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Understanding the State Small Business Credit Initiative

What Is It?

On September 27, 2010, President Obama signed into law the Small Business Jobs Act, creating the State Small Business Credit Initiative (SSBCI) and bolstering state programs that support small-business lending with a $1.5 billion federal grant.

The State Small Business Credit Initiative is expected to help spur up to $15 billion in lending to small businesses over the course of 10 years, as participating states use the federal funds for programs that leverage private lending to help finance new small businesses and creditworthy manufacturers.

The SSBCI will allow states to build on successful models for state small-business programs, including collateral support programs, Capital Access Programs (CAPs) and loan guarantee programs.

How Long Will It Last?

The SSBCI is a one-time program of limited duration. The authorities and duties of the Secretary of Treasury to implement and administer the program terminate on September 27, 2017. The obligations of participating states and territories to perform and report on progress will expire as outlined in the terms of the Allocation Agreement.

Allocation Agreements between the Treasury and the participating states, territories, and municipalities will expire on March 31, 2017. The total funds available varies by state and municipality. For ease of reference, the SSBCI website includes the maximum amounts allocated to each participating state, territory and municipality.

Are SSBCI Funds Considered Federal Assistance?

No. Section 3003(c)(5) of the Act specifically states that funds transferred to states, territories, and eligible municipalities under the SSBCI program are not considered federal assistance. Because SSBCI funds are not considered federal assistance or a grant, many federal assistance or federal grant reporting requirements do not apply.

Click here to get an overview of SSBCI for lenders. The Office of the Comptroller of the Currency (OCC) created a dedicated page on its website with an overview of the program and FAQ.

Author:

Marshall Walker Lee graduated Summa Cum Laude from the University of Michigan's Honors College with degrees in Writing and Philosophy. As a freelance writer and designer he has developed branding strategies and programming for J. Walter Thompson, Nike, the Kellogg Foundation, Spike TV, Sony Films, and General Motors. He is the co-founder and director of Poor Claudia, a 501(c)3 non-profit publishing enterprise based in Portland, Oregon.