The Entrepreneur and Small Business Loan Guarantee Fund (ESB) were created by the OneGeorgia Authority to encourage the development or rural, locally owned, small business. The program, in partnership with accredited Georgia financial institutions, provides loans to eligible entrepreneurs and small business owners living in rural areas. These loans range from $35,000 up to $250,000 at competitive interest rates. The OneGeorgia Authority guarantees up to 50% of the loan, which can be used for start-up, fixed assets, or working capital. This public-private partnership allows any accredited financial institution in Georgia to access these shared-risk loans funds, provided the ESB project is located in a rural county.