SmartSteps microlending program helps minority, women-owned businesses Florida A&M University credit union wants to help future minority and women business owners take the first step towards success through the SmartSteps program. and last updated 2021-02-09 19:15:53-05 TALLAHASSEE, Fla. (WTXL) â There may be a thousand steps or more on the road to becoming successful business owners and Florida A&M University credit union wants to help future minority and women business owners take the very first one through the SmartSteps program. FAMU Credit Union created the SmartSteps initiative with the Leon County Office of Economic Vitality in order to make $1 million available to women and minority business owners.