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 Small Business
 Start, Grow
 and Succeed
 6      Getting Started in Kansas City/Springfield
 17     Financing Your Business
 31     Ideas For Growing Companies

                   WWW.SBA.GOV             •   YOU R SMALL B USI N ESS R ESOU RCE
                                                                                                       ENI          150 Third Street, S.W.
                                                                                                                    Winter Haven, FL 33880-2907
                                                                                           Publishers of Small Business Resource

                                                                                            Phone: 863-294-2812 • 800-274-2812
                                                                                            Fax: 863-299-3909 •

                                                  2009-2010 MISSOURI                        President/CEO
                                                                                            Joe Jensen         

    FEATURES                                                                                English Small Business Resource Advertising
                                                                                            Nicky Harvey   

     3         Introduction                       37     Disaster Recovery
                                                                                            Martha Theriault
                                                                                            John Beward
               • 3 Administrator’s Letter                There are several types of
                                                         assistance available to
               • 4 Director’s Message
                                                         qualified applicants.

     6         Getting Started                    38     Advocacy
                                                                                            SBA’s Marketing Office:
                                                                                            The Small Business Resource Guide is published
                                                         Find out about the outside         under the direction of SBA’s Office of Marketing and
               Everything you need to know
                                                                                            Customer Service.
               about setting up, marketing               research for the small business
                                                         owners.                            Director
               and managing the revenue of
                                                                                            Laura Fox  
               your business.
                                                  39     Other Sources of                   Editorial Content
                                                                                            Robert Dillier
     12        Regulations                               Chambers of Commerce can be
                                                                                            Graphic Design
               Common requirements that                  a vital resource for the small     Shellehamer
                                                         business owner.
               affect small businesses.                                                     SBA’s participation in this publication is not an
                                                                                            endorsement of the views, opinions, products or
                                                  42     Lender Listing                     services of the contractor or any advertiser or other
     17        Getting Approved                                                             participant appearing herein. All SBA programs and
                                                                                            services are extended to the public on a
               Financing Options                                                            nondiscriminatory basis.

               to Start or Grow Your Business.                                              Printed in the United States of America

                                                                                            While every reasonable effort has been made to
     31        Small Business                                                               ensure that the information contained herein was
                                                                                            accurate as of the date of publication, the information
               Training Network                                                             is subject to change without notice. Neither the
                                                                                            contractor, the federal government, or agents thereof
               Find out how and where the                                                   shall be held liable for any damages arising from the
                                                                                            use of or reliance on the information contained in this
               SBA can help your business grow.                                             publication.

     32        Contracting Opportunities
               SBA is working to ensure small
                                                    “Everything you need to know            SBA Publication # MCS-0018

                                                                                            This publication is provided under SBA Contract
               businesses obtain fair share of
                                                       about setting up, marketing          # SBAHQ05C0014.
               government contracts and                and managing the revenue of
               subcontracts with a number              your business.  ”

               of programs.

                                 Ways To Evaluate Your
                                 Strengths and Weaknesses
                                                                              Page 7
2 — Small Business Resource   MISSOURI                                                                                 Visit us online:
                                              The U.S. Small Business Administration

                                              FROM THE ADMINISTRATOR

                         hroughout our nation’s                            Overall, the SBA is committed to reinvigorating our

                         history, entrepreneurs and
                         small business owners have
                  proven that the American Dream is
                                                                           agency under the leadership of President Barack
                                                                           Obama, who is a visible and vocal advocate for
                                                                           America’s small businesses. He has spoken about
                  powerful, resilient and adaptable.                       how small businesses are born in family meetings
                  Given the right tools, small                             around kitchen tables, describing them as “the heart
                  businesses will lead the way in                          of the American economy.”
                  rebuilding our economy, creating
                  21st century jobs, and keeping                           Whether you work for a long-time Main Street shop, a
America competitive. This resource guide is one of                         start-up company or a high-tech firm, I hope you find
those tools – with a wealth of information about the                       the information in this guide to be timely and useful.
SBA and our network of partners throughout the                             Please take advantage of SBA district offices as well as
country.                                                                   thousands of SBA-affiliated counselors across the U.S.

Already, the SBA has taken bold action to help small                       Today, our nation’s small businesses – which employ
business owners lead us out of this recession. For                         more than half of working Americans – have an
example, the Recovery Act allowed us to temporarily                        opportunity to prove their potential to innovate, to
increase guarantees and reduce fees in our top two                         create jobs, and to drive the U.S. economy once again.
lending programs. This has led to increased lender
participation in SBA programs, more SBA lending                            Thank you for partnering with the SBA to help us
compared to the weeks before the Act, and reports                          achieve that critical goal for America’s future.
from borrowers that they are retaining and creating
thousands of jobs.                                                         With warm regards,

Our efforts don’t stop there. We are also working to                       Karen G. Mills
ensure that America’s small business communities                           Administrator
have access to training and mentoring, to federal                          Small Business Administration
government contracting opportunities, and to disaster
loan programs.

    About the SBA
    Your Small Business Resource
    Every day, the U.S. Small Business Administration and its nationwide      • Growing a Business
    network of partners help millions of potential and current small          • Opportunities in Contracting
    business owners start, grow and succeed.                                  • Recovering From Disaster
                                                                              • A Voice for Small Business in Government
    Resources and programs targeting small businesses provide an
    advantage necessary to help small businesses effectively compete in    Visit SBA online at for 24/7 access to small business
    the marketplace and strengthen the overall U.S. economy.               news, information and training for entrepreneurs.

    SBA offers help in the following areas:                                All SBA programs and services are provided on a nondiscriminatory
      • Starting a Business                                                basis.
      • Financing a Business

Visit us online:                                                                                MISSOURI Small Business Resource —   3
                                                         Message From The District Director

Kansas City District Office
Springfield Branch Office
SBA Staff Listing
                                                                                      Rules For Success                                                                        Recovery Act Gives SBA Tools
Kansas City District Office Myers, Marge
                                                                                      to Boost Small Businesses
1000 Walnut St., Ste.500 816-426-4913
Kansas City, MO 64106
                                                                                                                   The Recovery Act also authorizes SBA to

                            Parks, Cassandra
                                                                         he Administration is taking           refinance existing loans for fixed assets as part of
Front Desk                  816-426-4912
                                                                         actions to make a big dent in the     a business expansion project; to use its
816-426-4939 Fax            Ramsey, Debra                                small business credit crunch by       guarantee authority to establish a secondary
                            816-426-4901                                 offering new incentives to small      market for bank loans made under the 504 loan
Bailey, Linda                                                            business borrowers and lenders        program; and to make loans to broker-dealers
                            Ross, David
816-426-4904                                            through the American Recovery and                      who buy SBA-backed loans from lenders and
                                                        Reinvestment Act and Department of Treasury            pool them for sale to investors on the secondary
Caldwell, Barbara
816-426-4902                Ross, Jacquelyn             actions.                                               loan market.
                            816-426-4910                    With tax incentives and steps to encourage             Also under the Act, small businesses that
Coleman, Glenna                                         lending, the Recovery Act recognizes that small        need surety bonds to compete for construction
816-426-4914                Surmeier, Ken               businesses are part of the solution to getting our     and service contracts can qualify for SBA-
                            816-426-4919                economy moving again. The bill’s primary               backed surety bonds of up to $5 million, more
Cook, Gary                                              goals for the U.S. Small Business Administration       than double the previous $2 million maximum.
                            Walker, Celestine
816-426-4915                                            (SBA) are jump-starting job creation, re-starting          Another element of the Recovery Act that is
DeVoe, Kathy                                            lending, and promoting investment in small             already in place is SBA’s Microloan program.
816-426-4916                Government Contracting      businesses.                                            These non-profit, community-based lenders
                            Turner, David                   The Recovery Act provides entrepreneurs            make loans of up to $35,000 to small businesses
Fayne, Robert               816-823-1722                and lenders financial relief from the current          and start-ups. Because this program is already
816-426-4917                                            economic crisis that will help encourage               operating, you can go to a Microlender today
                            Springfield Branch Office   borrowing and lending to all small businesses,         and apply for a loan. The Act funds $50 million
Hardin, Rhonda              830 E. Primrose, Ste. 101   including start-ups.                                   in new loans by these Microlenders, plus $24
816-426-4911                Springfield, MO 65807           For small businesses, the Recovery Act             million to help pay for the technical assistance
                            417-890-8501                temporarily eliminates SBA guaranteed 7(a) and         and training they provide to loan applicants.
Hayne, Kathi                417-889-0074 Fax            504 loan fees and offers tax credits. For lenders,         We have already seen significant interest in a
                            Bowman, Janice
                                                        it temporarily eliminates 504 loan fees. The fee       new program, America’s Recovery Capital, or
Heusinkvelt, Neida                                      eliminations are retroactive to February 17, the       ARC Stabilization Loans. Beginning June 15th,
                            417-890-8501 ext. 203
816-426-4906                                            day the Recovery Act was signed.                       this temporary new program will offer deferred-
                            Cowart, Walter                  The Act also supports guarantees of up to 90       payment loans of up to $35,000 to viable small
James, Judy                 417-890-8501 ext. 215       percent on most types of 7(a) loans to qualified       businesses that need help making payments on
816-426-4905                                            small businesses. The temporary loan fee               an existing, qualifying loan for up to six months.
                            Jones, Brent                eliminations and 90 percent guarantee                  These loans will be 100 percent guaranteed by
Malcolm, Kim                417-890-8501 ext. 209       provisions will apply to approximately $8.7            SBA. Repayment would not have to begin until
816-235-6675                                            billion in 7(a) loans and $3.6 billion in 504 loans.   12 months after the loan is fully disbursed,
                            Simmons, Rebecca
Moore, Robbie               417-890-8501 ext. 202
                                                        SBA estimates this will cover lending in both          giving small businesses time to re-focus their
816-426-4933                                            programs through calendar year 2009.                   business plans in order to succeed in the long
                                                            In addition, the Treasury Department will          run.
                                                        commit up to $15 billion in TARP funds to help             Finally, I want to emphasize that all of SBA’s
                                                        unfreeze the small business lending market,            existing programs are open for business – we are
We Welcome Your                                         which will particularly benefit community              backing loans, and providing technical
Questions                                               banks, credit unions and other small lenders.          assistance, training, and contract help to
                                                        Treasury will purchase existing and new SBA-           entrepreneurs every day.
For extra copies of this publication or                 backed loans made by banks, freeing up more
questions please contact:                               capital so these banks can restart SBA-backed
                                                        lending to local small businesses.                     Sincerely,
                                                            The Act provides SBA with $730 million in
Kansas City District Office                             total funding. This includes $375 million to
1000 Walnut Street, 5th Floor                           cover the costs of temporarily eliminating loan
Kansas City, MO 64106                                   fees and raising guarantee limits on some loans;
                                                        extra funding for SBA-backed Microlenders;
Tel.: 816-426-4900 Fax: 816-426-4939                    and $255 million for a new loan program to             Gary Cook
                                                        help viable small businesses with immediate            District Director of
Website:                                 economic hardship make payments on existing            SBA's Kansas City District Office

4 — Small Business Resource   MISSOURI                                                                                                 Visit us online:
                                                                                         The SBA helps business

  Doing Business in Missouri
                                                                                         owners grow and expand
                                                                                         their businesses every day.

Adair,     Andrew,    Atchison,    Bates,   Allen, Anderson, Atchison, Bourbon,
                                                                                                                   Jeri Bartunek
Buchanan, Caldwell, Carroll, Cass,          Brown, Cherokee, Coffey, Crawford,
                                                                                                                   Bartunek Technology Group, Inc.
Chariton, Clay, Clinton, Cooper, Davies,    Doniphan, Douglas, Franklin, Jackson,                                  9393 W. 110th St., Ste. 500
DeKalb, Gentry, Grundy, Harrison, Henry,    Jefferson, Johnson, Labette, Leavenworth,                              Overland Park, KS 66210
Holt,    Howard,     Jackson,   Johnson,    Linn, Marshall, Miami, Montgomery,
Lafayette, Linn, Livingston, Mercer,        Nemaha, Neosho, Osage, Pottawatomie,
Nodaway, Pettis, Platte, Ray, Saline,       Shawnee,      Wilson,   Woodson,     and    Overland Park, KS…Bartunek Technology Group
Sullivan, and Worth.                        Wyandotte.                                  (BTG) was founded in 1989 by Jeri Bartunek. BTG
                                                                                        is a quality, award winning staffing agency. They
                                                                                        provide short-term and long-term staffing
MISSOURI COUNTIES SERVED BY THE                                                         opportunities, to clients locally and throughout the
SPRINGFIELD BRANCH OFFICE                                                               United States.
Barry, Barton, Benton, Camden, Christian,                                               BTG specializes in providing diversified services
Cedar, Dade, Dallas, Douglas, Greene,                                                   and solutions to both the public and private sectors.
Hickory, Howell, Jasper, Laclede,                                                       BTG is unique because it specializes in high
Lawrence, McDonald, Morgan, Newton,                                                     technology personnel in IT and Engineering.
Ozark, Polk, Pulaski, St. Clair, Stone,
Taney, Texas, Vernon,     Webster, and                                                  After working many years in the corporate world,
                                                                                        Jeri became disengaged with the “corporate office
Wright.                                                                                 politics” and decided to start her own company.
                                                                                        Using her own personal funds she started BTG.
                                                                                        Being a single parent and with no financial backing
                                                                                        from a bank, life was difficult. Lack of funding
                                                                                        limited the business growth and profitability. There
                                                                                        were times when cash flow to meet payroll and
                                                                                        business expenses were a major concern. Jeri’s
                                                                                        strong drive to survive and excellent customer
                                                                                        service to her existing clientele allowed the
                                                                                        company to acquire more and more business.

                                                                                        The company started with two employees. In 2005
                                                                                        they reached 57 employees working in a variety of
                                                                                        contracts. Between 2005 and 2007, the business
                                                                                        evolved into a more highly skilled company,
                                                                                        focusing more on the placement of IT personnel
                                                                                        and engineers.

                                                                                        BTG is identifying new areas of technology
                                                                                        innovation and growth so they can be at the
                                                                                        forefront of job creation. They are working to
                                                                                        identify opportunities which are “Green” and
                                                                                        “LEEDs” levels in the scientific, engineering, IT and
                                                                                        energy arenas and to identify scientific personnel
                                                                                        where statistical talent is required for the next wave
                                                                                        of bio-medical advancements. “My goal is to keep
                                                                                        jobs in the United States,” said Jeri. “I want to know
                                                                                        where technology is going not where it is: therefore
                                                                                        I have retained a recent Massachusetts Institute of
                                                                                        Technology MBA graduate to school Bartunek
                                                                                        Group employees on what recent tech graduates
                                                                                        think will be happening. In this way we can prepare
                                                                                        for the next wave of technology by seeking
                                                                                        candidates with those skills.

                                                                                        BTG has had its share of adversity. In 2001 the
                                                                                        company suffered from a downturn in
                                                                                        opportunities due to a total saturation in
                                                                                        telecommunication and data in the years prior to
                                                                                        the turn of the century. The 9-11 tragedy caused

                                                                                                                           continued on page 22

Visit us online:                                                                      MISSOURI Small Business Resource —   5

                          GettinG Started
                    The SBA Can Help You Start And Expand Your Own Business
                                                                                               selors with clients in need of expert advice.
                                                                                               SCORE has experts in virtually every area
                                                                                               of business management and maintains a
                                                                                               national skills roster to help identify the
                                                                                               best counselor for a particular client.
                                                                                               Volunteer counselors, whose collective
                                                                                               experience spans the full range of
                                                                                               American       enterprise,     share      their
                                                                                               management and technical expertise with
                                                                                               both current and prospective small
                                                                                               business owners.
                                                                                                  Most SCORE volunteers are retired
                                                                                               business owners or managers, though
                                                                                               some members are still actively employed.
                                                                                               Volunteers work in or near their home
                                                                                               communities providing management
                                                                                               counseling and training to first-time
             very day, the U.S. Small        and     choose

                                                                                               entrepreneurs and current small business
             Business Administration and its   “Women’s Business Centers from the              owners. They meet with clients at a SCORE
             nationwide network of resource    “Counseling & Assistance” heading at the        chapter office, an SBA office or at the client's
             partners help millions of         bottom.                                         place of business.
             potential and current small          These professionals can also help with          Every effort is made to match a client's
business owners start, grow and succeed.       writing a formal business plan, locating        needs with a counselor who is experienced
   Whether your target market is global or     sources of financial assistance, managing       in a comparable line of business. All
just your neighborhood, the SBA and its        and expanding your business, finding            individual and team counseling is free;
resource partners can help at every stage of   opportunities to sell your goods or services    there may be a nominal fee for workshops
turning your entrepreneurial dream into a      to the government, recovering from              and seminars.
thriving business.                             disaster or acting as advocates for small          Through in-depth counseling and
   If you’re just starting, the SBA and its    businesses with Congress and regulatory         training,    SCORE       volunteers        help
resources can help you with loans and          agencies.                                       prospective and established small business
business management skills. If you’re                                                          owners and managers identify problems,
                                                                                               determine the causes and find solutions.
already in business, you can use the SBA’s
resources to help manage and expand your
                                               SBA’S RESOURCE PARTNERS                            Any small business can obtain help from
business, obtain government contracts,         SCORE                                           SCORE. Whether you are considering
                                                                                               starting your own business, have a
recover from disaster, and have your voice     SCORE is a 10,500-member volunteer
heard in the federal government.                                                               business that is experiencing problems, are
                                               nonprofit association which operates under
   You can access SBA help online 24 hours                                                     ready to expand, or need some other type
                                               cooperative agreement with the U.S. Small
a day at or visit one of our                                                       of advice, SCORE can help. The approach is
                                               Business Administration. SCORE, with
local offices for assistance.                                                                  confidential and personal. You don't need
                                               more than 40 years experience helping
                                                                                               to be applying for or have an SBA loan to
                                               small businesses succeed, matches
Where To Go To Get Started                                                                     participate in the program. In fact, an idea
                                               volunteer business-management coun-
   Our resources include the SBA’s district                                                    is all that is necessary; consultation and
offices serving every state and territory,
nearly 400 chapters of SCORE – Counselors
                                                                                          • You get to be your own boss.
to America’s Small Businesses, 885 Small
Business Development Centers and                                                          • Hard work and long hours directly benefit you, rather
approximately 114 Women’s Business                ON THE UPSIDE                             than increasing profits for someone else.
Centers located across the country. More                                                  • A new venture is exciting.
information about SCORE, SBDCs and the            It’s true, there are a lot of reasons
                                                  not to start your own business. But
WBCs is detailed later in this publication,                                               • Earnings and growth potential are far less limited.
                                                  for the right person, the advantages
or you can click on,
                                                  of business ownership far outweigh      • Running a business will provide endless          the risks.                                variety, challenge and opportunities to learn.
sbdc/index.html     for    SBDCs      or

6 — Small Business Resource   MISSOURI                                                                                     Visit us online:
                                           counseling before a business start-up is an       SBDCs assist with development of
   EVALUATE                                important part of SCORE's service.
                                           SCORE can also be found on the Internet at
                                                                                          business plans, provide manufacturing,
                                                                                          financial packaging, contracting and
                                  The Internet makes it           international trade assistance. Special
   Start by evaluating your                possible to reach more small business
                                           clients with online mentoring and
                                                                                          emphasis areas include e-commerce,
                                                                                          technology transfer, IRS, EPA and OSHA
   strengths and weaknesses                counseling.                                    regulatory compliance, research and
                                                                                          development, Defense Economic Transition
                                              Business owners use the Web to fulfill
                                           their needs for information and advice.        Assistance, disaster recovery assistance and
                                           SCORE is primed to meet their requests for     market research. SBDCs also provide
                                           help by offering e-mail counseling, maps to    special assistance to veterans and help with
                                           local SCORE chapters, hotlinks to other        energy efficiency under new program
   1. Are you a self-starter?              business resources on the Internet and         initiatives. Based on client needs, SBDCs
      It will be up to you – not           more at the click of a mouse. E-mail           tailor their services to meet the evolving
      someone else telling you – to        counseling is provided by the Cyber-           needs of the local small business
                                           chapter, which now includes more than          community.
      develop projects, organize your                                                        SBDCs deliver management and
      time and follow through on           1,200 online members. You can choose from
                                                                                          technical assistance to prospective and
                                           almost 800 unique skills to find the
      details.                                                                            existing small businesses using an effective
                                           cybercounselor who best suits your
                                                                                          business education network of 63 lead
                                           individual needs, including special
   2. How well do you get along                                                           centers and 885 service-center locations
                                           counseling for veterans, service-disabled
                                                                                          contracted to manage a broad-based SBDC
      with different personalities?        veterans and Reserve component                 program. SBDCs are located throughout
      Business owners need to develop      members. SCORE also offers more than 30        the U.S., District of Columbia, Guam,
      working relationships with a         online training workshops on topics for        American Samoa, Puerto Rico and the U.S.
      variety of people including          small businesses. Log on to SCORE's            Virgin Islands.
                                           Internet site at to take            For more information, visit the Web site
      customers, vendors, staff,
                                           advantage of the many services SCORE has       at:
      bankers, lawyers, accountants and    to offer your business.                        sbdc/ index.html.
      consultants. Can you deal with a     SCORE Business Resource Center                 Kansas SBDCs
      demanding client, an unreliable         4747 Troost
                                              Kansas City, MO 64110                       KSBDC State Office
      vendor or a cranky staff person?        816-235-6675                                   214 S.W. 6th St., Ste. 301
                                                                                             Topeka, KS 66603
   3. How good are you at making           Topeka Chapter #342                               785-296-6514 • 785-291-3261 Fax
                                              c/o Washburn University SBDC         
      decisions?                              1700 S.W. College Ave.
      Small business owners are               Topeka, KS 66621                            Johnson County Community College
      required to make decisions              785-231-1010 ext. 1305                         CEC Bldg., Rm. 223
      constantly, often quickly, under                                                       Overland Park, KS 66210
                                           Lake of the Ozarks Chapter #493                   913-469-3878 • 913-469-2547 Fax
      pressure.                               University Extension                 
                                              113 Kansas St./P.O. Box 1405
                                              Camdenton, MO 65020                         Pittsburg State University
   4. Do you have the physical and            573-346-2644                                   Shirk Hall, 1501 S. Joplin
      emotional stamina to run a                                                             Pittsburg, KS 66762
      business?                            Springfield Chapter #61                           316-235-4920 • 316-235-4919 Fax
                                              Springfield Branch Office            
      Business ownership can be               830 E. Primrose, Ste. 101
      challenging, fun and exciting. But      Springfield, MO 65807                       University of Kansas
      it’s also a lot of hard work. Can       417-890-8501 ext. 218                          734 Vermont, Ste. 104
      you face 12-hour workdays six or                                                       Lawrence, KS 66044
      seven days a week?                   SMALL BUSINESS                                    785-843-8844 • 785-865-4400 Fax
                                           DEVELOPMENT CENTERS                            Washburn University
   5. How well do you plan and               Small Business Development Centers              120 S.E. 6th St., Ste. 110
      organize?                            meet the needs of small businesses and            Topeka, KS 66603
      Research indicates many              promote economic development in local             785-234-3235 • 785-234-8656 Fax
      business failures could have been    communities by helping to create and    
                                           retain jobs. Partially funded by a                Missouri SBDCs
      avoided through better planning.
                                           cooperative agreement with SBA, SBDC’s
      Good organization – of financials,   goals are focused on providing long-term       Missouri SBDC State Office
      inventory, schedules, production                                                       University of Missouri - Columbia
                                           counseling to clients to help them grow           410 S. Sixth St., 200 Engineering N.
      – can help avoid pitfalls.           successful businesses. The SBDC network           Columbia, MO 65211
                                           provides counseling and training to more          573-884-1555 • 573-884-4297 Fax
                                           than 550,000 existing businesses or start-up
                                           business clients annually.              

