State programs Minority Grants Black Business Planet

Grant Resources & Publications

Government Publications and Links
Contact the United States Government Printing Office at http://www.gpo.gov/

Catalog of Federal Domestic Assistance (CFDA)
The most comprehensive listing of federal programs, whether for education, career, or business, can be found in the Catalog of Federal Domestic Assistance (CFDA). It is available in most public libraries, or you can write to the U.S. Government Printing Office, Washington, DC 20402, or visit the GPO Web site at http://www.gpo.gov/ or the CFDA Web site at http://www.cfda.gov or http://aspe.os.dhhs.gov/cfda/. The latter site provides a more accessible listing of programs. To access it, go directly to http://aspe.os.dhhs.gov/cfda/ialphall.htm.

Federal Register
Consult the Federal Register, which is printed each business day by the U.S. government. It contains Notices of Funding Availability (NOFAs), which are invitations for applications for federal grant programs, and include program descriptions, eligibility requirements, and guidelines. Write to Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402, or visit the GPO Web site at http://www.gpo.gov/ or the Federal Register Web site at http://fr.cos.com/. To generate a customized listing of NOFAs, visit http://ocd.usda.gov/nofa.htm.

Grants Net
For finding information about U.S. Department of Health and Human Services HHS and other federal grant programs, visit GrantsNet at http://www.os.dhhs.gov/progorg/grantsnet. It is part of the much-publicized national movement toward providing government resources to the general public in a more accessible and meaningful manner.

Small Business Innovation Research (SBIR)
For a listing of \”other federal grant programs,\” visit the SBIR Web site at http://www.idbsu.edu/isbdc/sbirother.htm.

Free Money Directory
The Free Money Directory provides links not only for free money for organizations, businesses, and entrepreneurs but also provides links to \”free college money,\” \”get paid to surf,\” \”get paid to read your email,\” \”free lotteries and sweepstakes,\” and \”get paid to take surveys.\” Visit the Web site at http://www.freemoneydirectory.com/.

Federal Money Retriever
You can purchase the Federal Money Retriever from IDI Magic Technologies. This software application searches a database containing over 6,000 pages of federally funded sources. It is updated twice annually and prices range from \$39.95 to \$179.95. For information and a demo, visit http://www.idimagic.com or visit http://www.fedmoney.com.

Free Money to Change Your Life
Written by Matthew Lesko, this book lists 15,000 government programs (both state and local) to
\”get a better job, start a new career, get and education, or follow your dream.\” For more

information about this and other Lesko publications, see http://www.bizhotline.com/html/lesko_books.html

Government Giveaways for Entrepreneurs III
Visit http://www.doug-robinson.com/gov/business/9000.html to purchase \”Government Giveaways for Entrepreneurs III,\” a listing of over 9,000 government grants and loans, free money programs, government auctions, and more.

Grants Galore
Purchase a listing of grants from Grants Galore at http://ourworld-
top.cs.com/kayalock/grants_galore.htm

An Insiders Guide To Finding and Obtaining Grant Money
http://www.peak.org/~coins/govgrantb.html

A good percentage of the links and resources listed include tips on applying for grants, loans and government programs. Here are some tips from the pros that might save you time and money:
!"Don’t spend large amounts of money for publications, consulting, or databases. The Catalogue of Federal Domestic Assistance provides all the information you need. The no or low-cost services of the SBA and SBICs can help apply for grants and loans.
!"Do your homework. Learn as much as you can about programs that match your needs.
!"Investigate programs in states surrounding yours. Another state might have a program that would make a move worthwhile.
!"Find a face-to-face contact.
Be persistent. Good things don’t always come easy. But they come, all right.

Guidelines and literature United States Government Manual Superintendent of Documents
U.S. Government Printing Office
Washington, DC 20402
OMB Circular Nos. A-87, A-102, A-110, and A-133, and Executive Order 12372: Publications Office
Office of Administration
Room 2200, 725 Seventeenth Street, NW. Washington, DC 20503
Government Printing Office (GPO) Resources
The government documents identified above as available from the GPO can be requested
(supply the necessary identifying information) by writing to: Superintendent of Documents
Government Printing Office
Washington, DC 20402

Regional and Federal depository libraries
Regional libraries can arrange for copies of Government documents through an interlibrary loan. All Federal Depository Libraries will receive copies of the Catalog directly. A list of depository and regional libraries is available by writing: Chief, Library Division, Superintendent of Documents, Stop SLL, Washington, DC 20402.

TOP 100 GOVERNMENT PROGRAMS

Business Development Assistance to Small Business

FEDERAL AGENCY:

SMALL BUSINESS ADMINISTRATION

OBJECTIVES:

To help the prospective, as well as the present small business person improve skills to manage and operate a business.

TYPES OF ASSISTANCE:

Advisory Services and Counseling; Dissemination of Technical
Information; Training.

USES AND USE RESTRICTIONS:

Advises small business persons of all SBA and other government agency assistance services. This assistance includes the following:
(1) Workshops for prospective small business owners; (2) management counseling, including assistance from SCORE (Service Corps of Retired Executives), and other volunteer groups; (3) management courses or conferences and seminars; and (4) educational materials to assist in management of small business.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Existing and potential small business persons, and in some cases, members of community groups are eligible. A small business is one independently owned and operated, and not dominant in its field. Generally for manufacturers, average
employment not in excess of 500; wholesalers, average employment not in excess of 100; retail and services concerns, revenues not over
$5,000,000, and agricultural enterprises, gross annual sales not over
$500,000. Veterans are eligible for all programs. Beneficiary Eligibility: Small business persons, veterans, community groups.

APPLICATION AND AWARD PROCESS:

Application Procedure: Personal or written application to SBA
field offices. Locate your local SBA office.

PROGAM ACCOMPLISHMENTS:

In fiscal year 1999, management counseling was given to approximately 175,000 potential and existing small business entrepreneurs. Management training enrollment was 100,000 for the same period.

75

REGULATIONS, GUIDELINES, AND LITERATURE:

"The Resource Directory for Small Business Management," from all SBA offices or by calling SBA's answer desk at 1-800-8-ASK-SBA; FAX: (202) 205-7064; TDD: (202) 205- 7333.

