Microlenders look for sources of capital that are low to no costs (i.e. grants) so that they can lend to borrowers at a reasonable interest rate. Often, they have grant funding to subsidize the cost of their microloan programs, which may exceed the interest earned on these loan. These lenders draw on a varying mix of financing from federal, state, and local government agencies and private philanthropies. Examples government capital include: Small Business Administration, traditional banks under Community Reinvestment Act, Community Development Block Grants, USDA Rural Development, and the Economic Development Administration, to name a few. Each source of capital comes with guidelines and eligibility requirements.