Pennsylvania DBE Supportive Services Center - A shared initiative of Cheyney University and the PA Department of Transportation.

The Blair County Airport Authority has established a revised overall DBE goal for FFY 2012...

Information on Uniform Audit and Accounting Guide 2010

PA DBE University Webinar Presented By Harken-Reidar, Inc. Bentley Systems Webinar

United Bank Loan Application for Short Term Lending Program

Forms for Short Term Lending Program

Information for Short Term Lending Program

Short Term Lending Program Documents for DBEs and Other Small Business

Revised Application for Short Term Lending Program

United Bank Personal Financial Statement Form

Future Projects - 2011 PennDOT Engineering District 4

BROADLANDS FINANCIAL GROUP, LLC The Intersection of Construction Knowledge and Financial Strength -Presented by: Bryan Forlay Executive Vice President 610-660-5120 bfortay@broadlandsfinancial.com

Fraulent DOT Letters requesting Financial Information Fraulent DOT Letters requesting Financial Information

The working capitol loan program is only available to business based in Allegheny County

Uses: Machinery and Equipment; Land and Building Funding: $1,000,000 min, $10,000,000 max; Loans may not exceed 75% of project cost; Building acquisition/remodeling loans limited to 75% of appraised value. Eligibility: PA manufacturing, industrial and distribution operations, and select business services. Terms: 1 full-time job must be created for each $40,000 borrowed; Machinery and Equipment: 5 years; fully amortized; Building acquisition/remodel: 5 years; amortized on a 10-year schedule; 5.5% APR.

This is the link to the US DOT STLP webpage.

The STLP provides revolving lines of credit to finance accounts receivable arising from transportation-related contracts. The primary collateral consists of the proceeds of the contracts. Borrowing under the lines of credit are to meet the short-term costs of performing the contract(s) being financed. Start up businesses are not eligible to apply for the STLP. It is recommended that a business have at least a three year past performance history before applying to the program. Start up businesses are advised to apply to the Small Business Administration for financing. Transportation-Related Contract A transportation-related contract is defined as a contract for the maintenance

9 PA Department of Economic Community Development Loan Programs all relevent links are included in the PDF.

Uses: Land, building, equipment, working capital Funding: Guaranteed loans up to $500,000 Eligibility: Loan guarantee through participating banks for all businesses with capital needs Terms: Rates and terms negotiated with participating bank; Program provides guarantee for bank loan; Term loan or line of credit; Refer to the Program Brochure

Uses: Land, building, equipment, working capital Funding: Guaranteed loans up to $500,000 Eligibility: Loan guarantee through participating banks for all businesses with capital needs Terms: Rates and terms negotiated with participating bank; Program provides guarantee for bank loan; Term loan or line of credit; Refer to the Program Brochure

Uses: Land and building acquisition; Building, construction and renovation; Machinery and equipment acquisition and installation; Working capital Funding: Manufacturing, industries, high-tech, international trade or franchise companies: Loans up to $500,000 (within Enterprise Zone, $750,000) or 75% of total eligible project costs, whichever is lessRetail or commercial firms: Loans up to $250,000 (within Enterprise Zone, $350,000) or 75% of total eligible project costs, whichever is less

Uses: Land and building acquisition; Building, construction and renovation; Machinery and equipment acquisition and installation; Working capital Funding: Manufacturing, industries, high-tech, international trade or franchise companies: Loans up to $500,000 (within Enterprise Zone, $750,000) or 75% of total eligible project costs, whichever is lessRetail or commercial firms: Loans up to $250,000 (within Enterprise Zone, $350,000) or 75% of total eligible project costs, whichever is less

Uses:Land and building acquisition; Building, construction and renovation; Machinery and equipment acquisition and installation; Working capital Funding: Manufacturing, industries, high-tech, international trade or franchise companies: Loans up to $500,000 (within Enterprise Zone, $750,000) or 75% of total eligible project costs, whichever is lessRetail or commercial firms: Loans up to $250,000 (within Enterprise Zone, $350,000) or 75% of total eligible project costs, whichever is less Eligibility: Businesses owned and operated by ethnic minorities The Pennsyl vania Minority Business Devel op ment Authority (PMBDA) Program is designed to stimu late the creation, reten tion and expan sion of minority owned businesses and to create jobs in Pennsyl vania. PMBDA provides low-interest loans to finance a portion of the costs of land, building, machinery and equip ment, and working capital to minority business enter prises unable to fully finance these projects with equity, bank financing, or other private and public sources. Uses: renovation; Machinery and equipment acquisition and installation; Working capital

The Com mu nity Eco nomic De vel op ment (CED) loan pro gram pro vides loans for small busi ness en ter prises lo cated in des ig nated dis tressed ar eas iden ti fied in Ap pen dix IV to these guide lines. The pur pose of the pro gram is to as sist busi nesses that will en hance the eco nomic well-be ing of a com mu nity or neigh bor hood by pro vid ing prod ucts or ser vices to com mu ni ties pre vi ously un served or underserved, or through the em ploy ment of res i dents of the com mu nity. Loan funds are avail able for eligible small business enter prises at an interest rate of 2% with flexible repay ment terms that meet the needs of the business.

Installment loans, lines of credit and technical assistance for minority business enterprises, women-owned business enterprises and small businesses.

Low-interest loans for design, engineering and construction of publicly and privately owned drinking water distribution and treatment facilities, storm water conveyance and wastewater treatment and collection systems.

Low-interest loans for the design, engineering, right-of-way and repair, reconstruction and construction of public highways, bridges, public and private airports and railroads and public transportation systems.

The U.S. Department of Transportation (DOT), Office of the Secretary (OST), Office of Small and Disadvantaged Business Utilization (OSDBU) announced the availability of the Disadvantaged Business Enterprise (DBE) American Recovery and Reinvestment Act (ARRA) Bonding Assistance Reimbursable Fee program (BAP) on August 31, 2009. Pursuant to ARRA, DOT was appropriated a combined $48.1 billion in funding for the purpose of stimulating the economy, creating jobs and investing in the nation’s transportation infrastructure. ARRA also appropriated $20 million to the DOT for DBE bonding assistance.

The bonding assistance provided by the DBE ARRA BAP will allow DBEs with traditionally less working capital than large transportation-related contractors to perform on transportation infrastructure projects receiving ARRA funding from any DOT Operating Administration, such as Federal Highway Administration (FHWA), Federal Transit Administration (FTA), Federal Aviation Administration (FAA), Federal Railroad Administration (FRA), and the Maritime Administration (MARAD).

Basic information on Bonding

United Bank Presentation - July 2009

Minority and Women Labor Education Agency

US Small Business Association Forms

Pennsylvania Minority Business Development Center

The Pennsylvania Capital Access Program provides a loan guarantee to small businesses based on a portfolio concept. The Pennsylvania Economic Development Financing Authority (PEDFA) provides capital to guarantee loans made through participating lending institutions in conjunction with the program.

PennCAP is a small business loan guarantee program based upon a portfolio concept. Borrowers apply for PennCAP loans directly through participating banks. PennCAP is designed to help borrowers that don’t quite meet the bank’s normal small business lending requiremen