INFORMATION CONTACTS:

Regional or Local Office: Initial contact should be made with the field offices (Locate your local SBA office).

Headquarters Office: Associate Administrator for Business Initiatives, Small Business Administration, 409 3rd Street, SW., Washington, DC 20416. Telephone: (202) 205-6665. Use the same number for FTS. SBA ON-LINE: For information on SBA's publications, programs and services, SBA's electronic bulletin board system, SBA ON-LINE, can be accessed by calling 1-800-697-4636,
1-900-463-4636, or 202-401-9600 or via Internet, on "SBA Online."

Web Site Address: http://www.sba.gov.

Business and Industry Loans

control and abatement. Maximum loan size is $10 million and maximum time allowable for final maturity is limited to 30 years for land and buildings, the usable life of machinery and equipment purchased with loan funds, not to exceed 15 years, and 7 years for working capital. Interest rates for direct loans change quarterly and are equal to the prime interest rate in effect on the first day of the quarter. Loans may not be made (a) to pay off a creditor in excess of the value of the collateral; (b) for distribution or payment to the owner, partners, shareholders, or beneficiaries of the applicant or members of their families when such persons shall retain any portion of their equity in the business; for projects involving agricultural production; (d) for the transfer of ownership of a business unless the loan will keep the business from closing, or prevent the loss of employment opportunities in the area, or provide expanded job opportunities; (e) for financing community antenna television
services or facilities; (f) for charitable and educational institutions, churches, fraternal organizations, hotels, motels, tourist homes, convention centers, tourist, recreation or amusement facilities, lending and investment institutions and insurance companies; (g) for any legitimate business activity where more than 10 percent of the annual gross income is derived from legalized gambling; and (h) for any project which is likely to result in the transfer of business or employment from one area to another or cause production which exceeds demand. Guaranteed loans may be extended for: (a) modernization, development costs; (b) purchasing and development of land, easements, rights-of-way, buildings, facilities, leases or materials; purchasing equipment, leasehold improvements, machinery and supplies; (d) projects involving agricultural production, when not eligible for Farm Service Agency farmer program assistance and when it is part of an integrated business also involved in the processing of agricultural products and the
agricultural production portion of the loan does not exceed the lessor of 50 percent of the total loan or $1 million; and (e) pollution control and abatement. Maximum loan size is $25 million and maximum time allowable for final maturity is limited to 30 years for land and buildings, the usable life of machinery and equipment purchased with loan funds, not to exceed 15 years, and 7 years for working capital. Interest rates for guaranteed loans are negotiated between the
lender and the borrower. For loans of $5 million or less, the maximum percentage of guarantee is 80 percent. For loans over $5 million but not over $10 million, the maximum percentage of guarantee is 70 percent. For loans in excess of $10 million up to $25 million, the maximum percentage of guarantee is 60 percent. Losses on principal advanced, including protective advances, and accrued interest, may be guaranteed by the Agency, but the maximum loss paid by RBS will never exceed the original principal plus accrued interest. Loans may not be made for: (a) distribution or payment to
the owner, partners, shareholders, or beneficiaries of the applicant or members of their families when such persons shall retain any portion of their equity in the business; (b) the transfer of ownership of a business unless the loan will keep the business from closing, or prevent the loss of employment opportunities in the area, or provide expanded job opportunities; the guarantee of lease payments; (d) charitable institutions, churches, fraternal organizations, lending and investment institutions and insurance companies; (e) any legitimate

business activity where more than 10 percent of the annual gross income is derived from legalized gambling; (f) the guarantee of loans made by other Federal agencies except those made by Banks for Cooperatives, Federal Land Bank or Production Credit Associations;
(g) golf courses; (h) racetracks where individual prizes are awarded in the amount of $500 or more; (I) owner-occupied housing; (j) projects eligible for the Rural Rental Housing and Rural Cooperative Housing loans under sections 515, 521, and 538 of the Housing Act of 1949, as amended; and (I) any project which is likely to result in the transfer of business or employment from one area to another or cause production which exceeds demand. Interested parties should contact the Rural Business-Cooperative Service (RBS) or the nearest Rural Development State Office which administers the programs at the local level.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: An applicant may be a cooperative, corporation, partnership, trust, or other legal entity organized and operated on a profit or nonprofit basis; an Indian tribe; a municipality, county, or other political subdivision of a State; or individuals in rural areas. Applicants for direct loans must be located in one of the fifty States, Puerto Rico, Virgin Islands, Guam, American Samoa, or the Commonwealth of the Northern Mariana Islands, in rural areas other than a city, having a population of fifty thousand or more and its immediately adjacent urbanized and urbanizing area with a population density of more than one hundred persons per square mile, as determined by the Secretary of Agriculture according to the latest decennial census of the United States. In addition to the eligible locations for direct loans, applicants for guaranteed loans may also be located in the Republic of Palau, the Federated States of Micronesia, and the Republic of the Marshall Islands. Preference is given to loans in open country, rural communities and towns with populations of 25,000 or less, and, on applications of equal priority, to veterans. Applicants must be U.S. citizens or reside in the U.S. after being legally admitted for permanent residence and, if corporations, at least 51 percent owned by such individuals.

Beneficiary Eligibility: Beneficiaries include cooperatives, corporations, partnerships, trust or legal entities organized and operated for profit or nonprofit, Federally recognized Indian Tribal Governments and individuals in rural areas of less than 50,000 population.

Credentials/Documentation: Evidence of legal capacity, economic feasibility and financial responsibility relative to the activity for which assistance is requested. This programs are excluded from coverage under OMB Circular No. A-87.

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: This program is eligible for

coverage under E.O. 12372, "Intergovernmental Review of Federal Programs." An applicant should consult the office or official designated as the single point of contact in his or her State for more information on the process the State requires to be followed in applying for assistance, if the State has selected the program for review. All preapplication letters must be coordinated fully with appropriate State agencies in keeping with E.O. 12372,
"Intergovernmental Review of Federal Programs," in a manner that will assure maximum support of the State's strategies for development of its rural areas. The application form as furnished by the Federal agency must be used for this program. An environmental assessment is required and an environmental impact statement may be required for this program. This program is excluded from
coverage under OMB Circular No. A-102.

