MOVE runs a year-round and hands-on leadership development program. It’s like a boot camp for grassroots politics minus the boot and the camp part.

Each of the three sessions throughout the year (spring, summer, and fall) teaches young people how to be citizen lobbyists, how to run a field campaign, and how to engage their peers in the democratic process.

This program demystifies industry for high school students through half a day of work-based learning. The experience allows students to see career options firsthand and gain skills that employers need.

Our 2021 Regional Job Shadow took place March 1-5 with 12,800+ high school students participating virtually. Instead of the traditional workplace visit, over 40 employers shared 100+ videos with students across the region to give them a look at what real careers look like across 15 industries. Check out our Job Shadow press conference and learn how the program helps guide San Antonio's future workforce in their career exploration.

The SCORE Business Learning Center (SBLC) provides aspiring and existing small business owners in-depth online learning paths of specific business topics, such as online marketing, startup basics, and more.

At the end of a learning path, users will feel they have a better understanding of their chosen topic and the resources available for continuous learning. They will also have a mentor they can work with to apply the learning to their business.

Click here to access the Learning Center and all of it's resources.

Get free expert help from SCORE San Antonio to start and grow your small business.

As highly successful and experienced business professionals and entrepreneurs, SCORE San Antonio mentors deliver valuable, timely, and practical advice at no cost to you.

Business advice is provided using Zoom, phone, email, and in-person mentoring.

We also offer educational resources, workshops, and business events to provide you with practical, useful, and up to date information to help you manage your business.

Diverse backgrounds, different voices and unique needs may call for specialized resources or a personalized approach in mentoring. Learn more about...

• SCORE for Black entrepreneurs here.
• SCORE for Hispanic entrepreneurs here.
• SCORE for women entrepreneurs here.
• SCORE for veteran entrepreneurs here.

Click here to browse mentor profiles.

Click here to request a mentor and we will pair you with the right mentor to help your small business thrive.

Free except certain seminars and events.

The Startup Roadmap: Your Guide to Successfully Starting a Business.

The Startup Roadmap sponsored by FedEx outlines each step in starting a business with information and resources on the most difficult tasks. It also contains tips for working "With Your Mentor" on each topic.

Click here to start your journey.

Each chapter of the Startup Roadmap contains:

• Steps to Success: A series of steps you complete in order to move on to the next chapter. Each step contains concrete, actionable tasks to complete, as well as information to help you. Some steps include recommended homework; your mentor may recommend additional work.
• With Your Mentor: This section provides suggested topics you can discuss with your mentor. This might include questions you can ask or recommendations on what types of mentors might be best to help you with the current topic.
• Resources: Information and resources, including tools, templates, and online workshops, to help you learn more or complete the steps in that chapter.

To reach your destination faster, work on the Startup Roadmap with a SCORE mentor.

Like an experienced tour guide, your SCORE mentor can point out things you might otherwise miss, offer insider suggestions and shortcuts, and help you make the most of your journey.

If you dream of business ownership and want clear directions to reach your destination successfully, start the SCORE Startup Roadmap today. And if you work with a SCORE mentor, you don’t have to travel alone.

The SA Hope Center program connects individuals and families with Social Workers, whom we call Mentors, to work together and address the root cause(s) of chronic poverty.

Mentors team with the program participants to create personalized goals that increase physical, emotional, and spiritual health by focusing on each person's unique strengths.

When empowering each individual through our programs, they begin positive steps towards achieving their goals of financial literacy, strengthening the family unit, career readiness, adult education, and overall wellness.

Enrollment Requirements:

• Proof of family size (birth certificate, picture IDs, or last year’s tax forms)
• Proof of Income (pay stubs or award letters)
• One-hour Orientation class (information about all programs)
• One-hour Financial Literacy class (money management needs vs. wants, budgeting, emergency funds, paying off debt, creating savings, etc.)

The Alamo Chapter supports the American Payroll Association, a national organization of payroll professionals, dedicated to increasing the professional skills of its members.

