/FORTH WORTH AREA EDITION 2020 Small Business resource guide

START GROW EXPAND YOUR BUSINESS

CONTENTS Dallas/Fort Worth area Edition 2020

Local Business Funding Assistance Programs

8 Local Success Story 24 National Success Story The SBA was there to support Jennifer and Jeff Herbert’s Amna Javeri-Zaidi and Martha meadery has expanded into a Long when they needed help multimillion dollar enterprise securing financing. thanks to SBA assistance.

11 Local SBA 27 SBA Lenders Resource Partners 33 Need Financing? 13 Your Advocates 34 Go Global with 8 14 How to Start a Business International Trade 20 Entrepreneurial Resources 36 R&D Opportunities for High Growth Startups 14 21 Emerging Leaders 38 National Success Story 22 Opportunities for Veterans Cheeseburger Baby owner Stephanie Vitori persevered through a financial storm and a natural disaster.

42 Surety Bonds

Contracting 38 44 National Success Story Jennifer Rahn steers the course for Admiral Engineering, 13 succeeding as a small business subcontractor.

48 SBA Certification Programs

49 Woman-Owned Small 22 Business Certification

ON THE COVER Amna Javeri-Zaidi and Martha Long, courtesy of the SBA; Jennifer and Jeff Herbert; courtesy of Superstition Meadery; Stacye Onstott and Tim Onstott, 44 24 courtesy of the SBA; Sharon Hicks, courtesy of the SBA Small Business Resource Guide 3 U.S. SMALL BUSINESS ADMINISTRATION A MESSAGE FROM THE ADMINISTRATOR

t is my honor to serve as Administrator of communities, and continuing to prioritize the U.S. Small Business Administration, disaster relief. leading a dedicated team of talented in- Within this resource guide, you will learn dividuals across America who are focused more about the tremendous tools the SBA Ion helping entrepreneurs start, grow, and provides small businesses through our 68 expand their small businesses. The SBA is District Offices and numerous Resource here to support the prosperity and longevity Partners, such as our Small Business of our nation’s small businesses with timely Development Centers, our SCORE mentoring and innovative resources to help them thrive network, Women’s Business Centers, and in today’s economy. America’s entrepreneurs Veterans Business Outreach Centers. Featured are innovators, risk-takers, and the catalyst in this guide are some of the remarkable for employment opportunities within their success stories of entrepreneurs who partnered communities, and they are what makes our with the SBA to take their businesses to the economy so strong and dynamic. next level. The SBA encourages you to also As we enter a new decade of possibilities, utilize these resources to help strengthen and small businesses have a remarkable meet your business goals. opportunity to continue building upon the Sincerely, success we’ve seen in our economy over the last three years. As the voice for America’s 30 million small businesses, I am eager to advocate on entrepreneurs’ behalf as a Jovita Carranza member of the President’s Cabinet. Whether SBA Administrator it’s seeking access to capital, government contracting opportunities, business mentoring, or assistance with disaster recovery, the SBA is ready and determined to help our customers succeed. The SBA remains committed to continuing our support of America’s entrepreneurs and making an even bigger impact in communities across the country. In particular, the SBA is focused on elevating female entrepreneurs and our military veterans, expanding access to SBA resources among entrepreneurs in disadvantaged

WE MAKE SMALL BUSINESS OUR BUSINESS. START • GROW • EXPAND • RECOVER

PUBLISHED BY New South Media, Inc. 304.413.0104 | newsouthmedia.com

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Copyright: New South Media, Inc. Reproduction in part or whole is strictly prohibited without the express written permission of the publisher.

© 2020 NEW SOUTH MEDIA, INC., ALL RIGHTS RESERVED

The U.S. Small Business Administration’s Office of Marketing & Customer Service directs the publication of the Small Business Resource Guide under SBA Contract #SBAHQ- 17-C-0018. SBA publication winter 2020 national edition #mcs-0134

WRITER/EDITOR Becky Bosshart (202) 205-6677 [email protected]

DIRECTOR OF MARKETING Paula Panissidi Tavares [email protected]

The SBA’s participation in this publication is not an endorsement of the views, opinions, products or services of the contractor or any advertiser or other participant appearing here. All SBA programs and services are extended to the public on a nondiscriminatory basis.

Directory listings do not constitute or imply an endorsement by the SBA of any opinions, products, or services of any private individual or entity.

Printed in the United States of America.

While every reasonable effort has been made to ensure that the information contained here is accurate as of the date of publication, the information is subject to change without notice. The contractor that publishes this guide, the federal government, or agents thereof shall not be held liable for any damages arising from the use of or reliance on the information contained in this publication.

6 U.S. Small Business Administration SBA Dallas/Fort Worth District Office 150 Westpark Way Euless, 76040, suite 130 (817) 684-5500 [email protected] sba.gov/tx/dallas @SBADFW

elcome to the 2020-2021 edition of the U.S. District Director Business Opportunity District Counsel Small Business Administration’s Dallas/Fort Herbert Austin Specialists Rebekah O’Sullivan Worth Small Business Resource Guide. Our dis- (817) 684-5502 Kevin Sloan (817) 684-5509 Wtrict represents 72 counties across north, central, east and [email protected] (817) 684-5511 . The SBA helps make the American dream of [email protected] Office of Deputy District small business ownership a reality. We are the only federal Sean Smith Director Government agency dedicated to helping our 30 million small business- (817) 684-5524 Elsie Collins Contracting es start, grow, expand, or recover after a disaster. The SBA [email protected] DFW District Office works with an extensive network of (817) 684-5530 Area Director business advisers and lenders to help over 860,000 small [email protected] Program Support Tanika Pierce businesses at every stage of development. Assistant District Support (817) 684-5302 Find a business adviser or mentor in our SBA Resource Annie Jones Assistant [email protected] Partner network, which includes Small Business Develop- (817) 684-5522 Tena N. Scheu ment Centers, SCORE, Women’s Business Centers, and the [email protected] (817) 684-5500 Deputy Area Director Veterans Business Outreach Center. Last year, over 1,500 [email protected] Stephanie Lewis entrepreneurs qualified for SBA-backed funding totaling Lender Relations (817) 684-5303 Specialist/ over $1.1 billion. Find out if SBA-backed financing is right Economic stephanie.lewis@ Administrative for you by consulting with an SBA specialist at one of our Development sba.gov Officer partner lending institutions. This guide also details SBA di- Specialist Team Derenda Fisher saster assistance loans. Last year, the SBA provided about Leader Commercial Market (817) 684-5513 $7 billion to business of all sizes, nonprofits, homeowners Ahmad Goree Representative derenda.fisher@ and renters for rebuilding costs not covered by insurance (817) 684-5539 Sophia Chou sba.gov or other forms of assistance. If you are interested in get- [email protected] (817) 684-5304 ting started in government contracting, read about SBA [email protected] Lender Relations certifications and our business development programs. Economic Specialists SBA programs and services help you better compete in the Development Michelle Torres public marketplace. Specialists (817) 684-5535 Stay up to date on SBA events near you and get valu- Linda Williams michelle.torres@sba. able local business information by following us @SBADFW. (817) 684-5501 gov As our community continues its recovery from the health, [email protected] social, emotional and econom- Robert Chieffalo Bridget Moon ic effects of the Coronavirus (817) 684-5512 (817) 684-5526 pandemic, we hope you know robert.chieffalo@ [email protected] you can continue to count on sba.gov SBA for small business assis- Supervisory Business Program Support tance. We're in this together. Opportunity Assistant Specialist Sincerely, Glen Bates Nancy A. Alvarez (817) 684-5504 Herbert Austin (817) 684-5529 [email protected] District Director [email protected]

Small Business Resource Guide 7 LOCAL BUSINESS ASSISTANCE

How We Did It Amna Javeri-Zaidi & Martha Long Owners, Javeri Jewelers Frisco, Texas COURTESY OF THE SBA

8 U.S. Small Business Administration LOCAL BUSINESS ASSISTANCE

Challenge Amna Javeri-Zaidi and Martha Long knew it would be hard starting up a new retail business in , but they had no idea just how difficult it would be to Through secure financing. Access to capital is always a challenge for small businesses, the process but they had the added difficulty of not being taken seriously as professional business women by investors and lend- of start- ers. Their business was creditworthy and both women had the industry experi- ence, but they still couldn’t find tradi- ing up their tional financing. The SBA Solution own busi- The SBA was there to support Amna and Martha. SBA Resource Partners across ness, Amna the state offer mentoring, counsel- ing, and training for free or low cost to help busy entrepreneurs. Amna says and Martha her SCORE mentor was a great sound- ing board for the ideas that formed her business plan. Her mentor bet- discovered ter prepared her for meeting with SBA Lenders who gave them a level playing a reliable field. Her mentor also became their biggest advocate, regularly visiting the store to review P&L statements and then network marketing Javeri Jewelers through word of mouth. helping Using the SBA Lender Match online tool, Amna connected with a local bank that wanted to work with them. The them each SBA guarantees loans made by lending institutions to small businesses that cannot find financing elsewhere. Amna, step of the who owns the majority in the company, presented achievable sales goals in a way: the viable financial plan. Their SBA Lender understood their goals and believed their business was a risk worth taking. Javeri SBA and its Jewelers qualified for an SBA-backed loan of $670,000 from Midwest Regional resource Bank, injecting the capital they needed at the right time with the right terms that worked best for their business. partners.” Benefit Through the process of starting up Their Advice to Other Entrepreneurs their own business, Amna and Martha Review your spreadsheets diligently and discovered a reliable network helping be bearish in your projections; if you es- them each step of the way: the SBA and timate selling one dollar cut that in half its resource partners. Amna still meets and then cut it in half again. “It’s better with her SCORE mentor and consults to underestimate than overestimate with her SBA Lender. your sales,” Amna says.

Small Business Resource Guide 9 LOCAL BUSINESS ASSISTANCE

SBA Resource Partners No matter your industry, location or experience, if you have a dream, the SBA is here to help you achieve it. Our SBA Resource Partners offer mentoring, counseling, and training to help you start up and thrive at all stages of the business life cycle. These independent organizations operating across the United States and U.S. territories are funded through SBA cooperative agreements or grants.

SMALL BUSINESS DEVELOPMENT CENTERS

Achieve your dream of business ownership and remain competitive in an ever-changing global economy with assistance from your local SBDC. Access free counseling and free or low- cost training on topics like regulatory compliance, technology + development, and international trade. Find an SBDC adviser at 950 sba.gov/sbdc.

SCORE

Join the ranks of other business owners who have experienced higher revenues and increased growth thanks to SCORE, the nation’s largest network of volunteer business mentors. Experienced executives share real-world knowledge to fit your + busy schedule. SCORE mentors are available for free as often as you need, in person, via email or over video chat. Find a mentor 300 at sba.gov/score.

WOMEN’S BUSINESS CENTERS

Women entrepreneurs receive business counseling and training from this national network of community-based centers. Each center tailors its services to help you navigate the challenges women often face when starting or growing a business. To learn 100+ about SBA resources for women visit sba.gov/women. VETERANS BUSINESS OUTREACH CENTERS

Veteran and military entrepreneurs receive business training, counseling, and referrals to other SBA Resource Partners at a Veterans Business Outreach Center, sba.gov/vboc. Receive procurement guidance to better compete for government contracts. VBOCs also serve active duty service members, + National Guard or Reserve members, veterans of any era, and 20 military spouses.

