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                                                                              SBA 100
                                                                              page 29
                                                                Counseling             8

                                                                Capital                16

                                                                Contracting            30 • connect with us @
                                                                                                 P R

                                                                                                 Publishers of Small Business Resource

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

                                                                                                  Joe Jensen         
                                                      2012 DALLAS/FORT WORTH

    FEATURES                                                                                      English Small Business Resource Advertising
                                                                                                  Nicky Harvey
                                                                                                  Martha Theriault

    4         Introduction                            29    Meet the SBA 100
                                                                                                  Kenna Rogers  

              4     Administrator’s Letter                                                        Production
              5     Regional Administrator’s Letter   30    Contracting                           Diane Traylor     
              6     Director’s Message                      Applying for Government

    8         Counseling
                                                            30 How Government Contracting
                                                                                                  SBA’s Marketing Office:
                                                                                                  The Small Business Resource Guide is published
              Getting help to start up, market and                                                under the direction of SBA’s Office of Marketing and
                                                            31 SBA Contracting Programs           Customer Service.
              manage your business.                         34 Getting Started in Contracting
              8     SBA Resource Partners                                                         Director of Marketing
              12    SBA’s Online Tools and Training   35    Disaster                              Paula
              13    Reaching Underserved                    Knowing the types of assistance       Panissidi
                    Communities                             available for recovery.               Editorial Content
              14    Are You Right for Small
                    Business Ownership?               36    Advocacy and Ombudsman

              15    Writing a Business Plan                 Watching out for small business       Graphic Design
                                                            interests.                            Gary

    16        Capital
                                                      37    Additional Resources

              Financing options to start or grow                                                  SBA’s participation in this publication is not an
                                                            Taking care of start up logistics.    endorsement of the views, opinions, products or
              your business.                                                                      services of the contractor or any advertiser or other
              16 SBA Business Loans                         40 Business Organization:
                                                                                                  participant appearing herein. All SBA programs
              18 What to Take to the Lender                      Choosing your Structure          and services are extended to the public on a
              23 Small Business Investment                                                        nondiscriminatory basis.
                   Company Program                    41    Other Assistance
                                                                                                  Printed in the United States of America
              24 Small Business Innovation
                   Research Program
              24 Small Business Technology
                                                      44    Lender Listing                        While every reasonable effort has been made
                                                                                                  to ensure that the information contained herein
                   Transfer Program                                                               was accurate as of the date of publication, the
              24 Surety Bond Guarantee                                                            information is subject to change without notice.
                                                                                                  Neither the contractor, the federal government,
                   Program                                                                        or agents thereof shall be held liable for any
              27 SBA Loan Program Chart                                                           damages arising from the use of or reliance on the
                                                                                                  information contained in this publication.

                                                                                                  SBA Publication # MCS-0018

                                                        “Everything you need to know              This publication is provided under SBA Contract
                                                                                                  # SBAHQ11C0005.
                                                           about setting up, marketing
                                                           and managing the revenue of
                                                           your business.    ”

2 — Small Business Resource   DALLAS/FORT WORTH                                                                               Visit us online:
                                                  The U.S. Small Business Administration

                                              F R O M T HE ADM I NI STRATOR
                  Over the past two years, I’ve                            Americans own or work for a small business,
                  met dozens of entrepreneurs                              and two of every three new jobs are created by
                  who used the tools in this                               small businesses.
                  guide – information on capital,
                  contracts, counseling, and more                          In addition to the great information in this
                  – to build their companies and                           guide, check out our online tools. For example,
                  create thousands of good jobs.                           at you can type in your zip
                  You can read similar success                             code and a few details about yourself and your
                  stories in the back of this issue                        business, and you’ll immediately get information
                  as part of the SBA 100, which                            on SBA resources and contacts in your local
we rolled out in August.                                                   area. Also, you can quickly get local permit
                                                                           and licensing information for various types of
Since the credit crisis hit in 2008, the SBA has                           businesses at
supported over $50 billion in lending to small
businesses through programs like 7(a) and 504,                             America’s small businesses are gearing
our top two loan programs. During that same                                up to expand and hire once again. Our
time, SBA counselors have helped more than 2                               commitment at SBA and throughout the Obama
million entrepreneurs and small business owners                            Administration is to make sure they have the
through networks such as our Small Business                                tools they need to stay on that path. Please
Development Centers, Women’s Business                                      feel free to contact your local SBA office if you
Centers, and our SCORE volunteers. And,                                    have any questions. We stand ready to help in
we’ve helped deliver nearly $100 billion each                              whatever way we can.
year in federal contracts into the hands of small
business owners.                                                           Warm regards,

Today, we continue to empower America’s job
creators with highly-targeted programs and
initiatives aimed at helping both Main Street                              Karen G. Mills
small businesses and high-growth small firms.                              Administrator
This work is crucial, because half of working                              Small Business Administration

    About the SBA
    Your Small Business Resource
   Every year, the U.S. Small Business Administration and its nationwide   	   •	 Contracting
   network of partners help millions of potential and current small        	   •	 Disaster	Assistance
   business owners start, grow and succeed.                                	   •	 Advocacy	and	the	Ombudsman

   Resources and programs targeting small businesses provide an            Visit SBA online at for 24/7 access to small business
   advantage necessary to help small businesses compete effectively in     news, information and training for entrepreneurs.
   the marketplace and strengthen the overall U.S. economy.
                                                                           All SBA programs and services are provided on a nondiscriminatory
   SBA offers help in the following areas:                                 basis.
   	 •	 Counseling
   	 •	 Capital

4 — Small Business Resource   DALLAS/FORT WORTH                                                                         Visit us online:
                                         The U.S. Small Business Administration

                                  F R O M T H E R E G I ONAL ADM I NI STRATOR
       Regional Administrator for SBA’s Region VI

                                  he U.S. Small
                         is helping America’s
                         entrepreneurs and small
                                                              businesses during a time when traditional
                                                              credit was frozen. And, the support from the
                                                              lending community has been tremendous
                                                              in helping us provide capital to small
                                                              businesses for our five states representing
                         businesses throughout                Region VI.
                         the U.S. We know that
                         small businesses are                 The SBA wants to make sure small
                         critical to the strength of          businesses know how to do business with
        our economy. SBA is taking an active role             the federal government. And, because of
        to help entrepreneurs and small business              the 19 provisions contained in the Jobs
        owners to start-up, grow and compete                  Act, there are greater opportunities for
        globally.                                             selling your products and services to the
                                                              government which was implemented by
        SBA plays an important part in the success            President Obama.
        of small businesses by providing access to
        capital, counseling, technical assistance,            SBA has a network of counselors
        federal contracting opportunities and                 dedicated to supporting the small business
        exporting assistance.                                 communities: Small Business Development
                                                              Centers, Women Business Centers,
        Small businesses have created 67 percent              SCORE and Veterans Business Outreach
        of private sector jobs over the past 17 years.        Centers. The Jobs Act provided grants to
        And, it is our entrepreneurs and small                Small Business Development Centers to
        business owners that will drive America’s             fund counseling projects in areas such as
        ability to innovate, stay competitive across          exporting to help small businesses start or
        the globe and win the future.                         strengthen their exporting.

        SBA always talks about our three Cs –                 We are confident that the tools and
        capital, contracting and counseling and how           resources SBA has to offer will help
        we are helping entrepreneurs and small                entrepreneurs and small business owners
        business owners. This Resource Guide                  throughout the country. Contact your
        provides information on all of SBA programs           local SBA district office with any additional
        and services available to them.                       questions or visit SBA’s redesigned Web site:
                                                     Also, you can now follow
        The Recovery Act and the Small Business               SBA on Facebook and Twitter.
        Jobs Act signed into law by President
        Obama has provided entrepreneurs                      Warmest Regards,
        and small business owners with greater
        access to capital. In fact through key loan           Yolanda Garcia Olivarez
        enhancements, SBA supported $42 billion               Regional Administrator
        in lending and helped thousands of small              Small Business Administration

Visit us online:                                                   DALLAS/FORT WORTH Small Business Resource —   5
                                                           Message From The District Director

FORT WORTH                                                                           Rules For Success
SBA Staff Listing                                                                    Like today’s small businesses, large corporate success stories                                                                       started with only an entrepreneur and a dream.

District Director
AUSTIN, Herbert         Director           817-684-5502               mall businesses are critical to     In addition to providing loan guarantees,
Vacant                  Deputy Director    817-684-5530
                                                                      the U.S. economy because they       the SBA through its 8(a) contracting
Administration                                                        employ about half of the people     program continues to generate great
BROWN, Arlene           District Support                              working in the private sector       results in terms of federal procurement
                        Assistant          817-684-5541               and play a key role in generating   opportunities for registered firms.
SCHEU, Tena             District Support                  new jobs.
                        Assistant          817-684-2221                                                   Furthermore, the SBA encourages small
URBAN, Debbie           District Support                  Successful small businesses, like large         business owners to grow their volume and
                        Assistant          817-684-5519   corporations, start with an entrepreneur.       customer base beyond the US borders,
Lender Relations
                                                          With creativity, enthusiasm and                 since according to the U.S. International
ESPIE, Perry            Supervisor         817-684-5545   commitment, an entrepreneur can turn            Trade Commission, small- and medium-
BATES, Glen             Program Support    817-684-5504   even a small venture into an impressive         sized businesses account for about 30%
JONES, Annie            Program Support    817-684-5522   business. The mission of the US Small           of all U.S. merchandise exports global
RODRIGUEZ, Willie       Lender Relations                  Business Administration (SBA) is to             market.
                        Specialist         817-684-5514   support small businesses from start-up to
                                                          the realization of their ultimate goals.        The Dallas/Fort Worth District Office
Marketing – Business Development
MEDINA, Bill          Economic Dev.                                                                       encompasses 72 counties in North Texas
                      Specialist           817-684-5517   The SBA provides support in starting            and serves approximately 660,000 small
STANDIFER, Ron        Economic Dev.                       a new business, through the Service             business establishments with a significantly
                      Specialist           817-684-5534   Corps of Retired Executives (SCORE), a          increasing number of minority owned and
                                                          group of about 11,000 volunteer business        women owned businesses. Texas boasts a
8(a) - Business Development                               executives who counsel entrepreneurs in         business-friendly atmosphere for start-up
ALVAREZ, Nancy         Supervisory BOS     817-684-5529   person or online at Also, our
GOREE, Ahmad           Bus. Oppt. Spc.     817-684-5539
                                                                                                          firms. With over 161 lenders contributing
                                                          resource partners, the 20 Small Business        at least one loan each, by the time the
DUFFER, Greg       Bus. Oppt. Spc.         817-684-5550   Development Centers (SBDCs) extend              year will have ended, the Dallas/Fort
MONTGOMERY, Jennie Bus. Oppt. Spc.         817-684-5524   advice in writing a business plan as well       Worth district office would have approved
SCHUFFORD, Glenda  Bus. Oppt. Spc.         817-684-5526   as counseling and training to current and       over 1,710 loans during its 2011 fiscal
                                                          prospective entrepreneurs.                      year for a total dollar value of over $850
Office of Exporting/Importing                                                                             million.
SCHULZE, Rick          Trade Finance Spc. 817-310-3749
                                                          The formation and growth of small
SBA Region VI Staff
                                                          businesses depend critically on access to       We encourage you to explore this
OLIVAREZ, Yolanda       Regional                          credit. To that end, with the guarantees        Resource Guide that constitutes a valuable
                        Administrator      817-684-5580   provided by the SBA, small businesses are       source of information on the SBA and the
DeROUEN, Vickie         Communication                     able to obtain the financing they need,         services extended through its network of
                        Director           817-684-5535   especially when facing tough economic           resource partners.
GEARY, Virginia         Staff Assistant    817-684-5581   times.
Senior Area Counsel                                                                                   Sincerely,
FLATO, Frank M.         Senior Counsel     817-684-5542   While the prolonged economic slump
BAKA, Andrew            District Counsel   817-684-5509   is prompting businesses to tweak their
                                                          business plans, including changes to
Resource Partners                                         marketing strategies, clientele, products
SBDC, Dallas       214-860-5865   and services, the Small Business            Herbert Austin
SBDC, Fort Worth                           817-871-6028   Administration, due to loan enhancements
SCORE, Dallas                              214-987-9491
                                                          provided by the Small Business Jobs         District Director of
SCORE, Fort Worth                          817-871-6002                                               SBA’s Dallas/Fort Worth District Office
                                                          Act, approved over $23 billion in small-
SCORE Counseling Every Tue. and Wed. at the District      business loans during its financial year in
Office – Call 817-871-6002 for Appointment.               2011.

6 — Small Business Resource   DALLAS/FORT WORTH                                                                                Visit us online:
                                                                                                          The SBA helps business
                                                                                                          owners grow and expand
   Doing Business in Dallas/Fort Worth                                                                    their businesses every day.

                                                                                                        Assistance to businesses owned and
                                                                                                        controlled by socially and economically
                                                                                                        disadvantaged individuals through the
                                                                                                        Business Development Program.

                                                                                                        A Women’s Business Ownership
                                                                                                        Representative is available to assist
                                                                                                        women business owners. Please contact
                                                                                                        Glenda Schufford at 817-684-5526.

                                                                                                        Special loan programs are available for
                                                                                                        businesses involved in international
The Dallas/Fort Worth District Office              Financial assistance for new or existing             A Veterans Affairs Officer is available to
is responsible for the delivery of SBA’s           businesses through guaranteed loans                  assist veterans. Please contact Bill Medina
many programs and services. The District           made by area bank and non-bank                       at 817-684-5517.
Office is located at 4300 Amon Carter              lenders.
Boulevard, Suite 114, Fort Worth, TX.
Office hours are from 8:00 AM until 4:30           Free counseling, advice and information
PM, Monday through Friday.                         on starting, better operating or expanding
                                                   a small business is available through
CONTACTING THE DALLAS/FORT WORTH                   SCORE – Counselors to Americas
                                                   Small Business and Small Business
DISTRICT OFFICE                                    Development Centers (SBDCs). They
For program and service information,
                                                   also conduct training events throughout
please contact the Marketing Division,
                                                   the district - some require a nominal
Billy Medina at 817-684-5500. For
                                                   registration fee.
information on financing, please contact
Perry Espie at 817-684-5500.

                                                            SUCCESS STORY                               We Welcome Your
                                                            SBA 100
                                                                                                        For extra copies of this publication or
                                                            Minton’s Sportsplex
                                                                                                        questions please contact:
                                                            Mike Minton
                                                            Texarkana, TX
                                                                                                        Dallas/Fort Worth District Office
                                                                                                        4300 Amon Carter Boulevard, Suite 114
In 1987, Mike Minton founded Minton’s              I focused on families and children and retrofitted   Fort Worth, TX 76155
Sportsplex in a shopping center gym. The           our business plan to meet their needs,” said
company has since grown it into a six-acre,        Minton.                                              Tel: 817-684-5500 Fax: 817-684-5516
70,000-square-foot, sports, health and fitness
complex.                                           In 1993, Minton secured a SBA-guaranteed
                                                   7(a) loan for $360,000 to purchase land and an
The Sportsplex has 9,000 members, has created      additional building. As a result of this loan,
200 jobs, and generates $750,000 in taxes          twenty-four jobs were created. In 2008, although
annually. Minton’s Outdoor aquatic facility        the economy went South, Minton’s Sportsplex
highlights a Caribbean themed water park style     was able to continue prospering and paid off
pool, lap pool, volleyball and basketball courts   their SBA 7(a) loan in full.
and a combo football/soccer field. Minton’s
Sportsplex now includes sports leagues, food       Minton secured a second SBA-guaranteed
service, and a Spa and Hair Salon.                 loan for a $7 million dollar expansion. This
                                                   loan enabled the company to purchase land
In the late 80’s, as tax-free competition from     and building materials. This expansion created
hospitals and Universities began to develop        200 jobs and gave Texarkana the largest most
in Texarkana, Minton realized he would have        comprehensive family-oriented health, fitness,
to make significant changes to survive. “I         and sports complex of its kind. Minton is
was forced to think outside the box. As most       projecting revenue of more that $3 million this
industries went after the baby boom generation,    year.

Visit us online:                                                                            DALLAS/FORT WORTH Small Business Resource —   7
                                Getting Help to Start Up, Market and Manage Your Business
                                                                                                                You can count on SCORE as a trusted
                                                                                                             resource to offer in-depth mentoring,
                                                                                                             sound advice and guidance, and tools
                                                                                                             and resources that can help you succeed
                                                                                                             as a business owner. In fiscal year
                                                                                                             2010, SCORE served over 400,000
                                                                                                             clients through individual counseling,
                                                                                                             workshops and online sessions by
                                                                                                             leveraging the expertise and experience
                                                                                                             of nearly 14,000 business mentors.
                                                                                                             For 24/7 access to advice and online
                                                                                                             webinars on topics such as starting,
                                                                                                             growing, marketing and e-commerce for
                                                                                                             small business, visit SCORE online at

                                                                                                    or call 1-800-624-0245 for
                         very year, the U.S. Small                                                           the office nearest you.
                         Business Administration                                                             Dallas SCORE Chapter 22
                         and its nationwide network               SCORE is a national network of                  Meadows Bldg.
                                                               nearly14,000 entrepreneurs, business               5646 Milton St., Ste. 303
                         of resource partners help                                                                Dallas, TX 75206
                         millions of potential and             leaders and executives who volunteer as
                                                                                                                  214-987-9491 Mon-Fri 9:00-3:00
             existing small business owners start,             mentors to America’s small businesses.
                                                                                                                  Prefer Appointment-Walk-ins Welcome
             grow and succeed.                                 SCORE has helped more than 8.5
                Whether your target market is global           million entrepreneurs nationwide by           Dallas Satellite Locations:
             or just your neighborhood, the SBA and            leveraging decades of expertise from
             its resource partners can help at every           seasoned business professionals to            Allen Chamber of Commerce
                                                               help entrepreneurs start businesses,               210 W. McDermott Dr.
             stage of turning your entrepreneurial
                                                               grow companies and create jobs in local            Allen, TX 75013
             dream into a thriving business.                                                                      972-727-5585
                If you’re just starting, the SBA and           communities.
                                                                                                                  Thursday 12:00-3:00 - Call for Appointment
             its resources can help you with loans                With more than 370 offices
             and business management skills. If                throughout the country, SCORE                 Carrollton Chamber of Commerce
             you’re already in business, you can use           matches you with a mentor whose                    5100 Belt Line Rd., Ste. 430
             the SBA’s resources to help manage                personality, experience, and skills                Dallas, TX 75254
             and expand your business, obtain                  are a good fit for your business needs.            469-587-0420
                                                               Whether you are a start-up business                Monday 12:00-3:00 - Call for Appointment
             government contracts, recover from
             disaster, find foreign markets, and               or growing company, SCORE mentors
                                                               offer free and confidential advice. As        Denton - South Branch Library
             make your voice heard in the federal                                                                 3228 Teasley Ln.
             government.                                       members of your community, SCORE                   Denton, TX 76210
                You can access SBA information                 mentors understand local business                  940-349-8752
             online 24 hours a day at www.sba.                 licensing rules, economic conditions               Wednesday 9:00-12:00 - Call for
             gov or visit one of our local offices for         and lending standards. SCORE also                  Appointment
             assistance.                                       offers local small business workshops
                                                               at modest fees on popular topics such         Duncanville Chamber of Commerce
                                                               as increasing sales, managing cash flow            300 E. Wheatland Rd.
             SBA’S RESOURCE                                    and marketing your business.                       Duncanville, TX 75116
             PARTNERS                                                                                             Thursday 9:00-12:00 - Call for Appointment
                In addition to our district offices which
             serve every state and territory, SBA

             works with a variety of local resource
             partners to meet your small business
             needs. These professionals can help                                                         • You get to be your own boss.
             with writing a formal business plan,                ON THE UPSIDE                           • Hard work and long hours directly benefit you,
             locating sources of financial assistance,                                                     rather than increasing profits for someone else.
             managing and expanding your business,               It’s true, there are a lot of
             finding opportunities to sell your goods            reasons not to start your               • Earnings and growth potential are unlimited.
             or services to the government, and                  own business. But for the
                                                                 right person, the advantages            • Running a business will provide endless
             recovering from disaster. To find your
                                                                                                           variety, challenges and opportunities to learn.
             local district office or SBA resource               of business ownership far
             partner, visit              outweigh the risks.

             8 — Small Business Resource   DALLAS/FORT WORTH                                                                              Visit us online:
Farmers Branch Chamber of Commerce                Irving- Las Colinas Chamber of                  Plano - Collin County Community College
     One Medical Pkwy., Ste. 104                  Commerce                                           4800 Preston Park Blvd., Ste. A-126
     Farmers Branch, TX 75234                        5201 N. O’Connor Blvd., Ste. 100                Plano, TX 75093
     972-243-8966                                    Irving, TX 75039                                972-985-3770
     Wednesday 9:00–12:00 - Call for                 214-217-8484                                    Thurs. 9:00-12:00 & Fri. 12:00-3:00 - Call
     Appointment                                     Wednesday 9:00-2:00 - Call for                  for Appointment
Flower Mound Chamber of Commerce                                                                  Richardson Chamber of Commerce
     700 Parker Sq., Ste. 100                     Lewisville Chamber of Commerce                     411 Belle Grove
     Flower Mound, TX 75028                          551 N. Valley Pkwy.                             Richardson, TX 75080
     972-539-0500                                    Lewisville, TX 75067                            972-795-2800
     Thursday 1:30-4:00 - Call for Appointment       972-436-9571                                    Tuesday 9:00-12:00 - Call for Appointment
                                                     Friday 9:00-1:00 - Call for Appointment
Frisco Chamber of Commerce                                                                        Rowlett - Chamber of Commerce
     6843 Main St.                                McKinney-Chamber of Commerce                       3910 Main St.
     Frisco, TX 75034                                2150 S. Central Expwy., Ste. 150                Rowlett, TX 75088
     972-335-9522                                    McKinney, TX 75070                              972-475-3200
     Wednesday 9:00-12:00 - Call for                 972-542-0163                                    Friday 9:00-12:00 – Call for Appointment
     Appointment                                     Wednesday 1:00-3:00 – Call for
                                                     Appointment                                  Sachse - Chamber of Commerce
Garland – Inwood National Bank                                                                       5941 Hwy. 78
     1200 Main St.                                North Dallas-Chamber of Commerce                   Sachse, TX 75048
     Garland, TX 75041                               10707 Preston Rd.                               972-469-1212
     972-272-7551                                    Dallas, TX 75230                                Wednesday 9:00-3:00 – Call for
     Thursday 9:00-12:00 - Call for Appointment      214-368-6485                                    Appointment
                                                     Friday 9:00-12:00 – Call for Appointment
Import/Export Office                                                                              East Texas SCORE Chapter 280
     8787 N. Stemmons Frwy.                       Oak Cliff-Chamber of Commerce                      1530 S. SW Loop 323, Ste. 100
     Dallas, TX 75247                                400 S. Zang Blvd.                               Tyler, TX 75701
     214-267-2214                                    Dallas, TX 75208                                903-510-2975
     Mon. & Tues. 7:00 – 3:00 and                    214-943-4567                                    Mon-Fri 8:00-5:00 - Call for Appointment
     Wed. 7:00 – 11:30 – Call for Appointment        Thursday 9:00-12:00 – Call for Appointment