Click here to learn more about the Sharon Tuch Memorial Scholarship.

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at CAST Tech High School.

Healy-Murphy can help you earn your Texas Certification of High School Equivalency (GED) and move on to college or employment with individualized test preparation classes and case management. Because we are also a licensed Pearson Vue testing site, you can complete your exams here, too.

Age requirements for test preparation classes: Females 18-25 (court ordered 16-25); Males 18-21 (court ordered 16-21),

To register for Texas Certification of High School Equivalency (GED) preparation classes, please call (210) 223-2944 or e-mail [email protected].

Click here to register and pay for High School Equivalency (GED) testing only.

Students who participate in the preparation classes with high attendance are eligible for financial assistance for GED test fees.

Healy-Murphy’s high school program is education for a lifetime.
Who you are matters. Everyone comes to Healy-Murphy with a story. We want to give you the tools to build a brighter future.
Healy-Murphy Center can help you earn your high school diploma. You can get your diploma here or catch up on credits and return to your previous school. Our staff will work with you to develop a schedule that fits your goals.

Own your future with:

• Self-paced classes
• Case management
• Daycare for parenting students
• Job placement assistance
• Flexible schedules for working students
• Reading skills development
• Career guidance

Healy-Murphy Center’s high school program is fully accredited by the Southern Association of Colleges and Schools/AdvancED.

Registration is open throughout the school year.

Please call (210) 223-2944 for more information.

TBE is proud to offer coaching clinics that share the insights of coaches from all over the world. Their collective experiences provide unique ways of teaching and approaching the game of basketball.

Our clinics are designed to share these tactics and philosophies amongst each other to cultivate an environment of continuous learning and growth. This dissemination of knowledge is a critical component of improving basketball globally.

After the completion of our clinics, coaches receive TBE certification.

Through contacts and connections established across the globe, TBE works with national federations, professional organizations, international club teams, college/university programs, high school and middle school programs, community organizations, and underprivileged youth in whatever capacity is needed to promote growth both on a structural and technical level.

Our goal is to help programs and organizations with whatever is needed in their endeavors including but not limited to partnerships for grant-funded programs.

With TBE coaches and athletes all over the world, we have a unique ability to create opportunities for coaches and players to travel and experience what basketball is like in other countries. We serve as facilitators in organizing exchanges for overseas travel, and host athletes from all over the world in Texas.

Ready to Work is unprecedented. No other city in the nation is supporting its residents like we are. With over $110 million in tuition assistance, hundreds of employers, training providers and colleges, community organizations and workforce agencies, we are in it together, for you.

Ready to Work makes continuing your education and finding a quality job easier for you. Your personal Ready to Work coach will help you with every step of the process, from understanding your specific situation, coaching you through career and education planning, enrolling and paying for your classes, increasing your confidence and soft skills, updating your resume, preparing you for interviews, connecting you to new job opportunities, and helping you thrive in your job.

Your journey begins with step one – Register online, call 3-1-1, or visit a Ready To Work Partner Agency.

Our full list of programs can be found here.

Our full list of employers can be found here.

Our Partner Agency, Chrysalis Ministries, provides hands-on case management services to help for inmates and their families as they overcome the consequences of incarceration. Eligibility Requirements can be found here.

Services include:

• Intake
• Assessment
• Case Management
• Referrals for Training

Thrive’s emergency shelter is housed on the campus of Haven for Hope and provides 10 young adults with shelter for up to 6 months. The core services at our emergency shelter include not only basic needs of food and shelter, but individually tailored and youth-directed case management plans to help young adults move forward in exiting homelessness. Thrive assists young adults with linkage to resources such as ID recovery, counseling, medical services, gender-affirming care, educational opportunities, and vocational training in a safe and supportive environment. Our focus is to help remove barriers that young adults may encounter in seeking services and help guide them toward their next move in achieving their goals.

LGBTQ youth and young adults.

Free.