Visit us online:                                                                       MISSOURI Small Business Resource —   7
                                                                                                business ownership representative or
                                                                                                women’s business center, and to learn more
                                                                                                about SBA programs and services, visit the
                                                                                                Office of Women’s Business Ownership at

                                                                                                ARE YOU RIGHT FOR SMALL
                                                                                                BUSINESS OWNERSHIP?
                                                                                                   Most new business owners who succeed
                                                                                                have planned for every phase of their
                                                                                                success. Thomas Edison, the great
                                                                                                American inventor, once said, “Genius is 1
                                                                                                percent inspiration and 99 percent
                                                                                                perspiration.” That same philosophy also
University of Central Missouri                 St. Joseph Satellite Center                      applies to starting a business.
    Small Business & Technology Development        St. Joseph Chamber of Commerce                  First, you’ll need to generate a little bit of
    Center                                         3003 Frederick Ave.                          perspiration deciding whether you’re the
    Dockery Ste. 102                               St. Joseph, MO 64506-5104                    right type of person to start your own
    Warrensburg, MO 64093                          816-232-4461 • 816-364-4873 Fax              business.
    660-543-4402 • 660-543-8159 Fax      
                                               Truman State University
Chillicothe Satellite Center                       100 E. Normal                                IS ENTREPRENEURSHIP FOR
    Chillicothe City Hall
    715 Washington St.
                                                   Kirksville, MO 63501
                                                   660-785-4307 or 660-785-4357
    Chillicothe, MO 64601                                              In business, there are no guarantees.
    660-646-6920 • 660-646-6811 Fax                                                             There is simply no way to eliminate all the                    West Plains SBDC (Satellite)                     risks associated with starting a small
                                                   Missouri State University                    business - but you can improve your
Missouri Southern State University                 128 Garfield                                 chances of success with good planning,
    Robert W. Plaster Free Enterprise Center       West Plains, MO 65775
    3950 Newman Rd.                                417-255-7966 • 417-255-7963 Fax              preparation, and insight. Start by
    Joplin, MO 64801                                   evaluating your strengths and weaknesses
    417-625-9313 • 417-625-9782 Fax                                                             as a potential owner and manager of a                                                                          small business. Carefully consider each of
                                               WOMEN’S BUSINESS                                 the following questions:
Northwest Missouri State University
    423 N. Market                              CENTERS                                            • Are you a self-starter? It will be entirely
                                                                                                    up to you to develop projects, organize
    Maryville, MO 64468                           The SBA’s Women Business Centers are a            your time, and follow through on details.
    660-562-1701 • 660-562-3071 Fax            nationwide network of 114 community-               • How well do you get along with                        based centers that provide business                  different       personalities? Business
                                               training, counseling, mentoring and other            owners need to develop working
University of MO - Kansas City SBDC                                                                 relationships with a variety of people
    Small Business Technology Development      assistance geared to women, particularly
                                               those who are socially and economically              including customers, vendors, staff,
    Center                                                                                          bankers, and professionals such as
    4747 Troost, Ste. 121                      disadvantaged. To meet the needs of
                                                                                                    lawyers, accountants, or consultants. Can
    Kansas City, MO 64110                      women entrepreneurs, the WBCs offer their            you deal with a demanding client, an
    816-235-6063 • 816-235-2947 Fax            services at convenient times and locations.          unreliable vendor, or a cranky                      Some offer child care during training and            receptionist if your business interests
Missouri State University                      many provide assistance and materials in             demand it?
                                               different languages, depending on the              • How good are you at making
    Glass Hall
                                               needs of the individual communities they             decisions? Small business owners are
    901 S. National
                                                                                                    required to make decisions constantly -
    Springfield, MO 65804                      serve. Classes are either free or offered at a
                                                                                                    often quickly, independently, and under
    417-836-5685 • 417-836-7666 Fax            small fee, and scholarships are often                                                                          pressure.
                                               available to those who need them. A                • Do you have the physical and
                                               number of WBCs also provide courses and              emotional stamina to run a business?
                                               counseling via the Internet, mobile                  Business ownership can be exciting, but
                                               classrooms and satellite locations.                  it's also a lot of work. Can you face six or
                                                  Both SBA district offices and women’s             seven 12–hour workdays every week?
                                                                                                  • How well do you plan and organize?
                                               business centers often offer mentoring
       For ALL Your Franchising                roundtables. If there is not an existing
                                                                                                    Research indicates that poor planning is
                                                                                                    responsible for most business failures.
       Needs                                   roundtable nearby, women’s business                  Good organization — of financials,
                                               centers may be able to help women                    inventory, schedules, and production —
       Go To:                                  entrepreneurs set them up.                           can help you avoid many pitfalls.                     To find the nearest SBA women’s

8 — Small Business Resource   MISSOURI                                                                                 Visit us online:
  • Is your drive strong enough? Running a                                                             Finding Your Niche
    business can wear you down emotionally.
    Some business owners burn out quickly
    from having to carry all the responsibility
                                                       WEBSITE                                           Choosing a home business must be
                                                                                                       approached carefully.
    for the success of their business on their          Business plan help
    own shoulders. Strong motivation will                                                              Ask yourself:
    help you survive slowdowns and periods        The nearest SCORE chapter can be                       • Does my home have the space for a
    of burnout.                                   located at:                               business?
  • How will the business affect your             For business plan help at the SCORE Web                • Can I identify and describe the business I
    family? The first few years of business       site, click on “Business Tools” from the left-hand       want to establish?
    start-up can be hard on family life. It's                                                            • Can I identify my business product or
                                                  menu, then click on “Template Gallery.”
    important for family members to know                                                                   service?
    what to expect and for you to be able to                                                             • Is there a demand for that product or
                                                  You can find the           nearest   VBOC      at:       service?
    trust that they will support you during
                                                                              • Can I successfully run the business from
    this time. There also may be financial
    difficulties until the business becomes                                                                home?
    profitable, which could take months or        To find WBCs, click on:
    years. You may have to adjust to a lower      and choose “Women’s Business Centers” from the       Legal Requirements
    standard of living or put family assets at    “Counseling and Assistance” heading at the              A home-based business is subject to
    risk in the short-term.                       bottom.                                              many of the same laws and regulations
  Once you’ve answered those questions,                                                                affecting other businesses.
you should consider what type of business         You can also find business-plan help on the SBA’s
                                                                                                       Some general areas include:
you want to start.                                Web site at:                                           • Zoning regulations. If your business
                                                         operates in violation of them, you could
                                                  then choose “Writing a Business Plan” from the
FRANCHISING                                       “Plan Your Business” menu along the bottom.
                                                                                                           be fined or shut down.
                                                                                                         • Product restrictions. Certain products
   There are more than 3,000 franchised                                                                    cannot be produced in the home. Most
businesses. The challenge is to decide on                                                                  states outlaw home production of
one that both interests you and is a good         HOME-BASED BUSINESSES                                    fireworks, drugs, poisons, explosives,
investment. Many franchising experts                 Going to work used to mean traveling                  sanitary or medical products and toys.
                                                  from home to a plant, store or office. Today             Some states also prohibit home-based
suggest that you comparison shop by
                                                                                                           businesses from making food, drink or
looking at multiple franchise opportunities       many people do some or all their work at
before deciding on the one that's right for       home.
                                                                                                          Be sure to consult an attorney and your
you.                                                 Garages, basements and attics are being
                                                                                                       local, city and state departments of labor to
   Some of the things you should look at          transformed      into     the      corporate
                                                                                                       find out which laws and regulations will
when evaluating a franchise: profitability,       headquarters of the newest entrepreneurs –
                                                                                                       affect your business. Additionally, check on
effective financial management and other          home-based business owners.
                                                                                                       registration and accounting requirements
controls, a good image, integrity and
                                                  Getting Started                                      needed to open your home-based business.
commitment, and a successful industry.
                                                      Before diving headfirst into a home-             You may need a work certificate or license
   In the simplest form of franchising, while
                                                  based business, you must know why you                from the state. Your business name may
you own the business, its operation is
                                                  are doing it. To succeed, your business              need to be registered with the state. A
governed by the terms of the franchise
                                                  must be based on something greater than a            separate business telephone and bank
agreement. For many, this is the chief
                                                  desire to be your own boss. You must plan            account are good business practices.
benefit for franchising. You are able to
                                                  and make improvements and adjustments                   Also remember, if you have employees
capitalize on a business format, trade name,
                                                  along the road.                                      you are responsible for withholding
trademark and/or support system
provided by the franchisor. But you operate           Ask yourself these questions – and               income and social-security taxes, and for
as an independent contractor with the             remember, there are no best or right reasons         complying with minimum wage and
ability to make a profit or sustain a loss        for starting a home-based business. But it is        employee health and safety laws.
commensurate with your ownership.                 important to understand what the venture                If you’re convinced that working from
   If you are concerned about the risk            involves.                                            home is for you, it’s time to create your
involved in a new, independent business               Working under the same roof where                business plan. The SBA and its resource
venture, then franchising may be the best         your family lives may not prove to be as             partners, such as SCORE, SBDCs and
business option for you. Remember that            easy as it seems. It’s important to work in a        WBCs can help make the process easier.
hard work, dedication and sacrifice are key       professional environment. One suggestion
elements in the success of any business           is to set up a separate office in your home to
venture, including franchising.                   create this professional environment.                WRITING A BUSINESS PLAN
   For more information visit the SBA Web                                                                After you’ve thought about what type of
site at:         Ask yourself:                                        business you want, the next step is to
                                                    • Can I switch from home responsibilities
planner/start/ and click on “Buy a                                                                     develop a business plan. Think of the
                                                      to business work?
Franchise” from the menu on the right side          • Do I have the self-discipline to maintain        business plan as a roadmap with
or call your local SBA office.                        schedules?                                       milestones for the business. It begins as a
                                                    • Can I deal with the isolation of working         pre-assessment tool to determine
                                                      from home?                                       profitability and market share, then
                                                    • Am I a self-starter?                             expands as an in-business assessment tool

Visit us online:                                                                                    MISSOURI Small Business Resource —   9
to determine success, obtain financing and        review it with a friend or business             Kansas City SCORE Chapter and
determine repayment ability, among other          associate and professional business             Business Resource Center
factors.                                          counselor like SCORE or SBDC             
   Creating a comprehensive business plan         representatives, SBA district office     
can be a long process, and you need good          business development specialists or             Springfield SCORE Chapter
advice. The SBA and its resource partners,        Veterans     Business     Development    
including Small Business Development              specialists.                             
Center, Veterans Business Outreach                  Remember, the business plan is a flexible
Centers, SCORE and Women’s Business               document that should change as your
Centers, have the expertise to help you craft     business grows.                                 REACHING UNDERSERVED
a winning business plan.
                                                  Business Resource Center
   In general, a good business plan
contains:                                            On any given day, you can walk into the      Women Business Owners
                                                  Business Resource Center (BRC) operated            Women entrepreneurs are changing the
Introduction                                      by SCORE and find a number of emerging
  • Give a detailed description of the                                                            face of America's economy. In the 1970’s,
                                                  entrepreneurs hard at work. They might be       women owned less than five percent of the
    business and its goals.
                                                  sitting at a computer terminal preparing        nation’s businesses. Today, they are at least
  • Discuss ownership of the business and its
    legal structure.                              cash flow projections, engrossed in a
                                                                                                  equal owners of nearly half the nation’s
  • List the skills and experience you bring to   business plan outline in the reference
                                                                                                  businesses and are majority owners of
    the business.                                 library, engaging in an in-depth
                                                  conversation with a SCORE counselor, or         about a third of all small businesses. SBA
  • Discuss the advantages you and your
    business have over competitors.               possibly photographing their product with       serves women entrepreneurs nationwide
                                                  the center’s digital camera. The BRC offers     through its various programs and services,
Marketing                                         a range of services designed to help small      some of which are designed especially for
  • Discuss the products and services your        companies succeed, from the planning            women. Many of these are overseen by
    company will offer.                           stages through expansion.                       SBA’s Office of Women’s Business
  • Identify customer demand for your                A computer lab with the latest in            Ownership.
    products and services.                        business software can help entrepreneurs           Women’s        business      ownership
  • Identify your market, its size and            do research, prepare business plans, create     representatives in every SBA district office
    locations.                                    brochures or develop company letterhead
  • Explain how your products and services                                                        coordinate services for women, helping
                                                  and business cards. The “Ask Harry”             them access appropriate training,
    will be advertised and marketed.
  • Explain your pricing strategy.
                                                  software program, touted as the “ultimate       counseling, mentoring, federal contracting
                                                  business consultant,” is used by clients for    opportunities, financing, and more. They
Financial Management                              things such as determining whether or not
                                                                                                  can also provide information on other local
  • Develop an expected return on                 they would qualify for a small business
                                                  loan.                                           resources, including SBA resource partners
    investment and monthly cash flow for the                                                      and lenders.
    first year.                                      The reference library offers resources for
  • Provide projected income statements, and      nearly every aspect of operating a small
    balance sheets for a two-year period.         business, including marketing, pricing,
  • Discuss your break-even point.                sales strategies, starting a home-based         VETERANS AND RESERVISTS
  • Explain your personal balance sheet and
    method of compensation.
                                                  operation and franchising. Comprehensive
                                                  manuals, guides and videos make
                                                                                                  BUSINESS DEVELOPMENT
  • Discuss who will maintain your                accessing needed information easy for BRC         The SBA offers a variety of services to
    accounting records and how they will be       clients. Some of the most frequently used       American veterans who have made or are
    kept.                                                                                         seeking to make the transition from service
                                                  resources are the start-up guides for over
  • Provide “what if” statements addressing                                                       member to small business owner. Each of
    alternative approaches to potential
                                                  150 different businesses. The guides
                                                  provide “how-to” information for opening        SBA's 68 district offices throughout the
                                                  and operating a specific type of business.      country has designated a veterans business
Operations                                           SCORE provides one-on-one counseling         development officer to help veterans
  • Explain how the business will be              services in areas such as business planning     prepare,    plan     and     succeed     in
    managed day-to-day.                           marketing, accounting, pricing and              entrepreneurship. The Veterans Business
  • Discuss hiring and personnel procedures.      financing options. Clients may meet with a      Outreach Centers provide online and face-
  • Discuss insurance, lease or rent              counselor on a one-time basis or for several    to-face entrepreneurial development
    agreements, and issues pertinent to your      sessions, whichever meets the needs of the      services such as business training,
    business.                                     business. For more information call or visit:   counseling and mentoring to eligible
  • Account for the equipment necessary to        Business Resource Center                        veterans owning or considering starting a
    produce your goods or services.                  4747 Troost
  • Account for production and delivery of           Kansas City, MO 64110                        small business. SBDCs and SCORE also
    products and services.                           816-235-6675                                 provide targeted management assistance to
                                                     Hours: 8:00 a.m. to 5:00 p.m.                veterans who are current or prospective
Concluding Statement                                 Monday through Friday.                       small business owners. SCORE also
   Summarize your business goals and                 Appointments are recommended for             provides resources and counseling services
                                                     counseling and computer use.                 online at:
objectives and express your commitment
                                                     National SCORE Organization
to the success of your business. Once you  
have completed your business plan,

10 — Small Business Resource   MISSOURI                                                                                Visit us online:
   The SBA offers special assistance for          To ensure that veterans, service-disabled    SBA Answer Desk
small businesses owned by activated             veterans and Reserve and National Guard           800-U-ASK-SBA
Reserve and National Guard members.             member entrepreneurs receive special
Any self-employed Reserve or Guard              consideration in all its entrepreneurial
member with an existing SBA loan can            programs and resources, the SBA has
request from their SBA lender or SBA            established an Office of Veterans Business     U.S. Small Business Administration
district office, loan payment deferrals,        Development. OVBD develops and          
interest rate reductions and other relief       distributes various informational materials
after they receive their activation orders.     for entrepreneurship such as the Veterans
   Additionally, the SBA offers special low-    Business Resource Guide, VETGazette,
                                                                                               NATIVE AMERICAN BUSINESS
interest-rate financing to small businesses     Getting Veterans Back to Work, and various     DEVELOPMENT
when an owner or essential employee is          other materials. Veterans may access these        The SBA is also working to ensure that
called to active duty. The Military Reservist   resources and other assistance from OVBD       entrepreneurship      opportunities    are
Economic Injury Disaster Loan Program           by     visiting   the    Web      site   at:   available for American Indians, Native
provides loans to eligible small businesses                             Alaskans and Native Hawaiians seeking to
to cover operating costs that cannot be met       For more information or special              create, develop and expand small
due to the loss of an essential employee        assistance with government contracting,        businesses. These groups have full access
called to active duty in the reserves or        including programs for veterans and            to the necessary business development and
National Guard. Small businesses may            service-disabled veterans, please check the    expansion tools available through the
apply for MREIDLs of up to $2 million if        Contracting Opportunities section of this      agency’s entrepreneurial development,
they have been financially impacted by the      publication, and the Web site above.           lending and procurement programs. More
loss of an essential employee. The SBA has        SBA’s Patriot Express Initiative has new     information is at:
created a special Web page specifically for     and enhanced programs and services for         aboutsba/sbaprograms/naa/index.html.
Reserve and Guard members at:                   veterans and members of the military        community wanting to establish or expand
reservists/index.html.                          small businesses. See the Financing section
                                                for more information on Patriot Express.