Visit us online:                                                                     DALLAS/FORT WORTH Small Business Resource —   9
Fort Worth SCORE Chapter 120                       programs or centers dedicated to these      **Dallas County Community College
    James E. Guinn School Complex                  focus areas.                                (North Texas SBDC (Lead Center)
    1150 S. Frwy., Ste. 108, I-35 @ Rosedale         During the past thirty years, through         Bill J. Priest Institute of El Centro College
    Fort Worth, TX 76104                           a unique mix of federal, state and              Mark Langford, State Director
    817-871-6002                                   private sector resources, the SBDC              1402 Corinth St.
    Mon-Fri 9:00-3:00 - Call for Appointment       program has increased its return on             Dallas, TX 75215
    On-Line Reservation at www.scorefortworth.     investment. Through federal grants,             214-860-5831 • 214-860-5813 Fax
    org                                            SBDCs in every state and territory    
                                                   provide the foundation for the economic     Dallas SBDC
Fort Worth Satellite Locations:                    growth of small businesses. These small         Bill J. Priest Institute
                                                   businesses, in turn, advance local and          Jeff Blatt
Cleburne Chamber of Commerce                       regional economic development through
    1511 W. Henderson St.                                                                          1402 Corinth St.
    Cleburne, TX 76033                             the generation of business revenues, job        Dallas, TX 75215
    817-781-6002                                   creation and job retention. This return         214-860-5865 • 214-860-5867 Fax
    Wed. 9:00–3:00 – Call for Appointment          on investment is demonstrated by fiscal
                                                   2010 outcomes, where SBDCs:
                                                     • Assisted more than 13,600               Fairfield Satellite
Colleyville City Offices                                                                           Bryon Riddle
    100 Main St., 1st Fl.                              entrepreneurs to start new businesses
                                                       – an estimated 37 new business starts       900 W. Commerce
    Colleyville, TX 76034                                                                          Fairfield, TX 75840
    817-871-6002                                       per day.
                                                     • Provided counseling services to over
    Tues. & Wed. 10:00–2:00 – Call for
    Appointment                                        107,000 emerging entrepreneurs and      Garland Chamber Satellite
                                                       nearly 102,000 existing businesses.         520 N. Glenbrook Dr.
Euless Library                                       • Provided training services to               Garland, TX 75040
    201 Ector Dr.                                      approximately 380,000 clients.              214-860-5865 • 214-860-5867 Fax
    Euless, TX 76039                                  The efficacy of the SBDC program
    817-685-1489                                   has been validated by a nationwide          Grayson Satellite: Bonham Service Center
    4th Tues. each month in evenings - Call for    impact study. Of the clients surveyed,          The Rayburn Collegiate Center
    Appointment                                    more than 80 percent reported that the          Karen Stidham
                                                   business assistance they received from          1909 N. Hwy. 121
Fort Worth Small Business                          the SBDC counselor was worthwhile.              Bonham, TX 75418
Administration                                     Similarly, more than 50 percent reported
                                                                                                   903-463-8787 • 903-415-2565 Fax
    4300 Amon Carter Blvd., Ste. 114                                                     
    Fort Worth, TX 76155
                                                   that SBDC guidance was beneficial in
    817-817-6002                                   making the decision to start a business.    Grayson SBDC
    Tues. & Wed. 10:00–2:00                        More than 40 percent of long-term               Grayson County College
    Call for Appointment                           clients, those receiving 5 hours or more        Karen Stidham
                                                   of counseling, reported an increase             6101 Grayson Dr.
North Richland Hills Public Library                in sales and 38 percent reported an             Denison, TX 75020
    9015 Grand Ave., Rm. 232                       increase in profit margins.                     903-463-8787 • 903-415-2565 Fax
    North Richland Hills, TX 76180                    For information on the SBDC
    817-871-6002                                   program, visit To         Kilgore SBDC
    Wed. & Thurs. 2:00–5:00 - Call for             schedule an appointment for counseling          Kilgore College
    Appointment                                    or to see the seminar schedule, contact         Brad Bunt
                                                   the center nearest you from the list            911 N.W. Loop 281, Ste. 209
SMALL BUSINESS                                     below.                                          Longview, TX 75604
                                                                                                   903-757-5857 or 800-338-7232
                                                   Abilene, Texas
DEVELOPMENT CENTERS                                *Texas Tech University SBDC @ Abilene           903-753-7920 Fax
   The Small Business Development                     Judy Wilhelm                       
Center (SBDC) program has been vital                  500 Chestnut, Ste. 601                   McLennan SBDC
to SBA’s entrepreneurial outreach for                 Abilene, TX 79602                            McLennan Community College
more than 30 years. It has become one of              325-670-0300 • 888-670-0300 Fax              Michael Green
the largest professional small business                           1400 College Dr.
management and technical assistance                                                                Waco, TX 76708
networks in the nation. With nearly                Best Southwest SBDC                             254-299-8141 or 800-349-7232
900 locations across the country, SBDCs               Cedar Valley College                         254-299-8054 Fax
                                                      Russell Wyrick
offer free one-on-one expert business                                                    
                                                      207 N. Cannady Dr.
advice and low-cost training by qualified             Cedar Hill, TX 75104                     Mexia Satellite
small business professionals to existing              972-860-7894 • 972-291-1320 Fax              Julio Olvera
and future entrepreneurs.                                                                          405 E. Milam St., Ste. 4B
   The SBDC program includes special               Collin SBDC                                     Mexia, TX 76667
focus areas such as, green business                   Marta Frey                                   254-472-0870
technology, disaster recovery and                     4800 Preston Park Blvd., Ste. 114
preparedness, import and export                       Plano, TX 75093
                                                                                               Navarro SBDC
assistance, veterans assistance,                                                                   Navarro College
                                                      972-985-3770 • 972-985-3775 Fax
                                                                                                   Robin Lasher
procurement assistance, electronic          
                                                                                                   3200 W. 7th Ave.
commerce, technology transfer and                                                                  Corsicana, TX 75110
regulatory compliance. A number                                                                    903-875-7667 • 903-875-7468 Fax
of SBDC networks have specialized                                                        

10 — Small Business Resource   DALLAS/FORT WORTH                                                                         Visit us online:
Navarro Satellite: Ellis County Service      North Richland Hills Satellite            **Speciality Ctr: Center for Government
Center                                       NRH Public Library                        Contracting
     Navarro College at Waxahachie              Timothy Phillips                          Charles Waldrop
     Daniel Short                               9015 Grand Ave., Ste. 228                 1402 Corinth St.
     1900 John Arden Dr.                        North Richland Hills, TX 76180            Dallas, TX 75215
     Waxahachie, TX 75165                       817-427-6850 • 817-332-6417 Fax           214-860-5889 • 214-860-5867 Fax
     972-923-6425 • 972-937-8763 Fax                                            
                                             Northeast Texas SBDC
                                                Tim Wilson
                                                                                       **Speciality Ctr-International Trade SBDC
                                                2886 FM 1735 Chapel Hill Rd.
North Central Texas SBDC                                                                  Lorraine McCord
                                                Mt. Pleasant, TX 75455
     North Central Texas Community College                                                8787 N. Stemmons Frwy., Ste. 240
                                                903-434-8237 • 903-434-4401 Fax
     Cathy Keeler                                                                         Dallas, TX 75247
     1525 W. California                                                                   214-267-2210 or 800-337-7232
     Gainesville, TX 76240                   Northeast/Texarkana Satellite                214-267-2219 Fax
     940-668-4220 • 940-668-6049 Fax            Jim McPhaul                                     2435 Moser St.
                                                Texarkana, TX 75501                    **Speciality Ctr-Risk Management SBDC
North Central Texas Satellite:                  903-832-5565 ext. 3156                    Bill Weddle
Denton Chamber of Commerce                                     1402 Corinth St.
     Pam Livingston                                                                       Dallas, TX 75215
     414 Pkwy.                               Palestine Satellite                          214-860-5821 • 214-860-5867 Fax
     Denton, TX 76201                           Kenneth Bitz                    
     940-380-1849 • 940-382-0040 Fax            Palestine Economic Development Corp.                100 Willow Creek Pkwy., Ste. A         **Speciality Ctr-SBDC for Enterprise
                                                Palestine, TX 75801                    Excellence SBDC
North Central Texas Satellite:                  903-729-4100                              Tom Pryor
Flower Mound Service Center                               7300 Jack Newell Blvd. S.
     Mike Jacob                              Paris SBDC                                   Fort Worth, TX 76118
     1200 Parker Sq.                            Vacant                                    817-272-5930 • 817-272-5998 Fax
     Flower Mound, TX 75028                     2400 Clarksville St.            
     972-899-8420 • 972-899-8401 Fax            Paris, TX 75460                            903-782-0224 • 903-782-0219 Fax

Visit us online:                                                         DALLAS/FORT WORTH Small Business Resource —   11
**Speciality Ctr-Technology Assistance             economically disadvantaged. WBCs             training and peer-networking sessions
SBDC                                               are located in nearly every state and        led by professional instructors and local
    Sergio Bento                                   U.S. territory and are partially funded      economic development organizations.
    1402 Corinth St.                               through a cooperative agreement with         Post-training, social and economic
    Dallas, TX 75215                               the SBA.                                     impact results from responding
    214-860-5709 • 214-860-5882 Fax                   To meet the needs of women                executives who attended the 2008 –
                                                   entrepreneurs, WBCs offer services           2010 training classes indicate:
*Tarleton State University SBDC                    at convenient times and locations,             • More than half of participating
    College of Business Administration             including weekends. Most WBCs are                businesses reported an increase in
    Randy Burch                                    located at non-profit host organizations         revenue, with an average revenue of
    105 N. Stockton, Ste. A                        that offer a wide variety of services in         $1,879,266.
    Granbury, TX 76048                                                                            • Participating businesses averaged
                                                   addition to the services provided by the         $2 million in revenue, with new
    817-573-7681                                WBC. Many of the WBCs also offer                 cumulative financing of $7.2 million
                                                   training and counseling and provide              secured in 2010.
Tarrant SBDC                                       materials in different languages in            • Nearly half of the participants secured
                                                   order to meet the diverse needs of the           federal, state, local and tribal contracts
    Wayne Huddleston                                                                                with a cumulative total of $287
    1150 S. Frwy., Ste. 229                        communities they serve.
    Fort Worth, TX 76104                              WBCs often deliver their services           • Approximately half of the participants
    817-871-6028 • 817-332-6417 Fax                through long term training or group              have hired new workers, creating 275                                   counseling, both of which have shown to          new jobs in 2010.
                                                   be effective. WBC training courses are         • All participants were introduced and
Temple Satellite                                   often free or offered at a small fee. Some       trained on becoming SBA 8(a) certified
    Robert Carlson                                 centers will also offer scholarships based       firms; nearly 25 percent of respondents
    19 N. Main St.                                 on the client’s needs.                           are currently certified as SBA 8(a)
    Temple, TX 76501                                                                                firms, while other participants
                                                      While most WBCs are physically                reported a focused intention on
    254-299-8141                                   located in one designated location, a            applying to the 8(a) program.                                number of WBCs also provide courses            • Nearly 50 percent of participating
                                                   and counseling via the Internet, mobile          respondents were female executives
Trinity Valley SBDC                                classrooms and satellite locations.              and 70 percent were minority business
    Michael Ellsberry                                                                               executives.
                                                      WBCs have a track record of success.
    100 Cardinal Dr.                                                                              • 85 percent of responding executives
    Athens, TX 75751
                                                   In fiscal year 2010, the WBC program             were Satisfied or Very Satisfied with
    903-675-7403 • 903-675-5199 Fax                counseled and trained more than                  the overall training series and results.                              160,000 clients, creating local economic       To find out more about this
                                                   growth and vitality. Of the WBC clients      executive-level training opportunity,
Tyler Small Business Development Center            who have received 3 or more hours of
                                                                                                please visit for
    Donald Proudfoot                               counseling, 15 percent indicated that
                                                   the services led to hiring new staff, 34     host cities, training schedules, and
    1530 South S.W. Loop 323, #100
    Tyler, TX 75701                                percent indicated that the services led      selection criteria.
    903-510-2975 • 903-510-2972 Fax                to an increased profit margin, and 47                              percent indicated that the services led to   SBA’S ONLINE TOOLS AND
UTA Arlington Innovation Center
                                                   an increase in sales.
                                                      In addition, the WBC program has          TRAINING
    Myron Pullum                                   taken a lead in preparing women                SBA’s Small Business Training
    202 E. Border St., Ste. 132                    business owners to apply for the             Network is a virtual campus complete
    Arlington, TX 76010                            Women-Owned Small Business                   with free online courses, workshops,
    817-871-6028 • 817-332-6417 Fax                (WOSB) Federal Contract program              podcasts, learning tools and business-
                                                   that authorizes contracting officers to      readiness assessments.
Wichita Falls, Texas                               set aside certain federal contracts for
*Midwestern State University                                                                    Key Features of the Small Business
                                                   eligible women-owned small businesses        Training Network:
    Vanda Wright
    Administration Bldg.                           or economically disadvantaged women-           Training is available anytime and
    3410 Taft Blvd.                                owned small businesses. For more             anywhere—all you need is a computer
    Wichita Falls, TX 76308                        information on the program, visit            with Internet access.
    940-397-4372                                                       • More than 30 free online courses and                                   To find the nearest SBA WBC, visit            workshops are available.
                                                                      • Templates and samples to get your
                                                                                                    business planning underway.
    *Sub-centers of Northwest Texas SBDC                                                          • Online, interactive assessment tools
     Region in Lubbock, TX
    **SBDC Specialty Centers                       EMERGING LEADERS                                 are featured and used to direct clients
                                                                                                    to appropriate training.
                                                      SBA’s Emerging Leaders initiative            Course topics include a financial
                                                   is currently hosted in 27 markets
WOMEN’S BUSINESS CENTERS                           across the country using a national
                                                                                                primer keyed around SBA’s loan-
                                                                                                guarantee programs; a course on
   The SBA’s Women Business                        demonstrated research-based                  exporting; courses for veterans and
Center (WBC) program is a network                  curriculum that supports the growth          women seeking federal contracting
of approximately 110 community-                    and development of small firms that          opportunities; and an online library
based centers which provide business               have substantial potential for expansion     of podcasts, business publications,
training, coaching, mentoring and                  and community impact. A competitive          templates and articles.
other assistance geared toward women,              selection process results in firm               Find these free resources at
particularly those who are socially and            executives participating in high-level

12 — Small Business Resource   DALLAS/FORT WORTH                                                                      Visit us online:
                                  REACHING UNDERSERVED COMMUNITIES
   SBA also offers a number of programs        SBA is committed to reaching               employee is called to active duty. The
specifically designed to meet the needs     out to faith based and community              Military Reservist Economic Injury
in the underserved communities.             organizations that are eligible to            Disaster Loan Program (MREIDL)
                                            participate in the agency’s programs by       provides loans up to $2 million to eligible
WOMEN BUSINESS OWNERS                       informing their congregants, members
                                            and neighbors about SBA’s programs.
                                                                                          small businesses to cover operating costs
                                                                                          that cannot be met due to the loss of an
   Women entrepreneurs are changing         In particular, many faith-based and           essential employee called to active duty
the face of America’s economy. In the       community non-profit organizations            in the Reserves or National Guard.
1970s, women owned less than five           can provide a local financing option            Among the SBA’s unique services for
percent of the nation’s businesses.         for entrepreneurs by becoming SBA             veterans are: an Entrepreneurship Boot
   Today, they are majority owners          Microloan Intermediaries. An SBA              Camp for Veterans with Disabilities in
of about a third of the nation’s small      Microloan Intermediary often acts as
businesses and are at least equal owners                                                  partnership with 6 top U.S. universities
                                            a bank for entrepreneurs and small            (, a program
of about half of all small businesses.
                                            businesses that might otherwise be            to reach women veteran-entrepreneurs
SBA serves women entrepreneurs
                                            unable to find access to capital.             (, and a
nationwide through its various programs
and services, some of which are designed                                                  program for Reserve Component family
especially for women.                       VETERANS AND RESERVISTS                       members called Operation Endure
   The SBA’s Office of Women’s Business     BUSINESS DEVELOPMENT                          and Grow (
Ownership (OWBO) serves as an
                                              To ensure that veterans, service-             For more information about small
advocate for women-owned businesses.
                                            disabled veterans and Reserve and             business lending programs for veteran
OWBO oversees a nationwide network
of 110 women’s business centers that        National Guard member entrepreneurs           business owners and Reserve or
provide business training, counseling       receive special consideration in all of       Guard members who are activated,
and mentoring geared specifically to        SBA’s entrepreneurial programs and            including Patriot Express, microloans,
women, especially those who are socially    resources, the SBA has established            and Advantage loans, see the section
and economically disadvantaged. The         an Office of Veterans Business                on Access to Capital. To learn more
program is a public-private partnership     Development (OVBD). Each year,                about the Veterans Business Outreach
with locally-based nonprofits.              OVBD reaches thousands of veterans,           program or find the nearest SBA VBOC,
   Women’s Business Centers serve           Reserve Component members,                    visit the SBA Web site at
a wide variety of geographic areas,         transitioning service members and   
population densities, and economic          others who are – or who want to
environments, including urban,              become – entrepreneurs and small
suburban, and rural. Local economies        business owners. OVBD develops and            NATIVE AMERICAN BUSINESS
vary from depressed to thriving, and        distributes informational materials for       DEVELOPMENT
range from metropolitan areas to            entrepreneurship such as the Veterans            The SBA Office of Native American
entire states. Each Women’s Business        Business Resource Guide, VETGazette,          Affairs (ONAA) ensures American
Center tailors its services to the needs    and Getting Veterans Back to Work. In         Indians, Alaska Natives and Native
of its individual community, but all        addition, there are 16 Veterans Business      Hawaiians seeking to create, develop
offer a variety of innovative programs,     Outreach Centers strategically located        and expand small businesses have
often including courses in different        throughout the country that provide           full access to the necessary business
languages. They provide training in         both online and in-person training,           development and expansion tools
finance, management, marketing, and         counseling, mentoring, workshops,             available through the agency’s
the Internet, as well as access to all of   referrals, and more. Each of the SBA’s        entrepreneurial development, lending,
the SBA’s financial and procurement         68 District Offices also has a designated     and contracting programs. ONAA
assistance programs.                                                                      provides a network of training (including
                                            veteran’s business development officer.
                                              The SBA offers special assistance for       the online tool “Small Business
CENTER FOR FAITH-BASED AND                  small businesses owned by activated           Primer: Strategies for Growth”) and
NEIGHBORHOOD PARTNERSHIPS                   Reserve and National Guard members.           counseling services and engages in
                                                                                          numerous outreach activities, such as
                                            Any self-employed Reserve or Guard
   Faith-based and Neighborhood                                                           tribal consultations, development and
                                            member with an existing SBA loan can
Partnerships know their communities,                                                      distribution of educational materials,
and they have earned their people’s         request from their SBA lender or SBA
                                            district office loan payment deferrals,       attendance and participation in
trust. Because of their credibility,                                                      economic development events and
they are uniquely positioned to build       interest rate reductions and other relief
                                                                                          assisting these small businesses with
awareness of programs that encourage        after they receive their activation orders.
                                                                                          SBA programs.
entrepreneurship, economic growth and       In addition, the SBA offers special
                                                                                             More information is at
job creation.                               low-interest-rate financing to small
                                            businesses when an owner or essential

Visit us online:                                                            DALLAS/FORT WORTH Small Business Resource —   13
     Most new business owners who
  succeed have planned for every phase
                                                       own shoulders. Strong motivation
                                                       will help you survive slowdowns and
                                                                                                 HOME-BASED BUSINESSES
                                                       periods of burnout.                          Going to work used to mean
  of their success. Thomas Edison, the
                                                     • How will the business affect              traveling from home to a plant, store or
  great American inventor, once said,
                                                       your family? The first few years of       office. Today, many people do some or
  “Genius is 1 percent inspiration and                                                           all their work at home.
                                                       business start-up can be hard on
  99 percent perspiration.” That same
                                                       family life. It’s important for family
  philosophy also applies to starting a                members to know what to expect            Getting Started
  business.                                            and for you to be able to trust that         Before diving headfirst into a home-
     First, you’ll need to generate a little           they will support you during this         based business, you must know why
  bit of perspiration deciding whether                 time. There also may be financial         you are doing it. To succeed, your
  you’re the right type of person to start             difficulties until the business becomes   business must be based on something
  your own business.                                   profitable, which could take months       greater than a desire to be your
                                                       or years. You may have to adjust to a     own boss. You must plan and make
  IS ENTREPRENEURSHIP FOR                              lower standard of living or put family
                                                       assets at risk.
                                                                                                 improvements and adjustments along
                                                                                                 the road.
  YOU?                                               Once you’ve answered those                     Working under the same roof where
     There is simply no way to eliminate           questions, you should consider what           your family lives may not prove to be
  all the risks associated with starting           type of business you want to start.           as easy as it seems. One suggestion is
  a small business, but you can improve            Businesses can include franchises,            to set up a separate office in your home
  your chances of success with good                at-home businesses, online businesses,        to create a professional environment.
  planning, preparation, and insight.              brick-and-mortar stores or any                Ask yourself these questions:
  Start by evaluating your strengths               combination of those.                           • Can I switch from home
                                                                                                     responsibilities to business work
  and weaknesses as a potential owner                                                                easily?
  and manager of a small business.                 FRANCHISING                                     • Do I have the self-discipline to
  Carefully consider each of the following                                                           maintain schedules while at home?
                                                      There are more than 3,000 business           • Can I deal with the isolation of
                                                   franchises. The challenge is to decide            working from home?
    • Are you a self-starter? It will be
      entirely up to you to develop projects,      on one that both interests you and is
      organize your time, and follow               a good investment. Many franchising           Legal Requirements
      through on details.                          experts suggest that you comparison              A home-based business is subject to
    • How well do you get along with               shop by looking at multiple franchise         many of the same laws and regulations
      different personalities? Business            opportunities before deciding on the          affecting other businesses.
      owners need to develop working               one that’s right for you.                     Some general areas include:
      relationships with a variety of                 Some of the things you should                • Zoning regulations. If your business
      people including customers, vendors,         look at when evaluating a franchise:              operates in violation of them, you
      staff, bankers, employees, and               historical profitability, effective               could be fined or shut down.
      professionals such as lawyers,                                                               • Product restrictions. Certain
                                                   financial management and other
      accountants, or consultants. Can                                                               products cannot be produced in the
                                                   controls, a good image, integrity and             home. Most states outlaw home
      you deal with a demanding client,            commitment, and a successful industry.
      an unreliable vendor, or a cranky                                                              production of fireworks, drugs,
                                                      In the simplest form of franchising,           poisons, explosives, sanitary or
      receptionist if your business interests
                                                   while you own the business, its                   medical products and toys. Some
      demand it?
    • How good are you at making                   operation is governed by the terms of             states also prohibit home-based
      decisions? Small business owners are         the franchise agreement. For many,                businesses from making food, drink
      required to make decisions constantly        this is the chief benefit for franchising.        or clothing.
      – often quickly, independently, and          You are able to capitalize on a business         Be sure to consult an attorney and
      under pressure.                              format, trade name, trademark and/            your local and state departments
    • Do you have the physical and                 or support system provided by the             of state, labor and health to find
      emotional stamina to run a                   franchisor. But you operate as an             out which laws and regulations will
      business? Business ownership can             independent contractor with the ability       affect your business. Additionally,
      be exciting, but it’s also a lot of work.    to make a profit or sustain a loss            check on registration and accounting
      Can you face six or seven 12–hour            commensurate with your ownership.             requirements needed to open your
      workdays every week?                            If you are concerned about starting        home-based business. You may need
    • How well do you plan and                     an independent business venture, then         a work certificate or license from the
      organize? Research indicates that
                                                   franchising may be an option for you.         state. Your business name may need
      poor planning is responsible for most
      business failures. Good organization
                                                   Remember that hard work, dedication           to be registered with the state. A
      — of financials, inventory, schedules,       and sacrifice are key elements in             separate business telephone and bank
      and production — can help you avoid          the success of any business venture,          account are good business practices.
      many pitfalls.                               including a franchise.                           Also remember, if you have
    • Is your drive strong enough?                    For more information visit                 employees you are responsible for
      Running a business can wear you                            withholding income and social-
      down emotionally. Some business                                                            security taxes, and for complying with
      owners burn out quickly from having                                                        minimum wage and employee health
      to carry all the responsibility for the                                                    and safety laws.
      success of their business on their

14 — Small Business Resource   DALLAS/FORT WORTH                                                                      Visit us online:

      After you’ve thought about what                                                                                               •
   type of business you want, the
   next step is to develop a business
   plan. Think of the business plan
   as a roadmap with milestones
   for the business. It begins as a
   pre-assessment tool to determine
   profitability and market share, then
   expands as an in-business assessment
   tool to determine success, obtain
   financing and determine repayment
   ability, among other factors.
      Creating a comprehensive business
   plan can be a long process, and you
   need good advice. The SBA and its
   resource partners, including Small
   Business Development Centers,
   Women’s Business Centers, Veterans
   Business Outreach Centers, and
   SCORE, have the expertise to help you
   craft a winning business plan. SBA
   also offers online templates to get you    Marketing                                      Provide projected income statements,
   started.                                    • Discuss the products and services
                                                                                             and balance sheets for a two-year
      In general, a good business plan           your company will offer.
   contains:                                   • Identify customer demand for your
                                                                                         •   Discuss your break-even point.
                                                 products and services.
   Introduction                                                                          •   Explain your personal balance sheet
                                               • Identify your market, its size and
      • Give a detailed description of the                                                   and method of compensation.
        business and its goals.                                                          •   Discuss who will maintain your
                                               • Explain how your products and
      • Discuss ownership of the business                                                    accounting records and how they will
                                                 services will be advertised and
        and its legal structure.                                                             be kept.
      • List the skills and experience you                                               •   Provide “what if” statements
                                               • Explain your pricing strategy.
        bring to the business.                                                               addressing alternative approaches to
      • Discuss the advantages you and your   Financial Management                           potential problems.
        business have over competitors.        • Develop an expected return on
                                                 investment and monthly cash flow for
                                                                                         • Explain how the business will be
                                                 the first year.
                                                                                           managed day-to-day.
                                                                                         • Discuss hiring and personnel
                                                                                         • Discuss insurance, lease or rent
                                                                                           agreements, and issues pertinent to
                                                                                           your business.
                                                                                         • Account for the equipment necessary
                                                                                           to produce your goods or services.
                                                                                         • Account for production and delivery
                                                                                           of products and services.