10 U.S. Small Business Administration LOCAL BUSINESS ASSISTANCE

Northeast Texas SBDC Community College Our Local SBA Director Tim Wilson 105 N. Riddle St. #121, Mt. Pleasant (903) 434-8100 Resource Partners ntcc.edu SBA’s Resource Partners are independent organizations Texarkana office 2500 N. Robison Road BCT 20 funded through SBA cooperative agreements or grants. (903) 434-8100

Paris SBDC Paris Junior College Small Business Director Jennifer Johnston 2400 Clarksville St., Paris Development Centers (903) 782-0224 parissbdc.org SBDC State Office McLennan SBDC Lead Center McLennan Community College Tarrant SBDC Director Steve Surguy Dallas College Tarrant County College 4601 N. 19th St., Waco State Director Mark Langford Director Rodney Johnson (254) 299-8141 Associate State Director Katrina Wade-Miller 1150 S. Freeway #229, Ft. Worth mccsbdc.com 1402 Corinth St. #2100, Dallas (817) 515-2603 (214) 860-5831 Cleburne office tarrantsbdc.org ntsbdc.org 1511 W. Henderson St. North Richland Hills office (254) 299-8141 North Texas SBDC International 9015 Grand Ave. #228 Temple office (817) 427-6840 and Contracting Programs 2109 Bird Creek Terrace Director Katrina Wade-Miller Arlington offices (254) 299-8141 1402 Corinth St., Dallas 505 E. Border St. (817) 515-2607 (214) 860-5831 Navarro SBDC ntsbdc.org 140 W. Mitchell St. Navarro College (817) 515-2606 Collin SBDC Director Leslie Leerskov 3205-B W. Second Ave., Corsicana Collin County College Trinity Valley SBDC (903) 872-8104 Director Marta Frey Trinity Valley Community College navarrocollegesbdc.org 4800 Preston Park Blvd. #114, Plano Director Michael Ellsberry (972)985-3770 Waxahachie office 201 W. Corsicana St. #6, Athens collinsbdc.com 1900 John Arden Drive (903) 675-7403 (972) 923-6425 tvcc.edu/sbdc Dallas Metropolitan SBDC Mexia office Palestine office Dallas College 405 E. Milam St. 100 Willow Creek Parkway #A Director Rose Blair (254) 472-0870 (903) 729-4100 1402 Corinth St. #1520, Dallas (214) 860-5859 Navarro office Terrell office dallasmetropolitansbdc.com 900 W. Commerce, Fairfield 1200 E. Interstate 20 (903) 389-5710 (903) 729-4100 Addison Treehouse office 14681 Midway Road North SBDC Tyler SBDC (214) 860-5859 North Central Texas College Tyler Junior College Garland Chamber office Director Lori Logan Director Don Proudfoot 520 N. Glenbrook Drive 1517 Centre Place Drive, Denton 1530 S. SW Loop 323 #100 (214) 860-5859 (940) 498-6470 (903) 510-2975 nctc.edu tylersbdc.com Grayson SBDC Denton Chamber office Grayson College 414 Parkway UT Tyler-Longview SBDC Director Karen Stidham The University of Texas at Tyler (940) 380-1849 6101 Grayson Drive, Denison Director Day Shelmire (903) 463-8787 911 W. Loop 281, Longview graysonsbdc.org (903) 757-5857 uttyler-longviewsbdc.org Small Business Resource Guide 11 LOCAL BUSINESS ASSISTANCE

Lewisville Chamber Granbury Chamber SCORE 551 N. Valley Parkway 3408 E. Highway 377 Visit sba.gov/score to start working on (972) 436-9571 (817) 871-6002 your business goals. Contact your local of- McKinney Office Chamber HEB Chamber fice to schedule an appointment. 400 W. Virginia St., suite 100 2109 Martin Drive, Hurst (972) 542-0163 (817) 871-6002 Dallas Chapter 22 Plano Chamber North Richland Hills Public Library 15301 Spectrum, Addison 1200 E. 15th St. 9015 Grand Ave., room 232 (214) 987-9491 (972) 424-7547 (817) 871-6002 Monday-Friday 9 a.m.-3 p.m. dallas.score.org Prosper Chamber Southlake Chamber 110 N. Preston Road 1501 Corporate Circle Meeting locations: (972) 508-4200 (817) 871-6002 Allen Fairfield Chamber 810 W. McDermott Drive, Allen Rockwall Chamber Southlake Public Library (972) 727-5585 697 East I-30(972) 772-5733 1400 Main St., suite 130 (817) 871-6002 Coppell Chamber Chapter 280 509 W. Bethel Road, suite 200 1530 S. SW Loop 323, suite 100, Tyler Call (972) 393-2829 for an appointment (903) 510-2975 Dallas/ Dallas Bill J. Priest Center easttexas.score.org 1402 Corinth St., suite 117 & 121 (214) 987-9491 Fort Worth Chapter 120 Fort Worth Fort Worth Business Assistance Center Denton North Branch Library 50 Westpark Way, Euless Women’s 3020 N. Locust St. (817) 871-6002 Kerry Montz (940) 349 8757 Monday-Friday 9 a.m.-2 p.m. Business Farmer’s Branch Chamber fortworth.score.org 2815 Valley View Lane, suite 118 Meeting locations: Center (972) 243-8966 Colleyville City Flower Mound Chamber 100 Main St., third Floor LiftFund Director Tarsha Polk 700 Parker Square, suite 100 (817) 871-6002 7800 N. Stemmons Freeway, suite 120 (972) 539-0500 Tuesday & Wednesday 10 a.m.–2 p.m. Dallas Frisco Chamber Euless Library (888) 215-2373 6843 Main St. 201 Ector Drive Monday–Friday 9 a.m.–5:30 p.m.; evenings (972) 335-9522 (817) 871-6002 and weekends by appointment only Irving Chamber SBA Dallas/Fort Worth District Office (888) 215-2373 5201 N. O’Connor Blvd., suite 100 4300 Amon Carter Blvd., suite 114, Fort Worth wbcappointment.as.me/schedule.php (214) 217-8484 (817) 871-6002

Veterans Business Outreach Center Veteran entrepreneurs or small business owners can receive business training, counseling and mentoring, and referrals to other SBA Resource Partners at a Veterans Business Out- reach Center, sba.gov/vboc. This is also the place to receive procurement guidance, which can help your business better compete for government contracts. University of Texas Arlington College of Business Director Patrick Alcorn 701 S. West St., Arlington O'Connor Belting, a Delaware (817) 272-6789 family-owned business, expanded with the help of an [email protected]

SBA-guaranteed 7(a) loan. COURTESY OF THE SBA uta.edu/vboc

12 U.S. Small Business Administration LOCAL BUSINESS ASSISTANCE

Your

Advocates To report how a proposed The SBA offices of advocacy and ombudsman are independent federal regulation could unfairly affect you, contact voices for small business within the federal government. advocacy.sba.gov. Advocacy Ombudsman When you need a voice within the federal Entrepreneurs who have an issue with To submit a comment government for your interests as a small an existing federal regulation or policy about how your busi- business owner, SBA advocates are here to receive assistance from the SBA ness has been hurt by an assist. They analyze the effects of proposed national ombudsman. existing regulation, visit regulations and consider alternatives that The ombudsman’s office helps you: minimize the economic burden on small sba.gov/ombudsman/ » resolve regulatory disputes with businesses, governmental jurisdictions, and comments. federal agencies nonprofits. The office,advocacy.sba.gov , helps with » reduce unfair penalties and fines these small business issues: » seek remedies when rules are inconsis- » if your business could be negatively af- tently applied fected by regulations proposed by » recover payment for services done by the government government contractors To submit a comment or complaint through Make your voice heard by participating in a » when you need economic and small busi- the online form, visit sba.gov/ombudsman/ Regional Regulatory Enforcement Fairness ness statistics comments. Your concerns will be directed Roundtable or a public hearing hosted by The SBA Office of Advocacy also inde- to the appropriate federal agency for review. the SBA national ombudsman. These events pendently represents small business and The SBA will collaborate with you and the are posted periodically on the ombudsman advances its concerns before Congress, the agency to help resolve the issue. White House, and federal agencies. website, sba.gov/ombudsman.

Small Business Resource Guide 13 LOCAL BUSINESS ASSISTANCE

Sharon Hicks, pictured, and Sheridan Gleason’s SBA-backed 7(a) loan helped them add 13 new jobs at Whimsy Cookie Co. The mother and daughter team shared a love of baking that grew

into a sweet small business in Southlake, TX. COURTESY OF THE SBA How to Start a Business in the Dallas/Fort Worth Area Thinking of starting a business? Here are the nuts & bolts.

The Startup Logistics potential customers, including consumer » Texas Secretary of State spending, and a summary of existing busi- (512) 463-5555 Even if you’re running a home-based business, nesses, available as a map and a report. you will have to comply with many local, state, sos.state.tx.us/corp/ and federal regulations. Do not ignore regula- namefilingsfaqs.shtml tory details. You may avoid some red tape in Business License & Zoning Licenses are typically administered by a the beginning, but your lack of compliance Taxes variety of state and local departments. It is As a business owner, you should know your could become an obstacle as your business important to consider zoning regulations federal tax responsibilities and make busi- grows. Taking the time to research regulations when choosing a site for your business. ness decisions to comply with tax require- is as important as knowing your market. Being Contact the local business license office ments. The IRS Small Business and Self- out of compliance could leave you unpro- where you plan to locate your business. Employed Tax Center, irs.gov/businesses/ tected legally, lead to expensive penalties, and You may not be permitted to conduct small-businesses-self-employed, includes jeopardize your business. business out of your home or engage in information on paying and filing income tax Market Research industrial activity in a retail district. and finding an Employer ID Number. As the IRS continues to implement some View consumer and business data for your of the Tax Cuts and Jobs Act provisions, area using the Census Business Builder: Name Registration Register your business name with the your tax obligations may change. For the Small Business Edition, https://cbb.cen- county clerk where your business is lo- latest tax reform updates that affect your sus.gov/sbe. Filter your search by business cated. If you’re a corporation, also register bottom line, visit . type and location to view data on your irs.gov/tax-reform with the state.

14 U.S. Small Business Administration LOCAL BUSINESS ASSISTANCE

» IRS Dallas Office by the U.S. Department of Labor. Call (800) Accessibility Earle Cabell Federal Building 321-6742 or visit osha.gov. 1100 Commerce St., suite 121 & ADA Compliance » Texas Workforce Commission For assistance with the Americans with (214) 413-6010 (800) 832-9394 Disabilities Act, call the ADA center at (800) » State Taxes [email protected] 949-4232 or the Department of Justice at Texas Comptroller of Public Accounts twc.state.tx.us (800) 514-0301. Direct questions about Sales Tax and Franchise Tax Information » Texas Occupational Safety & Health accessible design and the ADA standards (512) 463-4865 Consultation program to the U.S. Access Board at (800) 872-2253, comptroller.texas.gov/taxes Free safety and health compliance as- TTY (800) 993-2822, [email protected] » Texas Secretary of State sistance for private sector or visit access-board.gov. Employer and Tax Information Texas employers (512) 463-5555 (800) 252-7031, option 2 Child Support sos.state.tx.us/corp/tax.shtml [email protected] Employers are essential to the success of tdi.texas.gov/oshcon the child support program and collect 75% Social Security of support nationwide through payroll de- If you have any employees, including Employee Insurance ductions. You’re required to report all new officers of a corporation but not the Check your state laws to see if you are and rehired employees to the State Direc- sole proprietor or partners, you must required to provide unemployment or tory of New Hires. If you have employees in make periodic payments, and/or file workers’ compensation insurance for your two or more states, you may register with quarterly reports about payroll taxes employees. For health insurance options, the Department of Health and Human Ser- and other mandatory deductions. You call the Small Business Health Options pro- vices to report all your employees to one can contact the IRS or the Social Security gram at (800) 706-7893 or visit healthcare. state. Find electronic income withholding Administration for information, assistance, gov/small-businesses/employers. orders and the Child Support Portal, which and forms at (800) 772-1213 or visit Association Health Plans allow small can be used to report information to nearly socialsecurity.gov/employer. You can file businesses, including self-employed all child support agencies, at acf.hhs.gov/ W-2s online or verify job seekers through workers, to band together by geography programs/css/employers. Send questions the Social Security Number Verification or industry to obtain healthcare coverage to [email protected]. Service. as if they were a single large employer. For » Child Support State Office information, visit dol.gov/general/topic/ (512) 460-6000 Employment Eligibility association-health-plans. texasattorneygeneral.gov/cs/wel- Verification » Texas Department of Insurance come-to-the-child-support-division The Federal Immigration Reform and 333 Guadalupe, Austin Control Act of 1986 requires employers (512) 676-6000 Intellectual Property to verify employment eligibility of new (800) 578-4677 Patents, trademarks, and copyrights are employees. The law obligates an employer tdi.texas.gov types of intellectual property that serve to process Employment Eligibility to protect creations and innovations. For Verification Form I-9. The U.S. Citizenship Environmental information and resources about U.S. pat- and Immigration Service offers information Regulations ents and federally registered trademarks and assistance through consult , call (800) 786-9199 or uscis.gov/i-9- State assistance is available for small busi- uspto.gov . For forms, see . visit the Texas Regional Office in Dallas, central uscis.gov/forms nesses that must comply with environmen- For the employer hotline call (888) 464- Texas, . tal regulations under the Clean Air Act. State uspto.gov/texas 4218 or email [email protected]. 207 S. Houston St., Dallas Small Business Environmental Assistance E-Verify is the quickest way for (426) 295-9000 programs provide free and confidential employers to determine the employment assistance to help small business owners [email protected] eligibility of new hires by verifying the For inventor entrepreneur resources visit understand and comply with environmental Social Security number and employment . regulations and permitting requirements. uspto.gov/inventors eligibility information reported on Form There are three types of patents: These state programs can help businesses I-9. Visit , call (888) 464-4218 or e-verify.gov reduce emissions at the source, often • Utility patents may be granted to email [email protected]. reducing regulatory burden and saving you anyone who invents or discovers any money. To learn more about these free ser- new and useful process, machine, Health & Safety manufacture, or composition of matter, vices visit nationalsbeap.org/states/list. All businesses with employees are required or any new and useful improvement. to comply with state and federal regula- » Environmental Protection Agency • Design patents may be granted to tions regarding the protection of employ- Small Business Division anyone who invents a new, original, ees, visit employer.gov and dol.gov. The epa.gov/resources-small-businesses and ornamental design for a Occupational Safety and Health Admin- » Texas Commission manufactured article. istration provides information on the on Environmental Quality specific health and safety standards used tceq.texas.gov