Visit us online:                                                                          MISSOURI Small Business Resource —   11

               knowinG the ruleS
                          Paying Attention to Detail Can Save Time and Money
                                                                                                 Kansas Secretary of State
                                                                                                     Memorial Hall, 1st Fl.
                                                                                                     120 S.W. 10th Ave.
                                                                                                     Topeka, KS 66612-1594

                                                                                                 Missouri Secretary of State
                                                                                                     Corporation Division
                                                                                                     P.O. Box 778
                                                                                                     Jefferson City, MO 64102

                                                                                                 CHOOSING YOUR BUSINESS
                                                                                                    You may operate your business under
                                                                                                 one of many organizational structures. The
                                                                                                 most common organizational structures are
                                                                                                 sole proprietorships, general and limited
           ven if your consulting service or     identification number to operate, finding       partnerships, “C” and “S” corporations and

E          hand-knit sweater business is
           based from your home, it will
           have to comply with many of
           the numerous local, state, and
federal regulations. Avoid the temptation to
ignore regulatory details. Doing so may
avert some red tape in the short term, but
                                                 the right license can be a major challenge
                                                 for potential business owners.
                                                    “Feature Topics” focuses on common
                                                 business concerns. It provides context to
                                                 the compliance information provided on
                                                 the site and helps business owners
                                                 understand in plain language the
                                                                                                 limited liability companies.
                                                                                                    Each structure offers unique tax and
                                                                                                 liability benefits. If you’re uncertain which
                                                                                                 format of business is right for you, you may
                                                                                                 want to discuss options with a business
                                                                                                 counselor or attorney.

could be an obstacle as your business            regulatory requirements their businesses        Sole Proprietorship
grows. Taking the time to research the           face. Additional topics are added on a             One person operating a business as an
applicable regulations is as important as        regular basis in response to the most           individual is a sole proprietorship. It’s the
knowing your market. Bear in mind that           frequent searches on the site.                  most common form of business
regulations vary by industry. If you're in the      The     Content    Partners    Program       organization. Profits are taxed as income to
food-service business, for example, you          encourages government agencies, trade           the owner personally. The personal tax rate
will have to deal with the health                associations and professional organizations     is usually lower than the corporate tax rate.
department. If you use chemical solvents,        to develop compliance assistance tools and      The owner has complete control of the
                                                                                                 business, but faces unlimited liability for its
you will have environmental compliances          resources for small- and medium-sized
                                                                                                 debts. There is very little government
to meet. Carefully investigate the               businesses that can then be featured on the
                                                                                                 regulation or reporting required with this
regulations that affect your industry. Being     site’s Feature Topics and Compliance
                                                                                                 business structure.
out of compliance could leave you                Guides pages.
unprotected legally, lead to expensive  partners with the SBA and 21
                                                                                                 General Partnership
penalties and jeopardize your business.          other federal agencies. You’re just a
                                                                                                   A partnership exists when two or more
                                                 computer click away from help 24-hours a
                                                                                                 persons join together in the operation and
                                                 day at:
BUSINESS.GOV                                                                                     management of a business. Partnerships is the official business link                                                    are subject to relatively little regulation and
to the U.S. government providing a one-          BUSINESS ORGANIZATION                           are fairly easy to establish. A formal
stop shop for federal resources from the           There are many forms of legal structure       partnership agreement is recommended to
federal government agencies that regulate        you may choose for your business. Each          address potential conflicts such as: who
or serve businesses.                             legal structure offers organizational options   will be responsible for performing each’s new “Permit Me” feature        which are appropriate for different             task; what, if any, consultation is needed
provides a single source for obtaining           personal situations and which affect tax        between partners before major decisions,
federal and state permits and professional       and liability issues. We suggest you            and what happens when a partner dies,
licenses for businesses.        While most       research each legal structure thoroughly        and so on. Under a general partnership
businesses in the United States are required     and consult a tax accountant and/or             each partner is liable for all debts of the
to obtain a permit, professional license, or     attorney prior to making your decision.         business. Profits are taxed as income to the

12 — Small Business Resource   MISSOURI                                                                                Visit us online:
partners based
                          on      their   ownership
                                                      LOGISTICS OF STARTING                            starting point for evaluating the needs of
                                                                                                       your business.
                                                      YOUR BUSINESS                                       Liability Insurance – Businesses may
Limited Partnership                                                                                    incur various forms of liability in
  Like a general partnership, a limited                                                                conducting their normal activities. One of
partnership is established by an agreement            BUSINESS LICENSES                                the most common types is product liability,
between two or more persons. However,                   There are many types of licenses, both         which may be incurred when a customer
there are two types of partners.                      state and local as well as professional.         suffers harm from using the business
  • A general partner has greater control in          Depending on what you do and where you
                                                                                                       product. There are many other types of
    some aspects of the partnership. For              plan to operate, your business may be
                                                                                                       liability, which are frequently related to
    example, only a general partner can               required to have various state and/or
                                                                                                       specific industries. Liability law is
    decide to dissolve the partnership.               municipal licenses, certificates or permits.
    General partners have no limits on the              Licenses are typically administered by a       constantly changing. An analysis of your
    dividends they can receive from profit so         variety of state and local departments.          liability insurance needs by a competent
    they incur unlimited liability.                   Consult your state or local government for       professional is vital in determining an
  • Limited partners can only receive a share                                                          adequate and appropriate level of
    of profits based on the proportional                                                               protection for your business.
    amount on their investment, and the
                                                                                                          Property – There are many different
    liability is similarly limited in proportion
    to their investment.
                                                      FICTITIOUS BUSINESS NAME                         types of property insurance and levels of
                                                        Kansas does not have a requirement to          coverage available. It is important to
“C” Corporation                                       register a fictitious name of a sole             determine the property you need to insure
   A “C” corporation is a legal entity created        proprietorship. A “d/b/a” may be used in         for the continuation of your business and
under state law by the filing of articles of          Kansas without registering. General              the level of insurance you need to replace
incorporation. A corporation is a separate            partnerships are required to register their      or rebuild. You must also understand the
entity having its own rights, privileges and          company name with the state for tax              terms of the insurance, including any
liabilities, apart from those of the                  purposes.                                        limitations or waivers of coverage.
individual(s) forming the corporation. It’s             A business that incorporates in Kansas            Business Interruption – While property
the most complex form of business                     must select a corporate name that is             insurance may pay enough to replace
organization and is comprised of                      distinguishable upon the records of the          damaged or destroyed equipment or
shareholders, directors and officers. Since           Secretary of State’s office from the names       buildings, how will you pay costs such as
the corporation is an entity in its own right         already on file. A business may reserve a        taxes, utilities and other continuing
it can own assets, borrow money and                   name for corporate use by filing a name          expenses during the period between when
perform business functions without                    reservation application with the Secretary       the damage occurs and when the property
directly     involving       the      owners.         of State’s office. Foreign corporations and      is replaced? Business Interruption (or
Corporations are subject to more                      domestic or foreign limited partnerships         "business income") insurance can provide
government regulation and it offers the               are treated similarly.                           sufficient funds to pay your fixed expenses
owners the advantage of limited liability,              Missouri law requires any person who           during a period of time when your
but not total protection from lawsuits.               regularly transacts business for profit, in      business is not operational.
                                                      the state, under a fictitious name to register      "Key Man" – If you (and/or any other
Subchapter “S” Corporation                            that business name with the Secretary of
  Subchapter “S” references a special part                                                             individual) are so critical to the operation of
                                                      State’s office. For a sole proprietorship or     your business that it cannot continue in the
of the Internal Revenue Code that permits a
corporation to be taxed as a partnership or           partnership, a business name is generally        event of your illness or death, you should
sole proprietorship, with profits taxed at            considered fictitious unless it contains the     consider "key man" insurance. This type of
the individual, rather than the corporate             full name (first and last) of the owner or all   policy is frequently required by banks or
rate. A business must meet certain                    of the general partners and does not             government loan programs. It also can be
requirements for Subchapter “S” status.               suggest additional owners and will make it       used to provide continuity in operations
Contact the IRS for more information.                 necessary for the business to file and           during a period of ownership transition
                                                      publish the fictitious business name on          caused by the death, incapacitation or
LLCs and LLPs                                         company letterhead, business cards, in           absence due to a Title 10 military activation
   The limited liability company is a                 advertising, or on its products.                 of an owner or other "key" employee.
relatively new business form. It combines                                                                 Automobile – It is obvious that a vehicle
selected corporate and partnership
characteristics while still maintaining status        BUSINESS INSURANCE                               owned by your business should be insured
                                                                                                       for both liability and replacement
as a legal entity distinct from its owners. As          Like home insurance, business insurance        purposes. What is less obvious is that you
a separate entity it can acquire assets, incur        protects the contents of your business           may need special insurance (called "non-
liabilities and conduct business. It limits           against fire, theft and other losses. Contact    owned automobile coverage") if you use
liability for the owners. LLC owners risk             your insurance agent or broker. It is            your personal vehicle on company
only their investment, not personal assets.           prudent for any business to purchase a           business. This policy covers the business'
The limited liability partnership is similar          number of basic types of insurance. Some
to the LLC, but it is for professional                                                                 liability for any damage which may result
                                                      types of coverage are required by law, other     for such usage.
organizations.                                        simply make good business sense. The                Officer and Director – Under most state
                                                      types of insurance listed below are among        laws, officers and directors of a corporation
                                                      the most commonly used and are merely a

Visit us online:                                                                                   MISSOURI Small Business Resource —   13
may become personally liable for their           department, the department then                     The Kansas Department of Revenue has
actions on behalf of the company. This type      distributes the local sales taxes remitted by    the Taxpayer Assistance Bureau which
of policy covers this liability.                 the sellers to the cities, counties and          provides free assistance to new businesses
  Home Office – If you are establishing an       districts. (Missouri Dept. of Revenue            regarding taxes, rules and required forms.
office in your home, it is a good idea to business/)                   Seminars are held on a regular basis
contact your homeowners' insurance                    Kansas imposes a 5.3% state retailers’
                                                                                                  through the state on sales tax, withholding
company to update your policy to include         sales tax, plus applicable local taxes on the:
coverage for office equipment. This                • Retail sale, rental or lease of tangible     tax and other business topics. One-on-one
coverage is not automatically included in a          personal property;                           counseling      on     form    preparation,
standard homeowner's policy.                       • Labor services to install, apply, repair,    requirements and general business tax
                                                     service, alter, or maintain tangible         issues is also available.
                                                     personal property, and                       Taxpayer Assistance Bureau
EMPLOYER IDENTIFICATION                            • Admissions        to      entertainment,         Docking State Office Bldg.
                                                     amusement, or recreation places in               915 S.W. Harrison St.
NUMBER                                               Kansas.                                          Topeka, KS 66625
   An EIN, Form SS-4, also known as a              Cities and counties in Kansas may also             785-368-8222
federal tax identification number, is used to    levy a local sales tax. Each retailer reports
                                                 and remits the total of the state and local
identify a business entity. Generally all
businesses need an EIN. You may apply for        retailers’ sales tax collected to the            SALES TAX EXEMPTION
an EIN in a variety of ways, including           Department of Revenue. (Kansas Dept. of
                                                 Revenue )
online, phone, fax. Taxpayers can obtain an                                                          If you plan to sell products, you will
EIN immediately by calling 800-829-4933,                                                          need a Sales Tax Exemption Certificate. It
Monday through Friday, from 7:30 a.m. to         FEDERAL                                          allows you to purchase inventory, or
5:30 p.m. customer's local time.                                                                  materials, which will become part of the
   Taxpayers can fax EIN requests seven          SELF-EMPLOYMENT TAX                              product you sell, from suppliers without
days a week/24 hours a day by dialing the          Everyone must pay Social Security and
                                                                                                  paying taxes. It requires you to charge sales
fax number to one of three IRS campuses          Medicare coverage. If you are self-
                                                 employed, your contributions are made            tax to your customers, which you are
that accept applications. The instructions
                                                 through the self-employment tax.                 responsible for remitting to the state. You
on the newly revised Form SS-4,
Application for Employer ID Number,                The IRS has publications, counselors and       will have to pay penalties if it is found that
indicate which IRS Campus is assigned to         workshops available to help you sort it out.     you should have been taxing your products
their specific state. Detailed information       For more information, contact the IRS at         and now owe back taxes to the state. For
and an electronic SS-4 can be found at the       800-829-4933.                                    information on sales tax issues, contact
IRS Small Business/Self Employed                                                                  your state’s government.
Community Web site at:        Business Tax Information
                                                   If you plan to hire employees you are also
/businesses/small/index. html, click on New
Businesses. Faxed applications are               required to obtain a Federal Employee            FEDERAL INCOME TAX
                                                 Identification Number from the IRS. To             Like the state income tax, the method of
processed in four days. The IRS Campus'
                                                 obtain the registration form and reference       paying federal income taxes depends upon
accepting faxed applications are:
                                                 documents, contact the IRS at 800-829-4933       your legal form of business. The following
  Holtsville, NY               631-447-8960      or visit their website:
  Cincinnati, OH               859-669-5760                                                       procedures must be considered:
                                                 businesses/small/index.html for complete           Sole Proprietorship: You must file IRS
  Philadelphia, PA             215-516-3990      information.
  EINs are also issued automatically             KANSAS                                           Federal Form Schedule C along with your
online. Visit the IRS Web site,                      120 S.E. Sixth Ave.                          personal Federal Income Tax return (Form,       Topeka, KS 66603                             1040) and any other applicable forms
                                                     785-235-3053                                 pertaining to gains or losses in your
,id=102767,00.html for more information.
                                                                                                  business activity.
                                                     5799 Broadmoor
                                                                                                    Partnership: You must file a Federal
Sales Tax Certificate of Authority                   Mission, KS 66202
                                                     816-966-2840                                 Partnership return (Form 1065). This is
   Sales tax is imposed on retail sales of
                                                                                                  merely informational to show gross and net
tangible personal property and certain
services. All sales of tangible personal
                                                     271 W. Third St. N.                          earnings of profit and loss. Also, each
                                                     Wichita, KS 67202                            partner must report his share of
property and taxable services are generally          316-352-7401
presumed taxable unless specifically                                                              partnership earnings on his individual
exempted by law. Persons making retail           MISSOURI                                         Form 1040 based on the information from
sales collect the sales tax from the purchaser       5800 E. Bannister Rd.                        the K-1 filed with the Form 1065.
and remit the tax to the Department of               Kansas City, MO 64134                          Corporation: You must file a Federal
Revenue. The state sales tax for Missouri is         816-966-2840                                 Corporation Income Tax return (Form
4.225%. Cities, counties and certain districts                                                    1120). You will also be required to report
may also impose local sales taxes as well, so        201 S. 8th St.
                                                                                                  your earnings from the corporation
the amount of tax sellers collect from the           St. Joseph, MO 64501
                                                     816-966-2840                                 including salary and other income such as
purchaser depends on the combined state
and local rate at the location of the seller.                                                     dividends on your personal federal income
The state and local sales taxes are remitted         3333 S. National Ave.                        tax return (Form 1040).
                                                     Springfield, MO 65807
together to the Department of Revenue.
Once the seller remits sales tax to the

14 — Small Business Resource   MISSOURI                                                                                  Visit us online:
FEDERAL PAYROLL TAX                              e-News for Small Businesses
                                                    To learn about other IRS products and
                                                                                                EMPLOYEE CONSIDERATIONS
   Federal Withholding Tax: Any business         services, and to keep up with the latest IRS   Taxes
employing a person must register with the        announcements for small businesses, start a       If you have any employees, including
IRS and acquire an EIN and pay federal           free subscription to e-News for Small          officers of a corporation but not the sole
withholding tax at least quarterly. File Form    Businesses; just go to at              proprietor or partners, you must make
SS-4 with IRS to obtain number and        periodic payments of, and/or file quarterly
required tax forms. Call 800-829-3676 or         0,,id=154826,00.html, type in your e-mail      reports about payroll taxes and other
800-829-1040 if you have questions.              address and submit.                            mandatory deductions. You may contact
                                                                                                these government agencies for information,
IRS WEB PRODUCTS FOR                                                                            assistance and forms.
                                                                                                Social Security Administration
SMALL BUSINESSES                                 SOCIAL SECURITY CARDS                             800-772-1213
                                                    All employees must have a social     
  To provide the most timely and up-to-
                                                 security card. It must be signed by its
date tax information, the Small Business
                                                 owner, and you should always ask to see        Social Security’s Business Services
Resource Guide (SBRG), formerly a CD-
                                                 and personally record the social security      Online
ROM, is available exclusively online at
                                                 number. Failure to do so may cause your,                                                   The Social Security Administration now
                                                 employee to lose benefits and considerable
,id=155439,00.html.                                                                             provides free electronic services online at
                                                 trouble for yourself in back tracking to
   Designed to equip small business                                                    Once
                                                 uncover the error.
owners with the skills and knowledge                                                            registered for Business Services Online,
                                                    Each pay day, your employees must
needed to successfully start and manage a                                                       business owners or their authorized
                                                 receive a statement from you telling them
business, IRS has ensured the SBRG 2009
                                                 what deductions were made and how              representative can:
Web site offers the same quality of
                                                 many dollars were taken out for each legal       • file W-2s online; and
information the SBRG CD was known for,
                                                 purpose. This can be on the check as a           • verify Social Security Numbers through
covering a wide range of tax topics, Web                                                            the Social Security Number Verification
                                                 detachable portion or in the form of an
links to business forms, publications, other                                                        Service, used for all employees prior to
                                                 envelope with the items printed and spaces
useful governmental Web sites, and much                                                             preparing and submitting Forms W-2.
                                                 for dollar deductions to be filled in.

  A new page at
on features video and audio
presentations on a variety of topics for
small businesses and self-employed
taxpayers, highlighted by an audio podcast
reenactment of the May 2008 IRS National
Phone Forum for first-time Schedule C
filers. Also included are:
  • Adjusting Employment Taxes: New for
  • Backup Withholding for Form 1099-MISC
  • Bartering Income
  • Choosing a Tax Preparer
  • Employer Identification Numbers
  • Small Business Tax Workshops
  • Schedule C: Who needs to file and how to
    do it
  In addition to these video and audio
presentations, please visit the Small
Business/Self-Employed Virtual Small
Business      Tax     Workshop      at,
,id=200274,00.html for instructional
Self-Employed Individuals Tax Center
   Small businesses and the self-employed
will also find information and resources in
the Self-Employed Individuals Tax Center

Visit us online:                                                                           MISSOURI Small Business Resource —   15
Federal Withholding                              and Immigration Services Office of               to help you meet these requirements. For
    U.S. Internal Revenue Service                Business Liaison offers a selection of           information, visit For
    800-829-1040                                 information bulletins and live assistance        additional questions, contact:                                                                            GS1 US
                                                 through the Employer Hotline. For forms
                                                 call 800-870-3676, for the Employer Hotline         7887 Washington Village Dr., Ste. 300
Employee Insurance                                                                                   Dayton, OH 45459-8605
                                                 call 800-357-2099.
  If you hire employees you may be                                                                   937-435-3870
required to provide unemployment or
workers’ compensation insurance.                 SAFETY & HEALTH                                  Federal Registration of Trademarks
Kansas Department of Human Services                                                               and Copyrights
    Division of Employment Security              REGULATIONS                                        Trademarks or service markets are
    401 S.W. Topeka Blvd.                          All businesses with employees are              words, phrases, symbols, designs or
    Topeka, KS 66603-3182                        required to comply with state and federal
    913-286-5000                                                                                  combinations that identify and distinguish
                                                 regulations regarding the protection of          the source of goods. Trademarks may be
Missouri Division of Employment Security         employees. The Occupational Safety and           registered at both the state and federal
    421 E. Dunklin St./P.O. Box 59               Health Administration outlines specific          level. To register a federal trademark,
    Jefferson City, MO 64106                     health and safety standards adopted by the       contact:
    573-751-3215                                 U.S. Department of Labor.                        Patent and Trademark Office:
                                                   Use of hazardous substances in                    P.O. Box 1450
Workers Compensation                             businesses is highly regulated and there are        Alexandria, VA 22313-1450
   Kansas law requires all employers in the      heavy fines for non-compliance.                     800-786-9199
state who have, or expect to have, a gross       Federal Occupational Safety               
annual payroll of $20,000 in a calendar year     & Health Administration
                                                     Department of Labor                          Trademark Information Hotline
to    ensure    payment       of    workers                                                          703-308-9000
                                                     820 First St. N.E.
compensation benefits for employees                  Washington, DC 20020
injured on the job. The law exempts                  202-693-5000                                 State Registration of a Trademark
agricultural pursuits and also wages paid                                                         Trademarks and service marks may be
to the employer and family members in            Kansas Department of Health and                  registered in a state.
determining the $20,000 threshold.               Environment
                                                     Forbes Field, Bldg. 740                      Caution: Federally registered trademarks
Kansas Department of Human Resources                                                              may conflict with and supersede state
    Division of Workers Compensation                 Topeka, KS 66620
    800 S.W. Jackson, Ste. 600                       785-296-1535                                 registered business and product names.
    Topeka, KS 66612-1227
    785-296-2996                                      Small business owners will be directed      Patents
                                                 to the nearest District Office for assistance.     A patent is the grant of a property right
   Missouri law requires businesses with         Missouri Department of Natural                   to the inventor by the U.S. Patent and
                                                 Resources                                        Trademark Office. It provides the owner
five or more employees (except agricultural
                                                     Division of Environmental Quality
or domestic labor) to provide workers                P.O. Box 176                                 with the right to exclude others from
compensation insurance to protect their              Jefferson City, MO 65102                     making, using, offering for sale or selling
workers in case of job related injury, illness       800-334-6946                                 the patented item in the United States.
or death. As in most states, the premium                                                            Additional information is provided in
rates apply to an employee’s total annual
                                                 BUILDING CODES, PERMITS                          the publications, General Information
                                                                                                  Concerning Patents and other publications
Missouri Department of Labor                     AND ZONING                                       distributed through the U.S. Patent and
    Division of Workers Compensation                It is important to consider zoning            Trademark Office. For more information,
    3315 W. Truman Blvd., Rm. 131/P.O. Box 58    regulations when choosing a site for your        contact the:
    Jefferson City, MO 65102-0058
                                                 business. You may not be permitted to            U.S. Patent and Trademark Office
                                                 conduct business out of your home or                800-786-9199 •
                                                 engage in industrial activity in a retail
WORKPLACE PROGRAM                                district. Contact the business license office    Copyrights
   Americans with Disabilities (ADA): For        in the city or town where the business is           Copyrights protect original works of
assistance with the ADA, call 800-669-3362       located.                                         authorship including literary, dramatic,
or visit:                                                                     musical and artistic, and certain other
                                                 BAR CODING                                       intellectual works. Copyright does not
                                                                                                  protect facts, ideas and systems, although it
U.S. CITIZENSHIP AND                                GS1 US™ (not a government agency)
                                                                                                  may protect the way these things are
                                                 provides a unique company number to
IMMIGRATION SERVICES                             create bar codes (including UPCs) for your
                                                                                                  expressed. For general information contact:
  The Federal Immigration Reform and                                                              U.S. Copyright Office
                                                 products. Many stores require bar coding            U.S. Library of Congress
Control Act of 1986 requires employers to        on packaged products. Many industrial               James Madison Memorial Building
verify employment eligibility of new             and manufacturing companies use bar                 Washington, DC 20559
employees. The law obligates an employer         coding to identify items they receive and           202-707-9100 - Order Line
to process Employment Eligibility                                                                    202-707-3000 - Information Line
                                                 ship. GS1 US, formerly the Uniform Code
Verification Form I-9. The U.S. Citizenship                                                
                                                 Council, Inc., provides tools and assistance

16 — Small Business Resource   MISSOURI                                                                                Visit us online:

