Table of Contents s52

BUSINESS

INFORMATION TABLE OF CONTENTS

The Business Plan 3 Business Plan Outline 4

Forecasting 5

Projected Profit and Loss Statement 6

Cash Flow Projections 7

Projected Balance Sheet 8

Business Loan Information 9 - 11

Glossary of Terms 12

Legal Forms of Organization 13 - 14

Business Regulations 15 – 17

List of Economic Development Businesses & Agencies 18 - 19

Columbia County Services 20 – 21

This business information is provided to help you develop your company’s overall business strategy.

Pages 2 through 7 are the business plan. For the start-up business, there is a series of questions that will help you develop clear business objectives. The answers to these questions will help you complete the next step - - the actual business plan and forecasting forms. If you already have an established business plan, you may want to review this section to insure that your present plan has addressed all pertinent areas. For your convenience page 11 is a glossary of terms that may help you complete the business plan. Pages 8 through 10 request information about your business. Complete the information after you have developed your business plan. Pages 2 through 10 can be used to submit a loan application to your lending institution.

2 The Business Plan

The business plan is a management tool. When developed and used properly, it is one of the most effective communication tools used to obtain financing for your business. It also can help you reach your goals and measure your progress toward reaching them. The business plan should reflect your own ideas clearly and succinctly.

Before you start developing your business plan, ask yourself the following questions:

1. Are you the kind of person who can get a business started and run it successfully? 11. Have you tried to find out how well businesses similar to the one you want to 2. Does your family agree with your plan open are doing in your community and to start a business of your own? in the rest of the country?

3. Have you worked in a business similar to 12. If you need to hire someone to help you, the one you want to start? do you know where to look?

4. Have you had any business training in 13. Do you know what benefits to provide? school? 14. Do you have a plan for training your 5. Do you know how much money you will employees? need to get your business started? 15. Have you talked with the company’s 6. Have you determined how much of your potential suppliers? own money you can put into the business? 16. Have you decided whether to let your customers buy on credit? 7. How much personal income do you require and could this be reduced, if 17. Have you talked with an insurance agent necessary? about what kind of insurance you need?

8. Have you decided on a marketing plan? 18. Do you know what equipment and suppliers you will need and how much 9. Have you talked with other business they will cost? owners in the area about what they think of your proposed business? 19. Can you save money by buying secondhand equipment? 10. Can you determine what you should charge for each product or service you 20. Have you compared prices and credit sell? terms of different suppliers?

3 Business Plan Outline

The previous questions should help you develop your business plan. Once you have formulated your answers, you can begin developing your business plan. The following is an outline to be used in developing your business plan.

I. Cover Letter VI. Marketing Strategy A. Dollar amount requested A. Overall strategy B. Terms and timing B. Pricing policy C. Type and amount of collateral C. Methods of selling, distributing D. Purpose and source of repayment and servicing

II. Summary VII. Management Plan A. Business description A. Form of business organization 1. Name B. Board of Directors (Owner of Partners) 2. Location and plant description C. Officers: organizational chart 3. Product and responsibilities 4. Market and competition D. Resumes of key personnel 5. Management and business goals E. Staffing plan/number of employees B. Summary of financial needs and F. Facilities plan/planned capital application of funds improvements G. Operating plan/scheduled of work for III. Products or Services next 1-2 years A. Description for product line B. Proprietary position: patents, VIII. Financial Plan copyrights, legal and technical A. Financial statements consideration (Three years to present) C. Product comparison B. Three-year financial projections (Monthly for the first year) IV. Manufacturing Process (if applicable) 1. Profit and Loss statements A. Materials 2. Cash Flow charts B. Source of supply 3. Balance sheets C. Production methods C. Explanation of projections D. Explanation of use and impact of V. Market Analysis new funds A. Description of total market B. Industry trends C. Target market D. Competition

4 Forecasting

When preparing projected financial statements for your business plan, you must start with basic assumptions for income and expenses. These assumptions for income and expenses should be detailed in your business plan with supporting documentation taken from the market study and the market strategy in your business plan. The projected financial statements should indicate economic changes in your business cycle. For instance, if your business is seasonal, sales during a specific period will be greater than another period. Your financial projections should indicate that fluctuation in sales and expenses.

