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AUTHOR Farnan, Mary Leahy TITLE Crossing the Bridge to Self-Employment: A Federal Microenterprise Resource Guide. INSTITUTION Federal Deposit Insurance Corp., Washington, DC. SPONS Department of the Treasury, Washington, DC.; Small Business AGENCY Administration, Washington, DC. PUB DATE 2001-01-00 NOTE 202p.; "A joint effort of the Interagency Workgroup on Microenterprise Development." AVAILABLE For full text: FROM http://www.fdic.gov/consumers/microenterprise/microenterprise.pdf. PUB TYPE Guides Non-Classroom (055) Reports Descriptive (141) EDRS PRICE EDRS Price MF01/PC09 Plus Postage. DESCRIPTORS Agency Role; Annotated Bibliographies; Block Grants; Case Studies; Community Development; Employed Women; Employment Opportunities; *Entrepreneurship; Federal Regulation; *Financial Support; Glossaries; Guidelines; Low Income; Minority Groups; Online Systems; Program Descriptions; Program Development; *Public Agencies; *Resource Materials; Rural Areas; *Self Employment; *Small Businesses; Urban Areas IDENTIFIERS Business Loans; Department of Agriculture; Department of Commerce; Department of Health and Human Services; Department of Housing and Urban Development; Department of Labor; Department of the Treasury; *Microenterprises; Small Business Administration

ABSTRACT This document, which is intended to assist aspiring entrepreneurs wishing to establish a microenterprise, describes the federal programs that are available to assist entrepreneurs. The introduction provides an overview of the Interagency Workgroup on Microenterprise Development, which was formed by seven federal agencies to encourage continued development of microenterprise in the United States through policymaking, support, technical assistance, and funding for microenterprise programs. The next section presents overviews of 13 programs offered by the following federal agencies: (1) Department of Agriculture;(2) Department of Commerce (3) Department of Health and Human Services;(4) Department of Housing and Urban Development; (5) Department of Labor;(6) Department of the Treasury; and (7) Small Business Administration. The programs profiled in the overview include programs targeted toward the following groups: residents of rural areas; minority group members; low-income individuals; refugees; and women. Next, services available from six regulatory agencies are detailed. The final section presents case studies of programs offered by eight federal agencies. Each case study includes the following items: program contact information; program overview; program results; key players and their contributions; funding sources and uses; and special considerations. A primer of microenterprise terms and list of regional and local contacts are appended. (MN)

ENTIREDOCUENT: POOrPRIVTQUALITY Reproductions supplied..by.aRS are the best that can be made from the original document. ED 466 938 0 EDUCATIONAL RESOURCESOffice of Educational INFORMATION ResearchU S DEPARTMENTand Improvement OF EDUCATION CENTER (ERIC) -. improveMinororiginatingreceivedThis document changes reproductionfrom it the havehas person been been quality orreproduced made organization to as r officialdocumentPoints OERI ofdo view positionnot necessarilyor opinions cr policy representstated in this

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BEST COPY AVAILABLE Contributors callyfederalenterpriseIndividuals provided and programs involved local substantial level atwith enthusiasti-both micro- amounts the of CommunityBoardLuciniaFederal of Governors MundyReserve Affairs Specialist System of the CommunityMauriceofOffice Programthe Currencyof Zeitlerthe CoordinatorDevelopment Comptroller Lending OfficeofUnited MarketingErinCommerce of ButlerStates Communications Associate Department thisinformationwould publication be abouta comprehensive to theirensure programs that and it for SamMarjorieCorporationSeniorFederal Collicchio BradshawWriter-Editor Deposit Insurance SonjaOfficeProgramLouise Whiteof ThriftBatdorf Analyst Supervision ofTraciand CommerceUnitedEconomic Marketing deWid States Adjustment Department Specialist specialstoryariesworthwhile fromwere thanks the a vital resource.microentrepreneurs. is extendedlink in Thegetting to intermedi- all the A VisualMaryCommunityElaine Information Leahy Drapeau Affairs Farnan Specialist Specialist C======gttCoordinatorUnitedNational States Community Department Affairs PhiladelphiaCorporationCooperativeExecutiveR. Michael Director Diemer Business Regional Assistance microentrepreneurserously allowed their - those story who to begen- told CounselMaunel Palau of RuralDeputyWilliamAgriculture Business AdministratorHagy Cooperative Service Ma====EconomicOffice Staff Adjustment Division =17=13 nationandcess others. are and the Theirgrowth foundation drive of micro-enterprise and of determi-the suc- OfficeExternalRobertaFederal of HousingLiaisonYoumansCommunications Finance Board JamesYWCADepartmentDirectorGinny MarinoofE. NewWaters for EconomicCastle County Advancement butionsprogramsedged.listed of below Theiratthe every persons aretime level.gratefully and energyThe contri-acknowl- made SpecialWilliamAdministrationNational AssistantBerens Credit Union to the Director CommunityDirector and Business Programs this publication possible.7 BethexTreasurer/ManagerJoyCreditOffice Cousminer Unionsof Federal Community Credit Development Union 8 MartaHealthUnited Brenden andStates Human Department Services of of UnitedHousing States and Urban Department Development SpecialistMaria Ortiz of Unitedthe Treasury States Department CarmelOfficeDirector,Management of Clay-Thompson Refugee Division Specialist Resettlement of ViceDirectorBenitaBankMichael President of Davis America Croom SunSmallVerleonCommunityManager Trust Business Pope Bank Planning Underwriting and Development JeannineFormerEllenSenior Lazar PolicyJacokesDirector Officer ChairmanJohnOfficeCommunity Else, of Refugee Ph.D. Resettlement, Resettlement CorporateJeffDirectorEntrepreneur Gish Community Guidance Reinvestment and Training, Inc. andPhilMetropolitanDirector HousingRyan of AgencyDevelopment Development CommunityNortheastPresidentMaryInstitutions Mathews Development Entrepreneur Fund Financial Fund, Inc. CoastalSeniorEllenEconomicInstitute Golden Program Enterprises,for Development Social Officer and Inc. - East CommunityTrishAmFirst South Greer Union Bank Development Bank Officer BrendaSeniorBeckyUnion SandersVice Therry Planters President Bank HelenDeborahFormerPublic Szablya Affairs SmithExternal Specialist Affairs Officer JOLTNolan Program Lewis Manager andCommunityAssistantPaulMetropolitan Housing Johnson Director Development Agency Development ofUnitedCommunity RepresentativeLabor States Planning Department and Development UnitedPamelaFinancial States Williams and Small Program Business Analyst EntitlementActingSue Miller Director Communities Division JonAccessibilityPresidentVictoria Messenger Fox Solutions, Inc. SherryeEnterpriseDanielAdministrationFormer Dusterberg Henry Executive Development Director Corporation ofNewProgramCarolynResearch Labor York Peterson-VaccaroDirector TeamState LeaderDepartment JodyBusinessOfficeAssistant Raskind of Women'sOwnershipAdministrator OfficeAssociateCharlesMicroenterpriseChief of TanseyCapital Deputy DevelopmentAccess Administrator Branch 4. ffi BEST COPY AVAILABLE 12 Table of Contents i Acknowledgements 28 Regulatory Agencies 2ii IntroductionContributors 313029 NationalFederalBoard ofCredit HousingDeposit Governors Union InsuranceFinance ofAdministration the Board FederalCorporation Reserve System 65 RuralUnitedFundingProgram Business-Cooperative States Agencies Overviews Department Service of Agriculture Business Programs 35 3332 CaseOffice Studies of Thriftthe Comptroller Supervision of the Currency 121110 UnitedRevolvingMinority StatesStates Business Loan Commercial Department Fund Development Program Service of HealthCommerce Agency Special and Initiatives Human Services '44484036 UnitedUnitedNational States States Credit Department Department Union Administration of HealthCommerceof Agriculture and Human Services 171615 CommunityUnitedOfficeJob Opportunities of States Refugee Development Department Resettlement for Low-Income Block of MicroenterprifieHousing Grant Individuals Program and Urban Development Development Project 64605652 United States DepartmentSmallDepartment Business of of Treasury LaborAdministration Housing and Urban Development 1918 CommunityUnitedSelf-Employment States Development DepartmentDepartment Assistance Financial ofProgramof Treasury LaborInstitutions Fund Programs. 937069 RegionalAAppendices Primer andof Microenterprise Local Contacts Terms 27262423 OnlineWomen'sMicroloanProgramUnited Women's BusinessStates for Program Investment Business Small Center Business CenterinProgram Microentrepreneurs Administration 3 BEST COPY AVAILABLE 14 If6

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The and urbanized tomaximum Industryany one or andnonprofitships,individuals, private cooperatives, corporations, companies.corporations, public Indian All partner- programsbodies, tribes HereDevelopmentare administered is a brief State description through Office. the of eachRural of 6 o 5 BEST COPY the seven businessAVAILABLE programs offered. r,6;., GuaranteedTheBusiness Business and Loan Loan and Industry Program IndustryProgram helps immediatelythan 50,000 adjacentpeople and urbanized their Program'sTheProgramIntermediary Intermediary purpose Relending Relending is to finance businesses,Loans must expandbe to establish existing new busi- toprogrambackingeconomiescreate 90 percent jobs for provides byruraland ofproviding stimulateabusinesses. guaranteesloan made financial rural The byup a savingsunions,orrecognized urbanizingstate insuranceandchartered lenders loan areas). associations, companies,banks, include Generally, credit federal Thecitiesareasdevelopmentbusiness Rural of(including more facilities Business-Cooperative projectsthan all areas25,000and in community rural other people). than opportunities,mentornesses, create projects. generate community save existing employment develop- jobs commercialtypesingsmachinerymay andbe of used debtreal lender. and estate,forrefinancing. equipment, workingLoan and proceeds certaincapital, Thebuild- bankgagedirectCreditFarm holding companyCredit lendingSystem Banks company, authority, institutionsthat oris otherpart anda mort- ofwith Farmthe a lishmentdevelopmentbusinessariesService who makes offacilities relend revolving through loans funds or communityloan tothe intermedi-for estab-funds. erativesagencies,nonprofitEligible applicants Applicantsthat corporations, Indian meet groups, include the criteriapublic or private coop- of achievedandinimproveprimary maintainrural by communities. purposethe expanding employment economic is to theThiscreate climate and lend- is andTheCorporation.National Industrymaximum Rural Guaranteed aggregate Utilities FinanceBusinessLoan incometointermediaryAll ultimateloan andfunds recipients. fees must received may be reloaned beInterest by used an berspercenttionsmaythe program. beofor both privateindividuals.of the intermediaries Ultimate ownersor public At leastrecipientsor organiza- mem- and51 videandruraling capability service lastingareas, communityhelpingquality of private loans them lendersbenefits. thatto make pro- in borrowerthatEligible can be is Applicants $25offered million. to any one . theretirement.assistancefor administrativeoperation toAll borrowersof collections the costs, established technicalor from debt intermediariesforultimateUnited permanent recipients States andresidency. citizens ultimatemust beor Both admittedrecipi- madeanteesBusiness by can recognizedand be Industry extended commercial loan to guar-loans cooperatives,nerships,legallyEligible organized applicants trusts corporations, or entity, include other including profitpart- any or forexpensesusedrevolving relending for the loan must above to fund beeligible made authorizedthat ultimateare available not 7attheents reasonable proposed must be unableloanrates elsewhere and to obtainterms. areaslenders other inor ruralother than areas authorized cities (including of more all individuals.politicalmunicipalities,federallynonprofit subdivision recognizedentities, counties, Indian of tribal a state,anytribes groups, other oror recipients. areRuralGrants used BusinessBusiness to .finance Enterprise Enterprise and facilitate Grants EligibilityEligible Applicants is limited to public bod- GrantsRuralRural Business provide Business funds Opportunity Opportunity for technical ApplicantsEligible Applicantsmust be located in moreboundarylocatedingdevelopment private and in ofitsareas business a immediatelyof city smalloutside of enterprises50,000 and the adjacent emerg- or villages,andincludetribalies, federally private groups. boroughs, incorporated recognizednonprofit Public townships, bodies townscorporations Indian and sustainableprogram'sconditionsactivitiesassistance, that inmission trainingeconomic rural improve areas. is and to developeconomic promoteplanning The andareasruraltions,than cooperatives areas other 10,000). public (which than entities, Nonprofit citiesare includes eligible. ofIndian corpora-more all tribes ofGranturbanized theland; acquisitionfunds construction or mayurbanizing alsoand of developmentbe area.buildings, used for andcounties,groupsfederallydistricts, state instates,reservations. 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addressesthe a the tradeThebusiness's company Commercial specialist this issueexport for tointerna- by 12 37 BEST COPY AVAILABLE acompany consultant.tional. business for several by weeksworking as at the 38 InitiativeGlobal Diversity tionalminoritythecreatedThe number Global trade. infirms 1999, Diversity andThe engaged capabilityseeksinitiative Initiative, toin notinterna- increaseof ongoinginternationallyfirmsMarketThe Global to consultation Entrysell Diversityproducts Programby providing and Initiative'sand prepares support, servicestraining, Aftersions,SpecialistsparticipateProgram, completing trade firms inidentify shows, a thetradeare Markettrade invitedinternational event. mis- toEntry Trade stageprogram,inToEligible the be ofGlobaleligible Applicantsexport firms Diversityfor mayreadiness participation be Initiativeat andany communities.economictheonly nation's results development inexports, an increase but in boosts minorityin andtoutilizestypicallyThe participationprepare Market a a team trainingfirms Entry inof to trade local Program programsell presentersevents.their isthat prod- to TheseMarkettradebuyerutilize mission programs,the eventsEntry skills Program enableopportunities developed and/or participants participants. reverse fromfor twoapplicant'sbeeninmust yearsthe have ininternational operationand business a offerpotential aforshould market.product at for least successhave Anor Methodsoftrainingmarkets.ucts Distribution, and program servicesSubjectsof Payment, Pricing include incovered identified Documen-for Channels Export, in the anisTheprospectivetheir event for ultimatetraining the where firms buyers andgoal they to tonegotiateof meet orparticipate the clients. programwith and in andmaterials,shouldservice should havesuited have such a forpositive marketingas export.brochures. net Firms worth E-Commerce,tation and Logistics, and Commercial Legal Issues, . complete an international sale. federal,theCommercialtradeService program specialists programs.state Service inand cooperation fromlocal International administer thepartners. with 39 0 13 Rural Export seeks(REI),ThroughInitiative theto providethe Commercial Rural rural Export companiesService Initiative ThroughworksProgram, with REI's Native the Native Commercial American American Servicecom- companiesTheEligible Rural Applicants Export located Initiative in metropolitan targets oficesaccessmarketwith rural exportand researchcompaniesto to international assistanceincrease to engagedfacilitate the andtrade number global intheirserv- opportunitiesaretrade.tomunities international the benefitsIncluded to forintroduce tradeNative ofin internationalthis promotion Americanprogramsmall firms arecompanieslationstatistical eligible of 150,000 areas that or less.have All a popu-rural tointerested participate in exportingin REI. virtualnology-basedbyovercomeexporting. using trade e-commerce theREI shows services"distance helps and rural and such marketingpenalty" firmstech- as goalArizonaSouthExportproducts of Dakota, Incubatorthe and and Native New the Washington Programs Native Mexico.American American The State,in AssistanceServiceservingAsbriefings part ruralhasof via itsCenters establishedfirms,teleconferencing. commitment the in ruralCommercial 18 areas. Exportto proceduresingAmericandevelopExport them Incubator export in businesses internationaland marketsmarketing. program while forbusiness is Nativetrain- to 14 41 BEST COPY AVAILABLE 42 United States Department of Health and Human Services job Opportunities for Low-Income Individuals OfficeProgramIncomeThe Job of Individuals OpportunitiesCommunityis administered (JOLI) Services, for by Low- the tions,communitytoThe nonprofit JOLI which, Program organizations,development in turn, awards develop corpora-including grants corporations,includingAnyEligible nonprofit Applicants community exempt organization, developmentfrom taxation I I I programServicesDepartmentFamilies,Administration authorized JOLIwithin of isHealthfor the a Childrenjob-creation byUnited and Congress Human Statesand forandprojects welfare employment thatrecipients will opportunities create self-employment,through: new jobs JOLItoInternalunder applyProgram. Section Revenuefor funding 501(c) Code under 3 isor eligible 4the of the businessofdemonstrateunder 1988creating the The opportunities Family new program'sand employment evaluateSupport purposefor Actcertainways and of is to newbusinessmicroenterprise, business expansion, ventures, and low-income individuals. incomeSocialFamiliesTemporaryAny individual Security level under Assistance does eligible TitleAct notor IV whosetoexceedoffor receivethe Needy JOLTaline project100 is Program. eligiblepercent conducted to of participate the under official thein poverty BEST COPY AVAILABLE 44 15 United States Department of Health and Human Services Office of Refugee Resettlement Microenterprise Development Project andachieveCubanmentThe socialOffice (ORR) and economic adjustment ofHaitian assists Refugee self-sufficiencyentrants refugees asResettle- soon to and to andmedicalfurnishORRarriving preventative awards temporary assistance.refugees. grants health ORRfinancial social to states alsoservices services, and to competingApplicantsorganizationsAllEligible public Applicants and grantare areprivate invited applications eligible nonprofit to submitto apply. in 1 providedasUnited possible toStates. supportafter Federalarriving services infunds the that are privatediscretionaryawards nonprofit grants funds from agencies to the public Director's for and thements,response ORR which Webto program may site healong announce- found with on 1 help refugees achieve this goal. services,acculturateprojects thatEnglish-language through assist refugees employment training, to availabilityapplicationFederal Register. ismaterials. published Awards Funding in theare based 1 1 refugeeenterpriseORRThrougheducation is ablepopulation. these anddevelopment to healthdiscretionarysupport services. micro- for thefunds, theORRon theavailability Director's competitions' ofdecisions, funds. outcome, and

