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 SBLFInstitutions@treasury.gov

a Treasury 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. 

Treasury Department Form: TD F 102.1A (revised 05/09/2011) OMB Number: 1505-0228
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: ________________________________________________________________ 

City: _________________________ State: ______________________ Zip Code: ____________

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 ___ No

 If yes, specify holding company regulator: ___ Federal Reserve ___ OTS

Signature of Authorized Official: _____________________________________________ 

Name of Authorized Official: ________________________________________________ 

Title of Authorized Official: _________________________________________________ 

Date: __________________________________ 

Treasury Department Form: TD F 102.1A (revised 05/09/2011) 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

Treasury Department Form: TD F 102.1A (revised 05/09/2011) OMB Number: 1505-0228
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.

Treasury Department Form: TD F 102.1A (revised 05/09/2011) OMB Number: 1505-0228
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 Applicants should provide their lending plans to the appropriate regional Federal Reserve Bank using existing

Reserve procedures for filing application-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 plans.sblf@banking.alabama.gov

Alaska katrina.mitchell@alaska.gov 

Arizona sblprogram@azdfi.gov 

Arkansas asbd@banking.state.ar.us

California scameron@dfi.ca.gov

Colorado banking.treasuryapps@dora.state.co.us

Connecticut ctdob.treasury@ct.gov

Delaware robert.glen@state.de.us

District of Columbia christopher.weaver@dc.gov

Florida florida.sblp@flofr.com

Georgia dbfcorp@dbf.state.ga.us 

Guam jpcamacho@revtax.gov.gu

Hawaii dfi@dcca.hawaii.gov 

Idaho mary.hughes@finance.idaho.gov 

Illinois idfpr.banksandtrustapps@illinois.gov

Indiana jcooper@dfi.in.gov

Iowa smallbusiness@idob.state.ia.us

Kansas smallbusinesslendingapplication@

 osbckansas.org

Kentucky kathy.stewart@ky.gov

Louisiana laofisblp@ofi.la.gov

Maine robert.b.studley@maine.gov

Maryland tlouro@dllr.state.md.us

Massachusetts alexis.leahy@massmail.state.ma.us

Michigan deleg-bizfundappsmi@michigan.gov

Minnesota maryjo.wall@state.mn.us

Mississippi inbox@dbcf.ms.gov 

Missouri debra.hardman@dof.mo.gov

Montana banking@mt.gov

Nebraska ray.pont@nebraska.gov 

Nevada sblp@fid.state.nv.us

New Hampshire twells@banking.state.nh.us

New Jersey smallbuslp1@dobi.state.nj.us

New Mexico william.verant@state.nm.us

New York yolanda.ford@banking.state.ny.us

North Carolina jfye@nccob.gov

North Dakota dfi@nd.gov 

Ohio kevin.allard@dfi.com.state.oh.us

Oklahoma crg1@onenet.net 

Oregon ustreasury.sblpapps@state.or.us

Pennsylvania ra-ustreasuryprog@state.pa.us 

Rhode Island sblf@dbr.ri.gov

South Carolina renee.dzek@banking.sc.gov 

South Dakota roger.novotny@state.sd.us

Tennessee tdfi.smallbiz@tn.gov

Texas dennis.lebo@dob.texas.gov

Utah dfi@utah.gov

Vermont tom.candon@state.vt.us 

Virginia business.plan@scc.virginia.gov

Washington banks@dfi.wa.gov 

West Virginia smbuslendpro@wvdob.org

Wisconsin dfidob-sblp@wisconsin.gov

Wyoming lendingapps@wyaudit.state.wy.us

Banks in the following territories should contact their appropriate regulator directly for submission instructions: 

American Samoa, Puerto Rico, and the Virgin Islands. 

Treasury Department Form: TD F 102.1A (revised 05/09/2011) OMB Number: 1505-0228