                                                                                        Concluding Statement
                                                                                           Summarize your business goals
                                                                                        and objectives and express your
                                                                                        commitment to the success of your
                                                                                        business. Once you have completed
                                                                                        your business plan, review it with
                                                                                        a friend or business associate and
                                                                                        professional business counselor
                                                                                        like SCORE, WBC or SBDC
                                                                                        representatives, SBA district office
                                                                                        business development specialists
                                                                                        or veterans business development
                                                                                           Remember, the business plan is a
                                                                                        flexible document that should change
                                                                                        as your business grows.

Visit us online:                                                           DALLAS/FORT WORTH Small Business Resource —   15
                                         Financing Options to Start or Grow Your Business
                                                                                                              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.
                                                                                                              To qualify for an SBA loan, a small
                                                                                                           business must meet the lender’s
                                                                                                           criteria and the 7(a) requirements. In
                                                                                                           addition, the lender must certify that it
                                                                                                           would not provide this loan under the

                                                                                                           proposed terms and conditions unless
                                                                                                           it can obtain an SBA guaranty. If the
                        any entrepreneurs need               resources will be needed to accomplish
                                                                                                           SBA is going to provide a lender with
                        financial resources to start         the desired business purpose including
                                                                                                           a guaranty, the applicant must be
                        or expand a small business           the associated costs, the applicants’         eligible and creditworthy and the loan
                        themselves and must                  contribution, use of loan proceeds,           structured under conditions acceptable
                        combine what they have               collateral, and, most important, an           to SBA.
          with other sources of financing. These             explanation of how the business will
          sources can include family and friends,            be able to repay the loan in a timely         Percentage of Guaranties and Loan
          venture-capital financing, and business            manner.                                       Maximums
          loans.                                                The lender will analyze the                   The SBA only guarantees a portion of
             This section of the Small Business              application to see if it meets the lender’s   any particular loan so each loan will also
          Resource guide discusses SBA’s primary             criteria and SBA’s requirements. SBA          have an unguaranteed portion, giving
          business loan and equity financing                 will look to the lender to do much, if not    the lender a certain amount of exposure
          programs. These are: the 7(a) Loan                 all, of the analysis before it provides       and risk on each loan. The percentage
          Program, the Certified Development                 its guaranty on the lender’s loan. In         SBA guarantees depends on either the
          Company or 504 Loan Program, the                   the case of microlenders SBA loans            dollar amount or the program the lender
          Microloan Program and the Small                    these intermediaries funds at favorable       uses to obtain its guaranty. For loans of
          Business Investment Company                        rates to re-lend to businesses with           $150,000 or less the SBA may guaranty
          Program. The distinguishing features               financing needs up to $50,000. The            as much as 85 percent and for loans
          for these programs are the total dollar            SBA’s business loan programs provide a        over $150,000 the SBA can provide a
          amounts that can be borrowed, the type             key source of financing for viable small      guaranty of up to 75 percent.
          of lenders who can provide these loans,            businesses that have real potential              The maximum 7(a) loan amount
          the uses for the loan proceeds, and the            but cannot qualify for ong-term, stable       is $5 million. (Loans made under
          terms placed on the borrower.                      financing.                                    the SBAExpress program, which is
             Note: The SBA does not offer grants                                                           discussed later in this section, have a 50
          to individual business owners to start or
          grow a business.                                   7(a) LOAN PROGRAM                             percent guaranty.)
                                                                The 7(a) Loan program is the SBA’s         Interest Rates and Fees
          SBA BUSINESS LOANS                                 primary business loan program. It
                                                             is the agency’s most frequently used
                                                                                                             The actual interest rate for a 7(a)
                                                                                                           loan guaranteed by SBA is negotiated
             If you are contemplating a business             non-disaster financial assistance             between the applicant and lender and
          loan, familiarize yourself with the                program because of its flexibility in         subject to SBA maximums. Both fixed
          SBA’s business loan programs to see                loan structure, variety of loan proceed       and variable interest rate structures
          if they may be a viable option. Keep               uses, and availability. The program has       are available. The maximum rate is
          in mind the dollar amount you seek to

                                                             broad eligibility requirements and credit     comprised of two parts, a base rate and
          borrow and how you want to use the                 criteria to accommodate a wide range of       an allowable spread. There are three
          loan proceeds. The three principal                 financing needs.                              acceptable base rates (Wall Street
          players in most of these programs are                 The business loans that SBA                Journal Prime*, London Interbank One
          the applicant small business, the lender           guarantees do not come from the               Month Prime plus 3 percent, and an
          and the SBA. SBA guarantees a portion              agency, but rather from banks and other       SBA Peg Rate). Lenders are allowed
          of the loan (except for Microloans).               approved lenders. The loans are funded        to add an additional spread to the base
          The business should have its business              by these organizations, and they make         rate to arrive at the final rate. For
          plan prepared before it applies for a              the decisions to approve or not approve       loans with maturities of less than seven
          loan. This plan should explain what                the applicants’ requests.                     years, the maximum spread will be no

          16 — Small Business Resource   DALLAS/FORT WORTH                                                                      Visit us online:
more than 2.25 percent. For loans with        charge the borrower a prepayment fee          SBA Size Standards:
maturities of seven years or more, the        if the loan has a maturity of 15 or more        • Manufacturing — from 500 to no more
maximum spread will be 2.75 percent.          years and is pre-paid during the first            than 1,500 employees
The spread on loans under $50,000             three years.                                    • Wholesaling — No more than 100
and loans processed through Express                                                             employees
                                                                                              • Services — from $4.5 million to no
procedures may be higher.                     Collateral                                        more than $35.5 million in average
   Loans guaranteed by SBA are                   The SBA expects every 7(a) loan to             annual receipts
assessed a guaranty fee. This fee is          be fully secured, but the SBA will not          • Retailing — from $7 million to no more
based on the loan’s maturity and the          decline a request to guaranty a loan if           than $35.5 million in average annual
dollar amount guaranteed, not the             the only unfavorable factor is insufficient       receipts
total loan amount. The guaranty fee is        collateral, provided all available              • General construction — from $7
generally paid by the borrower and can        collateral is offered. What these two             million to no more than $33.5 million
be included in the loan proceeds.             policies mean is that every SBA loan              in average annual receipts
   On any loan with a maturity of one         is to be secured by all available assets        • Agriculture — from $750,000 to no
                                                                                                more than $17.5 million in average
year or less, the fee is just 0.25 percent    (both business and personal) until the            annual receipts
of the guaranteed portion of the loan.        recovery value equals the loan amount           There is also an alternate size
On loans with maturities of more than         or until all assets have been pledged         standard that is based on a net worth
one year, the normal guaranty fee is 2        to the extent that they are reasonably        ($15 million or less) and average net
percent of the SBA guaranteed portion         available. Personal guaranties are            income ($5 million or less). This new
on loans up to $150,000; 3 percent on         required from all the principal owners of     alternate makes more businesses eligible
loans over $150,000 but not more than         the business. Liens on personal assets of     for SBA loans and applies to all SBA
$700,000; and 3.5 percent on loans over       the principals may be required.               non-disaster loan programs.
$700,000. There is also an additional
fee of 0.25 percent on any guaranteed         Eligibility                                   Nature of Business
portion over $1 million.                         7(a) loan eligibility is based on four        The second eligibility factor is based
* All references to the prime rate refer      different factors. The first is size, as      on the nature of the business and the
to the base rate in effect on the first       all loan recipients must be classified        process by which it generates income or
business day of the month the loan            as “small” by SBA. The basic size             the customers it serves. The SBA has
application is received by SBA.               standards are outlined below. A more          general prohibitions against providing
                                              in-depth listing of standards can be          financial assistance to businesses
7(a) Loan Maturities                          found at                    involved in such activities as lending,
  SBA loan programs are generally
intended to encourage longer term small
business financing, but actual loan
maturities are based on the ability to
repay, the purpose of the loan proceeds
and the useful life of the assets financed.
However, maximum loan maturities
have been established: 25 years for real
estate; up to 10 years for equipment
(depending on the useful life of the
equipment); and, generally, up to seven
years for working capital. Short-term
loans and revolving lines of credit are
also available through the SBA to help
small businesses meet their short-term
and cyclical working capital needs.

   Most 7(a) loans are repaid with
monthly payments of principal and
interest. For fixed-rate loans the
payments stay the same, whereas
for variable rate loans the lender can
re-establish the payment amount
when the interest rates change or at
other intervals, as negotiated with
the borrower. Applicants can request
that the lender establish the loan with
interest-only payments during the
start-up and expansion phases (when
eligible) to allow the business time to
generate income before it starts making
full loan payments. Balloon payments
or call provisions are not allowed on any
7(a) loan. The lender may not charge a
prepayment penalty if the loan is paid
off before maturity, but the SBA will

Visit us online:                                                              DALLAS/FORT WORTH Small Business Resource —   17
 What To Take To The Lender                                                                       speculating, passive investment,
                                                                                                  pyramid sales, loan packaging,
    Documentation requirements may                 For the Standard, Certified and                presenting live performances of a
  vary; contact your lender for the                Preferred methods, the applicant               prurient sexual nature, businesses
  information you must supply.                     fills out SBA Form 4, and the lender           involved in gambling and any illegal
  Common requirements include the                  completes SBA Form 4-1. When                   activity.
  following:                                       requests for guarantees are processed             The SBA also cannot offer loan
     • Purpose of the loan                         using Express or Advantage methods,            guaranties to non-profit businesses,
     • History of the business                                                                    private clubs that limit membership on
                                                   the applicant uses more of the regular
     • Financial statements for three years                                                       a basis other than capacity, businesses
                                                   forms of the lender and just has a few
       (existing businesses)                                                                      that promote a religion, businesses
     • Schedule of term debts (existing            federal forms to complete. When SBA            owned by individuals incarcerated or
       businesses)                                 receives a request that is processed           on probation or parole, municipalities,
     • Aging of accounts receivable and            through Standard or Certified                  and situations where the business or
       payable (existing businesses)               Lender Program procedures, it either           its owners previously failed to repay
     • Projected opening-day balance sheet         reanalyzes or reviews the lender’s
       (new businesses)
                                                                                                  a federal loan or federally assisted
                                                   eligibility and credit analysis before         financing.
     • Lease details
     • Amount of investment in the business
                                                   deciding to approve or reject. For
       by the owner(s)                             requests processed through Preferred           Use of Proceeds
     • Projections of income, expenses and         Lender Program or Express programs,               The third eligibility factor is use of
       cash flow as well as an explanation of      the lender is delegated the authority to       proceeds. 7(a) proceeds can be used
       the assumptions used to develop these       make the credit decision without SBA’s         to make leasehold improvements
       projections                                 concurrences, which helps expedite the         or purchase machinery; equipment;
     • Personal financial statements on the                                                       fixtures; supplies; or land and/or
                                                   processing time.
       principal owners                                                                           buildings that will be occupied by the
     • Resume(s) of the principal owners and           In guaranteeing the loan, the SBA
       managers.                                   assures the lender that, in the event the      business borrower.
                                                   borrower does not repay the loan, the          Proceeds can also be used to:
                                                   government will reimburse the lending            • Expand or renovate facilities;
  How the 7(a) Program Works                                                                        • Acquire machinery, equipment,
     Applicants submit their loan                  institution for a portion of its loss. By          furniture, fixtures and leasehold
  application to a lender for the initial          providing this guaranty, the SBA is                improvements;
  review. The lender will generally review         able to help tens of thousands of small          • Finance receivables and augment
  the credit merits of the request before          businesses every year get financing                working capital;
                                                                                                    • Finance seasonal lines of credit;
  deciding if they will make the loan              they might not otherwise obtain.                 • Acquire businesses;
  themselves or if they will need an SBA               After SBA approval, the lender               • Start up businesses;
  guaranty. If a guaranty is required,             is notified that its loan has been               • Construct commercial buildings; and
  the lender will also review eligibility.         guaranteed. The lender then will                 • Refinance existing debt under certain
  The applicant should be prepared to              work with the applicant to make sure               conditions.
  complete some additional documents               the terms and conditions are met                  SBA 7(a) loan proceeds cannot be used
  before the lender sends the request              before closing the loan, disbursing the        for the purpose of making investments.
  for guaranty to the SBA. Applicants                                                             SBA proceeds cannot be used to
                                                   funds, and assuming responsibility
  who feel they need more help with the                                                           provide funds to any of the owners
                                                   for collection and general servicing.
  process should contact their local SBA                                                          of the business except for ordinary
                                                   The borrower makes monthly loan                compensation for actual services
  district office or one of SBA’s resource         payments directly to the lender. As with
  partners for assistance.                                                                        provided.
                                                   any loan, the borrower is responsible for
     There are several ways a lender               repaying the full amount of the loan in
  can apply for a 7(a) guaranty from                                                              Miscellaneous Factors
                                                   a timely manner.                                  The fourth factor involves a variety
  SBA. The main differences between
  these methods are related to the                                                                of requirements such as SBA’s credit
  documentation the lender provides, the           What the SBA Looks for:                        elsewhere test and utilization of
                                                     • Ability to repay the loan on time from     personal assets requirements, where the
  amount of review the SBA conducts,
                                                       the projected operating cash flow;         business and its principal owners must
  the amount of the loan, and the lender’s           • Owners and operators who are of good
  responsibilities in case the loan defaults                                                      use their own resources before getting a
                                                       character;                                 loan guaranteed by SBA. It also includes
  and the business’ assets must be                   • Feasible business plan;
  liquidated. The methods are:                                                                    SBA’s anti-discrimination rules and
                                                     • Management expertise and                   restrictions on lending to agricultural
     • Standard 7(a) Guaranty                          commitment necessary for success;
     • Certified Lender Program                                                                   enterprises because there are other
                                                     • Sufficient funds, including the SBA
     • Preferred Lender Program                                                                   agencies of the federal government with
                                                       guaranteed loan, to operate the
     • Rural Lender Advantage                          business on a sound financial basis
                                                                                                  programs to fund such businesses.
     • SBA Express                                     (for new businesses, this includes the     Generally, SBA loans must meet the
     • Patriot Express                                 resources to meet start-up expenses        following criteria:
     • Export Express                                                                               • Every loan must be for a sound
                                                       and the initial operating phase);
     • Small Loan Advantage                                                                           business purpose;
                                                     • Adequate equity invested in the              • There must be sufficient invested
     • Community Advantage                             business; and                                  equity in the business so it can operate
                                                     • Sufficient collateral to secure the loan       on a sound financial basis;
                                                       or all available collateral if the loan      • There must be a potential for long-
                                                       cannot be fully secured.                       term success;
                                                                                                    • The owners must be of good character
                                                                                                      and reputation; and

18 — Small Business Resource   DALLAS/FORT WORTH                                                                        Visit us online:
   • All loans must be so sound as to        up to 50 percent of an SBAExpress loan.           The Patriot Express loan is offered
     reasonably assure repayment.            Loans under $25,000 do not require             by SBA’s nationwide network of
   For more information, go to www.sba.      collateral. The use of loan proceeds is        private lenders and features the fastest
gov/apply.                                   the same as for any basic 7(a) loan. Like      turnaround time for loan approvals.
                                             most 7(a) loans, maturities are usually        Loans are available up to $500,000 and
SPECIAL PURPOSE 7(a) LOAN                    five to seven years for working capital        qualify for SBA’s maximum guaranty of
                                             and up to 25 years for real estate or
PROGRAMS                                     equipment. Revolving lines of credit are
                                                                                            85 percent for loans of $150,000 or less
                                                                                            and 75 percent for loans over $150,000
   The 7(a) program is the most flexible     allowed for a maximum of seven years.          up to $500,000. For loans above
of SBA’s lending programs. The agency                                                       $350,000, lenders are required to accept
has created several variations to the        Patriot Express and Other Lending              all available collateral.
basic 7(a) program to address the            Programs For Veterans                             The Patriot Express loan can be used
particular financing need of certain            The Patriot Express pilot loan              for most business purposes, including
small businesses. These special purpose      initiative is for veterans and members         start-up, expansion, equipment
programs are not necessarily for all         of the military community wanting to           purchases, working capital, and
businesses but may be very useful            establish or expand a small business.          inventory or business-occupied real-
to some small businesses. They are           Eligible military community members            estate purchases.
generally governed by the same rules,        include:                                          Patriot Express loans feature SBA’s
regulations, fees, interest rates, etc. as     • Veterans;                                  lowest interest rates for business loans,
the regular 7(a) loan guaranty. Lenders        • Service-disabled veterans;
                                                                                            generally 2.25 percent to 4.75 percent
can advise you of any variations.              • Active-duty servicemembers eligible
                                                 for the military’s Transition Assistance   over prime depending upon the size
SBAExpress                                       Program;                                   and maturity of the loan. Your local
   The SBAExpress guaranty is available        • Reservists and National Guard              SBA district office will have a listing of
to lenders as a way to obtain a guaranty         members;                                   Patriot Express lenders in your area.
on smaller loans up to $350,000.               • Current spouses of any of the above,       More information is available at
The program authorizes selected,                 including any servicemember;     
experienced lenders to use mostly their        • The widowed spouse of a                       Self-employed Reserve or Guard
own forms, analysis and procedures               servicemember or veteran who died          members with an existing SBA loan can
to process, service and liquidate SBA-           during service or of a service-connected   request from their SBA lender or SBA
guaranteed loans. The SBA guarantees                                                        district office, loan payment deferrals,

Visit us online:                                                              DALLAS/FORT WORTH Small Business Resource —   19
interest rate reductions and other relief            • The Working Capital Line is a              Ineligible Use of Proceeds
after they receive their activation orders.            revolving line of credit that provides       • To support the applicant’s domestic
The SBA also offers special low-interest-              short term working capital.                    sales.
rate financing of up to $2 million when                                                             • To acquire fixed assets or capital goods
an owner or essential employee is called           EXPORT ASSISTANCE                                  for the applicant’s business.
                                                                                                    • To support a sale where the exporter is
to active duty through the Military                  The SBA has several programs to                  not taking title to the goods.
Reservist Economic Injury Disaster                 help existing small businesses wanting           • To acquire, equip, or rent commercial
Loan program (MREIDL) to help cover                to export goods and services. A brief              space overseas.
operating costs due to the loss of an              description of each can be found below.          • To serve as a warranty letter of credit.
essential employee called to active duty.
                                                   Export Working Capital Program                 Collateral Requirements
Advantage Loans                                                                                     • Collateral for the manufacturing sector
   In early 2011, SBA rolled out two                  The SBA’s Export Working Capital
                                                                                                      typically consists of a first lien on all
Advantage loan initiatives aimed                   program (EWCP) assists lenders in
                                                                                                      export-related inventory and export
at helping entrepreneurs and small                 meeting the needs of exporters seeking             related accounts receivable.
business owners in underserved                     short-term export working capital.               • Collateral for the service sector
communities gain access to capital.                This program enables U.S. exporters                typically consists of assignment of
Both offer a streamlined loan application          to obtain loans to fund their direct               proceeds of export-related contracts
process and the regular 7(a) loan                  export costs. The EWCP supports                    or purchase orders and a first lien on
guarantee for loans under $250,000.                single transactions or revolving lines             export-related accounts receivable.
   The Small Loan Advantage program                of credit. The maximum dollar amount             • Other collateral may be required.
is available to lenders participating in           of an export line of credit under this
the Preferred Lenders Program. SBA                 program is $5 million. SBA guarantees          How to Apply
lenders who are not participating in the           up to 90 percent of a loan amount or               A small business exporter seeking a
Preferred Lenders Program can contact              $ 4.5 million, whichever is less. Loan         guaranteed EWCP loan must apply to a
their local district office to apply.              maturities are generally for a term of 12      lender.
   The Community Advantage pilot                   months. The guaranty can be reissued
program opens up 7(a) lending to
                                                   for an additional 12 months through a          International Trade Loan Program
mission-focused, community-based                                                                     The SBA’s International Trade Loan
                                                   new application process. The guaranty
lenders – such as Community                                                                       program (ITL) helps small businesses
Development Financial Institutions                 fee the SBA charges is 0.25 percent of
                                                   the guaranteed amount of the loan for          engaged or preparing to engage in
(CDFIs), Certified Development                                                                    international trade as well as small
Companies (CDCs), and microlenders                 the initial 12 months. The borrower
                                                   negotiates the interest rate and all other     businesses adversely affected by
– that provide technical assistance                                                               competition from imports. This program
and economic development support in                fees with the lender. The program offers
                                                   flexible terms, low fees and a quick           allows for a maximum loan amount of
underserved markets.                                                                              $5 million. The international trade
   More information on both programs is            processing time. For information, see
                                                                                                  loan provides an SBA guarantee up
available at      
                                                                                                  to $ 4.5 million for a term loan used
                                                   Eligibility of Exporter                        for the acquisition, construction,
CAPLines                                                                                          renovation, modernization, improvement
   The CAPLines program is designed                  The business must have an operating
                                                   history of at least one year – not             or expansion of long-term fixed assets
to help small businesses meet their
                                                                                                  or the refinancing of an existing loan
short-term and cyclical working                    necessarily in exporting. The SBA may
                                                                                                  used for these same purposes. It may
capital needs. The programs can                    waive this requirement if you have
be used to finance seasonal working                                                               also be used for working capital or in
                                                   sufficient export trade experience or
capital needs; finance the direct costs                                                           conjunction with any SBA working
                                                   other managerial experience.
of performing certain construction,                                                               capital loans, including the EWCP. The
service and supply contracts; finance the                                                         SBA guaranty fee and interest rates are
                                                   Eligibility of Foreign Buyers
direct cost associated with commercial                                                            the same as for any standard 7(a) loans.
                                                     The foreign buyer must be a
and residential construction; finance              creditworthy entity and the methods of
operating capital; and consolidate                                                                Eligibility of Exporter
                                                   payment must be acceptable to the SBA            • Applicants must meet the same
short-term debt. SBA provides up to                and the export lender.                             eligibility requirements for a 7(a) loan.
an 85 percent guarantee. There are
                                                                                                    • Applicant must establish that the loan
four distinct loan programs under the              Use of EWCP Proceeds                               will significantly expand or develop
CAPLine umbrella:                                    • To acquire inventory for export or to be       an export market, or the applicant
  • The Contract Loan Program is                       used to manufacture goods for export.          has been adversely affected by import
    used to finance material, labor, and             • To pay the manufacturing costs of              competition, and, in addition, the
    overhead needs for a specific contract             goods for export.                              applicant must show that upgrading
    or contracts.                                    • To purchase goods or services for              equipment or facilities will improve its
  • The Seasonal Line of Credit Program                export.                                        competitive position.
    is used to support buildup of inventory,         • To support standby letters of credit         • If eligibility is based on entering or
    accounts receivable or labor and                   related to export transactions.                expanding export sales, the applicant
    materials above normal usage for                 • For pre-shipment working capital               must submit a one or two page
    seasonal inventory.                                directly related to export orders.             international business plan, including
  • The Builders Line Program provides               • For post-shipment foreign accounts             sufficient information to reasonably
    financing for small contractors or                 receivable financing.                          support the likelihood of expanded
    developers to construct or rehabilitate
                                                                                                      export sales.
    residential or commercial property.