16 4 5 BEST COPY AVAILABLE 46 United States Department of Housing and Urban Development ez Community Development Block Grant Program eligibleThementurbanBlock Community metropolitancommunities"), Grantcounties Program Development (called cities asprovides "entitle- welland as grants,to tanceDevelopmentRecipientsprovide loans, to direct microenterprises useloan FinancialBlock Community guarantees, Grant assis- throughFunds StatisticalCentralleasttanEligible cities 50,000,cities Areas,Applicants with of and Metropolitan populationsother qualified metropoli- urbanof at 1 1: affordabletostates, revitalize with housing neighborhoods,annual and direct economic grants expand expandandport other to microenterprise. establish, forms of financialstabilize, Micro- sup- and countiesreceiveleast 200,000 with annual populations are grants. entitled Funding of toat is 1: communityopportunities,moderate-incomeprincipally facilities to and/or benefit andpersons. improve low- services, and developingentrepreneursservices,advice,benefit fromand microenterprisesFinally, businessandtechnical personsCommunity supportassistance, also ofawarded populationovercrowding,income,community based population, growth needs, on age assessments lag ofincluding housing housingcompared and I CommunitybeenaffordableAlthough the Development largestthe housing rehabilitation single has Block traditionally use of of .provideprograms,suchDevelopment general services support counseling, Blockas peerthrough Grant supportchild Funds care componentBlockStateto other CommunityGrant metropolitan ofProgram the Developmentprogram. isareas. a separate TheIt andmentcatalystbecomeGrant business activitiesFunds, foran economicincreasingly theopportunities that program expand develop- important has jobfor and transportation. communities.doallocateprovides not qualify among funds as tolocalities entitlement the states that to primarilyoftowardborhoodslower some income supporting ofnonprofit It its has familieskey also partners,community-the moved andgrowth neigh- el based organizations. BEST COPY AVAILABLE 48 17 United States Department of Labor WhenSelf-Employment unemployment insurance Assistance States have the flexibility to Eligible Applicants OfficeEmployment orwi.ome,..soppoi arid Tfainin . sametounemployedwas eventually introduced or similar workers return jobs.in the to Today,could 1930s,their expect many mentguidelinesestablish ofAssistance Labor, their issued ownwhich programsby Self-Employ- the administers Depart- within Maine,AssistanceimplementedThe following Oregon, programs: Self-Employmentstates Delaware, have New York,New ' Alephoue:»14.t.4Roozzi S42.311.420i1llUshingtoU Constitution . AVerlite inwithunemployed 1980s,their no formerprospect the workersfederal career of reemployment government arefields. faced In the AlthoughWorkforcethe programs the Development programs through Stateand Agencies. eligi- Jersey,theirersPennsylvania. in stateCalifornia, those Department states Unemployed Maryland should and contact work- 202-219-8566.kOx:202-208,5913. ext. .147'. site:, -began ontoprogramsexploring becomeunemployedthe European thatvarious self-employed. offer workers models, European assistance who theBased , want toindividualsessentiallyfrombility be requirementsstateunemployed toidentifiedallows state, unemployed long-term varyeach as likelyslightly program Lrequirements.theof Labor program for information and eligibility about 14.14-w.doi-gov TheMassachusetts.projectsDepartment pilots werein Washington of a Labortremendous funded State pilotand historiestypicallyAssistancemicroenterprise.the opportunity haveand program find long, to Self-Employment themselvesestablish solid participants work a the governmentforemploymentsuccessunemployed the participants, and and assistanceshowed was society thecost-effective that federalforas self- athe (suchfundsDepartmentlayoffsvictims asthrough orof the plantevents ofrecently various Laborshutdowns. such enacted provides sourcesas mass The adoptlegislationwhole.unemploymentprovisions self-employment In 1993, permitting as Congresspart insurance of states theirallowance enacted laws.tostate mentandtrainingcanWorkforce bethe insurance usedandequivalent Investment technical for paymentsentrepreneurial of unemploy-assistance, Act) during that 1849 BEST COPY AVAILABLE periods.the business training and start-up 50 United States Department of the Treasury TheCommunity Community Development Development Financial Institutions Fund: Three Programs TheFinancialCommunity Community Institutions Development Development Program The CDFI Program has three 11 Fund)Financialthe availabilitywas Institutions created of in credit, Fund1994 (CDFItoinvestment expand andfederal(CDFIFinancial build Program) resources Institutionsthe capacity uses to investProgram limited of private, in (SECA).separateEmergingIntermediary, The components: CDFICore and ComponentAssistance Small Core, and is ' 1 1 1 1 1 distressedtoties.capital institutions The and urban CDFI financial that andFund serve rural providesservices communi-distressed capitalin suchandservicesinstitutionsfor-profit communities. as microenterprisetoand tounderserved non-profitprovide Institutions capital financial loanpeople and assistance.applyproposingunderthe CDFI forwhich financialFund's to The CDFIs,become Intermediarymain and or CDFIs, technicalprogram entities may 1 private-sectorindividuals.communities investmentsIts and activities low-income fromleverage fundsbanks,funds,loan may communityfundscredit apply andunions, toventure development the non-profit CDFI capital ontointermediariesComponent providing other CDFIs. financial is specificallythat The focusassistance SECA primarily for CDFIfunding'sourdes,banks, Fund foundations initiatives and that other provide CDFIinvestments,usingFund Fund forflexible statusinvests loans,tools as in a CDFIssuch grantsCDFI. as Theand equity thatproposingtheComponent capacity have significantto wasofbecome CDFIs, designed potential CDFIs, or entities to build for CDFItionsfunding areFund's to outlined microenterprise creation, below. more Since thanorganiza- $400the anddeposits, institutional depending needs. upon market technicalallowsment.generating Theall assistanceCDFIs SECAcommunity to Component apply grants develop- for and tionstomillion community and in awardsfinancial development have institutions. been organiza- made assistance.limitedtechnicalemergingthose CDFIs amounts assistance may that apply of are financial grants forsmall both and BEST co?' P1AllABLE 19 mortgageproductsCDFIs provide and financing services a range for including offirst-time financial a five-yeardemonstrateThe applicant business its CDFI ability plan must toand raisesubmit eachApplicationsEligible component Applicants for funding of the CDFI under ingforThe CDFIbasis. CDFI certification Fund accepts on applications a continu- Eligibility requirements orcialedhome expandcommunity loans buyers, andsmall financing investmentsfacilities, businesses, forcommer- need-to loans start investorinfunds.comparable a manner Each determining non-federalapplicantsimilar to the isa privatematchingevaluated invest- withyear.non-governmentalProgram community An applicant are accepted development must financing be once a asentitya L._for12 certification C.F.R. § 1805.201(b). are contained in nicalnesses.incomefinancialto rehabilitate assistance households CDFIsservices rental also to needed small andprovidehousing, localbusiness- by tech- low- busi-and communityBusinessandAnment-worthiness applicant's execute developmentPlan its abilityis Comprehensive partof an toof impactinstitution. createthe CDFI inmeetrnenttargetits 12primary C.F.R. theservicesmarkets, requirements mission, § 1805.200.and provide otherwise serve develop-set Notices eligible out andruralsumers.esPuerto and the and credit District CDFIsurbanRico counseling and areasofcurrently Columbia,the in Virgin 49 toserve statescon- Islands. Fund's assessment of the applicant. of FederalroundsFunds Availability areRegister. published for fundingin the 20 54 ProgramBank Enterprise Award tionsthatProgramThe traditionalBank play recognizes Enterprisein facilitating financial Awardthe communi-institu- key (BEA) role toinstitutionsencourageThe provide BEA Program lending, insuredto invest seeks depositoryinvestment in CDFIs to and orformincludeActivities time of accounts;savingsdeposit eligible liabilitiesor financialfor other awards demandin and the institutionsEligibleDepositEligible Applicants applicantsInsurance insured by areCorporation. the depository Federal investmentandbanksprovidesty development. to andincrease incentives thrifts and theirfinancialTheto investfor programlending, regulated servicesin CDFIs applicantsandrevitalizingFund servicerural makes communities. that:distressed activities awards aimedurban Theto selected atCDFI andestate,suchcommunitymulti-family, related as business, consumer, services;project commercial agricultural single-family,investments. and loans real AwardsApplicationspublishedNotices are of accepted inforFunds the Bank Federal Availability onceEnterprise aRegister. year. are theandthose"Distressedin distressed regulationsunemployment that meet communities" communities. in minimum effect criteria at are incometheunder activitiesincreaseCDFIs:invest inwithin orlending otherwise distressed and investment support supportstimement of application.efforts the community of financial The program reinvest-institutions. communities;communities.assistanceincrease certain withinor services distressed and 56 21 AtDevelopmentExcellencePresidential the direction in Awards Microenterprise of President for Awards are made in the following Eligible Applicants Both Microenterprise Development widerawardandClinton,role implemented attentionandprogram the the CDFI successes toin Fund a1996the non-monetary important designedto ofbring domes- terpriseandthecategories diversechallenges industry designed activities, that faces: theto purposes recognize microen- aremicroenterprisetionsOrganizationsthoseMicroenterprise eligible whose for anprimary awardDevelopment development purposeorganiza- in the is awardsfloatingmayforSupportOrganizations the be Program givenOrganizations toawardsand noInnovation Microenterprise more arethat than eligible commitmentAwardsacrossattic themicroenterprise America. programUnited of Nationsthe The grew United Presidential development from Fourth States a World to EntrepreneurialExcellenceCapital in DevelopingProviding Skills Access orEligibleSkillsCapital,following private and applicantsDeveloping categories:supportPoverty awardAlleviation.for Entrepreneurial Access the are public to AwardsApplicationsoftwo the applicants other are accepted awardfor in the any categories. Presidential onceone or a moreyear. aTheBeijing,Conference national Presidential China, commitment on in Women, AwardsSeptember to heldreflect micro- 1995. in DevelopmentSupportExcellence for inMicroenterprise PublicPoverty or Alleviation Private supportasdirectlyzationsentitiesMicroenterprise their withprincipalthe effortsmicroentreprenuers thatSupport activity, of do Micro- not Organi-but work publishedNotices Inviting in the ApplicationsFederal Register. are terpriserecognizingtunitiesenhancingenterprise fordevelopMent developmententrepreneurialall outstanding Americans. and andmicroen- Bysupportoppor- to InnovationExcellence in Program activities.assistance,Organizationsenterprise Development research through and technical other development.inunderstandingAwardsorganizations, the field program of microenterprise theof advances"best Presidential practices" an 22 57 58 United States Small Business Administration Program for Investment in Microentrepreneurs BranchMicroenterpriseOffice of Financial 4Development Assistance underestablishedTheMicroentrepreneurs Program Title VII in for Novemberof Investmentthe Gramm- (PRIME) 1999 in was AnProgramforEligible organization funding Applicants if itunder is: is eligible the PRIME to apply announcementsregulations,RegisterThe SBA about will application make in the the governingperiodic Federal instruc- 202-205:6490Telephone:iVa.shi4tott. DC 20016 totered PRIMEBusinessLeach-Blileyqualified by the provides organizationsAdministration United Act and grantStates is fundingfor:adminis- (SBA).Small programsdevelopmentseeksa private to serve nonprofit(i.e., organizations anmicroenterprise intermediary); entity that and tions, and funds availability. ; 64cb. site: Fax:202-205-7722-. . training and techbicalassistancemicroentrepreneurs; to disadvantaged , ana nonprofitdevelopment organization microenterprise thatorganization has a or tivww-sha.gov vantagedcapacity-buildingorganizationsmicroenterprise microentrepreneurs; that services development assist todisad- accountablemicroentrepreneurs,servicesdeliveringdemonstrated to microenterprise disadvantaged to recorda local and communityof is trainingandregardingresearch and and technicalbest development practices assistance; for anIndianStateworking Indian or tribe; localin tribe conjunction or government acting on with its or a theofconsistentother SBA the activities program.administrator with deemedthe purposes to be by jurisdiction.ordevelopmentcertifyown, program if thatthe Indianno exists organization microenterprise tribewithin can its BEST COPY AVAILABLE 60 u United States Small Business Administration Microloan Program enactedThe Microloan in October Program, 1991, originally author- partUnder of the IntermediaryMicroloan Program, Lender theThe Non-lending SBA provides Technical grants under lendingtoBusinessizes intermediaryprovide the technicalUnited Administration loan andlendersStates assistance grant Small and (SBA) funding non- $7,500videintermediaries.teedthe SBA small-scaleloans or makes less, available They,to directloans, start-up, to inand averagingqualified turn, guaran- newly pro- keting,ingtogethereligibleAssistance funds, managementnonprofit with support Provider non-federal entities intensive programand that,technical match- mar- to non-lendingtheprogramprovidersmore program than participants From technical has140 the grownintermediaries original in assistance 1992, to include 37 and toIntermediarymaterials,nessestablished provide concerns business-basedsupplies or lenders growingfor working or are equipment. small required technical capital, busi- financingseekingassistanceIn addition, private for to their low-incomecapacity-building sector businesses. micro-level clients funds andentrepreneurs,individuals,assistsproviders other women, Thecapable minorities, Microloan business lbw-income individuals veteran Programowners to assistance to microloan borrowers. theasassistanceare intermediary potentialavailable to toorganizations doprovidelenders so. technicalor having acting economicfromconcernscerns,operate a andlack successful indownturn. assists ofthose credit areas smallbusiness due sufferingtobusiness an con- BEST COPY AVAILABLE C2 AnEligible organization Applicants may apply for An organization may apply as a directlyA small tobusiness the intermediary must apply lender intermediary lender statusdevelopmentIs a private if it: nonprofit corporation, community microlender.businessesingProviderNon-lending technical if it and Technicalis assistance capable is not anAssistance of to SBA provid- small A smallbusinessforserving a microloanbusiness its that geographic meetsis if eligible it is SBA-typea location. for-profit to apply of Americanestablishedagencydevelopmenta quasi-governmental of tribalor by aentity, a nonprofitgovernment; Native or economic an entity eligibilitybusiness standards. requirements and size e Has made and servicedbusinessesestablishedtermmore short-fixed than rate foror $25,000 growing atloans least ofto onesmall notnewly ® Has at least one yearassistanceexperienceyear; of and toproviding its borrowers. technical 25 United States Small Business Administration Women's Business Center Program fundingAdministrationThe United to private States (SBA) nonprofitSmall offers Business eco-grant marketingvideWomen's financial, Businessservices management andCenters expertise andpro- ManytoEach the centercentersneeds tailors of have its constituency. itsfound programs that women-ownedandgeneraltonomic provide marketing development business financial assistancebusinesses. management management, organizations to The contracting.accountingofferstheirto women businesses. services starting andTechnical andgovernment Each or training growing assistance,organization in remaindifferenceandasproviding domestic life enrolledskills, support in crisiswhether makes in services, counselingthe the womentraining biggest such I businessentrepreneurs.