# Utah Small Business Credit Initiative (USBCI)

**Type:** resource
**Status:** Draft
**Confidence:** Medium
**Focus:** Funding
**Primary Location:** Salt Lake City, UT
**Utah Location:** statewide
**Region:** statewide
**Map Location:** 60 E South Temple, Suite 300, Salt Lake City, UT 84111
**Coordinates:** 40.769012, -111.889122
**Location Precision:** exact
**Location Source:** https://business.utah.gov/contact/
**Website:** https://business.utah.gov/usbci/
**Updated:** 2026-07-14
**Layout:** field-guide

## Summary

The Utah Small Business Credit Initiative (USBCI), administered by the Governor's Office of Economic Opportunity, is a statewide program designed to enhance access to capital for small businesses, particularly those in underserved communities.

Summary text refreshed from the live Startup State listing (2026-07-14); verify current products, partners, and eligibility on the official USBCI page before recommending.

## Who It's For

Utah small businesses seeking credit access — especially operators in underserved communities — and lenders/partners participating in USBCI capital-access products. Not a substitute for venture equity; treat as a credit / capital-access pathway.

## How To Use It

1. Read the official program page for current products and partner lenders.
2. Confirm eligibility (business size, location, use of proceeds) before applying through a participating lender.
3. Contact GOEO capital-access staff if the site does not list a clear apply path.

## How To Access It

Start with the official website, then confirm current programs before recommending.

- [Official website](https://business.utah.gov/usbci/) · https://business.utah.gov/usbci/
- Email: [capitalaccess@utah.gov](mailto:capitalaccess@utah.gov)
- Startup State listing: https://startup.utah.gov/business-resource/utah-small-business-credit-initiative-usbci/

## Cost / Eligibility

Not fully specified on the Startup State card. Verify current cost (if any), lender network, geographic coverage, and eligibility on the official page.

## Best Fits

Founders and Main Street operators who need debt / credit access rather than equity, especially when underserved-community mandate is relevant.

## Imported Coverage

- Startup State ID: 2592 (slug `utah-small-business-credit-initiative-usbci`)
- Topics: Funding
- Stages: —
- Communities: —
- Industries: broad industry list on Startup State card
- Locations: statewide counties listed on Startup State card
- Listing modified: from live catalog 2026-07-14

## Evidence

- [Official website](https://business.utah.gov/usbci/) · https://business.utah.gov/usbci/
- [Startup State Resource List source note](startup-utah-resource-list.md) · https://greatutah.work/pages/startup-utah-resource-list.md · https://startup.utah.gov/resources/
- Startup State card: https://startup.utah.gov/business-resource/utah-small-business-credit-initiative-usbci/

## Open Questions

- Which lenders participate today, and what product types (loan guarantees, SSBCI-style facilities, etc.) are active?
- What are the hard eligibility cutoffs (revenue, employees, NAICS, geography)?