Small Business Resource Guide 15 LOCAL BUSINESS ASSISTANCE

• Plant patents may be granted to Aubrey Cooper anyone who invents or discovers and aubreycoc.org cityofcoopertx.municipalimpact.com/ chamber-of-commerce asexually reproduces any distinct and Avinger new variety of plant, other than a tuber avingertxchamber.org Corsicana/Navarro propagated plant or a plant found in an corsicana.org Azle uncultivated state. azlechamber.com/home Crowley A trademark or service mark includes crowleyareachamber.org any word, name, symbol, device, or any Baird combination, used to identify and distin- bairdchamber.com Dallas Black Chamber dallasblackchamber.org guish the goods/services of one provider Balch Springs from others. Trademarks and service marks balchspringschamber.org Decatur may be registered at both the state and decaturtx.com Bellmead federal level. The U.S. Patent and Trademark bellmeadchamber.com Denton Office only registers federal trademarks and denton-chamber.org service marks, which may conflict with and Belton supersede state trademarks. Visit beltonchamber.com Desoto desotochamber.org uspto.gov/trademarks. Benbrook Copyrights protect original works of au- benbrookchamber.org Dublin dublintxchamber.com thorship including literary, dramatic, musi- Bowie cal and artistic, and certain other intel- bowietxchamber.org Duncanville lectual works, such as computer software. duncanvillechamber.org Copyrights do not protect facts, ideas, and Breckenridge breckenridgetexas.com East Parker systems, although they may protect the eastparkerchamber.com way they are expressed. For general infor- Bridgeport mation on copyrights, contact: bridgeportchamber.org Eastland eastlandchamber.com » U.S. Copyright Office Brownwood U.S. Library of Congress brownwoodchamber.org Electra electratexas.org James Madison Memorial Building Burkburnett 101 Independence Ave. SE burkburnettchamber.com Ennis Washington, DC ennis-chamber.com Burleson (202) 707-3000 or toll free (877) 476-0778 burlesonchamber.com Fairfeld copyright.gov fairfieldtexaschamber.com Canton [email protected] Fort Worth Hispanic Chamber fwhcc.org Chambers of Cedar Creek Lake area cedarCreekLakeChamber.com Fort Worth Metropolitan Black Chamber Commerce fwmbcc.org Cedar Hill Albany cedarhillchamber.org Farmers Branch albanytexas.com farmersbranchchamber.org Centex Hispanic Chamber Allen/Fairview wacohispanicchamber.com Frisco allenfairviewchamber.com friscochamber.com Cleburne Alvarado cleburnechamber.com Gainesville alvaradochamber.com gainesville.tx.us Clifton Americas Chamber for Business cliftontexas.org Garland americaschamber.org garlandchamber.com Clyde Arlington clydetexas.us/chamber Garland Hispanic arlingtontx.com garlandhcc.org Coleman Arlington Hispanic Chamber colemantexas.org Graham hispanic-chamber.org grahamtexas.net/businesses/chamber- Colleyville of-commerce Athens colleyvillechamber.org athenscc.org Granbury Comanche granburychamber.com Atlanta comanchechamber.org atlantatexas.org/chamber/atlanta- Grandview chamber-of-commerce.aspx Commerce grandviewchamber.net commerce-chamber.com Grapevine grapevinechamber.org

16 U.S. Small Business Administration LOCAL BUSINESS ASSISTANCE

Greater Dallas Asian American Gdaacc.com Greater Dallas Hispanic gdhcc.com Greater Keller kellerchamber.com Greater Southwest Black Chamber gswbcc.org Greater Waco wacochamber.com Greenville greenvillechamber.com Groesbeck groesbeckchamber.com Henderson Hendersontx.com Henrietta/Clay hccchamber.org Hillsboro hillsborochamber.org Hopkins County hopkinschamber.org Hurst-Euless-Bedford Stacye Onstott and Tim heb.org Onstott, owners of Railhead Smokehouse, created more Irving Hispanic Chamber jobs in their Willow Park, TX Irvinghcc.com restaurant with the help of an SBA-backed 7(a) loan. COURTESY OF THE SBA Iowa Park iowapark.com/departments/chamber- Mesquite Olney of-commerce mesquitechamber.com olneytexas.com Jacksboro Metrocrest Palestine jacksborochamber.com metrocrestchamber.com Palestinechamber.org Joshua Mexia Paris joshuachamber.com mexiachamber.com Paristexas.com Kaufman Midlothian Pilot Point kaufmanchamber.com midlothianchamber.org pilotpoint.org Keene Mineral Wells Possum Kingdom Lake keenechamber.org mineralwellstx.com possumkingdomlake.com Killeen Muenster Plano killeenchamber.com muensterchamber.com planochamber.org Lancaster Nacogdoches County Redoak lancasterchambertx.org nacogdoches.org redoakareachamber.org Lake Cities Nocona Rockwall lakecitieschamber.com nocona.org/commerce rockwallchamber.org Lake Tawakoni region Northeast Tarrant Seagoville Ltrcc.org netarrant.org (972) 287-5184 Longview Northwest Metroport Seymour Longviewchamber.com nwmetroportchamber.org cityofseymour.org/chamberofcommerce Mansfield area Northwest Tarrant Southlake mansfieldchamber.org nwtcc.org southlakechamber.com McKinney Oak Cliff South Tarrant mckinneychamber.com oakcliffchamber.org southtarrantchamber.com

Small Business Resource Guide 17 LOCAL BUSINESS ASSISTANCE

South Wise Belton Fort Worth Saginaw (817) 638-2855 beltonedc.org fortworthtexas.gov/hed ci.saginaw.tx.us/215/eco- nomic-development Southeast Dallas Benbrook Economic Devel- Graham Economic Develop- sedallaschamber.org opment Corp. ment Corp. Seagoville benbrook-tx.gov grahamtexas.net/invest/geic seagovilleedc.com Springtown springtownchamber.org Bonham Grand Prairie Southlake Economic Bonhambedco.com gptx.org cityofsouthlake.com Stephenville stephenvilletexas.org Burkburnett Grand Saline Sulphur Springs Development Corp. grandsaline.org sulphurspringstx.org Temple burkburnettsports.com templetx.org Grapevine Tarrant County Burleson Texas grapevinetexas.gov tarrantcounty.com Terrell burlesontx.com/ed terrelltexas.com Henderson Tatum Canton hendersonedc.com tatumtexas.com Texarkana cantontxedc.com texarkana.org Hurst Texas Economic Develop- City of Mesquite hursted.com ment Division Tyler cityofmesquite.com North Texas Region tylertexas.com Hurst-Euless-Bedford texaswideopenfor City of Waxahachie heb.org/economicdevelop- US India business.com crossroadsoftx.com ment usicoc.prg Texas Forest Cedar Hill Economic Devel- Johnson County Waxahachie Country Partnership opment Corp. jc-edc.com waxahachiechamber.com texasforestcountry.com cedarhilledc.com Keller U.S. Pan Asian Tyler Celina cityofkeller.com American Chamber tedc.org celinaedc.com uspaacc.com Kennedale Economic Devel- Commerce opment Corp. Vernon commercetxedc.org gokennedale.com vernontexas.info Crockett Lake Granbury Waco crockett.org wacochamber.com Area Economic Dallas Development Corp. Weatherford dallas-ecodev.org granbury.org/846/economic- weatherford-chamber.com development Denton West Tarrant dentonedp.com Longview westtarrantchamber.com longviewusa.com DeSoto Economic Develop- White Settlement Mansfield ment Corp. whitesettlement-tx.com mansfield-texas.com dedc.org Wichita Falls Marshall Duncanville Economic Devel- wichitafallschamber.com marshalledc.org opment Corp. duncanvilleedc.com McKinney mckinneyedc.com Economic Downtown Arlington Man- agement Corp. Mesquite Development downtownarlington.org mesquiteecodev.com Aledo Economic Develop- Decatur Economic Develop- Nacogdoches ment Corp. ment Corp. nedco.org aledo-texas.com decatur-edc.com North Richland Hills Arlington Office Emory nrhed.com of Economic Development emorytx.com Paris arlingtontx.gov/business Euless paristexasusa.com Athens eulesstx.gov/ecodev Plano athensedc.com Fairview planotexas.org Azle fairviewtexasedc.com Prosper cityofazle.org Flower Mound prosperedc.com Balch Springs Economic flower-mound.com/econdev Richland Hills Development Corp. richlandhills.com balchspringsedc.com

18 U.S. Small Business Administration Small Business Resource Guide 19 LOCAL BUSINESS ASSISTANCE Entrepreneurial Resources

Regional Innovation Clusters Create jobs and grow the economy through an SBA Regional Innovation Cluster. Online Learning Find free short courses and learning Who should join Small businesses driving innovation in one of these tech industries: tools to start and grow your small busi- • advanced composites ness at sba.gov/learning. The SBA’s free Online Learning Center is a great • agTech resource for every entrepreneur, espe- • bioscience cially rural business owners looking for • food processing easy access to vital business training. • data sciences • medical sciences Courses include: • power and energy • writing your business plan • unmanned aerial systems • understanding your customer • water tech • buying a business • wood products • marketing to win customers • legal requirements How it works • financing options Each industry cluster is based in a geographic region. Your small business must be located in or near that region in order to join the • disaster recovery cluster. For example, the AgLaunch Initiative cluster, which focuses on agricultural technology, is located in the Tennessee area. A small agTech business in or near Tennessee will connect with other agTech suppliers, service providers, and related institutions through that innovation cluster. Native American How it benefits you Network with other industry innovators and connect with resources Workshops that will help your small business find funding. You’ll also receive guidance on how to better compete for government contracts and Tribal enterprises and business organizations other opportunities for growth and expansion. Receive free techni- can receive entrepreneurial training at an SBA cal and legal assistance to develop your tech and get it to market for Entrepreneurial Empowerment Workshop. These government and industry buyers. workshops cover business concepts important for Get involved starting, growing, or expanding a small business. Find an SBA Regional Innovation Cluster near you by visiting RedWind instructors identify and help partici- sba.gov/localassistance. Select the regional innovation clusters on pants avoid common pitfalls. Learn how to pre- the drop-down menu. pare a business plan, gain access to capital, and basic book keeping. Request a workshop in your area by visiting nativesmallbusiness.org.

20 U.S. Small Business Administration LOCAL BUSINESS ASSISTANCE Emerging Leaders Learn the skills to grow your small business in this seven-month course. Accelerate Growth Small business executives looking to grow their business, create jobs, and strengthen their communities will find their next challenge in the SBA Emerging Leaders program. This seven-month course offers about 100 hours of training and provides the opportunity for high-potential small business owners to work with experienced coaches and mentors while developing connections with peers, local leaders, and the financial community.

How it benefits you Since the start of the program in 2008, Emerging Leaders graduates have reported creating over 6,500 jobs, gaining more than $300 million in new financing, and securing over $3.16 billion in government contracts. Participants produce a three-year strategic growth plan that connects them with the necessary tools and resources to reach major performance targets.

What you learn The curriculum is research-based and nationally scalable, enabling you to engage in focused development and expansion strategies, including options for accessing new capital and securing government contracts. COURTESY OF AA&A FIRE AND SAFETY Who’s eligible HOW THE SBA HELPED ME SUCCEED Small businesses having annual revenues When April Broderick wanted to expand into government contracting, she turned to of at least $250,000, in business for at least the SBA. A&A Fire and Safety Co. in Cabot, AR serves the fire protection and service three years, and with at least one employee. needs of businesses, schools, and fire departments across Arkansas. She took over Get involved from her father, Alan, in 2014, becoming one of the few women executives in her To register online, visit industry. With the help of the SBA Emerging Leaders program, April received business sba.gov/emergingleaders. training and networking opportunities to help her better compete in the public mar- ketplace. April committed to the program because she wanted to develop a three-year growth plan with business experts. Since graduating from Emerging Leaders, she has grown her business to six full-time employees, seven part time, with a projected 2019 revenue of $1.7 million.

Small Business Resource Guide 21 LOCAL BUSINESS ASSISTANCE

AVMAC President/CEO Bert Ortiz, left, HOW THE SBA and fellow U.S. Navy veteran and electrician Ken Morey manufacturing HELPED ME a power panel bracket. SUCCEED U.S. Navy veteran Roberto Ortiz puts his 40 years of aviation management experience to use as a small business owner in Chesapeake, VA. Bert expanded AVMAC Inc. into the govern- ment sector fulfilling avia- tion and maritime logistical services with the help of his local SBA Veterans Business Outreach Center. VBOCs are the first stop for military commu- nity entrepreneurs looking to start, grow, or expand a small business. The VBOC located at Old Dominion University helped Bert obtain govern- ment contracting business certifications. With support from his local VBOC, Bert has strategically positioned AVMAC in the federal marketplace to better compete for large-scale government contracts. From AVMAC’s first contract in 2010, this veteran-led company has nearly doubled in revenue and grown to over 400 employees. COURTESY INC. OF AVMAC Opportunities for Veterans Military community members become more successful entrepreneurs with the help of the SBA. Entrepreneurship training Who’s eligible? members, and spouses through these SBA- In Boots to Business, explore business own- Service members transitioning out of funded programs: ership and other self-employment opportu- active duty and military spouses. Boots to » Veteran Women Igniting the Spirit of En- nities while learning key business concepts. Business: Reboot, for veterans, National trepreneurship in Syracuse, New York Walk away with an overview of entrepre- Guard or Reserve members and military » LiftFund in , Texas neurship and applicable business owner- spouses, teaches this entrepreneurship ship fundamentals, including how to access curriculum off base in communities. For service-disabled veterans startup capital using SBA resources. Boots to Register for either B2B program at Learn how to start and grow a small business Business is conducted on all military installa- https://sbavets.force.com. using these SBA-funded programs: tions as part of the Department of Defense’s For women veterans » Entrepreneurship Bootcamp for Veterans Transition Assistance Program. Receive entrepreneurial training geared with Disabilities in Syracuse, New York toward women veterans, service

22 U.S. Small Business Administration LOCAL BUSINESS ASSISTANCE

» Veterans Entrepreneurship Program at the Riata Center for Entrepreneurship, Spears School of Business, Oklahoma State Uni- versity in Stillwater, Oklahoma » Veteran Entrepreneurship Jumpstart at St. Joseph’s University in Philadelphia, Pennsylvania » Dog Tag Inc., affiliated with Georgetown University in Washington, DC

Financing Employee called to active duty? You can receive funds that enable your business to meet ordinary and necessary operating expenses when an essential employee is called up to active duty in the military reserve. Ask your local SBA specialist or lender about the Military Reservist Economic Injury Disaster Loan.

