FINANCING OPTIONS: Summary Chart of the Special Loan Programs

Following is a Summary Chart of the Special Loan Programs which
fall under the 7(A) umbrella. If the term "Standard" is used, it
means the criteria for these programs are no different than for 
the basic 7(a) program which has been described above.

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  PROGRAM     MATURITY  ELIGIBILITY          SPECIAL FEATURES
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  Pollution   Standard  Standard plus loan   SBA share up to
  Control               proceeds available   $1,000,000 
                        for a pollution 
                        control facility.

  Energy      Standard  Standard plus loan   Program for the
  Conserva-             proceeds available   provider, not
  tion                  for energy conser-   the end user.
                        vation measures.  

  Defense     Standard  Standard plus to     Total Loan
  Economic              assist businesses'   limit of
  Transition            transition from      $1,250,000 
  Assistance            defense to civilian 
  (DELTA)               work, or help those 
                        adversely impacted 
                        by base closures or 
                        defense cutbacks.

  U.S. Com-   Standard  Standard plus        Guaranty Fee paid
  munity Ad-            limited to busi-     by the SBA, not
  justment and          nesses negatively    lender and borrower.
  Investment            impacted by the      Urban applications
  Program               North American Free  processed by SBA.
  (CAIP)                Trade Agreement      Rural applications
                        (NAFTA) who create   processed by USDA.
                        or preserve jobs.


  Qualified   Standard  Standard plus pro-   Applicants must
  Employee              ceeds to permit the  comply with either
  Trust or              employees to buy     U.S. Treasury ESOP
  Stock                 the employer         or Dept. of Labor
  Ownership             concern.             ERISA rules.
  Program

  Interna-    Standard  Standard plus busi-  SBA share up to
  tional                ness negatively      $1,000,000,
  Trade                 impacted by import-  unless combined
                        ing or involved      with EWCP, then
                        with exporting. A    up to $1,250,000.
                        program to get 
                        fixed assets for
                        export production.   

  Export      Up to 36  Standard plus pro-   Proceeds from the
  Revolving   months    ceeds used to        completion of the
  Line of               finance export       export transaction
  Credit                transaction(s).      will collateralize
  (EWCP)                                     the loan.

  Seasonal    Up to 60  Standard plus pro-   30 day clean up
  CAPLines    months    ceeds to finance     (zero balance)
                        the short term sea-  requirement.
                        sonal working 
                        capital needs of 
                        borrower

  Contract  Up to 60    Standard plus pro-   Contract must be
  CAPLines  months      ceeds used to fin-   assignable. Can
                        ance the direct      revolve for mul-
                        labor and material   tiple contracts
                        cost needed to per-  and/or large
                        form on contract(s)  dollar contract
                                             financing.

  Builders  Up to 60    Standard plus lim-   Used for either
  CAPLInes  months      ited to contractors  new construction
                        engaged in the       or rehabilitation
                        building trades. De- of existing struc-
                        signed for specula-  ture.
                        tion. Must be sold 
                        to third party. 

  Standard Up to 60     Standard plus not    Lending against
  Asset-   months       applicable to start  existing inventory
  Based                 up firms. Funds      and receivables.
  CAPLines              collected from re-   Monitoring and
                        ceivable payment     examination
                        must be used to pay  requirements on
                        down loan.           lender.

  Small    Up to 60     Simplified version   Lending against
  Asset-   months       of Standard Asset    existing inventory
  Based                 Based. Recipients    and receivables.
  CAPLines              must show standard   No monitoring and
                        repayment. Funds     examination re-
                        collected from re-   quirements on
                        ceivable payment     lender.
                        must be used to pay
                        down loan.