There are three types of financial statements:

Profit/Loss Statement: Balance Sheet:

The profit/loss statement will show your The balance sheet records the total assets, income minus expenses and indicate either a liabilities and equity on a specific day. profit or loss statement should be done on a monthly basis. The second and third year The projected balance sheet is done every 12 may be done on a quarterly basis. months. If your company’s business year end is December 31st, then your proforma Cash Flow Statement: balance sheet reflects the assets and liabilities, and equity on that date. The The projected cash flow statements will projected balance sheet should reconcile show the cash generated and collected from with the projected profit/loss and cash flow the business operations. This statement will statements. utilize the same income and expenses as the profit/loss statement, however, it takes last Included in this list are forms to be used in month/quarter previous cash and adds that the financial forecasting of your business. A into total cash/receipts for the new rule of thumb when forecasting: Be as month/quarter. conservative and as realistic as possible. Remember, your business plan should Timing differences resulting from accounts provide you with all the supporting receivable turnover and the ongoing need for documentation when forecasting. cash to fund expenses will indicate your business need for working capital.

5 Business Loan Information

I. Company/User

Name of Company/User of Funds

Federal Tax Identification Number of Social Security Number

Business Legal Structure

Company’s Fiscal Year End Date

Year Business Began

Business Description: Number of Employees: Annual Gross Revenue (AGR)-Previous Fiscal Year:  01–Service  05–Wholesale  01-1 to 10  05-Over 500  01-$250,000 or less  05-$2mm to $5mm  02-Retail  06-Other  02-11 to 25  02-$250,000 to $500,000  06-$5mm to $10mm  03-Construction  07-Agriculture  03-26 to 100  03-$500,000 to $1mm  07-Over $10mm  04-Manufacturing  08-Non-profit  04-101 to 500  04-$1mm to 2mm

Street Address of Company

City State Zip

Contact Person Title

Telephone

Address where loan proceeds will be used (if different from address shown above)

II. Principal Officers (10% or more ownership)

Name and Title

% Ownership Social Security Number

Name and Title

% Ownership Social Security Number

III. Information on Existing Business (If start-up business, please complete The Business Plan)

Type of Business

Principal Product/Service Business Loan Information (continued)

IV. Purpose of the Loan (Check all that apply):  01 – Working Capital  07 – Business Expansion  02 – Equipment  08 – Job Creation  03 – Inventory  09 – Multiple Purpose  04 – Real Estate – Purchase  10 – Other:  05 – Real Estate – Improvement  06 – Agriculture If loan involves acquisition of real estate, please complete the following:

Location Address

City/Village/Township/County

V. Project Cost/Use of Funds

Land $

Building: New Construction $

Acquisition $

Renovation $

Equipment: $

Type of Equipment

Type of Equipment $

Other Other Financing Needs:

7 Account Receivables $

Inventory $

Account Payables $

Other: (Explain) $

Total Project Cost $

Business Loan Information (continued)

VI. Historical Financial Information: Interim 19___ 19___ 19___ Month ___

Current Assets ______Total Assets ______Current Liabilities ______Total Liabilities ______Net Worth ______Annual Sales ______Depreciation ______Earnings Before Tax ______Profit After Tax ______

VI. Normal Lender Required Information: 1. *Three years’ Historical Financial Statements (Balance Sheet, Profit/Loss) 2. Three years’ Proforma Financial Statements (Balance Sheet, Profit/Loss, Cash Flow) 3. Interim Financial Statements (not more than 90 days old) 4. Accounts Receivable Aging and Accounts Payable Aging 5. Personal Financial Statements and Federal Income Tax Returns (10% ownership or more) 6. Brief History of Existing Business

8 7. Description of New Project 8. Lease Agreement 9. Purchase Agreement 10. Articles of Incorporation/Partnership Agreement 11. Evidence of Hazard Insurance 12. Trade Reference (3 customers, 3 suppliers) 13. Name of Accountant 14. Name of Attorney

9 Glossary of Terms

Accounts Payable: Amount owing on open Debt-to-Equity: Total liabilities divided by total accounts to creditors for goods and services shareholders’ equity. This shows to what extent (usually within one year). owner’s equity can cushion creditors’ claims.

