# GOEO USBCI Page

**Type:** source
**Status:** Useful
**Confidence:** Medium
**Source Type:** Official Program Page
**URL:** https://business.utah.gov/usbci/
**Publisher:** Utah Governor's Office of Economic Opportunity
**Accessed:** 2026-05-09
**Updated:** 2026-05-09

## Summary

The GOEO Utah Small Business Credit Initiative page describes Utah's implementation of the federal State Small Business Credit Initiative. It presents USBCI as a lender-partner program that expands access to small-business capital through loan participation and capital-access structures.

## Useful Claims

- USBCI partners with local lenders; Utah small businesses apply through USBCI lending partners and economic development organizations.
- Loan approval involves program eligibility review and lender underwriting.
- The Loan Participation Program is described as suitable for companies with fewer than 750 employees and loan needs between $10,000 and $20,000,000.
- The Capital Access Program is described as loss protection for loans to businesses without collateral or that need flexible financing, with stated loan needs from $25,000 to $5,000,000.
- The page says USBCI does not refinance existing debt and that all loan programs require lender approval.

## Reliability Notes

This is an official program page. It is useful for routing founders toward lender-backed capital, but loan terms, enrolled lenders, eligibility details, and availability should be verified at the time of referral.

## Related Pages

- [Utah Small Business Credit Initiative](utah-small-business-credit-initiative.md)
- [Startup Capital in Utah](startup-capital-in-utah.md)