Small Business Guaranteed Credit Enhancement Act of 1993

Small Business Guaranteed Credit Enhancement Act of 1993 - Amends the Small Business Act (the Act) to increase the FY 1993 and 1994 authorizations of appropriations for loans to State and local development companies for community business development programs. Authorizes the Small Business Administration (SBA) to: (1) collect additional fees after August 31, 1995, on loans made under the Act which are sold on the secondary market; (2) permit participating lenders to charge a late fee to loan borrowers who fail to make timely payments; and (3) reduce the maximum loan guarantees on real estate loans above $155,000 and on loans made under the Preferred Lenders Program. Directs the SBA to study and report to the Congress on the effect of the SBA's authority to impose secondary market fees and to reduce loan guarantee percentages on the ability of small businesses; including minority- and woman-owned small businesses, to obtain financing and the viability of the secondary market in SBA guaranteed loans. Terminates the SBA's authority to impose such fees and reduce such percentages as of FY 1996. Makes the following revisions with respect to the Microloan Demonstration Program (the provision of loans and grants to startup, newly established, or growing small businesses): (1) increases from $15,000 to $25,000 the maximum loan which may be guaranteed by an intermediary; (2) increases the maximum grant amounts to such intermediaries for such purpose; and (3) increases from three to seven percent the maximum appropriated amount which may be used for training purposes. Authorizes the SBA to make grants or enter into cooperative arrangements in order to carry out the Small Business Development Center Program. Extends the authorization of appropriations for such Program through FY 1994. Strikes a provision prohibiting regulations concerning the Program from being printed in the Federal Register. Revises the dates of conferences to be held by the National White House Conference on Small Business. Extends through FY 1994 the authorization of appropriations for the National Women's Business Council and terminates the Council on November 30, 1995.

Small Business Credit Reform Act of 1993 - Amends the Small Business Act (the Act) to increase, for each of FY 1993 through 1996, the funding under such Act for: (1) disaster loans; (2) loans under the Small Business Investment Act of 1958; and (3) loans for other programs under the Act. Revises the loan funding authority and adds FY 1995 and 1996 funding authority for the Microloan Demonstration Program (the provision of loans and grants to start up, newly established, or growing small businesses). Amends the Small Business Administration Reauthorization and Amendments Act of 1988 to remove limitations on the commercial loan interest rates to be charged by a State for private debenture sales authorized under such Act. Authorizes the Small Business Administration (SBA) to charge an additional loan guarantee fee for loans made under the Act which are sold on the secondary market. Makes miscellaneous changes with respect to other loans guaranteed by the SBA under the Act, including the Microloan Program. Revises the dates of conferences to be held by the National White House Conference on Small Business. Increases the authorization of appropriations for Conference activities.