Accounts Receivable: Money owned to a Fixed Assets: Tangible property used in the business for merchandise or services sold on operation of business, but not expected to be open accounts (represents current assets). consumed or converted into cash in the ordinary course of event. Land and building, machinery Accounts Receivable Financing: Short-term and equipment, furniture and fixtures, and financing whereby accounts receivable serve as leasehold improvement composes the fixed assets collateral for working capital advances. of most companies.

Balance Sheet: A financial report showing the Fixed Asset Financing: A term used primarily status of a company’s assets, liabilities and to describe a particular type of finance. Funds owner’s equity on a given date. used to purchase land and buildings, machinery and equipment, and leasehold improvements. Breakeven Point: The point at which sales equal Fixed Asset Financing does not finance working costs. The point is located by breakeven analysis, capital or accounts receivables. which determines the volume of sales at which fixed and variable costs will be covered. All sales Liquidity: The ability of a business to meet its over the breakeven point produce profits; any current debts with cash payments. drop in sales below that point will produce losses. Note: Positive difference that results from selling Cash Flow: Net income plus depreciation and products and services for more than the cost of other noncash expenses. producing these goods.

Collateral: Assets pledged to a lender until a Revolving Credit: A contractual agreement loan is repaid. If the borrower defaults, the lender allowing a customer to borrow funds when needed has the right to seize the collateral and sell it to up to a specific maximum amount for a limited pay off the loan. period of time.

Cost of Goods Sold: Figure representing the Selling, General, and Administrative (SG&A) cost of buying raw material and producing Expenses: Grouping of expenses reported on a finished goods. Direct costs are clear-cut factors company’s Profit and Loss Statement. Included are such as direct labor as well as others less clear- such items as salespersons’ salaries and commissions, cut, such as overhead. advertising and promotion, travel and entertainment, office payroll and expenses and executives’ salaries. Current Assets: Cash, accounts receivables, inventory and other assets that are likely to be Working Capital: Current assets minus current converted into cash. liabilities.

Current Liabilities: Company’s debt or other obligations coming due within a year.

10 Legal Forms of Organization

There are four basic legal forms of organizing your business: sole proprietorships, partnerships, limited liability companies, and corporations. Each form has its own advantages and disadvantages. While it is possible for a business to start under one structure and change to another later, proper planning can prevent difficulties caused by an unsuitable legal form of organization at any given time in the life of the business.

SOLE PROPRIETORSHIPS Limited Partnerships The sole proprietorship is the most common legal form. It is an unincorporated business In a limited partnership, the “limited” partners owned by a single individual. Advantages of a have protection against obligations of the firm sole proprietorship include freedom of operation beyond their initial investment, as with a and little or no planning for legal structure. corporation. Limited partnerships must have at Disadvantages include limited opportunity for least one general partner who is responsible for expansion because there is no mechanism to all debts, liabilities, and obligations of the firm. allow potential investors to gain equity in the Generally, the liability of the other partners is firm (without changing form of organization). limited to the amount of the investment by each Also, the owner is personally responsible for all partner. A limited partner should not take an obligations, debts, income taxes, and other active role in the business and risks becoming a liabilities of the business. general partner by doing so. The advantage of the limited partnership is clear: most partners PARTNERSHIPS limited their liability while keeping their rights to participate in profits and/or tax advantages. A partnership is the combining of one or more individuals or businesses as co-owners under a LIMITED LIABILITY COMPANY (LLC) partnership agreement. The agreement should be in writing and determines the powers, An LLC is a business entity that combines liabilities, and authorities of each of the partners. many of the advantages of a corporation with many advantages of a partnership. An LLC will General Partnerships be treated like a partnership for income tax purposes. LLC’s will allow owners to enjoy In this type of agreement, the income and limited liability and flow-through tax treatment. expenses of the partnership are directly taxable They provide an attractive alternative to S to each individual partner based on his or her corporations and general and limited proportionate interest in the firm. The partnerships. partnership files an information tax return and pays no separate business income tax. You REGISTRATION should note that even a well-crafted partnership agreement cannot completely protect against a Limited Liability Companies, Corporations, and partner acting outside the scope of the agreement Limited Partnerships must register with the and incurring debts and liabilities that become Secretary of States Office. For further the responsibilities of the other partners. information, contact the Secretary of State, 30 West Mifflin Street, 10th Floor, Madison, WI 53702 -- (608) 266-3590.