                        GettinG approved
                                  Financing Options to Start or Grow Your Business
                                                                                                       criteria to accommodate a wide range of
                                                                                                       financing needs.
                                                                                                           The business loans that SBA guarantees
                                                                                                       do not come from the agency, but rather
                                                                                                       from banks and other approved lenders.
                                                                                                       The loans are funded by these
                                                                                                       organizations and they make the decisions
                                                                                                       to approve or not approve the applicants’
                                                                                                           The SBA guaranty reduces the lender’s
                                                                                                       risk of borrower non-payment. If the
                                                                                                       borrower defaults, the lender can request
                                                                                                       SBA to pay the lender that percentage of the
                                                                                                       outstanding balance guaranteed by SBA.
                                                                                                       This allows the lender to recover a portion
                                                                                                       from SBA of what it lent if the borrower
                                                                                                       can’t make the payments. The borrower is
                                                                                                       still obligated for the full amount.
   The American Recovery and Reinvestment Act       business loan programs to see if they may
   may affect some SBA loan guarantee programs.                                                            To qualify for an SBA guaranty, a small
                                                    be a viable option. The three principal
   For the latest information, see your local SBA                                                      business must meet the lender’s criteria
                                                    players in most of these programs are —
   district office or                                                                     and the 7(a) requirements. In addition the
                                                    the applicant small business, the lender and
                                                                                                       lender must certify that it would not
                                                    the SBA. SBA guarantees a portion of the

                   any entrepreneurs need                                                              provide this loan under the proposed terms
                   financial resources to           loan (except for MicroLoans). The business         and conditions unless it can obtain an SBA
                   start or expand a small          should have its business plan prepared             guaranty. If the SBA is going to provide a
                   business themselves              before it applies for a loan. This plan            lender with a guaranty, the applicant must
                   and must combine                 should explain what resources will be              be eligible, creditworthy and the loan
what they have with other sources of                needed to accomplish the desired business          structured under conditions acceptable to
financing. These sources can include                purpose including the cost of everything,          SBA.
family and friends, venture-capital                 the applicants’ contribution, use of loan
                                                    proceeds, collateral, and most important,
financing, and business loans.
   This section of the Small Business               an explanation of how the business will be         PERCENTAGE OF GUARANTIES
Resource guide discusses SBA’s primary              able to repay the loan in a timely manner.         AND LOAN MAXIMUMS
business loan and equity financing                     The lender will analyze the application            The SBA only guarantees a portion of
programs. These are: the 7(a) Loan                  to see if it meets the lender’s criteria as well   any particular loan so each loan will also
Program, the Certified Development                  as SBA’s requirements. SBA will look to the        have an unguaranteed portion giving the
Company or 504 Loan Program, the                    lender to do much, if not all, of the analysis     lender a certain amount of exposure and
MicroLoan Program and the Small                     before it provides its guaranty on the             risk on each loan. The percentage SBA
Business Investment Company Program.                lender’s loan or provides the microlenders         guarantees depends on either the dollar
The distinguishing features for these               with funds to re-lend to the business. The         amount or the program the lender uses to
programs are the total dollar amounts that          SBA’s business loan programs provide a             obtain its guaranty. For loans of $150,000 or
can be borrowed, the type of lenders who            key source of financing for viable small           less the SBA will guaranty as much as 85
can provide these loans, the uses for the           businesses that have real potential, but           percent and for loans over $150,000 the SBA
loan proceeds, and the terms placed on the          cannot qualify for loans on their own.             can provide a guaranty of up to 75 percent.
borrower.                                                                                              (NOTE: These percentages may be
   Note: The SBA does not offer grants to           7(A) LOAN PROGRAM                                  temporarily increased up to 90 percent as
                                                                                                       part of the American Recovery and
individual business owners to start or                 The 7(a) Loan Program is the SBA’s
grow a business. The only grants the SBA                                                               Reinvestment Act of 2009. Check with
                                                    primary business loan program. It is the
is authorized to provide are for entities to                                                           your local SBA district office for more
                                                    agency’s most used non-disaster financial
provide businesses management techni-                                                                  information.)
                                                    assistance program because of its flexibility
cal assistance to other businesses.                                                                       The maximum loan amount is $2 million
                                                    in loan structure, variety of loan proceeds
                                                                                                       and the maximum guaranty amount to any
   When you seek a business loan,                   uses, and availability. This program has
                                                                                                       one business (including affiliates) is $1.5
familiarize yourself with the SBA’s                 broad eligibility requirements and credit
                                                                                                       million. The one exception is when a

Visit us online:                                                                                  MISSOURI Small Business Resource —   17
business needs both working capital and         useful life of the assets financed. However,        then select “Size Standards” from the
fixed assets to promote exporting in which      maximum loan maturities have been                   “Contracting Opportunities” menu in the
case the SBA can provide a maximum              established: 25 years for real estate; up to 10     right hand column.
guaranty of $1.75 million.                      years for equipment (depending on the
   Loans made under the SBAExpress              useful life of the equipment); and generally        SBA Size Standards:
program, which is discussed subsequently,                                                             • Manufacturing from 500 to no more than
                                                up to seven years for working capital.
                                                                                                        1,500 employees
have a 50 percent guaranty.                     Short-term loans and revolving lines of               • Wholesaling — No more than 100
                                                credit are also available through the SBA to            employees
                                                help small businesses meet their short-term           • Services from $4.5 million to no more
INTEREST RATES AND FEES                         and cyclical working capital needs.                     than $33.5 million in average annual
   The actual interest rate for a loan                                                                  receipts
guaranteed by SBA is negotiated between         STRUCTURE                                             • Retailing from $7 million to no more than
                                                                                                        $29.5 million
the applicant and lender and subject to SBA         Most loans are repaid with monthly                • General construction from $7 million to
maximums. Both fixed and variable               payments of principal and interest. For                 no more than $33.5 million
interest rate structures are available. The     fixed-rate loans the payments stay the same           • Agriculture from $750,000 to no more
maximum rate is comprised of two parts, a                                                               than $17.5 million in average annual
                                                whereas for variable rate loans the lender
base rate and an allowable spread. There                                                                receipts
                                                can re-establish the payment amount when
are three acceptable base rates (Wall Street
                                                the interest rates change or at other
Journal Prime, London Interbank One                                                                 Nature of Business
Month Prime plus 3 percent, and an SBA          intervals as negotiated with the borrower.
                                                                                                       The second eligibility factor is based on
Peg Rate). Lenders are allowed to add an        Applicants can request that the lender
                                                                                                    the nature of the business and the process
additional spread to the base rate to arrive    establish the loan with interest-only
                                                                                                    by which it generates income or the
at the final rate. For loans with maturities    payments during the start-up and
                                                                                                    customers it serves. The SBA has general
of less than seven years the maximum            expansion phases (when eligible) to allow
                                                                                                    prohibitions against providing financial
spread will be no more than 2.25 percent.       the business time to generate income before
                                                                                                    assistance to businesses involved in such
For loans with maturities of seven years or     it starts making full loan payments. There
                                                                                                    activities as lending, speculating, passive
more the maximum spread will be 2.75            are no balloon payments or call provisions
                                                                                                    investment, pyramid sales, loan packaging,
percent. Loans under $50,000 and loans          allowed on any 7(a) loan. The lender may
processed through Express procedures are                                                            presenting live performances of a prurient
                                                not charge a prepayment penalty if the loan
permitted to be higher.                                                                             sexual nature, businesses involved in
                                                is paid off before maturity, but the SBA will
   Loans guaranteed by SBA are assessed a                                                           gambling and any illegal activity.
                                                charge the borrower a prepayment fee if the
guaranty fee. This fee is based on the loan’s                                                          The SBA will also not support non-profit
                                                loan has a maturity of 15 or more years and
maturity and the dollar amount                                                                      businesses, private clubs that limit
                                                is pre-paid during the first three years.
guaranteed, not the total loan amount, and                                                          membership on a basis other than capacity,
the loan’s maturity. The guaranty fee is                                                            businesses that promote a religion,
generally paid by the borrower and can be       COLLATERAL                                          businesses owned by individuals
included in the loan proceeds.                     The SBA expects every loan to be fully           incarcerated or on probation or parole,
   On any loan with a maturity of one year      secured, but, the SBA will not decline a            municipalities, and situations where the
or less, the fee is just 0.25 percent of the    request to guaranty a loan if the only              business or its owners previously failed to
guaranteed portion of the loan. On loans        unfavorable factor is insufficient collateral,      repay a federal loan or federally assisted
with maturities of more than one year, the                                                          financing.
                                                provided all available collateral is offered.
normal guaranty fee is 2 percent of the SBA
                                                What these two policies mean is that every
guaranteed portion on loans up to $150,000;                                                         Use of Proceeds
                                                SBA loan is to be secured by all available
3 percent on loans over $150,000 but not                                                              The third eligibility factor is usage of
more than $700,000; and 3.5 percent on          assets (both business and personal) until
                                                the recovery value equals the loan amount           proceeds. 7(a) proceeds can be used to:
loans over $700,000. There is also an
                                                or until all assets have been pledged to the        purchase machinery, equipment, fixtures,
additional fee of 0.25 percent on any
                                                extent that they are reasonably available, to       supplies, leasehold improvements, as well
guaranteed portion over $1 million. * All
references to the prime rate refer to the       adequately secure the loan. Personal                as land and/or buildings that will be
lowest prime rate as published in the Wall      guaranties are required from all the                occupied by the business borrower.
Street Journal on the day the application       principal owners of the business. Liens on          Proceeds can also be used to:
is received by the SBA.                         personal assets of the principals may be              • Expand or renovate facilities;
   (Note: These fees will be temporarily        required.                                             • Finance receivables and augment
                                                                                                        working capital;
lowered for some loans as part of the
                                                                                                      • Finance seasonal lines of credit;
American Recovery and Reinvestment
                                                ELIGIBILITY                                           • Construct commercial buildings; and
                                                                                                      • Refinance existing debt under certain
                                                   7(a) loan eligibility is based on four               conditions.
7(A) LOAN MATURITIES                            different factors. The first is size, as all loan
                                                recipients must be classified as “small” by
                                                                                                       7(a) loan proceeds cannot be used (except
   SBA loan programs are generally                                                                  for compensation for services rendered) for
                                                SBA. The basic size standards are outlined          floor plan financing or to have funds for the
intended to encourage longer term small         below. A more in-depth listing of standards
business financing, but actual loan                                                                 purpose of making investments. They also
                                                can be found at:                cannot be used to provide perks to an
maturities are based on the ability to repay,   services/contractingopportunities/index.html
the purpose of the loan proceeds and the                                                            owner of the business.

18 — Small Business Resource   MISSOURI                                                                                  Visit us online:
Miscellaneous Factors                          WHAT TO TAKE TO THE                            HOW THE 7(A) PROGRAM
   The fourth factor involves a variety of
requirements such as SBA’s credit              LENDER                                         WORKS
elsewhere test and utilization of personal       Documentation requirements may vary;            Applicants submit their loan application
assets requirements where the business and     contact your lender for the information you    to a lender for the initial review. The lender
its principal owners must use their own        must supply.                                   will generally review the credit merits of
resources before getting a loan guaranteed     Common requirements include the                the request before deciding if they will
by SBA. It also includes SBA’s anti-           following:                                     make the loan themselves or if they will
discrimination rules and prohibitions on         • Purpose of the loan.                       need an SBA guaranty. If a guaranty is
lending to agricultural enterprises because      • History of the business.                   needed, the lender will also review
                                                 • Financial statements for three years       eligibility, and the applicant should be
there are other agencies of the federal
                                                   (existing businesses).                     prepared to complete some additional
government with programs to fund such            • Schedule of term debts (existing
businesses.                                                                                   documents before the lender sends its
   Generally, SBA loans must meet the            • Aging of accounts receivable and           request for guaranty to the SBA.
following:                                         payable (existing businesses).                There are five different ways a lender can
  • Every loan must be for a sound business      • Projected opening-day balance sheet        apply for a 7(a) guaranty from SBA. The
    purpose;                                       (new businesses).                          main differences between these methods
  • There must be sufficient invested equity     • Lease details.                             are related to the documentation which the
    in the business so it can operate on a       • Amount of investment in the business by    lender provides, the amount of review
    sound financial basis;                         the owner(s).                              which SBA conducts, the amount of the
  • There must be a potential for long-term      • Projections of income, expenses and cash
                                                                                              loan and the lender responsibilities in case
    success;                                       flow as well as the assumptions.
                                                 • Personal financial statements on the       the loan defaults and the business’ assets
  • The owners must be of good character
    and reputation; and                            principal owners.                          must be liquidated. The five methods are:
  • All loans must be so sound as to             • Resume(s) of the principal owners and        •   Standard 7(a) Guaranty participants,
    reasonably assure repayment.                   managers.                                    •   Certified Lender Program participants
                                                                                                •   Preferred Lender Program participants
   For SBA’s eligibility requirements check:                                                    •   SBA Express, and Community Express then select                                                            participants.
“Loan Eligibility” from the “Financial                                                         For the Standard, Certified and Preferred
Assistance” list along the bottom.                                                            methods, the applicant fills out SBA Form

Visit us online:                                                                          MISSOURI Small Business Resource —   19
4, and the lender completes SBA Form 4-1.         under $25,000 do not require collateral.       Capital City Bank
When requests for guarantees are                  Like most 7(a) loans, maturities are usually      3710 S.W. Popeka Blvd.
processed using Express methods, the              five to seven years for working capital and       Topeka, KS 66609
applicant uses more of the regular forms of                                                         785-274-5600
                                                  up to 25 years for real estate or equipment.
the lender and just has a few federal forms       Revolving lines of credit are allowed for a    Central National Bank
to complete. When SBA receives a request          maximum of seven years. For a list of             711 Wakarusa Dr.
that is processed through Standard or CLP         lenders in your area, contact your local SBA      Lawrence, KS 66049
procedures, it either reanalyzes or reviews       office available at:                              785-841-3600
the lender’s eligibility and credit analysis
before deciding to approve or reject. For         SBAExpress Lenders                             Citizens Bank & Trust Co.
requests      processed     through     PLP,                                                        1103 S. 169 Hwy.
                                                  1st Financial Bank                                Smithville, MO 64089
Community Express and SBA Express                                                                   816-532-8800
procedures, lenders are permitted to make            11120 W. 135th St.
                                                     Overland Park, KS 66221
SBA-guaranteed loans without SBA’s credit                                                        Citizens National Bank
approval of the borrower.                                                                           601 Delaware
   In guaranteeing the loan, the SBA assures      Adams Dairy Bank                                  Leavenworth, KS 66048
the lender that, in the event the borrower           651 N.E. Coronado Dr.                          913-651-3266
does not repay the loan, the government              Blue Springs, MO 64014
                                                     816-655-3333                                Commerce Bank, N.A.
will reimburse the lending institution for a                                                        1000 Walnut/P.O. Box 419248
portion of its loss. By providing this                                                              Kansas City, MO 64141
                                                  Arvest Bank
guaranty, the SBA is able to help tens of                                                           816-234-7388
                                                     4500 Garnett, Ste. 626
thousands of small businesses every year             Tulsa, OK 74146
get financing they might not otherwise               918-631-6803                                Communnity First National Bank
obtain.                                                                                             215 S. Seth Child Rd.
   After SBA approval, the lender is notified     Bank Midwest, N.A.                                Manhattan, KS 66502
                                                     3500 Rainbow Blvd.                             785-323-1111
that its loan has been guaranteed. The
lender then will work with the applicant to          Kansas, KS 66103
                                                     913-236-4481                                Community National Bank
make sure the terms and conditions are met                                                          5431 S.W. 29th St.
before closing the loan, disbursing the           Bank Northwest                                    Topeka, KS 66614
funds, and assuming responsibility for               201 S. Davis/P.O. Box 337                      785-440-4400
collection and general servicing. The                Hamilton, MO 64644
borrower makes monthly loan payments                 816-583-2154                                Community National Bank
                                                                                                    4097 Parkview Dr.
directly to the lender. As with any loan, the
                                                  Bank of America                                   Frontenac, KS 66763
borrower is responsible for repaying the                                                            620-232-6900
full amount of the loan in a timely manner.          10850 White Rock Rd.
                                                     Rancho Cordova, CA 95670
                                                     800-263-2055                                Community State Bank
What the SBA Looks for:                                                                             1414 S. 11th St./P.O. Box 219
  • Ability to repay the loan on time from the    Bank of Blue Valley                               Coffeyville, KS 67337
    projected operating cash flow.                   11935 Riley/P.O. Box 26128                     620-251-1313
  • Owners and operators who are of good             Overland Park, KS 6625
    character.                                       913-338-1000                                Condon National Bank
  • Feasible business plan.                                                                         815 Walnut/P.O. Box 937
  • Management expertise and commitment           Bank of the Prairie                               Coffeyville, KS 67337
    necessary for success.                           8675 W. 151st                                  620-251-5500
  • Sufficient funds, including the SBA              Olathe, KS 66062
    guaranteed loan, to operate the business         913-254-0505                                Corefirst Bank & Trust
    on a sound financial basis (for new                                                             3035 S. Topeka
    businesses, this includes the resources to    Bank of the West                                  Topeka, KS 66611
    meet start-up expenses and the initial           1400 River Park Dr.                            785-267-0123
    operating phase).                                Sacramento, CA 95815
  • Adequate equity invested in the business.        916-563-2958                                Cornerstone Bank
  • Sufficient collateral to secure the loan or                                                     9120 W. 135th St.
    all available collateral if the loan cannot   Boeing Wichita Credit Union                       Overland Park, KS 66221
    be fully secured.                                4821 S. 6th St., Ste. B                        913-239-8100
                                                     Lawrence, KS 66049
                                                     785-856-7878                                Country Club Bank
SBAEXPRESS                                                                                          414 Nichols Rd.
                                                  Branch Banking & Trust Co.                        Kansas City, MO 64112
   SBAExpress is available to lenders as a
                                                     5901 C. Peachtre Dunwoody #420                 816-931-4060
way to obtain a guaranty on smaller loans
                                                     Atlanta, GA 30328
up to $350,000. The program authorizes                                                           County Bank
selected experienced lenders to use mostly                                                          116 W. Broadway/P.O. Box 100
their own forms, analysis and procedures          Brotherhood Bank & Trust Co.                      Bruswick, MO 65236
to process, service and liquidate SBA-               7499 Quivira Rd.                               660-548-3137
guaranteed loans. The SBA guarantees up              Shawnee, KS 66216
to 50 percent of an SBAExpress loan. Loans           913-321-4242

20 — Small Business Resource   MISSOURI                                                                                  Visit us online:
Douglas County Bank                   Great Western Bank                         Merchants & Farmers Bank
     300 W. 9th St./P.O. Box 429         0610 Shawnee Mission                       1001 Club Village Dr.
     Lawrence, KS 66044                  Shawnee, KS 66203                          Columbia, MO 65203
     785-865-1000                        913-901-5102                               573-875-5442

Emprise Bank                          Hawthorn Bank                              Metcalf Bank
     257 N. Broadway                     132 E. High St.                            909 S. 7 Hwy.
     Wichita, KS 67202                   Jefferson City, MO 65101                   Blue Springs, MO 64014
     785-624-6530                        573-761-6249                               816-224-7232

ESB Financial                         INTRUST Bank, N.A.                         Mission Bank
     801 Merchant                        4000 Somerset                              5201 Johnson Dr.
     Emporia, KS 66801                   Prairie Village, KS 66208                  Mission, KS 66205
     620-342-3454                        913-385-8200                               913-831-2400

Farmers Bank & Trust, N.A.            Irwin Union Bank & Trust Co.               Missouri Bank & Trust
     14880 Metcalf                       333 Grandview Pkwy.                        1044 Main St. 462
     Overland Park, KS 66223             Traverse City, MI 49684                    Kansas City, MO 64105
     913-402-7257                        231-941-5694                               816-881-8200

Farmers State Bank                    Kansas State Bank                          Newtek Small Business Finance
     124 E. 3rd St.                      1010 W. Loop/P.O. Box 69                   7th Ave., 14th Fl.
     Cameron, MO 64429                   Manhattan, KS 66502                        New York, NY 10018
     816-632-6641                        913-587-4000                               866-639-1835

First Community Bank                  Kansas State Bank                          Nodaway Valley Bank
     301 S.E. Main                       236 N. Main                                1701 S. Belth Hwy./P.O. Box 7315
     Lee’s Summit, MO 64063              Ottawa, KS 66067                           Liberty, MO 64068
     816-554-7000                        785-242-3600                               816-364-5678

First Community Bank                  Kaw Valley Bank                            Peoples Bank
     715 Merchant St.                    1110 N. Kansas Ave.                        424 S. Main St.
     Emporia, KS 66801                   Topeka, KS 66608                           Ottawa, KS 66067
     620-343-9500                        785-232-6062                               785-242-2900

First National Bank of Kansas         Kearney Trust Company                      Platte Valley Bank of Missouri
     6201 College Blvd.                  P.O. Box 888                               2400 Prairie View Rd.
     Overland Park, KS 66211             Kearney, MO 64060                          Platte City, MO 64079
     913-266-9346                        816-628-6050                               816-858-5400

First National Bank/Johnson County    Labette Bank                               Pony Express Bank
     501 N. Mur-Len                      2121 Main                                  215 N. 291 Hwy.
     Olathe, KS 66062                    Parsons, KS 67357                          Liberty, MO 64068
     913-764-9495                        620-421-2265                               816-781-9200

First State Bank of Kansas City, KS   Landmark National Bank                     Pony Express Community Bank
     650 Kansas Ave.                     6100 S.W. 21st                             624 Felix St.
     Kansas City, KS 66105               Topeka, KS 66667                           St. Joseph, MO 64501
     913-371-1242                        785-273-3303                               816-671-2265

Freedom Bank                          Liberty Bank                               Premier Bank
     6640 W. 143rd St.                   4625 S. National                           15301 W. 87th St. Pkwy.
     Overland Park, KS 66223             Springfield, MO 65810                      Lenexa, KS 66219
     913-563-5660                        417-875-6763                               913-888-8490

Gardner National Bank                 Los Padres Bank (d/b/a/ Harrington Bank)   Regions Bank
     840 E. Main/P.O. Box 429            6300 Nall                                  565 Marriott Dr., Ste. 600
     Gardner, KS 66030                   Shawnee Mission, KS 66202                  Nashville, TN 37214
     913-856-7199                        913-261-2265                               615-744-6061

GE Company S.B. Finance               M&I Marshall & Ilsley Bank                 Royal Banks of Missouri
     7300 College Blvd., Ste. 208        770 N. Water St.                           8021 Olive Blvd.
     Overland Park, KS 66210             Milwaukee, WI 53202                        University City, MO 63130
     913-696-6200                        414-443-3303                               314-212-1500

Girard National Bank                  Mazuma Credit Union                        Security Savings Bank
     P.O. Box 67                         9300 Troost Ave.                           11599 Ridgeview
     Girard, KS 66743                    Kansas City, MO 64131                      Olathe, KS 66061
     620-724-8223                        816-361-4194                               913-894-5400