`atwideBusinessSBA's range network development.Centers of:services of all93provides levelsWomen's toLocated women ofa in Theinformationplanfinancial centersassistance counseling, are make also and a available. microlendingbusinessspecial effort centersbusinesslemsexperience,courses. must provide Duedevelopment. be basic toaddressed business a skills lack ofandOther develop-beforework prob- counselingand46providePuerto states, the Virgin Rico, thelong-term to existing District Islands,American training ofand the Columbia, Samoa potential centers and othershopsadministerbecometo assist employment in self-sufficient.businesswomen programs on ownership, or welfare anda Manycombina- work- counselingAllthement of same the and centers time. and support access provide services to individual the at ofwomen icallywhom disadvantaged.business are socially owners, and econom- many theclasses.sooffertion women local of transportation the neighborhoods.A two.canfew attendofferSome and classes trainingcenters child incare SBA'sPrequalificationMicrointermediaries programsA loan number Program and for ofProgram. centers theservices. and SBA's the are Loan also BEST COPY AVAILABLE 06 United States Small Business Administration Online Women's Business Center Women'sgrantAdministrationThe United funding Business States for (SBA) the Small Center, Onlineprovides Business a free The(www.onlinewbc.org) Web site Business features: information, including ThetoWebE-mails women-owned e-mails site can on beareany sent forwardedtopic business. through relating to the tiontraining,resourceinteractive in English, counseling provides Web Spanish site. comprehensive and This andinforma- Internet techniques,practices,examplesprocurementmanagement referenceof governmentprinciples processestools guides, and and and isEachBusinessthe required appropriate Women's Center to monitor Businesslocal for response. Women's and Center inRussian, French and arid will Japanese. soon be available opportunities,Documentationbusinessinternational resources; e-commerce, trade on andemerging other onmaintain its respective updated Internet information site. andOnlineentrepreneurs; networkingaccomplished mentoring, opportunities; women counseling Late-breakingfrom"chat"Instructional around sessions programsthe business among country; through womennews andbusinessprospectiveSBA statistics; services owners. and women available small- to 67 BEST COPY AVAILABLE 68 27 Board of Governors of the Federal Reserve System Community Affairs Program TheestablishedCommunity Federal Reserve inAffairs 1981. System'sProgram The program was eachareCommunity located of the 12atAffairs theFederal Board Offices Reserve and (CAOs) at communityofThePublications publications CAOs publish reinvestment that a highlight variety activi- tions,tionalservicesprovides community-basedandgovernment technical toongoing help financialentities assistanceoutreach, organiza- and institu- educa- the tospecific initsBanks.meet itsown regionalproductsthe Eachprogram informational CAO market.and and establishes services develops These needs Conferences,businessfairties lending,and cover technical and Trainingtopics small assistance. such and asmicro financialmissionandlow-public communities.and understandservices ismoderate-income to support issues andThe the affectingaddressprogram's Federal persons fallinformation into three majorproducts areas: and services thatinTheand a CAOsvarietyprovidePresentations sponsor of information public and forums participate and andcommunitygrowthReserve impartial objectives System's development, access byeconomic topromoting credit. and fair opportunities.investmentrequirements,guidanceReinvestment on and Community and development Act-related community TechnicalcommunityofThe technical CAOs Assistance provide andinformation economic a wide on range lending.anddevelopmentmationdevelopment, small on andaffordable partnerships, includingmicro businesshousing infor- 28 0 9 BEST COPY AVAILABLE 70 Federal Deposit Insurance Corporation Community Affairs Program ,In 1990,withProgramestablishedInsurance the FederalCommunity that Corporation a promotes CommunityDeposit Reinvestment ("FDIC")compliance Affairs andmoderate-incomecommunities,toencourages help individuals, meet financial theincluding consistent needsneighborhoods institutions low-andof theirwith communityAct,thewithFDIC Community throughfair promoteslending outreach, on-site Reinvestmentlaws, banks' examinations, responses including compliance I ensuretionsActregulationslaws (CRA) The byaccess fairFDIC-supervisedand lendingwere theto credit fair designed 'laws lending by all andinstitu- tosec- businesses,communitymeetssafe and regularly sound organizations,and localwithoperations bankers,government small otherto complaints efforts. and inquiries, and : discriminationtorsFDIC'spromote of communities, Community fair inlending lending, toAffairs practices.The prohibit and staffto creditorganizations,toamongstrategiesleaders needs, public to promoteto and and meet identify to private develop thosecollaborations local needs furtherandpubliccredit,helps serves to worksfair to revitalize ensure,lending as with intermediaries lenders communities,equalobjectives. access and to the to supportsprojects,includingnomic developmentcommunity throughmicroenterprise outreach and initiatives, eco- andareThe locatedinFDIC's the agency's Communityin Washington, eight Affairs regional D.C. staff encessponsorstives.and technical and and seminars conductsassistance to confer-help initia- offices Specifically, the staff: serveslendingabouteducate the as lawsbankers CRAtechnical and and andregulations advisorother consumers fair BEST COPY AVAILABLE lendingto bank issues,examiners and on fair 72 29 Federal Housing Finance Board Federal Home Loan Bank System Programs ingram Assistance Division hasThe regulatoryFederal Housing and supervisory Finance Board ProgramsCommunity Lending OfficersCommunity Investment 1fashinotort,,DC#200061777 Street, NW: nessit(FHLBanks).12oversight ensures Federal of the responsibilitythe HomeFederal Among safety Loan Home andother Banksfor sound- duties,Loanthe andsupportcases,advances/loansThe CommunityFHLBanks grants) the Affordable to provide(and, Investment members in Housing low-costsome to andimplementmunitystatuteEach affordable FHLBank toInvestment designate community housing is required Officer a advance Com-lending by to .202408-2915 overseesCommunityCashpolicyBank Advancesfor System Communitythe Support FHLBanks' (System),programs Program, Investment financial establishesand andthe targetsTheCashmedian.below Affordable Advance households 80 Targeted percent (CICA)Housing with ofincomes programs. the Programincomes area in theconferencesvisits,Officersprograms. Community sponsorship provide andThrough Investment other technicalof regional on-site means, assis- ,government-chartered,Eachperformance of the 12 and member-FHLBanks operations. is a theestablishedmedian80 CICA to 115 programs income percent by a FHLBank.or range ofanother the from area CICAs limit theseopportunitiesmemberstance programs, and ofoutreach theto and expand System helpto promote financial identify credittheownedinstitutions,(federal System unions corporation. and are and commercial state-charteredfinancial insurance Members institutions banks,com- ofthrift targetedtanceficiariesgeographicallymay for be geographical small used(projects businesses:to defined provide located areas); bene- assis- in communities.servedand credit neighborhoods services in under- and arepanies)advances/loansinFHLBank chartered. order that to purchasein access Institutionswhose and long-term district stockto meet join in they theliquid- belowcreated51(projectsand percent individual the or in targeted retained ofwhich thebeneficiaries salaries at level,are least at or theand7,435.ity System's needs. local Other housing As membership entities,of March finance such 31, totaledagencies, 2000,as state belowarefamiliesor at provided least a targetedwho 51 services benefitpercent income from areof thelevel). ator or 30 73 may join as associate members. BEST COPY AVAILABLE 74 National Credit Union Administration , Community Development Revolving Loan Fund for Credit Unions theTheAdministration Office National of CommunityCredit (NCUA) Union Develop-created makesmentbusiness opportunities. reduced ownership rate Theloansand CDRLFemploy- and A creditlow-incomeEligible union Applicants mustdesignation have a tocurrent partici- I to creditnateddevelopmentmentprovide Creditunionsas assistance "low Unions creditthat income." serve to unionsin community early Federallow- desig- 1994 thecialgrantsunionprovides economyservices so may the technical and provideparticipatingin the help communities assistanceneeded stimulate credit finan- thestandardsannuallyCreditpate "low-income Unionin publishesthe to he CDRLF.Administration useddesignation" measurement inThe awarding National unionsother"low-income"areasincome things,may maygroups apply participate low-incomedesignation. and to NCUAunderserved in specialcredit Amongfor the asqualifyingtothey, mumrevolve'practical serve. impact creditlow-interest Thein order on NCUA'sunions as to many gainloans as policy often partici-maxi- to is to credit unions. theUnionsRevolvingfunding Community programs Loan Development Fund such for as Credit Sixty-ninenineDuringpating loans credit1999, loans totalirg unionsthe totaling CDRLF $1.9 as possible.$7.5million. granted million developmentinitiativessupportsRevolvingThe Community low-incomethatLoan and stimulate Fund Development community (CDRLF)credit economic union withtanceAlsowereprovided earnings inoutstanding grants 1999, operational program, thefrom technicalat the year-end. CDRLF,financed funding assis- for incomerevitalization education, effortsincreased home and approvedorganizational$343,500.purchasement, marketing, 103 of grantsandequipment. staff audits totaling develop- CDRLFand BEST COPY AVAILABLE 76 31 Office of the Comptroller of the Currency TheCommunity Office of the Affairs Comptroller Program Establishing working relationships The OCC supports the banks' I . of66matelyregulates theforeignfederal Currency 2,500 and banksbranches national examines (OCC) in the and banks charters,United approxi-agencies and intermediariesotherdevelopmentamongand facilitating community banks, corporations, andcommunitypartnerships development the OCC; toefforts microenterpriseintermediariesbycommunity providing in the microenterprise developmenttechnical that development. promote assistance arena inmissionofStates, 1863the nation's accountingasof thea bureau OCC,banking for ofestablished the58assets. percentDepart- The andlendingEncouraging smallmoderate-income and businesses, services bank investment,for personsincluding low- technicalThebanksprovide Community on,assistance outreach, community Affairs educational to national programsdevelopment and Thenationala safe,ment OCC's sound ofbanking the Community andTreasury, system. competitive Affairsis to ensure organizations;communityAdvisingmicroenterprises; national development local, banks; state and businessforumsco-sponsorsships.opportunities, The and development OCC workshops regional issues also andsponsors thaton partner-national small help or development.servicescredit,banksdepartment toinvestments includingbe encouragesleaders Its staff microenterprise and in assistsproviding financial national accesswithexaminersfederalment the governments;to ActCommunity credit on and bank andthe compliance expansioncapital;Reinvest- and bank and of microenterpriseto promote opportunities development. such as tonities,nomicallyconsumers, financial to achieve disadvantaged services, particularly broader and in commu- worksaccesseco- communityassistanceandProviding investing, ondevelopment training economic financing and and technicalaffordablelending communitydevelopmentwithby: bankers economic andpartners their development tocommunity promote withfinancesupportinghousing start-up and development, andsmall working expansion businesses capital. and 32 77 REST COPY AVAILABLE 78 Office of Thrift Supervision Community Affairs Program savingsthriftall(OTS) Thefederal institutions, isOffice banks the and primary ofmany and Thrift which savings state-chartered regulator Supervision include and of servicessupportAffairsingIn 1993, to Program the meetneeds the thrift the OTS' ofwas industrycredit the Communitycreated thrifts' and in help-financial to assistancethroughTheinits OTS theregulated financialmircroenterprise supports to intermediaries financial and the technical efforts institutions arena of r I; Departmentestablishedloan associations. asof thea bureau TheTreasury OTS of the wason greatestwithcommunities, areas need. and particularly Theindividuals program's thosein thedevelopment.that Community promote microenterprise Primarily Affairs Program, through I JerseyfiveexpensesDallasAugust regional City, and9, 1989, Atlanta, areofficesSan funded Francisco.The locatedChicago, OTS entirely has inIts safeobligationsthriftReinvestmentmission andindustry's sound is under to activelyloans,efforts Act, the and Communityinvestments toassist meetto provide the its opportunities,ontocationalthe its communityOTS regulated and provides technical program financialdevelopment outreach, assistance issuesinstitutions edu- _ ,regulatesleviedthrough on assessments the institutions and it fees and moderate-incomefinancialcommunities services and forotherindividuals low- workshopsandsponsors possible forregional partners. local thriftforums The institu- OTS and AffairsareasitsWashington, five of offices greatest regional are D.C., need. offices.located and Community eachin of development.initiativessupporttotions build to promotepartnershipscommunity such as opportunities microenterprise development and 79 BEST COPY AVAILABLE 80 33 C\1 N4-4 4 41', Co 4t: * ss 4

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,JZz 75'1.0 067:, NationalOffice of Credit Community Union Development Administration Credit Unions The Community Development munity Development Revolving Loan Fund Program The Office of Community The Office of Community I rr Revolving Loan Fund (Fund) is programswasDevelopment created designed in Credit 1994 to Unionsto establish, administer Developmentadministers the RevolvingCredit Community Unions Loan I low-incomeanda source technical for designatedbelow-market assistance credit grants rate loans to thedesignatedationsstrengthen "low-income" of small creditand and improve unions.designation, low-income theTo secureoper- a tograntsrateFund. assist loans Theto themlow-income andFund technical in provides delivering credit assistance reduced- unions assistanceunions. The grants loans areand used technical to RulesNationaltioncredit in andunionSection Credit Regulations. must Union701.34 meet Administration of Thethe the defini-sec- (Bethex),Thefinancial Bethex services located Federal toin theirBronx,Credit members. UnionNew serviceimprove to credit members. union operations and medianthanmember-householdsation majority requires 80 householdpercent of documentationthe ofcredit income.the earn nationalunion's less that loanBethextwoinYork, assets.' below-market proceeds has totaling approximatelyThe provideFund$320,000. rate has fundsloans $5made The million forto underservedofunionsCommunity distressed primarily development areas.and serve financially Their residents missioncredit whotheotherlending creditability may low-income and notunion'sto gives lend otherwise smallcreditBethexto members businessunions)qualify (arid developmentThis,moneyteachingis to empowerin managementturn, them helps and principlestheir revitalization spur members and economic ofsaving. by of for a conventional loan. 36 83 cb T COPY AVAILABLE the local communities. 84 Results development.lightededitionAn article ofBethex's Thein the TheBronx Aprilrole story Times in15, community illustrated 1999, high- allprocess,ingBethex the the necessary businessadvised assisted Ms. loan financialher Arrington applicationin gathdring infor dur- member,AmeriCorps*VISTAon-siteBethex volunteer whois fortunate assists services program toloan have of an the themunitybusinessBethex credit around developmentbeganunion 1989. had focusing under At in that itson $1 com-time,small mil- onKimberlyFundDevelopmenthow the roadfunds benefited Arrington to from owning [Revolving Bethex the and Communityher helpedmember Loanown her EntrepreneurialtrainingSirepurchasingmation, attended andcourse furniture even a basic throughAssistance lent for business-a herhand the salon, in servesAmeriCorps*VISTAtorecipients day-to-day as afrom liaison support. business betweenmember The start-up the wholoangrants.lion in investedof assets $2,000 andin went a receivedhot to dog a woman wagon. few Its first small business Justbusiness.Ms. over Arringtona five years single ago. mother BethexofProgram Bethex. has at SOBRO,worked cloSely courtesy memberconsultant,thepreneur.credit credit union provides Workingunion's the and AmeriCorps the business valuableas microentre- a team *VISTAinputloan with AmeriCorps*VISTAaitstionThrough unique membersmade between hardblend thework of creditfederal and volunteerspossible coopera-union funds, by andand Today,getof 749ofthreewas by Kimberly's Easton she public is187th strugglingthe Unisex assistance. proudStreet Salon owner into the at continued.supportapprovedbeginning.with Ms. and Arrington her EvenMs. encouragement business Arrington after from Bethex loan, the has veryits now serviceAmeriCorps*VISTAisSinceto athe primary smallfinancial at Bethex, business focus side theof ofmember's supportthe themember project. availableconcerned.opedprivateDevelopment a programgrantsBethex by Through the RevolvingCommunitythat fundsbenefits has Loanmadedevel- all sheloan.interestedcommercialBronx. visited Her According big inSouth banks underwritingbreak toBronx were cameMs. Arrington,Overallnot whenher services,loanslump,Whenbeen consultant. in her Bethex business made business provided possible The for hit consultantover a a byseasonal business,ayearc a Ms.microentrepreneur.necessarycan devoteArrington supporting the is hours the first andthe in energy her microentrepreneurs.programto Fund,build a Bethexaimed successful, athas potential been inclusive able totionEconomic Bethex. (SOBRO) Development and was referred Corpora- reviseandherhelpedgrant books,organizational from certain Ms. Citicorp reviewArrington business herstructure,Foundation, reorganize marketing strategies makeherthreeafamily year success. myemployeesan toin own operation,dream "Bethex a business. come she indicationreally true," now After helped hasshe of andfinancial work issues. out miscellaneous ' said. NEB COPY /MUM 86 37 andBethexKey Their Players FederalContributions Credit Union South Bronx Overall Economic SourcesFunding: and Uses cooperativeisa community-basedizationThe Bethex whose aFederal non-profitmission financial Credit is toorgan- serveUnion DevelopmentThe(SOBRO) South Bronx Corporation Corporation Overall Economic(SOBRO) communitiesvolunteerAmeriCorps*VISTAyear. Members to work full-time in are disadvantagedmembers forassigned one to AdministrationRevolvingCommunityCongressNational CreditestablishedLoan Development Fund Union inthe 1979 ingsuchmembersathe bank, accounts,needs as thesavings many of credit itscredit financialmembers.accounts, union cards offers services andcheck- Like its communityisproblemsfoundededucation a non-profit, on ofand development, theabandonment grant-supportedtraining belief that firm. jobtheand It was . minedmeetingorganizationslocal public by community the and community.and private work needs non-profittoward deter- aimedmunities.developmentthrough at stimulating a $6 millionin low-income economic appropriation com- In 1986. the National communityits Bethexmultipleemphasis helps loan by on lending products. buildmicroenterprise, a moneystable Through and,skillsbepoverty addressed therefore,and in thebringing bySouth jobsbackproviding business Bronx jobto must the of-NCUAadoptedwasCredittion charged Unionof amendments theRules AdministrationFund. with and sole The Regulations toadministra- NCUA Part (NCUA) 705 Board encouragedandto microentrepreneurs. employeesproviding to technical patronize are actively assistanceMembers the smallItsassistancetechnical,community. workshops, business financing to SOBRO local seminarstraining companies. and provides are consulting and a onSinceparticipatingbegan September thatmaking time, 16,credit loans/deposits 1987,the unions revolving and in 1990. toloan. andsismicroentrepreneursthis provides support. additional incentive empha- developmentcornerstone of in rnicroenterprise the Bronx. appropriatedfundtolionmillion nearlyhas to thegeneratedin $12loans. Fund,an million.additional Congress raising $4its recently mil-assets nearly $22 38 68 AmeriCorps*VISTA has been providesACitigroup grant from the Foundation Citigroupfunds for aFoundation business strengthsaimedThroughSpecial at Considerations abuilding ofhands-on its members, the approach business Bethex ServiceestablishedPresidentcommunitiesmeeting to the America"Lyndon it needs sinceas "Volunteers B. (VISTA).1965,of Johnson low-income when VISTA in neededtrepreneursloanincludes consultant basis. marketing on Availablean to individual,assist and supportmicroen- organiza- as- relativelyreachingotherhas guided microentrepreneurs theirsmall Ms. goals. creditArrington Bethex union, andtoward isyet a it Washington,National1993.became1201 The New partService Corporation YorkofD.C. Amen (located Avenue,20525) Corps for at over-NW, in tional assistance. andtheinis ableinthe community outreachthis growth to effort. successfully activitiesand itAbove serves development participateall,are Marketing Bethexcrucial of Volunteerprogram,sees§funded 4950 the Amen whichet.throughService seq.). CorpsVISTAis ActCongressionallythe (42Domestic U.S.C. itstohas findloan the a applicants.desire way to and effectively determination service S9 standsKimberly in frontArrington of her proudly salon,. 