Though our abilities to provide a broader scope of capital and work more personally with our Equity Holdings, Sebastian River has tapped into the seventy-one percent of small businesses are under-capitalized having on average only 1/4 of the capital needed to compete in their industries.  Community banks are crucial participants in the SBA loan programs, accounting for 38% of SBA loan value leaving a vast majority of small business under-capitalized; our vision captures the leading share of this multi-billion dollar market place. $SBRH