11 CORPORATIONS

A corporation is a legally created entity distinct from a non-profit or limited-profit basis. Earnings of the its owners with rights, duties, powers, and co-op are usually distributed in proportion to each responsibilities in and of itself. This usually, but not member’s use of cooperative services. Control of always, means that when individuals act on behalf of cooperative activities typically takes place on a one- a corporation, these actions are attributable to the member, one-vote basis, although there may be corporation but not the individual. An advantage of a classes of members with different voting power. If a corporation is that shareholder liability is limited to cooperative pays earnings back to member-users, it the loss of the shareholder’s investment unless a may be exempt from corporate income tax. In shareholder accepts additional responsibility, such as Wisconsin, a formal, incorporated co-op must have by guaranteeing a loan to the company. Another five incorporators and must be incorporated with the advantage of the corporation is the ability to bring Secretary of State. Cooperatives may also be other individuals into ownership of the firm to raise operated on an informal basis. For more information, additional capital. Still another advantage of a contact Cooperative Development Services, 30 West corporation is that it continues to exist even after the Mifflin Street, #401, Madison, WI 53703, 608/258- death or withdrawal of an owner. 4396.

Generally, the main disadvantage of corporations is NON-PROFIT double taxation. The corporation itself must pay an income tax and the shareholders must pay personal Non-profit corporations and organizations must file income taxes on the dividends received from the an application with the Federal Internal Revenue corporation. Service to receive an exemption from federal income tax. A non-profit corporation should discuss with SUBCHAPTER S CORPORATION this agency before preparing their articles of incorporation. Call 1-800/829-1040; in Milwaukee 414/271-3780. One special type of corporation of major interest to small businesses is the Subchapter S Corporation. A non-profit corporation must register their articles This type of corporation avoids double taxation by of incorporation with the Secretary of State, 608/266- having its income taxed to the shareholders as if the 3590, whereas a non-profit organization is not corporation were a partnership. It also allows the required to register with the Secretary of State. shareholders to have the benefit of offsetting business losses incurred by the corporation against the income Questions on state income tax and sales tax of the shareholders. A Subchapter S Corporation exemption can be answered by the State of may have a maximum of 35 shareholders. Wisconsin Department of Revenue, 608/266-2776.

JOINT VENTURES D.B.A. (Doing Business As)

A joint venture is a partnership of one or more sole To register the name of your Sole Proprietorship or proprietors, partnerships, or corporations for the your General Partnership, you may do so by purpose of pursuing a specific business activity of contacting the Register of Deeds in the county the transaction. The main advantage of a joint venture is business has its Headquarters. The Secretary of that existing businesses can join together without State, Madison, WI can also register a D.B.A. name. having to form a new entity and without having any continuing obligations to each other beyond the joint venture agreement. The disadvantage is in the liability of parties for the actions undertaken by partners of the joint venture.

COOPERATIVES

A cooperative is a contractual organization of persons or businesses which provides services to members of