Visit us online:                                                            MISSOURI Small Business Resource —   21
Silver Lake Bank                                     Union Bank                                   Springfield Branch Express Lenders
    201 N.W. Hwy. 24                                    1150 N.E. Douglas Dr.
    Topeka, KS 66608                                    Lee’s Summit, MO 64086                    Arvest Bank
    877-232-0102                                        816-763-4400                                  701 S. Main
                                                                                                      Joplin, MO 64801
Solutions Bank                                       Union Bank & Trust                               417-627-8000
    7401 W. 135th St.                                   P.O. Box 397
    Overland Park, KS 66223                             Bonner Springs, KS 66012                  Bank of America, N.A.
    913-851-1000                                        913-667-8651                                  2940 S. Glenstone
Summit Bank of Kansas City                                                                            Springfield, MO 65806
                                                     United Bank of Kansas                            417-227-6118
    1650 N.E. Grand, Ste. 100
                                                        10101 Woodland Rd.
    Lee’s Summit, MO 64086
                                                        Lenexa, KS 66220                          Bank of Bolivar
                                                        913-254-7400                                  495 S. Springfield
Sunflower Bank, N.A.                                 University National Bank                         Bolivar, MO 65613
    2090 S. Ohio/P.O. Box 800                           1206 S. Broadway                              417-777-6500
    Salina, KS 67402                                    Pittsburg, KS 66762
    785-827-5564                                        620-231-4200                              Bank of Crocker
                                                                                                      Hwy. H
Third National Bank                                  UPS Capital Bus. Credit                          Waynesville, MO 65583
    301 W. Broadway                                     280 Trumbull St.                              573-774-6000
    Sedalia, MO 65302                                   Hartford, CT 06103
    660-827-3333                                        860-727-0700                              Bank of Mansfield
                                                                                                      110 E. Commercial
U.S. Bank/SBA Division                               Valley View State Bank                           Mansfield, MO 65704
    7500 College Blvd., Ste. 660/P.O. Box 351           7500 W. 95th St.                              417-924-3211
    Overland Park, KS 66210                             Overland Park, KS 66201
    888-722-3948                                        913-381-3311                              The Bank of Urbana
                                                                                                      109 N. Main
UMB Bank, N.A.                                       Wells Fargo SBA Lending                          Urbana, MO 65767
    1010 Grand Blvd.                                    10010 Regency C Cir., 2nd Fl.                 417-993-4242
    Kansas city, MO 64106                               Omaha, NE 68114
    816-860-7113                                        402-536-2680

           S T O R Y            Bartunek Technology Group, Inc.                                                                continued from page 5

    another economic downturn which resulted in     program and is a founding member of the The Bartunek Group has received numerous
    a flat IT market. To survive, BTG had to close  Women’s Capital Connection. “The breadth of accolades and awards:
    their St. Louis office and lay off employees.   support programs from SBA and women
    They moved from their Corporate Woods office    business owner support groups were not          • 2009 Most Influential Women of 2009 –
    park into a home office to survive.             available in my earlier years, or I didn’t know   Midwest CEO’s Magazine
                                                    about them,” said Jeri. “They would’ve been of  • 2008 Top Ten Small Business – Kansa
   The work culture at BTG is based on what they tremendous support to me.”                           City Greater Chamber of Commerce
   have titled “PEP,” an acronym for Profitability,                                                   Member of the Year – National
   Efficiency, and Productivity. This focus has To give back to the community, Jeri mentored a        Association of Women’s Business
   been the core in building long-term homeless student. “Much like me in my start                    Owner’s (NAWBO) – Kansas City
   relationships with corporations for nineteen up years was going it alone,” said Jeri. The          Chapter
   years. Jeri attributed her agency’s “PEP” in student is now a sophomore honor student at         • 2007 100 Fastest Growing Companies in
   helping them to prevail against competition, Drake University, Des Moines, Iowa. Jeri              Kansas City – Ingram’s Magazine
   and in the development of vital customer continues to contribute financially to the              • 2006 Team Builder Award – NAWBO
   loyalty.                                         student’s education and provides moral          • 2005 “25 under 25 Award” – Small
                                                    support.                                          Business Monthly
   Starting out with a very small client base, BTGs                                                 • 2004 Women Who Mean Business
   clients now include EDS, EADS Telecom North Jeri is also a member of several local and             Award – Kansas City Business Journal
   America, AT&T, Nortel, Sprint, Bank of national organizations that she contributes time            Kansas Women-Service Business of the
   America, Verizon, MasterCard and Burns and and money . “I believe in giving back to the            Year – State of Kansas
   McDonnell. Employees have worked on community, especially the small business
   prestigious projects including the United community which has been responsible for my BTG has been honored as an outstanding small
   Nations and the Department of Energy, business success and who I believe is the business and for dynamic leadership. The
   Department of Justice, Social Security foundation of our nation,” stated Jeri. Some of company is highly respected, continues to grow
   Administration, and Princeton University.        these organizations include Regnier Family and be profitable, and shows pride in all that
                                                    Foundation’s New Venture Challenge, UMKC they do.
   Jeri was a client of the University of Missouri Bloch School of Entrepreneurialism, Nelson
   Small Business and Technology Center Adkins Museum of Art, City of Kansas City,
   (SBTDC) where she received training, Missouri Ordinance Review Committee for
   counseling and participated in roundtables. Contracts for Construction, Women and
   She has also received support from the Kansas Minorities, etc.
   Women’s Business Center through the Fast Trac

22 — Small Business Resource   MISSOURI                                                                                    Visit us online:
Central Bank                               Guaranty Bank                 Village Bank
     101 W. Commercial                        1341 W. Battlefield            2360 E. Sunshine
     Lebanon, MO 65536                        Springfield, MO 65807          Springfield, MO 65808
     417-532-2151                             417-520-4333                   417-823-0400
Central Trust Bank                         The Greene County Bank        Wells Fargo Minnesota, N.A.
     P.O. Box 779                             306 E. Chestnut                10010 Regency C Cir., 2nd Fl.
     Jefferson City, MO 65102                 Strafford, MO 65757            Omaha, NE 68114
     573-634-1234                             417-736-2101                   612-667-2753
Citizens Bank of Rogersville               Hawthorn Bank
     9750 E. Center St.
     Rogersville, MO 65742
                                              P.O. Box 688
                                              Jefferson City, MO 65102
                                                                         PATRIOT EXPRESS
     417-753-2836                             573-761-6161                 The Patriot Express pilot loan initiative is
                                                                         for veterans and members of the military
Citizens National Bank of Springfield      Heritage State Bank           community wanting to establish or expand
     1465 E. Sunshine                         1625 Hedges Plaza          a small business. Eligible military
     Springfield, MO 65807                    Nevada, MO 64772
                                                                         community members include:
                                              417-667-7297                 • Veterans;
Comerica Bank                              Hometown Bank, N.A.             • Service-disabled veterans;
     500 Woodward Avenue, 1 Detroit Ctr.      312 W. Central               • Active-duty servicemembers eligible for
     Detroit, MI 48262                        Carthage, MO 64836             the military’s Transition Assistance
     408-556-5129                             417-358-0002                   Program;
                                                                           • Reservists and National Guard members;
Commerce Bank, N.A.                        Liberty Bank                    • Current spouses of any of the above,
     1345 E. Battlefield                      4625 S. National               including a servicemember;
     Springfield, MO 65804                    Springfield, MO 65810        • The widowed spouse of a servicemember
     417-837-5239                             417-875-5200                   or veteran who died during service or of
                                                                             a service-connected disability.
Community Bank of Ozarks                   Metropolitan National Bank
                                              600 S. Glenstone              The Patriot Express loan is offered by
     Hwys. 5 & F Rd.
                                              Springfield, MO 65804      SBA’s widest network of lenders
     Sunrise Beach, MO 65079
     573-374-5245                             417-862-2022               nationwide and features our fastest
                                                                         turnaround time for loan approvals. Loans
Countryside Bank                           Metz Banking Company          are available up to $500,000 and qualify for
     520 E. Elm                               123 N. Osage
                                              Nevada, MO 64772           SBA’s maximum guaranty of 85 percent for
     Republic, MO 65738                                                  loans of $150,000 or less and 75 percent for
     417-732-4600                             417-667-4550
                                                                         loans over $150,000 up to $500,000. For
Empire Bank                                Mid-Missouri Bank             loans above $350,000, lenders are required
     1800 S. Glenstone                        330 W. Plainview-K         to take all available collateral.
     Springfield, MO 65804                    Springfield, MO 65814
                                                                            The Patriot Express loan can be used for
     417-881-3100                                                        most business purposes, including start-up,
                                           Ozark Mountain Bank           expansion, equipment purchases, working
First Bank of the Lake                        400 S. Business 65
     4558 Hwy. 54                                                        capital, inventory or business-occupied
                                              Branson, MO 65616
     Osage Beach, MO 65065                                               real-estate purchases.
     573-348-2265                                                           Patriot Express loans feature SBA’s
                                           Regions Bank                  lowest interest rates for business loans,
First Community Bank                          2045 S. Glenstone          generally 2.25 percent to 4.75 percent over
     121 S. Commercial                        Springfield, MO 65804
     Branson, MO 65615                                                   prime depending upon the size and
                                              417-882-2222               maturity of the loan. Your local SBA district
                                           Southwest Missouri Bank       office will have a listing of Patriot Express
First National Bank                                                      lenders in your area. More information is
     105 W. 6th St.                           300 W. 3rd
     Mountain View, MO 65548                  Carthage, MO 64836         at:
     417-934-2033                             417-358-9331

Freedom Bank of Southern Missouri          The Seymour Bank              COMMUNITYEXPRESS PILOT
     97 S. Main
     Cassville, MO 65625
                                              119 N. Main
                                              Seymour, MO 65746          LOAN PROGRAM
     417-846-1719                             417-935-2293                  The CommunityExpress Pilot Loan
                                                                         Program provides streamlined business
First State Bank of Purdy                  UMB Bank, NA
                                              1150 E. Battlefield        financing and management and technical
     P.O. Box 729
                                              Springfield, MO 65808      assistance to small businesses located in
     Monett, MO 65708
     417-235-6100                             417-887-5855               distressed or underserved markets. The
                                                                         CommunityExpress program is offered
Great Southern Bank                        US Bank, NA                   through hundreds of selected SBA lenders
     14309 Hwy. 13                            417 St. Louis              throughout      the    nation.     Under
     Reeds Spring, MO 65737                   Springfield, MO 65806
                                                                         CommunityExpress, approved lenders may
     417-993-4242                             417-868-4400

Visit us online:                                                     MISSOURI Small Business Resource —   23
use streamlined and expedited loan review                for a new season. These also may have a        John Blum
and approval procedures to process SBA-                  maturity of up to five years. The                 Regional Manager,
guaranteed loans. These lenders may thus                 business may not have another seasonal            International Trade Programs
                                                         line of credit outstanding but may have           8235 Forsyth Blvd., Ste. 520
use, to the maximum extent possible, their
                                                         other lines for non-seasonal working              St, Louis, MO 63105
own loan analysis, loan procedures, and                  capital needs.                                    314-425-3304 • 314-425-3381 Fax
loan documentation to process SBA loans                • The Builders Line Program provides      
to $250,000. However, borrowers must                     financing for small contractors or
receive technical assistance to qualify for            developers to construct or rehabilitate
this program.                                            residential or commercial property. Loan       EXPORT WORKING CAPITAL
                                                         maturity is generally three years but can
                                                         be extended up to five years if necessary
SPECIAL PURPOSE 7(A) LOAN                                to facilitate sale of the property. Proceeds       The SBA’s Export Working Capital
                                                         are used solely for direct expenses of         Program assists lenders in meeting the
PROGRAMS                                                 acquisition, immediate construction            needs of exporters seeking short-term
   The 7(a) program is the most flexible of              and/or significant rehabilitation of the       export working capital. This program
SBA’s lending programs. The agency has                   residential or commercial structures. The
                                                                                                        enables U.S. exporters to obtain loans to
created several variations to the basic 7(a)             purchase of the land can be included if it
                                                         does not exceed 20 percent of the loan         fund their direct export costs. The EWCP
program to address the particular financing                                                             supports single transactions or revolving
                                                         proceeds. Up to 5 percent of the
need of certain small businesses. These                  proceeds can be used for physical              lines. The maximum dollar amount of an
special purpose programs are not                         improvements that benefit the property.        export line of credit under this program is
necessarily for all businesses but may be              • The Small Asset-Based Line is a                $2 million. SBA guarantees up to 90% of a
very applicable to some small businesses.                revolving line of credit (up to $200,000)      loan amount or $1.5 million, whichever is
They are generally governed by the same                  that provides short term working
                                                         capital. These lines are generally used
                                                                                                        less. Loan maturities are generally for a
rules, regulations, fees, interest rates, etc. as                                                       term of 12 months. The guaranty can be
the regular 7(a) loan guaranty. Lenders can              by businesses that provide credit to their
                                                         customers. Disbursements are based on          reissued for an additional 12 months
advise you of any variations.
                                                         the size of a borrower’s accounts              through an abbreviated application
                                                         receivable and/or inventory. Repayment         process. The guaranty fee the SBA charges
CAPLines                                                 comes from the collection of accounts
                                                         receivable or sale of inventory. It does
                                                                                                        is 0.25 percent of the guaranteed amount of
   The CAPLines program is designed to                                                                  the loan for the initial 12 months. The
                                                         require      periodic      servicing     and
help small businesses meet their short-term              monitoring of the collateral for which         borrower negotiates the interest rate and all
and cyclical working capital needs. There                the lender can charge up to two percent        other fees with the lender. The program
are five loan programs under the CAPLines                annually to the borrower.                      offers flexible terms, low fees and a quick
umbrella. The programs can be used to                  • The Standard Asset-Based Line is               processing time. For information, see
finance seasonal working capital needs;                  similar to the Small Asset-Based Line,
finance the direct costs of performing                   but for loan amounts over $200,000. It
certain construction, service and supply
                                                         does require stricter servicing and
contracts; finance the direct cost associated            monitoring and the lender may pass             .html
with      commercial      and     residential            these costs along to the borrower.             Eligibility of Exporter
construction; finance operating capital by                                                                You must have an operating history of at
                                                                                                        least one year – not necessarily in
obtaining advances against existing
inventory and accounts receivable; and
                                                    EXPORT ASSISTANCE                                   exporting. The SBA may waive this
consolidate short-term debt. SBA provides           TRADE FINANCING                                     requirement if you have sufficient export
                                                                                                        trade experience or other managerial
up to an 85 percent guarantee. There are               The SBA has help for existing small
five distinct programs under the CAPLine                                                                experience.
                                                    businesses wanting to export goods and              Eligible Buyers
   • The Contract Loan Program is used to           services.                                              The foreign buyer must be a
     finance material and labor needs for a                                                             creditworthy entity located in an acceptable
                                                                                                        foreign country, to both the lender and
     specific contract or contracts. Proceeds
     can be disbursed before the work begins.
                                                    U.S. EXPORT ASSISTANCE                              SBA.
     If used for one contract, it is generally      CENTER (USEAC)
     not revolving; if used for more than one
                                                       U.S. Export Assistance Centers, a                Use of EWCP Proceeds:
     contract at a time, it can be revolving.                                                             • To acquire inventory for export or to be
     The loan maturity is usually based on          partnership between SBA, U.S. Department                used to manufacture goods for export.
     the length of the contract, but no more        of Commerce staff and the Export-Import               • To pay the manufacturing costs of goods
     than five years. Contract payment must         Bank of the U.S. in a single location,                  for export.
     be sent directly to the lender.                provide trade promotion and export-                   • To purchase goods or services for export.
   • The Seasonal Line of Credit Program            finance assistance for small businesses. The          • To support standby letters of credit
     is used to support buildup of inventory,                                                               related to export transactions.
                                                    USEACs also work closely with other
     accounts receivable or labor and                                                                     • For pre-shipment working capital
     materials above normal usage for               federal, state and local international trade
                                                                                                            directly related to export orders.
     seasonal inventory. The business must          organizations. To find the nearest USEAC,             • For post-shipment foreign accounts
     have been in business for a period of 12       go    to:              receivable financing.
     months and must have a definite                sbaprograms/ internationaltrade/useac/index.
     established seasonal pattern. The loan         html.
     may be used over again after a “clean-
     up” period of 30 days to finance activity

24 — Small Business Resource   MISSOURI                                                                                      Visit us online:
Ineligible Use of Proceeds                        the Export Working Capital Program than           Ineligible Use of Proceeds
  • To support the applicant’s domestic sales.    SBA could support alone. This program               • Goods or services with less than 50
  • To acquire fixed assets or capital goods      enables U.S. exporters to obtain loans that           percent U.S. content.
    for the applicant’s business.                 facilitate the export of goods or services.         • To support the export of any Defense
  • To support a sale where the exporter is       Under this program, the total export                  Articles or Defense Services.
    not taking title to the goods.                working capital line, with a 90 percent             • To support the applicant’s domestic sales.
  • To acquire, equip, or rent commercial         guarantee, cannot exceed $2 million. Loan           • To acquire fixed assets or capital goods
    space overseas.                               maturities are generally for a term of 12             for the applicant’s business.
  • To serve as a warranty letter of credit.      months. At the end of the 12-month                  • To acquire, equip, or rent commercial
                                                  maturity, a borrower may reapply for a                space overseas.
Collateral Requirements                           new guarantee. The SBA guarantee fee is             • To serve as a Warranty Letter of Credit.
  • Collateral for the manufacturing sector
                                                  0.25 percent of the guaranteed amount of
    typically consists of a first lien on all
                                                  the loan for the initial 12 months. The
                                                                                                    Collateral Requirements
    export-related inventory and export                                                               Same as the SBA EWCP.
    related accounts receivable.                  guarantee fee that Ex-Im Bank charges is
  • Collateral for the service sector typically   0.25 percent on the loan amount that is
    consists of assignment of proceeds of         guaranteed by them. The borrower                  How to Apply
    export-related contracts or purchase          negotiates the interest rate and all other fees     A small business exporter seeking a co-
    orders and a first lien on export-related     with the lender.                                  guaranteed loan must apply to a lender
    accounts receivable.                                                                            that is a participant in SBA’s 7(a) Loan
  • Other collateral may be required.             Eligibility of Exporter                           Guaranty Program. PLP and SBAExpress
                                                    The same as for the SBA EWCP Program.           processing are not permitted. The lender
How to Apply                                                                                        must submit a completed Joint Application
   A small business exporter seeking a            Eligible Buyers                                   for Working Capital Guarantee and loan
guaranteed EWCP loan must apply to a                The foreign buyer must be a                     package to SBA. SBA evaluates and
lender.                                           creditworthy entity located in an acceptable      processes the application in accordance
                                                  country in conformity with the Ex-Im              with SBA rules for its Export Working
SBA Ex-Im Bank Co-Guarantee                       Bank’s Country Limitation Schedule.               Capital Program.
   This is designed to provide small
business exporters the ability to obtain
larger export working capital loans through       Use of Proceeds
                                                    Same as the SBA EWCP.

Visit us online:                                                                               MISSOURI Small Business Resource —   25
INTERNATIONAL TRADE LOAN                        apply to an SBA participating lender. Call
                                                your local SBA District Office for a list of
                                                                                                   Ineligible Use of Proceeds
                                                                                                      Proceeds may not be used to finance
PROGRAM*                                        participating lenders.                             overseas operations, other than those
   The program helps small businesses             *The International Trade Loan is                 strictly associated with the marketing
engaged or preparing to engage in               currently being reviewed for modification.         and/or distribution of products/services
international trade as well as small            Please check with your local SBA District          exported from the U.S.
businesses      adversely     affected    by    Office or U.S. Export Assistance Center for
competition from imports. This program          the latest information on this loan                How to Apply
allows for an increased maximum dollar          program.                                              The application process is the same for
amount of SBA guaranty outstanding to                                                              the SBAExpress, except the applicant must
any one business (and affiliates) from $1.5                                                        demonstrate that loan proceeds will enable
million to $1.75 million. In order to reach
                                                EXPORT EXPRESS*                                    it to enter a new export market or expand
the $1.75 million SBA guaranty ceiling, the        The Export Express program is designed          an existing export market. The applicant
                                                to help SBA meet the export financing              must submit to the lender a plan that
borrower must have an international trade
                                                needs of small businesses. It is a                 includes projected export sales for the
loan as well an SBA working capital loan or
                                                subprogram of SBAExpress and is therefore          upcoming year as well as the dollar volume
line of credit. The international trade loan                                                       of export sales for the previous year.
provides an SBA guarantee up to $1.5            subject to the same loan processing,
                                                                                                      *Terms and conditions of the Export
million of a term loan used for the             making, closing, servicing, and liquidation        Express, as noted above, are being
acquisition, construction, renovation,          requirements as well as the same maturity          evaluated for modification to include
modernization, improvement or expansion         terms, interest rates, and applicable fees as      increased lending limit and transparency
of long-term fixed assets or the refinancing    for other SBA loans except as noted below.         of processing.
of an existing loan used for these same         The total Export Express loan cannot
                                                exceed $250,000. SBA guarantees 85
purposes. In addition a borrower may
have a separate working capital loan (term      percent for loans of $150,000 and under and
                                                                                                   COMMUNITY ADJUSTMENT
or line of credit) with a maximum SBA           75 percent for loans over $150,000 to              AND INVESTMENT PROGRAM
guaranty of $1.25 million. When combined,       $250,000. SBA allows participating lenders            The Community Adjustment &
the maximum SBA guaranty outstanding            to make their own credit decisions. SBA            Investment Program helps communities
to any one business is $1.75 million. The       provides a quick processing time, less than        that suffered job losses due to changing
SBA guaranty fee and interest rates are the     36 hours.                                          trade patterns following the North
same as for any standard 7(a) loans.                                                               American Free Trade Agreement. The
                                                Eligible Buyers – The foreign buyer must           North American Development Bank has
Eligibility of Exporter                                                                            partnered with the SBA and the U.S.
                                                be a creditworthy entity located in an
  • Applicants must meet the same eligibility                                                      Departments of Agriculture and the
                                                acceptable country.                                Treasury to make credit available to
    requirements for a 7(a) loan.
  • Applicant must establish the loan will                                                         businesses in affected communities to help
    significantly expand or develop an export
                                                Use of Proceeds                                    create or retain jobs.
                                                  • Finance standby letters of credit used for
    market, or the applicant has been
                                                    either bid or performance bonds;
    adversely affected by import competition,
    and, in addition the applicant must show
                                                  • Finance export development activities
                                                    such as export marketing and
                                                                                                   SBA’S NON-7(A) LOAN
    that upgrading equipment or facilities
    will improve its competitive position.
                                                    promotional activities, participation in       PROGRAMS
                                                    foreign trade shows, translation of              In addition to the 7(a) Loan Program SBA
  • If eligibility is based on entering or
                                                    product literature for foreign markets,        has four other non-disaster assistance
    expanding export sales, the applicant
                                                    and other activities designed to initiate or   programs which can help small businesses
    must submit a one or two page
                                                    expand the applicant’s export of its           gain access to capital and bonding.
    international business plan, including
                                                    products/services from the U.S.;
    sufficient information to reasonably
                                                  • Provide transaction-specific financing for
    support the likelihood of expanded
    export sales.
                                                    overseas orders;                               CERTIFIED DEVELOPMENT
                                                  • Provide revolving lines of credit for
                                                    export purposes, the term of which must        COMPANY LOAN PROGRAM
Use of Proceeds
  • For facilities or equipment, including
                                                    not exceed seven years. In some
                                                    instances, as a normal course of business,
                                                                                                   (504 LOANS)
    purchasing land and building(s);                the borrower may use portions of                  The 504 Loan Program is an economic
    building new facilities; renovating,            revolving lines of credit for domestic         development program that supports
    improving, or expanding existing                purposes, but no less than 70 percent of       American small business growth and helps
    facilities; purchasing or reconditioning        the revolver to be used for export related     communities through business expansion
    machinery, equipment and fixtures; and          purposes;                                      and job creation. This SBA program
    making other improvements that will be        • Provide term loans and other financing to      provides long-term, fixed-rate, subordinate
    used within the United States for               enable small business concerns, including      mortgage financing for acquisition and/or
    producing goods or services.                    small business export trading companies        renovation of capital assets including land,
Collateral Requirements - Collateral                to develop foreign markets; and                buildings and equipment. Most for-profit
                                                  • Acquire, construct, renovate, modernize,       small businesses are eligible for this
requirements are the same as for regular            improve or expand production facilities
7(a) loans.                                                                                        program. The types of businesses excluded
                                                    or equipment to be used in the U.S. in the     from 7(a) loans (listed previously) are also
  How to Apply - A small business                   production of goods or services to be          excluded from the 504 loan program.
exporter seeking a guaranteed loan must             exported from the U.S.