Application Procedure: Part A of Form FMHA 449-1 is used for direct loans and Form 4279-1 is used for guaranteed loans and filed at the Rural Development State Office. These programs are excluded from coverage under OMB Circular No. A-110.

Award Procedure: Applications are forwarded to the Rural
Development State Director for review and final approval.

Deadlines: Not applicable.

Range of Approval/Disapproval Time: From 60 to 120 days. Appeals: If an application is denied, the reasons for denial are fully stated. The lender or applicant may individually or jointly request mediation or an appeal hearing by the National Appeals Staff within
30 days provided the request is in writing. The requestor and State
Director are notified of the decision by the Hearing Officer.

Renewals: Not applicable.

ASSISTANCE CONSIDERATIONS:

Formula and Matching Requirements: Matching funds are not required. For existing businesses, applicants are required to provide a minimum of 10 percent tangible balance sheet equity for guaranteed loans. For new businesses, at least 20 percent is required for guaranteed loans. For direct loans, new businesses and those businesses which cannot offer personal or corporate guarantees, or for energy- related businesses, 20-25 percent equity is required. Feasibility studies are normally required. Exceptions to the feasibility study requirement may be made to businesses with adequate financial history.

Length and Time Phasing of Assistance: The letter of conditions for the direct loan and the Conditional Commitment for the guaranteed loan specifies the time limit for the use of funds. The Loan Note Guarantee for a guaranteed loan will be issued when all of the requirements of the Conditional Commitment have been or will be met.

POST ASSISTANCE REQUIREMENTS:

Reports: Each guaranteed lender will be required to monitor and report to RBS on actual performance during the construction of each project financed, in whole or in part, with RBS assistance. When the project is in operation, field visits will be made and customary financial statements provided as determined by the guaranteed lender and RBS.

Audits: Independent accountant audited financial statements prepared in accordance with Generally Accepted Accounting Principles are required annually for direct loans. Independent accountant compiled or reviewed financial statements prepared in accordance with Generally Accepted Accounting Principles are required annually for guaranteed loans. RBS may require audited statements for guaranteed loans in excess of $3 million.

Records: Records and accounts must be maintained to reflect the operations of the project.

FINANCIAL INFORMATION:

Account Identification: 12-4155-0-3-452; 12-1902-0-1-452; 12-
0400-0-1-452.

Obligations: (Direct Loans) FY 99 $26,150,000; FY 00 est
$50,000,000; and FY 01 est $50,000. (Guaranteed Loans) FY 99
$1,180,303,000; FY 00 est $869,000,000; and FY 01 est $1,250,000. Range and Average of Financial Assistance: $35,000 to $10 million for direct loans; $35,000 to $25 million for guaranteed loans
$435,829 (average size) for B&I direct loans; $1,570,313 (average size) for B&I guaranteed loans.

PROGAM ACCOMPLISHMENTS:

There were 603 direct loans made in fiscal year 1999. It is estimated that 130 direct loans will be made in fiscal year 2000. There were
792 guarantees made in fiscal year 1999. It is estimated that there will be 657 guarantees made in fiscal year 1999.

REGULATIONS, GUIDELINES, AND LITERATURE:

Direct Loans: 7 CFR Part 1980-E, Section 1980.401 through
1980.500. Guaranteed Loans: 7 CFR Part 4279-A, Section 4279.1 through 4279.100, Part 4279-B, Section 4279.101 through 4279.200, and Part 4287-B, Section 4287.101 through 4279.200.

INFORMATION CONTACTS:

Regional or Local Office: Consult your local telephone directory for appropriate Rural Development State Office

Headquarters Office: Administrator, Rural Business-Cooperative
Service, Department of Agriculture, Washington, DC. 20250-3201.

Telephone: (202) 690-4730. Use the same number for FTS. FAX:
(202) 690-4737.

Web Site Address: http://www.rurdev.usda.gov.

EXAMPLES OF FUNDED PROJECTS:

Loans made and guaranteed by RBS have been in order to assist a wide variety of manufacturing, retail, wholesale, and service businesses. Some recent loans and loan guarantees have assisted an agribusiness in expanding its service area, helped a radio station begin operations, provided access to capital for a catfish farm, assisted a textile firm in modernizing and expanding its operations, and provided working capital and financing for machinery and equipment for a printing company.

CRITERIA FOR SELECTING PROPOSALS:

(1) Those projects that will save existing jobs, (2) improve existing business and industry, (3) create the greatest number of permanent jobs, (4) contribute to the overall economic stability of rural areas.

Women's Business Ownership Assistance

USES AND USE RESTRICTIONS:

To establish women's business centers for the benefit of small business concerns owned and controlled by women. The services and assistance provided by the women's business centers must include financial, management, procurement and marketing to start- up or established on-going concerns. Annual awards are issued through a 5-year term to successful applicants. Also, sustaining centers that have completed an award cycle may receive additional funding through a 4-year pilot program established under the Women's Business Center Sustainability Act of 1999. Awards are not issued to start or expand a business.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Private, nonprofit organizations having experience in effectively training and counseling business women. Public educational institutions and State and local governments are not eligible.

Beneficiary Eligibility: Women entrepreneurs starting their own business or expanding their existing business.

Credentials/Documentation: None.

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: This program is excluded from coverage under E.O. 12372.

Application Procedure: Applications are accepted in accordance with and up to the date specified in the annual program announcement. The applicant must complete the Application for Federal Assistance (Standard Forms 424, 424A and 424B) and submit a written proposal addressing all of the selection criteria stated in the program announcement. The applicant must submit applications/proposals by the application closing date to the SBA Office of Procurement and Grants Management, 5th Floor, 409 3rd Street, SW., Washington DC 20416.

Award Procedure: Proposals of eligible applicants are evaluated by a review panel. Candidates for sustainability awards also undergo a site review. The SBA/Office of Procurement and Grants Management issues an award to each approved applicant.

Deadlines: Applications/proposals must be submitted by the date indicated in the Program Announcement.

Range of Approval/Disapproval Time: Within 120 days from filing deadline.

Appeals: Not applicable.

Renewals: Annual option awards are issued to successful award recipients through a 5-year term without recompetition.