90 39 rjUnitedRural States Business-Cooperative Department of Agriculture Service Capital Works r Background prenuersCapital across Works Delawareprovides microenter-access to WorkingCapitalandmicroloan Overview Works Capital, program is athe replica largest in the of United wasWhenDelaware's supported it began, Economic byCapital grants WorksDevelopment from capital and developmental training. StatesDevelopment.Excellencethe first and Presidential the in 1997 Microenterprise recipient Award offor OfficetheDepartment Ruralstatecoreand thefunding. ofBusiness-Cooperative Delaware Unitedof Agriculture, A Statesgrant providing from with WithinCommunityDelaware,the 1994Working YWCA to serveandof CapitalLoan New the the Fund CastleFirstas needs a partneredStatemodel, County, of thefromallowedDepartmentService rest northern ofCapital the of DelawareUnited state.Agriculture Works Capital States to throughexpand wideCapitalnership,essmall in spectrumthecommunity-based Works Capital state. provides of ThroughWorks rnicroentrepre- wasloans business- the born. part-to a programwhichcontributionsWorks givehas operations. neededalso from solicited local support banks, volunteer for storefrontprinterscenters,neursIt also including and seamstresses,supports businesses computer caterers, home andspecialists. screen businesses,day street care SuccessentopportunitiesadvantageMicroentrepreneurs lending and ofprograms: OwnerCapitalthrough can Option.Works' Teamtwo take differ- vendors. TeamcanAnymost applyself-employed Success participants, to participate Loan business a Program. Team in the Successowner For 40 91 employedTeamloan is Success their entrepreneurs first loans business help withself-loan. 92 l Starrofofficeproudly liargrave5C uit;l1 to shows Brenda nforlis, (right) her Whitellurst now a creditlimited history, financial expand resources their build theThe group. individual's Each successgroup member's is tied to aassessment site visit; an of acceptable the business credit and -- AfterStarr hearing attended about an, informational Capital Works. andskills.business increase network, business-related obtain loans helpspayments.memberability ensureto fallsborrow The behindthat group is loan frozen on support payments loan if one FundandAhistory loan First staff committeeand State reviews collateral Community of the senior are loan required. YWCALoanappli- meetingaentrepreneurs.she loanthe met program'singroup. Januarytwo otherAfter and group1999. they shehopeful completed micro- development formed Thil;re ofbusinessterprise-lendingSuccessAs 3 the to 10name is ownersmembers. a peer-basedimplies, program work Each Team in microen- inteams team, which accessbuildsupport,sharedare made their responsibilityto Team timely. additionalbusinesses Success Moreover, capital, and through members mutual through and toloans'angram,cation. participateincentive annualmicroentrepreneurs In the (a Ownerpercentagein discount the programs Option on rates) receive their pro- of phaseopenedher firstin March loan,her own1999, quit office. her job and Starr received vehicle.committeeactsself-selected as a It support elects and and a itsnetworkingself-directed,group, own aofficers, lending Themakingenhance Owner regular their Option credit loan Loan payments.standing Program by WorksCommerce,themicroenterprise Micro operates Business the YWCA'sin initiative.conjunction Chamber sister Capital of &During Tourchasingpart-time$40,000. itsgrossed first her Starremployees, year,own sales has 21-seat hired full- andStardile Travelexceedingand is pur- motor Theskillsregularlydevelops program and toby-laws,experiences. share is structured insights, and meets totalents, fromMicroentrepreneursmicrobusinessesopportunityis designed $1,500 to to moreincrease $10,000, in Delaware. establishedmay economic depend-borrow assistance.events,ofwith InternetCommerce the educationalMicro training Businessto offer and seminars, networkingmarketing Chamber participatecoachloan-eligibilityhas advancedfor tours. in Capital ladder. Shethree stepsWorkscontinues on the and to accessachievement.inspirein set bothto increments. loans individual Members of $500 Among and tohave group$6,000 other stafflendinging on member their criteria. ability conducts A Capitalto meet an Works the af"Stair storiesmany lite Capital Travelin rural &Works southern Tour' -- is onesuccess Delaware. spiritualStarrCapital attributes relationship, Works.Works her Interactionmembers success her family and giveswith Starr other to her topicsbusiness-trainingcessfullythings, ranginga participantcomplete from moduleswithsuccessive mustbasic suc-busi- aboutAfterforrecognized working traveleight years,and ina avoidtour in the travel agencyStarr Hargraves forservices in her could fillmarket it. andtheandfirst supportbuilding brochureprinted she a customerby is a being fellow needs in marketing developed Capitalbase. Her requirementsanalysistoness recordkeeping satisfy at each the to level. accountingloan 03 BEST COPY AVNLAE area----and decided she 'Works member.keeps getting Starr says, better and better." "It just 94 41 4fl andThe thecombination MicroBusiness of Capital Chamber Works DevelopmentInResults 1998, the Delaware Office surveyed Economic o 70% indicated increasedto their traffic business; TheirDelawareYWCAKey Contributions Players of New and Castle County, Theforrepresentsof individualCommerce microenterprise availability an microloans innovativeat of the both development. YWCA groupdesigned model and operations.awhetherin100 positiveCapital businesses the Worksimpact The program participatingsurvey toon determine business was focused having o 70%40% indicatedincreased an their average$1,250monthly line of or sales more; increase and of theparticipants.isThe the Capitalcommunity, YWCA starting Worksmanages The point recruits agency program, for and program program works operates and in withneedsto strategy.presentsmeet access of the businesses, Supporteda immediateto unique market microloan coupled bystrategy. financial business thesurveybyon program. participantsissues results: and According challenges when they to the reported joined products/services. tatesvidesparticipants Teamtraining Successand sessions volunteers, loan and groups. facili-pro- assistance,growththeseto the through programslarger procurement business training, have become technicalcommunity,and links a o 96%94% reported bettertheto ability developbusiness access to a funding;sound business plan; (www.Chamberinitiative,theCapital YWCA's microbusines8chamber. Works theof Commerce otherMicroBusiness works microenterprise closely corn).with a mainstayrnicrobusinesses.national modelfor Delaware-based of excellence and o 85% reported aincreased greaterto outsidefind otherability access business businesses resources; to o 71% reported bettersuppliesoraddress access to pursue commonand to jointequipment; opportunities;challenges anotherStarr tour.books 42 BEST COPY AVA1LAbL, 96 SourcesFunding: and Uses Special Considerations BusinessAdministration'sCounty,amongThis is athe the collaborative Ownership YWCA U.S. Office Small of andNew effortof Business Women'sthe Castle Theinof Business-CooperativesupportingAgriculturethe Rural United Development, CapitalStatesplays a DepartmentWorks vital RuralService role and areforfundsDepartmentAdministration, microenterpriceallocated on the of state from Commerce. United levelthe development DelawareStates designated Annual theprovidedfactors:acrossCapital strong DelawareWorks the to collaborative microenterprises,unique attributes to services two itsmainefforts success and toChamberCommerce.Delaware provide of Stateservices CommerceThe ChamberMicro to microbusi-Business is designedof throughoutsimilarProgramRural microenterprise Business assiststhe country. Enterprise non-profit programs Its Grantcorpo- andAtEconomic the PNCequipment local Bank Development level, donatefor Bank Capital office of Office. AmericaWorks space ofWith theCommerceCapital the Micro powerful Works Business and and combinationits partners.Chamberthe Micro- shipmembersandees.nesses networkingbenefitsIn additionwith enjoy fiveof theaccessopportunities,to or the Statefewer educational to Chamber member-employ- rations,providebusinesstorecognized develop public technical enterprises. small Indianbodies andassistance tribal and emergingGrant federallygroups fundsand forarearespectively.in Kent contributions. banks County are The andsolicited Inmajority Sussex 1999, annually oftheCounty, whathelpofBusiness microbusinessesresources thema business's Chamber succeed. at their stage haveof Nofingertips Commerce, matter ofan growtharray to TheLoanof Commerce FirstFirst Fund State State and Community Community the YWCA. Loan areorloan home-based typicallyused programs to establishunder-served to businesses small, revolving emerging and that following$5,000made donations financialto $35,000: institutionsrangingBanker's from Trust Delaware evenor programsdevelopment, more successful offered it can by through becomethe YWCA. smallthatdevelopmentFund specializes businesses, is a not-for-profit financial in rnicroenterpris-supporting institution community localFundingforlack their sufficientsources businessfrom is federal,access used needs. for tostate allcapital aspects and GreenwoodFirstChase Omni Manhattan Bank Trust Bank loanfundingstatees and programs of affordableforDelaware. the andCapital housing Itfurnishes provides Works in the materials.support,includingof Capital program staffing, Works'Capital operationssuppliesWorksadministrative receives and Traveler'sPNCMorgan Bank Guaranty Bank Trust 97 outstandingall administrative loans. support for theoffroma Rural Agriculture, Economic the Business United Developmentand States Enterprise a grant Department from Grant Society,Wilmington FSB Savings Fund 98 43 EconomicUnited StatesDevelopment Department Administration of Commerce TA- Cooperative Business Assistance Corporation Microloan Program I f I The Cooperative Business Assistance TheBackground Economic and Development Overview The Cooperative Business organizationCorporation isthat a privateprovides nonprofit business adistressedAdministration's flexibleFund provides and communities continuing Revolving economically withsource Loan certifiedAssistanceFinancialin Camden, Community CorporationInstitution New Jersey, Development providing (CBAC) is a Southfinancing New and Jersey creates region. jobs in the economicprogramof capital. contributes stabilitydevelopmentCoupled and with to growthlong-term tools,other the or tonessmarketmoving small loans or businessesinto below-market and the technical South located Jersey assistancerate inbusi- t III developmentedaGrantsin Revolvingthe to localcommunities to capitalize governments, Loan organizations Fund orit serves. recapitalize are regional award-and region,byinvestmentTheGloucester leveraging CBAC primarily also andin publictheCamden, encouragesAtlantic city funds of Counties.Camden with private andstrategicallyfinancingstates.industrial investments Revolving is sectors, expectedtargeted that,Loan businesses to toindividually Fund thosebe banksloanprivate participations in funds the area. it obtains with partnerthrough economicofand businessesincreaselocal collectively industries base. the and competitiveness over and strengthen time,individual will the 44 9 9 I 0 0 Elizabeth Santana The CBAC began offering micro- Santana's Bakery, located Over the first two years, the displaySalin,andbaked her with ofhusband, goods. delicious their corporationhasAdministration.fromloans grown the in 1993Economic to recently over with The $800,000. Development fundingemployed portfolio The an Santana,microloanin TheCamden,a small bakery's began fundshop is one success owner,onworkingi.i.ivith ofRiver many Elizabeth stories. Road Hei'expandingspringfrombusinessS goal$70,000 2000, is annualher to Ms.to boost business $152,000. Santana sales sales grewagain. beganInyet nessesborrowers,accountingthe bookkeeping become which assistantof its more andmicroloanhelps to successfulfinancial overseethe busi- toandpurchasedHerthe start CBAC firstfurnished her $10,000 in bakingHispanic the working fallmicroloan equipMent ofbakery. 1998: capitat inciforAlreadyagain restaurantsis her guided by prbdicts. she selling byhas wholesale. the bread. 12Ms. training daily Santana to stopsstores and problemsandCBACto the preventsidentify revolvingcan before now potential possible beloan they more fund.accounting loannegatively proactive Thelosses asecondsales,After larger six Ms. loan ovenmonths Santana of for $8,000 ofthe receivedincreasing bakery. to buy. a' assistance.forthatreceivedMarketing the "578 now throughSheloaves support. wholesale has is the calculatedbreakevenshe CBACS store."has urbanproductsTheimpact CBAC businesses the to microbusinesses. offersmeet sixthelocated differentneeds primarily of loan foundsalesbenefitingMs. Santar7a'sThe increasing,she bakery neededothers. success now Ms, moreWith has Santana is bakeryhelp. fouralso upnessestoloanin Camden, smallto programs $30,000. with start-up financingNew are or Jersey. especially smaller requirements Its busi- micro-suited ambitiousemployees, start. and is off to an 101 REST COPY VV9LA L 0 2 45 Results TheirKey Players Contributions and SourcesFunding: and Uses overhasmicroloanSince $1 funded million,the inceptionprogram, 79 with microloans, capital theof the corporation CBAC's totaling additionalwithAssistanceThe sevenCooperative loan areaCorporation capital, banks Business thatmake partners provide andaccessbusinessThe marketing corporation to technital, borrowers support also acCountinrju provides throughfor its the:.- StatesAdministrationbyIn additionthecEconomic Department to the of fundstheDevelopment of UnitedCommerce, provided currentAdministration42matchingfrom loans microloanthe Economicvalued funds. and portfolio atTheadditional over Development CBAC's contains$400,000. serveloanmoteadministrativecontributions participations. privateon the CBAC's investmenttoward expenses Bank meetingBoard. employees andthrough Thepro- mentDevelopmenttion,Economicservices NewZone of JerseyDevelopment Businessthe Authority, Latin Economic AmericanServices, Empower- Associa- Assistancetheorganizationsandadditional Cooperative other Corporation loanfunding andBusiness pools foundations,for fromreceivesits microloan various andhaveloanTo 69 date, borrowers percentbeen 85 made percent of are the to still microloans minority-of inthe business, micro- and andpartnerHudson,First PNC. Unionbanks Sun National,are National, Commerce, Summit, Mellon, andtheseCBACDevelopment Regional organizations works Small inCorporation. partnership Business in teaching The with oincluding United Statesthe: DepartmentHousing ofand Urban Development women-owned businesses. businesses.anddeveloping mentoringobtaining business fundingentrepreneurs, plans for the o United States SmallAdministrationofUnited Business Treasury States Department o New Jersey FundUrban for ZoneEconomicEnterprise Community Authority. Development, and 46 103 104 Special Considerations AssistanceofrepresentativeSantana's Santanathe Cooperative Bakery'shasCorporation. beenof many Business success able Elizabethclients to moveis others,Manyportingfrom workingin microloan herself,a very for short and clients others employingtime. are, to sup- yearclientsrevenuesselveshowever, of operation. chooseon unablestart-upuntil totheir Some operateto business supportfourth CBAC part-time or them- fifth andtoMs.loan,businesses be Santana,are andself-supporting natural beyond. for find entrepreneurs.the theyOthers, life very areof the quicklylikeable to theasSatin bakery'sa baker Santana's contribute success. talents 0 106 47 _ OfficeUnited of Refugee'Resettlement States Department of Health and Human Services -iv, Coastal Enterprises, Inc. Refugee Microenterprise Programs 714 economicallyTo self-sufficient assistthrough refugees in becoming TheBackgroundmicroenterprisement Office (ORR) of andRefugee began Overviewprograms supporting Resettle- for DevelopmentInstituteORR also for provides Social (ISED). and a grantwhich Economic to helps the communitiesself-employment in developing and to help employ- refugee associations,videsrefugeesment grants agencies, in 1991. to voluntary mutual Themicroenterprise officeassistance resettle- pro- worksorganizationstheirmicroenterprise with program organizations that performance. grantsreceive to ORRon maximize It resourcesment opportunities by providing and business capital governments.basedorganizations,serviced organizations by Mosttheother program of community-and the state refugees have lim- andwithsiteprogram organizationalthe visits refugee design, to the community, agencies, issueseffective through linkagesand credittraining, access. technical assistance and TheAmericanfewlittleited Englishifprogramor any no businessassets,established language has assisted and experience. proficiency, credit,little over or no computeriningISEDtelephone semiannual among also linkagesfacilitates andthe workshopsgranteee-mail via shared consultation. a agencies listserv. and learn- neurialrefugeesbusinesses.600800 ofmicrobusinesses, which skills have Moreandare gained newlyknowledge than entrepre-more established4.000 than communitydevelopmentisCoastal a private, Enterprises, development non-profit corporation Inc. community (CEI) financialand through the program. andinfinancingThroughoutinstitution developing microenterprises; and located the technicalmedium, state, in Maine.CEI communityassistancesmall provides MicroenterpriseORRCEIandfacilities, affordablereceived for thesuch New its ashousing. (NAME)first childAmericans funding care; InProject. 