20 — Small Business Resource   DALLAS/FORT WORTH                                                                        Visit us online:
Use of Proceeds                                       and other activities designed to initiate   How to Apply
   • For facilities or equipment, including           or expand the applicant’s export of its       The application process is the same for
     purchasing land and building(s);                 products/services from the U.S.;
                                                                                                  the SBAExpress, except the applicant
     building new facilities; renovating,         •   Provide transaction-specific financing
                                                      for overseas orders;
                                                                                                  must demonstrate that loan proceeds
     improving, or expanding existing
                                                  •   Provide revolving lines of credit for       will enable it to enter a new export
     facilities; purchasing or reconditioning
                                                      export purposes, the terms of which         market or expand an existing export
     machinery, equipment and fixtures;
     and making other improvements that               must not exceed seven years. In             market. The applicant must submit to
     will be used within the United States            some instances, as a normal course          the lender a plan that includes projected
     for producing goods or services.                 of business, the borrower may use           export sales for the upcoming year as
   • Refinancing a facility/building is also          portions of revolving lines of credit for   well as the dollar volume of export sales
     permissible if the original loan on the          domestic purposes, but no less than 70      for the previous year.
     property could have been refinanced              percent of the revolving line to be used
                                                      for export related purposes;
     under regular 7(a).
                                                  •   Provide term loans and other financing
                                                                                                  U.S. Export Assistance Center
                                                      to enable small business concerns,          (USEAC)
Collateral Requirements                                                                              U.S. Export Assistance Centers are
                                                      including small business export
See pg. 17 for collateral requirements.                                                           a network of facilities around the U.S.
                                                      trading companies to develop foreign
                                                      markets; and                                staffed by SBA, the U.S. Department of
How to Apply                                      •   Acquire, construct, renovate,               Commerce and the Export-Import Bank
    A small business exporter seeking a               modernize, improve or expand                of the U.S. to provide trade promotion
guaranteed loan must apply to an SBA                  production facilities or equipment to be    and export-finance assistance for small
participating lender. Call your local SBA             used in the U.S. in the production of       businesses in a single location. The
District Office for a list of participating           goods or services to be exported from       USEACs also work closely with other
lenders.                                              the U.S.                                    federal, state and local international
                                                                                                  trade organizations. To find the nearest
Export Express                                  Ineligible Use of Proceeds                        USEAC, go to
   The Export Express program is                  Proceeds may not be used to finance             North Texas Export Assistance Center
designed to help SBA meet the export            overseas operations, other than those                Rick Schulze, Trade and Finance Specialist
financing needs of small businesses. It         strictly associated with the marketing               1450 Hughes Rd., Ste. 220
is subject to the same loan processing,         and/or distribution of products/services             Grapevine, TX 76051
making, closing, servicing, and                 exported from the U.S.                               817-310-3749
liquidation requirements as well as the
same maturity terms, interest rates, and
applicable fees as for other SBA loans
except as noted below. The total Export
Express loan cannot exceed $500,000.
SBA guarantees 90 percent for loans
of $350,000 and under and 75 percent
for loans greater than $350,000 up to
the maximum of $500,000. SBA allows
participating lenders to make their own
credit decisions. SBA provides a quick
processing time, less than 36 hours.

Eligibility of Exporter
  You must have a business operating
history of at least one year – not
necessarily in exporting. The SBA may
waive this requirement if you have
sufficient export trade experience or
other managerial experience.

Eligibility of Foreign Buyers
  The foreign buyer must be a
creditworthy entity and the methods of
payment must be acceptable to the SBA
and the export lender.

Use of Proceeds
   • Finance standby letters of credit used
     for either bid or performance bonds;
   • Finance export development activities
     such as export marketing and
     promotional activities, participation
     in foreign trade shows, translation of
     product literature for foreign markets,

Visit us online:                                                                    DALLAS/FORT WORTH Small Business Resource —   21
CERTIFIED DEVELOPMENT                                • Two-tiered project financing: A lender
                                                       finances approximately 50 percent of
                                                                                                  Capital Certified Development Co.
                                                                                                     Robert Stringer
                                                       the project cost and receives a first         6611 Hillcrest Ave.
(504 LOANS)                                            lien on the project assets (but no SBA
                                                       guaranty); A CDC (backed by a 100
                                                                                                     Dallas, TX
   The 504 Loan program is an economic                 percent SBA-guaranteed debenture)
development program that supports                      finances up to 40 percent of the project   Cen-Tex Certified Development Corp.
American small business growth and                     costs secured with a junior lien. The         Rosa Rios Valdez, Executive Director
helps communities through business                     borrower provides the balance of the          2212 S. Congress
expansion and job creation. This SBA                   project costs.                                Austin, TX 78704
                                                     • Fixed interest rate on SBA loan. SBA          512-326-9006 • 512-912-9869 Fax
program provides long-term, fixed-                     guarantees the debenture 100 percent.
rate, subordinate mortgage financing                   Debentures are sold in pools monthly       Central Texas Certified Development
for acquisition and/or renovation of                   to private investors. This low, fixed      Company
capital assets including land, buildings               rate is then passed on to the borrower        Van Smith, President
and equipment. Some refinancing is                     and establishes the basis for the loan        3000 S. 31st St., Ste. 501
also permitted. Most for-profit small                  rate.                                         Temple, TX 76502-1802
businesses are eligible for this program.            • All project-related costs can be              254-899-8546 • 254-899-8333 Fax
The types of businesses excluded from                  financed, including acquisition (land
7(a) loans (listed previously) are also                and building, land and construction of     Certified Development Corp.
excluded from the 504 loan program.                    building, renovations, machinery and       of the Southwest
                                                       equipment) and soft costs, such as title      Susan Daywood, President
   Loans are provided through SBA-                     insurance and appraisals. Some closing        610 S. Industrial Blvd., Ste. 200
approved Certified Development                         costs may be financed.                        Euless, TX 76040
Companies. CDCs work with banks                      • Collateral is typically a subordinate         972-639-6911 • 972-767-4400 Fax
and other lenders to make loans in first               lien on the assets financed; allows
position on reasonable terms, helping                  other assets to be free of liens and       Community Certified Development Corp.
lenders retain growing customers and                   available to secure other needed              Bill Ebersole, President
provide Community Redevelopment Act                    financing.                                    8590 Hwy. 6 N.
credit.                                              • Long-term real estate loans are up to         Houston, TX 77095
   The SBA 504 loan is distinguished                   20-year term, heavy equipment 10- or          713-457-1650 ext. 201 • 713-457-0652
from the SBA 7(a) loan program in these                20-year term and are self-amortizing.         Fax
ways:                                              Businesses that receive 504 loans are:
The maximum debenture, or long-term                  • Small — net worth under $15 million,       Council Finance, Incorporated
loan, is:                                              net profit after taxes under $5 million,      Tom Mann, Director
                                                       or meet other SBA size standards.             3702 Loop 322
  • $5 million for businesses that create a
                                                     • Organized for-profit.                         Abilene, TX 79604
    certain number of jobs or improve the
                                                     • Most types of business — retail,              325-672-8544 • 325-675-5214 Fax
    local economy;
  • $5 million for businesses that meet a              service, wholesale or manufacturing.
                                                                                                  Dallas Business Finance Corporation
    specific public policy goal, including            The SBA’s 504 certified development            Charles McElrath, President
    veterans; and                                  companies serve their communities by              400 S. Zang Blvd., Ste. 1210
  • $5.5 million for manufacturers and             financing business expansion needs.               Dallas, TX 75208
    energy public policy projects.                 Their professional staffs work directly           214-948-7800 • 214-948-8104 Fax
  Recent additions to the program allow            with borrowers to tailor a financing
$5.5 million for each project that reduces         package that meets program guidelines          East Texas Regional Development
the borrower’s energy consumption by                                                              Company
                                                   and the credit capacity of the borrower’s         David Cleveland and Luke Kimbrough
at least 10 percent; and $5.5 million for
                                                   business. For information, visit                  3800 Stone Rd.
each project that generates renewable
energy fuels, such as biodiesel or ethanol                                  Kilgore, TX 75662
production. Projects eligible for up to                                                              903-984-8641 or 903-984-3989
                                                   Alliance Lending Corporation                      903-983-1440 Fax
$5.5 million under one of these two                   James Stokes Jr., Director
requirements do not have to meet the                  Don Davenport and Tony Sivo                 Greater East Texas Certified Development
job creation or retention requirement, so             James E. Guinn School Complex               Company
long as the CDC portfolio average is at               1150 South Frwy., Ste. 215                     John Hart, Director
least $65,000.                                        Fort Worth, TX 76104                           3600 Old Bullard Rd., Ste. 403
  • Eligible project costs are limited                817-871-6444 • 817-332-6456 Fax                Tyler, TX 75701
    to long-term, fixed assets such as                                                               903-535-9229 • 903-535-9232 Fax
    land and building (occupied by the             Ark-Tex Regional Development Co.
    borrower) and substantial machinery               Richard Powell, Economic Dev. Manager       North Texas Certified Development Corp.
    and equipment. Working capital is not             L. D. Williamson, Executive Director           Webb Cox, President
    an eligible use of proceeds.                      122 Plaza W./P.O. Box 5307                     600 N. Central Expwy., Ste. 600-A
  • Most borrowers are required to make               Texarkana, TX 75505-5307                       Plano, TX 75074
    an injection (borrower contribution)              903-832-8636 • 903-832-3441 Fax                972-516-0514 • 972-424-7479 Fax
    of just 10 percent which allows
    the business to conserve valuable              Capital Certified Development Corp.            Texas Certified Development Company
    operating capital. A further injection            Craig Pinkley, Executive Director              Ernest Perales, President
    of 5 percent is needed if the business            Wild Basin One                                 1701 E. 7th St.
    is a start-up or new (less than 2                 110 Wild Basin Rd., Ste. 270                   Austin, TX 78761
    years old), and a further injection of 5          Austin, TX 78746                               512-433-1175 or 800-486-8620
    percent is also required if the primary           512-327-9229 or 800-504-2232                   512-433-1821 Fax
    collateral will be a single purpose               512-327-9243 Fax

22 — Small Business Resource   DALLAS/FORT WORTH                                                                           Visit us online:
Texas Certified Development Company
     A.R. Ruiz, Commercial Loan Consultant      SMALL BUSINESS                              BA Capital Company, L.P.
                                                                                               5207 McKinney Ave., Ste. 21
     1431 Greenway Dr., Ste 800
     Irving, TX 75038
                                                INVESTMENT COMPANY                             Dallas, TX 75205
                                                                                               214-508-0900 • 214-508-0985 Fax
     972-910-7404 • 972-870-4499 Fax            PROGRAM                                     Blue Sage Capital, L.P.
                                                   There are a variety of alternatives to
     NOTE: CDC territories are not restricted                                                  114 W. 7th St., Ste. 820
     and each CDC may assist 504 clients on a   bank financing for small businesses. The       Austin, TX 78701
     statewide basis.                           Small Business Investment Company              512-536-1900 • 512-236-9215 Fax
                                                (SBIC) program fills the gap between
                                                the availability of private capital and
MICROLOAN PROGRAM                               the needs of small businesses for growth
                                                                                            C3 Capital Partners II, L.P.
                                                                                               2100 McKinney Ave., Ste. 1550
   The Microloan program provides               capital. Licensed and regulated by the         Dallas, TX 75201
small loans ranging from under $500             SBA, SBICs are privately owned and             214-292-2000 • 214-292-2007 Fax
to $50,000 to women, low-income,                managed investment funds that make
                                                capital available to qualifying U.S.        Capital Southwest Venture Corp.
minority, veteran, and other small
                                                small businesses at attractive rates.          12900 Preston Rd., Ste. 700
business owners through a network                                                              Dallas, TX 75230
                                                The funds raise private capital and
of approximately 160 intermediaries                                                            972-233-8242 • 972-233-7362 Fax
                                                can receive SBA-guaranteed leverage
nationwide. Under this program, the
                                                up to 3x private capital paid-in, with
SBA makes funds available to nonprofit                                                      Escalate Capital Partners SBIC I, L.P.
                                                a leverage ceiling of $150 million per         300 W. 6th St., Ste. 2250
intermediaries that, in turn, make the          SBIC and $225 million for two or more
small loans directly to entrepreneurs,                                                         Austin, TX 78701
                                                licenses under common control. Licensed        512-651-2105 • 512-651-2101 Fax
including veterans. Proceeds can be             SBICs are for-profit investment firms
used for typical business purposes such         whose incentive is to share in the          First Capital Group of Texas III, L.P.
as working capital, or the purchase of          success of a small business. The SBIC          750 E. Mulberry, Ste. 305
furniture, fixtures, machinery, supplies,       program provides funding for a broad           San Antonio, TX 78212
equipment, and inventory. Microloans            range of industries. Some SBICs invest         210-736-4233 • 210-736-5449 Fax
may not be used for the purchase of real        in a particular field or industry while
estate. Interest rates are negotiated           others invest more generally. For more
between the borrower and the                    information, visit
intermediary. The maximum term for a
microloan is 7 years.
   The program also provides business
based training and technical assistance
to microborrowers and potential
microborrowers to help them be
successful at starting or growing their
businesses. Such training and technical
assistance may include general business
education, assistance with business
planning industry-specific training,
and other types of training support.
Entrepreneurs and small business
owners interested in small amounts of
business financing should contact one
from the list below or go to
Accion - Dallas
     Contact: George Cerna, Roscio Rueda
     2060 Singleton Rd., Ste. 107
     Dallas, TX 75208
     888-215-2373 ext. 1305
     888-215-2373 ext. 1302
     214-941-6579 Fax

BCL of Texas
     Contact: A.R. Ruiz
     1322 Record Crossing
     Dallas, TX 75235
     214-688-7457 • 214-688-7465 Fax

Visit us online:                                                              DALLAS/FORT WORTH Small Business Resource —   23
Independent Bankers Capital Fund, L.P.                 least 51 percent owned and controlled         • Be 51 percent owned and controlled by
    1700 Pacific Ave., Ste. 2740                       by one or more individuals who are              one or more individuals who are U.S.
    Dallas, TX 75201                                   citizens of, or permanent resident              citizens or permanent resident aliens
    214-722-6200 • 214-722-6220 Fax                    aliens in, the U.S.                             in the U.S.
                                                     • Be for-profit.                                • Be for-profit.
Main Street Capital II, L.P.                         • Principal researcher must be employed         • Principal researcher need not be
    1300 Post Oak Blvd., Ste. 800                      by the small business.                          employed by the small business.
    Houston, TX 77056                                • Company size cannot exceed 500                • Company size cannot exceed 500
    713-350-6029 • 713-350-6042 Fax                    employees.                                      employees. (No size limit for nonprofit
                                                     For more information on the SBIR                  research institution).
North Texas MESBIC, Inc. (SSBIC)                   Program visit
    9720 Skillman St.                                                                                 The nonprofit research institution
    Dallas, TX 95243-5150                          Participating Agencies                          partner must also meet certain
    214-348-8088 • 214-348-8081 Fax                                                                eligibility criteria:
                                                     Each year, the following eleven
                                                   federal departments and agencies are              • Be located in the United States and be
PMC Investment Corporation (SSBIC)                                                                     one of the following:
    17950 Preston Rd., Ste. 600                    required to reserve 2.5 percent of their
                                                                                                     • Nonprofit college or university.
    Dallas, TX 75252                               extramural R&D funds for award to
                                                                                                     • Domestic nonprofit research
    972-349-3200 • 972-349-3265 Fax                small businesses through the SBIR                   organization.
                                                   program: Departments of Agriculture;              • Federally funded R&D center.
SunTx Fulcrum Fund II — SBIC, L.P.                 Commerce; Defense; Education; Energy;
    Two Lincoln Centre                             Health and Human Services; Homeland
    5420 LBJ Frwy., Ste. 1000                                                                      Participating Agencies
    Dallas, TX 75240                               Security; Transportation; Environmental            Each year the following five Federal
    972-663-8900 • 972-661-9981 Fax                Protection Agency; National Aeronautics         departments and agencies are required
                                                   and Space Administration; and National          by STTR to reserve 0.3 percent of their
Toronto Dominion Capital (U.S.A.), Inc.            Science Foundation.                             extramural R&D funds for award to
    909 Fannin, Ste. 1950
                                                                                                   small business/nonprofit research
                                                   SMALL BUSINESS
    Houston, TX 77010
    713-653-8225 • 713-652-2647 Fax                                                                institution partnerships: Department

Valesco Commerce Street Capital, L.P.              TECHNOLOGY TRANSFER                             of Defense; Department of Energy;
                                                                                                   Department of Health and Human
    1445 Ross Ave., Ste. 2700
    Dallas, TX 75202                               PROGRAM                                         Services; National Aeronautics and
                                                                                                   Space Administration; and National
    214-545-6800 • 214-545-6850 Fax                   The Small Business Technology
                                                                                                   Science Foundation.
                                                   Transfer (STTR) program reserves
Western Financial Capital Corporation              a specific percentage of federal R&D
    17950 Preston Rd., Ste. 600
    Dallas, TX 75252
                                                   funding for award to small business and         SURETY BOND GUARANTEE
    972-349-3200 • 972-349-3265 Fax                non-profit research institution partners.
                                                   Central to the program is expansion of          PROGRAM
                                                                                                      The Surety Bond Guarantee program
                                                   the public/private sector partnership to
                                                   include the joint venture opportunities         is a public-private partnership between
INNOVATION RESEARCH                                for small business and the nation’s
                                                   premier nonprofit research institutions.
                                                                                                   the federal government and surety
                                                                                                   companies to provide small businesses
PROGRAM                                            Small business has long been where              with the bonding assistance necessary
                                                                                                   for them to compete for public and
  The Small Business Innovation                    innovation and innovators thrive, but
Research (SBIR) program encourages                 the risk and expense of conducting              private contracting and subcontracting
small businesses to advance their                                                                  opportunities. The guarantee provides
                                                   serious R&D efforts can be beyond
technical potential from funds                                                                     all incentives for sureties to bond small
                                                   the means of many small businesses.
committed by federal agencies with large                                                           businesses that would otherwise be
                                                   Non-profit research laboratories
extramural research and development                                                                unable to obtain bonding. The program
                                                   are also instrumental in developing
budgets. The SBIR program serves                                                                   is aimed at small businesses that lack
                                                   high-tech innovations, but frequently           the working capital or performance
to fund the critical startup and
development stages for a technology and            innovation is confined to the theoretical.      track record necessary to secure bonding
encourages commercialization of the                STTR combines the strengths of both             on a reasonable basis through regular
technology, product or service. In turn,           entities by introducing entrepreneurial         commercial channels.
this stimulates the U.S. economy.                  skills to high-tech research efforts.              Through this program, the SBA
                                                   The technologies and products are               guarantees bid, payment, performance
SBIR Requirements                                  transferred from the laboratory to the          and ancillary bonds issued by surety
   Small businesses must meet the                  marketplace. The small business profits         companies for individual contracts and
following eligibility criteria to participate      from the commercialization, which, in           subcontracts up to $2 million. The
in the SBIR program.                               turn, stimulates the U.S. economy.              SBA reimburses sureties between 70
  • Be 51 percent owned and controlled by                                                          and 90 percent of losses sustained if a
    one or more individuals who are U.S.           STTR Requirements                               contractor defaults on the contract.
    citizens or permanent resident aliens             Small businesses must meet the                  The SBA has two program options
    in the U.S. or be a for-profit business
                                                   following eligibility criteria to participate   available, the Prior Approval Program
    concern that is at least 51 percent
    owned and controlled by another
                                                   in the STTR program.                            (Plan A) and the Preferred Surety Bond
    for-profit business concern that is at                                                         Program (Plan B). In the Prior Approval

24 — Small Business Resource   DALLAS/FORT WORTH                                                                        Visit us online:
Program, SBA guarantees 90 percent                 Elsey & Associates Inc.              Mullis Newby Hurst LP
of surety’s paid losses and expenses on               21755 IH-45 N., Bldg. 8              5057 Keller Springs Rd., Ste. 400
bonded contracts up to $100,000, and on               Spring, TX 77388                     Addison, TX 75001
bonded contracts greater than $100,000                281-651-0002                         972-201-0134
that are awarded to socially and                                                        Preferred Bonding Services
                                                   Freedom Bonding, Inc.
economically disadvantaged concerns,                  5420 Klee Mill Rd., Ste. 2           1800 McCollum St.
HUBZone contractors, and veterans, and                Eldersburg, MD 21784                 Los Angeles, CA 90026
service-disabled veteran owned small                  410-922-2221                         323-663-7814
businesses. All other bonds guaranteed
in the Plan A Program receive an 80                Gerald J. Wilkoff, Inc.              Rust, Ewing, Watt & Haney, Inc.
                                                      95 Main St.                          7900 Emmett F. Lowry Expwy.
percent guarantee. Sureties must obtain                                                    Texas City, TX 77591
SBA’s prior approval for each bond                    Mineola, NY 11501
                                                      516-747-0200                         409-934-8040
guarantee issued. Under Plan B, SBA
guarantees 70 percent, but sureties may                                                 Surety Insurance Services of Texas DBA
                                                   HUB International RIGG               American Surety Agency
issue, monitor and service bonds without              10777 Westheimer, Ste. 300
SBA’s prior approval.                                                                      15814 Lower Lake Dr.
                                                      Houston, TX 77042-5235
American Contracting Services, Inc.                                                        Cypress, TX 77433
    5933 Glenway Ave.                                                                      281-256-3830
    Cincinnati, OH 45238                           Impact Risk Solutions
    513-793-5333                                                                        Surety Support Services, Inc.
                                                      200 Valley wood Dr., Ste. B100
                                                                                           7255 W. 98th Terrace, Ste. 170
                                                      The Woodlands, TX 77380
American Contractors Indemnity                                                             Overland Park, KS 66282
Company                                                                                    913-385-7760
    16415 Addison Rd., Ste. 200                    Insurance & Bonds of Texas, Inc.
    Addison, TX 75001                                                                   The Surety Group Agency, LLC
                                                      5726 Hausman Rd., Ste. 100
    972-930-0641                                                                           1900 Emery St., Ste. 120
                                                      San Antonio, TX 78249
                                                                                           Atlanta, GA 30318
Assurance Brokers, LTD                                                                     404-352-8211
    95 N. Research Dr., Ste. 100                   Insurance Source, Inc.
    Edwardsville, IL 62025                            4111 Telegraph Rd.                Tucker & Dunn Bond Agency
    618-692-9800                                      St. Louis, MO 63129                  16415 Addison Rd., Ste. 200
                                                      314-416-2602                         Addison, TX 75001
Babb Bonding, Inc.                                                                         806-687-2663
    801 E. Kiehl                                   K&S Group, Inc.
    Sherwood, AR 72124                                P.O. Box 277                      Viking Bond Service, Inc.
    501-834-5801                                      Rockwall, TX 75087                   22601 N. 19th Ave., Ste. 210
                                                      972-771-3861                         Phoenix, AZ 85027
Baldwin Insurance and Bonding Agency                                                       623-933-9334 ext. 16
    1201 Kas Dr., Ste. B                           KPS Insurance Services, Inc.
    Richardson, TX 75081                              10650 Treena St., Ste. 109        Wells Fargo Insurance Services USA, Inc.
    972-644-2688                                      San Diego, CA 92131                  5755 Mark Dabling Blvd., Ste. 300
                                                      858-538-8822                         Colorado Springs, CO 80919
Barbour Group, LLC                                                                         719-592-1177
    20 Liberty St., Ste. 2D                        LaPaz Insurance Agency Inc.
    Westminster, MD 21157                             28720 IH 10 W.                    Wortham Insurance
    410-876-9610                                      Boerne, TX 78006-6517                131 Interpark Blvd.
                                                      830-755-8262                         San Antonio, TX 78216
CB Insurance, LLC                                                                          210-249-2366
    1 S. Nevada Ave., Ste. 105                     McQuain Agency Inc.
    Colorado Springs, CO 80903                        5728 Root Rd.
    719-477-4278                                      Spring, TX 77389
                                                      281-350-6600 • 281-350-6665 Fax
CCI Surety, Inc.
    1710 N. Douglas Dr., Ste. 110
    Golden Valley, MN 55422
Carroll Insurance Agency
    14906 FM-529
    Houston, TX 77095
Catto & Catto, LLP
    217 E. Houston St.
    San Antonio, TX 78205
Contractors Bonding & Insurance
    2999 N. 44th St., Ste. 450
    Phoenix, AZ 85018

26 — Small Business Resource   DALLAS/FORT WORTH                                                               Visit us online:
                                  U.S. Small Business Administration Loan Programs, Page A
                                    Information accurate as of 12/01/2011 • All SBA programs and services are provided on a nondiscriminatory basis.

