Lending Plan

Small Business Lending Plan Guide
The U.S. Department of the Treasury intends that funding provided through the Small Business Lending Fund be used to
support small business lending in a manner consistent with safe and sound operations. Each institution applying to participate
in the Fund must submit a small business lending plan to its appropriate federal banking agency, and, if state chartered, its
appropriate state banking regulator.
Your institution should send its lending plan to its appropriate regulator(s) using the directions listed on the attached
contact information page. Your institution should submit its lending plan to its regulator(s) at the same time it submits its
Small Business Lending Fund application to Treasury. The lending plan should not be sent to Treasury.
Lending plans will be deemed confidential supervisory information (per P.L. 111-247, section 4103(d)(1)(E)). Individual bank
lending plans will not be disclosed. Information contained in the lending plan will be used only in the context of the Small
Business Lending Fund. The lending plan will not substitute for any other supervisory request for information or required filing.
An institution’s performance will be measured through the dividend or interest rate it pays for funding from the Small Business
Lending Fund. Dividend or interest rate adjustments will be determined by each bank’s percentage increase in qualified small
business lending over its “baseline” level rather than on information provided in the lending plan.
For general questions, please call the Small Business Lending Fund information line at 888-832-1147 (Monday-Friday,
9:00 AM-7:00 PM ET). For communications pertaining to a specific institution, please email [email protected],
a confidential email address.
How to Complete a Small Business Lending Plan
The lending plan should:
1. Address the Needs of Small Businesses
The lending plan should describe how your institution intends to use funding from the Small Business Lending Fund to
address the needs of small businesses in the communities it serves. Your institution should provide a description of the
basis for its lending goals and how it intends to achieve these goals.
The lending plan should explain why the projected increase in small business lending is reasonable in the context of the
size of your institution and the market it serves. To the extent practicable, please include a description of the types of
loans anticipated and customers served.
2. Specify the Projected Increase in Small Business Lending
The lending plan should include the increase in qualified small business lending (as defined in the Fund’s summary of
terms) that your institution expects to achieve two years after the investment. It is acceptable to provide a
projected range.
While this projection should be based upon your institution’s estimate of qualified small business lending, your
institution does not need to formally calculate such lending at the time of application. Each bank will be required to
calculate such lending only as part of the closing process, after receiving preliminary approval for participation in the
Fund. Prior to closing, your institution will be asked to revalidate the projection provided in this lending plan on the
basis of its formal calculation of qualified small business lending.
The lending plan is not intended to be an official business plan in the sense of those submitted to your institution’s
primary federal regulator. As a result, Treasury does not require the submission of a pro forma income statement or
balance sheet.
3. Provide for Community Outreach
The Small Business Jobs Act of 2010 requires banks participating in the Small Business Lending Fund to provide
outreach and advertising describing the availability and application process for receiving small business loans.

Small Business Lending Plan Form
Name of Institution: _______________________________________________________
If the institution is a subsidiary of a bank holding company or of a savings and loan holding company, the holding company must apply.

FDIC Certificate Number, OTS Docket Number, or Federal Reserve RSSD Number: ___________________________
Address: ________________________________________________________________
Select State or Territory

City: _________________________ State: ______________________

Zipcode: ____________

Primary Contact Name: ____________________________________________________
Primary Contact Telephone: ________________________ Primary Contact Email: ____________________________
Primary Federal Regulator of Insured Depository:

___ FDIC

___ OCC

___ OTS

___ Federal Reserve

If there are multiple insured depository institutions, please note all of the applicable primary federal and state regulators.

Is the Applicant a Holding Company?

___ Yes

If yes, specify holding company regulator:

___ No
___ Federal Reserve

___ OTS

Signature of Authorized Official: _____________________________________________
Name of Authorized Official: ________________________________________________
Title of Authorized Official: _________________________________________________
Date: __________________________________

OMB Number: 1505-0228

1. Address the Needs of Small Businesses
Please describe how participation in the Small Business Lending Fund will enable your institution to better address the
needs of small businesses in the market it serves.

2. Specify the Projected Increase in Small Business Lending
Please estimate the dollar amount of the increase in qualified small business lending, as defined for purposes of the Small
Business Lending Fund, that your institution projects achieving two years following Treasury’s investment (projected ranges
are acceptable). $__________________ increase

3. Provide for Community Outreach
Please describe your bank’s approach to community outreach for small business lending.
As described in the Small Business Jobs Act of 2010, such outreach activities include the use of print, radio, television, or electronic media outlets that target
organizations, trade associations, and individuals that represent, work with, or are women, minorities, or veterans. Please describe plans to provide
linguistically and culturally appropriate outreach.

Federal Regulator Contact Information
Your institution should submit its lending plan to the appropriate federal regulator(s) using the following directions:
FDIC

State nonmember institutions should submit lending plans to their appropriate regional office or electronically
through FDICconnect.

Federal
Reserve

Applicants should provide their lending plans to the appropriate regional Federal Reserve Bank using existing
procedures for filing applications-related documentation. Contacts for each of the Federal Reserve Banks who
can provide additional information on the process for filing the lending plans are listed on the web at
http://www.federalreserve.gov/generalinfo/applications/afi/res_contacts.htm.

OCC

National banks should submit their small business lending plans electronically via OCC secure mail using the instructions
contained in the OCC Bulletin on the Small Business Lending Fund Program and Underwriting Standards. The OCC
Bulletin will be posted at http://www.occ.treas.gov/news-issuances/bulletins/2010/index-2010-bulletins.html.

OTS

Once you have submitted your application to Treasury, please contact your OTS Regional Office for instructions
on how to securely submit the required lending plan.

State/Territory Regulator Contact Information
State-chartered banks in the following states or territories should submit their small business lending plan by email to
the address listed:
Alabama
Alaska
Arizona
Arkansas
California
Connecticut
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Massachusetts
Michigan
Mississippi

[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
smallbusinesslendingapplication@
osbckansas.org
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]

Missouri
Nebraska
Nevada
New Hampshire
New Jersey
New York
North Carolina
North Dakota
Ohio
Oregon
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]

State-chartered banks in the following states or territories should contact their appropriate state regulator directly for
submission instructions: Colorado, Delaware, Maryland, Minnesota, Montana, New Mexico, Oklahoma, South Dakota,
Guam, and Puerto Rico.