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Hello everybody and thank you for joining us today for our small business and social security what you need to know webinar with that elected in todays conference and turn the call over to calvin going from the sba well thank you very much Tony really appreciate the chance to be here with the Social Security Administration today you know our focus at the Small Business Administration is to help small businesses start grow and succeed and Im optimistic that you will all learn a little bit about some new useful tools today as we all work together to strengthen and grow our economy well no surprise to anybody on the phone about how important small businesses are to America today about fifty percent of all working Americans work for a small business about two-thirds of all new net jobs over the past 15 years have been in small business so small businesses truly are the drivers of innovation and competitiveness and theyre the key to the long-term growth and sustainability of our economy want to discuss two main areas with everyone today first an overview of SBAs core services and programs and secondly a brief overview of several newer national initiatives that are having positive local impacts across the US and then we will all be happy to take your questions at the end of both presentations so lets start with a brief overview of sbas programs that work arm in arm with Main Street small businesses to grow and create jobs and frankly in the process strengthen our local communities well to accomplish that core mission the SBA focus on what we like to call the 3 cs and thats access to capital access to contracts and access to counseling with that first c access to capital SBA guarantees the small business loans that banks credit ians canoe development corporations and micro lenders make in order to support the startup growth and expansion of small businesses now as challenging as it can still be today to get a loan I think we forget about what things were like during the depths of the recession think back for a moment to what it was like our februari of 2009 our economy was in a freefall and shedding over 700000 jobs a month the credit market had completely frozen up and many Americans were worried about another Great Depression then thanks to the American Recovery Act and the small business jobs act that president obama signed into law we at the SBA received some new critical tools like raising our government guarantees and waving our loan-processing fees in order to put credit in the hands of good viable small businesses even in the worst lending environment since the 1930s well working together weve come a long way in fact due to those incentives and others we have seen record lending years here at the SBA since the very worst of the recession and during this past fiscal year SBA our lending partners supported over 28 billion dollars in loans nationwide those are loans that are helping local small businesses in your neighborhoods keep their shelves...
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