ASSISTANCE CONSIDERATIONS:

Formula and Matching Requirements: Of the appropriation made available to the WBC program, administrative costs ranges from 1.6 to 2 percent from fiscal years 2000 through 2003. During that period, the following percentages must be reserved for sustainability awards:
(1) for Federal fiscal year 2000, 17%; (2) for fiscal year 2001, 18.8%;
(3) for fiscal year 2002, 30.2%; (4) for fiscal year 2003, 30.2%. Remaining program funds must be issued to annually award recipients of new and continuing projects. The recipient organization must obtain cash contributions from nonfederal sources to match the Federal award. The match requirement for recipients through the 5- year term is as follows: one nonfederal dollar for each two Federal dollars in the first and second years; and one nonfederal dollar for each Federal dollar in the third, fourth and fifth years. The match requirement for sustainability awards is One nonfederal dollar for each Federal dollar each year through the 5-year term. Up to one- half of the nonfederal matching assistance may be in the form of in- kind contributions. The Administration may disburse up to 25 percent of each year's Federal share awarded to a recipient organization after notice of the award has been issued and before the nonfederal sector matching funds are obtained.

Length and Time Phasing of Assistance: The annual performance period begins July 1 and ends June 30 of the following calendar year. Success projects may be funded through a 5-year term without recompetition.

POST ASSISTANCE REQUIREMENTS:

Reports: Quarterly performance and financial reports are due in October, January, April and July of each 12-month performance period. Each project report must include statistical data. Two reports, January and July, must include a narrative description of project activities. The Administrator prepares an annual report to the Committees on Small Business of the House of Representatives and the Senate on the effectiveness of all projects. Performance report must provide information concerning: (1) The number of individuals assisted; (2) the number of hours of counseling and training provided and workshops conducted; (3) the number of startup business concerns formed; (4) any available gross receipts of assisted concerns; (5) increases or decreases in profits of assisted concerns; and (6) the employment increases or decreases of assisted concerns.

Audits: The SBA will conduct an annual programmatic and financial examination of each Women's Business Center. Also, the
award recipient must follow audit requirements as prescribed in OMB Circular No. A-133, as applicable.

Records: The awardee shall maintain and submit detailed,

complete and accurate client activity records to reflect clearly the nature and variety of services provided. Financial records must be kept until 3 years after the completion and submission of the final report.

FINANCIAL INFORMATION:

Account Identification: 73-0100-0-1-376.

Obligations: (Cooperative Agreements) FY 99 $8,000,000; FY 00
est $9,000,000; and FY 01 est $9,000,000.

Range and Average of Financial Assistance: $75,000 to
$150,000; $150,000.

PROGAM ACCOMPLISHMENTS:

In fiscal year 2000, training and counseling was offered at 71 centers across the nation. In addition to regular services, centers provided mentoring and internet services. All centers provide content and maintenance services to the Online Women's Business Center on
the Internet, www.onlinewbc.org.

REGULATIONS, GUIDELINES, AND LITERATURE:

OMB Circulars A-110, A- 122, A-21, A-133.

INFORMATION CONTACTS:

Regional or Local Office: Women's Business Ownership
Representative. Locate your local SBA office.

Headquarters Office: Small Business Administration, Office of Women's Business Ownership, 409 Third Street, SW., Washington, DC 20416. Telephone: (202) 205-6673. Use the same number for FTS. Contact: Sally Murrell.

Web Site Address: http://www.sba.gov/womeninbusiness.

A typical project funded is the Women's Economic Self Sufficiency Team in Albuquerque, NM. The project provides in-depth and quality training and counseling to women entrepreneurs in Las Cruces and Farmington, NM.

CRITERIA FOR SELECTING PROPOSALS:

As stated in each solicitation for proposals, but including: (1) Applicant's experience in conducting programs or ongoing efforts designed to impart or upgrade the business skills of women business owners or potential owners; (2) present ability of applicant to commence a project within a minimum amount of time; (3) ability of applicant to provide business development, management and technical assistance training and services to a representative
number of women who are both socially and economically disadvantaged; (4) location for the women's business center site proposed by the applicant; (5) services and activities to be offered to small businesses owned or controlled by women or women entrepreneurs and other clients; (6) internal organization, structure, and activities of applicant; (7) plans for coordination with SBA and other community and small business organizations; (8) plans for raising matching funds and other financial plans; and (9) States and territories without a WBC.

Very Low to Moderate Income Housing Loans

FEDERAL AGENCY:

RURAL HOUSING SERVICE (RHS), DEPARTMENT OF AGRICULTURE

AUTHORIZATION:

Housing Act of 1949, Title V, Section 502, as amended, Public Law 89-117, 42
U.S.C. 1471 et seq.; Public Law 92-310, 42 U.S.C. 1480, 42 U.S.C. 1472; Public Law 98-51; Public Law 100-233; Amendment of Consolidated Farm and Rural Development Act of 1987, Section 601.

OBJECTIVES:

To assist very low and low-income families through direct loans to buy, build, rehabilitate, or improve and to provide the customer with modest, decent, safe, and sanitary dwellings and related facilities as a permanent residence in rural areas. Subsidized funds are available on direct loans only for low and very low- income applicants. Nonsubsidized funds (loan making) are available for very low and low- income applicants who are otherwise eligible for subsidy, but at the present time, the subsidy is not needed. Loan guarantees are also available to assist low and moderate income rural families in home acquisition.

TYPES OF ASSISTANCE:

Direct Loans; Guaranteed/Insured Loans.