12 BASIC BUSINESS REGULATIONS taxes are anticipated to exceed $300, then payment will be required periodically during the Revised 1997 Board of Regents, University year. Retailers making sales at non-fixed of Wisconsin System. This publication has locations who have more than $1,000 in taxable been developed sales/year require a Mobile Seller’s Permit. Manufacturers and Wholesalers may be by the Wisconsin SBDC in partnership with exempted from the tax. Apply for a Seller’s the U.S. Small Business Permit from the Wisconsin Department of Administration per agreement #7-7770-0056- Revenue, (608) 266-2776. Sales to customers 17. outside of Wisconsin may be subject to tax. This is an issue especially, though not exclusively, for A new business in Wisconsin will be subject to some mail order businesses. Check with the or all of the following regulations through local, Department of Revenue or visit: state, or federal regulatory agencies. In addition, www.dor.state.wi.us other regulations are likely to apply. This list is meant to cover the most common requirements and is 4) BUSINESS TAX REGISTRATION – not exhaustive. The appropriate agencies listed cost is $20. Anyone applying for a seller’s below should be contacted for further information. permit or Wisconsin Withholding Tax Permit Working with a small business attorney and must hold a Business Tax Certificate. Call the accountant is strongly suggested. Wisconsin Department of Revenue, (608) 266- 2776 for an application or visit: 1) FEDERAL EMPLOYER I.D. NO. The www.dor.state.wi.us new business will not need a federal I.D. (tax) number if it has no employees and is organized 5) CONSUMERS USE TAX PERMIT. as a sole proprietorship. The proprietor’s Social The purchase of property or services outside of Security number is used to identify the business. the state and consumed, used or stored in If the business changes to a partnership, or Wisconsin can require the payment of a use tax. corporation, or if it hires an employee, then a Check with the Wisconsin Department of federal tax number will be required. To receive Revenue (608) 266-2776. a free federal business tax kit, which includes information on tax I.D. number and regulations covering hiring an employee, (see #12 below), 6) SOCIAL SECURITY (FICA) TAXES call 1-800-829-1040. Information is also FOR SOLE PROPRIETORS. A sole available at the Madison IRS office at 545 Zor proprietor business owner pays Social Security Shrine Place (behind West Towne). To order taxes quarterly during the year according to Tax Publications, Call 1-800-829-3676. Or estimated income from the business. The taxable visit their web site at: www.ustreas.gov base for 1996 is $62,700 and the self- employment rate is 15.3%. See below for 2) WISCONSIN WITHHOLDING TAX payment of employee FICA taxes. I.D. NO. Similar to federal regulations, no state tax number is required if the business has 7) BUSINESS REGISTRATION. In no employees and is a sole proprietorship. Wisconsin, a corporation, LLC, LLP, limited Business income is included on the owner’s partnership, must register with the state. If you personal income tax forms. Depending upon the wish to form or register any of the above; or amount of tax liability, the business may then receive information on non-profit corporations, need to pay taxes periodically. Call the call Department of Financial Institutions, Wisconsin Department of Revenue, Division of Corporate and Consumer Compliance Bureau (608) 266-2775 or visit: Services, (608) 261-9555. Or visit our web site www.dor.state.wi.us at: http://badger.state.wi.us/agencies/dfi The name of your business can be a very important 3) WISCONSIN SELLER’S marketing consideration; therefore, you may want to register your business name as a trade PERMIT/SALES TAX. The sale of almost name with your County Register of Deeds all products and many services in Wisconsin (Dane County 608-266-4141) or with the requires the payment of sales tax. If annual sales Secretary of State (608) 266-5653. This

