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WASHINGTON, D.C. – Today the Office of Advocacy released a study examining the type of credit utilized by small business. Bank Credit, Trade Credit or No Credit: Evidence from the Surveys of Small Business Finances, by Rebel A. Cole, compares firms that use credit (leveraged) with those that do not (unleveraged). The study also looks at which kind of credit leveraged firms use–bank credit (loans or lines of credit) trade credit (from suppliers) or both.

Loan Classifications and Overpayments on Secondary Market Loans

Report Number: 8-09

Date Issued: March 26, 2008

To: Grady Hedgespeth, Director Office of Financial Assistance

Jennifer Main, Chief Financial Officer

/s/ Original Signed

From: Debra S. Ritt, Assistant Inspector General for Auditing

Subject: Loan Classifications and Overpayments on Secondary Market Loans, Report No 8-09

Compliance Contacts

Contact the following individual(s) to get more information on complying with the Export-Import Bank regulations:

James Burrows
Vice President
Small Business Division
Export-Import Bank of the United States
Phone: 202-565-3801
james.burrows@exim.gov

Compliance Resources

The following agencies and offices provide compliance resources for small businesses:

Small Business, Big impact!

One thing is for sure, as a small business owner you are not alone! There are millions of small businesses across the United States traveling the same road as you each and every day. Although your business operates in its own unique fashion, the cumulative impact of the small business sector is enormous.

Small business is BIG!

  • The 28 million small businesses in America account for 54% of all U.S. sales.

  • Small businesses provide 55% of all jobs and 66% of all net new jobs since the 1970s.

February 3, 2009

BY ELECTRONIC MAIL

Ronald Medford, Acting Deputy Administrator
National Highway Traffic Safety Administration
U.S. Department of Transportation
1200 New Jersey Avenue, SE
West Building
Washington, DC 20590|
Electronic Address: www.regulations.gov (Docket ID-NHTSA-2008-0169)

Re: Comments on NHTSA’S Proposed Early Warning Reporting Regulations

Dear Acting Deputy Administrator Medford:

The following is a newsletter from the Office of Advocacy for August/September 2009. The key topics discussed in the newsletter are:

  • The Small Business Economy Published

  • Advocacy Interns Expand Summer Staff

  • Special Insert: Small Business FAQ

Message from the Acting Chief Counsel

  • Advocacy Focuses on Finance

Regulatory News

  • Advocacy Works with Department of Education

WASHINGTON, D.C. – Entrepreneurial activity in one U.S. county or state often reflects similar activity in neighboring jurisdictions, according to an analysis of geographic and other patterns in new business formation across the United States. The study, New Business Clustering in U.S. Counties, 1990-2006, by Larry A. Plummer, sheds light on business activity related to levels of education, industry, economic growth patterns, and geography. The report uses 1990-2006 business startup and closure data from the Census Bureau’s Statistics of U.S. Businesses.

The following charges are in effect for SBA's participation in the bond guarantee program:

  • SBA charges the small business .729% of the contract price for a final bond (payment/performance bond). There is no charge for a bid bond.

  • SBA charges the surety company 26% of the fee charged by the surety company to the small business.

WITHDRAWAL OF DISASTER LOAN
APPLICATIONS TO INDIVIDUALS AND
BUSINESSES IMPACTED BY THE GULF
COAST HURRICANES

Report Number: 08-11

Date Issued: March 28, 2008

Prepared by the
Office of Inspector General
U.S. Small Business Administration

U.S. Small Business Administration Office Inspector General
Memorandum
Date: March 28, 2008

To: Herbert L. Mitchell, Associate Administrator Office of Disaster Assistance
From: Debra S. Ritt Assistant Inspector General for Auditing

Pages

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