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Small Business Administration: Additional Guidance on Documenting Credit Elsewhere Decisions Could Improve 7(a) Program Oversight
Small Business Administration: Additional Guidance

 
Our Price: $25.00
By William B. Shear (au)
Year: 2009
Pages: 42
Binding Paperback

Product Code: 1437915043

Description
 
The Small Business Administration's (SBA) 7(a) program is intended to provide loan guarantees to small business borrowers who cannot obtain conventional credit at reasonable terms and do not have the personal resources to provide financing themselves. In FY 2008, SBA guaranteed over 69,000 loans valued at about $13 billion. This report: (1) describes SBA's criteria and lenders' practices for determining that borrowers cannot obtain credit elsewhere; and (2) examines SBA's efforts to ensure that lenders are complying with the credit elsewhere provision. To meet these objectives, the auditor visited 18 lenders and reviewed 238 of their loan files, and reviewed 97 lender review reports. Includes recommendations. Charts and tables.

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