1991, from 108 toMahfuz keep fulliall his Ir.forfs accounts hart! Project NAME was a collaborative Start Smart staff work diligently cleaning business. At the business, in order.The business continued to grow, CentersCommunitymentCharitieseffort Program,involving for Maine Women,Education, CEI,Portland Refugee Catholic Work and Adult Resettle- and Maine capitalsupport,withto develop clients and training long-term loans.by providing and relationshipsaccess ongoing to whobusinessProjectintroducedtraining had a NAMEgraduation, residential and to aofferedAdvisory member cleaninghe him wasCommittee of support. the aand secondsuccessfullyInfinance inthe July intervening loanhis 1996 business ofmade Mahfuz$15,000 period, the expansion. receivedtransition to he - one-on-oneandincludedCommunity. access classroom technical toProgram credit assistancetraining, through services assistancebusinessoverSince 20 1991,164 countries training through refugees andhave CEI, technical received resulting from ofintroducedspecifichelpedShe a commercialbecame him expertise.:She himdevelop his to cleaningmentor the industry- owner also andbusiness, full-timeHebecameLO createda full-time hisjobs onesole business,for part- sourcemembers time which of andsupport. of 7, histwo communityCEI continuesand other in thesources.to assist greater the Portland refugee receivedrefugee-ownedexpansionin $42,950.the start-up, nine of 35 loans strengtheningbusinessesbusinesses. totaling haveSeven or athroughshadow"whom cleaning Mahfuz experience for business. three was months ablehow to learning run'job ofinstitutionmortgagetomMunity, a house, to from broughtHe finance also a local over obtainedthe financial_purchasehis a ServicesMainepartnershipStartarea throughSmart, Refugee and withwhich Cascoits andcurrentCatholic operates BayImmigration program,Partner- Charities in impactEthiopianThe experience of thisrefugee type of illustrates oneof project. young the hisaMahfuz part-time employment. started basis his Workingwhile business continuing with on supportWithandfiance started hard from from work ahis CEI,family. nativeand Mahfuz substantial Ethiopia was literacy-sensitivesufficiencypromotesLikeship Projectfor Workplace the of NAME, economicrefugees group Education. Start trainingwith self- Smart feasibility,ingHe1992Mahfuz participatedand with Fullilearned viability,two approached business into business assessrisks andideasCEI the train- in equipmentheyear.aborrowed level would It ofbecame $18,000needequipment, if his to apparentbusiness acquirein sales he reachedthat hiswasper own competitiveofingitsable contractsinternal the to growscale capacity, andadvantage hisand business.maintaining complexity while by increas-He off4ing a built fortobusinessin businessaddress new microentrepreneurs counselingmanagement. specific plan development issues. is also Individual Support offered and decidedBasedrewards on toof this openhis assessment,business a commercial ideas. he business,tionato goodCEIexpand. from for plan aaHowever, Inpart-time$6,500 for 1993, making loan. heheillad to appliedathe He full-time transi, nohad andofflourish.price.quality the remains Hisbusiness services He business is both an atcommunity active aa participantcontinuesreasonable member to ofdoes 109their not initial end business with the completiontraining. collateral,credit history CEI and granted inadequate the loan. Inicroenterpriseand supporter program. in CEI's refugee ), 1.o Key Players and translatedRefugeeWithResults support Resettlement, its experiencefrom the OfficeCEI in provid-has of private,CoastalTheir Contributions non-profitEnterprises, community Inc. Inc. is a ServicesRefugeeCatholic Charitiesand Immigration Maine CascoWorkplace BayBay PartnershipEducationPartnership for for Work- providetoservicesing refugees. rnicroenterprise assistance into CEIa program continues to development refugees targeted to employmentbusinessesanddevelopmentmary technical activity that andcorporation.assistance is offer ownershipproviding income, to Its smallfinancing pri- Program)(formerlyandCatholic Immigration Charities Refugeeis the resettlementServices MaineResettlement Refugee(RIS) CBPcenteredresourceplace hasEducation forworkplaceexpertise participatory, (CBP) in education. adult is a learner- regionaleduca- vateleverageInpathinterested addition, fundsto economic ORR in andCEI rnicroenterprise support tohas self-sufficiency.expand been with ableits pri- serv-as to a activelypeopleopportunitiesmid-1980's;prise indevelopmentinvolved Maine. toit has low-incomeCEIin microenter- provided hassince been the training supportrefugeesapproximatelyagencyment, inincase each Maineoutreach management,200year. and newly RISand serves provides recruit-arrived inter- andassistanceculturallydentstion, project including who diverse. are inmaterials ensuring workinglinguistically CBP are that provideswith culturally training andstu- ices to the immigrant community. andbusinesses.inandnew technicalloans providedand to existing more assistance CEI roughly thanis entrepreneurs the 500$7 leadto million10,000 micro- toforculturalpreter pursueemployment individuals services, issues self-employment. whoand opportunitiesconsultation criticalchoose linkages not in sensitivepriate to and the linguistically population itappro- serves. financing.assistanceandofagency collaborating providing in coordinating and training, accessorganizations, technical tothe business work 50 111 112 EconomicInstitute for Development Social and WorkMaine and Centers Community for Women, TheOfficeSourcesFunding: Office of Refugee ofand Refugee Users Resettlement Resettle- terpriseBySpecial providing development Considerations funding targeted for microen- annualconsultsmicroenterpriseEconomicThe Institutesite with visits. Development the for CEIISED Socialprogram. refugee staff and (ISED) During modelopmentofandMaine employment Community curriculumCenters services. andfor provides Itfor Women, createdcareer an intensive a devel-range Worka agenciesto publicImmigrationmentaward is andgrants;to authorized help private. and refugeescontract Nationality non-profitunder withobtain the Act becomeopportunitiesseveralpastspecifically nine goals:economically years, to forrefugeesIt ORR has refugees openedhas self-suffi- over achieved to the clientsinsights,progressteammembers and to discuss andandmeet speak share issues, with implementationwith the the providerefugee approach- project Portlandtrainingthatbusiness was provided usedplanning Adult as Community in thetraining Project basis program NAME.for the thecarryingmakeeconomic skills loans necessary out self-sufficiency; forits responsibilities.the to purpose reach and of fundingfundsthesources.cient. entirefrom andIt has localIt businessmicroenterprise has leveraged banks also financingencouraged and additional other industry annualteamthatarees various usingCEI members ORR is to otherfacing. addressmicroenterprise attend grantee CEI problems projectthe agencies semi- trainingrangeEducationPortland of tovocational Adult (PACE)adults Community throughout offersand educational a wide forofFunding microenterpriseIttraining loan was funds fromalso and ORR thetechnicalin CEI's source programs. covers refugeeassistance. of the capital cost activitypopulation,thein the refugee United beyond stimulating segment States its funding. to ofrecognizesignificant the viaandprogramsaccessgrantee telephone to ISED to workshops. viaother consultation theand microenterprise grantee e-mail. The team serviceslistsery has aand Secondrefugeeprovidesthe offers greater Language.'andclasses vocational Portland immigrant in "English educationarea. populations PACE as for 1:13 114 51 {1UnitedOffice States of BlockDepartment Grant Assistance of Housing and Urban Development We ing Smart Background and Overview 1 residentsThe city of of Nashville the Nashville seeks Enterprise to assist NashvilleThe signature Enterprise piece Community'sof the or mentinentrepreneurial a life training skills/personal course, training enterdevelop- program, a job publicCommunity, housing, particularlyin achieving residents economic of was(Center).theeconomic the Southside construction development development Enterprise of an strategy Center center It was built within the andgramsOne receive of operatingthe placement more successfulout assistance.of the Center pro- opportunitiesself - sufficiency and by other providing related training serv- servicesdevelopmentandNashville houses programs. 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Program Self-Employ- has In curriculumfortoworks Employmentprovide small with business freecoversNew one-dayAssistance York's "everything owners. Self-sessions Program The you tivewithNewingdid notstream funding aYork combination include state to from run a runs dedicated variousthe of its programs.administra- program sources, fund- fundsTheworkerstrainingwith programfunds to services inthe forfinding New also employment to York providesassistnew Statejobs. dislocated someand awardAdministratorsof ment,1994,Employment for the innovations InterstateArchitect presented Security ofinConference employ-Change its top practicesneedRevenue to know" from Service's theabout Internal businessperspective. fundsUnemploymentStatesall administered are Department used to insuranceby pay ofthe Labor.the United Self- ofCentersSmall participants.Employmentproviding Business to help services Assistance Developmentoffset to the Self- costProgram Award,BusinessbenefitincludedDepartment to thethe a Administration $25,000 program.New of Labor. York stipend The TheState awarded Small award to theparticipants.UnderEmployment United the States Wagner-Peyser Assistance Department program Act, of andStatestandingofits Excellence1998 the Department New Visionwork York Award of 2000 the ofState LaborNewforState Smallthe York Model out- aserviceandfunds wideLabor maintaining to range offices, statesis charged of forwhichlabor-exchange state establishing with employmentprovide allocating ProgramforBusiness Self-Employment participants. Development Assistance Centers 129 andseekers.servicesEmploymentmay activities also andUnder be informationrelated usedAssistance the Act, forto theservices theto Program. Self-job funds 130 j Community DevelopmentUnited FinancialStates Department Institutions ofFund the Treasury Ni beast Entrepreneur Fund, Inc. fostersThe Northeastan entrepreneurial Entrepreneur spirit Fund and Fund)FinancialTheBackground Community designates Institutions and Development organizationsOverview Fund (CDFI videisThe a CDFINortheastloans createdarid guidanceEntrepreneur in 1989 to to start-up pro-Fund throughencourages the growtheconomic of smallself-sufficiency business institutionswhichFinancialas Community are Institutions specialized that Development work (CDFIs), infinancial market financingtraining,northeasternarid existing technical to rnicroenterprisessmallMinnesota. assistancebusinesses It provides andand in inand northeastern self-employment Minnesota. opportunities videfinancialquatelyniches a rangethat served institutions. have of byfinancial not traditional CDFIsbeen products ade- pro- coveringregionservessmall business thata overpredominantly spans 20,000 owners. seven square The ruralcounties Fundmiles, investmentsfacilities,buyers,financingand services, financing commercialfor tofirst-time including start for or communityloans home- expandmortgage and 1980smanentEconomicand has had joba restructuringpopulation aloss devastating during of thearid310,000. effect early per- CDFIshouseholdsservicesitatesmall rental businesses, also needed housing, provideand local by loans servicesandlow-income businesses. tofinancial rehabil- that wasTheprimarilyon the Northeastpartbased regional ironof aon miningregional Entrepreneur naturaleconomy, arid effort resources tourism.which Fundto sumers.aridassistanceeffectively,help creditensure CDFIs counselingtosuch that small vary ascredit businessestechnical by to isorganiza- con-used foundersnortheasternandsupport diversify homegrown recognized theMinnesota. economy companiesthat manyIts of so 131 andloandevelopmenttion typemicroenterprisefunds, and venture banks,include capital loancredit community funds. unions,funds 132 jobs would not return to the Products and services of the Tina and Adam Makela and ran their adult foster care with a lot of hard work, some Bynessesneededindustryregion nurturing even and torecovered. start becomewhensmall their thebusinesses So, self-reliant.own iron individuals busi- mining ceededareindividuals,Northeast not restrictedin attracting Entrepreneur but theto low-income Fund Fund has suc- fundedbusinessFund,1996. the Thein from conjunctioncouple's Northeast a rental mortgage homewithEntrepreneur a inbank, to ness.tofrom 'creativemeet NEF, Our the business wefinancing,'demands built awas ofhome and our a busk loan createentrepreneurialthewith Fund loans local hopesand prosperity technical thinkingto encourage and assistance, and job creditaccessschedules.activitiesindividuals due to and traditionalto Individuals poorthroughincome-based credit sources its without history,marketing fee of survive:themdescribesbuildEntrepreneur aand new helpedhow home the Fund their in Northeast 1997. counseled business Adam asstory."Oura success expected, second Business after yearand onedid withwas notyear. our ado different heavyas well unemployedEntrepreneurCustomersopportunities. of orFund the under Northeast are employed typically exceedingareor businesseslackinsufficient also of eligible business microloan equitythat for requireexperience, funding. oramounts collateral funding For necessaryopportunity"Myby wife, providing Tina, service to be anda relativelyself-employed toI saw our acommu- newgreat and putthestruggledecisionsdebt abusiness, loadheavy to (partlyon survive. strain my among part),due on The toourother it astresswas personalfew things, a bad of providetoresources,traditionalindividuals start orfor expandbusiness whothembut have lack and businesses development accessthetheir desire families. to to othertohasNortheast(average $100,000 lenders expanded size: Entrepreneur to and address $7.785),its partneredlending these theFund limits with withness.startedcardnity. ourwe We Withour rentedtwo lived adult achildren thousand ain foster large the and new carehome dollar operated home busi- and credit creditruptcy.cialoptionand issuesfamily counseling for We dealing waslife.went Weto toand withfile feltconsumer fortalked ourour bank- finan-only business-developmentloanownersandThe prospectiveFundproducts. using offers aIt flexiblesmallalsoloans provides business toservices array existing of areAdamnortheasternunmet one Makela of credit the andmany needs.Minnesota his couples wife. whoTina, in have "Weimmediately.Ourthe business businesssoon found in took the out offsame that almost withoutsite. wouldcalledseemedto Funda bankruptcy thebe toto filingNortheast letoffer them bankruptcy. attorney...other knowEntrepreneur choices. thatno They one we I 133 programs.technicalsuch as one-to-one assistance consulting, and training 3ES1 COPY AMA attainedEntrepreneuricesbecause offered economic of the by Fund. supportthe self-sufficiency NortheastAdam and started serv- LE going.financingnota two-yearEntrepreneur qualify I went to fortrack keep tothe Fund, therecord, necessaryour Northeast business A yearwe did later theythesuggested alternativespossible were crazy, I comeoptions. and in toto I explorethoughttalk about. all 134 Key Players keepingmy"The choices. Fund the helped businessI never me dreamed would identify not that ResultsAsNortheast of December Entrepreneur 1999,trained the Fund or provided has: technical uniqueFinancialThe Community among Institutions the Development federal Fund govern-is banksalsoThe Northeastworks and economicin partnership Entrepreneur development with Fund businessservicemytheonly creditorswisest be plan.possible, would option. andI redesigned operate developed but I worked would and how a bewithhow debt the 145loanedindividuals;assistance businesses; over to $1.8 over million 3,200 to andtheprises.financialment organizations does agencies It assistanceinteracts not use that that intermediariesdirectly provideto itmicroenter- supports, with northeasternmentfosterand community andentrepreneurial business Minnesota. organizations growth develop- in to theishingsmallcashFund business would loanwork, for fromsome flow. Notfrom theonly needed bankruptcy, Entrepreneur did weborne save fin- I got another helpedindividuals;tomade low- 80 andto percentcreate moderate-income or of retain its loans 906 Thegovernments.suchfinancial CDFI as banks, Fund support orhas state