As the nation's go-to resource and voice for small business, the SBA provides counseling, capital, and contracting expertise so businesses can confidently start, grow, expand, or recover. Access to capital is provided through loan guarantees offered to participating lenders. Counseling and contracting expertise is offered through SBA offices and a network of resource partners. SBA also provides low-interest loans to homeowners, renters and businesses of all sizes for physical and economic damage caused by a declared disaster.