Government contracting Veteran-owned and service-disabled veteran-owned small businesses that want to better compete in the public market receive training from the Veteran Institute for Procurement, nationalvip.org. VIP Start Enter the federal market and become ready for procurement. VIP Grow Strategize to expand and operate within the federal marketplace. VIP International Enter or expand your federal and commercial contracting opportunities overseas. Get certified Learn about the service-disabled veteran- owned small business certification program on page 50.

Need assistance? Veteran and military entrepreneurs receive business training, counseling, and referrals to other SBA Resource Partners at a Veterans Business Outreach Center, sba.gov/vboc. For veterans business information visit sba.gov/veterans. COURTESY INC. OF AVMAC

Small Business Resource Guide 23 FUNDING PROGRAMS Financing Your Small Business

How We Did It Crafting a

BusinessSBA-backed financing helped Superstition Meadery expand into a multimillion dollar enterprise. written by Becky Bosshart COURTESY OF SUPERSTITION MEADERY 24 U.S. Small Business Administration FUNDING PROGRAMS

ennifer and Jeff Herbert’s Solution home-based brewing has Thanks to guidance from an SBA expanded into a global, mul- Resource Partner, the Small Business timillion dollar enterprise Development Center at Yavapai Com- thanks to SBA assistance. munity College, Jennifer and Jeff learned Using Arizona honey and ingredients about financing that worked for them. Jthey’ve sourced from around the world The SBA guarantees loans made by lend- (such as Tahitian vanilla and Moroc- ing institutions to small business that can saffron), the Herberts are selling would not otherwise be able to obtain nearly 30,000 gallons annually of their financing. Their small business qualified Tips for honey-based fermented beverage. They for two SBA-backed loans totaling more operate a downtown Prescott, Arizona than $600,000. The Herberts’ first SBA- tasting room and state-of-the-art backed loan allowed them to acquire Success production facility, creating jobs and commercial property to design and build 5 building a local craft industry. The their mead production facility. Their Herberts, founding members of the second SBA-backed loan provided the Get guidance. Develop a working relationship with American Mead Makers Association, funding for professional brewing equip- an SBA Resource Partner (see page 10). have traveled around the world host- ment to complete their 7,450-square- Your business adviser will help make ing pairing events and pouring at craft foot production space. The Herberts your business ready for financing. beverage festivals. recently purchased a historic building in Challenge downtown Phoenix, Arizona to open a mead-pairing restaurant. The Herberts wanted to scale up their Define your lending needs. meadery while also staying true to their Benefit Determine if a loan is right for you and values of quality ingredients and craft The Herberts started with two employ- if this is the right time. Define your process. It is often difficult for new ees and now have over 20 producing needs. How much do you need? What entrepreneurs or unique concepts like 29,000 gallons this year. From a home- are you going to use it for? Include this a meadery to get traditional financing, grown setup, Jennifer and Jeff are now in your business plan. even though they knew they had a great charting revenue in excess of $2.6 mil- idea, the backing wasn’t there to expand. lion and distributing to 37 states, across They say that choosing to do something Europe and Southeast Asia. They have Keep clear records. new breaks the mold, which can be un- plans for another expansion, including Track your cash, inventory, accounts comfortable for traditional lenders. a shipping warehouse to manage their payable & receivable, payroll, sales, online retail and wholesale orders. purchases, loans payable, owners’ equity, and retained earnings. Most lenders will want to see this data, balance sheets, and profit & loss statements for multiple years.

Talk to multiple lenders Talk to multiple lenders and see who best matches your business. Lenders have different levels of risk and types of industries they take on.

Check all options. SBA Lenders determine if you’re eligible for SBA financing programs based on your industry & experience, collateral, credit score, and the relationship & transparency you develop with the lending agent.

Jeff & Jennifer Herbert, owners of Superstition Meadery, completed their 7,450-square- foot production space and opened a tasting room in Prescott, AZ with the assistance of SBA-backed financing. See their story on YouTube by searching for the 2019 National COURTESY OF SUPERSTITION MEADERY Small Business Persons of the Year.

Small Business Resource Guide 25 FUNDING PROGRAMS

Lender SBA guarantees help small business owners and entrepreneurs who are Match creditworthy but don’t qualify for conventional financing. Find a lender interested If you cannot obtain a business loan with reasonable rates in working with you at and terms, contact your local SBA Lender to see if you are sba.gov/lendermatch. This matching tool eligible for SBA programs. The SBA works with participating connects entrepreneurs lenders to reduce their risk, increasing the likelihood your with SBA Lenders in loan will be approved with the terms that work best for you. your area. The guarantee is conditional on the lender following SBA program requirements. Just like with any other loan, you make your loan payments directly to your lender in accor- dance with your terms.

26 U.S. Small Business Administration FUNDING PROGRAMS SBA Lenders Our participating SBA Lenders serve the Dallas/Fort Worth Area. Contact the lender for more locations. ABILENE ARLINGTON ATHENS BURKBURNETT CELESTE Bank of Hope First Bank Texas Affiliated Bank Citizens State Bank FirstCapital Bank First Bank 2727 LBJ Freeway, 4201 Buffalo 3030 Matlock 713 E. Tyler of Texas of Celeste suite 115 Gap Road Road, suite 101 (903) 675-1522 301 S. Avenue D 301 N. Highway 69 (469) 522-4955 (325) 695-1885 (817)987-2179 or (940) 569-9000 (903) 568-4211 First State 214-755-4245 tammy.barton@ (817) 897-2193 dcremeens@ Bank Athens hans.yoo@ go2fbt.com cbiel@ fcbtexas.com bankofhope.com 130 E. Corsicana St. CENTER go2fbt.com affiliatedbank.com fcbtexas.com bankofhope.com (903) 676-1900 Shelby Savings tstattman@ First Financial Bank Bank of Texas affiliatedbank.com Bank CARROLLTON 111 Selma St. 4217 Swiss Ave. affiliated AUSTIN 401 Cypress St. #300 First Bank (936) 598-5688 (214) 515-1756 bank.com PlainsCapital Bank (325) 627-7349 Financial Centre 5956 Sherry Lane, 12319 N. Mopac, Chase Bank 2225 E. Belt Line suite 1100 unit A COLLEYVILLE 500 E. Border Road #301 (214) 346-3915 or ADDISON (512) 310-4223 Worthington (817) 856-5063 (469)491-1515 or (303) 291-2973 Amegy Bank, a National Bank (469)933-6156 division of ZB 4814 Colleyville BBVA BEDFORD carey.hofferber@ N.A. 3801 Matlock Road Blvd. 8080 N. Central Commercial Bank fbfcwi.com 4650 Beltline Road (817)420-5513 (817) 656-6201 Expressway of Texas fbfcwi.com (214) 754-6096 lai-yee.barnard@ (972) 735-3539 or 1716 Forest frostbank.com First (214) 215-8170 American Bank Ridge Drive COMMERCE frostbank.com Intercontinental (214) 808-9570 of Commerce (817) 354-8400 Guaranty Bank Pinnacle Bank Bank robert.zazula@ 5050 Quorum djohnson@cbtx. & Trust 2509 Old bbva.com Drive #100 2401 W. Park Row com Denton Road 1108 Park St. (972) 386-1212 (817) 277-2225 cbtx.com BMC Capital (469) 360-0748 or (903) 886-2274 (Bancshares Inc.) Bank of America Seacoast (972) 200-7078 Commerce Bank 3100 Monticello Ave. 15301 Dallas BENBROOK CORSICANA Hanmi Bank (940) 497-2085 Parkway, suite 850 2340 W. Interstate Pinnacle Bank 2640 Old Denton First State Bank (972) 455-5874 or 20, suite 228 9282 Benbrook BTH Bank Road #240 811 N. Main St. (469) 294-7101 (817) 468-1180 Blvd. 7702 N. Central (972) 509-7391 (903) 676-1900 Texas First Bank (817) 232-6645 accessbanktx.com Expressway Open Bank (214) 239-7437 ALEDO 2225 E. Randol Mill Road, suite 422 2540 Old Denton First Financial BONHAM DALLAS Chase Bank (817) 635-4522 or Road #314 Bank Fannin Bank Acclivity Financial 8111 Preston Road (817) 648-8217 (972) 236-2088 505 S. FM 1187 230 E. Third St. (Citizens Bank) (214) 360-3909 patricia. myopenbank.com (817) 341-5201 (903) 583-5522 9330 LBJ Freeway, Comerica Bank zelayandia@ james.lee@ [email protected] suite 900 1250 W. texasfirst.bank myopenbank.com ffin.com (214) 732-9952 or texasfirst.bank BRECKENRIDGE Mockingbird Lane, Northeast Bank (214) 754-6096 Citizens National suite 100 Texas Trust 2225 E. Beltline ALLEN Bank Amegy Bank, a (214) 678-8039 Credit Union Road, suite 301E Happy State Bank 301 W. Walker division of ZB rcthompson@ 5850 W. Interstate (972) 849-6080 & Trust (254) 559-3333 3014 Monticello Ave. comerica.com 700 Central Highway 20 Woori America (214) 754-9438 Commonwealth Expressway S., (817) 273-5910 or Bank BROWNWOOD American Business Bank suite 120 (972) 595-1202 1028 MacArthur Texas Bank Momentum 2164 Royal Lane (214) 383-5722 -1707 Drive, suite 108 400 Fisk Ave. Bank Dallas (214) 377-1015 or Worthington (972) 810-0166 (903) 657-1466; 8080 N. Central (214) 377-1020 National Bank (325) 649-9259 Expressway matthewc@cbb- 200 W. Main St. -9264 -9213 -9214 Suite 1080 bank.com (817) 303-6066 (469) 500-4142 cbb-bank.com Small Business Resource Guide 27 FUNDING PROGRAMS