to increased the or Northeastlocal its "Aftergreatlycash flow four improved. andyears profitability the business were is jobs recordedexpandingthatthrough it has 458 a assisted ortwo-year businessesstabilizing; with overall starting,and grants,Fund1997,Entrepreneur allowing wasthe Northeastawarded itFund to make over$285,000 Entrepreneur loans time. up inIn ruptcy.employee.isdoing OnceI hired very Iagain ammy Wewell, stillroom stable did inand asbusiness,not andour a file full-time healthy.family bank- am life 85business percent. survival rate of productstograntsIn provide1999,$100,000 of itto$368,000, morewas microenterprises to smallawarded flexible enabling businesses. loan additional itand abletOoperatingtodramaticbusiness show pay itup all effectivelyisstatisticit anywhere notof the and bills. iswilland as not The not aam failure."going be a tocomponentincludedsmall serve businesses. itsa technical customers.increasing Each assistance its grant capacity 62 135 BEST COPY MAME 136 andFunding Uses Sources Special , ® United States DepartmentLoan Fund Capital andTechnical Support Assistance i ConsiderationS1998 Recipient, Excellence in of the Pre'Adential InstitutionsDevelopmentof the Treasury, Fund Financial Community ® United States DepartmentDevelopmentar the Treasury, \F Financial Community 1 i AwardMicroent(...ildllsDeveloping for category.erprise Entreprenetin4 awardedDevelopruent, by ® CalvertUnited StatesFoundation SmallAdministration Business ® United States DepartmentEnterpriseofInstitutions Agriculture, Grant Fund Rural Business k the COFIParticipant.Employment. Fund. Minnesota Investment Self --which ® Calvert Social Investment Fund ® United States Small Business 1 DeMonstration program, ® National CommunityAssociation Capital Administration \ .i , assiststhrough welfare training selfemploymorit recipientsr-and financing ® US Bank ® Minnesota Departmentand Economicof Trade Development 1 to asconsider sufficiencya means and accessof achieving to self ® Northland FoundationC S Mott Foundation ® Community DevelopmentF.B.andGrants theHeron Blockthrough City Foundation of DuluthSt. Louis County business-income waivers, ® FordUSNorthland West Foundation Foundation Foundation 7 BIEFicopy MUD 138 63 [UnitedMicro States loan Small Program Business Administration En prise Development Corporation I Enterprise Development Corporation TheBackground United States and OverviewSmall Business The SBA's Microloan Program developmentis a private, nonprofit corporation economic serving ThroughdemonstrationProgramAdministration thewas program, approved (SBA)in October Microloan SBA as 1991.a was andentrepreneurs,low-income,was otherestablished individuals veteran business to assist and with ownersminority women,the 1 smallSoutheastern businesses Ohio. in Appalachian The corporation also35loanoriginally intermediary fundedand grantauthorized two funding lenders. grants to providetoto The uptraining toSBA ingsmallbusinesscapability from businesses a concerns,to lack operate of incredit andareas successful todue suffer-assist to mationprovides to business small and development microbusinesses, infor- private-sectorastoand supportthey technical worked microentrepreneurs assistancefinancing toward obtainingfor providers their loansanUnder economic to qualifiedthe program, downturn. intermediaries SBA makes ( nessand administers revolving loan several funds. small busi- Sinceannouncedprogrambusinesses. then, participants theon The JuneMicroloan original 10, were 1992. 37Program established$7,500loans,which, typically inor turn, less, or providegrowing thoseto start-up, averaging small-scalesmall newly busi- permanentThetechnicalintermediarieshas grownMicroloan assistance toin encompassDecember andProgram non-lending. providers. became 1997. 160 nonprofitintermediarySBAmaterials,ness alsoconcerns organizations providessupplies lenders for workinggrantsor and equipment. for otherto techni-capital, sectorloanslow-incomepotentialcal assistance under sources. microborrowers individuals$25,000 to microborrowers, from seeking and private- 64 139 140 theA smallitsmicroloan intermediary geographic business must lenderlocation. in apply need servingdirectly ofIt cana to ofin122Since theOhio. microloans, rural1992. The Appalachian EDC average totaling has microloanprovided region$5 million, Usingafter,businessback toshe the school degree. approachedtechnical and Shortly\there- earnedassistance-, EDC. a ofapply ness,businessapplication, for size a microloanthat and it meetsis eligibility a for-profit if, SBA at standards. time busi- microloansloans.receivedamount Nearly is over $8,800. have 6551 beenpercentpercent Women made of havetheEDC's to Healthestablishedacquiredprovided Care businessby RoyaltyEDCin 1994 and skills, Homewith her Jeanne newly Jeanne Tyson (right) and ofchargeisThe sixmicroloan'sfunds maximum years. interest from Intermediaries thesizeterm based SBA. and for on athe microloan the maycost income.categorizedofstart-up microloan businesses. as borrowers low- to The moderate- are majority businessin-homeCare'smicroloan.financing core health grew,from Royalty business herJeannecare. Homefirst Asis qualitywasSBA the Health newGin Anderson forms for reviewprogram some care. isinpatingOne Enterprisethe nonprofit SBA as an Micro intermediaryDevelopment organization loan Program lender partici- Jeanne,throughthewhoJeanne SBA's have Tyson EDC.a Microsinglebenefited In is loan theonemother early Programfromof many on 1990s, thewhomhiringable welfare to employees,had take roles also her andbeen family many began on offwelfare. of of tioneconomicfinancialOhio.Corporation serving EDC technical development is (EDC)the a multi-facetedAppalachian assistancein The organiza- Plains, and youngWithaagedwelfare career supportby daughters, assistance, herin home father from health Jeanne toherwas pursue two care.encour- went thetance.withThroughoutbusiness-based organization EDC, She Jeanne worked her relationshipbefore technicalhas closely received receiv- withassis- revolvingandfundsregion guaranteedmaintain toof EDCOhio.funds. thein SBA SBA loansthe microloan providesformalso to establish providesof direct onlyshesupportingreceiveding did herbecame she first a become secondmicroentrepreneur, loan a homeowner and, loan.a self- in Nottime, 141 grants for technical assistance. as well. 142 65 While her client list remained be quite successful." 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Smalland the drive, Business 1998 Jeanne Welfare Person withThesein-houseintermediariesbusiness patience qualities owners."systems, and must areunderstanding. 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4,, 4544k ,44° 4,47 sr at ;54 , - 4 L.4 /444 e BEST COPY AVAILABLE 14,8 A Primer of Microenterprise Terms dixMicroenterpriseterminology gives newcomers all has its aown. to language the This microen- appen- and ABlockCommunity -flexible Grant federal Development aid that is A community-basedCorporationCommunity Development organization A privateLoanCommunity Fund nonprofit Development organization evaluateenceterprisetheir to circumstances. helpworld the programsthem a quick understand framethat best of and refer-suit mentrevitalization,townsintended and to promotefor improved use economic by neighborhood citiescommunity develop- and engagedcommunitythatbusiness is owned in residentsaffordableand/or and controlledcommercial and housing, is by operateorganizationscapitalthat channelsto independently community-based and private projects. or investment as It partmay facilities and services. Specific development. Community devel- of a community-based organization. . broadThe termsreaderdefinitions for should the below sake be areaware of simplicity.stated that in developmentstateFundsdiscretionuses ofor are thecity ofadministered funds officeslocal depending governments.are of economicleft by on to either thethe activitiesofopment businessinreal development estate, corporations specifically ventures investment and designedandspecialize rehabilitation related in to theirfundssomemoreLenders loans, andcontrol flexible the towhich the overrate than fundare theof conventional interestgenerally mayuse ofhave ontheir mayagency.prisethere have programsare For variationsslightly this from reason, different inagency microenter- some meanings, to terms Entitlementsize of the city Community). or town (see low-communityredevelopment,address and themoderate-income facilitieshousing, employMent needs commercial persons of and torowersfinancing. loanreduce fundswith Communitythe technical can chance also developmentassistanceofprovide losses bor- example,ofdepending each microenterprise a on "microloan" the nature program.generallyand focus For zations.aresizeandment nonprofit, areas.and corporations Allscope, Althoughcommunity tax-exempt the vast theyhave develop- majority varyorgani- a board in organizationaltheyareonmunity higher not have chartered developmentrisk flexibility loans.structure, or inSincelicensed, theirloan although com- funds gram,capHowever,refers of butto$15,000 a a small $25,000microloan in amountone cap agency's may inof another havecredit. pro- a and/orbankers,residents,of directors community relevant public composed officials, professionals leaders. of localfunders, nonprofittheyand regulations. aremay incorporated corporation. be subject toas state501(c)(3) laws In most cases, 10 149 program. 150 ADisadvantaged microentrepreneur Entrepreneur who is low- v.Dislocated WorkersIndividuals who: . EntrepreneurEconomically Disadvantaged AEntitlement city or urban Community community with oressentialtoincome, capitalis economically lacks foror otherbusiness adequate resourcesdisadvantaged. success, access to have been terminatedexhaustedment;terminationor have or laidare received off,eligible theiror layoff entitlement afor noticefrom or have employ- of to tiesishedhaspeteIndividuals asbeen in capital comparedthe impaired free andwhose enterprise creditto due othersability opportuni-to dimin- systemtoin com-the themetropolitananda populationBudget, Officecertain ofthat central areaofManagement because50,000 as cities defined or of of more, its anda by size, o have been terminatedandunemploymentprevious areor received likely industry to compensation; return or occupation;to their AnsameEnterprise economically or similar Zone line depressed of business. area receivesreceiveNonentitlementfromBlock the GrantCommunity Community federal funds communities government. directlyDevelopment Block Grant facilitysubstantialemploymenta noticepermanent or of enterprise; terminationlayoff as closure a at,result a of, plant, of ofor any any theircompaniestaxizationthat and has operations by otherbeen a thatcity incentivestargeted locateorwithin state or thefor through givenexpand revital-zone. to of Entrepreneurfundseconomic through development. the state office areinemploymenthave long-term the limitedsamearea in unemployedor opportunities orwhich similar reemployment they occupation andreside; for ofmanagesAn a individual business. arid who assumes organizes, the risks werecommunityeconomicunemployedranchers self-employed and conditions or as farmers)because a result (including in andof their generalnatural are 151 disasters. 152 71 AnIntermediary entity that makes and services ALow-Income nonprofit credit Credit union Union that is Median incomeIncome divides the income AOrganizationMicroenterprise type of intermediary Development that focuses technicalto marketing,includingloanssmall tobusinesses assistance eligible rnicroentrepreneurs, management entrepreneurs, andto its provides borrow- and and profitcreditTheofchartered a lower-incomestructure organization union, to althoughserve is similar it community. theis, astax-exempt. membersto aa non-regular withbelowaboveonedistribution residents with the residents median.median intohaving two having and Median incomesequal the incomes parts, otherfamily developmentopmenttionon microenterprise. corporations, organizations An nonprofit organiza- and including community devel- to aloaners.microentrepreneurs. revolving Anor grantintermediary loan funds fund to mayfor establish lending receive ingstate.creditInFederally on general, Theirunionstheir levelserviceschartered arethey ofregulated offer capitalization. vary low-income services depend- by the not medianwithnumberonand the householdno distribution income.incomeof units, incomes calculation However,including of the are total thosethefor based assistsaspiringneurs,workssocial servicedirectlyprovides them microentrepreneurs inorganizations with startingservices microentrepre- their to and own that Therazs=A certainspecificallyLow criteria Income level and defined of measure income by each of that income agency. is forwhobelow-marketinstitutionsprovided bank might loans.by notsuch mainstream rates otherwiseLow-income as tosmall individuals financial qualifyloans credit at Microbusinessincome.persons is based on those with OrganizationMicroenterprisebusiness. Support agencies"lowlevel income"required and thevaryto be programs. among designated the forfoundationsunions deposits rely heavily andto support other on banks,investors their work. AMicroenterpriseSee very microenterprise. small business. Most often, developmenttheasdirectlyAn its entityefforts principal with that of rnicroentrepreneurs organizationsrnicroenterprise doesactivity, not but work supports through ingmoreincorporatedship,it is thea familythansole owner(s), proprietorship,five business, entity employees, does that or not has an partner- have includ- no = 2 activities.assistance,financial assistance, research technical or other 72 1 5 3 start-upandequityaccess requires or toor other conventional expansion $25,000 banking capital.or loans,services; less for 154 aanTheMicroentrepreneur microenterprise. individual owner of seeking a microenterprise to establish or ThespecificallyAModerate certain criteria level Income definedand of measure income by each of that agency. income is jectedor toIndividualsSociallycultural racial bias orDisadvantaged ethnicwho because have prejudice beenthey aresub- thanAMicroloan small $25,000, loan, generally that is made less to Revolvingthe"moderatelevel agencies required Loanincome" and to beFund the designatedvary programs. among =ME-Women-Ownedwithoutqualities.members regard of ato particular Businesstheir individual group, Microloanpurposes.a microentrepreneur Borrower for business morethatIn general, repayments loans. a The fund areterm structured used revolving to makeso A businessmore51 percent women, that owned isand at theleastby onemanage- or purposemediarythatAn individual borrows orof astarting, granteeorfunds a small fromcontinuing for business thean inter- termdevelopmentinterchangeablyloan fundis also.used is sometimes loan with specificallyfund. community usedThe to whichmorement are andwomen. controlled daily operations by one orof or enlarging its business. arebusinessmoneythatdescribe typicallydepends to a loans.make nonprofit more primarily Termshousing favorable loan onand arid fundpublic rates than small anyagencyaloanconventional nonprofit regulatory fund and can organization is financing. benotagency. administered overseen A or revolving a bypublic by 155 156 73 Regional and Local Contacts RuralUnited Development States Department State Offices of Agriculture ProgramsFederal Microenterprise vary in their AlabamaSterling Center 655Colorado Parfet Street 9173Idaho West Barnes Drive 771Kentucky Corporate Drive sivelySomestructureWashington, fromare and operated the organization. agency'sD.C., exclu- headquar- Fax:Telephone:Montgomery,4121Suite 334-279-3484 601Carmichael 334-279-3400 AL 36106-3683Road Fax:Telephone:Lakewood,Room 303-236-2854 E-100 303-236-2801CO 80215 Telephone:SuiteFax:Boise, Al 208-378-5643 ID 208-378-5600 83709 Fax:Telephone:Lexington,Suite 606-224-7340 200 KY 606-224-7300 40503 programsters. Other have federal local andagency Suite800Alaska West 201 Evergreen Camden,P.O.4607Delaware Box South 400DE Dupont 19934-9998 Highway Illinois1817Suiteiilini Plaza 103South Neil Street Telephone:Alexandria3727Louisiana Government LA318-473-7920 71302 Street provided,throughoutregionalWhere it offices isa thegenerallylocal United located contact theStates. is Fax:Telephone:Palmer, 907-761-7783 AK 907-761-770099645-6539 FloridaFax:Telephone: 302-697-4390 302-697-4300 Telephone:ChampaignFax: 217-398-5337 217-398-5235 IL 61820 MaineFax: 318-473-7829 businessformingbest resource a ownershipdream to beginof small into trans- Suite3003ArizonaPhoenix. North900 CentralAZ 85012-2906 Avenue Telephone:Gainesville,P.O.4440 Box NW 147010 25th 352-338-3400FL Place32614-7010 Telephone:Indianapolis,5975Indiana Lakeside 317-290-3100 IN Boulevard 46278 Telephone:P.O.Suite967Bangor, Illinois Box4 405 AvenueME207-990-9106 04402-0405 maylistsreality.will localhave answer The contactsregarding directory questions who their below you ArkansasTelephone:Fax: 602-280-8770 602-280-8700 StephensGeorgiaFax: 352-338-3450 Federal Building FederalIowaFax: 317-290-3095 Building 4607MarylandFax: South 207-990-9165 Dupont Highway youofprograms in microenterprise. making and the assist most Telephone:Fax:LittleRoom700 West 501-301-3278Rock, 3416 501-301-3200 Capitol AR 72201-3225 Avenue Telephone:Fax:Athens,355 East.706-546-2152 GA706-546-2162 Hancock 30601-2768 Avenue Fax:Telephone:210RoomDes Walnut515-284-4859 873 Moines. 515-284-4663Street IA 50309 Telephone:Camden,Fax:P.O. Box302-697-4390 DE 302-697-4300400 19934-9998 Agency430California G 4169 Street 154RoomFederalHawaii Waianuenue 311 Building Avenue KansasP.O.1200 Box SW 4653 Executive Drive Amherst,Telephone:451Massachusetts West MA Street 01002413-253-4300 ConnecticutFax:Telephone:Davis. 