USES AND USE RESTRICTIONS:

Direct loans may be used for construction, repair or purchase of housing; to provide adequate sewage disposal facilities and/or safe water supply for the applicant's household; for weatherization; to purchase or install essential equipment if the equipment is normally sold with dwellings in the area; to buy a minimum adequate site on which to place a dwelling for the applicant's own use; and under certain conditions to finance a manufactured home and its site. Debts directly related to the house may under certain circumstances be refinanced with direct loans. Dwellings financed must be modest, decent safe and provide sanitary housing. For direct loans, the cost of dwelling financed cannot exceed the maximum dollar limitation established under section 203(b) of the National Housing Act as of September 30, 1998 for the area in which the property is located. For guaranteed loans, there is no loan limit; however, the proposed mortgage must be within qualifying ratios. The property must be located in a place that is rural in character and does not exceed 10,000 population or in certain
cases a place whose population exceeds 10,000 but is not in excess of 25,000. Assistance is available in the States, the Commonwealth of Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, the Commonwealth of Northern Mariana's, and the Trust Territories of the Pacific Islands. Loans are made at the interest rate(s) specified in RD Instruction 440.1, Exhibit B (available in any Rural Development local office) for the type of assistance involved, and are repaid over an amortization period of up to 33 years for regular loans and 38 years for loans to applicants whose adjusted annual income do not exceed 60 percent of the area median income, if necessary to show repayment ability. Payment assistance is granted annually which would reduce the monthly installment on the note to an amount equal to what it would be if the note were amortized to as low as one percent, depending on the loan amount, the size and income of the family. Payment assistance is subject to recapture by the government when the customer no longer resides in the dwelling. The Deferred Mortgage Demonstration Program was available during fiscal years 1991- 1995 however, there has not been funding provided for deferred mortgage authority or loans for deferred mortgage assumptions in four fiscal years. Deferred mortgage payment assistance is available to make home ownership affordable for a greater number of very low-
income families who lack repayment for the mortgage when amortized at 1 percent for a 38 year period, or 30 years for a manufactured home. The guaranteed program is an acquisition only program. Guaranteed loans are amortized over 30 years. The interest rate is negotiated with the lender.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Applicants must be without adequate resources to obtain housing, or related facilities. The applicants must be unable to secure the necessary credit from other sources at prevailing terms and conditions for residential type financing; be a natural person (individual) who resides as a citizen in the United States or its Territories after having been legally admitted for permanent residence or on indefinite parole; have adequate and dependable available income to meet family living expenses, including taxes, insurance and maintenance, and repayments on debts including the proposed loan. For direct loans, applicants must be eligible for payment assistance and income may not

exceed the low-income limits set forth in RD Instructions. The income limits are according to the size of household as is established by the Department of Housing and Urban Development (HUD) for the county or MSA where the property is or will be located. For a guaranteed loan the applicant's income may not exceed the moderate income limit which is generally 115 percent of the median income for the area.

Beneficiary Eligibility: Applicants and borrowers are the direct beneficiaries of the program and must meet applicant eligibility requirements.

Credentials/Documentation: Applicants may need to submit evidence of inability to obtain credit elsewhere, verification of income and debts, plans, specifications, and cost estimates. This program is excluded from coverage under OMB Circular No. A-87.

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: None. This program is excluded from coverage under OMB Circular No. A-102 and E.O. 12372.

Application Procedure: For direct loans, applicants must file loan applications at the Rural Development field office serving the county where the dwelling is or will be located. For guaranteed loans, applicants must contact a local lender. This program is excluded from coverage under OMB Circular No. A-110.

Award Procedure: Delegated to Community Development Manager.

Deadlines: None.

Range of Approval/Disapproval Time: From 30 to 60 days subject to availability of funds, from the time the application is filed if no backlog of applications exists.

Appeals: Agency regulations providing customers with the rights for an informal review, mediation or alternative dispute resolution (ADR), or appeal to the National Appeals Division (NAD) are contained in 7 CFR Part 3550. NAD regulations are found at 7 CFR Part 11. Requests for an informal review, mediation and ADR must be received within 30 days from the date of the adverse decision. Requests for an appeal to NAD must be received within 30 days of receipt of the adverse decision.

Renewals: Applicants may reapply at any time.

ASSISTANCE CONSIDERATIONS:

Formula and Matching Requirements: This program has no matching requirements. This program has no statutory formula. A basic formula is used to allocate program funds to various States. The criteria used in the basic formula include the States percentage of the National: Number of rural occupied substandard units, rural population, rural population in places of less than 2500 population, number of rural households between 50 and 80 percent of the area median income, and number of rural households below 50 percent of the area median income. The data source for each of these criteria is based on the latest census data available.

Length and Time Phasing of Assistance: This assistance is available throughout the year by means of quarterly allocations of funds to District offices. Funds may be disbursed at loan closing or deposited in a supervised bank account for purchase of a building site, and purchase or repair of a dwelling, or in multiple advances for construction. For guaranteed loans, funds are disbursed
after all work is complete. Applications for assistance far exceed available funding. There is generally a waiting list for funding.

POST ASSISTANCE REQUIREMENTS:

Reports: Borrowers receiving a payment subsidy interest must submit verification of household income annually for recalculation of benefits.

Audits: None.

Records: Borrowers are not required to, but should retain copies of loan-related documents.

FINANCIAL INFORMATION:

Account Identification: 12-4141-0-3-371; 12-2081-0-1-371.

Obligations: (Direct Loans) FY 99 $964,587; FY 00 est $1,100,000; and FY 01 est $1,300,000 (Guaranteed loans) FY 99 $2,976,993; FY 00 est $3,200,000,000; and FY 01 est $3,700,000,000.

Range and Average of Financial Assistance: From $1,000 to $105,000; an average of $68,168 for new construction, and $48,692 for existing cost. Loans in high cost areas may be higher.

PROGAM ACCOMPLISHMENTS:

In fiscal year 1999, 15,797 new direct loans and 39,752 guaranteed loans were made.

REGULATIONS, GUIDELINES, AND LITERATURE:

7 CFR 1944.1-1944.50; Home Ownership, PA-977, no charge; 7 CFR Part 3550
"Direct Single Family Housing Loans and Grants," (approximate cost $5.70). For guaranteed loans, 1980-D "Subpart D -Rural Housing Loans," (App. cost $8.00).

INFORMATION CONTACTS:

Regional or Local Office: Consult your local telephone directory under United
States Department of Agriculture for Rural Development field office number. Or on

the internet at http://www.rurdev.usda.gov/recd_map.html.

Headquarters Office: Director, Single Family Housing Direct Loan Division or
Direct Single Family Housing Guaranteed Loan Division, Rural Housing Service
(RHS), Department of Agriculture, Washington, DC 20250. Telephone: (202) 720-
1474 (direct loans); (202) 720-1452 (guaranteed loans). Use the same number for
FTS.

Web Site Address: http://www.rurdev.usda.gov.