Dallas Capital Bank Metro City Bank PMC Commercial Wallis State Bank PointBank FORNEY 14185 Dallas 9788 Walnut St., Trust (First 11135 Harry 1700 N. Carroll Blvd. City Bank in Forney Parkway, suite 200 suite 200 Western SBLC) Hines Blvd. (940) 686-7013 120 E. Main St. (972) 391-6250 (214)575-8316 17950 Preston (214) 716-4800 or (917) 564-3921 sethpark@ Road, suite 600 (214) 716-4812 East West Bank DUBLIN metrocitybank.com (972) 349-3200 or 2527 Royal Lane, Zions Bank First National Bank FORT HOOD metrocitybank. (972)349-3207 suite 155 7250 Dallas 825 N. Patrick St. Fort Hood bank loans@ (972) 488-5610 Parkway, suite 400 (254) 445-4400 National Bank pmctrust.com MidFirst Bank (650) 787-9548 109 TJ Mills Blvd. Frost Bank pmctrust.com 1920 McKinney Fort Hood 11701 Plano Road EARLY Ave., suite 900 Prosperity Bank (254) 554-4204 (214) 515-4992 DECATUR Mills State Bank (972)520-4351 3811 Turtle Creek First Financial 411 Bills Early Blvd. Great Southern mike.shillingburg@ Blvd., suite 1700 Bank (325) 646-0313 FORT WORTH Bank midfirst.com (214) 780-2084 8201 Preston Road, midfirst.com 608 W. Hale Ave. American Regions Bank (817)410-8727 Momentum Bank suite 305 EASTLAND Midwest 1717 McKinney [email protected] 6300 Ridglea Place (469) 232-9478 First Financial Bank Regional Bank Ave. #1100 ffin.com Suite 801 tbuss@great (254) 629-6152 2626 Cole Ave., (469) 608-2822 southernbank.com (817) 999-5088 suite 650 greatsouthern Resource One DENTON American National (469) 357-8181 or EL PASO bank.com Credit Union AccessBank Texas Bank of Texas (469) 878-4378 City Bank Texas Guaranty Federal 7518 Ferguson Road 320 W. Eagle Drive, 2720 W. Seventh St. Mutual of 7901 N. Mesa 14885 Preston- (214) 319-3144 suite 100 #201 Omaha Bank (915) 833-0267 x3202 Beltline State Bank of Texas (940) 382-3962 (817) 570-1001 5950 Sherry (972) 980-2777 11950 Webb First Guaranty Bank -1002 -1003 Lane #100 ENNIS Guaranty Bank Chapel Road 2209 W. BankUnited (214) 257-7550 Ennis State Bank & Trust (972) 252-6000 University Drive 201 Main St. NexBank 815 W. Ennis Ave. 16475 Dallas Park- T Bank (940) 255-7106 Suite 600 2515 McKinney, (972) 875-9676 way, suite 100 16200 Dallas eabaranosky@ (817) 339-1160 suite 1100 fgb.net (214) 710-2324 Parkway, suite 190 Colonial Savings (972) 934-4722 fgb.net FARMERS BRANCH Gulf Coast SBA (972) 720-9000 or 2600 W. Freeway North Dallas Bank Texas Security Lending (972) 720-9031 First State Bank (817) 390-2380 & Trust Co. 2430 W. Bank 5949 Sherry Lane Texas Security First Bank 12900 Preston Road University Drive 3212 Belt Line Road Suite 785 Bank (972) 716-7281 (469) 398-4800 or 1200 Summit Ave. (972) 685-6676 (940) 231-4958 1212 Turtle (469) 398-4846 Suite 103 -6674 -6685 One World Bank Creek Blvd. First United Bank james.harrod@texas (817)953-8729 or 2449 Walnut Hanmi Bank (214) 571-9595 or & Trust Co. securitybank.com (817)953-8727 Hill Lane (469) 398-4806 1517 Centre Place 11235 Harry texassecurity First Command (214) 206-3217 Drive, suite 240 Hines Blvd. Trinity Capital Bank bank.com Bank burkjohn.shaver@ (940) 349-5626; (972) 590-3143 1301 N. Riverfront (817) 763-0000 oneworldbank.com (940)349-5641; (800) Blvd., suite 100 FLOWER MOUND Hillcrest Bank, oneworldbank.com 924-4427; (940) First Financial a division of (972) 330-8525 American National Open Bank 349-5624 1000 Forest NBH Bank Bank & Trust 11494 Luna Road, Truist Bank dgreen@ Park Blvd. 3102 Maple Ave. 15150 Preston Road 1201 suite 101 firstunitedbank.com (682)703-6398 (512) 706-6907 or (972) 581-2804 (972) 874-7606 (469) 420-9400 tcorley@ [email protected] (214)756-6799 US Metro Bank firstunitedbank.com Celtic Bank ffin.com Pacific Premier JPMorgan 3010 LBJ Freeway firstunited 3036 N. Dumas 12001 N. Central First Guaranty Chase Bank Suite 665 bank.com Court Expressway #1165 Bank 700 N. Pearl St., (469) 730-0061 (817) 961-0188 (866) 468-1110 Guaranty Bank 2001 Handley Eder- 14th floor Veritex & Trust Zions Bank ville Road PlainsCapital Bank (214) 965-4247 1100 Dallas Drive (National Real (817) 953-2449 18111 Preston Community Bank Prosperity Bank 17950 Preston Suite 100 Estate) [email protected] Road, suite 220 fgb.net 2498 W. Illinois Ave. Road, suite 100 (940) 312-5753 2605 Sagebrush (972) 407-4374 (972) 578-5000 (214) 242-1871 Independent Bank Drive #212 400 N. Carroll Blvd. (972) 899-1623 (940) 591-1200

28 U.S. Small Business Administration FUNDING PROGRAMS

Independent Bank Texas Republic Grand Bank HENDERSON Texas LONGVIEW 1300 S. University Bank of Texas Texas Bank National Bank Austin Bank Drive, suite 100 2595 Preston Road 530 S. Carrier 1120 US Highway 79N (903) 586-0931 911 NW Loop 281, (817) 426-7003 Suite 100 Parkway (903) 657-1466 suite 100 [email protected] (972) 334-0700 (972) 264-4811 [email protected] (903) 295-4400 JEFFERSON independent- 2341 S. Belt texasbnk.com x1703 First National bank.com Line Road GARLAND Bank Hughes Bancorp South (318) 237-0245 HILLSBORO National Bank First Guaranty Bank Spring 3120 H G Mosley Citizens of Texas 603 Main St #101 202 N. Polk Parkway National Bank 2535 NE 28th St. (318) 478-1382 GRANDVIEW (903) 926-1526 or (903) 291-3900 200 E. Elm St. (817) 625-5511 [email protected] Grandview Bank (402) 602-3578 merritt.grimm@ (254) 582-2531 Spectra Bank fgb.net 105 E. Criner St. bxs.com bancorpsouth.com 2000 Handley Hanmi Bank (817) 866-3316 HOUSTON KEENE Ederville Road 4555 W. Walnut St. Grapevine Chase Bank East West Bank Pinnacle Bank (817) 548-6804 (972) 509-7391 or 116 E. South St. Bank of the West 9090 Katy Freeway, 309 S. Old (214) 427-3171 (903) 234-1642 Texas Capital Bank 108 W. Northwest third floor Betsy Road 300 Throckmorton, Texas Brand Bank Highway (832) 973-8916 (817) 558-2700 Citizens suite 200 1919 S. Shiloh Road (817) 310-3555 or paul.cheong@ National Bank (817) 399-9400 (817) 852-4076 or (972) 494-9816 eastwestbank.com KILGORE 200 N. Fredonia (469)399-8534 eastwestbank.com (903) 232-1696 Woodforest First Bank Texas Austin Bank debra.cheek@texas National Bank 301 E. State High- 1006 Stone Road Regions Bank capitalbank.com 5302 N. Garland Ave. way 114 HURST (903) 586-1526 or 3611 McCann Road clyde.thompson@ (972) 495-7971 (817) 601-0836 Liberty Bank (903) 983-5224 (903) 686-1366 or texascapitalbank. -0837 860 W. Airport bmorton@ (903)736-5158 com Freeway austinbank.com brad.bunt@regions. texascapital GATESVILLE First Financial (817) 479-1023 austinbank.com com bank.com National United Bank regions.com 811 Main St. 1015 W. NW High- First National Wells Fargo Bank IRVING (254) 404-6012 way Bank Hughes Spring Hill 201 Main St. Citibank Small (817) 722-8983 Spring State Bank suite 301 Business Lending [email protected] 5228 FM 1252 W. (903) 759-0751 (817) 676-5422 GILMER ffin.com 6400 Las (903) 984-0625 First National Colinas Blvd. Texas Bank First National (972) 655-1544; & Trust Co. FRISCO Bank of Gilmer Bank of Baird KILLEEN 300 E. Whaley Bank OZK 201 N. Wood (972)-653-4114; 301 E. State High- First National (903) 237-5665 5178 Preston Road (940) 843-4100 ( 972) 653-3561 way 114 james.e.polson@ Bank -5574 (469) 365-6221 (817) 601-0837 507 N. Gray St. citi.com Texas brandon.ward@ GLADEWATER (254) 554-4491 Premier Bank sheridan.p.kisser@ National Bank ozk.com Gladewater [email protected] Texas citi.com 612 E. Hawkins ozk.com National Bank 1stnb.com 1115 S. Main St. julie.stewart@ Parkway Customers Bank 678 N. Main St. (817) 329-5500 citi.com First Texas Bank (903) 663-0587 4760 Preston Road, (903) 845-5566 kendres@premier- online.citi.com 507 N. Gray St. suite 244-159 bank.com (254) 634-2132 (469) 971-6795 or LOTT GRAHAM myprovidence JACKSBORO (214)763-5069 Texas Star First State Bank bank.com Jacksboro msignorelli@ LEWISVILLE Bank SSB 1526 Fourth St. National Bank customersbank.com Prosperity Bank Bancorp (254) 584-3171 (940) 549-8880 910 N. Main St. customers 900 S. Main St. 3120 HG Moseley (940) 567-5551 bank.com (817) 287-5606 Parkway MANSFIELD GRAND PRAIRIE (903) 236-8700 Pinnacle Bank First National Bank BancorpSouth JACKSONVILLE 1700 E. Broad St. 4500 Preston Road HARKER HEIGHTS Meadows Bank 530 S. Carrier Austin Bank (817) 473-5979 (469) 633-8400 Texas Star Bank SSB 405 State Highway Parkway 200 E. Commerce 905 E. FM 2410 121 Bypass Landmark Bank (972)264-4811 or (888) 758-2265 or (254) 698-1800 MCGREGOR (903)-586-1526 Suite A250 11811 Custer Road (972) 352-6910 First National Union State Bank bmorton@austin- (972) 467-8714 (469) 850-3826 don.goldsmith@ Bank of McGregor 345 E. FM 2410 bxs.com bank.com 27000 US 84 (254) 953-8181 austinbank.com bancorpSouth.com (254) 840-2836

Small Business Resource Guide 29 FUNDING PROGRAMS

MCKINNEY MOUNT VERNON Capital One Bank Third Coast Bank Texas SULPHUR SPRINGS First Guaranty First National 7940 Dominion 1201 W. 15th St. Republic Bank Alliance Bank Bank Bank Parkway, building 2 (972) 265-0063 690 W. Campbell 100 W. Jefferson 8951 Synergy Drive (903) 537-2201 (817) 334-7354 or Road, suite 100 (903) 439-6809 Wells Fargo Bank (972) 529-3329 x2306 (682)261-0551 4975 Preston Park (972) 685-2044 City National Bank charrambide@ peter.ho@ Blvd., suite 200 Veritex 1133 Mockingbird fgb.net capitalone.com NACOGDOCHES (972) 599-5393 or Community Bank Lane fgb.net capitalone.com Commercial Bank (972) 599-4683 1301 E. (903) 885-5432 Texas Capital Capital Source, of Texas lynne.h.houk@ Campbell Road Guaranty Bank Bank division of Pacific 215 E. Main St. wellsfargo.com (972) 707-3295 or & Trust 2000 McKinney Western Bank wellsfargo.com/ (936) 715-4182 (214) 215-7555 919 Gilmer St. Ave., suite 700 5800 Granite Park- biz/sba rstringer@ (903) 885-3193 214-886-2395 way, suite 310 veritexbank.com NORTH RICHLAND jason.parsons@ (214) 619-1885 veritexbank.com HILLS POWELL texascapitalbank. TERRELL Liberty Bank Cathay Bank Powell State Bank com American 5801 Davis Blvd. 2001 Coit Road #160 100 Carr St. ROCKWALL texascapital National Bank (817) 479-1109 (972) 618-2000 x8248 (903) 345-2582 Lakeside bank.com of Texas 4100 Legacy Drive, National Bank 102 West Ave. suite 403 2805 Ridge Road ODESSA RICE (817) 570-1001 MESQUITE (972) 618-2000 (972) 771-8311 First State shirleycampbell@ First State Bank Southwest Bank First Bank Rice anbtx.com 917 Military 4800 E. 42nd St. National Bank 100 N. McKinney anbtx.com Parkway (432) 552-1001 SHERMAN 1300 Preston Road (903) 326-4121 (972) 290-2106 virginia.ruiz@ Ameristate Bank southwbank.com (972) 985-7300 2410 Loy Lake -2112 -2105 TEXARKANA southwbank.com Road Iberia Bank RICHARDSON Regions Bank (903) 813-4700 2500 N. Dallas BOK Financial 2000 Richmond MIDLOTHIAN PALMER Parkway, suite 100 333 W. First Road Vintage Bank Commercial (972) 941-1129 or Campbell Road National Bank (903) 832-0051 1431 S. Midlothian State Bank (682)888-4222 (214) 575-1925 2626 Loy Lake denis.washington@ Parkway (972) 449-2283 karen.thompson@ [email protected] Road regions.com (469) 672-8003 iberiabank.com bokfinancial.com (903) 813-4898 regions.com iberiabank.com PARIS East West Bank Independent Bank MINEOLA First Federal InTouch 275 W. Campbell 300 E. Taylor TOM BEAN City National Bank Community Bank Credit Union Road, suite 111 (903) 891-9999 First National 200 N. Pacific 630 Clarksville St. 5640 Democracy (972 )889-6688 Bank of Tom Bean (903) 569-6161 Landmark Bank (903) 577-1118 Drive 109 S. Britton 1825 N. Pacific Golden Bank 720 E. Peyton St. (214) 291-1716 or (903) 546-6275 (903) 569-8010 Lamar 301 S. Central (903) 892-1800 (214) 291-1721 rbridges@fnbtb. National Bank Expressway 200 S. Collegiate Prosperity Bank (972) 619-1206 com MINERAL WELLS SPRING fnbtb.com Drive 1201 E. 14th St. Titan Bank Prosperity Woodforest (903) 785-0701 (972) 461-7276 1701 E. Hubbard St. BankTexas National Bank 5851 Legacy Circle, TRENTON (940) 325-9821 Liberty 707 E. Arapaho 327 Rayford Road suite 1000 First National National Bank (214) 217-7056 (832) 375-2685 (972) 801-5717 Bank of Trenton 140 N. Collegiate Pavillion Bank MORAN Main Street 106 Hamilton (903) 785-5555 1200 W. First Financial Lending STEPHENVILLE (903) 989-2235 Campbell Road Bank 5800 Granite Interbank 400 Ground St. PLANO (972) 248-7515 150 N. Harbin Drive Parkway, suite 265 TYLER (325) 627-7952 BancorpSouth (254) 968-4125 (214) 619-1885 Southwestern Altra Federal 5550 Granite National Bank RBFCU Texas Bank Credit Union Parkway, suite 200 1131 N. MOUNT PLEASANT 1801 Dallas Parkway 998 Wolfe 5523 Troup (580) 583-1017 Jupiter Road Guaranty Bank (469) 344-1258 Nursery Road Highway (972) 301-5998 -5995 & Trust 5345 Towne Square (254) 965-3166 (903) 579-2208 500 N. Central 100 W. Arkansas Drive, suite 170 Expressway (903) 434-4271 (800) 580-3300 (972) 246-1279 x11016

