Small Business Credit Programs Elements and Analyses

Congressional interest in small business access to capital has increased in recent years because of concerns that small businesses might be prevented from accessing sufficient capital to enable them to assist in the economic recovery. Small businesses, defined as having fewer than 500 employees, have played an important role in net job growth during previous economic recoveries, particularly in the construction, housing, and retail sectors. Several laws were enacted during the 111th Congress to enhance small business access to capital. This book examines the Small Business Lending Fund, and the State Small Business Credit Initiative.