8(a) Business Development

FEDERAL AGENCY:

SMALL BUSINESS ADMINISTRATION

AUTHORIZATION:

Small Business Act of 1953, as amended, Section 8(a), 15 U.S.C. 634(b)(6),
636(j), 637(a) and (d); Public Laws 95-507 and 99-661, Section 1207; Public
Laws 100-656 and 101-37.

OBJECTIVES:

To foster business ownership by individuals who are both socially and economically disadvantaged; and to promote the competitive viability of such firms by providing business development assistance including, but not limited to, management and technical assistance, access to capital and other forms of financial assistance, business training and counseling, and access to sole source and limited competition Federal contract opportunities, to help the firms to achieve competitive viability.

TYPES OF ASSISTANCE:

Provision of Specialized Services.

USES AND USE RESTRICTIONS:

This program utilizes authority provided to SBA under Section 7(j) and 8(a) of the Small Business Act to enter into procurement contracts with other Federal agencies and to subcontract the performance of these contracts to eligible program participants, and to provide access to capital and other forms of
financial assistance, and to provide business training and counseling.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Firms applying for 8(a) program participation must meet certain requirements which include, but are not limited to: (a) Status as a small business; (b) at least 51 percent unconditional ownership, control and management of the business by an American citizen(s) determined by SBA to be socially and economically disadvantaged, or by an economically disadvantaged Indian Tribe, Alaska Native Corporation, or Native Hawaiian Organization; and
(c) demonstrated potential for success. Absent evidence to the contrary, the following individuals are presumed to be socially disadvantaged: African Americans, Hispanic Americans, Native Americans, Asian Pacific Americans and Subcontinent Asian Americans. Individuals who are not members of the named groups may establish their social disadvantage on the basis of a preponderance of evidence of personal disadvantage stemming from color, national origin, gender, physical handicap, long- term residence in an environment isolated from the American society, or other similar cause beyond the individual's control. Economic disadvantage must be demonstrated on a case-by-case basis.

Beneficiary Eligibility: Socially and economically disadvantaged individuals and businesses owned and operated by such individuals; economically disadvantaged Indian tribes including Alaskan Native Corporations and economically disadvantaged Native Hawaiian organizations.

Credentials/Documentation: Documentation to establish that all program eligibility criteria are met.

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: None. This program is excluded from coverage under E.O. 12372.

Application Procedure: Written application to SBA offices listed in Appendix IV of the Catalog, Division of Program Certification and Eligibility. Application forms, detailed instructions, and if necessary, assistance in completing application is available at SBA District offices and on SBA's home page at http://www.sba.gov.

Award Procedure: Applicant is notified of program participation approval or decline by a letter from the SBA headquarters office. Broad range of business development assistance, including procurement, and access to capital and other forms of financial assistance and business training and counseling is provided to approved program participants.

Deadlines: Applications for program participation are accepted on an ongoing basis.

Range of Approval/Disapproval Time: Approximately 90 days.

Appeals: Within 45 days of the date of decline letter, applicant has right to request that the decision be reconsidered. For applications declined solely on the basis of negative finding with regard to social disadvantage, economic disadvantaged ownership or control of business by socially or economically disadvantaged individuals, the applicant within 45 days of the date of the decline letter or reaffirmation of decline, has a right to appeal the decision to the SBA's Office of Hearing and Appeals.

Renewals: Not applicable.

ASSISTANCE CONSIDERATIONS:

Formula and Matching Requirements: Not applicable.

Length and Time Phasing of Assistance: Maximum of 9 years.

POST ASSISTANCE REQUIREMENTS:

Reports: Annual business financial statements; annual business plan update; annual personal financial statements for each disadvantaged owner; annual certification of continuing compliance with program eligibility criteria; records of all payments, compensation and distributions made by the participant firm to each of its owners or to any person or entity affiliated with such owners; and other reports deemed necessary by SBA.

Audits: Program participation audits as needed to evaluate progress. Contract audits as and when required by Federal Acquisition Regulations.

Records: Standard business/accounting records.

FINANCIAL INFORMATION:

Account Identification: 73-0100-0-1-376.

Obligations: (Salaries and Expenses) FY 99 $4,583,000; FY 00 est
$4,077,000; and FY 01 est $4,563,000.

Range and Average of Financial Assistance: Not applicable.

PROGAM ACCOMPLISHMENTS:

In fiscal year 1999, 32,091 contract actions valued at approximately $6.59 billion were awarded to companies participating in the program.

REGULATIONS, GUIDELINES, AND LITERATURE:

SBA Rules and Regulations, 13 CFR Section 124, SOP 80-05-02.

INFORMATION CONTACTS:

Regional or Local Office: Initial contact should be made with the field offices
Locate your local SBA office.

Headquarters Office: Associate Administrator for 8(a) Business Development, Small Business Administration, 409 Third Street, SW., Washington, DC 20416. Telephone: (202) 205-6421. Use the same number for FTS.

Web Site Address: http://www.sba.gov.

Minority Business Development

FEDERAL AGENCY:

MINORITY BUSINESS DEVELOPMENT AGENCY, DEPARTMENT OF COMMERCE

AUTHORIZATION:

Executive Order 11625, October 13, 1971; Department of Commerce
Appropriation Act, Public Law 105-277.

OBJECTIVES:

The resource development activity provides for the indirect business assistance programs conducted by MBDA. These programs encourage minority business development by identifying and developing private markets and capital sources; expanding business information and business services through trade associations; promoting and supporting the mobilization of resources of Federal agencies and State and local governments at the local level; and assisting minorities in entering new and growing markets.

TYPES OF ASSISTANCE:

Project Grants.

USES AND USE RESTRICTIONS:

Funds will be used in support of the MBDA policy statement on funding business development programs. MBDA is charged under Executive Order 11625 with fostering new minority business enterprises and maintaining and strengthening existing firms to increase their opportunities to participate and receive the

benefits of our economic system. MBDA uses a portion of its program funds to award contracts, grants, and cooperative agreements to public and private sector entities which have the greatest potential for developing access to capital, market, and other opportunities on behalf of minority business. The performance of each funded recipient is evaluated on a scheduled basis. Renewals are based on Agency priorities and performance of recipients.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Applicants for this program are established businesses, professional organizations, individuals, trade associations and chambers of commerce.