26 — Small Business Resource   MISSOURI                                                                                Visit us online:
  Loans are provided through Certified                • Collateral is typically a subordinate lien    Central Ozark Development
Development Companies. CDCs work                        on the assets financed; allows other assets      James R. Dickerson
with banks and other lenders to make loans              to be free of liens and available to secure      P.O. Box 786
in first position on reasonable terms,                  other needed financing.                          Camdenton, MO 65020
helping lenders retain growing customers              • Long-term real estate loans are up to 20-        573-346-5692 • 573-346-2007 Fax
and provide Community Redevelopment                     year term, heavy equipment 10 or 20-year
Act credit.                                             term and are self-amortizing.
                                                                                                      Citywide Development Corp.
  The SBA 504 loan is distinguished from            Businesses that receive 504 loans are:               William Gillmor
the SBA 7(a) loan program in these ways:              • Small — net worth under $8.5 million, net        7628 State Ave., Ste. 3/P.O. Box 12252
                                                        profit after taxes under $3 million, or          Kansas City, KS 66112
The maximum debenture, or long-term
                                                        meet other SBA size standards.                   913-788-9884 • 913-788-2741 Fax
loan, is:                                             • Organized for-profit.
  • $1.5 million for businesses that create a                                                  
                                                      • Most types of business — retail, service,
    certain number of jobs or improve the               wholesale or manufacturing.                   Midwest Small Business Finance
    economy of the locality;                           The SBA’s 504 certified development               Karine Decker
  • $2 million for businesses that meet a                                                                110 NW Barry Rd., Ste. 210
                                                    companies serve their communities by
    specific public policy goal, including                                                               Kansas City, MO 64155
                                                    financing business expansion needs. Their
    veterans; and                                                                                        816-468-4989 • 816-468-7778 Fax
  • $4 million for manufacturers.
                                                    professional staffs works directly with
                                                    borrowers to tailor a financing package that
     Recent additions to the program allow
$4 million for each project that reduces the        meets program guidelines and the credit           Frontier Financial Partners, Inc.
borrower’s energy consumption by at least           capacity of the borrower’s business. For             Wayne Symmonds
10 percent; and $4 million for each project         information, visit,             1512 W. 6th Ave., Ste. E
                                                    then choose “SBA Loans” from the links in            Emporia, KS 66801
that generates renewable energy fuels, such                                                              620-342-7041 • 620 342-6907 Fax
as biodiesel or ethanol production. Projects        the right-hand column.            Click on
                                                    “CDC/504 Program.”                         
eligible for up to $4 million under one of
                                                    Avenue Area, Inc.                                 Enterprise Development Corporation
these two requirements do not have to meet             Diane Lloyd-Overby
the job creation or retention requirement, so                                                            Michael Crist
                                                       134 N. Nettleton Ave.                             910 E. Broadway, Ste. A
long as the CDC portfolio average is at least          Bonner Springs, KS 66012
$50,000.                                                                                                 Columbia, MO 65201
                                                       913-422-5222 • 913-422-5230 Fax                   573-875-8117 • 573-443-2319 Fax
  • Eligible project costs are limited to long-
    term, fixed assets such as land and                                                        
    building (occupied by the borrower) and
    substantial machinery and equipment.
    Working capital is not an eligible use of
  • Most borrowers are required to make an
    injection (borrower contribution) of just
    10 percent which allows the business to
    conserve valuable operating capital. A
    further injection of 5 percent is needed if
    the business is a start-up or new (less
    than 2 years old) and a further injection of
    5 percent is also required if the primary
    collateral will be a single purpose
  • Two-tiered project financing: a lender
    finances approximately 50 percent of the
    project cost and receives a first lien on the
    project assets (but no SBA guaranty); A
    CDC (backed by a 100% SBA-guaranteed
    debenture) finances up to 40% of the
    project costs secured with a junior lien.
    The borrower provides the balance of the
    project costs.
  • Fixed interest rate on SBA loan. SBA
    guarantees the debenture 100 percent.
    Debentures are sold in pools monthly to
    private investors. This low, fixed rate is
    then passed on to the borrower and
    establishes the basis for the loan rate. A
    recent history of debenture rates may be
    found at
  • All project-related costs can be financed,
    including acquisition (land and building,
    land and construction of building,
    renovations, machinery and equipment)
    and soft costs, such as title insurance and
    appraisals. Some closing costs may be

Visit us online:                                                                                 MISSOURI Small Business Resource —   27
Heartland Business Capital, Inc.            MO-Kan Development, Inc.
    David Long                                 Jon Ecker                         MICROLOAN PROGRAM
    12345 W, 95th St., Ste. 200                1302 Faraon St.                      The Microloan Program provides small
    Lenexa, KS 66215                           St. Joseph, MO 64501              loans ranging from under $500 to $35,000.
    913-599-1717 • 913-599-6430 Fax            816-233-3144 • 816-233-8498 Fax   Under this program, the SBA makes funds                         available to nonprofit intermediaries that,
                                                                                 in turn, make the loans directly to
Mid-America, Inc.                           RMI                                  entrepreneurs,    including      veterans.
    Charles Heath                              Mindy Murray                      Proceeds can be used for typical business
    PSU - Business & Technology Institute      3324 Emerald Ln.                  purposes such as working capital,
    Pittsburg, KS 66762                        Jefferson City, MO 65109          machinery and equipment, inventory and
    620-235-4920 • 620-235-4919 Fax            573-635-0136 • 573-635-5636 Fax
                                                                                 leasehold improvements. Interest rates are             
                                                                                 negotiated between the borrower and the
                                            Wakarusa Valley Development, Inc.    intermediary.
                                               Troy Roberts                         For    more   information,     go    to
                                               120 E. 9th              , then choose “SBA
                                               Lawrence, KS 66044                Loans” from the links in the right-hand
                                               785-749-7600 • 785-749-7601 Fax   column. From there, click on “Micro
                                            EDC Loan Corporation                    3324 Emerald Ln.
                                               Doug Nuckolls                        Jefferson City, MO 65101
                                               1100 Walnut, Ste 1700                573-635-0136
                                               Kansas City, MO 64106                Serves the state of Missouri.
                                               816-691-2108 • 816-691-2161 Fax

                                                  Top Ten Lenders 10-1-07 thru 9-30-08
                                              US Bank                                   86              $14,390,200
                                              Commerce Bank, NA                         77              $5,181,200
                                              UMB Bank, n.a.                            27              $3,865,200
                                              Summit Bank of Kansas City                26              $6,818,300
                                              Bank of Blue Valley                       17              $4,067,230
                                              CIT Small Business Lending                16              $7,376,000
                                              Bank of America, NA                       15              $402,500
                                              M&I Marshall & Ilsley Bank                14              $4,211,200
                                              Bank of the Prairie                       14              $1,370,000
                                              Metcalf Bank                              13              $1,105,500

                                              Springfield Branch Office 10-1-07 thru 9-30-08
                                              Liberty Bank                             132              $29,784,700
                                              Rural Missouri, Inc.                      36              $18,105,000
                                              U.S. Bank, N.A.                           36              $3,990,000
                                              Commerce Bank                             28              $4,014,400
                                              Southwest Missouri Bank                   12              $1,692,000
                                              The Bank Of Missouri                       9              $2,374,900
                                              Arvest Bank                                9              $1,673,000
                                              Bank of Urbana                             9              $849,900
                                              Empire Bank                                8              $3,189,740
                                              UMB Bank                                   6              $556,000

28 — Small Business Resource   MISSOURI                                                                Visit us online:
                                                 CFB Venture Fund II, Inc.
SMALL BUSINESS                                      Greg L. Garddert                        THE SURETY BOND
INVESTMENT COMPANY                                  1000 Walnut, 18th Fl.
                                                    Kansas City, MO 64106
                                                                                            GUARANTEE PROGRAM
PROGRAM                                             816-234-2357 • 816-234-2952 Fax            The Surety Bond Guarantee Program is a
                                                                                            public-private partnership between the
   There are a variety of alternatives to bank
financing for small businesses, especially       CFB Venture Fund II, L.P.                  federal government and the surety
business start-ups. The Small Business           CFB Venture Fund III, L.P.                 industry providing small businesses with
                                                    James F. O’Donnell                      the bonding assistance necessary for them
Investment Company Program fills the gap
                                                    11 S. Meramec, Ste. 1430
between the availability of venture capital         St. Louis, MO 63105                     to compete for government and private
and the needs of small businesses in start-         314-746-7427 • 314-746-8739 Fax         contracting opportunities. The guarantee
up and growth situations. Licensed and       provides the necessary incentive for
regulated by the SBA, SBICs are privately                                                   sureties to bond small businesses that
owned and managed investment funds               Eagle Fund I, L.P.
                                                    Scott Fesler/Bush O’Donnell             would otherwise be unable to obtain
that make capital available to qualifying
                                                    101 S. Hanley Rd., Ste. 1250            bonding. The program is aimed at small
U.S. small businesses through investments
or loans. They use their own funds plus             St. Louis, MO 63105                     businesses that lack the combination of
funds obtained at favorable rates with SBA          314-727-4555 • 314-727-8829 Fax         working capital and performance track
                                                            record necessary to secure bonding on a
guarantees. SBICs are for-profit firms
whose incentive is to share in the success of    C3 Capital Partners, LP                    reasonable     basis     through      regular
a small business. In addition to equity and         Patrick F. Healey and Mikala January    commercial channels.
debt     investments,       SBICs     provide       4520 Main St., Ste. 1600                   Through this program, the SBA
managerial, operational and technical               Kansas City, MO 64111                   guarantees bid, payment, performance and
assistance. The SBIC Program provides               816-756-2225 • 816-756-5552 Fax         necessary ancillary bonds issued by surety
funding for a broad range of industries and
                                                                                            companies for individual contracts of up to
stage of investment, in areas across the
                                                 Kansas Venture Capital, Inc.               $2 million ($5 million under the American
country. Some SBICs invest in a particular
field or industry while others invest more          John Dalton                             Recovery and Reinvestment Act) on behalf
                                                    6700 Antioch Plaza, Ste. 460            of eligible small construction, service, and
generally. Most SBICs concentrate on a
                                                    Overland Park, KS 66204                 supply contractors. The SBA reimburses
particular stage of investment such as start-       913-262-7117 • 913-262-3509 Fax
up or expansion and focus on a specific   
                                                                                            sureties a predetermined percentage of
geographic area. For more information visit                                                 losses sustained if a contractor breaches the          CFB Venture Fund I, Inc.                   terms of the contract.
/inv/index.html.                                    James F. O’Donnell                         The SBA has two program options
American Century Ventures, II, LLC                  11 S. Meramec, Ste. 1430
                                                                                            available, the Prior Approval Program
     Mark Hyde                                      St. Louis, MO 63105
     4500 Main St., 9th Fl.                         314-746-7427 • 314-746-8739 Fax         (Plan A) and the Preferred Surety Bond
     Kansas City, MO 64109                   Program (Plan B). In the Prior Approval
     816-531-1600 • 816-531-1334 Fax                                                        Program, SBA guarantees 90 percent of a
                                                 MidAmerica Capital Corporation
                                                    Kevin F. Mullane                        surety’s paid losses and expenses on
 Bankers Capital Corporation                        911 Main St., Ste. 2424                 bonded contracts up to $100,000, and on
     Raymond E. Glasnapp                            Commercial Tower Bldg.                  bonds for socially and economically
     3100 Gilliam Rd.                               Kansas City, MO 64105                   disadvantaged and HUBZone contractors
     Kansas City, MO 64109                          816-842-0114 • 816-471-7339 Fax         and veterans and service-disabled veterans.
     816-531-1600 • 816-531-1334 Fax                                                        All other bonds guaranteed in the Plan A                           MidStates Capital, L.P.
                                                    Timothy Keeble                          Program receive an 80 percent guarantee.
BOME Investors II, LLC                              7300 W. 110th St., 7th Fl.              Sureties must obtain SBA’s prior approval
     Shelly Whittington or Thomas Adamek            Overland Park, KS 66210                 for each bond guarantee issued. Under the
     c/o Gateway Capco II, LLC                      913-962-9007 • 913-962-0699 Fax         PSB Program, SBA guarantees 70 percent,
     8000 Maryland Ave., Ste. 1190        
     St. Louis, MO 63105                                                                    but sureties may issue, monitor and service
     314-721-5707 • 314-721-5135 Fax             RiverVest Venture Fund I, LP               bonds without SBA’s prior approval.                  Thomas C. Melzer                           For more information on the Surety Bond
BOME Investors III, LLC                             7733 Forsyth Blvd., Ste. 1650           Guarantee Program, visit SBA’s Web site at
     Shelley Whittington                            St. Louis, MO 63105           
     c/o Gateway Capco II, LLC                      314-726-6700 • 314-727-6715 Fax         Federal Insurance Agency
     8000 Maryland Ave., Ste. 1190                              5750 W. 95th St., Ste. 105
     St. Louis, MO 63105                                                                       Overland Park, KS 66207
     225-332-7721 • 225-332-7377 Fax             UMB Capital Corporation, Inc.                 913-385-5000                  Mark Schmidtlein
                                                    1010 Grand Blvd./P.O. Box 419226        Surety Support Service, Inc.
BOME Investors, Inc.                                Kansas City, MO 64141                      7255 W. 98th Terr., Ste. 170
     Gregory Johnson & John McCarthy                816-860-7105 • 816-860-7143 Fax            Overland Park, KS 66212
     c/o Gateway Capco II, LLC                               913-385-7760
     8000 Maryland Ave., Ste. 1190
     St. Louis, MO 63105
     314-721-5707 • 314-721-5135 Fax

Visit us online:                                                                       MISSOURI Small Business Resource —   29
30 — Small Business Resource   MISSOURI   Visit us online:
                                               BUSINESS PREPARATION

                                   SMall BuSineSS
                     traininG network
                                  How to Get Equipped With Business Intelligence

            he Small Business Training          Key Features of the SBTN:

tools and direct access to electronic
counseling and other forms of technical
            Network is an Internet-based
            training site. It provides small
            businesses with free online
            courses, workshops, learning
                                                 • Training is available anytime and
                                                   anywhere—all you need is a computer
                                                   with Internet access.

                                                 • More than 23 free online courses and
                                                   workshops available
                                                                                            • Online, interactive assessment tools are
                                                                                              featured and used to direct clients to
                                                                                              appropriate training.

                                                                                           Find the SBTN at

Visit us online:                                                                     MISSOURI Small Business Resource —   31
                                           CONTRACTING OPPORTUNITIES

           Federal proCureMent
               opportunitieS              How to Apply for Government Contracts
    The federal government is
    the largest purchaser of
    goods and services in the
    world. However, small businesses
    face challenges when trying to win
    federal contracts. The SBA can help
    small businesses work through these
    challenges. Working closely with
    federal agencies and the nation’s
    leading large contractors, the SBA
    works to ensure that small
    businesses obtain a fair share of
    government         contracts    and
    subcontracts. The SBA has a number
    of programs to help small firms do
    business     with     the    federal
    For more information, visit:

THE PRIME                                       opportunities for small businesses. CMRs         the apparent successful offeror. The SBA
CONTRACTS PROGRAM                               conduct compliance reviews to ensure that        will conduct a detailed review of the firm’s
   Through the Prime Contracts Program,         large businesses comply with small               technical and financial capabilities to
                                                business subcontracting requirements.            perform on the contract. If the business
the SBA helps to ensure small businesses
                                                They also provide guidance to assist small       demonstrates the ability to perform, the
get fair opportunities to share federal
                                                businesses in identifying subcontracting         SBA issues a certificate of competency to
government prime contracts. SBA
                                                opportunities and marketing their products       the contracting officer, requiring award of
procurement center representatives work
                                                and services to these large contractors.         that contract to the small business.
to expand contracting opportunities for            CMRs also work with agencies to ensure
small businesses. PCRs review contracting       subcontracting with small and small,
strategies and actions, to identify contracts
for which small businesses can compete.
                                                disadvantaged businesses, women-owned
                                                small businesses, HUBZone firms and
                                                                                                 SMALL BUSINESS
   Visit the SBA’s Office of Government         small businesses owned by service-               SIZE STANDARDS
Contracting home page at:        disabled veterans through inclusion of              The Small Business Act states that a
for a listing of PCRs and buying                subcontracting evaluation factors and sub-       small business concern is “one that is
installations nationwide.                       factors.                                         independently owned and operated and
                                                                                                 which is not dominant in its field of
THE SUBCONTRACTING                              THE CERTIFICATE OF                               operation.” The law also states that in
                                                                                                 determining what constitutes a small
ASSISTANCE PROGRAM                              COMPETENCY PROGRAM                               business, the definition will vary from
   The Subcontracting Assistance Program           The Certificate of Competency program         industry to industry to reflect industry
promotes maximum use of small                                                                    differences accurately. The SBA’s Small
                                                allows a small business to appeal a
businesses by the nation’s large prime                                                           Business Size Regulations (13 CFR Part 121,
                                                contracting officer's determination that it is
contractors. The SBA’s commercial market                                               
                                                unable to fulfill the requirements of a          implement the Small Business Act’s
representatives work with large businesses      specific government contract on which it is
to identify and expand subcontracting                                                            mandate to the SBA.

32 — Small Business Resource   MISSOURI                                                                              Visit us online:
   The SBA has also established a table of
size standards, matched to North American
Industry Classification System industries,
used to determine eligibility for SBA
programs and small business preferences
for federal government contracts.
   See more at:,
then click on “Size Standards” under the
“Contracting Opportunities” menu across
the bottom.