As a commitment to Prospera’s youth residents, we offer multiple programs designed to develop the future leaders of tomorrow that are customized per the needs of each community. We believe that healthy development of youth begins with the empowerment from adult mentoring, hands-on activities, and community service., We encourage a positive influence through powerful learning experiences, and concrete skills and lessons. Our service-enriched communities offer Community Learning Centers that host youth programs focused on teaching self-discovery, individual growth, creative versatility, and qualities of leadership. Every aspect of our strategic planning is to cultivate positive elements of security, belonging, freedom, independence, moral values, healthy relationships, personal achievement, and recognition.

Youth programs and services include, but are not limited to:

• After-School Program
• Scholastic Tutoring
• Homework Assistance
• Youth Mentoring
• Girl Scouts/Boy Scouts
• Computer Literacy
• National/Industry-Sponsored Art Competitions
• Skills and Recreational Hobby Groups
• Exposure to Educational Institutions and Opportunities
• Arts and Crafts Education
• Annual Youth Summer Camp
• Educational Field Trips
• Organized Community Youth Sports Groups

This program is for youth residents of Champion Homes at Vista Verde Apartments.

ALAS, SAY Sí’s theatre program, provides students interested in the performing arts with opportunities to develop their skills in acting, directing, playwriting, technical theatre and stage management. Committed to the creation of new and original performance work by, for, and about San Antonio youth, ALAS challenges students to draw from their own experiences, observations, and insights to produce theatre of relevance to their lives and their communities.

ALAS operates as a collaborative ensemble known as the ALAS Youth Theatre Company. In the company, every student’s talent is valued and essential. Students have ownership over their theatrical work, and a voice in the artistic, technical, and creative decisions involved in every aspect of the production process.

Emphasizing leadership skills and civic engagement, ALAS aims to empower youth to create work that addresses community needs and concerns, challenges prejudices and social injustice, and celebrates diversity and difference.

This program is for students in grades 6-11. 

Student Requirements:

• Parental/guardian permission
• Reliable transportation to and from SAY Sí
• A minimum C average in school
• Commitment to attending the program weekly
• Commitment to attending the program year-round
• Commitment to completing all SAY Sí projects in a timely manner while acting as a positive influence in the studios
• Current enrollment in middle school or high school (public, private, or home school)

How to Apply:

• Read ALL SAY Sí Student Requirements above
• Read SAY Sí Program Descriptions. High school applicants will choose one program to potentially join. Middle School WAM Applicants can indicate their top two choices, but acceptance into those options will be based on availability.
• Visit our application page and fill out the SAY Sí Application Form. All applications must be submitted digitally.
• SAY Sí staff will review all applicants and contact eligible candidates to schedule an in-person interview.
• Students will be notified of the decision via email and letter after interviews have been completed and all applicants have been reviewed.
• After your interview, acceptance or deferral letters will be sent by mail.
• All accepted students and parents will be contacted to attend a MANDATORY new student/parent orientation in order to officially join SAY Sí.
• Click here to apply

Free

Pride Center San Antonio in partnership with Big Brothers Big Sisters of South Texas launched a brand new, first of its kind in the nation, site-based mentoring group for LGBTQ youth December 2015. The unique program will assist some of the most vulnerable and at-risk youth by partnering them with LGBTQ affirming role models. Program mentors will be comprised of people who lead and live successful and "Out" and "Proud" LGBTQ lives within our communities.

Call or email for more information.

As a commitment to Prospera’s youth residents, we offer multiple programs designed to develop the future leaders of tomorrow that are customized per the needs of each community. We believe that healthy development of youth begins with the empowerment from adult mentoring, hands-on activities, and community service., We encourage a positive influence through powerful learning experiences, and concrete skills and lessons. Our service-enriched communities offer Community Learning Centers that host youth programs focused on teaching self-discovery, individual growth, creative versatility, and qualities of leadership. Every aspect of our strategic planning is to cultivate positive elements of security, belonging, freedom, independence, moral values, healthy relationships, personal achievement, and recognition.