Beneficiary Eligibility: Beneficiaries of this program are minority business persons/firms.

Credentials/Documentation: Costs will be determined in accordance with OMB Circular No. A-87 for awards to State, local and Federally Recognized Indian Tribal Governments; OMB Circular No. A-122 for other recipients.

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: A preapplication conference may be scheduled for resource development projects. Conferences will be announced in the Federal Register. This program is excluded from coverage under E.O. 12372.

Application Procedure: The standard application forms as furnished by the Department of Commerce must be used for this program. Recipients are subject to the administrative requirements contained in 15 CFR Part 14.

Award Procedure: The application package will advise the applicant where to submit the application. Each application will be reviewed and evaluated by MBDA. Name checks, verification of academic credentials and pre-award audits may be required from applicants.

Deadlines: Deadlines for formal competitive awards are outlined in the Federal
Register and/or the Commerce Business Daily.

Range of Approval/Disapproval Time: From 4 to 6 months. Successful and unsuccessful applicants shall be notified in writing at the same time.

Appeals: All decisions are final. There are no administrative appeals. Renewals: Business development awards may be renewed after the successful completion of the initial competitive project award, at the discretion of the agency for two additional years without undergoing formal competition for participating in this program, subject to the availability of funds and the satisfactory performance of the recipient.

ASSISTANCE CONSIDERATIONS:

Formula and Matching Requirements: Projects may be required to provide the minimum 15 percent of cost-sharing in the form of in-kind contributions and cash.

Length and Time Phasing of Assistance: For 1 to 3 years depending on the requirements of the projects.

POST ASSISTANCE REQUIREMENTS:

Reports: Financial (quarterly and annually), narrative (quarterly and annually);
statistical reports are required.

Audits: In accordance with the provisions of OMB Circular No. A-133 (June 30, l997), Audits to States, Local Governments and Non-Profit Organizations shall be subject to the audit requirements contained in the Single Audit Act Amendments of l996 (31 U.S.C. 7501-7507). Commercial organizations shall be subject to the audit requirements as stipulated in the award document.

Records: Documents, papers and financial records of grantees or subrecipients relating to the award are required to remain available to the Federal Government for 3 years from the date of submission of the final financial status report.

FINANCIAL INFORMATION:

Account Identification: 13-0201-0-1-376.

Obligations: (Cooperative Agreements/Contracts) FY 99 $1,856,600; FY 00
est $1,150,000; and FY 01 est $1,150,000.

Range and Average of Financial Assistance: $5,000 to $550,000; $101,664.

PROGAM ACCOMPLISHMENTS:

In fiscal year 1999, MBDA began implementing a program that will allow the agency to deliver program services through line telecommunications. This vehicle will enable the agency to provide management and technical assistance to business owners who lack access to an MBDC. MBDA has a home page on the World Wide Web through which it will disseminate business information.

REGULATIONS, GUIDELINES, AND LITERATURE:

There are no applicable regulations in the Code of Federal Regulations (CFR).

INFORMATION CONTACTS:

Regional or Local Office: Contact the nearest Minority Business Development
Agency Regional Office.

Headquarters Office: Robert B. Hooks III, Chief, Office of Program Support Services, Room 5083, Minority Business Development Agency, Department of Commerce, 14th and Constitution Avenue, NW., Washington, DC 20230. Telephone: (202) 482-6046. Use the same number for FTS.

Web Site Address: http://www.mbda.gov.

EXAMPLES OF FUNDED PROJECTS:

In FY 1999, MBDA uses a variety of delivery mechanisms to deliver services, including the Minority Business Opportunity Committees (MBOCs). MBOC is a program strategy, that is designed to partner MBDA resources with Federal, State, local and quasi governmental entities to create and stimulate business economic opportunities for minority entrepreneurs. As an example of this approach, the Los Angeles MBOC's strategic outreach efforts can account for
$1.1 billion in minority contracting, over 21,000 new jobs and will pave the way for future competitive efforts to stimulate growth in a challenged economy.

CRITERIA FOR SELECTING PROPOSALS:

Competitive awards for resource development program are made based on a panel evaluation of the applications. This evaluation includes such factors as capability and experience of staff assigned to the project; techniques and methodology resources and costs.

(Regular Business Loans_7(a) Loans)

FEDERAL AGENCY:

SMALL BUSINESS ADMINISTRATION

AUTHORIZATION:

Small Business Act of 1953, Section 7(a), as amended, Public Law 97-35.

OBJECTIVES:

To provide guaranteed loans to small businesses which are unable to obtain financing in the private credit marketplace, but can demonstrate an ability to repay loans granted. Guaranteed loans are made available to low-income business owners or businesses located in areas of high unemployment, nonprofit sheltered workshops and other similar organizations which produce goods or services; to small businesses being established, acquired or owned by handicapped individuals; and enable small businesses to manufacture, design, market, install, or service specific energy measures. The SBA's 7(a) lending authority includes: 1) the Low Documentation Loan Program (Low Doc); 2) the Cap Line Program; 3) FA$ TRAK Program, formerly the Small Loan Express; 4) the Women's Prequalification Program; and 5) Minority Prequalification Program.

TYPES OF ASSISTANCE:

Guaranteed/Insured Loans.

USES AND USE RESTRICTIONS:

To construct, expand, or convert facilities; to purchase building equipment or materials; and for working capital. Excludes gambling establishments, nonprofit enterprises, speculators in property, lending or investment enterprises, and financing of real property held for investment; also excludes funds to indiscriminately relocate the business. Funds must not otherwise be available on reasonable terms, nor used to pay off a loan to an unsecured creditor who is in a position to sustain loss.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: A small business is eligible, which is independently owned and operated and not dominant in its field. Generally, SBA size standards for manufacturers range from 500 to 1,500 employees, depending on the industry; for wholesalers up to 500 employees is allowed, retailers and service concerns having revenues of $3,500,000 and in certain cases up to $21,500,000, may be considered small; and depending upon the type of industry, agricultural enterprises have size standards from $500,000 to $3,500,000 in annual receipts.

Beneficiary Eligibility: Small businesses, including those owned by low- income and handicapped individuals, or located in high unemployment areas.

