Skip to content

Short Term Lending Program (STLP)

The US DOT, Office of Small and Disadvantaged Business Utilization (OSDBU) provides financial services to disadvantaged and woman-owned enterprises through its Short Term Lending Program (STLP). OSDBU's partners in this important line of business are minority banks and surety bonding agents.

The STLP provides revolving lines of credit to finance accounts receivable arising from transportation-related contracts. The primary collateral consists of the proceeds of the contracts. Borrowing under the lines of credit are to meet the short term costs of performing the contract(s) being financed.


To be eligible:

  1. the applicant must hold a current, valid certification as a DBE or certified under one of the qualified SBA programs;
  2. the firm must have at least three (3) years of past performance history;
  3. the firm must possess or is seeking a transportation-related contract, which supports the application; and
  4. the firm must be current on all federal and state taxes