SEDF's loan programs focus on providing capital for start-up businesses, businesses that have been in operation 0-6 months, businesses under 2 years in operation, not yet "bankable" businesses, and established businesses, operating for 2+ years, but facing new challenges.
SEDF offers loans in the following major lending areas:
- Working Capital - Funds to be used
for business operations.
Commercial or Mixed-Use Real Estate - Funds to be used to purchase, renovate, or build real estate projects.
Franchises - Funds to be used for the start-up or purchase of an existing franchise.
Contract Financing - Funds to be used for payroll or to purchase equipment or supplies needed to complete or partially complete a contract.
Construction Contractor Receivables - These loans provide accounts receivable financing for businesses that have contracts as Prime or Sub-Contractors with public sector agencies or with large, private, financially sound companies.
Cash Flow Restructuring - These loans, available to existing businesses only, help restructure debt to manageable levels that will provide the internal capacity to expand.
In addition to these loan products and services, SEDF also provides its customers with business technical assistance and counseling to help them remain successful. Investments by individuals, as well as institutions such as Calvert Foundation, provide lending capital to SEDF.