UPS Capital Business Credit specializes in providing financing to small businesses. A subsidiary of UPS Capital, the company is a preferred Small Business Administration lender and also provides loans through government-guaranteed programs offered by the US Department of Agriculture and the Export-Import Bank of the United States. Its loans are used to finance such business-related functions as acquisitions, franchises, and real estate. The company operates throughout the US and through international locations and representative agents in emerging markets. Formerly known as First International Bank, the company was bought by shipping giant United Parcel Service in 2001.