{"id":138502197,"date":"2011-06-22T00:00:00","date_gmt":"2011-06-22T04:00:00","guid":{"rendered":"https:\/\/acccapital.com\/advantage-loan-initiatives-from-the-sba\/"},"modified":"2026-04-02T13:08:44","modified_gmt":"2026-04-02T17:08:44","slug":"advantage-loan-initiatives-from-the-sba","status":"publish","type":"post","link":"https:\/\/acccapital.com\/hi\/advantage-loan-initiatives-from-the-sba\/","title":{"rendered":"Advantage Loan Initiatives from the SBA"},"content":{"rendered":"

In an effort to stimulate economic growth and job creation in underserved communities, the SBA introduced two new initiatives this past February. The new Advantage Loan Initiatives offer a “streamlined application process for SBA 7(a) up to $250,000<\/em>.” These programs are an effort to increase lower dollar loans as studies have shown that such loans are instrumental to growth in underserved communities and to new business formation. The chart below shows the\u00a0comparison\u00a0between a Small Loan Advantage and Community Advantage: <\/p>\n\n\n\n\n\n\n\n\n\n
<\/td>\n\n

Small Loan Advantage<\/strong><\/p>\n<\/td>\n

\n

Community Advantage<\/strong><\/p>\n<\/td>\n<\/tr>\n

SBA\u2019s stated purpose:<\/strong><\/td>\nSmall Loan Advantage is structured to encourage larger, existing SBA lenders to make lower-dollar loans, which often benefit businesses in underserved markets.<\/td>\nCommunity Advantage is a pilot initiative aimed at increasing the number of SBA 7(a) lenders who reach underserved communities, targeting community-based, mission-focused financial institutions which were previously not able to offer SBA loans. It is a three year program.<\/td>\n<\/tr>\n
Maximum Loan Size:<\/strong><\/td>\n$250,000<\/td>\n$250,000<\/td>\n<\/tr>\n
Guarantee:<\/strong><\/td>\n85 percent for loans up to $150,000 75 percent for those greater than $150,000<\/td>\n85 percent for loans up to $150,000 75 percent for those greater than $150,000<\/td>\n<\/tr>\n
Approval Times:<\/strong><\/td>\nMost Small Loan Advantage loans will be approved in a matter of minutes through electronic submission (e-Tran). Non-delegated Small Loan Advantage loans will be approved within 5 to 10 days.<\/td>\nMost Community Advantage loans will be approved within 5 to 10 days.<\/td>\n<\/tr>\n
Paperwork:<\/strong><\/td>\nSmall Loan Advantage features streamlined paperwork, with a two-page application for borrowers and lenders can use their own note and guaranty agreement.<\/td>\nCommunity Advantage features streamlined paperwork, with a two-page application for borrowers.<\/td>\n<\/tr>\n
Lender Requirements:<\/strong><\/td>\nSmall Loan Advantage is open to financial institutions (currently 630 lenders) participating in SBA\u2019s Preferred Lender Program (PLP).<\/td>\nCommunity Advantage is open to mission-focused lenders, including Community Development Financial Institutions, SBA\u2019s Certified Development Companies and SBA\u2019s nonprofit microlending intermediaries. Community Advantage lenders will be expected to maintain at least 60 percent of their SBA loan portfolio in underserved markets.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Learn more about the SBA’s Advantage Loan Initiatives here…<\/a><\/p>","protected":false},"excerpt":{"rendered":"

In an effort to stimulate economic growth and job creation in underserved communities, the SBA introduced two new initiatives this past February. The new Advantage Loan Initiatives offer a “streamlined application process for SBA 7(a) up to $250,000.” These programs are an effort to increase lower dollar loans as studies have shown that such loans […]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[110],"tags":[],"class_list":["post-138502197","post","type-post","status-publish","format-standard","category-lending-news","entry"],"acf":[],"yoast_head":"\nAdvantage Loan Initiatives from the SBA | ACC Capital<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acccapital.com\/hi\/advantage-loan-initiatives-from-the-sba\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Advantage Loan Initiatives from the SBA | ACC Capital\" \/>\n<meta property=\"og:description\" content=\"In an effort to stimulate economic growth and job creation in underserved communities, the SBA introduced two new initiatives this past February. 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