13 registration does not give name protection cases, arrest or conviction record. Call beyond that of common law, but it does make it Department of Workforce Development, easier for others to avoid duplication of business Equal Rights Division at (608) 266-6860. names. 13) PAYROLL TAXES. There are two types of 8) BUSINESS LICENSE. Some types of payroll taxes; those withheld from employee’s business must be licensed to operate in pay (which includes wages, bonuses, tips, cash Wisconsin. Examples are currency exchanges, and non-cash benefits), and taxes paid by the well drillers and nurseries. To check if your employer. Withholding from employee pay is business requires a license, call the Wisconsin required for Social Security (FICA) taxes and for Department of Commerce, Help Business federal and state personal income taxes. Line 1-800-435-7287. Or visit their web site at: Employer need a federal tax I.D. number and http://badger.state.wi.us/agencies/commerce employees need to fill out W-4 and WT-4 forms. Call the Wisconsin Department of Revenue at 9) ZONING. A business operated in any (608) 266-2776. The federal tax kit (see #1 building must be zoned for business use in the above) includes information on federal geographic location. An office in the home may withholding requirements. need to be a “commercial” zone if the home Most employers must contribute Unemployment office receives clients or regular shipments. Call Insurance coverage for employees. This is a your local area building inspector or zoning percentage of payroll tax. Call the Department board. In Madison (608) 266-4551. of Workforce Development, Unemployment Insurance (608) 261-6700. FOR INCOME Any business 10) HEALTH INSPECTION. TAX INFORMATION – call the Wisconsin involving the sale of food or lodging will Department of Revenue at (608) 266-2772. generally require an inspection by the Department of Hotel and Restaurant, Health and Social Services. In Madison, call (608) 266- 14) WORKER’S COMPENSATION 4821. Outside of Madison, call (608) 266-2835 INSURANCE. Most Wisconsin employers to obtain the phone number for your Local must carry a special insurance to cover liability County Inspection Office. due to work-related employee injury or illness. Call the Department of Workforce 11) SAFETY AND BUILDINGS. Employers Development Workers’ Compensation must inform workers about toxic substances, Division. Claims or Administration (608) 267- infectious agents and pesticides in the work 1365. Insurance purposes (608) 261-8474. place. Major remodeling will require that plans be submitted for approval to the Safety and 15) LABOR STANDARDS LAW. Both Building Division, Wisconsin Department of federal and state laws cover a variety of issues Workforce Development (608) 266-3151. Or relating to the pay and treatment of employees. visit their web site at: The following is a partial listing of areas covered http://www.dwd.state.wi.us Local by regulations: Minimum Wage, Overtime Pay, municipalities may also require permits. Sexual Harassment, and Employment of Children, Prevailing Wage Requirements. Call When hiring any employees, a business must the U.S. Department of Labor, Wage and conform to certain requirements. Both federal Hour Division (608) 264-5221 and and state laws regulate employment. The Department of Workforce Development, following sections briefly summarize the major Equal Rights Division (608) 266-6860. legal requirements. 16) INDEPENDENT CONTRACTORS. 12) EQUAL RIGHTS AND The State of Wisconsin presumes that any OPPORTUNITY. In Wisconsin, it is illegal worker is an employee unless an employer can to discriminate against job seekers and current prove otherwise. This is an area often employees on the basis of sex (including misunderstood by small businesses. Call pregnancy), age (40 and over), race, color, Wisconsin’s Department of Revenue (608) national origin, ancestry, religion, handicap, 266-2776. sexual orientation, marital status, and, in most

14 17) EMPLOYEE BENEFITS: place safety. To determine the nature of required INSURANCE, PENSION, AND compliance, contact OSHA’s regional office at (608) 264-5388. For a free consultation on Employers who pay PROFIT SHARING. occupational health or industrial hygiene voluntary benefits are subject to regulations regulations call (608) 266-9383. aimed at protecting workers from mismanagement of funds and discrimination. If you provide voluntary benefits, consult an 20) POSTING OF LABOR LAW attorney about the Employee Retirement Income POSTERS. Employers are required to post Security Act (ERISA), Section 89 regulations various posters to inform workers of their rights and other applicable laws. under labor regulations. Each regulating agency contacted should be asked about posting. 18) IMMIGRATION LAW. Regulations Requirements include the posting on non- require that employers take steps to insure that discrimination and safety law notices. employees are eligible to work. You will be Any opinions, findings and conclusions or required to have new employees fill out an I-9 recommendations expressed in this publication form. Call the Immigration and are those of the author and do not necessarily Naturalization Service Information Line at 1- reflect the views of the U.S. SMALL BUSINESS 800-755-0777. ADMINISTRATION.

19) OSHA – OCCUPATIONAL SAFETY AND HEALTH ADMINISTRATION. There are regulations and standards for work

15 LIST OF ECONOMIC DEVELOPMENT BUSINESSES & AGENCIES FOR COLUMBIA COUNTY SMALL BUSINESSES

MUNICIPAL Portage, WI 53901 (608) 742-1966 Local Economic Development Contacts & FAX: (608) 742-3688 Local Chambers of Commerce

