In order to be eligible to participate in the VBIC Business Planner, the applicant must demonstrate the ability to contribute towards the total cost of start-up.  The owner contribution need not exceed the appropriate equity-to-loan ratio as is set by financial organizations.  Typically this is between 10% and 25% of the required amount of financing.  

The Equity Statement certifies that the business owner believes they have the ability to achieve a suitable financing arrangement with a financial organization such as a bank or credit union.