30 U.S. Small Business Administration FUNDING PROGRAMS

American Southside Bank WEATHERFORD Pilgrim Bank Capital Certified North Texas National Bank 1201 Beckham Community 4301 Jacksboro Development Corp. Certified of Texas (903) 531-7111 National Bank & Highway 1250 Capital of Development Corp. 102 W. Moore Ave. Trust of Texas (940) 763-2265 Texas Highway S., 1255 W. 15th St. Spirit of (800) 837-6584 or 1901 Wall St. building 1, suite 600 Suite 500 Texas Bank (972)524-3411 (817) 599-4321 Austin Plano 3915 S. SW Loop 323 WILLOW PARK (214) 235-1280 or (972) 516-0514; American (903) 581-8100 or First First (972) 839-8819 (972)-658-5861; State Bank (903) 312-1213 Financial Bank Financial Bank (469)543-9337 5202 Old [email protected] 101 College 4100 E. I 20 Cen-Tex Certified wsmith@north- Jacksonville sotb.com Park Drive Service Road Development texascdc.com Highway (817) 598-2729 Corp. Texas Bank (817) 598-2786 (903) 266-5565 swoodring@ 2212 S. srega@north- and Trust [email protected] ffin.com ffin.com Congress Ave. texascdc.com -5551 2323 W. Grande Ave. ffin.com Austin rgrimes@north- Bank of Tyler (903) 579-8125 745 Adams Drive (512) 326-9006 texascdc.com 3921 Old NATIONAL LENDERS Texas National (817) 598-2734 northtexascdc. Jacksonville Bank of the West Certified com Bank of [email protected] Highway (505) 717-3356 Development Jacksonville PeopleFund (903) 266-2178 First National bankofwest.com Corp. of the 2133 Grande Blvd. 2801 Swiss Ave., Bank and Trust Co. Southwest BTH Bank (903) 944-7830 or First suite 120 220 Palo Pinto 610 S. Industrial 6657 Old (903) 586-0931 Commonwealth (469) 471-8953 (817) 598-4900 Blvd., suite 120 Jacksonville Bank (469) 998-0442 Euless Highway Plains Capital (214) 970-1160 or mmora@ WACO (469) 471-8953 (903) 252-1145 101 Santa Fe Drive (817)996.0273 First Guaranty peoplefund.org (817) 598-5410 gtabron@ Community peoplefund.org Citizens 1st Bank Bank fcbanking.com Certified 2001 E. Southeast 7600 Woodway Prosperity Bank Texas Certified fcbanking.com Development Loop 323 Drive 1111 Santa Fe Drive Development Co. Corp. (903) 581-1900 (254) 761-1043 (817) 287-5757 LiveOak Bank 1701 E. Seventh St. 8590 Highway 6 N. tmccartney@ (214) 289-2536 Austin Citizens Texas Bank Houston paul.moreno@ (512) 433-1175 or National Bank fgb.net Financial fgb.net liveoak.bank (713) 457-1650 107 Market 901 Santa Fe (800) 486-8620 liveoakbank.com East Texas Square Blvd. National United (817) 596-9998 Texas Certified Regional (903) 525-7300 5500 Bagby Ave. Newtek Development Development Co. x7524 (254) 297-6108 (212) 273-8273 Co. Inc. WICHITA FALLS 3800 Stone Road staylor@ 2591 Dallas Citizens TFNB-Your Bank American National Kilgore newtekone.com Parkway, suite 300 State Bank for Life Bank & Trust (903) 218-6411 or newekone.com Frisco 3915 S. SW Loop 323 901 S. Eighth St. 2732 Midwestern (903) 218-6400 ReadyCap (972) 731-4383 (903) 581-8100 (254)633-4518 Parkway chuck.vanderbilt@ Lending johnmills@ lrhodes@ (940) 397-2341 etrdc.com (973) 577-4735 mybankcsb.com tfnbtx.com FirstCapital Bank etrdc.com Participating tfnbtx.com/ [email protected] of TexasBank Microlenders sba-lending Greater Texas 2525 Kell Blvd., Participating First Bank & Trust Capital Corp. Business & suite 100 2211 Three Lakes Certified 3600 Old Bullard Community WAXAHACHIE (940) 763-2100 Parkway Development Road #403 Lenders of Texas Citizens National (903) 534-0003 First Bank Companies Tyler (BCL of Texas) Bank Waxahachie Prosperity Bank 4110 Kell Blvd. (903) 535-9229 or 1322 Record 200 N. Elm Alliance 1200 S. (940) 691-0000 x269 Lending Corp. (903)279-4484 Crossing (972) 938-4300 todd.buchanan@ Beckham Ave. FirstCapital Bank 1150 S. Freeway Dallas Vintage Bank getdcd.org (903) 593-1767 5030 Stone Suite 215 (214) 217-8808 300 Highway 77 N. getcdc.org Regions Bank Lake Drive Fort Worth LiftFund Texas (972) 935-5200 100 E. Ferguson (940) 264-2246 (817) 871-6444 LiftFund Texas 7800 N. Stemmons 16000 Bent Tree (903 )730-0704 or First National Ark-Tex Regional Freeway, suite120 Forest Circle (903) 504-1566 Bank of Development Co. Dallas Suite 636 chad.cargile@ Wichita Falls 4808 Elizabeth St. (888)215-2373 Dallas regions.com 3801 Fairway Blvd. Texarkana sbristow@liftfund. (972) 955-0432 regions.com (940) 687-3147 (903) 255-3538 com liftfund.com Small Business Resource Guide 31 PeopleFund GBC International Escalate Capital 2801 Swiss Ave., Bank Partners SBIC III suite 120 (626) 243-1167 300 W. Sixth St., suite Dallas [email protected] 2230 (469) 998-0433 or Austin Guaranty Bank (888) 222-0017 x150 (512) 651-2105 & Trust rzuniga@ escalatecapital.com (903) 886-2274 peoplefund.org mfreeman@gnty. Independent peoplefund.org com Bankers Capital Fund III First National Bank 1700 Pacific Ave., Community of Texas suite 3660 Advantage (254 )554-4491 Dallas Lenders jesse.bro@1stnb. (214) 722-6200 com Accion ibcfund.com (469) 909-8939 One World Bank LCM Healthcare us.accion.org (972) 243-7775 Fund I john.shaver@ Business & 1717 Main St., suite oneworldbank.com Community 3370 Lenders of Texas Spectra Bank Dallas (BCL of Texas) (817) 548-6804 (917) 676-6742 1322 Record Veritex Crossing LiveOak Venture Community Bank Dallas Partners IA (972) 713-1122 (214) 217-8808 805 Las Cimas kwalker@ Parkway, suite 125 Capital Certified veritexbank.com Austin Development Corp. Wallis Bank (512) 413-5886 1250 Capital of Texas (214) 716-4816 liveoakvp.com Highway S., building mak.kurani@ 1, suite 600 Main Street wallisbank.com Austin Capital III 1300 Post Oak Blvd., (214) 235-1280 or World Trade eighth floor (972) 839-8819 Finance Inc. (312) 443-8508 Houston LiftFund Dallas brush@world-trade- (713) 350-6039 7800 N. Stemmons finance.com mainstcapital.com Freeway, suite 120 Stellus Capital SBIC Dallas 4400 Post Oak (866) 215-2373 Small Business Parkway, suite 2200 liftfund.com Investment Houston PeopleFund Companies (713) 292-5414 2801 Swiss Ave., Blue Sage Capital II stelluscapital.com suite 120 114 W. Seventh St., Valesco Fund II Dallas suite 820 325 N. Saint Paul, (214) 942-6698 Austin suite 3700 (512) 536-1901 Dallas Export bluesage.com (214) 880-8690 Assistance Dos Rios valescoind.com Lenders Partners–A Dos Rios Partners Byline Bank 205 Wild Basin Road (847) 805-9647 S., building 3, suite dbranco@ 100 bylinebank.com Austin Comerica Bank (512) 298-0801 (214) 504-8113 dosriospartners.com jbivie@comerica. com

32 U.S. Small Business Administration FUNDING PROGRAMS Need Financing? Visit your local SBA office or lender to learn about these funding options.

The 7(a) Loan, the SBA’s Largest Financing Program If you cannot get conventional financing and you meet the eligibility requirements, use a 7(a) loan to buy real estate, equipment or inventory for your small business. It may also be used for working capital, to refinance business debt or purchase a small business. MAX LOAN AMOUNT: $5 million INTEREST RATE: generally prime + a reasonable rate capped at 2.75% TERMS: loan term varies according to the purpose of the loan, generally up to 25 years for real estate, 10 years for other fixed assets and working capital GUARANTEE: 50 to 90%

CAPLines Meet your revolving capital needs with lines of credit. CAPLines can Microloans be used for contract financing, seasonal lines of credit, builders line Eligible businesses can startup and grow with working capital of credit, or for general working capital lines. or funds for supplies, equipment, furniture and fixtures. Borrow from $500 to $50,000 and access free business counseling SBA Express Loan from microlenders. Featuring a simplified process, these loans are delivered by INTEREST RATE: loans less than $10,000, lender cost + 8.5%; loans experienced lenders who are authorized to make the credit decision $10,000 and greater, lender cost + 7.75% for the SBA. These can be term loans or revolving lines of credit. TERMS: lender negotiated, no early payoff penalty MAX LOAN AMOUNT: $350,000 INTEREST RATE: for loans less than $50,000, prime + 6.5%; for loans 504 Certified Development Company Loan of $50,000 and greater, prime + 4.75% For those who do not qualify for traditional financing, but would like to purchase/renovate real estate or buy heavy equipment for a small TERMS: loan term varies according to the purpose of the loan, gen- business. It provides competitive fixed-rate mortgage financing erally up to 25 years for real estate and 10 years for other fixed assets through a lender and a certified development company. and working capital MAX LOAN AMOUNT (UP TO 40% OF THE TOTAL PROJECT): GUARANTEE: 50% up to $5 million; $5.5 million for manufacturing or energy public policy projects Community Advantage A financing program for women, veterans, low-income borrowers, INTEREST RATE: below market fixed rates for 10, 20 or 25 year terms and minority entrepreneurs just starting up or in business for a TERMS: 20 or 25 years for real estate or long-term equipment, 10 few years. Receive free business counseling as you work with a years for general machinery and equipment community-based financial institution. GUARANTEE: the lender provides a senior loan for 50% of the proj- INTEREST RATE: prime + 6% ect cost (with no SBA guarantee); the CDC finances up to 40% in a junior lien position (supported by the SBA guarantee) TERMS: up to 25 years for real estate, 10 years for equipment and working capital SPECIAL CONDITION: a minimum borrower contribution, or down payment, is required, amounts vary by project but are usually 10% GUARANTEE: 75 to 90%

Small Business Resource Guide 33 FUNDING PROGRAMS Go Global with International Trade Stabilize seasonal sales and become less less dependent on any one market by exporting.

Expert Advice on Exporting Find an SBA professional in one of the 21 U.S. Export Assistance Centers, sba.gov/tools/local-assistance/eac, located in most major metro areas. The centers are also staffed by the U.S. Department of Commerce and, in some locations, the Export-Import Bank of the United States and other public and private organizations. Visit your local Small Business Development Center (see page 10) for exporting assistance from professional business counselors. COURTESY OF THE SBA

Expand your Market sales or for fixed assets, helping you better Small businesses can enter and excel in the compete globally. Apply for lines of credit international marketplace using State Trade prior to finalizing an export sale or contract Expansion Program grants and training. Visit and adequate financing will be in place by sba.gov/internationaltrade to find out if the time you win your contract. If you’ve your state is participating. been in business for at least a year, ask your Export Express uses a streamlined process You can: area SBA regional finance manager about that expedites the SBA guarantee—what the Export Working Capital program. The • learn how to export small businesses need most when preparing International Trade Loan program also helps to export or ramping up international trade • participate in foreign trade missions and exporters who have been adversely affected on a fast timeline. trade shows by foreign importing competition, helping MAX LOAN AMOUNT: $500,000 • obtain services to support foreign you better compete globally. market entry INTEREST RATE: typically not to exceed MAX LOAN AMOUNT: $5 million • translate websites to attract prime + 6.5% INTEREST RATE: for Export Working Capital, foreign buyers TERMS: up to 25 years for real estate, up to the rate is negotiated between borrower and 10 years for equipment, up to seven years for • design international marketing products lender. For the International Trade Loan, it lines of credit or campaigns also cannot exceed prime + 2.75% for loan amounts over $50,000 and maturity of seven GUARANTEE: up to 90% Financing for years or more. International Growth APPROVAL TIME: 36 hours or less Having trouble securing capital to meet your TERMS: For Export Working Capital, typically small business exporting needs? Use SBA one year, cannot exceed three years. For Help with Trade Barriers international trade programs to cover short International Trade Loans, up to If you need assistance with international or long-term costs necessary to sell goods 25 years for real estate, up to 10 years trade regulations, the SBA can be your ad- or services abroad. Loan proceeds can be for equipment. vocate in foreign markets. Call toll free (855) used for working capital to finance foreign 722-4877 or email your contact information GUARANTEE: up to 90% and trade issue to [email protected].

