融资或投资t previously made to that borrower by the lender or an affiliate of the lender.

What types of lenders can use the program?

Eligible lenders include any insured depository institution, insured credit union, or community development financial institution (CDFI), as those terms are defined in section 103 of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 USC 4702)

有关贷方的其他信息click here。

借款人符合资格的资格？

1. Borrowers must be Florida businesses (or businesses locating in Florida).
2. 借款人平均必须有少于500名员工;750名员工最大。
3. 借款人必须拥有一个确定的合作贷款人提供new私人资本。借款人正在缺乏基于事先贷款或股权投资的资金。

借款人是什么不合格的？

1. Borrowers may not be businesses engaged in speculative activities that develop profits from fluctuations in price rather than through normal course of trade, such as wildcatting for oil and dealing in commodities futures, unless those activities are incidental to the regular activities of the business and part of a legitimate risk management strategy to guard against price fluctuations related to the regular activities of the business.
2. Borrowers may not be businesses that earns more than half of its annual net revenue from lending activities;unless the business is a non-bank or non-bank holding company Community Development Financial Institution; or
3. 借款人可能不是从事金字塔销售的企业，参与者的主要激励是基于越来越多的参与者所取得的销售;要么
4. Borrowers may not be businesses engaged in activities that are prohibited by federal law or applicable law in the jurisdiction where the business is located or conducted. (Included in these activities is the production, servicing, or distribution of otherwise legal products that are to be used in connection with an illegal activity, such as selling drug paraphernalia or operating a motel that knowingly permits illegal prostitution); or
5. 借款人可能不是从事赌博企业的企业，除非业务销售的年度净收入的不到33％;要么
6. 借款人可能不是公司校长被判犯有针对未成年人的性行为的业务;要么
7. Borrowers may not be businesses where the Borrower is an executive officer, director, or principal shareholder of the Partnering Lender or member of the immediate family of an executive officer, director, or principal shareholder of the Partnering Lender(s).

We are a Community Development Financial Institution (CDFI) in Florida. How can we participate in the program?

Community Development Financial Institutions (CDFIs) areeligible lendersas well as符合条件的借款人under the SSBCI program.

CDFIS作为获得信贷支持的符合条件的贷款人: CDFIs may enroll transactions in the state’s lending programs just like traditional banks.

CDFIs as eligible borrowers of SSBCI funds: Non-depository CDFIs are eligible borrowers under the program. This provision allows a financial institution to lend to a CDFI with SSBCI support to provide CDFIs with funds, or increased capacity to do small business loans.