530-792-5837 CA 95616-4169 530-792-5800 Fax:Telephone:Hilo, 808-933-8327HI 96720 808-933-8380 Telephone:Topeka,Fax: 785-271-2708 KS 785-271-270166615 3001MichiganFax: 413-253-4347 Coolidge Road 74 157 Fax:Telephone:Amherst,451 West. 413-253-4347 MAStreet 413-253-4300 01002 Fax:Telephone:EastSuite 517-324-5225 Lansing.200 517-324-5100 MI 48823 158 Minnesota Nevada North Carolina Pennsylvania Tennessee Telephone:St..375410 Paul.AgriJackson Bank MN 651-602-7800 Street55101.1853 Building Telephone:CarsonFax:1390 775-885-0841City. South 775-887-1222 NV Curry 89703-9910 Street. Telephone:Raleigh,Suite4405 Bland260 919-873-2000NC Road 27609 Telephone:Harrisburg,SuiteOne Credit 330 UnionPA717-237-2299 17110-2996 Place Fax:Telephone:Nashville,Suite3322 615-783-1301 West300 TN End615-783-1300 37203-1084 Avenue FederalMississippiFax: 651-602-7824 Building SuiteTarnsfieldNew Jersey22 Plaza FederalNorthFax: 919-873-2075 Dakota Building NewPuertoFax: 717-237-2191San Rico Juan Office Building TexasFederal Building Fax:Telephone:Jackson,100Suite West601-965-5384 831 MS Capitol 601-965-4316 39269 Street Telephone:Fax:Mt.790 Holly, Wood609-265-3651 609-265-3600 NJlane 08060 Road Telephone:Bismarck,P.O.220Room East Box 208 1737Rosser ND 701-530-2037 58502-1737 Fax:Telephone:Hato159Room Carlos 787-766-5844Rey, 501 PR East787-766-5095 00918-5481 Chardon Street Fax:Telephone:Temple,101Suite South254-742-9709 102 TX Main 254-742-970076501 601MissouriParkade Business Center Loop 70 West 893rdCityNew MainFloor Center Hampshire Street FederalOhioFax: 701-530-2108 Building Amherst,Rhode451 WestIsland MA Street01002 125WallaceUtah South F. BennettState Street Federal Bldg=. Fax:Telephone:Columbia,Suite 573-876-0977 235 MO 573-876-0976 65203 Fax:Telephone:Montpelier, 802-828-6018 802-828-6000VT 05602 Telephone:Columbus,200Room North 507 High OH614-255-2500 43215-2477Street Telephone:SouthFax: 413-253-4347 Carolina 413-253-4300 Fax:Telephone:SaltP.O.Room Lake801-524-4406Box 4311 11350 City, 801-524-4320 UT 84147-0350 SuiteMontanaUnit. B 1 Albuquerque,Room6200New MexicoJefferson 255 NM Street 87109 NE 100OklahomaFax: USDA614-255-2559 Columbia.Room1835Strom Assembly 1007Thurmond SC 29201 Street. Federal Bldg. CityVermont Center Telephone:900Bozeman.P.O. Technology Box 406-585-2580 850 MT Boulevard 59715 NewFax:Telephone: 505-761-4976York 505-761-4950 Fax:Telephone:Stillwater,Suite 405-742-1005 108 OK 405-742-1000 74074-2654 SouthFax:Telephone: 803-765-5633 Dakota 803-765-5163 Fax:Telephone:Montpelier,893rd MainFloor 802-828-6018 Street VT802-828-6000 05602 NebraskaFederalFax: 406-585-2565 Building Syracuse.Suite441The SouthGalleries 357 NYSalina of13202-2541 Syracuse Street SuiteOregon101 1410 SW Main Street. Huron,200RoomFederal 4th 210 SD BuildingStreet 57350 SW 4440Virgin NW Islands 25th Place 159 Telephone:Fax:Lincoln,100Room Centennial402-437-5408 152 NE402-437-5551 68508 Mall N Fax:Telephone: 315-477-6438 315-477-6400 BEST COPY AVM Fax:Telephone:Portland, 503-414-3392 OR 503-414-3300 97204-3222 BLE Fax:Telephone: 605-352-1146 605-352-1100 Fax:Telephone:Gainesville,P.O. Box352-338-3450 147010 352-338-3400FL 32614-7010 160 " VirginiaUSDA (continued) UnitedAtlantaRegionalMinority Regional States Business Offices OfficeDepartment Development of Commerce Agency New York Regional Office AlabamaUnitedExportUnited States AssistanceStates Department Commercial Center Directory ofService Commerce California Telephone:Richmond,SuiteCulpeper1606 238 Santa Building VA804-287-1550 Rosa23229 Road Telephone:Atlanta,Suite401Fax: West 1715 404-730-3313GA Peachtree 404-730-330030308 Street NW Telephone:Room26 NewFederal 3720 York. Plaza 212-264-3264 NY 10278 Birmingham.Room950Birmingham 22nd 707 Street Al 35203 North Telephone:Fresno,390-BFresno Fir CA Avenue 559-325-161993611 WashingtonFax: 804-287-1721 SouthGeorgia,Serving:North Carolina, Alabama.Carolina,Kentucky, Tennessee, PuertoFlorida, Rico. Serving:NewMaine,Fax: York.212-264-0725Hampshire, Connecticut, Maryland, Pennsylvania. NewMassachusetts, Delaware, Jersey. AlaskaFax:Telephone: 205-731-0076 205-731-1331 2940OntarioFax: Inland 559-325-1647 Empire Boulevard Telephone:Olympia.Suite1835Fax: BlacklakeB 360-704-7742 WA 360-704-7740 98512-5715 Boulevard, SW ChicagoVirgin55 EastIslands Regional Monroe OfficeStreet SanWashington.Rhode Francisco Island. D.C., Regional Vermont. West Virginia Office Virginia, Telephone:Anchorage,Suite550Anchorage* West 1770 7th 907-271-6237AK Avenue 99501 Telephone:servingOntario,SuiteFax: 121 Inland 909-466-4140CA 909-466-413491764 Empire 75West High Virginia Street Fax:Telephone:Chicago,Suite 312-353-0191 1046 IL 312-353-018260603 Telephone:SanFax:Room221 Francisco. Main415-744-3061 1280 415-744-3001 Street CA 94105 ArizonaFax: 907- 271-6242 SuiteOneLong World 1670Beach Trade Center Telephone:Morgantown,Room 320 304-291-4791 WV 26505-7500 WisconsinServing:Missouri,Kansas, Illinois, Michigan, Nebraska, Indiana, Minnesota, Oklahoma, Iowa, Samoa.Serving:Nebraska. Arizona.Alaska. 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WestArkansas Memphis Telephone:SuiteWestLos11150 975Los Angeles, Olympic Angeles 310-235-7104 CA Boulevard 90064 Telephone:Casper,Fax: 307-261-6327WY 307-261-6300 82602 Phone:Serving:WestSuite425 West 700Memphis, 501- Little Capitol 324-5794 Rock AR Avenue 72201 ofcioMonterey InternationalFax: Monterey 310-235-7220 Institute Studies 76 161 BEST COPY MI BLE Fax: 501-324-7380 Telephone:Suite411Fax:Monterey, Pacific 320 831-641-9849 Street831-641-9850 CA 93940 162 Novato San Francisco District of Columbia 6001Savannah* Chatham Center Drive 515Rockford North Court Street Telephone:Fax:Novato,Suite330 Ignacio415-883-2711 102 CA415-883-1966 Boulevard94949 Fax:Telephone:San14th250 MontgomeryFrancisco,415-705-2297Floor 415-705-2300 CA Street 94104 FloridaServedExport by Assistance the Northern Center Virginia Fax:Telephone:Savannah.Suite 912-652-4241 100 GA912-652-4204 31405 Fax:Telephone:Rockford, 815-963-7943 IL 815- 61103 987-8123 Oakland530 Water Street 101San ParkJose Center Plaza 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Fax:Teleohone:Pontiac,Suite250 Elizabeth 248-975-9606 1300 MI West248-975-960048341 Lake Road Omaha,Nebraska11135Omaha NE "0" 68137 Street 1100SantaNew MexicoSt. Fe Francis Drive Fax:Telephone:Westchester,Suite707 Westchester914-682-6698 209 914-682-6712 NY Avenue10604 BaltimoreMaryland 45MinneapolisMinnesota South 7th Street Telephone:Fax: 402-221-3668 402-221-3664 Telephone:Fax:Santa 505-827-0263 Fe, 505-827-0350 NM 87503 CharlotteNorth Carolina 78 1 5 Telephone:Suite401Fax:Baltimore, East. 2432 410-962-4529 Pratt 410-962-4539 MD Street 21202 Fax:Telephone:Minneapolis,Suite 612-348-1650 2240 612-348-1638 MN 55402 BEST COPY AVAIL Fax:Telephone:Charlotte,Suite521 East704-332-2681 435 Morehead NC 704-333-4886 28202 Street 166 400Greensboro West Market Street Oklahoma ThePhiladelphia Curtis Center 555Greenville* North Pleasantburg Drive Texas Telephone:Fax:Greensboro,Suite 336-333-5158102 336-333-5345 NC 27401 Telephone:OklahomaSuite301 330 Northwest City, City405-608-5302 OK 63rd 73116 Street Telephone:Philadelphia.WestSuite Independence580 215-597-6101 PA 19106 Square Telephone:Greenville,SuiteBuilding 109 1 864-271-1976 SC 29607 Telephone:Austin,2ndAustin1700 floor TX Congress 78701 512-916-5930 Raleigh,Suite333Raleigh Fayetteville 1150 NC 27601 Street Mall Tulsa700Fax: North405-608-4211 Greenwood Avenue 10002002PittsburghFax: 215-597-6123FederalLiberty Avenue Building SiouxSouthFax: 864-271-4171 Falls*Dakota 2050DallasFax: North 512-916-5940 Stemmons Freeway_ Telephone:NorthFax: 919-715-7777 Dakota 919-715-7373 Telephone:Tulsa,Fax:Suite OK 918-581-6263 1400 74106 918-581-7650 Fax:Telephone:Pittsburoh, 412-395-4875 PA412-395-5050 15222 SiouxRoomMadsen2001Auqustana SouthFalls,15? Center College SummitSD 57197 Avenue Telephone:SuiteFax:Dallas. 170 TX 214-767-0542 75207 214-767-8240 OhioExportServed Assistance by the Minneapolis Center Suite1401Eugene*Oregon 13Willamette Street Suite525SanPuerto F.D.RooseveltJuan 905 Rico Avenue TennesseeFax:Telephone: 605-330-4266 605-330-4264 Telephone:Fax:Fort711 HoustonWorth,Worth817-978-0178 817-71?-2673 TX Street 76102 Cincinnati,Suite36Cincinnati East 2650 7th OHStreet 45202 Fax:Telephone:Eugene. 541-465-6704 OR 541-484-1314 97440-1107 Fax:Telephone:San Juan,787-766-5692 PR 787-76u-5555 00918 Knoxville,Suite601Knoxville West 300 TNSummit. 37902-2011 Hill Drive Suite500Houston Dallas 1160 ClevelandFax:Telephone: 513-684-3227 513-684-2944 Portland,Suite121OnePortland SWWorld 242 Salmon OR Trade 97204 Street Center Providence,OneProvidenceRhode West Island Exchange RI 02903 Street MemphisFax:Telephone: 865-545-4435 865-545-4637 Fax:Telephone:Houston, 713- 718TX 713-718-3062 77002-3060 Telephone:Cleveland,Suite600 Superior 700 OH216-522-4750 Avenue 44114 Fast Fax:Telephone: 503-326-6351 503-326-3001 SouthFax:Telephone: 401-528-5067 Carolina 401-528-5104 Fax:Telephone:MemphisSuite650 East 901-320-9128 348 Parkway TN 901-323-1543 38104 South Telephone:SanSuite203 SouthAntonio.Antonio 360 St. 210-228-9878 TX Mary 78205 Street SuiteTwoColumbusFax: Nationwide216-522-2235 1400 Plaza No.228Harrisburg*Pennsylvania 850Walnut Street NorthSuite5300 201-CInternational Charleston,Charleston* SCBoulevard 29418 3rd211Nashville Floor.Commerce Suite 100Street UtahFax: 210-228-9874 Fax:Telephone:Columbus, 614-365-9598 OH614-365-9510 43215 Fax:Telephone:Harrisburg,P.O. Box717-221-4505 11698 PA717-221-4510 17108 -1698 Columbia*Fax:Telephone: 843-760-3798 843-760-3794 Fax:5162Telephone:Nashville, 615-736-2454or 7771 TN 615-736-5161/ 37201 Telephone:SaltSuite324 S.Lake 221 State City.City 801-524-5116 Street UT 84111 16 7 Fax:Telephone:Toledo,300Toledo Madison419-241-0684 OH 419-241-068343604 Avenue BEST COPY AVAILABLE Fax:Telephone:Columbia.Suite1835 803-253-3614 172Assembly SC 803-765-5345 29201 Street * Rural Export AssistanceFax: Center 801-524-5886 1C8 United States Department of Commerce (continued) United States Small Business Administration VermontExportUnited AssistanceStates Commercial Center Directory Service 801Spokane West Riverside Avenue AlabamaMicroloanIntermediary Program Lenders PortableTucson Practical Education WhiteBatesville River Planning and Telephone.:Montpelier,6thNationalMontpelier* Floor Life802-828-4508 VT Building 05620-0501 Fax:Telephone:Spokane,Suite 509-353-2449 400 WA 509-353-2625 99201 Birmingham,110ResourceBirmingham 12th StreetCenter Business AL North 35203 Tucson,Suite1100HousingPreparation East209 AZDevelopment Ajo (PPEP) 85713 Way Corp. Telephone:Batesville,1652P.O.BoxDevelopment White 2396 AR 870-793-5233Drive District.72501 Inc. VirginiaArlingtonFax: 802-828-3258 Tacoma,Suite950Tacoma Pacific 410 WA Avenue 98402 PensacolaServing:Fax:Telephone: 205-250-6384 Jefferson 205-250-6380 County Pinal,Serving:Fax:Telephone: 520-806-9515 Yuma. Cochise. 520-806-9513 rural Pima,Santa ruralCruz, Sharp,Independence,Serving:Fax: 870-793-4035 Stone, Cleburne, Van Izard, Fulton,Buren, Jackson, White; Telephone:Arlington,Suite1911 601North VA 703-524-2885Fort 22209 Myer Drive WestFax:Telephone: 253-383-4676 Virginia 253-593-6736 302CommunityPensacola,Investments. North Barcelona Equity AL Inc. 32501 Street SanMaricopaMaricopa,Fort Xavier McDowell. counties Indian Papago, ReservationsGilaincluding Salt River. River the and EconomyFinancingHuntsvilleWoodruff (FORGE) CountiesOzarks Rural Growth No.400RichmondFax: 540 North703-524-2649 8th Street Charleston,Suite405Charleston* Capitol 807 StreetWV 25301 Telephone:Gadsden,Serving:Fax: 850-595-6264 Bay,850-595-6234 Gulf, Calhoun, Jackson, Escambia, Holmes, Arkansas2304ArkansasPine BluffWest Enterprise 29th Street Group Telephone:Huntsville,P.O.208 East Box 1138Main AR501-738-1585 72740 Fax:Telephone:Richmond, 804-771-2390 VA804-771-2246 23240-0026 Wheeling*Telephone:Fax: 304-347-5408 304-347-5123 Washington,ofSantaWalton,Liberty, Alabama Rosa Leon,Wasington, andCounties Clarke, Franklin, Baldwin. Okaloosa, Monroe, in Wakulla, the Mobile. state Serving:Fax:Telephone:Pine 870-246-2182Bluff, Arkansas, AR 870-246-9739 71603 Ashley, Bradley, Marion,Perry,Serving:Fax: 501-738-6288 Conway, Carroll, Crawford. Franklin,Boone, Baxter, Madison, Pope. Yell, 2001SeattleWashington 6th Avenue Telephone:Wheeling,316WheelingFax: Washington 304-243-5494 JesuitWV 304-243-5493 26003 UniversityAvenue ofHoustonGeneva,Escambia, Florida Coffee,Counties Conecun, Dale, in Covington,the Henry, state Grant,Dallas.Cleveland,Calhoun, Greene,Desha, Chicot. Columbia, Drew, Hempstead. Clark, Garland.Craighead, Clay, Hot CaliforniaNewtonBenton, Washington, Searcy, Telephone:Seattle.SuiteFax: 650 206-553-7253WA 206-553-5615 98121 WisconsinMilwaukee ChicanosPhoenixArizona Por La Causa, Inc. Ouachita.Mississippi,LittleLafayette,Springs, River, Howard, Phillips,Lawrence, Lonoke.Montgomery, Jefferson.Pike, Miller, Lincoln. Poinsett, Nevada, 100CorporationArcata Ericson Economic Court Development Telephone:Fax:Milwaukee,Room517 East 414-297-3470 596 414-297-3473Wisconsin WI 53202 Avenue Fax:Telephone:Phoenix,1112 602-252-0484East AZ Buckeye 602-252-0483 85034-4043 Road ForrestSalinePolk, Prairie. Sevier City Pulaski, and Union Randolph.. Counties Serving:Fax:Telephone:Arcata,Suite 707-822-8982 100 CA Del 95521707-822-4616 Norte, Humboldt, WyomingServed by the Denver Reservation.includingYavapai,Graham,Serving: Maricopa, andGila,Point LaSouth-western Coconino,Mohave, of Paz Pines Pima. Counties. area ForrestP.O.335DevelopmentDelta BroadwayBox Community City, 852 ARCorp. 72336 TrinityLake, Counties Mendocino. Siskiyou, 80 169 *Rural Export AssistanceExport Assistance Center Center HopiportionsReservationsKaibab.of Fort. Reservations ApacheHavasupai. of the and Navajo Reservation, western and and Hualapai the Monroe.Serving:Fax:Telephone: 870-633-9191 Cross,Lee, 870-633-9112 St. Crittenden, Francis Counties 170 Suite221DevelopmentCaliforniaSalinas Main 300 CoastalStreet Corporation Rural ValleySuite3417DevelopmentFresno Small West100 Business Shaw Corporation ColoradoDenver1888 Sherman Enterprise Street Fund WilmingtonDelawareDevelopment Economic Corporator' Telephone:Washington.501DevelopmentH Street H Street, Community 202-544-8353 DCCorporationNE 20002 Telephone:Fax:Salinas,P.O Box 831-424-1094 CA479831-424-1099 93906 Telephone:Serving:Fax:Fresno, 559-271-9078 CA Fresno,559-271-9030 93711 Kings, Kern, Serving:Fax:Telephone:SuiteDenver, 303-860-0409 530 Adams, CO303-860-0242 80203 Albert, Arapahoe, Telephone:VVilminoton,SuiteFax:100 706 West302-652-5679 302-571-9088 DE10th 19801 Street AdamsDistrictServing:Fax: 202-544-3051 Morgan,with The the majority exceptionMount of Pleasant, the of CountiesObispo,Monterey,Serving: Santa San Clara, Barbara,Benito. Santa San Ventura Cruz, Luis OaklandCountiesMerced,Stanislaus, Tuolumne, Madera, Tulare Mariposa, CountiesJefferson,MontroseBoulder, andl...arimer Denver, the city Douglas,and of Weld Denver El Paso, TownsendtheServing:New cities Castle, New of Wilmington, Castle Middletown, County Newark, Odessa, and FloridaCorridorColumbiaAnacostia, and Heights, Congress Ward 814th Heights, Street Telephone:San875Southeast O'FarrellFrancisco,Francisco Asian 415-885-2743 Street CA Community 94109 Ctr. Oakland,Suite519DevelopmentOakland 17th 100 Business StreetCA 94612Corp. Montrose,P.O.DevelopmentRegion Box 10 849 LEAPCO 81402 for Economic ARCHWashington,1227District Development Good of DCColumbiaHope Road.Corporation SE CommunityPensacola302Investments. North Equity Barcelona Inc. Street SanServing:Marin,Fax: Francisco, 415-885-3253 Alameda, Merced, San ContraSacramento. Joaquin, Costa, ContraServing:Fax:Telephone: 510-763-1273 Costa Alameda 510-763-4297 Counties and Telephone:SanHinsdale,Serving:Fax: Miguel970-249-2488 Delta,970-249-2436 Montrose, Counties Gunnison, Ouray, Serving:Fax:Telephone:Washington, 202-889-5035 portions 202-889-5023 DC 20020of the District Telephone:Gadsden,Serving:Fax:Pensacola, 850-595-6264 Bay, 850-595-6234 Gulf, FL Calhoun, 32501Jackson, Escambia, Ho Irnes, ValleyVanStanislausSan Mateo,Nuys Economic Counties Santa Development Clara. Suite560SierraAuburn Wall F Economic Street Development ConnecticutNew Haven Community theHeights.Pleasant,toof Columbiaas 14th Adams ColumbiaStreet Anacostia, commonly Morgan, Corridor Heights, Congress Mount referred and Walton,Washington,ofSantaLiberty, Alabama Wasington, Rosa Leon, andCounties Clarke, Franklin, Baldwin, Okaloosa, Monroe, in Wakulla, the Mobile, state Telephone:VanCorporation2nd4717 Nuys, Floor Van CA 818-907-9977 Nuys 91403 Boulevard Serving:Fax:Telephone:Auburn, 530-823-4142 CAModoc. 530-823-4703 95603 El Dorado, Fax:Telephone:NewInvestment100 203-776-6837Haven. Crown Corporation203-776-6172 CT Street 06510 Washington,3101DevelopmentEast Martin of the Luther DC River Corporation 20032King. Community Jr. Ave, SE ofHoustonGeneva;Escambia, Florida Coffee,Counties Conecuh, Dale, in Covington,the Henry, state OrangeServing:Fax: 818-907-9720 County Los Angeles and Lassen,Placer Nevada, Counties PI Limas, Sierra, Serving: The state of Connecticut Washington,Serving:Fax:Telephone: 202-561-4978 Portions 202-561-4974 DC commonly of Southeast 608HousingClearwater North Services Garden Neighborhood Inc.Avenue known as Ward 8 theServing:Fax:Telephone:Clearwater, city :127-446-4911 of Pinellas Clearwater 727-442-4155FL 33755 County and 171 172 81 IntermediaryMicroloanUnited States Program Lenders Small Business Administration (continued) 3700EnterpriseMinority/WomenOrlando 43rd Street.Alliance, Business Inc. GRASPFultonAtlantaGeorgia County Enterprises Development Corp/ PanhandleHaydenHayden,11100 Airport Area ID 83835-9743 Council Drive 124CouncilThePeoria SWEconomic forAdams the PeoriaDevelopment Street Area SiouxlandSiouxIowaDeveiopment City Economic Corporation Serving:Fax:Telephone:Orlando.Suite 407-428-5869 100 Orange, FL 407-428-5860 32805 Osceola, Lake, Telephone:Atlanta,Suite55 Marietta 2000 GA 404-659-5955Street,30303 NW ShoshoneServing:Fax:Telephone:Boundary, 208-772-6196 Benewah, Counties 208-772-0584 Kotenai, Bonner, and Serving:Fax:Telephone:Peoria,Suite 309-676-6638 300 II Peoria. 309-676-7500 Tazwe and 61602 Sioux507428P.O. Insurance7th City, BoxStreet IA447 51102Center MarionSumter,Seminole, Counties Brevard, Polk,Hillsborough, Volusia and DouglasGwinnett,Serving:Fax: 404-880-9561 andFulton, Fayette, Rockdale Deka Clayton, lb, Counties Cobb, Henry, GreaterSterlingIllinois Sterling Development EvansvilleIndianaWoodford Counties andServing:Telephone:Plymouth,Fax: Counties 712-279-6920 Cherokee. 712-279-6286 Sioux, Ida, Woodbury, Monona, Suite324ofTheWest the DaturaBusiness 201 Palm StreetBeachBeaches, Loan Fund Inc. Suite111SmallSavannah East 100Business Liberty Assistance Street Corp. Telephone:Sterling,Corporation1741 IndustrialIL 61081815-625-5255 Drive Assistance1306Metro NW Civic SmallMartin Corporation Center Business Luther Complex King jr. Blvd SouthWichitaKansas Central Kansas Economic Serving:Fax:Telephone:West 561-838-9029 Palm Palm Beach,561-838-9027 Beach FL County. 