34 U.S. Small Business Administration COURTESY OF THE SBA

HOW THE SBA HELPED US SUCCEED Help with Trade Barriers Small businesses that qualify for the SBA State Trade Expansion Program use grant If you need assistance with proceeds to bolster their international market presence, which EarthQuaker De- international trade regulations, vices has done in a seismic way. A manufacturer of guitar special effects pedals in the SBA can be your advocate in Akron, OH, EarthQuaker has built an international social media fanbase delivering foreign markets. Call toll free (855) content in seven languages, generating millions of website page views. 722-4877 or email your contact EarthQuaker owners Julie Robbins & Jamie Stillman developed their global information and trade issue to marketing strategy and multilingual promo materials with the SBA State Trade Expansion [email protected]. Program. The couple also received global marketing counseling and research assistance from the Ohio Small Business Development Center Export Assistance Network. Small Business Resource Guide 35 FUNDING PROGRAMS R&D Opportunities for High Growth Startups Businesses engaged in high-risk research and development can compete to develop their tech to market. Do you work in one of these areas? » advanced materials » agTech » artificial intelligence » augmented reality and virtual reality » big data » biomedical » cloud computing » cybersecurity » energy » health IT » national security » sensors » space exploration

America’s Seed Fund The Small Business Innovation Research and the Small Business Technology Transfer programs, known as America’s Seed Fund, provide more than $3.5 billion each year in early stage capital through a competitive awards process.

How it works Every year, participating federal agencies announce topic areas that address their R&D needs. Topics include: » energy efficiency tech » remote exploration to outer space COURTESY OF THE SBA » New advances in devices for health research and diagnostic applications HOW THE SBA HELPED US SUCCEED Eligible businesses submit proposals to Killer Snails brings science out of the laboratory and into classrooms and living rooms win either grants or contracts and then with award-winning educational games, such as BioDive, Assassins of the Sea, and Bi- advance through three phases: ome Builder. The Brooklyn, NY-based business gained access to startup funding thanks » The proof-of-concept stage typically lasts to the Small Business Innovation Research seed funding program. Dr. Mandë Holford, from 6-12 months, and provides from left, Jessica Ochoa Hendrix, right, and Dr. Lindsay Portnoy envisioned how venomous $100,000-$225,000 marine snail research could be used in extended reality and digital learning to engage students and meet educators’ needs. The business has raised more than $1.2 million to » The full R&D period lasts about 24 support a team of full-time employees. Killer Snails’s tabletop, digital, augmented and months, and typically provides $600,000- virtual reality games have won national and international awards. $1.5 million

36 U.S. Small Business Administration FUNDING PROGRAMS

» The commercialization stage is when your small business seeks public or private funds for its venture or sells the innovation for a profit. Investment Capital How your startup benefits Looking for investors? For mature, profitable businesses The funding agency does not take an equity position or ownership with sufficient cash flow to pay interest, a small business of your business. The federal government also protects data rights investment company can help scale up your small business. and the ability to win sole-source phase three contracts. Some agencies provide additional resources beyond funding. Participating agencies: » Department of Agriculture » Department of Commerce › National Institute of Standards and Technology › National Oceanic and Atmospheric Administration » Department of Defense » Department of Education » Department of Energy » Department of Health and Human Services › Centers for Disease Control › Food and Drug Administration › National Institutes of Health How an SBIC works » Department of Homeland Security Investment companies with financing expertise in certain » Department of Transportation industry sectors receive SBA-guaranteed loans, which means » Environmental Protection Agency the federal government is responsible in case of default. These investment companies then use the SBA-guaranteed capital » NASA and private funds to invest in qualifying small businesses. » National Science Foundation Each SBIC has its own investment profile in terms of targeted Visit sbir.gov to find funding opportunities and helpful program industry, geography, company maturity, the types and size of tutorials, as well as past award winners, such as Qualcomm, financing they provide. iRobot, Illumina, and Symantec. Use the local resources locator tool to identify state and regional programs and resources avail- To be eligible able to assist with grant writing, commercialization, and business The majority of your employees and assets must be within the counseling in your community. United States. Some ineligible small businesses and activities include re-lenders, real estate, project financing, and foreign investment. Visit sba.gov and click on Funding Programs and then Investment Capital. Follow cus on Twitter for updates and an- nouncements or visit our events page to learn about outreach programs in your community. SBIR Road Tour For more information, Visit sbirroadtour.com and follow us @SBIRgov to learn about this annual national visit sba.gov and program and related events connecting tech entrepreneurs to the country’s largest source click on Funding of early stage funding, providing over 5,000 new awards annually. Programs and then Investment Capital.

Small Business Resource Guide 37 FUNDING PROGRAMS DISASTER ASSISTANCE COURTESY OF THE SBA

How I Did It Smiling After the Storm With SBA assistance, Stephanie Vitori rebuilt her Miami Beach, FL restaurant after Hurricane Irma. written by Jess Walker

Angus beef cheeseburgers sizzle on the flat- f you ask Stephanie Vitori, the person who coined the term “bit- top grill. Burgers are kept classic, no extra tersweet” must have run a business. In the 15 years Stephanie has frills. “People feel at home,” Stephanie says. owned Cheeseburger Baby, the Florida burger joint has endured “You’re not just another table somebody recessions, multiple hurricanes, and competition from corporate has to serve.” Here, everybody feels like franchises. She has grown along with Cheeseburger Baby, changing somebody, she says. So many people love a with each stage of the business lifecycle. good cheeseburger, which is why all kinds IVitori worked as a delivery driver before purchasing the business in of people are attracted to her restaurant. 2004. Since then, she’s expanded by purchasing two food trucks. She Cheeseburger Baby’s handcrafted patties runs an open kitchen, which means customers can watch their 100% have been featured on the Food Network and 38 U.S. Small Business Administration DISASTER ASSISTANCE FUNDING PROGRAMS

What to do after a Disaster Declaration After a disaster is declared by the President Register with FEMA at disasterassistance.gov or call (800) 621-3362, TTY (800) 462-7585, or visit a Disaster Recovery Center. Locations can be found at fema.gov/drc. Businesses are automatically referred to the SBA. Most homeowners and renters will be referred by FEMA to the SBA to apply for disaster loan assistance. You must complete the SBA application to be considered for assistance. If the SBA cannot help you with a loan for all your needs, we will in

COURTESY OF THE SBA most cases refer you back to FEMA. If you do not complete an SBA application, you may not be consumed by celebrities such as Jay-Z and Kanye West. Stephanie considered for assistance from other agencies. has met famous chefs “all through a cheeseburger.” But just as special to her is the Vietnamese couple who came in one day, speak- Express Bridge Loan Pilot Program ing little English. They were eager to meet Stephanie and show her Businesses affected by a Presidential disaster dec- a napkin with “Cheeseburger Baby” scrawled on it. On the other laration are eligible to receive expedited financing side of the world, a friend had told them to come, so they did. It all through an SBA Express lender. These funds may be just goes to show you, Stephanie says, people come together for a used for disaster-related purposes while the busi- great cheeseburger. ness waits for long-term financing through the SBA’s direct disaster loan program. Challenge Despite these sweet moments, there have also been bitter ones. Hur- Loan Amount: $25,000 ricane Irma struck in 2017, and Cheeseburger Baby lost equipment and Terms: up to seven years food supplies. Thirty percent of sales blew away with the wind. “It was Guarantee: 50% a zombie zone in South Beach. People were scared to come since they thought everything was destroyed,” Stephanie says. “It was the rough- After a disaster is declared by the SBA est road I’ve ever traveled.” Businesses of all sizes, nonprofits, homeowners, Solution and renters are eligible to apply An SBA disaster assistance loan aided Cheeseburger Baby’s recovery. for an SBA disaster assistance The SBA provides direct low-interest loans to businesses of all sizes, loan. Visit a Business Recov- nonprofits, homeowners, and renters to repair damage or replace ery Center or Disaster Loan property not covered by insurance or other forms of assistance. SBA di- Outreach Center in your area or saster assistance loans can also be used to rebuild stronger, protecting visit disasterloan.sba.gov/ela to apply for a loan. your home or business against future damage caused by a disaster. The You can also call the SBA customer service center SBA also introduced Stephanie to her local Small Business Develop- at (800) 659-2955, TTY (800) 877-8339, and ask for an application package. FEMA grant assistance for homeowners or renters is not available under an SBA declaration. Information you need to get started: Once safety and security needs are met, the SBA helps get • address of damaged residence or business and you and your community back to where you were before the contact information disaster. Since low-interest SBA disaster assistance loans are • insurance information, including type of insur- government aid, creditworthiness and the ability to repay ance, policy numbers, and amount received are taken into consideration before a loan is awarded. For • household and/or business income information visit sba.gov/disaster. • description of disaster-caused damage and losses

Small Business Resource Guide 39 FUNDING PROGRAMS DISASTER ASSISTANCE

Get Ready The Ready Business program, ready.gov/business, gives step-by-step guidance on how to prepare your business for a disaster. The series includes prepared- ness toolkits for earthquakes, hurricanes, flooding, power outages, and severe winds/tornadoes. Spanish materials are available. COURTESY OF THE SBA ment Center, which provided assistance Don’ t Wait with financing options and marketing. Take steps now to protect your business and reduce property damage with She continues to meet with SBDC advis- ers to remain competitive in an ever- the help of an SBA disaster assistance loan. Those affected by a disaster can changing economy. rebuild stronger by increasing their SBA loan up to 20% of the verified physi- During disasters, the responsibil- cal damage to make mitigation improvements. Borrowers have two years after ity falls on the owner’s shoulders. loan approval to request an increase for higher rebuilding costs, code-required But one lesson Stephanie has learned upgrades or mitigation. is the value in reaching out to others for assistance and counsel. While her brick-and-mortar restaurant was be- ing rebuilt, she sold from a food truck. When the restaurant was operational again, she advertised that with spray paint on the plywood covering the broken windows. Stephanie and her wife, Gabrie Vitori, rebuilt Cheese- burger Baby by depending on each other and SBA assistance. See their story on YouTube by searching for the 2019 Phoenix Award for Small Busi- Keep in mind ness Disaster Recovery. “You’ve got to Since an SBA disaster loan is a direct loan from the gov- have resiliency. You’ve got to swallow your pride sometimes,” Stephanie ernment, other organizations may reduce or not award says. “But you also have to believe in you a grant if you have received an SBA loan or other as- your product.” sistance for your disaster loss. Be sure to check with the Benefit organization offering assistance to see how an SBA loan For Cheeseburger Baby, that product will might affect your eligibility for their program. In general, continue satisfying the burger hanker- recovery expenses covered by insurance, FEMA, or other ings of locals, celebrities, and tour- ists alike. Vitori sees expansion in her forms of assistance may reduce the amount provided by future—she’d like to have a brick-and- your SBA disaster assistance loan. mortar restaurant and food truck in each growing town in South Florida. “My whole life is this. I’ve always felt a love for business ownership, ” Stephanie says. “That drive keeps you going.”

40 U.S. Small Business Administration Small Business Resource Guide 41 FUNDING PROGRAMS Surety Bonds SBA-backed surety bonds help small businesses succeed.

Eligible small businesses in the construction, supply, and service sectors better compete for contracting and subcontracting jobs using SBA- backed surety bonds.

How you benefit Surety bonds help small businesses receive the bonding assistance they need to win contracts by providing the customer with a guarantee the work will be completed.

How surety bonds work Many contracts require surety bonds, which are offered by surety companies. The SBA guarantee provides an incentive for surety companies to work with small businesses that would normally not be able to obtain the bond.

Is the program right for you? Small businesses that often come to the SBA for surety bonds: » startups and firms in business less than three years

» businesses with credit issues COURTESY OF AZTEC CONTRACTORS or internally prepared financial statements HOW THE SBA HELPED ME SUCCEED » those who cannot secure bonding With SBA-backed surety bonds, Frank Spencer III has been able to better compete for through regular commercial channels commercial and government contracts. Aztec Contractors of El Paso, TX received the » subcontractors with a desire to bonding support it needed to compete for construction contracts with the General establish their own bonding as a Services Administration, U.S. Army Corps of Engineers, and the Mission and Installa- prime contractor tion Contracting Command. Frank acquired Aztec in 2006 with no capital and only two employees. Now he employs 25 full time and provides internship opportunities. Sales » those wishing to increase their have grown to about $30 million annually. Aztec now qualifies for bonding in the stan- current bonding limits dard surety market without SBA support.