                                                                7(a) Loan Program
    Program              Maximum                Use of                                    Maximum                                     Who Qualifies                   Benefit to
                          Amount              Proceeds                Maturity          Interest Rate            Structure                                           Borrowers
Standard 7(a): $5 million to any Expansion/renovation; Depends on use of               SBA sets a           Term loan with one      Must be for-profit        Business able to
Applicant applies one business,        new construction,        proceeds and ability   maximum rate         payment of principal    and meet SBA size         obtain financing which
for business loan including affiliates purchase land or         to repay. Generally    for both variable    and interest (P&I)      standards; show           otherwise would not be
to lender; Lender                      buildings; purchase      working capital and    and fixed rate       each month. Interest    good character,           provided due to term,
applies to SBA                         equipment,               machinery &            loans (discuss       variable or fixed       credit, management,       collateral, equity, and/or
for guaranty of                        fixtures, lease-hold     equipment loans        with lender or       as negotiated with      and ability to repay;     time in business. Fixed
their proposed                         improvements;            have 5-10 years;       local SBA District   lender. Cannot be       must be an eligible       maturity; No balloons;
loan if they                           working capital;         real estate is up      Office for current   revolving. SBA          type of business,         No prepayment penalty
determine it is                        inventory, business      to 25 years. Term      information).        charges a Guaranty      use proceeds for          if maturity under 15
necessary. Loan                        acquisition, start-ups negotiated with                               Fee **                  eligible purpose, and     years. Establish or
from lender, not                       and refinancing under lender.                                                                demonstrate that          re-affirm business
SBA.                                   certain conditions                                                                           credit is not otherwise   relationship with a
                                       (discuss with lender).                                                                       available.                lender.
 International     Same as             Acquire, renovate,        Same as               Same as              Same as Standard        Same as Standard          Same as Standard
 Trade: Long term Standard 7(a).       modernize facilities      Standard 7(a).        Standard 7(a).       7(a). Maximum SBA       7(a) plus businesses      7(a) plus long-term
 financing to help                     or equipment used in                                                 guaranty amount for     must be engaged or        financing for fixed
 businesses                            making products or                                                   working capital is $4   preparing to engage       assets used
 engaged in                            services to be exported,                                             million.                in international          to produce products
 exporting or                          plus permanent working                                                                       trade or adversely        or services for export.
 adversely                             capital and refinance                                                                        affected by
 impacted by                           debt not structured with                                                                     competition from
 imports.                              reasonable terms.                                                                            imports.

Export Working Same as                Short-term,               Generally one year,    Established          Short term revolving    Same as Standard          Same as Standard
Capital Program: Standard 7(a).       working-capital for       but can be up to       by lender. No        line of credit based    7(a) plus must            7(a) plus provides
Single transaction                    exporters. Can be         3 years to match       SBA established      on borrowing            have been in              working capital to
or Revolving                          single transaction or     a single transaction   maximums.            base or export          business for at           American Exporters
Working Capital                       revolving. Standby        cycle.                                      purchase orders.        least one year and        to perform on export
lines of credit for                   Letters of Credit for                                                 Monthly interest        preparing to engage       transactions and/
exporters.                            export purposes.                                                      payments; principal     in or increase            or finance export
                                                                                                            payments based on       international trade.      receivables. Ability to
                                                                                                            collection of foreign                             finance standby letters
                                                                                                            receivables.                                      of credit for export
CAPLines:          Same as            Finances: seasonal      Up to 10 years.          Same as              Revolving line of       Same as Standard          Same as Standard 7(a)
Four different     Standard 7(a).     working capital needs,                           Standard 7(a).       credit with monthly     7(a) plus a               plus provides revolving
Revolving Lines                       direct cost to                                                        interest and            business that needs       working capital not
of Credit,                            perform assignable                                                    principal payments      the specialized           otherwise available
a/k/a Seasonal,                       contracts, construction                                               based on when the       proceeds this             to perform on an
Contract Builders,                    costs of structure for                                                business receives       program offers.           assignable contract, to
Working Capital                       resale, or advances                                                   the cash for doing                                cover seasonal needs,
                                      against existing                                                      the activity the loan                             to build or renovate
                                      inventory and                                                         proceeds financed.                                personal or commercial
                                      receivables.                                                                                                            space, and to obtain
                                                                                                                                                              funds against existing
                                                                                                                                                              current assets. Also
                                                                                                                                                              structured to meet
                                                                                                                                                              business needs.
SBAExpress: $350,000.                 Same as a Standard        Same as Standard Loans $350,000             Same as Standard Same as                          Same as Standard
Lender approves                       7(a) or may be used       7(a) for term loans, or less:               7(a) except lender Standard 7(a).                 7(a) plus Streamlined
the loan.                             for a revolving working   Revolving lines of Prime + 6.5%.            has more leeway to                                process; Easy-to-use
                                      capital line of credit.   credit up to 7 years.                       structure repayment                               line of credit and allows
                                                                                      Loans over            under their own                                   for a revolving feature
                                                                                      $50,000:              rules.                                            which Standard 7(a)
                                                                                      Prime + 4.5%.                                                           does not.

   ** The SBA charges the lender a guaranty fee based on the loan’s maturity and the dollar amount which is initially guaranteed.
     The lender can pass this expense to the borrower and loan proceeds can be used to reimburse the lender.
     The following chart explains the Agency’s guaranty fee charges

Visit us online:                                                                                            DALLAS/FORT WORTH Small Business Resource —              27
U.S. Small Business Administration Loan Programs, Page B                                                                                                                                  Information accurate as of 12/01/2011

                                                                                     7(a) Loans, continued
                        Maximum                        Use of                                                       Maximum                                                                           Benefit to
   Program               Amount                       Proceeds                           Maturity                 Interest Rate                    Structure                  Who Qualifies           Borrowers
Export Express: $500,000.                      Same as SBA Express Same as                                        Same as                       Same as                      Same as SBA          Same as SBA
Lender approves                                plus can be used     SBA Express.                                  SBA Express.                  SBA Express.                 express plus loan Express plus provides
the loan.                                      for Standby Letters                                                                                                           proceeds must be lenders with a higher
                                               of Credit for Export                                                                                                          used to support      percentage guaranty
                                               Purposes. Debt                                                                                                                export development which can encourage
                                               Refinance is not                                                                                                              activity.            them to make more
                                               allowed.                                                                                                                                           loans to finance export
                                                                                                                                                                                                  development activities
                                                                                                                                                                                                  of small businesses.
                                                                                                                                                                                                  Standby Letters
                                                                                                                                                                                                  of Credit are also
Patriot Express: $500,000.                      Same as                             Same as                        Same as                      Same as                      Same as Standard Same as SBA
Lender approves                                 Standard 7(a).                      Standard 7(a).                 Standard 7(a).               SBA Express.                 7(a) plus must be    Express plus provides
the loan.                                                                                                                                                                    owned & controlled lenders with a higher
                                                                                                                                                                             by one or more of    percentage of guaranty
                                                                                                                                                                             the following groups which can encourage
                                                                                                                                                                             equaling at least    them to make more
                                                                                                                                                                             51% total ownership: loans to qualified
                                                                                                                                                                             veteran, active-duty businesses.
                                                                                                                                                                             military, reservist
                                                                                                                                                                             or National Guard
                                                                                                                                                                             member or spouse of
                                                                                                                                                                             any of these groups,
                                                                                                                                                                             or widowed spouse
                                                                                                                                                                             of service member
                                                                                                                                                                             or veteran who died
                                                                                                                                                                             during service or of
                                                                                                                                                                             service connected
Community         $250,000.                    Same as Standard 7(a) Same as                                      Same as                      Allows mission-                Loan eligibility                Borrowers in
Advantage:                                     except cannot be used Standard 7(a).                               Standard 7(a)                oriented lenders               requirements are                underserved markets
Alternative                                    to refinance loans                                                 except allowable             focused on                     same as for                     get more choices on
Lenders assisting                              made by or guaranteed                                              “Spread” is + 4%             economic                       Standard 7(a) loans,            the types of lenders
businesses                                     by the Dept. of                                                    over the base                development                    but the business                who can provide
located in areas                               Agriculture or loans                                               rate.                        in underserved                 should be located               them financing if their
with high needs.                               by SBA Micro-Lenders                                                                            markets to apply for           in an underserved               financing needs an
                                               using their SBA                                                                                 7(a) guaranty on               market .                        SBA guaranty and the
                                               intermediary loan.                                                                              loan they propose to                                           technical assistance
                                                                                                                                               make to an eligible                                            needs of the applicant
                                                                                                                                               small business.                                                are assessed by the

                                                                                        Non 7(a) Loans
504 Loans:        SBA portion up to            For the acquisition of Either 10 or 20 year                        Check with local Financing from                            For profit businesses            Fees under 3 percent;
Fixed Asset       $5.0 million.                long-term fixed-assets, term on the SBA/                           SBA District        1. The CDC                             that do not exceed               long-term fixed rate;
Project Financing                              refinancing long term CDC portion.                                 Office for current     Certified                           $15.0 million in                 low down payment;
provided from                                  fixed asset debt under                                             information.           Development                         tangible net worth               full amortization; no
three sources.                                 certain conditions, and                                                                   Company                             and do not have an               balloons.
                                               working capital on a                                                                   2. Third Party                         average net income
                                               limited basis.                                                                            Lenders                             over $5 million for the
                                                                                                                                      3. Applicant                           past 2 years.
 Micro-Loans          $50,000 total            Furniture, fixtures,               Shortest term                   Check with local Loans through                              Same as 7(a) – plus             Direct loans from
                      to one small             supplies, inventory,               possible, not to                SBA District Office non- profit lending                     loans can be made               nonprofit intermediary
                      business                 equipment, and                     exceed 6 years.                 for locations of    organizations;                          to non-profit day               lenders; Fixed-rate
                      borrower.                working capital.                                                   locally available technical assistance                      care businesses.                financing; Very
                                                                                                                  intermediary        also provided.                                                          small loan amounts;
                                                                                                                  lenders and then                                                                            Technical assistance
                                                                                                                  check with them.                                                                            available.
                                Gross Size of Loan                                                               Fees                                                                                     Notes
7(a) Guaranty                   Loans of $150,000 or less (See Note 1)........................ ........2% of guaranteed portion, Lender is authorized to retain..............Maturities that exceed 12 months
                                $150,001 to $700,000 ...................................................... ......3% of guaranteed portion.................................................................Maturities that exceed 12 months
Fee Reference                   $700,001 to $5,000,000 (See Note 2) ............................ ......3.5% of guaranteed portion up to $1,000,000 PLUS 3.75% of.....Maturities that exceed 12 months
    Chart                                                                                                         the guaranteed portion over $1,000,000
                                Short Term Loans – up to $5 million ......................................0.25% of the guaranteed portion .....................................................Maturities of 12 months or less
NOTE 1: The guaranty fee on a $100,000 loan with an 85% guaranty would be 2% of $85,000 or $1,700, of which the lender would retain $425.
NOTE 2: The guaranty fee on a $2,000,000 loan with a 75% guaranty ($1.5 million guaranteed portion) would be, 3.5% of $1,000,000 ($35,000) PLUS 3.75% of $500,000 ($18,750), for a total of $53,750

28 — Small Business Resource         DALLAS/FORT WORTH                                                                                                                                                Visit us online:
The U.S. Small Business Administration provides           The SBA 100 isn’t just businesses that have received
small businesses with the tools and the resources         SBA loans. In 1985, Qualcomm was a small
they need to grow and create jobs. This includes          company proving R&D to the federal government,
access to capital, opportunities in government            but not for long. In 1989, the company received
contracting, and counseling and training—otherwise        funding from the Small Business Innovation
known as the “Three C’s” of capital, contracting, and     Research (SBIR) program to hire engineers and begin
counseling. Since its inception in 1953, the SBA has      developing microchips. This funding gave them
used the Three C’s to help millions of businesses,        the freedom to innovate, explore, and transition
from shops on Main Street to high-growth, high-           from contract research to consumer applications. In
impact firms.                                             twenty years, Qualcomm has gone from 35 people
                                                          to a global workforce of 16,000 employees. The chip
In August, 2011, the SBA announced the SBA 100.           department initially funded by the SBIR program
These one hundred businesses all used SBA products        now makes up two-thirds of the company’s revenue.
to grow, and since then, each one has created at least
one hundred jobs—no small feat for a small business.      There are also businesses that have benefited
You can find them at                     from SBA’s support for small business contracting.
                                                          Missouri’s World Wide Technology (WWT) enrolled
The SBA 100 is a cross section of the diverse array       in SBA’s 8(a) Business Development program in
of businesses that stand to benefit from SBA              1992. The 8(a) program gave the company the
products. Some of the businesses in the SBA 100           tools it needed to compete for and win government
have grown to become household names. Others              contracts. Now, WWT has over 1,300 employees in
may not be familiar, but they are still cornerstones      48 states and six countries, and its sales exceed
of their communities and drivers of job creation.         $68 million.
There are businesses in a variety of industries, from
construction, to food and beverage, to manufacturing.     The fact is, the SBA has something to offer, no
There are Main Street businesses—the shops and            matter what kind of support you need or what kind
restaurants that we visit every day—as well as high-      of business you own. Whether you’re just starting
growth, high-impact firms that are transforming our       out, or you have been in business for decades, the
economy. Each business received SBA support, in           SBA can help you take your business to the next
the form of capital, contracting, or counseling, before   level. If you own a restaurant on Main Street, you
going on to create at least 100 jobs.                     can get a loan to expand. If you own a high-growth
                                                          firm, you can get the investment capital you need. If
A few businesses in the SBA 100 worked with               you are looking to get into government contracting,
the SBA decades ago. For example, Columbia                SBA can help you get started. And for every
Sportswear used an SBA loan in 1970 to increase           business, SBA counselors are standing by to help you
its production capacity. At the time, it had forty        along the way.
employees. Today Columbia Sportswear has over
3,000 employees and generates over $1 billion dollars     This Resource Guide is a great place to learn
in revenue. Hard work and a little help from the          more. In here, you can find details on all of SBA’s
SBA has made Columbia Sportswear into a global            programs, from loans and capital, to contracting and
leader in outdoor apparel.                                counseling. You can also find SBA online at
                                                 SBA recently revamped its website,
Meanwhile, one of the youngest companies in the           making the information and resources you need
SBA 100 is the Boathouse at Rockett’s Landing in          much easier to find. Meanwhile, the SBA online

Richmond, Virginia. Owner Kevin Healy got an SBA          Community, which you can find at
7(a) loan in 2009 to renovate an old power plant on, puts the advice of thousands
the James River to open up his second restaurant.         of small business owners like you at your fingertips.
He said the process was “quick, easy and painless         You can also visit to find your
and done within approximately 60 days.” His               SBA district office or local resource partner.
business has been growing steadily for the past two
years, and the Boathouse at Rockett’s Landing now         Thanks for reading, and we’ll see you soon.
employs over 100 people.

Visit us online:                                               DALLAS/FORT WORTH Small Business Resource —   29
                                                         Applying for Government Contracts
                                                                                                               from at least two responsible small
                                                                                                               businesses, and if awards will be made
                                                                                                               at fair market prices, the acquisition is
                                                                                                               reserved exclusively for small business.
                                                                                                               Reasonable expectations of small
                                                                                                               business competition may be evaluated
                                                                                                               using past acquisition history of an item
                                                                                                               or similar items.
                                                                                                                  There are several exceptions and
                                                                                                               unique rules for specific kinds of
                                                                                                               small businesses and industries. For
                                                                                                               R&D small business set-asides, there
                                                                                                               must be a reasonable expectation of
                 The U.S. government is the largest              The business with the best proposal in
                                                                                                               obtaining from small businesses the
              single purchaser of goods and services             terms of technical content, price and
                                                                                                               best scientific and technological sources
              in the world, buying everything from               other factors generally wins the contract.
                                                                                                               consistent with the demands of the
              armored tanks to paper clips. Every
                                                                 Types of Contracts                            proposed acquisition. For small business
              year, the federal government awards
                                                                    Firm fixed price contracts place the       set-asides other than for construction
              more than $500 billion in contracts, and
                                                                 responsibility for the costs and risk of      services, any business proposing to
              a significant share of those contracts are
                                                                 loss on the contractor. Firm fixed price      furnish a product that it did not itself
              specifically allotted to small businesses.
                                                                 contracts do not permit any adjustment        manufacture must furnish the product
                 The SBA works with agencies
                                                                 on the basis of the contractor’s costs        of a small business manufacturer
              to award at least 23 percent of all                                                              unless the SBA has granted either a
              prime government contracts to small                during the performance of the contract.
                                                                 This type of contract is used in all sealed   waiver or exception to this requirement.
              businesses, with specific statutory goals                                                        In industries where the SBA finds
              for small disadvantaged businesses,                bid and some negotiated procurements.
                                                                    Cost reimbursement contracts provide       that there are no small business
              businesses that are women-owned                                                                  manufacturers, it may issue a waiver
              or service-disabled veteran-owned,                 for the payment of allowable costs
                                                                 incurred by the contractor, to the extent     to the non-manufacturer rule. Waivers
              or businesses that are located in                                                                permit small businesses to provide any
                                                                 stated in the contract. The contract
              historically underutilized business zones                                                        domestic firm’s product.
                                                                 establishes a ceiling price, above which
              (HUBZone).                                         a contractor may not exceed without the
                 The agency ensures that small                   approval of the contracting officer. Cost     Subcontracting
              businesses have access to long-lasting             reimbursement contracts are used in              Subcontracting opportunities are
              development opportunities, which                   research contracts that have commercial       a great resource for small businesses,
              means working with small businesses                applicability.                                especially to those not ready to bid as
              to help them stay competitive, as                     Some contracts do not fit neatly           prime contractors. Experience gained
              well as encouraging federal agencies               into these two categories, such as            from subcontracting with a federal
              to award more contracts to small                   time and material contracts (prices for       prime contractor can better prepare
              businesses. The SBA features outreach              hourly wages are fixed but the hours          businesses to bid for prime contracts.
              programs, matchmaking events, and                  are estimated) and letter contracts              Current regulations stipulate for
              online training opportunities; and helps           (authorizes a contractor to begin work        contracts offering subcontracting
              agencies identify opportunities for small          on an urgent requirement).                    opportunities over $650,000 for goods
              businesses.                                                                                      and services, or $1.5 million for
                                                                 Small Business Set-Asides                     construction, large business prime
              HOW GOVERNMENT                                        A “set-aside” for small businesses
                                                                 reserves an acquisition exclusively for
                                                                                                               contractors must offer maximum
                                                                                                               practicable subcontracting opportunities
              CONTRACTING WORKS                                  small business participation. There
                                                                 are two ways in which set-asides can
                                                                                                               to small businesses. Large business
                                                                                                               prime contractors must submit a
              Sealed bidding vs. Negotiation                     be determined. First, if an acquisition       subcontracting plan describing how they

                 There are two methods the                                                                     will successfully subcontract to small
                                                                 of goods or services has an anticipated
              government uses to purchase goods                                                                businesses.
                                                                 dollar value of at least $3,000 but not
              and services, sealed bidding and                                                                    To find subcontracting opportunities,
                                                                 exceeding $150,000, it is automatically
              negotiation. The first method, sealed                                                            a list of Federal prime contractors is
                                                                 reserved for small businesses. The
              bidding, involves issuing an invitation                                                          available through SBA’s Subcontracting
                                                                 acquisition will be set aside only if the
              for bid by a procuring agency. Under                                                             Directory at and www.
                                                                 contracting officer determines there
              the sealed bidding method, a contract                                                   Research the list of prime
                                                                 are two or more responsible small
              is usually awarded to the lowest priced                                                          contractors and determine which are
                                                                 businesses that are competitive in
              bidder that can meet the quantity,                                                               best suited for your business. Develop
                                                                 terms of market prices, quality and
              quality and delivery requirements of                                                             a marketing strategy, and then contact
                                                                 delivery. Second, if an acquisition of
              the procurement. The second method,                                                              the Small Business Liaison Officer
                                                                 goods or services is more than $150,000,
              negotiation, involves issuing a request                                                          listed for each prime to schedule an
                                                                 and if it’s likely offers will be obtained
              for proposal or request for quotation.                                                           appointment.

              30 — Small Business Resource   DALLAS/FORT WORTH                                                                     Visit us online:
SBA CONTRACTING                                  Business development assistance
                                                 includes one-to-one counseling, training
                                                                                                 10:00 a.m. – First Monday of each month
PROGRAMS                                         workshops, and other management and             (If first Monday is a federal holiday, the

HUBZONE                                          technical guidance. There is a statutory        class will be held the following Monday)
                                                 requirement that small disadvantaged            Dallas SBDC/Center for Government
   The HUBZone program helps small               business concerns be awarded not less           Contracting SBDC
businesses located in distressed urban           than 5 percent of the total value of all        Bill J. Priest Center for Economic
and rural communities, known as                  prime contract awards. All firms that           Development
Historically Underutilized Business                                                              1402 Corinth St., Rm. 2660
                                                 become eligible for SBA’s 8(a) business         214-860-5889
Zones, gain access to federal set-aside          development assistance are also
contracts and sole source contracts, as          considered small disadvantaged business      Fort Worth
well as a price evaluation preference            concerns for federal contracting.               10:00 a.m. First Wednesday of each month
in full-and-open contract competitions.          To be eligible for the 8(a) Business            U. S. Small Business Administration
There is a statutory requirement that            Development program, a business must            4300 Amon Carter Blvd., Ste. 114
HUBZone small business concerns be               meet the following criteria:                    817-684-5500
awarded not less than 3 percent of the            • It must be a small business by SBA
total value of all prime contract awards.           size standards;                             To obtain application information for
The HUBZone program also establishes              • It must be owned (at least 51 percent)    the 8(a) program contact:
preference for award of federal contracts           by one or more individuals who
                                                    qualify as socially and economically      Dallas/Fort Worth District Office
to small businesses in these areas. To                                                           U. S. Small Business Administration
                                                    disadvantaged, and who are US
qualify for the program, a business                 citizens of good character;                  4300 Amon Carter Blvd., Ste. 114
must meet the following criteria:                 • It must be controlled, managed, and          Fort Worth, TX 76155
   • It must be a small business by SBA             operated by one or more individuals          817-684-5500 • 817-684-5516 Fax www.
     size standards                                 who qualify as disadvantaged, and; 
   • It must be owned and controlled at           • It must demonstrate potential for
     least 51 percent by U.S. citizens, or a        success (generally by being in business      Socially disadvantaged individuals
     Community Development Corporation,             for at least two full years) before       are those who have been subjected to
     an agricultural cooperative, or an             applying.                                 racial or ethnic prejudice or cultural
     Indian tribe                                  Business owners interested in more         bias because of their identity as a
   • Its principal office must be located        information should consider attending
     within an “Historically Underutilized
                                                                                              member of a group without regard
                                                 monthly orientation meetings in:             to their individual capabilities. The
     Business Zone,” which includes lands
     considered “Indian Country” and
     military facilities closed by the Base
     Realignment and Closure Act
   • At least 35 percent of its employees
     must reside in a HUBZone.
     Existing businesses that choose to
     move to qualified areas are eligible
     to apply for certification. To fulfill
     the requirement that 35 percent of
     a HUBZone firm’s employees reside
     in a HUBZone, employees must live
     in a primary residence at a place for
     at least 180 days, or as a currently
     registered voter, and with intent to live
     there indefinitely.
   SBA is responsible for:
   • Determining whether or not individual
     concerns are qualified HUBZone small
     business concerns;
   • Maintaining a list of qualified
     HUBZone small business concerns
     for use by acquisition agencies in
     awarding contracts under the program;
   • Adjudicating protests and appeals
     of eligibility to receive HUBZone
   For additional information, visit

   The 8(a) Business Development
program is a nine year program
established to assist eligible socially and
economically disadvantaged individuals
develop and grow their businesses.

