Credit Support Programs for Lenders
Reducing Lending Risk While Expanding Access to Capital
VSBFA credit support programs help small businesses access financing by reducing risk for lenders when additional assurance is needed to approve a loan request. These programs can strengthen eligible lines of credit and term loans, helping businesses secure funding for growth, equipment, working capital, expansion, and more.
By helping bridge financing gaps and share lending risk, VSBFA programs encourage increased lending opportunities for Virginia small businesses while supporting job creation and economic growth across the Commonwealth.
Explore Our Lender Programs:
Classic Loan Guaranty Program
This is a traditional deficiency guaranty of a bank loan. It can be used for lines of credit or term loans any time the bank believes it needs additional support in order to approve a business loan request.
See Forms & Requirements
Loan to Community Development Financial Institutions (CDFIs)
This program allows eligible CDFIs to expand their lending to eligible small businesses and non‑profits with funding from SSBCI 2.0 and VSBFA.
See Forms & Requirements
Cash Collateral Program
This SSBCI 2.0 program establishes pledged cash collateral accounts with participating lenders to enhance the loan collateral coverage for eligible small business borrowers having difficulty getting approved for loans due to a shortfall.
See Forms & Requirements
Lender Program Documents and Resources:
Please review all Classic Loan Guaranty Program documents carefully before applying to ensure you understand eligibility requirements, application materials, and program guidelines. If you have questions or need assistance determining whether this program is the right fit for your needs, please contact VSBFA for guidance.
600 East Broad Street, Suite 300, Richmond, VA 23219
Empowering small, women, and minority-owned businesses.