Empowering entrepreneurs; Unlocking the potential of SMEs through finance

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SME Finance

Small- and Medium-sized Enterprises (SMEs) are the bedrock of the U.S. economy, playing a crucial role in driving economic growth. With approximately 28 million SMEs in the United States, they have been responsible for nearly two-thirds of the net increase in private sector jobs in recent decades. Additionally, SMEs engaged in exporting tend to experience even swifter growth, generate more employment opportunities, and offer higher wages compared to similar businesses that operate solely within domestic markets. The American business landscape is overwhelmingly composed of small businesses. According to the latest data from the U.S. Census Bureau in 2019, there were 6.1 million employer firms in the United States, with firms having fewer than 500 employees constituting 99.7% of all businesses. Firms with fewer than 100 employees represented 98.1%, while those with fewer than 20 employees accounted for 89.0%. Furthermore, firms with fewer than 10 employees made up 78.5% of the total.

Pedison USA Corporation stands behind every sector of Small and Medium-Sized Enterprises (SMEs), recognizing their pivotal role in bolstering American employment and furthering the interests of the nation’s major employers.

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Growth of Clients

Investment

Investing in small and medium-sized enterprises (SMEs) fosters growth not only for the businesses themselves but also for the overall economy. By providing capital to SMEs, investors contribute to job creation, innovation, and economic development. SMEs often have significant potential for expansion but may lack access to traditional financing options. Therefore, supporting these businesses through investment can unlock their growth potential, driving increased productivity and competitiveness in the market. Additionally, investing in SMEs promotes diversity and resilience within the economy, as these businesses typically operate across various sectors and regions, reducing dependency on any single industry. Overall, investment in SMEs plays a vital role in driving sustainable economic growth and prosperity.

Loans

Qualified small and medium-sized enterprises (SMEs) have the opportunity to access SME Loans ranging from $2,500 to $250,000 to support their business growth and expansion initiatives. SMEs can utilize these loans for various purposes such as working capital, equipment purchases, inventory management, and business expansion. With flexible repayment terms and competitive interest rates, these loans are tailored to meet the unique needs of SMEs across different industries.

Business Advice

Effective business advice is essential for SMEs navigating the complexities of finance. By offering tailored guidance on financial management, investment strategies, and risk mitigation, SMEs can optimize their financial resources and foster long-term success in their ventures.

SME Loans – Progress

In 2020, funding to SMEs experienced a significant rise, primarily driven by government-backed loans like the PPP, EIDL Programs, and traditional SBA initiatives such as the 7(a) and 504 loan programs. Despite the surge in government support and guaranteed lending, data on new SME lending remained relatively stable, largely due to the forgiveness of most PPP loans. Additional relief programs, like the Debt Relief Program, provided further assistance by forgiving up to eight months of principal and interest payments, especially benefiting SMEs in heavily impacted sectors such as food service, accommodation, and entertainment.

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