Visit us online:                                                                DALLAS/FORT WORTH Small Business Resource —   31
                                                                                                SMALL DISADVANTAGED
  What You Should Know About Your Business                                                      BUSINESS
                                                                                                   A Small Disadvantaged Business
     To be eligible to bid on a federal            3. Do you fall under a specific              (SDB) is defined as a small business
  contract, you must know your                     certification?                               that is at least 51 percent owned and
  business. Answer the following three                Under the umbrella of “small              controlled by one or more individuals
  questions:                                       business,” SBA has outlined several          who are socially and economically
  1. Are you a small business?                     specific certifications that businesses
     Is your small business:                       may fall under. These certifications are
                                                                                                   There is a federal government-wide
    • Organized for profit?                        divided into two categories:
    • Located in the U.S.?                         SBA-Certified and Self-Certified.            goal of awarding at least 5 percent of
    • Operated primarily within the U.S.              The SBA-Certified Programs were           prime contracting dollars to SDBs each
      or making a significant contribution         created to assist specific businesses        year. Large prime contractors must also
      to the U.S. economy through                  in securing federal contracts and            establish a subcontracting goal for SDBs
      payment of taxes or use of American          therefore can only be issued by SBA          in their Subcontracting Plans.
      products, materials, or labor?               administrators. For the Self-Certified          Firms self-certify as SDB without
    • Independently owned and operated?            Programs, you can determine for              submitting any application to SBA;
    • Not dominant in the field of                 yourself if your business meets the          however, firms approved by SBA into
      operation in which it is bidding for         requirements by referring to the             the 8(a) Business Development program
      government contracts?
                                                   Federal Acquisition Regulations (FAR).       are automatically certified as an SDB.
    • A sole proprietorship, partnership,
                                                      Just as Congress has given                To self-certify, firms should update
      corporation, or any other legal form?
                                                   federal agencies a goal of procuring         their Central Contractor Registration
     If the first six criteria apply to your
                                                   23 percent of federal contracts from         (CCR) profiles and their Online
  business, ask yourself the second
                                                   small businesses, so too must federal        Representations and Certifications
  important question to find out if
                                                   agencies meet specific contracting goals     Application (ORCA) profiles, at
  your business meets size standard
                                                   for other categories of small firms. and,
                                                   These goals are:                             making sure that both profiles reflect
  2. What is the size standard for your
                                                     • 5 percent of contracts go to Small
  business?                                                                                     their SDB status.
                                                       Disadvantaged Businesses
     Size standards are used to                      • 5 percent go to Women-Owned Small
  determine whether a business is small
  or “other than small.” Size standards
                                                       Businesses                               SERVICE-DISABLED VETERAN-
  vary depending upon the industry. To
                                                     • 3 percent go to Service-Disabled
                                                       Veteran-Owned Small Businesses
                                                                                                OWNED SMALL BUSINESS
  determine the size standard for your               • 3 percent go to HUBZone Small               The Service-Disabled Veteran-
  business, you will need a NAICS code.                Businesses                               Owned Small Business (SDVOSB)
  Every federal agency uses these codes               Federal agencies have a strong            program has a federal government-wide
  when considering your business. To               incentive to fulfill these contracting       goal of awarding at least 3 percent
  determine your NAICS code, go to                 goals. You should apply for those            of prime and subcontracting dollars                   SBA-Certified and Self-Certified             to Service-Disabled Veteran-Owned
     Some SBA programs require their               programs for which you qualify to take       Small Businesses each year. Large
  own unique size standards. To find out           advantage of contracting opportunities.      prime contractors must also establish a
  more about these requirements and                                                             subcontracting goal for Veteran-
  other size standard information, go to                                                        Owned Small Businesses in their                                                                             Subcontracting Plans. These
                                                                                                subcontracting goals are reviewed at
following individuals are presumed                 Community Development Corporations           time of proposal by both the contracting
to be socially disadvantaged: Black                can also apply to the SBA for 8(a)           officer and SBA prior to the award of a
Americans, Native Americans, Alaska                business development assistance.
Natives or Native Hawaiians, Hispanic                 So that approved firms can obtain
                                                                                                   When a business’s SDVOSB self-
Americans, Asian Pacific Americans,                training, counseling, and business
                                                                                                certification is challenged, SBA
and Subcontinent Asian Americans. An               development assistance, SBA designates
                                                                                                determines if the business meets
individual who is not a member of one of           a staff person at a local SBA District
                                                                                                the status, ownership, and control
these groups must establish individual             Office - geographically near the business.
                                                                                                requirements. The SDVOSB Protest is
social disadvantage by a preponderance             SBA is responsible for:
of evidence. Economically disadvantaged              • Determining whether a business           administered by SBA to ensure that only
individuals are socially disadvantaged                 qualifies for the 8(a) Business          businesses owned by service-disabled
individuals whose ability to compete                   Development program                      veterans receive contracts reserved
in the free-enterprise system has been               • Determining whether a business           exclusively for them.
impaired due to diminished capital                     continues to qualify, during the nine-      To determine your eligibility,
                                                       year term.                               contact your local veterans business
and credit opportunities as compared
                                                     • Approving Mentor/Protégé agreements      development officer, visit the
to others in the same or similar                       between 8(a) firms and large
line of business who are not socially                                                           various program websites, or contact
disadvantaged.                                                                                  SBA’s Office of Veterans Business
                                                     For additional information, visit          Development at
   Firms owned by Alaska Native          
Corporations, Indian Tribes, Native
Hawaiian Organizations, and

32 — Small Business Resource   DALLAS/FORT WORTH                                                                    Visit us online:
    PERSON OF THE YEAR                         BUSINESS CHAMPION                 OF THE YEAR
          Michael & Lisa M. Lujan                 Jim Reid                          Erendira Garner
          Mentoring Minds                                                           E.G. Serra, L.L.C.
          Tyler, TX                            MINORITY SMALL BUSINESS              Belton, TX
    MINORITY SMALL BUSINESS                       Jim Reid                       SBDC of the Year
    PERSON OF THE YEAR                            Momentum Texas, Inc.              Navarro SBDC
          Vince Fudzie                            Dallas, TX                        Navarro, TX
          TMV LLC dba Triune
          Dallas, TX                           HOME-BASED BUSINESS CHAMPION OF   SCORE Chapter of the Year
                                               THE YEAR                             Tyler Chapter 280
    JEFFREY BUTLAND FAMILY-OWNED                  Susan Lewis                       Jon Pressley, Chapter Chair
    BUSINESS OF THE YEAR                          Bc SPA by BeautiControl           Tyler, TX
          Charles Frazier, Jr.                    Longview, TX
          Frazier & Frazier Industries, Inc.
          Coolidge, TX                         ENTREPRENEURIAL SUCCESS AWARD
                                                  Mitch & Tracey Wilson
    REGION VI - FINANCIAL SERVICES                & Laura Rectenwald
    CHAMPION OF THE YEAR                          Titanium Environmental
          Greg Clarkson                           Longview, TX

          Greg Clarkson
          BBVA Compass Bank
          Dallas, TX

          Fred Antonini
          Flexible Innovations, Ltd.
          Fort Worth, TX

   On October 7, 2010, the SBA
published a final rule effective February
4, 2011, aimed at expanding federal
contracting opportunities for women-
owned small businesses. The Women-
Owned Small Business Federal Contract
program authorizes contracting officers
to set aside certain federal contracts for
eligible women-owned businesses and
economically disadvantaged women-
owned small businesses.
   To be eligible, a firm must be at least
51 percent owned and controlled by one
or more women. The women must be
U.S. citizens. The firm must be “small”
in its primary industry in accordance
with SBA’s size standards for that
industry. To be deemed “economically
disadvantaged” its owners must
demonstrate economic disadvantage in
accordance with the requirements set
forth in the final rule. For additional
information, visit

Visit us online:                                                     DALLAS/FORT WORTH Small Business Resource —   33
  Once you have identified the                       the database for prospective vendors. The         of government. Businesses interested in
important information regarding your                 CCR is at                            becoming GSA schedule contractors
business, it is time to start the process of          After completing registration, you will          should review the information available
procuring a government contract.                   be asked to enter your small business               at
  1. Identify your DUNS (Data Universal            profile information through the SBA                 8. Make Sure Your Business is
  Numbering System) number                         Supplemental Page. The information                  Financially Sound
  To register your business, obtain a DUNS         will be displayed in the Dynamic Small              This critical step is absolutely necessary
  number used to identify and track                Business Search.                                    to make sure that your business is
  millions of businesses. You can obtain              Creating a profile in CCR and keeping            financially prepared for the journey
                                                                                                       ahead. Even if you are able to obtain a
  your free DUNS number when                       it current ensures your firm has access
  registering with the CCR (Central                                                                    government contract, you will not be
                                                   to federal contracting opportunities.
  Contractor Registration) at                                                              receiving all of the money at once. It
                                                   Entering your small business profile,               helps to have a clear plan of how your
  or by contacting Dun & Bradstreet at             including your business information and                                                                                         business will stage the benefits of the
                                                   key word description, allows contracting            contract.
  2. Identify your EIN                             officers, prime contractors, and buyers
  (Employer Identification Number)                                                                     9. Search FedBizOpps for contracting
                                                   from state and local governments to                 opportunities
  An EIN, otherwise known as a federal tax
                                                   learn about your company.                           Federal Business Opportunities, or
  identification number, is generally
                                                     6. Use ORCA (Online Representations               FedBizOpps, is an online service operated
  required of all businesses. For more
                                                     and Certifications Application)                   by the federal government that
  information, go to                    Prospective contractors must complete
  3. Identify your NAICS (North American                                                               announces available business
                                                     (electronically or through submission of          opportunities. FedBizOpps helps identify
  Industry Classification) codes                     paperwork) representations and
  The NAICS codes are used to classify the                                                             the needs of federal agencies and
                                                     certifications for small business size and        available contracting opportunities. To
  industry a particular business occupies.           program status as part of the process
  You will need at least one NAICS code to                                                             begin searching for contracting
                                                     that registers the business for federal           opportunities, go to
  complete your registration, but be sure to         contracting opportunities. To make this
  list as many as apply. You may also add                                                              10. Marketing Your Business
                                                     process easier for everyone involved, the         Registering your business is not enough
  or change NAICS codes at any time. To              government developed ORCA, where
  find NAICS code, visit                                                                               to obtain a federal contract; you will need
                                                     generally, businesses can complete all of         to market your business to attract federal                     the paperwork online. To begin this
  4. Identify your SIC (Standard Industrial                                                            agencies. Tips for good marketing are:
                                                     process, first register your firm in CCR,         • Determine which federal agencies buy
  Classification) codes                              then go to
  The SIC codes are four-digit numbers                                                                   your product or service, and
                                                     7. Register with the GSA Schedule                   get to know them;
  that are used to classify the industry a           The GSA (General Services
  particular business occupies. While                                                                  • Identify the contracting procedures of
                                                     Administration) Multiple Award Schedule             those agencies;
  NAICS codes have largely replaced SIC              (aka Federal Supply Schedule) is used by
  codes, you will still need to provide your                                                           • Focus on opportunities in your niche
                                                     GSA to establish long-term, government-             and prioritize them.
  SIC code. SIC codes can be found at                wide contracts with commercial firms.                                                               Although not required, you may
                                                     Once these contracts are established,
  5. Register with the CCR (Central                                                                want to obtain a PSC (Product Services
                                                     government agencies can order the
  Contractor Registration)                           supplies and services they need directly
                                                                                                   Code) and/or a FSC (Federal Supply
  The CCR is an online federal                       from the firms through the use of an          Classification). These codes provide
  government-maintained database of                  online shopping tool. Becoming a GSA          additional information about the
  companies wanting to do business with              schedule contractor increases your            services and products your business
  the federal government. Agencies search            opportunity for contracts across all levels   offers.

     The following federal procurement                 business.                                        government. To find a PTAC in your
   resources may also be of assistance:              • PCRs (Procurement Center                         state, go to
     • The Certificates of Competency                  Representatives) and CMRs                   •    Department of Defense (The DoD is
       program allows a small business, that           (Commercial Marketing                            the largest purchaser of goods from
       is the apparent successful offeror,             Representatives): PCRs work to                   small businesses):
       to appeal a contracting officer’s non-          increase the small business share      
       responsibility determination that it is         of federal procurement awards.              •    Office of Federal Procurement Policy:
       unable to fulfill the requirements of           CMRs offer many services to small      
       a specific government contract. The             businesses, including counseling on         •    Acquisition Forecast:
       SBA will conduct a detailed review              how to obtain subcontracts. To find a  
       of the firm’s technical and financial           PCR or CMR near you, go to                       _forecasts/index.html
       capabilities to perform on the                             •    Federal Supply Schedule (FSS):
       contract. If the business demonstrates        • PTACs (Procurement Technical           
       the capability to perform, the SBA              Assistance Centers): PTACs                  •    GSA Center for Acquisition
       issues a Certificate of Competency              provide assistance to businesses                 Excellence:
       to the contracting officer, requiring           that want to sell products and                   content/103487
       award of that contract to the small             services to federal, state, and/or local

34 — Small Business Resource   DALLAS/FORT WORTH                                                                           Visit us online:
                             Knowing the Types of Assistance Available for Recovery

              he Disaster Assistance             Military Reservist Economic Injury          The page provides links to resources
              Program is SBA’s largest       Disaster Loans (MREIDLs) are working         to help you put together your own
              direct loan program, and       capital loans for small businesses           emergency plan, preparedness tips,
              the only form of SBA           adversely affected when an essential         and fact sheets about SBA recovery
              assistance not limited to      employee is called up to active duty         assistance for homeowners, renters,
small businesses. SBA is responsible         by the National Guard or Reserves.           businesses of all sizes and private,
for providing affordable, timely and         An “essential employee” is defined           nonprofit organizations.
accessible financial assistance to           as an individual (whether or not the            Additionally, to help small businesses
homeowners, renters, businesses of all       owner of the small business) whose           with their preparedness planning, SBA
sizes and private, nonprofit organizations   managerial or technical skill is critical    has teamed up with Agility Recovery
following declared disasters. By law,        to the successfully daily operation          Solutions to offer business continuity
governmental units and agricultural          of the business. The loan limit is $2        strategies for entrepreneurs via their
enterprises are ineligible.                  million, and the funds may be used to        “PrepareMyBusiness” website. In
   The SBA offers two types of disaster      pay necessary operating expenses as          addition to offering practical disaster
   loans—Physical and Economic Injury        they mature until operations return to       preparedness tips, Agility is the co-host
   Disaster Loans.                           normal after the essential employee is       (with SBA) of a monthly disaster
    Home Physical Disaster Loans up          released from active military duty. The      planning webinar for business owners.
   to $200,000 are available to eligible     MREIDLs cannot be used to replace lost       Previous webinar topics have included
homeowners to repair or replace to           profits.                                     discussions on crisis communications,
its pre-disaster condition damaged or            For all disaster loans, SBA can only     testing your recovery plan, and using
destroyed real estate not fully covered      approve loans to applicants having a         social media to enhance business
by insurance. Renters and homeowners         credit history acceptable to SBA and         recovery. Visit
alike may borrow up to $40,000 to repair     who also show the ability to repay the to get the
or replace clothing, furniture, cars,        loans. The loan terms are established        schedule for future webinars, view
appliances, etc., that were damaged or       in accordance with the borrower’s            archived webinars, and for more disaster
                                             repayment ability. The law gives SBA
destroyed in the disaster.                                                                planning tips.
                                             several powerful tools to make disaster
    Business Physical Disaster Loans up                                                      As small businesses are leading
                                             loans affordable: low interest rates
to $2 million are available to qualified                                                  America’s economic recovery, many of
                                             (around 4 percent), long terms (up to
businesses or private, nonprofit                                                          them are investing time and money
                                             30 years), and refinancing of prior liens
organizations of any size to help            (in some cases). As required by law, the     into their plans to grow and create
restore or replace damaged real estate,      interest rate for each loan is based on      jobs. Developing a strong disaster
inventory, machinery, equipment and          SBA’s determination of whether the           preparedness plan should be a critical
other business assets to its pre-disaster    applicant has credit available elsewhere     and integral piece of those efforts.
condition.                                   (the ability to borrow or use their own      Planning for a disaster is the best way of
    The SBA can also lend additional         resources to recover after the disaster).    limiting its effects.
funds to homeowners and businesses               More information on all of SBA’s
to help with the cost of making              disaster assistance programs, including      Additional Resources
improvements that protect, prevent           information for military reservists, is         The SBA has partnered with the
or minimize the same type of disaster        available at           American Red Cross to increase
damage from occurring again.                                                              awareness in the business community
    Economic Injury Disaster Loans           Disaster Preparedness                        about the Red Cross Ready Rating™
(EIDLs) are working capital loans               For small businesses, surviving a         program. Ready Rating
available to qualified small businesses,     disaster doesn’t begin with clearing the     ( is a free, self-paced,
private nonprofit organizations of all       debris and returning to work.                web-based membership program that
sizes and small agricultural cooperatives       With proper planning, surviving           helps a business measure its ability
that suffered financial losses because       begins long before the disaster strikes—     to deal with emergencies, and gives
of the disaster, regardless of physical      or before active-duty orders are received.   customized feedback on how to improve

damage. The SBA can lend up to $2            Your planning should include insurance       those efforts.
million to provide the necessary working     coverage, emergency power, protection           Additional information on developing
capital to help small businesses pay fixed   of company records, fire safety, medical     an emergency plan is available at the
debts, payroll, accounts payable and         emergencies, taking care of your             federal government’s preparedness
other bills that could have been covered     employees and continuity planning –          website
had the disaster not occurred. The loan      how your business will continue during          The Institute for Business and Home
is not intended to replace lost sales or     and after the emergency or disaster.         Safety ( ) has useful
profits. The combined limit for economic        Starting is as easy as clicking on the    tips on protecting your home or business.
injury and physical damage assistance        disaster preparedness page of SBA’s
for businesses is $2 million.                website at

Visit us online:                                                            DALLAS/FORT WORTH Small Business Resource —   35
                                      ADVOCACY AND OMBUDSMAN  Watching out for small business interests

                         OFFICE OF ADVOCACY                                 nonprofit organizations), and consider
                                                                            regulatory alternatives that minimize
                                                                                                                       owners, nonprofit organizations and
                                                                                                                       small government entities. Comments
                            The SBA’s Office of Advocacy, the               the economic burden on small entities.     are forwarded to federal agencies for
                         “small business watchdog” of the                     Advocacy’s mission is enhanced by        review, and in some cases fines may

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

                         36 — Small Business Resource   DALLAS/FORT WORTH                                                                 Visit us online:
                   ADDITIONAL RESOURCESTaking care of start up logistics
                                                                                             Business Interruption – While
                                                                                          property insurance may pay enough
                                                                                          to replace damaged or destroyed
                                                                                          equipment or buildings, how will you
                                                                                          pay costs such as taxes, utilities and
                                                                                          other continuing expenses during the
                                                                                          period between when the damage occurs
                                                                                          and when the property is replaced?
                                                                                          Business Interruption (or “business
                                                                                          income”) insurance can provide sufficient
                                                                                          funds to pay your fixed expenses during
                                                                                          a period of time when your business is
                                                                                          not operational.
                                                                                             “Key Man” – If you (and/or any
                                                                                          other individual) are so critical to
                                                                                          the operation of your business that it

                                                                                          cannot continue in the event of your
         ven if you are running a           your business is based.   illness or death, you should consider
         small home-based business,         If you are a corporation, you’ll need to      “key man” insurance. This type of
         you will have to comply with       check with the state.                         policy is frequently required by banks
         many of the local, state, and                                                    or government loan programs. It also
         federal regulations. Avoid the
temptation to ignore regulatory details.
                                            BUSINESS INSURANCE                            can be used to provide continuity in
                                                                                          operations during a period of ownership
Doing so may avert some red tape in the        Like home insurance, business              transition caused by the death,
short term, but could be an obstacle as     insurance protects your business against      incapacitation or absence due to a Title
your business grows. Taking the time        fire, theft and other losses. Contact your    10 military activation of an owner or
to research the applicable regulations is   insurance agent or broker. It is prudent      other “key” employee.
as important as knowing your market.        for any business to purchase a number            Automobile – It is obvious that
Bear in mind that regulations vary by       of basic types of insurance. Some types       a vehicle owned by your business
industry. If you’re in the food-service     of coverage are required by law, others       should be insured for both liability and
business, for example, you will have to     simply make good business sense. The          replacement purposes. What is less
deal with the health department. If you     types of insurance listed below are           obvious is that you may need special
use chemical solvents, you will have        among the most commonly used and are          insurance (called “non-owned automobile
environmental compliances to meet.          merely a starting point for evaluating        coverage”) if you use your personal
Carefully investigate the regulations       the needs of your business.                   vehicle on company business. This
that affect your industry. Being out of        Liability Insurance – Businesses           policy covers the business’ liability for
compliance could leave you unprotected      may incur various forms of liability in       any damage which may result for such
legally, lead to expensive penalties and    conducting their normal activities. One       usage.
jeopardize your business.                   of the most common types is product              Officer and Director – Under most
                                            liability, which may be incurred when         state laws, officers and directors of a
                                            a customer suffers harm from using            corporation may become personally

                                                                                                                                              ADDITIONAL RESOURCES
                                            the business product. There are many          liable for their actions on behalf of the
  There are many types of licenses, both    other types of liability, which are           company. This type of policy covers this
state and local as well as professional.    frequently related to specific industries.    liability.
Depending on what you do and where          Liability law is constantly changing.            Home Office – If you are establishing
you plan to operate, your business may      An analysis of your liability insurance       an office in your home, it is a good idea
be required to have various state and/      needs by a competent professional is          to contact your homeowners’ insurance
or municipal licenses, certificates or      vital in determining an adequate and          company to update your policy to include                 appropriate level of protection for your      coverage for office equipment. This
  Licenses are typically administered by    business.                                     coverage is not automatically included in
a variety of state and local departments.      Property – There are many different        a standard homeowner’s policy.
Consult your state or local government      types of property insurance and levels
                                            of coverage available. It is important
for assistance.
                                            to determine the property you need            TAXES
FICTITIOUS BUSINESS NAME                    to insure for the continuation of your
                                            business and the level of insurance you
                                                                                            Taxes are an important and complex
                                                                                          aspect of owning and operating a
  Registering your business name, after     need to replace or rebuild. You must also     successful business. Your accountant,
doing a search to make sure that it is      understand the terms of the insurance,        payroll person, or tax advisor may be
not already in use, protects you from       including any limitations or waivers of       very knowledgeable, but there are still
others who might want to use the same       coverage.                                     many facets of tax law that you should
name. For more information, contact the                                                   know. The Internal Revenue Service is a
county clerk’s office in the county where