Size Determination
  The Size Determination Program,
administered by SBA’s six government
contracting area offices, ensures that only
small firms receive contracts and other
benefits reserved exclusively for small
                                                   vendor and grantee database for the federal
                                                   government. CCR collects, stores and
                                                                                                    HUBZONE PROGRAM
                                                                                                       The Historically Underutilized Business
businesses. When a firm’s claim that it is         disseminates data to support agency
                                                                                                    Zone Program stimulates economic
small is challenged, the SBA determines if         acquisition and grants missions. Both            development and creates jobs in urban and
the firm, including all of its affiliates, meets   current and potential federal government         rural communities by providing federal
established SBA size standards. Size               vendors and grantees are required to             contracting assistance to small businesses.
determinations may also be made when               register in CCR to receive federal contracts        The HUBZone program establishes
requested in connection with other federal         or grants. Vendors are required to complete      preferences for award of federal contracts
small business programs.                           a one-time registration to provide basic         to small businesses located in historically
  Additional information is available at the       information relevant to procurement, grant       underutilized business zones.
above “Size Standards” site.                       and financial transactions.                         In general, small businesses may obtain
                                                       Vendors must update or renew their           HUBZone certification by employing staff
                                                                                                    who live in a HUBZone and maintaining a
Missouri Procurement Assistance                    registration at least once a year to maintain
                                                                                                    “principal office” in one of these specially
Centers                                            an active status. The SBA provides the CCR       designated areas.
  The Procurement Assistance Centers               with authoritative source information            SBA is responsible for:
help small businesses interested in                regarding certifications under 8(a) Business       • Determining whether or not individual
government contracting opportunities.              Development and HUBZone programs and                 concerns are qualified HUBZone small
University of Missouri                             provides the small business size status              business concerns, and therefore eligible
     410 S. 6th St.                                against each North American Industry                 to receive HUBZone contracts;
     200 Engineering N.                            Classification code listed in a registrant’s       • Maintaining a list of qualified HUBZone
     Columbia, MO 65211                                                                                 small business concerns for use by
     573-882-8058                                  profile.
                                                                                                        acquisition agencies in awarding                     SBA maintains the Dynamic Small                  contracts under the program; and
                                                   Business Search function of the CCR.               • Adjudicating protests and appeals of
University of Missouri - Kansas City               Businesses profiled on the DSBS can be               eligibility to receive HUBZone contracts.
     4747 Troost Ave., Rm. 105                     searched by NAICS codes, keywords,               To qualify for the program, a business
     Kansas City, MO 64111
                                                   location, quality certification, bonding level   must meet the following criteria:
                                                   business type, ownership, SBA certification,       • It must qualify as a small business under
                                                   and by women, minority, veteran and                  SBA size standards, corresponding to its
Missouri State University                                                                               primary industry classification;
                                                   service-disabled veteran ownership. The
     901 S. National                                                                                  • Its principal office must be located within
                                                   DSBS serves as a marketing tool for small            a HUBZone, which includes lands on
     Springfield, MO 65897                         businesses because the business profiles in
     417-836-5680                                                                                       federally recognized Indian reservations
                                                   the DSBS include information from SBA’s              and covered by the phrase “Indian
Missouri Southern State University                 files and other available databases plus             Country”;
     Robert W. Plaster Free Enterprise Center      additional business and marketing                  • It must be owned (at least 51 percent) by
     3950 Newman Rd.                               information on individual firms.                     one or more U.S. citizens, Community
     Joplin, MO 64801                                                                                   Development           Corporation,       an
                                                       To search the DSBS for small businesses,         agricultural cooperative, an Indian tribe;
                                                   click on:           and
                                                   dspdsbs.cfm or select the “Dynamic Small           • At least 35 percent of its employees must
SMALL BUSINESS VENDOR                              Business Search” at the CCR Web site at:             reside in a HUBZone.
                                                                          Existing businesses that choose to move
DATABASE                                               Registration in the DSBS is through the      to qualified areas are eligible. To fulfill the
  The SBA works with the integrated                CCR. For more information on CCR, or to          requirement that 35 percent of a HUBZone
acquisition community to provide a                 register, click the CCR Web site. Before         firm’s employees reside in a HUBZone,
database of vendors, including small               registering in CCR, go to the top of the Web     employees must live in a primary residence
businesses. The Central Contractor                 page and download the handbook which             within that area for at least 180 days or be a
Registration System is the primary gateway         contains data for a successful registration.     currently registered voter in that area.

Visit us online:                                                                                MISSOURI Small Business Resource —   33
   For additional information regarding
the HUBZone Program, please visit:

8(a) Business Development
   The SBA’s Section 8(a) Business
Development Program provides various
forms of assistance (management and             member of one of the groups presumed to          Kansas Department of Commerce and
technical assistance, financial assistance,     be socially disadvantaged must establish         Kansas Department of Transportation
government contracting assistance and           individual social disadvantage by a                  Office of Minority and
advocacy support) to foster the growth and                                                           Women Business Development
                                                preponderance of the evidence. Anyone                Capitol Bldg., Rm. 212
development of businesses owned and             may apply for 8(a) Program certification.            Topeka, KS 66612-1590
controlled by one or more socially and             For additional information regarding              785-296-3232
economically disadvantaged individuals.         evidence of social disadvantage, please
SBA assists these businesses, (during a         visit:        State of Missouri Office
nine-year tenure in the 8(a) Business           sbaprograms/8abd/index.html.                     of Administration
Development Program), to gain access to                                                              Division of Purchasing
                                                                                                     301 W. High St.
the resources necessary to develop their        Economic disadvantage:                               Jefferson City, MO 65102
businesses and improve their ability to            Economically disadvantaged individ-               573-751-8130 or 877-259-2963
compete in the mainstream of the                uals are socially disadvantaged individuals
American economy.                               whose ability to compete in the free-            Small Disadvantaged Business
   Business    development       assistance     enterprise system has been impaired due to       Certifications
includes one-to-one counseling, training        diminished capital and credit opportunities         To qualify as a small disadvantaged
workshops, and other management and             as compared to others in the same or             business, a firm must be owned and
technical guidance required to expand into      similar line of business who are not socially    controlled by one or more individuals who
the federal government contracting arena.       disadvantaged.                                   are      socially    and       economically
   The SBA enters into contracts with other                                                      disadvantaged. Congress has directed that
federal agencies and subcontracts the           Net worth:                                       individuals who are members of certain
performance of such contracts to eligible          For initial 8(a) Program certification, the   ethnic groups are presumed to be
8(a) program participants.                      net worth of an individual claiming              disadvantaged. Other persons, including
                                                disadvantage, must be less than $250,000.        women and persons of any race, can also
Eligibility Criteria:                           For continued 8(a) Program eligibility after     qualify by establishing their disadvantaged
To participate in the 8(a) program, a           admission, net worth must be less than           status.
business must be:                               $750,000. In determining such net worth,            Firms seeking to be SDB-certified may
  • a small business concern                    SBA will exclude the ownership interest in       certify themselves for federal prime
  • owned by one or more U.S. citizens          the applicant business and the equity in the     contracts and federal subcontracts without
  • at least 51 percent unconditionally owned                                                    submitting any application to SBA for SDB
    and controlled by one or more an
                                                primary residence.
    individual(s) who qualify as socially and                                                       To self-represent as small disadvan-
    economically disadvantaged                  Day-to-Day Management:
  • established for two full years before         • Management and daily business                taged businesses, firms should:
                                                    operations must be controlled by the           1) Update their Central Contractor
    applying (or qualifying for a waiver of
                                                    disadvantaged individual(s) upon whom             Registration (CCR) profile, ensuring they
    the two-year rule)
                                                    eligibility is based.                             select they are a self-certified Small
                                                  • The       individual(s)  must      have           Disdavantaged Business; and
Social disadvantage:                                management or technical expertise.             2) Update      their   company's        Online
   Socially disadvantaged is defined as                                                               Representation       and      Certification
                                                  For additional information on the 8(a)
individuals who have been subjected to                                                                Application - specifically, the Federal
                                                Business Development Program, visit:                  Acquisition Regulation clause at 52.219-
racial or ethnic prejudice or cultural bias
                                                    1(b)(2), entitled “Small disadvantaged
because of their identity as a member of a
                                                8abd/index.html.                                      business concern,” and check the box
group without regard to their individual
                                                                                                      indicating they are a self-certified SDB.
capabilities. The following individuals are     Certification of Minority and                       Other than its list of certified 8(a) firms,
presumed to be socially disadvantaged:
                                                Women-Owned Businesses                           SBA will no longer maintain a list of
Black Americans, Native Americans,                                                               certified SDB firms. The 8(a) Business
                                                   Companies seeking written certification
Hispanic Americans, Asian Pacific                                                                Development Program is not affected by
                                                must be at least 51 percent owned and
Americans and Subcontinent Asian                operated by a woman or minority                  this rule. Firms may continue to apply on-
Americans. An individual who is not a           entrepreneur:                                    line for 8(a) Certification.

34 — Small Business Resource   MISSOURI                                                                                Visit us online:
Welfare to Work Initiative                       8(a) Program via the electronic on-line
                                                                                                    MANAGEMENT AND
   The SBA is dedicated to helping               system. If key eligibility criteria are not met,
entrepreneurs open new businesses,               you will be directed to the SBA resource           TECHNICAL ASSISTANCE
expand existing enterprises and sustain          deemed most appropriate to help you at                SBA’s Section 7(j) Management and
success in their operations.                     this time. If you would still prefer at this       Technical Assistance Program authorizes
   Now, in this era of low unemployment,         time to apply using the electronic system,         the SBA to enter into grants, cooperative
the SBA is helping small businesses gain         please send an e-mail to             agreements and contracts with public or
access to a new pool of potential workers as     for further guidance and assistance. The           private organizations to pay all or part of
well as helping former welfare recipients        average processing time for an electronic          the cost of technical or management
become entrepreneurs.                            application is ninety days.                        assistance for individuals or concerns
   Small business represents the “work”                                                             eligible for assistance under sections: 7(a)
side of the welfare to work equation. Small      Paper Applications for 8(a) BD                     (11), 7(j) (10), or 8(a) of the Small Business
firms provide the largest potential source of    Program Certification                              Act. Specifically, the following are eligible
jobs for individuals leaving public               For a paper application, simply send a            to receive management and technical
assistance. By hiring former welfare             written request to:                                assistance including businesses which
recipients, small business owners can tap                                                           qualify as small under 13/CFR part 121 of
into significant wage subsidies and tax          U.S. Small Business Administration                 this title: concerns located in urban or rural
breaks.                                              Associate Administrator for Business           areas with high proportions of
   How will small businesses benefit from            Development                                    unemployed or low-income individuals, or
participating? Businesses will be able to            Office of Business Development
                                                                                                    which are owned by such low-income
hire work ready individuals through                  409 Third St., S.W., 8th Fl.
                                                     Washington, DC 20416                           individuals; and businesses eligible to
service providers and job training
                                                    A paper application will be forwarded to        receive 8(a) contracts.
programs that have tested, screened and
                                                 you. Please complete the paper application            The types of assistance available to
trained them for employment. Upon hiring
                                                 and return it to the above address. Data in        eligible      individuals      through     the
a former welfare recipient, businesses will
                                                                                                    Management and Technical Assistance
receive benefits. Under the Welfare to Work      your application will be retyped in the
                                                                                                    Program include counseling and training in
Tax Credit, employers can complete a few         electronic system, printed out, and sent
                                                                                                    the areas of:
simple forms and receive credits. A number       back to you for verification. If any errors are      •   Finance
of participating states offer additional tax     found, you must return the application to            •   Management
incentives.                                      the SBA with the corrections. They will be           •   Accounting
   They may also offer wage subsidies of         entered into the on-line application, and            •   Bookkeeping
up to 50 percent of a former welfare             another paper copy will be sent to you for           •   Marketing and presentation analysis
recipients salary to employers providing         verification. This process will continue until       •   Advertising
the necessary on-the-job training. For more                                                           •   Loan packaging
                                                 the application contains no errors. At that
information contact:                                                                                  •   Proposal bid preparation
                                                 time, please sign and return the completed           •   Feasibility studies
Kansas City District Office
     1000 Walnut St., Ste. 500                   application to the SBA for processing                •   Industry specific technical assistance
     Kansas City, MO 64106                       within the 90-day timeframe.                         •   The identification and development of
     816-426-4902 • 816-426-4939 Fax                                                                      new business opportunities
                                                 The Mentor-Protégé Program for                        More information is at:
Applying Online For 8(a) Program                 8(a) Participants                        
Certification                                        Through the SBA’s Mentor-Protégé               8abd/grantinfo/index.html.
Prior to applying for the 8(a) Program, each     Program, 8(a) Program participants can
firm is urged to take an on-line training and
self-evaluation course. To get to the course,
                                                 receive in-depth business advice to assist
                                                 them in becoming more competitive in
click on, then choose the            obtaining federal government contracts.            VETERAN-OWNED SMALL
drop-down menu “Services.” Click on
“Contracting Opportunities For Small
                                                 The SBA’s Mentor-Protégé Program                   BUSINESS
                                                 encourages private-sector relationships and           In 1999, public law established federal
Business Owners,” then open the “SBA             broadens efforts to address the needs of           procurement opportunities for veterans
Program Office” listing underneath “Local        clients in the 8(a) Program.                       and service-disabled veterans. In 2003, the
Resources” on the right-hand column.                 If you are an 8(a) participant, mentors        Small       Business    Act    established
From there, click on 8(a) Business Dev.          can provide you with technical and                 procurement vehicles for small businesses
Then from the center area, click on “Apply       management           assistance,    financial      owned and controlled by service-disabled
for 8(a) Business Development Program            assistance in the form of equity investments       veterans.
Certification. The first section of the online   or loans, subcontract support, and                    Contracting officers may award a sole-
course explains the 8(a) Program in detail,      assistance in performing prime contracts           source or set-aside contract to a small
ending in an eligibility self-assessment test.                                                      business owned by a service-disabled
                                                 through joint-venture arrangements with
The test consists of a series of simple yes or                                                      veteran if:
                                                 8(a) businesses.                                     • The business is a responsible contractor
no questions that evaluate the degree to             For     more       information,     visit:         able to perform the contract, and the
which your firm meets the basic                       contracting officer does not reasonably
qualifications for the 8(a) Program. If you      8abd/mentorprogram/index.html.                         expect two or more small businesses
meet the basic eligibility criteria, you will                                                           owned and controlled by service-
be allowed to apply immediately for the                                                                 disabled veterans will submit offers.

Visit us online:                                                                                MISSOURI Small Business Resource —   35
  • The anticipated award price of the                                                                the STTR Program.
    contract (including options) won’t exceed                                                           • Be 51 percent owned and controlled by
    $5.5 million in case of a contract                                                                    one or more individuals who are U.S.
    opportunity assigned a North American                                                                 citizens or permanent resident aliens in
    Industry Classification System code for                                                               the U.S.
    manufacturing; or                                                                                   • Be organized for profit.
  • $3.5 million in the case of any other                                                               • Principal researchers need not be
    contract opportunity;                                                                                 employed by small business.
  • In the estimation of the contracting                                                                • Small business must conduct at least 40
    officer, the contract award can be made at                                                            percent of the work.
    a fair and reasonable price.                                                                        • Company size cannot exceed 500
     Additionally, a contracting officer may                                                              employees. (No size limit for nonprofit
set aside contracts for competition                                                                       research institution).
restricted to small business concerns
owned and controlled by service-disabled                                                              The nonprofit research institution partner
veterans if the contracting officer                  • Company size        cannot    exceed    500    must also meet certain eligibility criteria:
reasonably expects two or more small                   employees.                                       • Be located in the United States and be one
                                                                                                          of the following:
businesses owned and controlled by                   For more information on the SBIR
                                                                                                        • Nonprofit college or university.
service-disabled veterans will submit offers       Program visit               • Domestic         nonprofit        research
and that the award can be made at a fair           programs/sbir/index.html.                              organization.
market price.                                                                                           • Federally funded R&D center.
   Veterans and service-disabled veterans          Participating Agencies:                              • The research institution must conduct at
may participate in all SBA procurement                Each year, the following 11 federal                 least 30 percent of the work.
programs. To determine your eligibility,           departments and agencies are required to
contact your local veterans business               reserve a portion of their R&D funds for           Participating Agencies:
development officer in your nearest SBA            award to small business: Departments of              Each year the following five Federal
district office, visit the various program         Agriculture;     Commerce;      Defense;           departments and agencies are required by
Web sites or contact the SBA’s Office of           Education; Energy; Health and Human                STTR to reserve a portion of their R&D
Veterans Business Development at                   Services;       Homeland        Security;          funds     for     award      to    small                                  Transportation; Environmental Protection           business/nonprofit research institution
                                                   Agency; National Aeronautics and Space             partnerships: Department of Defense;
                                                   Administration; and National Science               Department of Energy; Department of
SMALL BUSINESS                                     Foundation.                                        Health and Human Services; National
INNOVATION                                                                                            Aeronautics and Space Administration;
                                                                                                      and National Science Foundation.
RESEARCH PROGRAM                                   SMALL BUSINESS
   The SBIR Program encourages small               TECHNOLOGY TRANSFER                                TECH-NET
businesses to explore their technological
potential by reserving a specific percentage
                                                   PROGRAM                                               TECH-Net is an Internet-based database
                                                      This STTR program reserves a specific           of information containing Small Business
of federal research and development funds
                                                   percentage of federal R&D funding for              Innovation Research awards and Small
for small businesses. The program serves
                                                   award to small business and nonprofit              Business Technology Transfer awards.
to fund the critical startup and
                                                   research institution partners. Small                  It is a search engine and electronic
development stages for a technology and
                                                   business has long been where innovation            gateway of technology information and
encourages commercialization of the
                                                   and innovators thrive. But the risk and            resources for and about small high-tech
technology, product or service. In turn, this
                                                   expense of conducting serious R&D efforts          businesses. It is a tool for researchers,
stimulates the U.S. economy.
                                                   can be beyond the means of many small              scientists, state, federal and local
                                                   businesses. Conversely, nonprofit research         government officials, a marketing tool for
SBIR Requirements:
                                                   laboratories are instrumental in developing        small firms and a potential “link” to
   Small businesses must meet the
                                                   high-tech innovations. But frequently,             investment opportunities for investors and
following eligibility criteria to participate in
                                                   innovation is confined to the theoretical,         other sources of capital.
the SBIR program.
  • Be 51 percent owned and controlled by          not the practical. STTR combines the                  TECH-Net is a free service for those
    one or more individuals who are U.S.           strengths of both entities by introducing          seeking small business partners, small
    citizens or permanent resident aliens in       entrepreneurial skills to high-tech research       business contractors and subcontractors,
    the U.S. or be a for-profit business           efforts. The technologies and products are         leading edge technology research, research
    concern that is at least 51 percent owned      transferred from the laboratory to the             partners,     (e.g.   small    businesses,
    and controlled by another for-profit                                                              universities, federal labs and non-profit
                                                   marketplace. The small business profits
    business concern that is at least 51 percent
    owned and controlled by one or more            from the commercialization, which, in turn,        organizations), manufacturing centers and
    individuals who are citizens of, or            stimulates the U.S. economy.                       investment opportunities.
    permanent resident aliens in, the U.S.                                                               TECH-Net is available at:
  • Be organized for profit.                       STTR Requirements:                       
  • Principal researcher must be employed             Small businesses must meet the
    by small business.                             following eligibility criteria to participate in

36 — Small Business Resource   MISSOURI                                                                                    Visit us online:
                                                 DISASTER RECOVERY &

           diSaSter aSSiStanCe
                             Knowing the Types of Assistance Available for Recovery
                                                                                                 available elsewhere (the ability to borrow
                                                                                                 or use their own resources to overcome the
                                                                                                    More information on all of SBA’s
                                                                                                 disaster assistance programs is at:
                                                                                                 ce/index.html. Information for military
                                                                                                 reservists called to active duty is at

                                                                                                 Disaster Preparedness
                                                                                                    For small businesses, surviving a
                                                                                                 disaster doesn’t begin with clearing the
                                                                                                 debris and returning to work.
                                                                                                    Surviving begins long before the disaster
                                                                                                 strikes, or before active-duty orders are
            he disaster program is SBA’s         result of the disaster event, is $2 million.    received – with proper planning. Your

T           largest direct loan program,         These working capital loans are intended to     planning should include insurance
            and the only SBA program for         be made to entities without credit              coverage, emergency power, protection of
            entities other than small            elsewhere, as determined by SBA, to help        company records, fire safety, medical
            businesses. SBA is responsible       pay ordinary and necessary operating            emergencies, taking care of your employees
for providing affordable, timely and             expenses that would have been payable           and continuity planning – how your
accessible    financial     assistance    to     barring the disaster event. The limit for       business will continue during and after the
                                                 physical and EIDL loans combined is $2          emergency or disaster.
homeowners, renters, businesses of all sizes
                                                 million.                                           Starting is as easy as clicking on the
and private, non-profit organizations
                                                                                                 SBA’s Disaster Preparedness Web site at:
following declared disasters. By law,
                                                 Military Reservist Economic Injury    
governmental units and agricultural
                                                    Military Reservists Economic Injury          ce/disasterpreparedness/index.html. The site
enterprises are ineligible.
                                                 Disaster Loans, a type of economic injury       includes a wealth of information on the
     The SBA is authorized by the Small
                                                 loan, are available for up to $2 million to     SBA’s disaster recovery programs for
Business Act to make two types of disaster
                                                 assist eligible small businesses meet their     homeowners and renters, and businesses of
loans:                                                                                           all sizes. There are articles on emergency
                                                 ordinary and necessary operating expenses
                                                 that they could have met, but are unable to     planning for disasters, descriptions of
Physical Disaster Loans                          meet, because an essential employee was         SBA’s programs, and links to government
   Physical Disaster Loans are the primary       “called up” to active duty in his/her role as   and industry Web sites with great planning
source of funding for permanent rebuilding       a military reservist. These loans are           information.
and replacement of uninsured or                  intended to provide only the amount of             There is also a link to,
underinsured disaster damages to                 working capital needed by a small business      the Department of Homeland Security’s
privately-owned real and/or personal             to pay its necessary obligations as they        Web site for home and business disaster
property. SBA’s physical disaster loans are      mature until operations return to normal        planning.
available to homeowners, renters,                after the essential employee is released           Small- to medium-sized businesses are
businesses of all sizes and private nonprofit    from active military duty.                      the most vulnerable in an emergency. A
organizations of all sizes. The loan limit for      For all disaster loans, SBA can only         plan can help protect your company and
personal property (for homeowners and            approve loans to applicants having a credit     enhance its potential to recover after an
renters) is $40,000 and the loan limits for      history acceptable to SBA and who also          emergency.
real estate are $200,000 for homeowners          show the ability to repay all loans. The           The      site     contains
and $2 million for businesses.                   terms of each loan are established in           downloadable publications detailing the
                                                 accordance with each borrower’s ability to      planning you’ll need to stay in business
Economic Injury Disaster Loans                   repay. The law gives SBA several powerful       after a disaster strikes. One publication, the
   Economic injury disaster loans provide        tools to make disaster loans affordable:        Ready Business Mentoring Guide – User
the necessary working capital after a            low-interest rates (around 4 percent), long-    Edition, contains worksheets, checklists,
declared disaster until normal operations        terms (up to 30 years), and refinancing of
resume. The law restricts economic injury                                                        testimonials and a sample emergency plan
                                                 prior liens (in some cases). As required by     to use for study. You can order the
disaster loans to small businesses, small
                                                 law, the interest rate for each loan is based   publication or download it free.
agricultural cooperatives and private
                                                 on SBA’s determination of whether each             Planning for a disaster is the best way of
nonprofit organizations of all sizes. The
                                                 applicant does or does not have credit          limiting its effects.
loan limit for economic injury, as a direct