Credentials/Documentation: Statement of personal history, personal financial statement, company financial statements, summary of collateral and a resume. Loan must be of such sound value or so secured as to reasonably assure repayment.

96

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: None. This program is excluded from coverage under E.O. 12372.

Application Procedure: Applications are filed by the participating lender in the field office serving the territory in which the applicant's business is located. Where the participating lender is in another territory, applications may be accepted and processed by the field office serving that territory, provided there is mutual agreement between the two field offices involved. (See listing of field offices in Appendix IV of the Catalog.)

Award Procedure: Applicant is notified by authorization letter from the District
SBA Office, or participating bank.

Deadlines: None.

Range of Approval/Disapproval Time: From 1 to 10 days from date of application acceptance, depending on type of loan and type of lender program.

Appeals: If a reconsideration is requested within 6 months after decline or withdrawal, no new application is required.

Renewals: Not applicable.

POST ASSISTANCE REQUIREMENTS:

Reports: Periodic financial statement.

Audits: When necessary, on a case-by-case basis.

Records: Adequate accounting system.

FINANCIAL INFORMATION:

Account Identification: 73-1154-0-1-376.

Obligations: (Loans) FY 99 $8,998,224,000 (Guarantee); FY 00 est
$10,000,000,000 (Guarantee); and FY 01 est $9,000,000,000 (Guarantee).

Range and Average of Financial Assistance: Guarantee Loans: Up to
$500,000; $226,521.

PROGAM ACCOMPLISHMENTS:

In fiscal year 1999, 38,974 loans were Guaranteed for $9,000,000,000.

REGULATIONS, GUIDELINES, AND LITERATURE:

"SBA Business Loans from the SBA," OPC-6.

INFORMATION CONTACTS:

Regional or Local Office: Initial contact should be with the District Offices
Locate your local SBA office.

Headquarters Office: Director, Loan Policy and Procedures Branch, Small Business Administration, 409 Third Street, SW., Washington, DC 20416. Telephone: (202) 205-6570. Use the same number for FTS.

Web Site Address: http://www.sba.gov.

Community Facilities Loans and Grants

recovery and distribution centers; assisted-living facilities; group homes, mental health clinics, and shelters; and education facilities. Projects comprise, community, social, cultural, transportation, industrial park sites, and fire and rescue services, access ways, and utility extensions. All facilities financed in whole or in part with RHS funds shall be for public use.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: City, county, and State agencies; political and quasi- political subdivisions of States and associations, including corporations, Indian tribes on Federal and State reservations and other federally recognized Indian tribes; and existing private corporations which: (1) are operated on a not-for- profit basis; (2) have or will have the legal authority necessary for constructing, operating, and maintaining the proposed facility or service and for obtaining, giving security for, and repaying the loan; and (3) are unable to finance the proposed project from its own resources or through commercial credit at reasonable rates and terms. Assistance is authorized for eligible applicants in rural areas of the States, Puerto Rico, the Virgin Islands, Guam, American Samoa, the commonwealth of the Northern Mariana Islands, the Marshall Islands, the Republic of Palaw, and the Federated States of Micronesia.

Beneficiary Eligibility: Farmers, ranchers, rural residents, rural businesses, and other users of such public facilities in eligible applicant areas as set out above.

Credentials/Documentation: Evidence of legal capacity and financial responsibility of the applicants and the economic feasibility of the project relative to the activity for which assistance is requested. This program is excluded from coverage under OMB Circular No. A-87.

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: The standard application forms as provided by the Federal agency and required by OMB Circular No. A-102 must be used for this program. An environmental assessment is required for this program. This program is eligible for coverage under E.O. 12372, "Intergovernmental Review of Federal Programs." An applicant should consult the office or official designated as the single point of contact in his or her State for more information on the process the State requires in applying for assistance if the State has selected the project for review.

Application Procedure: Preapplication Form SF-424 is filed at the local Rural Development district office from which assistance may be obtained. This program is subject to the provisions of OMB Circular No. A-110.

Award Procedure: After the preapplication has been reviewed by the Rural Development District Director, it is forwarded to the Rural Development State Office for review and processing instructions. Following review by the State Office, the applicant is notified about eligibility, availability of funds, and if an application should be filed. Upon completion of application processing requirements and approval by the State Office, funds are made available to the Rural Development district office for delivery.

Deadlines: None.

Range of Approval/Disapproval Time: From 30 to 90 days.

Appeals: If an application is rejected, the reasons for rejection are fully stated. The applicant may request a review of the decision from the next higher management level of Rural Development.

Renewals: Not applicable.

STANCE CONSIDERATIONS:

Formula and Matching Requirements: Matching funds are not required but may be used in connection with the funds provided from the applicant or other sources. Funds are allocated to States based upon rural population and number of households below the poverty level. The statistical factor for eligibility is towns or incorporated areas under 20,000 population for direct and guaranteed loans and 20,000 population for grants. The source is "Latest Decennial Census." This program has no statutory formula.

Length and Time Phasing of Assistance: A time limitation is not specified for the use of RHS loan or grant funds. Funds will be awarded when all RHS requirements are met and the project can be completed on a timely basis. Funds may be advanced on an as needed basis by RHS to cover expenses for a 30-day period.

POST ASSISTANCE REQUIREMENTS:

Reports: Periodic reports are made to RHS. Each borrower will monitor and report to RHS on actual performance during the construction of each project financed, or to be financed, in whole or in part with RHS loan funds.

Audits: Periodic audits should be made as part of the recipient's system of financial management and internal control to meet terms and conditions of loans and other agreements. In accordance with the provisions of 7 CFR Part
3052, "Audits of States, Local Governments, and Non-Profit Organizations," which implement OMB Circular No. A-133 (Revised, June 24, 1997), "Audits of States, Local Governments, and Non- Profit Organizations," nonfederal
entities that receive financial assistance of $300,000 or more in Federal awards will have a single or a program-specific audit conducted for that year. Nonfederal entities that expend less than $300,000 a year in Federal awards are exempt from Federal audit requirements for that year, except as noted in 7
CFR 3052.

Records: The borrower must maintain adequate records and accounts of the operation of the facility developed.

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