Small Business Certification & Funding Program

Our organization, Business Credit Literacy Initiative (BCLI), a 501(c)(3) non-profit, is a member of the Money Smart for Small Business Alliance developed and managed by the Federal Deposit Insurance Corporation (FDIC) and promoted by the United States Small Business Administration (SBA).


BCLI is was exclusively selected for developing, managing, and implementing the Small Business Certification & Funding Program (SBCFP) Certificate providing the skills necessary to establish and operate a small business or entrepreneurial enterprise leveraging the award-winning curriculum.




Participants can complete the five modules in-person or on-line and earn the Certification.  The modules include:

  • Organizational Types:  learn about the pros and cons of different types of business structures like LLC's, S-Corps, C-Corps, etc., understand how to legally minimize taxes through underutilized strategies such as Section 179 deductions, and much more
  • Developing a Business Plan:  learn how to develop an effective business plan for internal and external audiences that will meet the underwriting requirements to access funding
  • Managing Cash Flow:  understand the purpose of cash flow management in a small business, learn how to make cash flow projections, and know how to manage cash flow including receivables and payables
  • Financial Management:  understand the essentials of financial management and apply financial management principles, rules, and tools most relevant for small businesses
  • Access To Capital:  learn about different sources of capital and how to qualify for them including seed capital, business credit, and business loans/lines of credit of and a guaranteed capital raise* of at least $100,000 by following a grant-funded curriculum

*As you'll learn by completing the curriculum, the key to accessing capital is simply mastering two things:

  1. Have a professionally developed Capital Acquisition Plan that matches the sources of capital to your circumstances.
  2. Meet the underwriting criteria for the sources of capital in your Plan.

After completing the above modules, assistance is available to implement in the participant's business what was taught, i.e., developing an actual business plan, creating financial statements and cash flow projections, and guaranteed access to capital (see details below).




There is a one-time, $250.00 deposit to enroll in the Small Business Certification & Funding Program.  However, upon completion of the curriculum and implementation of a Capital Acquisition Plan with a capital raise of at least $100,000, the entire deposit is refunded through a grant BCLI has received.


Why is there a $250 deposit?  To confirm your commitment to completing the Program as we only receive grant funding if you complete it and successfully raise capital.  


Please understand the the $250 deposit is the complete cost for the Certification but you may incur additional incidental costs.  For example, if you aren't "business credit ready" or "loan ready", you would be responsible for the costs to become so.  There isn't a list of standardized incidental costs as each participant's circumstances are unique.  




All participants completing the curriculum is assisted in the development of a Capital Acquisition Plan and accessing capital through one or more of the following:

  • Seed Capital
    • Amount: Maximum of $35,000 (average of $20,000) of initial funding.  May be debt-based, equity-based (money that doesn't have to be paid back), or a combination of the two.
    • Eligibilty: No minimum personal credit scores to qualify, fewer than 5 employees, no minimum time in business, under $5,000,000 in annual sales.
    • Use of proceeds:  Working capital, purchase of inventory, supplies, furniture/fixtures, raw materials, and machinery/equipment for your business.
    • Important notes on this source of capital:  (1) You'll need to demonstrate your ability to service the debt. (2) Can be used stand alone or with other types of capital.


  • SBA Subsidy Model
    • Amount:  Varies but typically $1,000+ per week.
    • Eligibility:  This innovative model is based upon contributing 1-3 hours per week assisting with community development.  No sales involved.
    • Structure:  Is composed of grant-funds (does not have to be paid back--not a loan) that is paid into your business bank account resulting in improved bank rating and financials as well as working capital.
    • Use of proceeds:  Unrestricted.
    • Important note on this source of capital:  A great option to inject capital without incurring debt.
  • Business Credit
    • Amount:  $100,000 guaranteed by following our proven curriculum.
    • Eligibility:  Based on the EIN of your business versus your SSN, no mimimum time in business, must be "business credit ready" (we'll assist you assess your business credit readiness and resolve any deficiences).
    • Structure:  Begins with "starter credit" progressing to revolving credit and then to "cash credit" once your business credit profile and financials are sufficiently established to meet the underwriting guidelines for national credit cards, locally involved banks for lines of credit and business loans, etc.
    • Use of proceeds:  Typically no restrictions but subject to lenders' discretion.
    • Important note on this source of capital:  Will require pulling and analyzing business credit reports monthly to monitor progress.  No cost for analyzing but the business credit bureaus do charge for reports.


  • Business Loans & Lines of Credit
    • Amount:  $250,000 to $5,000,000+
    • Eligibility:  Requires a "loan ready" package including a business plan, cash flow projections, feasibility data, etc.  You'll learn how by completing the curriculum.  
    • Structure:  Business loans/lines of credit from banks at low interest rates.  Includes SBA and conventional financing.
    • Use of proceeds:  Varies by lender.
    • Important notes on this source of capital:  (1) These are the "good" (mainstream) loans that most small businesses have trouble accessing because they aren't loan ready.  This model has raised over $200,000,000 for small businesses.  (2) This curriculum will guide you in becoming loan ready.  Additional assistance is available outside of this curriculum/Certification, if desired.



  • Clients realized a 74% success rate as compared to 30% to non-clients.
  • 96% repayment success.
  • In 2017, 1,177 small business loans totalling $29.9 million.



Small Business Certification and Funding Plan Flyer
BCLI Small Business Certification and Fu[...]
Adobe Acrobat document [198.2 KB]
3 Tranche Model Of Capital Raising
BCLI 3 Tranche Model Of Capital Raising [...]
Adobe Acrobat document [141.6 KB]

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Why get Certified?

  1. Demonstrate your competency by earning the Small Certification & Funding Program.
  2. Learn valuable information leading to success.
  3. Guaranteed access to capital to start or grow a business.

Evaluation Links

Organizational Types

Developing A Business Plan

Managing Cash Flow

Financial Management

Credit & Money


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