The following overview of financing programs is for reference purposes only and is not presented as all inclusive. Obtain complete program guidelines from the respective program provider. Most programs will require a business plan, an application, fees and/or a minimum amount of owner investment. Because most lenders are familiar with U.S. Small Business Administration (SBA) loan programs, contact your local lender for further information on the SBA loan programs and application process. Information on SBA loan programs, business management, counseling and training services are available at the City of St. Petersburg’s Greenhouse. For more program information, contact the agency listed on the last page of this summary.Incentives page provides an overview of the available programs, including those for relocating or expanding businesses.