42 U.S. Small Business Administration For all contracts and subcontracts up to $6.5 million, the SBA guarantees bid, payment, performance, and ancillary bonds issued by surety companies. For federal contracts up to $10 million, the SBA makes a guarantee if it’s in the best interest of the government.

The SBA reimburses surety companies in case of default 90% of losses sustained for veteran & service-disabled veteran, minority, 8(a), and HUBZone-certified small businesses, and all projects up to $100,000. The SBA reimburses 80% for all other small businesses.

Need a surety bond guarantee fast?

For contracts under $400,000, the process is streamlined using the SBA QuickApp program. » easy application » no need to submit financials to the SBA » online applications submitted to SBA authorized agents approved within hours

Ready to start? The SBA partners with 40 surety companies and hundreds of bonding agents. Find authorized agents at sba.gov/osg. Do you want to discuss the advantages of the SBA Surety Bond Guarantee program? Contact a bonding specialist:

Tamara E. Murray Office of Surety Denver, CO Guarantees (303) 927-3479 (202) 205-6540 Jennifer C. Bledsoe Washington, DC (202) 205-6153

Small Business Resource Guide 43 CONTRACTING Doing Business with the Government

How I Did It COURTESY OF THE SBA Taking the Helm Jennifer Rahn steers Admiral Engineering and Manufacturing to success as a government subcontractor. written by Micaela Morrissette

44 U.S. Small Business Administration CONTRACTING

Tips for 5Success Find a mentor. I had a great mentor in my company, and I reached for opportunity when it was in front of me.

Always move forward. The SBA has educational resources to improve your business knowledge. To learn more about government contracting and SBA certification programs, call your local SBA district office or procurement center representative.

Compete smart. See if your company can use the SBA Subcontracting Network database, https://eweb1.sba.gov/ subnet/client/dsp_Landing.cfm. SubNet connects businesses with subcontractors & small businesses with contract opportunities.

COURTESY OF THE SBA Know your industry. I see everything; I have my hands in ennifer Rahn was first hired as One of their largest clients, aero- everything. I don’t want to expand to an office assistant at Phoe- space and defense company L3 Tech- where I can’t do that anymore. nix, Arizona-based Admiral nologies, nominated Admiral for the Engineering and Manufactur- SBA Subcontractor of the Year award. ing Co. Rising to the top in a As a subcontractor for L3 Technologies, Build a team. sector dominated by men, Rahn’s career Rahn said she gets great satisfaction Everybody feels like this is our work Jsounds a lot like the classic American suc- family. My employees are as big a part from knowing soldiers are able to com- cess story. She got there with the help of municate with their leaders because of of my company as I am, so I make sure a mentor and business growth earned as a parts her company has made. they know that. federal government subcontractor. When Schlosser decided to retire, For 16 years, Rahn worked side-by- he asked Rahn to purchase Admiral. contractors. She’s grateful prime con- side with then-owner David Schloss- “He did not want to sell to a corpo- tractors have incentive to subcontract er, who became her mentor. Rahn ration that would bring in their own with small business, and that helps says she learned “everything it takes people or end up foreclosing,” Rahn businesses like Admiral. to run a machine shop. I naturally just says. “Then all your hard work is gone. Rahn has plans to grow, but not in picked it up and wanted it.” I agreed because it was everything I had the typical ways. She’s investing in The learning curve was steep—Admiral spent my life working on, too.” replacing equipment, enhancing ef- specializes in complex machined parts for In September 2017, she took over ficiency and productivity while leading industries including aerospace and com- as owner and president. Ownership Admiral into new arenas like 3D print- munications—and Schlosser expected as transition poses a unique set of chal- ing. Because of the stability provided much as he gave. “When I did something lenges. Rahn wanted to maintain re- by being a government subcontractor, wrong, he told me, and I didn’t do that lationships with her existing clients, she’s able to do all of this. again,” Rahn said, laughing. which include major government

Small Business Resource Guide 45 CONTRACTING How to do business with the government Consult your local Small Business Develop- Obtain a free DUNS number at fedgov.dnb. ment Center (see page 10) or Procurement com/webform. A Unique Entity ID managed by 1 Technical Assistance Program adviser. Find 5 Ernst & Young will replace DUNS in late 2020. your closest center at aptac-us.org. Register with the System for Award Search https://beta.sam.gov to see if any Management (sam.gov). federal agencies are looking for your product 6 2 or service. Search the SBA SubNet database for subcontracting opportunities. Research SBA certification programs like the 8(a), woman-owned small business, and HUB- Attend an SBA district office contracting work- 7 Zone programs. If eligible. upload all required shop. Visit sba.gov/localassistance to find documents to certify.sba.gov before you 3 your local office. submit an offer on a contract.

Identify your product or service number at 4 naics.com.

Small businesses power our economy.

The SBA powers small businesses.

During these uncertain times, we’re still here for you. Whether you’re in need of financial assistance or reworking your business plan, SBA has your back… because small business is our business.

Contact sba.gov/tx/dallas to learn how to move your business forward with confidence.

46 U.S. Small Business Administration Small Business Resource Guide 47 CONTRACTING SBA Certification Programs Your business could profit and gain valuable work experience by providing goods or services to the government.

Contracting certification programs are designed to help you better compete for and win federal contracts set aside for small busi- nesses. Visit sba.gov/contracting to learn more about set-asides and whether one or more of these government certification programs is right for your business. To see if you are eligible and to then certify as 8(a), woman-owned, All Small Mentor Protege or HUBZone, visit certify.sba.gov.

8(a) Business Development Program If you’re an entrepreneur who is socially or eco- nomically disadvantaged, you may be eligible to receive business training and government contracting assistance through the 8(a) Business Development Program, sba.gov/8a. It includes free business development education, training workshops, and match-making opportunities with federal buyers. Firms owned by Alaska na- tive corporations, Indian tribes, Native Hawaiian organizations, and community development corporations are also eligible for 8(a) business development assistance. To be eligible for the 8(a) program, your small business must: » be owned and controlled by U.S. citizens who are socially and/or economically disadvantaged » demonstrate at least a two-year track record and have potential for continued success » have a net worth and an adjusted gross income of less than $250,000 and assets

COURTESY OF THE SUNDANCE CONSULTING SUNDANCE THE OF COURTESY under $4 million Socially disadvantaged: those subjected to HOW THE SBA HELPED ME SUCCEED racial or ethnic prejudice or cultural bias with- September Myres knew that becoming a government contractor would empower her- out regard to their individual qualities because self and other native peoples, while also growing her small business to the next level. of their identity as members of certain groups. She sought business development assistance from the SBA, qualifying for the 8(a) Busi- The following groups often fit this status: Black ness Development Program, which helps small disadvantaged businesses compete in Americans, native Americans, Alaska natives, the federal marketplace. This program helped September strategically grow her com- native Hawaiians, Hispanic Americans, Asian pany to become a competitive force in the environmental services industry. Sundance Pacific Americans, and subcontinent Asian Consulting of Pocatello, ID has secured Department of Defense contracts to improve Americans. A person who is not a member of Native American lands adversely affected by past department activities. one of these groups must establish that it is American Indians, Alaska natives, and native Hawaiians seeking entrepreneurial more likely than not that he or she has suffered development training can start, grow, and expand their business with the help of social disadvantage. the SBA, sba.gov/naa. The Office of Native American Affairs also consults with tribal Economically disadvantaged: those whose governments prior to finalizing SBA policies affecting tribes. ability to compete in the marketplace has been

48 U.S. Small Business Administration CONTRACTING

By the Numbers Woman-Owned Small The U.S. government is the largest single purchaser of Business Certification goods and services in the world awarding over Here’s how to get certified so you can more easily com- pete for government contracts. $500 billion in prime contracts 1. Make sure you’re eligible annually, 23% is set aside for small » The business must be owned and controlled by one or more women who are businesses. U.S. citizens. What types of small » A woman must hold the highest officer position. businesses benefit? » Women must manage the daily business operations on a full-time basis and • 5% are small & disadvantaged conduct long-term decision making and planning. • 5% are women owned To qualify as an economically disadvantaged woman-owned small business, the business owner and/or manager must also meet certain income and asset • 3% are HUBZone certified requirements. Find out more at sba.gov/wosb. • 3% are service-disabled vet- eran owned impaired because they have not had as much 2. Register capital and credit opportunities compared to others in the same or similar line of business. » Register with the System for Award Management (sam.gov) to start doing busi- The benefits of the 8(a) program: ness with the government. » You are assigned an SBA professional to help coordinate business development 3. Certify assistance. » You could be awarded an 8(a) sole-source » Submit your documents to certify.sba.gov. The SBA will offer free certification contract up to $4 million for goods and starting in late summer 2020. Or obtain certification from one of the SBA’s ap- services, $7 million for manufacturing, proved third-party certifiers (which costs a fee): exceptions apply. • El Paso Hispanic Chamber of Commerce What is an 8(a) sole-source contract? A direct awarding of a contract to an 8(a) small business • National Women Business Owners Corp. that can provide the needed services. This is an accelerated process saving time for both • U.S. Women’s Chamber of Commerce you and the government agency or office. • Women’s Business Enterprise National Council All Small Mentor-Protege Program Looking for an opportunity to partner with a 4. Update your status more experienced firm for mentorship? That » effort can be rewarded in the All Small Mentor- Update your status as a woman-owned small business in sam.gov. Protege Program, sba.gov/allsmallmpp. At the same time you’re gaining invaluable direction and experience, you and your mentor 5. Search the database can compete for government contracts, further growing your business. » Search beta.sam.gov for your new business opportunity. You must receive your certification prior to submitting an offer on a contract set aside for a woman- To qualify for this program: owned small business. » Proteges must have a mentor prior to ap- plying for the program. Visit your local SBA Small Business Resource Guide 49 CONTRACTING

office for guidance. Ask about the SBA’s Resource Partners and the Procurement Technical Assistance Program for help in Get Expert Contracting & connecting you with a mentor business. Certification Help » You must be certified as a small business within your NAICS industry classification Federal contracting can be complex, but you don’t have to do it alone. A Procurement (naics.com). Technical Assistance Center adviser can help you determine if your business is ready for government contracting. An adviser can also help you register in the System for » Mentors and proteges must be organized Award Management (sam.gov) and see if you’re eligible for any small business certifi- for profit or as an agricultural cooperative. cations and/or programs. Visit sba.gov/localassistance to find one-on-one counseling » Mentors cannot own more than 40% that is free or low cost. (see page 10). equity in the protege’s business. Procurement Technical Assistance Center » An SBA determination of affiliation must Cross Timbers PTAC at the Center for Innovation not exist between the mentor and the Director Gregory James protege. All Small-approved partnerships 202 E. Border St., suite 323 receive an exclusion of affiliation for con- Arlington tracting purposes. (817) 272-5978 uta.edu/crosstimbers HUBZone Businesses located in historically underused business zones, sba.gov/hubzone, can gain special access to federal contracts. To qualify for the certification, your small business must: » be owned and controlled by U.S. citizens, Regional/State a community development corporation, an agricultural cooperative, Indian tribal Contracting Programs government, Alaska native corporation, or a native Hawaiian organization Statewide Historically Underutilized Minority Business Enterprise; Business Program certification State of Texas HUB; Small Business » have a principal office located in a HUB- Texas Comptroller of Public Accounts Enterprise certifications Zone, which includes Indian reservations 1711 San Jacinto Blvd. Supplier Diversity Program Private Sec- and military facilities closed by the Base Austin tion Programs Realignment and Closure Act. Enter your (512) 463-5872 or (888) 863-5881 Dallas/Fort Worth Minority Supplier address in our interactive map, maps. comptroller.texas.gov/purchasing/ Development Council , to see if certify.sba.gov/hubzone/map vendor/hub 8828 N. Stemmons Freeway, suite 550-B you qualify. Airport Concessionaire Disadvantaged Dallas » have at least 35% of your employees living Business Enterprise; Disadvantaged (214) 920-2436 in a HUBZone Business Enterprise; Minority Business dfwmsdc.org/mbe-certification.html Service-Disabled Enterprise; Women Owned Business Women Business Enterprise; Women Enterprise certifications Owned Small Business; State of Texas Veterans North Central Texas Regional Certifica- HUB certifications If you’re a service-disabled veteran looking tion Agency Women Business Council–Southwest to enter the federal marketplace, you may be 624 Six Flags Drive, suite 100 5605 N. MacArthur Blvd., suite 220 eligible for this small business certification. Arlington Irving To determine your eligibility, contact a veter- (817) 640-0606 x25 (817) 299-0566 or toll free (866) 451-5997 ans business development officer at your lo- nctrca.org wbcsouthwest.org/contact cal SBA office, or the SBA’s Office of Veterans Business Development, sba.gov/ovbd. After Disadvantaged Business you have set up to do business with the gov- Enterprise certification ernment in sam.gov, update your status as Texas Unified Certification program a service-disabled veteran business. Keep in Texas Department of Transportation mind, the SBA does not officially certify this 125 E. 11th St. designation, so when a contract awarded Austin based on this eligibility is protested, the SBA (800) 558-9368 will determine if your business meets the txdot.gov/inside-txdot/division/civil- eligibility status, ownership and rights/tucp.html control requirements.

50 U.S. Small Business Administration Small Business Resource Guide 51 52 U.S. Small Business Administration