Visit us online:                                                                            MISSOURI Small Business Resource —   37

               watChinG out For You       The SBA is Your Voice in Washington

OFFICE OF ADVOCACY                             jurisdictions    and     small    nonprofit
                                               organizations), and consider regulatory
                                                                                              from small business owners, nonprofit
                                                                                              organizations and small government
  The SBA’s Office of Advocacy, the “small     alternatives that minimize the economic        entities. Comments are forwarded to
business watchdog” of the government,          burden on small entities.                      federal agencies for review, and in some
examines the role and status of small             Advocacy’s mission is enhanced by a         cases fines may be lowered or eliminated
business     in     the    economy       and   team of regional advocates, located in the     and decisions changed in favor of the small
independently represents the views of          SBA’s 10 regions. They are Advocacy’s          business owners. Each year the National
small business to federal agencies,            direct link to small business owners, state    Ombudsman files a report with the U.S.
Congress, the President and federal            and local government entities, and             Congress on the responsiveness of federal
appellate courts as friends of the court.      organizations that support the interests of
Advocacy compiles and interprets statistics                                                   agencies regarding their actions of
                                               small entities. The regional advocates help    regulatory and compliance enforcement on
on small business and is the primary entity    identify regulatory concerns of small
within the federal government to                                                              small businesses.
                                               business by monitoring the impact of              To request help, send the National
disseminate small business data.               federal and state policies at the grassroots
The office is headed by the Chief Counsel                                                     Ombudsman a complete Federal Agency
                                               level.                                         Comment Form. You may do this by fax at
for Advocacy who is appointed by the              Learn more about the Office of Advocacy
President and confirmed by the U.S. Senate.                                                   202-481-5719; online at the Ombudsman’s
  Advocacy also funds outside research of                                                     Web page:
small business issues and produces                                                            sbaprograms/ombudsman/index.html; or by
numerous publications to inform policy         OFFICE OF THE NATIONAL                         mail at 409 Third Street S.W., Mail Code
makers about the important role of small
business in the economy and the impact of
                                               OMBUDSMAN                                      2120, Washington, DC 20416.
                                                                                                 The Ombudsman also coordinates 10
                                                  If excessive fines, penalties or unfair     regional regulatory fairness boards which
government policies on small business. In
                                               regulatory enforcement by federal agencies     meet regularly to receive comments about
addition, the office monitors federal agency
compliance with the Regulatory Flexibility     are problems for your small business, you      federal regulations affecting small
Act – the law that requires agencies to        have a voice in Washington, D.C., through      businesses.
analyze the impact of their proposed           the SBA’s Office of the National                  Learn more about the National
regulations on small entities (including       Ombudsman.                                     Ombudsman from the Web site above or
small businesses, small governmental              The Ombudsman receives comments             call 888-REG-FAIR.
                                               regarding federal regulatory enforcement

38 — Small Business Resource   MISSOURI                                                                           Visit us online:
other aSSiStanCe
                                                                                                                                                       SMALL & HOME BUSINESS CONNECTION
                                                    833 N. Boonville Ave.
                                                                                                    KC BIZCARE
                                                                                                      1118 Oak St.                                       P.O. Box 7604
 ASSISTANCE                                         Springfield, MO 65802
                                                    417-862-9284 • 417-862-1809 Fax
                                                                                                      Kansas City, MO 64106
                                                                                                                                                         Shawnee Mission, KS 66207
                                                                                                                             Networking organization for home-based
 Chambers of Commerce                             CAMDEN COUNTY EXTENSION COUNTY                      KC BizCare is a free business resource,            business owners in the Kansas City area.
    Chambers of Commerce serve as a central         Jacqueline Rasmussen                              advocacy and information center for new            Fosters professional growth through mutual
    location where the local small business         34 Roofener St.                                   and existing businnesses operating within          support, networking and education. Five
    community may obtain information,               Camdenton, MO 65020                               the City of Kansas City, MO. The center            chapters meet monthly. Call for information
    publications and contact information.           573-346-2644 or 573-346-2694                      focuses on helping customers understand            or for a copy of the HBC newsletter.
                                                                       and comply with city regulations.
 KANSAS CoC AND INDUSTRY                                                                                                                               INTERNATIONAL TRADE DEVELOPMENT
   835 S.W. Topeka Blvd.                          State Purchasing Agents                           CITY OF SPRINGFIELD PLANNING                       DIVISION
   Topeka, KS 66612                                                                                 AND DEVELOPMENT DIVISION                             Kansas Department of Commerce and
   785-357-4732                                   STATE OF KANSAS DIVISION                             840 Boonville                                     Housing                               OF PURCHASES                                         Springfield, MO 65802                             700 S.W. Harrison, Ste. 1300
                                                    900 S.W. Jackson                                   417-864-1031                                      Topeka, KS 66603
 MISSOURI STATE CoC                                 Topeka, KS 66612                                   Offers business development assistance            785-296-4027
   428 E. Capitol                                   785-296-2376                                       including the Small Business Loan Program
   Jefferson City, MO 65101                         Central purchasing office for all Kansas           and administers the Enterprise Zone               Provides assistance to Kansas companies
   573-634-3511                                     agencies. A file of all businesses wanting to      program which offers income and property          wishing to begin or expand international
                                                    do business with the State is maintained           tax benefits to businesses starting or            marketing efforts.
 MID-AMERICA TRADE ADJUSTMENT                       according to the products and services each        relocating in specified areas of Springfield.
 ASSISTANCE CENTER (TAAC)                           bidder wishes to sell.                                                                             JOHNSON COUNTY BUSINESS TECH
   664 S.E. Bayberry Ln., Ste. 101                                                                  COMMUNITY DEVELOPMENT                              CENTER
   Lee’s Summit, MO 64063                                                                           CORPORATION OF KANSAS CITY                           9875 Widmer
                                                  STATE OF MISSOURI DIVISION
   816-246-1555 or                                                                                    2420 E. Linwood Blvd., Ste. 110                    Lenexa, KS 66215
                                                  OF PURCHASING
   800-551-TAAC (in MO, KN & AK)                    Office 0f Administration
                                                                                                      Kansas City, MO 64109                              913-438-2282
   816-246-9860 Fax                                                                                   816-924-5800                                       The Tech Center provides consulting
                                                    Truman Bldg., Rm. 580
   TAAC is a nonprofit center funded by the                                                           Microloan assistance (up to $25,000) to            services, administrative support, and
                                                    Jefferson City, MO 95102
   U.S. Dept. of Commerce that assists small to                                                       small businesses located in Cass, Clay,            facilities to start-up and growing
   mid-sized manufacturing firms in Missouri,                                                         Jackson, Platte and Ray counties in                companies that are capable of stimulating
                                                    Coordinates all state purchasing. To bid on
   Kansas and Arkansas who have been                                                                  Missouri. The organization assists                 business activity and employment in
                                                    state contracts, small businesses must have
   impacted by increased import competition.                                                          entrepreneurs with the development of              Johnson County, KS.
                                                    a vendor number. Call or write to request
                                                                                                      business and financial plans and represents
                                                    an application for vendor number.
 SPRINGFIELD AREA CoC                                                                                 them to potential lenders.                       MISSOURI RURAL OPPORTUNITIES
   202 S. John Q. Hammons Pkwy.                                                                                                                        COUNCIL (MDROC)
   Springfield, MO 65801                          Other Resources                                   ENTERPRISE CENTER
                                                                                                                                                         30 W. High, Rm. 770
                                                                                                      1714 N. Prospect Dr./P.O. Box 276
   417-862-5567                                                                                                                                          Jefferson City, MO 65102
                                                  BUSINESS ASSISTANCE CENTER OF                       Macon, MO 63552                                                                                                                            573-751-1238
                                                  KANSAS CITY, MO                                     660-385-6550
                                                    414 E. 14th St.                                   Provides a link between small businesses
 UNIVERSITY OF MISSOURI EXTENSION                                                                                                                      KANSAS TECHNOLOGY ENTERPRISE
                                                    Kansas City, MO 64106                             and potential funding and business
 BUSINESS AND INDUSTRY SPECIALISTS                                                                                                                     CORPORATION
                                                    816-513-2880                                      development resources. Primarily serves
   Clay County Extension Center                                                                                                                          214 W. 6th St., 1st Fl.
                                                    Business development assistance for new           north central Missouri.
   1901 N.E. 48th St.                                                                                                                                    Topeka, KS 66603
   Kansas City, MO 64118                            and expanding small businesses in Kansas
                                                                                                    ENTREPRENEUR DEVELOPMENT CENTER                      785-296-5272
   816-792-7760 • 816-792-7787 Fax                  City.
                                                                                                      Donnelly College                                   KTEC stimulates innovation and
                                                                                                      608 18th St.                                       commercialization of new products through
                                                                                                      Kansas City, KS 66102                              a series of research, development and
   122 Felkins Ave./P.O. Box 598                    4747 Troost Ave.
                                                                                                      913-621-8777                                       financing programs.
   Forsyth, MO 65653                                Kansas City, MO 64110
                                                    816-235-6500 Hotline                              Program provides training and hands-on
   417-546-4431 • 417-546-4457 Fax                                                                                                                     KAUFFMAN CENTER FOR
                                                                        learning to assist small business owners.
                                                                                                      Low-to-moderate income individuals may           ENTREPRENEURIAL LEADERSHIP
 BUCHANAN COUNTY EXTENSION CENTER                   KCSourceLink connects a network of over
                                                                                                      participate at no cost. Offers a number of         4900 Oak St.
   Aline Laing                                      125 nonprofit resource organizations in the
                                                                                                      programs and services.                             Kansas City, MO 64112
   4125 Mitchell Ave./P.O. Box 7077                 Kansas City region that offer business-
   St. Joseph, MO 64507                             building services for small business success.
                                                                                                    FIRST STEP FUND                                      Offers a number of education, training and
   816-279-1691 • 816-279-3982 Fax                  KCSourceLink makes it easy for aspiring,
                                                                                                       4747 Troost                                       research programs for entrepreneurs                              emerging and existing small business
                                                                                                       Kansas City, MO 64110                             nationwide. Sponsors the FastTrac training
                                                    owners to find the right resource at the
                                                                                                       816-235-6116                                      program for both beginning and growing
 PETTIS COUNTY EXTENSION CENTER                     right time. Call the hotline number and
                                                                                                       Offers business and entrepreneurial training      small businesses in a number of locations.
   1012A Thompson Blvd.                             KCSourceLink will connect you to the
                                                    organization that can best support you in          and ongoing support to low-to-moderate
   Sedalia, MO 65301                                                                                                                                   MID-AMERICA MANUFACTURING
                                                    meeting your business challenges.                  income individuals in the Kansas City metro
   660-827-0591 • 660-827-4888 Fax                                                                                                                     TECHNOLOGY CENTER - KANSAS
                                                    KCSourceLink provides these services to            area. Program also offers a microloan
                                                                                                       program, networking and mentoring for             10561 Backley, Ste. 602
 HOWELL COUNTY EXTENSION CENTER                     small business at no cost.
                                                                                                       participants.                                     Overland Park, KS 66212
   Willis Mushrush                                                                                                                                       913-649-4333
   217 S. Aid Ave.                                                                                                                                       Provides a range of services to
   West Plains, MO 65775                                                                                                                                 manufacturing firms, including factory
   417-256-2391 • 417-256-8569 Fax                                                                                                                       automation, cost control, marketing, plant                                                                                                                                 layout and business planning.

Visit us online:                                                                                                                        MISSOURI Small Business Resource —           39
other aSSiStanCe
                                                                                                    MOBERLY AREA COMMUNITY COLLEGE                   Small Business Awards
                                                                                                     Workforce and Techical Education
                                                                                                     101 College Ave.
                                                                                                                                                     Nominate Your Favorite
                                                                                                     Moberly, MO 65270-1304                          Small Business
                                                                                                     660-263-4110                                      The SBA accepts nominations for its annual
                                                                                                     Assists new/existing businesses and               Small Business Awards to be presented
                                                                                                     individuals with business development             during Small Business Week. The awards are
                                                                                                     resources, training and assessments. Also,        given each year to outstanding
                                                                                                     assists companies with training through the       entrepreneurs and dedicated advocates who
                                                                                                     Missouri Customized Training Program.             have used their professional skills and
                                                                                                                                                       talents to increase opportunities for small
                                                                                                    U.S. DEPARTMENT OF COMMERCE                        businesses in Kansas and Missouri.
                                                                                                    U.S. COMMERCIAL SERVICE-
                                                                                                    KANSAS CITY                                        Entrepreneur categories include Small
                                                                                                      911 Main St., Ste. 2509                          Business Person of the Year, Accountant
                                                                                                      Kansas City, MO 64105                            Champion of the Year, Entrepreneurial
                                                                                                      816-421-1876                                     Success, Financial Services Champion of the
                                                                                                                               Year, Home-based Business Advocate of the
                                                                                                      The U.S. Commercial Service in Kansas City       Year, Minority Small Business Champion of
                                                                                                      provides assistance to companies of all          the Year, Small Business Exporter of the
                                                                                                      sizes seeking to begin exporting to expand       Year, SBA Young Entrepreneur of the Year,
                                                                                                      into new international markets, or to            Small Business Journalist of the Year,
                                                                                                      increase their presence in existing markets.     Veteran Small Business Person of the Year
                                                                                                      Services include export counseling, market       and Women in Business Champion of the
                                                                                                      research, identifying trade partners, and        Year. Winners at the local level go on to
                                                                                                      trade education programming.                     compete at the state level, and state
                                                                                                                                                       winners compete at the national level.
                                                                                                    WOMEN’S ENTREPRENEUR PROGRAM
                                                                                                     Avila College                                     For more information, contact the Kansas
                                                                                                     11901 Wornall Rd.                                 City District Office at 816-426-4902 or the
                                                                                                     Kansas City, MO 64145                             Springfield Branch Office at 417-890-8501
                                                                                                     816-942-8400 ext. 2275                            ext. 203.
                                                                                                     Training program for women seeking to
                                                                                                     start or expand a small business. Evening       2009 Kansas City Small
                                                                                                     sessions. Focuses on the completion of a
                                                                                                     business plan.
                                                                                                                                                     Business Week Winners
                                                                                                                                                     2009 KANSAS SMALL BUSINESS PERSON
 MID-AMERICA MANUFACTURING                        MISSOURI FIRST LINKED DEPOSIT                     SBA Women’s Business                             OF THE YEAR
 TECHNOLOGY CENTER - (MAMTC)                      PROGRAM                                           Center                                             Jeri Bartunek
 MISSOURI                                           State Treasurer’s Office                          The SBA Women’s Business Centers provide         Bartunek Technology Group, Inc.
   Lakeside Plaza                                   P.O. Box 210                                      training, counseling, and mentoring services
   1575 N. Universal Ave., Ste. 130                 Jefferson City, MO 65102                          to current and potential women                 2009 REGION VII WOMEN IN BUSINESS
   Kansas City, MO 64120-2143                       800-662-8257                                      entrepreneurs. Recently, grants for two of     CHAMPION
   816-482-1176                                     The State Treasurer provides low-interest,        eight new SBA Women’s Business Centers           Kelly Scanlon
                                                    linked time deposits of state funds to            have been funded in the Kansas City              Thinking Bigger Business Media, Inc.
 MINORITY BUSINESS DEVELOPMENT                      Missouri financial institutions to make           metropolitan area. The SBA Women’s
 CENTER                                             loans to Missouri small businesses that           Business Centers are located at the            2009 REGION VII HOME BASED BUSINESS
   1601 E. 18th St., Ste. 230                       create or retain jobs. Small business             following:                                     CHAMPION OF THE YEAR
   Kansas City, MO 64108                            deposits up to $100,000 and can be                                                                 Richard Gier
   816-274-2301                                     renewed for up to five years. Can be used       KANSAS WOMEN’S BUSINESS CENTER
   Provides management and technical                for a variety of operating expenses.              The Enterprise Center of Johnson County
   assistance. Among the many programs is                                                             8527 Bluejacket
   the Business Incubator which provides          MISSOURI STATE CENSUS DATA CENTER                   Overland Park, KS 66214
   residential and non-residential office space     Missouri State Library                            913-492-5922
   to entrepreneurs.                                600 W. Main St.                                   Serving the state of Kansas.
                                                    Jefferson City, MO 65102                
 MINORITY CONTRACTORS ASSOCIATION                   573-751-0810
   1400 Kansas                                      The Council’s mission is to enhance the
   Kansas City, MO 64127                            quality of life for Missouri women by
   816-231-4400                                     helping them achieve their full potential for
   The Association provides assistance to           the betterment of themselves and their
   minority and women contractors who need          families. Serves as a resource for women
   help in a construction firm.                     business owners.
   3017 Main St., Ste. 100
   Kansas City, MO 64108
   The Council focuses on marketing the
   goods and services of minority suppliers to
   the Kansas City business community.

40 — Small Business Resource         MISSOURI                                                                                                                      Visit us online:
  Participating                        GREAT WESTERN BANK                   UMB BANK, N.A.                   Springfield Branch           GE CAPITAL SMALL BUSINESS
                                         10610 Shawnee Mission                1010 Grand Blvd.                                            FINANCE
  Certified and                          Shawnee, KS 66203                    Kansas City, MO 64106
                                                                                                             Office Participating           635 Maryville Centre, Ste. 120
  Preferred Lenders                      913-901-5102                         816-860-7113                   Certified Lenders              St. Louis, MO 63141
  ADAMS DAIRY BANK                     HAWTHORN BANK                        UNION BANK & TRUST               ARVEST BANK
    651 N.E. Coronado Dr.                132 E. High St.                      P.O. Box 397                     701 S. Main                HAWTHORN BANK
    Blue Springs, MO 64014               Jefferson City, MO 65101             Bonner Springs, KS 66012         Joplin, MO 64801             P.O. Box 688
    816-655-3333                         573-761-6249                         913-667-8651                     417-627-8000                 Jefferson City, MO 65102
  ANB FINANCIAL, N.A.                  INTRUST BANK, N.A.                   UNITED CENTRAL BANK              BANK OF AMERICA, N.A.
    3605 Souther Hills Blvd.             4000 Somerset                        4555 W. Walnut St.               2940 S. Glenstone          LIBERTY BANK
    Rogers, AK 72758                     Prairie Village, KS 66208            Garland, TX 75042                Springfield, MO 65806         4625 S. National
    479-878-3075                         913-385-8200                         972-487-1505                     417-227-6118                  Springfield, MO 65810
    4500 Garnett, Ste. 626             CO.                                    280 Trumbull St.                 P.O. Box 779               REGIONS BANK
    Tulsa, OK 74146                      333 Grandview Pkwy.                  Hartford, CT 06103               Jefferson City, MO 65102     2045 S. Glenstone
    918-631-6803                         Traverse City, MI 49684              860-727-0700                     573-634-1234                 Springfield, MO 65804
                                         231-941-5694                                                                                       417-882-2222
  BANK OF AMERICA                                                           WACHOVIA SMALL BUSINESS          CIT SMALL BUSINESS LENDING
    10850 White Rock Rd.               LIBERTY BANK                         CAPITAL                          CORP.                        U.S. BANK, N.A.
    Rancho Cordova, CA 95670              4625 S. National                    2413 W. Algonquin Rd., #151       650 CIT Dr.                 417 St. Louis
    800-263-2055                          Springfield, MO 65810               Algonquin, IL 60102               Livingston, NJ 07039        Springfield, MO 65806
                                          417-875-6763                        815-788-9759                      973-422-6004                417-868-4400
    1400 River Park Dr.                M&I MARSHALL & ILSLEY BANK           WELLS FARGO SBA LENDING          COMERICA BANK                UMB BANK, N.A.
    Sacramento, CA 95815                770 N. Water St.                     10010 Regency C Cir., 2nd Fl.     500 Woodward Ave.,           1150 E. Battlefield
    916-563-2958                        Milwaukee, WI 53202                  Omaha, NE 68114                   1 Detroit Ctr.               Springfield, MO 65808
                                        414-443-3303                         402-536-2680                      Detroit, MI 48226            417-887-5855
  BANKING & TRUST CO.                                                                                          408-556-5129
    5901 C Peachtree Dunwoody          NATIONAL CITY BANK OF THE                                                                          WELLS FARGO MINNESOTA,
    #420                               MIDWEST                                                               COMMERCE BANK, N.A.          N.A.
    Atlanta, GA 0328                     120 S. Central Ave.                                                   1345 E. Battlefield          612-667-2753
    770-551-8822                         St. Louis, MO 63105                                                   Springfield, MO 65804
                                         314-898-1234                                                          417-837-5239
     12120 State Line Rd./PMB 157      NEWTEK SMALL BUSINESS
     Leawood, KS 66209                 FINANCE
     816-941-2090                        462-7th Ave., 14th Fl.
                                         New York, NY 10018
  COMERICA BANK                          866-639-1835
    Mail Code 6629/POB
    Houston, TX 77210                  PNC BANK, N.A.
    800-925-2160                         16225 Park Ten Place Dr.
                                         Houston, TX 77084
  COMMERCE BANK, N.A.                    281-994-4177
    1000 Walnut/P.O. Box 419248
    Kansas City, MO 64141              PREMIER BANK
    816-234-7388                         15301 W. 87th St. Pkwy.
                                         Lenexa, KS 66219
  COMMUNITY SOUTH BANK                   913-888-8490
    1050 W. Blue Ridge Blvd.
    Kansas City, MO 64145              REGIONS BANK
    816-942-0012                         565 Marriott Dr., Ste. 600
                                         Nashville, TN 37214
  COUNTY CLUB BANK                       615-744-6061
    414 Nichols Rd.
    Kansas City, MO 64112              SUMMIT BANK OF KANSAS CITY
    816-931-4060                         1650 N.E. Grand, Ste. 100
                                         Lee’s Summit, MO 64086
  EMPRISE BANK                           816-251-9000
    257 N. Broadway
    Wichita, KS 67202                  TEMECULA VALLEY BANK
    785-624-6530                         27710 Jeffereson Ave., Ste. A
                                         Temecula, CA 92590
  GE COMPANY S.B. FINANCE                951-506-1283
    7300 College Blvd., Ste. 208
    Overland Park, KS 66210            U.S. BANK/SBA DIVISION
    913-696-6200                         100 7500 College Blvd., Ste. 660
                                         Overland Park, KS 66210

42 — Small Business Resource        MISSOURI                                                                                                    Visit us online:

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