Visit us online:                                                            DALLAS/FORT WORTH Small Business Resource —   37
great source for tax information.
Small Business/Self-Employed Tax
                                                   FEDERAL INCOME TAX                           overview of taxes to more specific topics
                                                                                                such as recordkeeping and retirement
Center:                 Like the state income tax, the method
                                                                                                plans. Although most are free, some
index.html                                         of paying federal income taxes depends
                                                                                                workshops have fees associated with
  When you are running a business, you             upon your legal form of business.
                                                      Sole Proprietorship: You must file        them. Fees for a workshop are charged
don’t need to be a tax expert. However,                                                         by the sponsoring organization, not the
you do need some tax basics. IRS Small             IRS Federal Form Schedule C along
                                                   with your personal Federal Income            IRS.
Business/Self-Employed Tax Center                                                                 The IRS’s Virtual Small Business
gives you the information you need to              Tax return (Form 1040) and any other
                                                   applicable forms pertaining to gains or      Tax Workshop is an interactive
stay tax compliant so your business can
                                                   losses in your business activity.            resource to help small business owners
                                                      Partnership: You must file a Federal      learn about their federal tax rights
Small Business Forms and Publications
                                                   Partnership return (Form 1065). This         and responsibilities. This educational,,id=
                                                   is merely informational to show gross        product, available online and on CD,
99200,00.html                                      and net earnings of profit and loss. Also,   consists of nine stand-alone lessons
  Download multiple small business and             each partner must report his share of        that can be selected and viewed in any
self-employed forms and publications.              partnership earnings on his individual       sequence. A bookmark feature makes it
                                                   Form 1040 based on the information           possible to leave and return to a specific
FEDERAL PAYROLL TAX                                from the K-1 filed with the Form 1065.       point within the lesson. Users also have
(EIN NUMBERS)                                         Corporation: You must file a Federal
                                                   Corporation Income Tax return (Form
                                                                                                access to a list of useful online references
  An Employer Identification Number                                                             that enhance the learning experience by
                                                   1120). You will also be required to report   allowing them to view references and
(EIN),also known as a Federal Employer             your earnings from the corporation
Identification Number (FEIN), is used                                                           the video lessons simultaneously.
                                                   including salary and other income such
to identify a business entity. Generally,                                                         Tax Calendar for Small Businesses
                                                   as dividends on your personal federal
businesses need an EIN to pay federal                                                           and Self-Employed (Publication 1518)
                                                   income tax return (Form 1040).
withholding tax.                                                                      ,,id=
  You may apply for an EIN in various                                                           176080,00.html
ways, one of which is to apply online.             FEDERAL PAYROLL TAX                            The Tax Calendar for Small,,id=          Federal Withholding Tax: Any               Businesses and Self-Employed contains
102767,00.html. This is a free service             business employing a person must             useful information on general business
offered by the Internal Revenue Service.           register with the IRS and acquire an         taxes, IRS and SSA customer assistance,
Call 800-829-1040 if you have questions.           EIN and pay federal withholding tax at       electronic filing and paying options,
You must check with your state to                  least quarterly. File Form SS-4 with the     retirement plans, business publications
determine if you need a state number or            IRS to obtain your number and required       and forms, common tax filing dates, and
charter.                                           tax forms. Call 800-829-3676 or              federal legal holidays.
                                                   800-829-1040 if you have questions.
FEDERAL                                                                                         SOCIAL SECURITY CARDS
SELF-EMPLOYMENT TAX                                IRS WEB PRODUCTS FOR
                                                   SMALL BUSINESSES
                                                                                                   All employees must have a social
   Every employee must pay Social                                                               security card. It must be signed by its
Security and Medicare coverage. If you               For the most timely and up-to-date         owner, and you should always ask to
are self-employed, your contributions are          tax information, go to          see and personally record the social
made through the self-employment tax.              businesses/small/index.html.                 security number. Failure to do so may
   The IRS has publications, counselors                                                         cause your employee to lose benefits and
and workshops available to help you sort
it out. For more information, contact the
                                                   VIRTUAL SMALL BUSINESS                       considerable trouble for yourself in back
IRS at 800-829-4933 or                WORKSHOP                                     tracking to uncover the error.
                                                                                                   Each payday, your employees must
                                                          receive a statement from you telling
SALES TAX EXEMPTION                                  The Virtual Small Business Tax
                                                                                                them what deductions were made
CERTIFICATE                                        Workshop is the first of a series of video
                                                   products designed exclusively for small
                                                                                                and how many dollars were taken out
   If you plan to sell products, you will                                                       for each legal purpose. This can be
                                                   business taxpayers. This workshop helps
need a Sales Tax Exemption Certificate.                                                         presented in a variety of ways, including
                                                   business owners understand federal tax
It allows you to purchase inventory, or                                                         on the check as a detachable portion
                                                   obligations. The Virtual Small Business
materials, which will become part of the                                                        or in the form of an envelope with the
                                                   Workshop is available on CD www.irs.
product you sell, from suppliers without                                                        items printed and spaces for dollar
paying taxes. It requires you to charge
                                                   gov/businesses/small/article/0,,id=          deductions to be filled in.
sales tax to your customers, which you             101169,00.html and online
are responsible for remitting to the      if you    Pollution Control
state. You will have to pay penalties if           are unable to attend a workshop in
                                                                                                  If you own or operate a business
it is found that you should have been              person. Small business workshops are
                                                                                                whose operations may constitute a
taxing your products and now owe back              designed to help the small business
                                                                                                danger of pollution to air, land or water,
taxes to the state. For information on             owner understand and fulfill their
                                                                                                then federal authorities should be
sales tax issues, contact your state’s             federal tax responsibilities. Workshops
                                                                                                contacted for any licenses or approvals
government at 800-252-5555,                        are sponsored and presented by IRS
                                                                                                that may be necessary. For more                            partners who are federal tax specialists.
                                                                                                information, contact:
                                                     Workshop topics vary from a general

38 — Small Business Resource   DALLAS/FORT WORTH                                                                     Visit us online:
Environmental Protection Agency               Employee Insurance                           the protection of employees. The
     1445 Ross Ave., Ste. 1200                  If you hire employees you may be           Occupational Safety and Health
     Dallas, TX 75202-2733                    required to provide unemployment or          Administration outlines specific health
     800-887-6063                             workers’ compensation insurance. For         and safety standards adopted by the
                                              more information, contact the following:     U.S. Department of Labor.
   The Small Business and Local               Employee Insurance                           Department of Labor
Government Assistance Section of the          Texas Department of Insurance                   866-4-USA-DOL (487-2365)
Texas Commission on Environment                  333 Guadalupe                      
Quality provides free and confidential           Austin, TX 78701
                                                 800-578-4677                              Department of Labor Occupational
assistance to small business owners                                                        Safety & Health Administration (OSHA)
and local government leaders           
                                                                                              800-321-OSHA (6742)
regarding environmental compliance            Workers Compensation                  
issues. Compliance Specialists serve          Texas Workers Compensation Commission
as immediate points of contact and
liaisons with small business owners and
                                                 800-252-7031                              BUILDING CODES, PERMITS
                                                                                           AND ZONING
local government leaders. If you need
information about air, water, land uses,      WORKPLACE DISABILITY                           It is important to consider zoning
                                                                                           regulations when choosing a site for your
solid waste and hazardous materials call
or write:                                     PROGRAMS                                     business. You may not be permitted to
Texas Commission on                             Americans with Disabilities Act            conduct business out of your home or
Environmental Quality                         (ADA): For assistance with the ADA, call     engage in industrial activity in a retail
     Small Business and Local Government      800-669-3362 or visit           district. Contact the business license
     Assistance Section, Region 4 - DFW                                                    office in the city or town where the
     2309 Gravel Dr.
     Fort Worth, TX 76118                     U.S. CITIZENSHIP AND                         business is located.
     817-588-5868                             IMMIGRATION SERVICES                        The Federal Immigration Reform and        BAR CODING
     Tasha Burns 817-588-5836                                                                Many stores require bar coding on
                                              Control Act of 1986 requires employers
     Lori Rose 800-447-2827 – Hotline                                                      packaged products. Many industrial
                                              to verify employment eligibility of
                                              new employees. The law obligates             and manufacturing companies use bar
EMPLOYEE CONSIDERATIONS                       an employer to process Employment            coding to identify items they receive and
                                                                                           ship. There are several companies that
                                              Eligibility Verification Form I-9. The
Taxes                                         U.S. Citizenship and Immigration             can assist businesses with bar-coding
  If you have any employees, including                                                     needs. You may want to talk with an
                                              Services Office of Business Liaison offers
officers of a corporation but not the sole                                                 SBDC, SCORE or WBC counselor for
                                              a selection of information bulletins and
proprietor or partners, you must make                                                      more information.
                                              live assistance through the Employer
periodic payments towards, and/or file
                                              Hotline. For forms call 800-870-3676, for
quarterly reports about payroll taxes                                                      Federal Registration of Trademarks
                                              the Employer Hotline call 800-357-2099.
and other mandatory deductions. You
may contact (for information, assistance                                                   and Copyrights
and forms.)                                   E-Verify: Employment Eligibility               Trademarks or service marks are
Social Security Administration                Verification                                 words, phrases, symbols, designs or
     800-772-1213                                E-Verify, operated by the Department      combinations thereof that identify                              of Homeland Security in partnership          and distinguish the source of goods.
                                              with the Social Security Administration,     Trademarks may be registered at both
Federal Withholding                           is the best--and quickest--way for           the state and federal level. To register a
     U.S. Internal Revenue Service            employers to determine the employment        federal trademark, contact:
     800-829-1040                             eligibility of new hires. It is a safe,      U.S. Patent and Trademark Office:                              simple, and secure Internet-based               P.O. Box 1450
                                              system that electronically verifies the         Alexandria, VA 20231-1450
Social Security’s Business Services           Social Security number and employment
Online                                        eligibility information reported on Form
  The Social Security Administration          I-9. E-Verify is voluntary in most states    Trademark Information Hotline
now provides free electronic services         and there is no charge to use it.               703-308-9000
online at      If you are an employer or employee
Once registered for Business Services
Online, business owners or their
                                              and would like more information about
                                              the E-Verify program, please visit           STATE REGISTRATION OF A
authorized representative can:       or contact our          TRADEMARK
  • file W-2s online; and                     Customer Support staff: 1-888-464-4218         Trademarks and service marks may
  • verify Social Security Numbers            Monday – Friday 8 am – 5 pm.                 be registered in a state.
    through the Social Security Number        E-mail:                     Caution: Federally registered
    Verification Service, used for all
                                                                                           trademarks may conflict with and
                                              SAFETY & HEALTH
    employees prior to preparing and
                                                                                           supersede state registered business and
    submitting Forms W-2.
                                              REGULATIONS                                  product names.
Health Insurance                                All businesses with employees
 Compare plans in your area at                are required to comply with state                           and federal regulations regarding

Visit us online:                                                             DALLAS/FORT WORTH Small Business Resource —   39
Patents                                            intellectual works. Copyright does
  A patent is the grant of a property              not protect facts, ideas and systems,
right to the inventor by the U.S. Patent           although it may protect the way these
and Trademark Office. It provides the              things are expressed. For general
owner with the right to exclude others             information contact:
from making, using, offering for sale or           U.S. Copyright Office
selling the patented item in the United               U.S. Library of Congress
                                                      James Madison Memorial Building
                                                      Washington, DC 20559
  Additional information is provided in               202-707-9100 - Order Line
the publications, General Information                 202-707-3000 - Information Line
Concerning Patents and other                
publications distributed through the
U.S. Patent and Trademark Office. For
more information, contact the:
U.S. Patent and Trademark Office
    800-786-9199 •

  Copyrights protect original works of
authorship including literary, dramatic,
musical and artistic, and certain other

 Choosing Your Business Structure
  There are many forms of legal                    easy to establish. A formal partnership       the corporation. It’s the most complex
structure you may choose for your                  agreement is recommended to address           form of business organization and is
business. Each legal structure offers              potential conflicts such as: who will be      comprised of shareholders, directors
organizational options with different              responsible for performing each task;         and officers. Since the corporation
tax and liability issues. We suggest you           what, if any, consultation is needed          is a separate legal entity in its own
research each legal structure thoroughly           between partners before major decisions,      right it can own assets, borrow money
and consult a tax accountant and/or                and what happens when a partner               and perform business functions
attorney prior to making your decision.            dies. Under a general partnership each        without directly involving the owners.
  The most common organizational                   partner is liable for all debts of the        Corporations are subject to more
structures are sole proprietorships,               business. Profits are taxed as income to      government regulation and offer the
general and limited partnerships, “C”              the partners based on their ownership         owners the advantage of limited liability,
and “S” corporations and limited liability         percentage.                                   but not total protection from lawsuits.
   If you’re uncertain which business              Limited Partnership                           Subchapter “S” Corporation
format is right for you, you should                   Like a general partnership, a                Subchapter “S” references a special
discuss options with a business                    limited partnership is established by         part of the Internal Revenue Code that
counselor or attorney.                             an agreement between two or more              permits a corporation to be taxed as a
                                                   persons. However, there are two types         partnership or sole proprietorship, with
                                                                                                 profits taxed at the individual, rather
Sole Proprietorship                                of partners.
                                                                                                 than the corporate rate. A business
   One person operating a business as                • A general partner has greater control
                                                       in some aspects of the partnership.       must meet certain requirements for
an individual is a sole proprietorship.
                                                       For example, only a general partner       Subchapter “S” status. Contact the IRS
It’s the most common form of business                  can decide to dissolve the partnership.   for more information.
organization. Profits are taxed as                     General partners have no limits on the
income to the owner personally. The                    dividends they can receive from profit    LLCs and LLPs
personal tax rate is usually lower than                so they incur unlimited liability.
                                                                                                    The limited liability company is
the corporate tax rate. The owner                    • Limited partners can only receive
                                                       a share of profits based on the           a relatively new business form. It
has complete control of the business,                                                            combines selected corporate and
                                                       proportional amount on their
but faces unlimited liability for its                                                            partnership characteristics while
                                                       investment, and liability is similarly
debts. There is very little government                 limited in proportion to their            still maintaining status as a legal
regulation or reporting required with                  investment.                               entity distinct from its owners. As a
this business structure.                                                                         separate entity it can acquire assets,
                                                   “C” Corporation                               incur liabilities and conduct business.
General Partnership                                   A “C” corporation is a legal entity        It limits liability for the owners. The
   A partnership exists when two                   created under state law by the filing of      limited liability partnership is similar
or more persons join together in                   articles of incorporation. A corporation      to the LLC, but it is for professional
the operation and management of a                  is a separate entity having its own           organizations.
business. Partnerships are subject to              rights, privileges and liabilities, apart
relatively little regulation and are fairly        from those of the individual(s) forming

40 — Small Business Resource   DALLAS/FORT WORTH                                                                      Visit us online:
 OTHER SOURCES OF                                 • U S Commercial Services
                                                                                            BIG SANDY CHAMBER OF COMMERCE
                                                                                                                                 CLYDE CHAMBER OF COMMERCE
 ASSISTANCE                                       817-212-2644,
                                                  • William Mann Jr. Community              BONHAM AREA CHAMBER OF COMMERCE      COLEMAN COUNTY
                                                  Development Corporation                     903-583-4811                       CHAMBER OF COMMERCE
 Other Small Business                             817-871-6267,                                                      325-625-2163
 Resource Centers                                                                           BOWIE-MONTAGUE COUNDY
 DALLAS, TEXAS CITY OF DALLAS, OFFICE           Chambers of Commerce                        CHAMBER OF COMMERCE                  COLLEYVILLE CHAMBER OF COMMERCE
 OF ECONOMIC DEVELOPMENT, SMALL                   Chambers of Commerce serve as a central     940-872-1173                         817-488-7148
 BUSINESS INITIATIVES                             location where the local small business
   1500 Marilla, Rm. 5CS                          community may obtain information,         BRECKENRIDGE                         COMANCHE CHAMBER OF COMMERCE
   Dallas, TX 75201                               publications and contact information.     CHAMBER OF COMMERCE                    325-356-3233
   214-670-1685 • 214-670-0158 F                                                              254-559-2301                       AREA CHAMBERS:                                                                   COMMERCE CHAMBER OF COMMERCE
                                                                                            BRIDGEPORT AREA                        903-886-3950
   320 S. R.L.Thorton Frwy., Ste. 110             325-762-2525                                940-683-2076                       COPPELL CHAMBER OF COMMERCE
   Dallas, TX 75208                                                                                                                972-393-2829
   214-943-5900 • 214-943-5905 F                ALL ASIAN AMERICAN GREATER                  BROWNWOOD AREA                               CHAMBER OF COMMERCE                         CHAMBER OF COMMERCE                  COPPERAS COVE
   Texas Mezzanine Fund (TMF) is a statewide      817-475-4783                                325-646-9535                       CHAMBER OF COMMERCE
   Community Develop-ment Financial                                                                                                254-547-7571
   Institution (CDFI) that provides financing   ALLEN CHAMBER OF COMMERCE                   BURLESON AREA
   to growth-oriented businesses located in       972-727-5585                              CHAMBER OF COMMERCE                  CORSICANA/NAVARRO COUNTY
   low-or-moderate income communities                                                         817-295-6121                       CHAMBER OF COMMERCE
   or that provide jobs for low-to-moderate     ALVARADO CHAMBER OF COMMERCE                                                       903-874-4731
   income persons. TMF also finances              817-783-7323                              BULLARD CHAMBER OF COMMERCE
   growth and expansion of minority and                                                       903-894-4238                       CRANDALL CHAMBER OF COMMERCE
   women-owned businesses throughout            AMERICAN INDIAN CHAMBER OF                                                         972-472-8663
   Texas. The Fund provides term loans for      COMMERCE OF TEXAS                           BURKBURNETT CHAMBER OF COMMERCE
   expansion, equipment, owner-occupied           817-429-2323                                940-569-3304                       CROSS PLAINS CHAMBER OF COMMERCE
   real estate, or any combination of the                                                                                          254-725-7251
   three. TMF can provide financing from        ARGYLE CHAMBER OF COMMERCE                  CADDO LAKE CHAMBER OF COMMERCE
   $50,000 to $500,000 to assist businesses       940-464-9990                                903-789-2238                       CROWLEY CHAMBER OF COMMERCE
   needing credit enhancement to qualify for                                                                                       817-297-4211
   traditional investment or bank financing.    ARLINGTON AFRICAN AMERICAN                  CADDO MILLS TEXAS
   TMF may also fund “stand-alone”              CHAMBER OF COMMERCE                         CHAMBER OF COMMERCE                  DALLAS BLACK CHAMBER OF COMMERCE
   investments of up to $300,000.                 817-688-8225                                903-789-2238                         214-421-5200

 BUSINESS ASSISTANCE CENTER (BAC)                 817-275-2613                                903-567-2991                       CHAMBER OF COMMERCE
   James E. Guinn School Complex                                                                                                   214-328-4800
   1150 S. Frwy.                                ARLINGTON HISPANIC                          CEDAR HILL CHAMBER OF COMMERCE
   Fort Worth, TX 76104                         CHAMBER OF COMMERCE                           972-291-7817                       DAINGERFIELD CHAMBER OF COMMERCE
   817-871-6001                                   817-881-4734                                                                     903-645-2646
                                                                                            CENTEX AFRICAN AMERICAN
    BAC Partners include:                       ARP CHAMBER OF COMMERCE                     CHAMBER OF COMMERCE                  DECATUR CHAMBER OF COMMERCE
    • Alliance Lending Corporation                903-859-3025                                254-235-3204                         940-627-3107
    • Fort Worth Metropolitan Black Chamber     ATHENS CHAMBER OF COMMERCE                  CENTEX HISPANIC                      DEKALB CHAMBER OF COMMERCE
      of Commerce                                 903-675-5181                              CHAMBER OF COMMERCE                    903-667-3706
      817-871-6538,                                                            254-754-7111
    • Manufacturers Association                 AZLE CHAMBER OF COMMERCE                                                         DE LEON CHAMBER OF COMMERCE
      of North Texas
                                                  817-444-1112                              CHANLER BROWNSBORO
                                                                                            CHAMBER OF COMMERCE
                                                                                                                                                                           OTHER ASSISTANCE
    • SCORE                                     BAIRD CHAMBER OF COMMERCE                     903-849-5930                       DENISON AREA CHAMBER OF COMMERCE
      817-871-6002, www.fortworth                 325-854-2003                                                                     903-465-1551                                                           CISCO CHAMBER OF COMMERCE
    • Small Contractor’s Development Program    BALCH SPRINGS                                 254-442-2537                       DENTON CHAMBER OF COMMERCE
      817-366-3866,                CHAMBER OF COMMERCE                                                                940-382-9693
    • Southeast Fort Worth, Inc.                  972-557-0988                              CITY OF HUBBARD
      817-871-6542,                                                     CHAMBER OF COMMERCE                  DESOTO CHAMBER OF COMMERCE
    • TCC- Small Business Development Center    BARTLETT AREA                                  254-826-3188                        972-224-3565
      817-871-6028,             CHAMBER OF COMMERCE
    • Tech Fort Worth                             254-527-4141                              CLITON CHAMBER OF COMMERCE           DUBLIN CHAMBER OF COMMERCE
      817-339-8968,                                                     254-675-3720                         254-445-3422
    • Texas Manufacturing Assistance Center -   BELLMEAD CHAMBER OF COMMERCE
      817-272-5922,                  254-799-1552                              CLEBURNE CHAMBER OF COMMERCE         DUNCANVILLE CHAMBER OF COMMERCE
    • The Alternative Board                                                                   817-645-2455                         972-780-4990
      817-257-5668,        BENBROOK CHAMBER OF COMMERCE

Visit us online:                                                                                         DALLAS/FORT WORTH Small Business Resource —   41
   325-649-9317                            CHAMBER OF COMMERCE                 254-796-4620                     CHAMBER OF COMMERCE
                                             972-241-8250                                                         903-876-5310
 EAST PARKER COUNTY                                                          HILLSBORO CHAMBER OF COMMERCE
 CHAMBER OF COMMERCE                       GREATER DALLAS                      252-582-2481                     LAKE TAWAKONI AREA
   817-441-7844                            CHAMBER (GDC) OF COMMERCE                                            CHAMBER OF COMMERCE
                                             214-746-6600                    HISTORIC RED RIVER COUNTY            903-447-3020
 EASTLAND CHAMBER OF COMMERCE                                                CHAMBER OF COMMERCE
   254-629-2332                            GREATER DALLAS HISPANIC             903-427-2645                     LAKE WHITNEY CHAMBER OF COMMERCE
                                           CHAMBER OF COMMERCE                                                    254-694-2540
 ELECTRA CHAMBER OF COMMERCE                 214-521-6007                    HONEY GROVE CHAMBER OF COMMERCE
   940-495-3577                                                                903-378-3168                     LAMAR COUNTY
                                           GREATER HEWITT                                                       CHAMBER OF COMMERCE
 ENNIS AREA CHAMBER OF COMMERCE            CHAMBER OF COMMERCE               HOPKINS COUNTY                       903-784-2501
   972-878-2626                              254-666-1200                    CHAMBER OF COMMERCE
                                                                               903-885-6515                     LANCASTER CHAMBER OF COMMERCE
 FAIRFIELD CHAMBER OF COMMERCE             GREATER IRVING - LAS COLINAS                                           972-227-2579
   903-389-5792                            CHAMBER OF COMMERCE               HOWE AREA CHAMBER OF COMMERCE
                                             214-217-8484                      903-893-1184                     LEWISVILLE CHAMBER OF COMMERCE
 FARMERS BRANCH                                                                                                   972-436-9571
 CHAMBER OF COMMERCE                       GREATER KAUFMAN                   HUGHES SPRINGS
   972-243-8966                            CHAMBER OF COMMERCE               CHAMBER OF COMMERCE                LINDALE AREA CHAMBER OF COMMERCE
                                             972-932-3118                      903-639-2351                        903-882-7181
   972-539-0500                            CHAMBER OF COMMERCE               CHAMBER OF COMMERCE                   903-756-3106
                                             817-431-2169                      817-283-1521
 FORNEY AREA CHAMBER OF COMMERCE                                                                                LITTLE ELM CHAMBER OF COMMERCE
   972-564-2233                            GREATER KILLEEN                   IOWA PARK CHAMBER OF COMMERCE         972-292-3777
                                           CHAMBER OF COMMERCE                 940-592-5441
 FORT WORTH CHAMBER OF COMMERCE              254-526-9551                                                       LONE STAR CHAMBER OF COMMERCE
   817-336-2491                                                              IREDELL CHAMBER OF COMMERCE          903-656-2518
                                           GREATER QUITMAN AREA                254-435-2966
 FORT WORTH HISPANIC                       CHAMBER OF COMMERCE                                                  MANSFIELD AREA
 CHAMBER OF COMMERCE                         903-763-4411                    JACKSBORO CHAMBER OF COMMERCE      CHAMBER OF COMMERCE
   817-625-5411                                                                940-567-2602                       817-473-0507
                                           GREATER WACO
   979-828-3276                              254- 757-5600                     903-586-2217                     CHAMBER OF COMMERCE
 CHAMBER OF COMMERCE                         903-455-1510                      817-558-2821                     MARSHALL CHAMBER OF COMMERCE
   903-537-4365                                                                                                  903-935-7868
                                           GROESBECK CHAMBER OF COMMERCE     JUSTIN, TX ECONOMIC DEVELOPMENT
 FRISCO CHAMBER OF COMMERCE                  254-729-3894                    CORPORATION                        MCGREGOR CHAMBER OF COMMERCE
   972-335-9522                                                                940-648-3800                      254-840-2292
                                           GUNTER AREA CHAMBER OF COMMERCE
 GAINESVILLE AREA                            903-818-2877                    KARNACK CHAMBER OF COMMERCE        MCKINNEY CHAMBER OF COMMERCE
 CHAMBER OF COMMERCE                                                           903-679-3113                      972-542-0163
   888-585-4468 or 940-665-2831            HALLSVILLE AREA
                                           CHAMBER OF COMMERCE               KEENE CHAMBER OF COMMERCE          MELISSA AREA CHAMBER OF COMMERCE
 GARLAND CHAMBER OF COMMERCE                 903-668-2592                      817-556-2995                      972-837-4277
 GLEN ROSE/SOMERVELL COUNTY                  254-386-3216                      817-431-2169                      254-435-2966
   254-898-9257                            HARKER HEIGHTS                    KEMP CHAMBER OF COMMERCE           MESQUITE CHAMBER OF COMMERCE
                                           CHAMBER OF COMMERCE                 903-498-7731                      972-285-0211
 GRANBURY CHAMBER OF COMMERCE                254-699-4999
   817-573-1622                                                              KERENS CHAMBER OF COMMERCE         METROCREST CHAMBER OF COMMERCE
                                           HAWKINS AREA                        903-396-2391                     (ADDISON, CARROLLTON & FARMERS
 GRAND PRAIRIE                             CHAMBER OF COMMERCE                                                  BRANCH)
 CHAMBER OF COMMERCE                         903-769-4482                    LAKE CITIES CHAMBER OF COMMERCE      972-416-6600
   972-264-1558                                                                940-497-3097
                                           HENDERSON AREA                                                       METROPOLITAN BLACK
   817-481-1522                              903-657-5528                    CHAMBER OF COMMERCE                  817-871-6538
 GREATER ARLINGTON HISPANIC                HENRIETTA /CLAY COUNTY                                               MEXIA CHAMBER OF COMMERCE
 CHAMBER OF COMMERCE                       CHAMBER OF COMMERCE                                                   254-562-5569
   817-881-4734                              940-538-5261