33401 Serving:Fax:Telephone:Savannah,P.O. Box912-232-0385 Chatham,10516 GA 912-232-4700 31412-0716 Effingham, ChicagoServing:Fax: 815-625-5094 Whiteside, Lee Counties GibsonServing:Fax:Telephone:Evansville, 812-436-7809 and Vanderburgh, IN812-426-5857Warrick 47708-1869 Counties Posey, Telephone:Wichita,Development151 North KS 316-262-7035 67214Volutsia District, inc. GainesvilleDevelopmentPalmHendry, Beach Indian County Regions, River, Martin. St. Lucie HonoluluHawaiiBryan, Bulloch, Liberty Counties Chicago_,SuiteSears233Illinois South 4000 TowerDevelopment IL 60606 Wacker DriveFinance Auth. MicroenterpriseBloomington Area Initiative McPherson,Harvey,Cowley,Ser.:ring:Fax: 316-262-7062 Kingman,Elk, Butler. Reno,Greenwood, Chautauqua. Marion, Rice, Harper. Gainesville,P.O.505DevelopmentUnited NWBox Gainesville 2nd2518 FL Avenue Corporation, 32602 Community Inc. Telephone:Honolulu,720Pacific North Gateway HIKing 808-845-3918 96817 Street Center Tazell,Telephone:LeeServing:Fax: Counties, Woodford,312-496-0578 Statewide312-627-1434 the Whiteside, city except of Sterling, Peoria, Fax:Telephone:Bloomington.Suite216 West 812-333-6966124 Allen 812-333-4276 IN Street 47403 CenterKansasSedgwick for City andBusiness Sumner Counties CountiesServing:Fax:Telephone: 352-376-3389 Alachua 352-376-8891 and Marion IdahoServing:Fax: 808-842-1962 The state of Hawaii currentlyandSelf those Employment served portions by of theProject. Chicago Women's JacksonLawrence,Serving: CountiesMorgan, Monroe, Owen. Brown Greene, and Telephone:Fax:Kansas4747Innovations, 816-756-1530Troost City. 816-561-8567 Inc.Avenue KS 64110 Miami,Suite3000Miami 101Biscayne FL 33137 Boulevard Boise,DevelopmentIda-OreBoise10624 ID Planning West83713 Association Executive and Drive Suite20SelfNeighborhoodChicago North Employment 400 Clark Inst./Women'sStreet Project Douglas.Serving: Wyandotte, Leavenworth Johnson, 82 173 andServing:Fax:Telephone: Pinellas 305-438-1411 Dade. 305-438-1407 Counties Broward, Palm Ada.Adams,Serving:Fax:Telephone: 208-322-3569Canyon, Valley, Payette, 208-322-7033 OwhyeeGem, Washington, Boise, Counties Elmore, BEST COPY AVAILABLE Telephone:Serving:Fax:Chicago, 312-606-9215 Portions 312-606-8255IL of city of Chicago 60602 174 Kentucky Maine Maryland Fall River Taunton Lexington.1450CommunityLexington North KY BroadwayVentures 40505 Corporation CoastalWiscasset36P.O. Water BoxEnterprises. 268Street or Inc. Baltimore,Suite2526The Development North200. MDCharles 21218 Credit Street Fund Telephone:FallOneDevelopment River River,Government Office MA 508-324-2620 02722 of Center Economic Telephone:Taunton,88DevelopmentSouth Broadway Eastern MA 508-822-1020 Corporation02780 Economic (SEED) Boyle.Serving:Fax:Telephone: 606-231-0261 Clark, Anderson. 606-231-0054 Estill. Fayette,Bourbon, Aroostock.Serving:Telephone:Wiscasset,Fax: 207-882-7308 Statewide Piscataquis, 207-882-7552ME 04578 excluding CountiesMontgomeryServing:Fax:Telephone: 410-235-5899 Statewide 410-235-8100.. and Prince excluding Georges SpringfieldServing:Fax: 508-677-2840 The city of Fall River andPlymouth,Serving:Fax: Nantucket508-880-7869 Norfolk, Barnstable. Counties Bristol, Dukes Jessamine,andMercer,Franklin, Woodford Nicholas,Garrard,Lincoln, Counties Madison,Harrison, Powell, Scott andWashington,Caribou Hancock Oxford,Counties Penobscot 501HWashington, Street H Street, Development DCNE Corp Telephone:Springfield.Greater1176Entrepreneurial SpringfieldMain 413-781-6900MA Street 01103 Fund CenterAnnMichigan Arbor for Empowerment P.O.362CorporationKentuckyLondon Old Box Whitley 1738Highlands Road Investment Caribou,P.O.302CommissionNorthern SouthBox 779MEMaine Main 04736 DevelopmentStreet Serving:Fax:Telephone:Washington, (202) Montgomery 544-3051 (202) DC 20002544-8353 and andexcludingServing:Fax: Chicopes 413-736-0650 the Hampden towns of County Chester AnnSuite2002Economic Arbor. Hogback12 Ml Development Road48105 Serving:Telephone:Fax:London, 606-864-5194Bell, KY606-864-5175 Clay, 40743-1738 Clinton, Harlan. EasternliferglServing: or Maine Aroostook Development County Corp IndustrialEconomicLynnPrince George's Corporation Development Counties of Lynn AssociationCommunityWashington Transportationof DC America Telephone:Serving:Fax: 734-677-1465 Washtenaw734-677-1400 County WayneJackson,Louisville and McCreary, Whitley CountiesRockcastle. Telephone:Bangor,SuiteOne Cumberland 300, ME 207-942-638904401 Place Telephone:Lynn.3rd37 Central Floor MD (781) 01901Square 581-9399 Fax:Telephone:Washington,Suite1341 202-737-9197 G600 Street, 202-661-0210 DC NW 20005 Detroit,Suite211EconomicDetroit West 900 MI FortGrowth 48226 Corporation Telephone:CorporationLouisville,1015Louisville West 502-583-8821 /Central BusinessKY Chestnut 40203 Development Plus Street CountyPiscataquisServing:Fax: 207-942-3548 Hancock, and Washington Penobscot, MassachusettsServing:Fax: (781) The 581-9731 city of Lynn Orange,Gardner.Massachusetts,Serving: Erving, NorthTempleton, Athol, Central Wendell, k.A./inchendon, Phillipston, Serving:Fax:Telephone: 313-963-8839 The 313-237-4629 city of Detroit MayfieldServing:Fax: 502-583-8824 Jefferson County CommunitySouth19P.O. Market Paris Box Concepts,278 Place Inc. Jewish6th105Boston FloorChauncyVocational Street Service, Inc. WesternGreenfieldCountiesMontague, Massachusetts Gill and Greenfield 316TheandCommunityFlint DevelopmentWestWalter Water ReutherCapital Street Corp. Center Telephone:Mayfield,P.O.1002Purchase Box Medical 588AreaKY 270-247-7171 42066Drive Development Dist. Serving:Telephone:SouthFax: Paris, 207-743-6513 Oxford 207-743-77'16 ME County 04281 Serving:Fax:Telephone:Boston, 617-451-9973 MAGreater 617-451-8147 02111 Boston Telephone:Greenfield.Suite308Enterprise Main 2B Street 413-774-4033MA Fund 01301 ServinFax:Telephone:Flint, 810-239-5575 Ml 48503 810-239-5847 Genesee Count 1" McCrackenFulton,Serving:Fax: 270-251-6110 Graves, Ballard, and MarshallCalloway,Hickman. Counties Carlisle, Chicopes,Counties,Serving:Fax,: Berkshire413-774-3673 and Petersham, the towns and Phillipston Franklin of Chester. 178 83 MicroloanUnitedIntermediary States Program SmallLenders Business Administration (continued) Minnesota Bowie Jefferson City Nebraska Telephone:Marquette,228NorthernMarquette West Initiatives Washington 906-228-5571MI 49855 Corp. Street Suite820NortheastVirginia Ninth 200, EntrepreneurStreet North Fund, Inc. Telephone:Bowie.819Mississippi Main MN: 601-335-5291 Street Delta 38701 Foundation JeffersonTelephone:1014Rural NortheastMissouri, City. 573-635-0136 MO Inc.Drive 65109 Walthill101ProjectRural South Enterprise Center Tallman for Assistance Rural Street Affairs Houghton,Delta,includingServing:Fax: 906-228-5572 Dickinson. UpperAlger. Iron, Baraga,Peninsula Keewenaw, Gogebic. Chippewa. Serving:Fax:Telephone:Virginia, 218-741-4249 Koochiching,MN 218-749-4191 55792 Itasca, Copiah.Madison.Issaquena,Serving:Fax: 601-335-5295Hinds, Statewide Leake, Sharkey. Rankin, Kemper. excluding Newton,Humphreys. CassPlatte,Serving:Fax: 573-635-5636Counties Jackson, Statewide Clay excluding and Telephone:Walthill.Fax:P.O. Box402-846-5420 NE 402-846-5428 40668067 SchoolcraftMenonimee,Luce, Macinac, Counties Ontonagon Marquette, and WomenHeidelbergandSt. Louis, Lake Venture CountiesAitkin, Carlton,Cook WayneMississippiSmith, and Jasper. Greene Clarke. Counties Jones. DevelopmentDistrictCapitalBozeman IX,Opportunities Human Council, Resources Inc. Deuel,Cheyenne,Brown.Blaine,Serving: Dixon.Burt,Boone, Antelope, Colfax, Cass, Gage, Box Custer,Cedar,Banner, Butte.Garden. Cherry,Dawes,Boyd, SuiteRelendinqRuralTraverse121 201Michigan East CityProgram, Front Intermediary Street Inc. Telephone:Heidelberg,Suite2324 University200 651-646-3808MN Avenue55112 Jackson4880ofFriends Mississippi, McWillie of Children CircleInc. Fax:Telephone:Bozeman.Suite321 East406-585-3538 300 Main MO 406-587-4486 Street59715 McPherson,Knox,Johnson,Garfield, Lancaster, Greeley,Keya Morrill. Paha, Loup, Holt, Nance, Kimball, Jefferson, Telephone:TraverseServing:Fax: 231-941-4616 City, Emmet,231-941-5858 MI 49686 Charlevoix. andChisago,Isanti,Serving:Fax: Wright 651-641-7223 Dakota,Ramsey, St.Counties Paul: Hennepin, Scott, Andra, and Washington the Carver, Serving:Fax:Telephone:Jackson, 601-362-1613 Issaquena, MS 601-362-1541 39206 Sharkey, Serving:MontanaMeagher Gallatin. Counties Park and WayneSioux,Saunders,Platte,Nemaha, Richardson,Scottsbluff, and Otoe. Seward. Wheeler Pawnee, Thurston,Rock.Sheridan, Counties Pierce,Saline. Cheboygan,GrandAntrim,Otsego,Manistee, Traverse, Leelanau, Montmorency, Presque Wexford, Kalkaska. Benzie, Isle. Missaukee, Alpena, citiesMinneapolis of Minneapolis. Consortium St.Paul CountiesJones,Newton,Kemper,Humphreys, Wayne Smith,Copiah, Madison. and Jasper. Hinds. Greene Leake, Rankin,Clarke, 103DevelopmentMontanaMissoula East MainCommunity Corporation 201WestOgallalaDevelopment East Central 2nd NebraskaStreet District, Inc. Crawford,Osceola,Roscommon, Oscoda, Mason. Ogemaw, Alcona, Lake Counties losco, Telephone:of CommunityMinneapolis,Suite1808 Riverside25506 612-371-9986 Developers MN Avenue 55454-1035 South CenterKansasMissouri for City Business Serving:Telephone:Fax:Missoula, 406-542-6671 Lake, 406-728-9234 MT Mineral. 59802 Missoula, Telephone:Ogallala.P.O.BoxSuite C 599, NE 308-284-6077 69153 Saginaw3rd301CorporationSaginaw Floor.East EconomicGenesee Saginaw, Development Ml 48607 BemidjiServing:Fax: 612-673-0379 Parts of-city of Minneapolis Telephone:Kansas4747Innovation, Troost City, Inc. 816-561-8567Avenue MO 64110 Ravalli, and Sanders Counties Keith.Grant,Serving:Fax:Dundy, 308-284-6070 Lincoln,Hayes, Arthur, Frontier. Hitchcock,Logan, Chase, Furnas. Perkins, Dawson, Hooker. Gosper, Telephone:Serving:Fax: 517-754-1715 Saginaw517-759-1395 County Fax:Telephone:Bemidji,4225Northwest 218-759-2328Technology MN Minnesota 218-759-2057 56601 Drive, Foundation NW andServing:Fax: Cass 816-756-1530 Platte. Counties Jackson, Clay McPhersonRed Willow, CountiesThomas and 84 RedNorman,Woods,Hubbard,Serving: Lake, Mahnomen, Beltrami,Pennington, Kittsson,and Rousseau Clearwater, Lake Marshall, Polk, Countiesof the 177 BEST COPY AVA1 ( BLE 178 CarsonNevada City AssistanceTrenton Business Corporation SaranacNew York Lake CorporationCommunityCentereach Developmentof Long Island MartinNorth Carolina Lakes Telephone:CarsonSuiteNevada116 3 East City,Microenterprise 775-841-1420 7thNV Street89701-5236 Initiative Telephone:Trenton,36P.O. South Box 2451 NJBroad 609-396-8272 08608 Street Telephone:TrudeauAdirondackSaranacDevelopment Road EconomicLake,518 891Corporation NY 5523 12983 P.O. Box 747 Telephone:Centereach.Suite2100 Middle300 631-471-1215 CountryNY 11720 Road Telephone:MartinP.O.301Self-Help WestBox Lakes, 3619 VenturesMain 919-956-4400 NC Street 27701 Fund NewServing:Fax: 775-841-2221Jersey The state of Nevada CountiesMercer.Serving:Fax: 609-396-8603 Warren, Burlington, and portions Phillipsburg Hunterdon, of the city Jefferson,Fulton,Serving:Fax: 518-891-9820 Lewis,Hamilton, Clinton, Oneida, Essex, Herkimer, Oswego. Franklin, CountiesServing:Fax: 631-471-1210 Suffolk and Nassau `fancyWatauga,Serving:Fax: 919-956-4600 Counties Statewide Avery, Mitchell excluding and 2nd433AssistanceCooperative Floor.Market Suite Corporation StreetBusiness 201 Unionof TrentonDevelopment County Economic Corporation HudsonandSt. Lawrence, Washington Saratoga. Counties Warren New17for BatteryNew YorkYork, Americans, Association Place,NY 10004 Inc. SuiteW..A.M.Y.Boone 2 Community Action Telephone:Serving:Fax:NJ 08102 856-966-0036 Camden.856.966 -8181 Gloucester, Telephone:SuiteLibertyUnion,1085 531 Hall Morris NJ Corporate908-527-1166 07083 Avenue Center Telephone.Fax:Hudson,444Columbia Warren518-828-0901 518-828-4718NY Hudson Street12534-2415 Partnership Serving:Fax:Telephone: 212-425-7260 Queens 212-425-5051 Fax:Telephone:Boone,P.O.152 SouthgateBox828-264-0952 NC 2688 828-264-242128607 Drive GreaterCamdenandAtlantic, Salem NewarkCape Counties May.Cumberland, Business CountiesServing:Fax: 908-527-1207 Union and Somerset ManhattanNewServing:Columbia York CityBorough County Telephone:301AlternativesIthacaIthaca, West StateNY 607-273-3582Federal 14850 Street Credit Union NorthMitchellServing: Dakota andWatauga, Yancey Avery, Counties Camden,26th744Development BroadFloor NJ Street 07102Consortium Women'sSelfAlbuquerqueNew Sufficiency Mexico Economic Team Telephone:New55Development 17thJohn York Floor, Street City, 212-791-3660 Corp. 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Southern Georgia, Mississippi, SouthernServing:Fax:Telephone: 214-922-5268 Northern New 214-922-5377 Mexico, Louisiana, Texas Serving:EasternFax: 215-574-2512 Delaware, Pennsylvania New Jersey, NorthServing:Fax:Telephone: 404-817-8806 Carolina, Alabama, 404-817-2515 South Florida, Carolina, Georgia, Missouri,Serving:Fax:Telephone:Kansas 816-234-8088 City,Iowa, Nebraska, 816-234-8151 MO Kansas, 64108 North Minnesota, Dakota, P.O.Boston Box 2076 Kansas925 Grand City,City Boulevard MO 64198 Richmond,P.O.Richmond Box 27622 VA 73761 BostonVirginia, RegionWest Virginia 5100MemphisSouth Poplar Dakota Region Avenue Massachusetts,Serving:Fax:Telephone:Boston, 617-973-3511 MAConnecticut, 617-973-346902106 New Hampshire,Maine, NorthernServing:Fax:Telephone: 816-881-2135 Colorado, New 816-881-2687 Mexico, Kansas, Telephone:SouthMaryland,Serving:Fax: 804-697-8473 Carolina, District804-697-8447 North Virginia, ofCarolina, Columbia, Fax:Telephone:Braintree,Suite15 781-794-5633 100Braintree MA 781-794-5632 02184 Hill Office Park Fax:Telephone:Memphis,Suite 901-821-5311 1900 TN 901-818-5706 38137 P.O.ChicagoRhode Box Island, 834 Vermont Oklahoma,WesternMinneapolis Missouri. Wyoming Nebraska. WestSan Virginia Francisco Serving:RhodeMassachusetts, Connecticut, Island, Vermont New Maine, Hampshire, TennesseeServing:Louisiana, Arkansas, Mississippi, Kentucky, Serving:Telephone:Chicago,Fax: 312-913-2626Northern IL 60690312-322-8232 Illinois. 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Mississippi,WesternSouthernServing:Fax: 314-444-8503 Arkansas.Illinois,Kentucky, Eastern Southern Northern Missouri Indiana Oklahoma,Serving:Telephone:Fax:Dallas, 972-761-8019 Colorado, TX Texas 972-761-8010 75201 New Mexico, Telephone:SanSuite25 Ecker Francisco, 2300 415-808-8115Street CA 94105 94 197 California,Utah,Montana,Serving:Fax: 415-808-7937 Washington, Guam, Alaska, Nevada, Hawaii, Arizona, VVyomingOregon, Idaho, 198 AtlantaCommunityFederal District HomeHousing Investment Loan Finance Bank Contacts System Board Dallas District Pittsburgh District NortheasternCommunityOffice of the DistrictAffairs Comptroller Contacts of in the District Currency Offices Southwestern District Atlanta,Mail1475 to: GAGAPeachtree 3034830309 Street, NE P.O. Box 105565 Suite8500MailIrvino, Freeport100 to: TX 75063-2547 Parkway, South P.O. 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KansasSuite2345Midwestern Grand700 City, Boulevard MODistrict 64108-2683 Boston,20thOneMailBoston, FinancialFloor to: MA MA 02205-9106 Center 02111 P.O. Box 9106 GMF Serving:Telephone:Missouri,Fax:Des Moines,515-565-5823 Iowa, 515-281-1175 North Minnesota, IA Dakota,50309 CaliforniaServing:Telephone:Fax: 414-616-2626 Arizona, 714-633-0154 Nevada, WesternRhodeNew York,Jersey. DistrictIsland, Pennsylvania. New Vermont Hampshire, Minnesota,Serving:Fax:816-556-1836Telephone: 816- Iowa, 556-1892 Missouri.816-556-1832 Kansas, Nebraska, or Vermont,Massachusetts,Serving:Fax:Telephone: 617-292-9645 Connecticut. Rhode 617-330-9872 NewIsland Hampshire,Maine, IndianapolisSouth Dakota District Seattle19th1501 FloorDistrictFourth Avenue Telephone:SanSuite50 Francisco, 3900Fremont 415-545-5956 StreetCA 94105-2292 CentralNorth Dakota, District South Dakota AtriumCincinnati II District Telephone:8250Indianapolis,Mail Woodfield to: 317-465-0428 IndianaCrossingIN 46206 46206 Blvd. P.O. Box 60 Serving:Telephone:Seattle,Idaho,Fax: 206-340-8711 WAAlaska, Montana, 206-340-870898101-1693 Guam. Oregon, Hawaii, Utah, Glendale,Suite550Fax: 500 North415-545-5925 CA Brand91203-1900 Boulevard Telephone:Chicago.440SuiteOne South Financial 2700 IL 1...aSalle 60605-1073312-360-8876 Place Street Cincinnati,Mail221Suite Eastto: 1000 Fourth OH 4520245201 Street P.O. Box 598 NewServing:Fax: York 317-465-03786 Idaho, District Michigan TopekaWyoming, District Washington California,Serving:Telephone:Fax: 818-240-9690 Alaska. Colorado, 818-240-5175 Arizona. Hawaii, WisconsinKentucky.Serving:Fax: 312-435-0951 Illinois, Michigan. Indiana, Ohio, TennesseeServing:Fax:Telephone: 513-852-7647 Kentucky, 513-852-7615 Ohio, NewCommunityFloor7 World York,22 Trade NY Investment 10048-1185Center Topeka,Mail1202 Townsite Eastto: KS P.O. 66601-0176666036th Plaza BoxStreet 176 Washington,Idaho,Mexico, Montana, Oregon, Wyoming Nev2 Utah, New SuiteMarouisSoutheastern 600 One Tower District SuiteChicago111 700 East. District Wacker Drive PuertoServing:Fax:Telephone: 212-441-6859 Rico, New 212-441-6824 Virgin Jersey, Islands New York, Nebraska.Serving:Fax:Telephone: 785-234-1765 Colorado, Oklahoma 785-233-0507 Kansas, x 565 Atlanta,Serving:Fax:Telephone:245 Peachtree 404-588-4532GA Alabama,30303-1223 404-588-4515. Center Florida, Avenue x 518 NE Serving:Fax:Telephone:Chicago, 312-565-5823 Illinois,IL 60601312-565-5705 Wisconsin199 VirginiaTennessee,Carolina,Georgia. SouthMississippi, Virginia. Carolina, WestNorth 200 OfficeRegional of Thrift Offices Supervision JerseyNortheast18th10 Exchange City,Floor Region NJ 07302Place WestSuite1Pacific Montgomery Region 400 Telesis Tower Street Serving:Fax:201-413-7509Telephone: 201-413-7541 Maine, 201-413-7343 Vermont, or TeleSanSuite101Fax: Francisco,hone: Stewart415-616-1752 1210 415-616-1551 CA Street 94104 Virginia,Pennsylvania,RhodeNew Hampshire, Island, Delaware, Connecticut,New Massachusetts, York,New Jersey West Telephone:Serving:Fax:Seattle. 206-553-5475 WAWashington.206-553-5469 98101 Montana, Telephone:Atlanta,Southeast1475 GAPeachtree Region404-888-844330309 Street, NEor Arizona,California,Oregon. Alaska, Nevada, Idaho. Hawaii. Wyoming. Utah, Guam NorthFlorida,Serving:404-888-8532Fax: Carolina, 404-897-1861South Alabama, Carolina, Virginia, Georgia, Telephone:Irving,Suite122Midwest W. 600 TX John 972-281-2114 Region75261-9027 Carpenter Freewayor CentralPuertoMaryland, Rico, Region Washington, Virgin Islands DC, 972-281-2206Nebraska,SouthServing:Fax: 972-281-2073 Dakota, North Colorado, Dakota,Minnesota, Kansas, Iowa, Telephone:Chicago,200SuiteMadison West 1300 PlazaIL Madison 60606312-917-5022 Street or Texas,Oklahoma,Missouri, Louisiana Arkansas, New Mexico, Mississippi, Kentucky,Wisconsin,Serving:Fax:312-917-5066 312-917-5002 Illinois, Tennessee Ohio, Indiana, Michigan, 96 201 202 U.S. Department of Education Office of Educational Research and Improvement (OERI) National Library of Education (NLE) Educational Resources Inlannalien Center Educational Resources Information Center (ERIC)

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