Cambria Community Development Authority Mr. Rodney Bahr, President Portage Area Chamber of Commerce PO Box 81 Mr. Ken Jahn, Executive Director Cambria, WI 53923 139 West Cook Street (920) 348-5512 Portage, WI 53901 (608) 742-6242 Columbus Development Authority FAX: (608) 742-3799 Mr. Henry Elling, Chair E-Mail: [email protected] 650 South Charles Street Columbus, WI 53925 Poynette Chamber of Commerce Home: (920) 623-0436 Mr. John Belock, President Work: (920) 887-4242 Ext. 134 PO Box 625 Poynette, WI 53955 Columbus Main Street Program (608) 635-7535 Judy Goodson PO Box 23 Poynette Industrial Development Corporation Columbus, WI 53925 Andy Ross, Village President (920) 623-5325 106 South Main Street PO Box 95 Friesland Chamber of Commerce Poynette, WI 53955 Mr. Don DeYoung (608) 635-2122 126 North Madison, Box 127 Friesland, WI 53935 Randolph Chamber of Commerce Home: (920) 348-5267 Mr. Mark Radtke, President PO Box 66 Lodi Area Opportunity & Development Inc. (L.O.D.I.) Randolph, WI 53956-0066 Mr. Phil Brereton, President (920) 326-4769 W10320 County Line Road Lodi, WI 53555 Randolph Community Development Authority (608) 592-3369 Mr. Steven Oosterhouse 520 North First Street Pardeeville Area Business Association Randolph, WI 53956 Mr. Stephen Woxland (920) 326-3830 135 N. Main Street Pardeeville, WI 53954 WI Dells/Lake Delton Chamber (608) 429-2325 Mr. Tim Johnson PO Box 660 Wisconsin Dells, WI 53965 Portage Area Economic Development Corp. (PAEDC) (608) 253-5503 Mr. Pat Watson, President Cardinal FG 1650 Mohr Road

16 330 West Collins Street Portage, WI 53901 (608) 742-2151 ext. 13

COUNTY

Adams-Columbia Electric Coop Mr. John Hay 401 East Lake Street, PO Box 70 Friendship, WI 53934-0070 (608) 339-3346 SCORE 505 South Rosa Road Columbia County Economic Development Corporation Madison, WI 53719 (CCEDC) (608) 441-2820 Ms. Nancy Elsing, Executive Director 311 East Wisconsin Street, Suite 108 Small Business Development Center – UW Madison Portage, WI 53901 Mr. Neil Lerner (608) 742-6161 3260 Grainger Hall 1-800-842-2524 975 University Avenue E-Mail: [email protected] Madison, WI 53706-1325 FAX: (608) 263-0818 Columbia County Job Center Small Business Access Line: (608) 263-7680 Ms. Jane Considine E-Mail: [email protected] 717 East Cook Street, P. O. Box 318 Portage, WI. 53901-0318 Wisconsin Department of Commerce (DOC) (608) 742-4181 Mr. Dan Madden, Area Development Manager 123 West Washington Avenue UW-Extension Columbia County PO Box 7970 Kathleen Haas, CRD Agent Madison, WI 53707-7970 120 West Conant Street (608) 267-2250 PO Box 567 1-800-HELP-BUS Portage, WI 53901-0567 FAX: (608) 267-2829 (608) 742-9680 E-Mail: [email protected] FAX: (608) 742-9862 E-Mail: [email protected] Wisconsin Housing & Economic Development Salvor,jonsdottir@ces,uwex.edu Authority (WHEDA) Ms. Janice Barr STATE/REGIONAL 201 West Washington Avenue, Suite 700 PO Box 1728 Alliant Energy Madison, WI 53701-1728 Mr. Bruce Kepner, Manager of Economic Development 1.800.334.6873 Ext. 613 222 West Washington Avenue FAX: (608) 267-1462 PO Box 192 E-Mail: [email protected] Madison, WI 53701-0192 (608) 252-5753 Wisconsin Manufacturer’s Extension Partnership (WMEP) Madison Area Technical College – Portage Mr. Jerry Thiltgen, Field Agent Ms. Mary Jo Mielke, Campus Administrator 2601 Crossroads Drive, Suite 145

17 Madison, WI 53718-7923 (608) 240-1740 Ext. 21 FAX: (608) 240-1744 E-Mail: [email protected]

Wisconsin Women’s Business Initiative Corporation (WWBIC) PO Box 1082 Madison, WI 53701-1082 (608) 224-1404 Fax: 608-224-1410