Youth programs and services include, but are not limited to:

• After-School Program
• Scholastic Tutoring
• Homework Assistance
• Youth Mentoring
• Girl Scouts/Boy Scouts
• Computer Literacy
• National/Industry-Sponsored Art Competitions
• Skills and Recreational Hobby Groups
• Exposure to Educational Institutions and Opportunities
• Arts and Crafts Education
• Annual Youth Summer Camp
• Educational Field Trips
• Organized Community Youth Sports Groups

This program is for youth residents of Terraces at Haven for Hope.

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at Tafolla Middle School.

Hello, precious woman. Your story matters. No one can take that from you. We believe you are here to help navigate the rest of your story.

We understand the reality of working in the industry. We offer counseling and mentorship. We want you to know we are here for you no matter where you are on your journey in life. We would love to have coffee and hear your story and see how we can be of support for you.

Finding community with women who can be trusted and have your best interest at heart is the first step to healing. We are such a community—women who have found ourselves in broken relationships, addiction, loss of hope, and in deep need of healing from the trauma of sexual exploitation. You will find community and support with the NSAGirls.

We offer a bi-weekly support group for your mind, body and soul. We have trauma therapies available along with resources in our community to help you live a whole, healed and productive life after your abuse.

This program is open to any woman or youth (13-18) who has been sexually abused, exploited, or trafficked.

Free

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at David Crockett Academy.

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at JT Brackenridge Academy.

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at JT Brackenridge Elementary.

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at Douglass Academy.

The Mount Zion Music Ministry is comprised of a group of singers who set the stage for worship each Sunday. Our Music Ministry consists of the Mass Choir, Praise Team.

Women’s Chorus, and Men’s Chorus. Incorporating a variety of hymns, spirituals, traditional and contemporary music, the music ministry sets an atmosphere for true and pure worship.

Free.

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at Artemisia Bowden Academy.

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at Bexar County Juvenile Justice Academy.

Communities In Schools programs surround students with a community of support, empowering them to stay in school and achieve in life. Our evidence-based approach, adapted to meet each community’s unique needs, is the basis for our success.

Basic Needs: A student cannot focus in the classroom if he or she is hungry, cold or tired, or cannot see the board. Site coordinators see to it that students' basic needs are met each day.

Enrichment: Our Site coordinators enroll students in a wide variety of after-school and summer programs, field trips and youth conferences to help them gain experience that is essential to meeting college and career goals.

Academic Assistance: Our site coordinators work hard to ensure that students have the resources to progress academically. From providing students with tutors to finding and creating quiet spaces where students can study, we do whatever it takes to create an optimal learning environment for our students.

Life Skills: Through one-on-one workshops, team building, and guest speakers, we work with students to develop social-emotional learning, character education, social skills building, and conflict resolution.

Behavioral Interventions: Many of our students face and overcome difficult obstacles in their lives. However, their survival skills aren’t always effective in the classroom or in the workplace. Our program teaches students positive ways to cope with anger, conflict resolution, and other strategies to keep them focused on school.

Family Engagement: Site coordinators connect families with counselors and social workers to make sure that home is a healthy, nurturing environment where a student can feel safe.

This program is for students at Margil Elementary School.

The SBA created the 504 loan program to help entrepreneurs finance commercial real estate and equipment for their businesses. Businesses use these loans to finance fixed asset acquisitions such as:

• Purchases of existing buildings
• Land purchases and improvements
• New facility construction
• Existing facility modernizations,
  renovations, and conversions
• Long-term machinery purchases
• Some furniture and fixtures

Businesses in operation for 2 or more years can also use 504 loans to refinance existing debt that meets the following criteria:

• A non-federal loan
• Outstanding for 2 or more years
• Current on all payments for the last 12 months
• It was used originally (85% or more) to finance eligible 504 uses (see above)

The graph to the right shows how LiftFund partners with a participating lender (typically a bank) to finance part of the project. Most projects require a 50-40-10 (Bank Loan-SBA/CDC-Owner) split. However, businesses and/or projects considered “special purpose” require an additional 10% from the owner.