42 — Small Business Resource      DALLAS/FORT WORTH                                                                        Visit us online:
   972-723-8600                        940-686—5385                      972-287-5184                      CHAMBER OF COMMERCE
 CHAMBER OF COMMERCE                  972-424-7547                       940-889-2921                      TIMPSON CHAMBER OF COMMERCE
   325-648-3619                                                                                              936-254-3500
                                    POSSUM KINGDOM LAKE                SHELBY COUNTY
   903-569-2087                       888-779-8330                       936-598-3682                        903-842-4113

                                                                                                           TYLER AREA CHAMBER OF COMMERCE
 MINERAL WELLS AREA                 POTTSBORO AREA                     SOUTHEAST DALLAS                      903-592-1661
   940-325-2557                       903-786-6371                       214-398-9590                      VAN ALSTYNE AREA
                                                                                                           CHAMBER OF COMMERCE
 CHAMBER OF COMMERCE                CHAMBER OF COMMERCE                  817-481-8200
   903-572-8767                       972-936-6462                                                         VERNON CHAMBER OF COMMERCE
                                                                       SOUTH TARRANT COUNTY                  940-552-2564
  903-759-2227                        972-508-4200                       817-568-2685                      WAXAHACHIE CHAMBER OF COMMERCE
 NACOGDOCHES COUNTY                 RED OAK AREA                       SOUTH WISE COUNTY
   936-560-5533                       972-576-3737                       940-433-5077                       817-594-3801

   903-897-2041                       972-792-2800                     CHAMBER OF COMMERCE                  903-297-7154
   903-628-2581                     CHAMBER OF COMMERCE                STEPHENVILLE CHAMBER OF COMMERCE    CHAMBER OF COMMERCE
                                      817-626-3377                       254-965-5313                        817-246-1121
   940-825-3526                     ROCKWALL COUNTY                    TARRANT COUNTY ASIAN AMERICAN       WHITEHOUSE AREA
                                    CHAMBER OF COMMERCE                CHAMBER                             CHAMBER OF COMMERCE
 NORTH DALLAS CHAMBER OF COMMERCE     972-771-5733                       817-212-2690                        903-839-8200
                                    ROSEBUD CHAMBER OF COMMERCE        TEMPLE CHAMBER OF COMMERCE          WHITEWRIGHT ARE
 NORTHEAST TARRANT                    254-583-7979                       254-773-2105                      CHAMBER OF COMMERCE
 CHAMBER OF COMMERCE                                                                                         903-364-2000
   817-281-9376                     ROWLETT CHAMBER OF COMMERCE        TERRELL CHAMBER OF COMMERCE
                                      972-475-3200                       972-563-5703                      WICHITA FALLS CHAMBER OF COMMERCE
 NORTHWEST METROPORT                                                                                         940-723-8773
   817-837-1000                       972-636-5000                       903-792-7191                      WILLS POINT CHAMBER OF COMMERCE
 CHAMBER OF COMMERCE                CHAMBER OF COMMERCE                  972-625-4916                      WILMER CHAMBER OF COMMERCE
   817-237-0060                       409-787-2732                                                           972-525-3668
                                                                       THE GREATER CEDAR CREEK LAKE AREA
   214-943-4567                       972-496-1212                       903-887-3152                        903-342-3666

   940-564-5445                       817-232-0500                     CHAMBER OF COMMERCE                  214-228-5844
  903-884-3600                        940-995-2188                                                           972-387-1099

 CHAMBER OF COMMERCE                  254-947-5040
                                    SAN AUGUSTINE COUNTY
 CHAMBER OF COMMERCE                  936-275-3610
                                    SANGER AREA CHAMBER OF COMMERCE
 PANOLA COUNTY                        940-458-7702
   903-693-6634                     SANTA ANNA CHAMBER OF COMMERCE

Visit us online:                                                                   DALLAS/FORT WORTH Small Business Resource —   43
  PATRIOT EXPRESS                       ONE WORLD BANK                     BANK OF TEXAS                         FIRST COMMUNITY BANK, N.A.             JPMORGAN CHASE BANK N.A.
                                          2449 Walnut Hill Ln.               333 W. Campbell Rd.                    201 Flint Ridge Rd., Ste. 201         12875 Josey Ln.
  LENDERS                                 Dallas, TX                         Richardson, TX 75080                   Webster, TX 75598                     Dallas, TX 75234
                                          Dennis Ortiz                       Lisa Autry                             Jon Sullivan                          Mark C. Hare
  AMEGY                                   972-243-7775 • 469-916-2508 F      214-575-1928 • 972-234-8641 F          281-282-1406 • 281-990-8481 F         214-965-4325 • 214-451-6332 F
    2501 N. Harwood St., Ste. 1500
    Dallas, TX                          OPPORTUNITY BANK, N.A.             BANK TEXAS, N.A.                      FIRST FINANCIAL BANK, N.A.             LIBERTY BANK
    Tyler Pope                            1301 E. Campbell Rd.               1825 N. Pacific                        201 E. Main                            860 W. Airport Frwy., #100.
    214-754-6105 • 214-754-6668 F         Richardson, TX                     Mineola, TX 75773                      Eastland, TX 76448                     Hurst, TX 76180
                                          Fredda K. Morgan                   Ryan James                             David Bailey                           Donna Moon
  BANCORPSOUTH BANK                       469-385-2789 • 469-385-2777 F      903-569-8010 • 903-569-5451 F          254-629-6139 • 254-629-6104 F          817-479-1023 • 817-605-3120 F
    3000 New Boston Rd.
    Texarkana, TX                       PROSPERITY BANK PLP                BANK TEXAS, N.A.                      FIRST FINANCIAL BANK, N.A.             METROBANK, N.A.
    David Crenshaw                        1862 Rock Prairie Rd.              412 E. Goode St.                       2201 W. South Loop                   275 W. Campbell Rd., Ste. 111
    903-334-7532 • 903-831-5791 F         College Station, TX                Quitman, TX 75783                      Stephenville, TX 76501               Richardson, TX 75080
                                          Beverly Layne                      Ryan James                             Trent Tidwell                        Judith Lee
  BANK OF AMERICA, N.A.                   936-825-7030 • 936-825-7078 F      903-763-2264 • 903-763-4911 F          254-918-6250 • 254-918-6294 F        972-889-6688 • 972-680-2025 F
    901 Main St., 68th Fl.
    Dallas, TX 75202                    SUPERIOR FINANCIAL GROUP           CAPITAL ONE, N.A.                     FIRST NATIONAL BANK OF BAIRD,          MUTUAL OF OMAHA BANK
    John “Jay” Brown Jr.                  165 Lennon Ln., Ste. 100           5793 Gilesburg Dr.                  THE                                     5950 Sherry Ln., Ste. 100
    214-209-1911 or 800-440-1502          Walnut Creek, CA                   Haymarket, VA 20169                    244 Market St.                       Dallas, TX
                                          Jim Beck                           Susan Streich                          Baird, TX 79504                      Cheryl Barnes
  BANK OF TEXAS                           877-675-0500 • 925-269-0510 F      804-314-6472 • 571-222-7309 F          Scott Lindley                        214-257-7559 • 214-750-0440 F
    333 W. Campbell Rd.                                                                                             325-674-1885 • 326-675-5020 F
    Richardson, TX                      TEXAS BANK                         CITIBANK, N.A.                                                               NARA BANK
    Lisa Autry                            400 Fisk                            8401 N. Central Expwy., Ste. 500   FIRST NATIONAL BANK OF EVANT             3010 LBJ Frwy., Ste. 1025
    214-575-1928 • 972-234-8641 F         Brownwood, TX                       Dallas, TX                            3411 E. Main                          Dallas, TX 75234
                                          Dee Reynolds/Luis Locker            Steve LaFredo                         Gatesville, TX 76528                  Richard Park
  CENTER BANK                             325-649-9200 • 325-649-9298 F       972-419-3344 • 972-419-3589 F         Chris Bergman                         469-522-4955 • 469-522-4952 F
    2727 LBJ Hwy.                                                                                                   254-865-2783
    Dallas, TX                          TEXAS CAPITAL BANK                 CITIZENS NATIONAL BANK OF TX                                                 NEWTEK SMALL BUSINESS
    Jason J. Kim                          2200 McKinney Ave., Ste. 400        P.O. Box 717                       FIRST NATIONAL BANK OF                 FINANCE, INC.
    888-868-8949 • 213-427-6080 F         Dallas, TX                          Waxahachie, TX 75168               GILMER, THE                               1440 Broadway, 17th Fl.
                                          Carl Murguia                        Jennifer McCarty                      201 N. Wood St.                        New York, NY 10018
  COLEMAN COUNTY STATE BANK.              214-932-6793 • 214-932-6607 F       972-938-4300 • 972-938-4364 F         Gilmer, TX 75644                       Peter Downs
    4609 Southwest Dr.                                                                                              Barry Smith                            212-356-9510 • 212-356-9510 F
    Abilene, TX                         TITAN BANK                         COLEMAN COUNTY BANK                      903-843-4100 • 903-843-4164 F
    Reave Scott                            1701 E. Hubbard St.               4609 Southwest Dr.                                                         ONE WORLD BANK
    325-692-8660 • 325-692-8661 F          Mineral Wells, TX                 Abilene, TX 79608                   FIRST NATIONAL BANK OF                   2449 Walnut Hill Ln.
                                           Sandy McCarver                    Reave Scott                         HUGHES SPRING, THE                       Dallas, TX 75229
  FIRST FINANCIAL BANK, N.A.               940-325-9821 • 940-325-3870 F     325-692-8660 • 325-692-8661 F          17045 State Hwy. 154/P.O. Box 420     Dennis Ortiz
     201 E. Main                                                                                                    Harleton, TX 75651                    972-243-7775 • 469-916-2508 F
     Eastland, TX                       WELLS FARGO TEXAS, N.A.            COMMUNITY BANK (TEXAS)                   Lee Lewis
     David Bailey                        1445 Ross Ave., 23rd Fl.            1300 S. University, Ste. 100           903-777-3532                        OPPORTUNITY BANK, N.A.
     254-629-6139 • 254-629-6104 F       Dallas TX                           Fort Worth, TX 76107                                                         1301 E. Campbell Rd.
                                         Dwight Hilton                       P. Diann Brewer                     FIRST NATIONAL BANK & TRUST              Richardson, TX 75081
  FIRST INTERNATIONAL BANK               214-661-1246 • 866-972-2664 F       817-426-7003 • 817-447-8140 F       CO. OF WEATHERFORD                       Fredda K. Morgan
     1912 Ave. K                                                                                                    220 Palp Pinto/P.O. Box 730           469-385-2789 • 469-385-2777 F
     Plano, TX
     John Shaver                        SMALL RURAL                        COMPASS BANK                             Weatherford, TX 76086
                                                                             17218 Preston Rd., 2nd Fl.             David Long                          PLAINS CAPITAL BANK
     469-429-2408 • 972-422-7144 F      LENDER ADVANTAGE                     Dallas, TX 75252                       817-598-4940 • 817-598-4902 F         18111 Preston Rd., Ste. 110
                                        (S/RLA) PROGRAM                      Rosaline Aguirre Fletcher                                                    Dallas, TX 75252
  INDEPENDENT BANK OF TEXAS                    972-735-3562 • 972-735-3598 F       FROST NATIONAL BANK, THE                 Chris Defransico/Andrew Crawford
    4300 N. Beltline Rd.                                                                                           P.O. Box 1600                          972-732-1989 • 972-248-7728 F
    Irving, TX
    Jim Kahler
                                        EXPORT EXPRESS                     FIDELITY BANK                           San Antonio, TX 76102
                                        LENDERS & EXPRESS                     2525 Kell Blvd., Ste. 100            Linda Wileman                        PROSPERITY BANK PLP
    972-506-2936 • 972-870-9333 F                                             Wichita Falls, TX 76308              210-220-4543 • 210-220-4588 F          1862 Rock Prairie Rd.
                                        LENDERS                               Danny Cremeens                                                              College Station, TX
  JPMORGAN CHASE BANK N.A.                                                    940-569-9000 • 940-569-9003 F      GRAND BANK OF TEXAS                      Beverly Layne
    12875 Josey Ln.                     AUSTIN BANK TEXAS, N.A.                                                    2341 S. Beltline Rd.                   936-825-7030 • 936-825-7078 F
    Dallas, TX 75234                      2609 Gilmer Rd.                  FIRST BANK                              Grand Prairie, TX 75051
    Mark C. Hare                          Longview, TX 75604                  4110 Kell Blvd.                      Don Goldsmith/Bill Moser             REGIONS BANK
    214-965-4325 • 214-451-6332 F         Kent Bryson, Sr.                    Wichita Falls, TX 76309              972-237-0245 • 972-264-3609 F          213 N. Fredonia
                                          903-981-4400 • 903-247-2268 F       Doug Kunkle                                                                 Longview, TX 75601
  METROBANK, N.A.                                                             940-691-0000 • 940-691-9988 F      INDEPENDENT BANK OF TEXAS                Brad W. Robison/Cami Kollat
   275 W. Campbell Rd., Ste. 111        BANK OF AMERICA, N.A.                                                      4300 N. Beltline Rd.                   903-237-3519 • 903-237-3590 F
   Richardson, TX                         901 Main St., 68th Fl.           FIRST BANK OF CELESTE                   Irving, TX 75038                       903-535-4369 • 903-535-4251 F
   Judith Lee                             Dallas, TX 75202                    301 N. Hwy. 69                       Jim Kahler
   972-889-6688 • 972-680-3025 F          John “Jay” Brown Jr.                Celeste, TX 75423                    972-506-2936 • 972-870-9333 F
                                          214-209-1911 or 800-440-1502        Robert Barnard
                                                                              800-594-7881 • 903-568-4149 F

44 — Small Business Resource         DALLAS/FORT WORTH                                                                                                         Visit us online:
     6050 Southwest Blvd., #100         2237 Royal Ln.                         2609 Gilmer Rd.                        120 E. Main St.                   OF AUSTIN PLP
     Fort Worth, TX 76109               Dallas, TX 75229                       Longview, TX                           Forney, TX                          P.O. Box 1600
     Debra Cheek                        Ian Song                               Kent Bryson, Sr.                       Jonathan Voight                     San Antonio, TX
     817-962-4015 • 817-731-4295 F      JP Park                                903-981-4400 • 903-247-2268 F          972-564-3921 • 972-564-3367 F       Linda Wileman
                                        972-919-9999 • 972-919-9988 F                                                                                     210-220-4893 • 210-220-4588 F
   SOUVERIGN BANK                                                            BANK OF AMERICA, N.A. PLP             COMERICA BANK, TEXAS PLP
     2438 E. Southlake Blvd.          WOODFOREST NATIONAL BANK                 901 Main St., 68th Fl.                1508 W. Mockingbird Ln.            GRAND BANK OF TEXAS PLP
     Southlake, TX 76092               8408 Davis Blvd., Ste. 100              Dallas, TX                            Dallas, TX                           2341 S. Beltline Rd.
     Katheryn Walker                   North Richland Hills, TX 76180          John “Jay” Brown Jr.                  Rodney Thompson                      Grand Prairie, TX
     817-472-1930                      Barrett England                         214-209-1911 or 800-440-1502          214-589-1301 • 214-589-1411 F        Don Goldsmith
                                       Scott Davies                            312-453-5224 F                                                             Bill Moser
   TEXAS BANK                          817-503-4220 or 817-503-4221                                                COMMERCIAL BANK OF TEXAS,              972-237-0245 • 972-264-3609 F
     400 Fisk                          817-514-9630 F                        BANK OF TEXAS PLP                     N.A. PLP
     Brownwood, TX 76801                                                       333W Campbell Rd                      191 W. Main St.                    INDEPENDENT BANK OF TEXAS
     Dee Reynolds/Luis Locker         WORTHINGTON NATIONAL BANK                Richardson, TX                        Lewisville, TX                     PLP
     325-649-9200 • 325-649-9298 F     4814 Colleyville Blvd./P.O. Box 659     Lisa Autry                            Kenneth Byrd                         4300 N. Beltline Rd.
                                       Colleyville, TX 76034                   214-575-1928 • 972-234-8641 F         972-906-1206 • 972-221-0032 F        Irving, TX
   TEXAS BANK                          Gary W. Price                                                                                                      Jim Kahler
     1120 Hwy. 79 N.                   817-656-6200 • 817-656-6206 F         BANK OF THE WEST PLP                  COMMUNITY BANK PLP                     972-506-2936 • 972-870-9333 F
     Henderson, TX 75653                                                       108 N. Northwest Hwy.                 1300 S. University, Ste. 100
     Lisa King                        SMALL LOAN                               Grapevine, TX                         Fort Worth, TX                     JPMORGAN CHASE BANK N.A. PLP
     903-657-1966 • 903-657-3842 F                                             Lee Ely                               P Diann Brewer                       12875 Josey Ln.
                                      ADVANTAGE &                              817-310-1903 • 817-310-6672 F         817-426-7003 • 817-447-8140 F        Dallas, TX
   TEXAS BANK & TRUST COMPANY         PREFERRED &                                                                                                         Mark C. Hare
     300 E Whaley                     CERTIFIED LENDERS                      BEACH BUSINESS BANK PLP               COMPASS BANK (ALABAMA) PLP             214-965-4325 • 214-451-6332 F
     Longview, TX 75606                                                        1230 Rosecrans Ave., Ste. 100         17218 Preston Rd., 2nd Fl.
     Christy Hester                   AMEGY PLP                                Manhattan Beach, CA                   Dallas, TX                         LIBERTY BANK PLP
     903-237-5500 • 903-237-5544 F      2501 N. Harwood St., Ste. 1500         Phil Bond                             Rosaline Aguirre Fletcher             860 W. Airport Frwy., Ste. 100
                                        Dallas, TX                             866-862-3878 • 310-802-2975 F         972-735-3562 • 972-735-3598 F         Hurst, TX
   TEXAS CAPITAL BANK, N.A.             Tyler Pope                                                                                                         Donna Moon
     2000 McKinney Ave., Ste. 700       214-754-6105 • 214-754-6668 F        CAPITAL ONE, N.A. PLP                 FIRST COMMUNITY BANK N.A.               817-479-1023 • 817-605-3120 F
     Dallas, TX 75244                                                          5793 Gilesburg Dr.                  PLP
     Carlos Munguia                   AMERICAN BANK OF TEXAS PLP               Haymarket, VA 20169                    201 Flint Ridge Rd., Ste. 201     METROBANK, N.A. PLP
     214-932-6793 • 214-932-6607 F      6100 Preston Rd.                       Susan Streich                          Webster, TX                        275 West Campbell Rd., Ste. 111
                                        Frisco, TX                             804-314-6472 • 571-222-7309 F          Jon Sullivan                       Richardson, TX
   TEXAS SECURITY BANK                  Melanie Gross                                                                 281-282-1406                       Judith Lee
     1212 Turtle Creek                  972-335-1900 ext. 5514               CAPITAL SOURCE BANK PLP                                                     972-889-6688 • 972-680-3025 F
     Dallas, TX 75207                   972-335-1902 F                         5800 Granite Pkwy., Ste. 265        FIRST COMMUNITY BANK, N.A.
     John Munk                                                                 Plano, TX                           PLP                                  MUTUAL OF OMAHA BANK PLP
     469-398-4823 • 214-571-6010 F    AMERICAN BANK OF TEXAS PLP               John Batt                              1755 N. Collins Blvd., Ste. 100    5950 Sherry Ln., Ste. 100
                                        2011 Texoma Pkwy.                      214-519-1885 • 214-619-1874 F          Richardson, TX                     Dallas, TX
   TITAN BANK                           Sherman, TX                                                                   Darla Newby                        Cheryl Barnes
      1701 E. Hubbard St.               Tim Blalock                          CATHAY BANK PLP                          972-470-4032 • 972-470-4019 F      214-257-7559 • 214-750-0440 F
      Mineral Wells, TX 76068           903-813-5745 • 903-813-5771 F          4100 Legacy Dr., Ste. 403
      Sandy McCarver                                                           Plano, TX                           FIRST FINANCIAL BANK. N.A. PLP       NARA BANK PLP
      940-325-9821 • 940-325-3870 F   AMERICAN BUSINESS LENDING,               Sushma Malhotra                        201 E. Main                         3010 LBJ Frwy., Ste. 1025
                                      INC. PLP                                 972-618-2000 • 972-618-7345 F          Eastland, TX                        Dallas, TX
   TOWN & COUNTRY BANK                  1420 W. Mockingbird Ln., Ste. 380                                             David Bailey                        Richard Park
     150 N. Harbin Dr.                  Dallas, TX                           CIT SMALL BUSINESS LENDING               254-629-6139 • 254-629-6104 F       469-522-4955 • 469-522-4952 F
     Stephenville, TX 76401             Jody Muse                            PLP
     Chad Gilley                        214-580-8681 • 214-580-8661 F           5430 LBJ Frwy., #1200              FIRST NATIONAL BANK OF BAIRD         NEWTEK SMALL BUSINESS
     254-968-4125 • 254-968-4413 F                                              Dallas, TX                         PLP                                  FINANCE, INC. PLP
                                      AMERICAN NATIONAL BANK                    Pete O’Hern                           244 Market St.                       1440 Broadway, 17th Fl.
     4555 W. Walnut
                                      OF TEXAS PLP
                                        102 W. Moore Ave.
                                                                                972-677-1431 • 972-677-1425 F         Baird, TX
                                                                                                                      Scott Lindley
                                                                                                                                                           New York, NY 10018
                                                                                                                                                           Peter Downs
                                                                                                                                                                                                 SBA TOP LENDERS
     Garland, TX 75042                  Terrell, TX                          CITIBANK, N.A. PLP                       325-673-1885 • 325-675-5020 F        212-356-9510 • 212-356-9510 F
     Syd Wagar                          Melissa Walker                          8401 N. Central Expwy., Ste. 500
     972-485-7758 • 972-276-3972 F      Dan Trollinger                          Dallas, TX                         FIRST NATIONAL BANK                  NEXBANK, SSB PLP
                                        214-863-6605 • 214-863-6133 F           Steve Lafredo                      MID-CITIES CLP                         13455 Noel Rd., 22nd Fl.
   WELLS FARGO BANK, N.A.               214-863-6808 • 214-863-6585 F           972-419-3344 • 972-419-3589 F         4009 Airport Frwy.                  Dallas, TX
    5080 Spectrum Dr., Ste. 400E                                                                                      Bedford, TX                         Grant Smith
    Addison, TX 75001                 AMERICAN STATE BANK PLP                CITIZENS NATIONAL BANK                   Shane Mara                          972-934-4700 • 972-934-4785 F
    Rory O’’Loughlin                    1300 Santa Fe Dr.                    OF TEXAS PLP                             817-553-2500 • 817-553-2510 F
    972-419-3678 • 972-419-3135 F       Weatherford, TX                         P.O. Box 717                                                            ONE WORLD BANK PLP
                                        David Gary                              Waxahachie, TX                     FIRST WESTERN, SBLC, INC.              2449 Walnut Hill Ln.
   WELLS FARGO BANK, N.A.               817-594-0533 • 817-594-7827 F           Jennifer McCarty                   (PMC) PLP                              Dallas, TX
    1445 Ross Ave., 23rd Fl.                                                    972-938-4300 • 972-938-4364 F         17950 Preston Rd., Ste. 600         Dennis Ortiz
    Dallas, TX 75202                                                                                                  Dallas , TX                         972-243-7775 • 469-916-2508 F
    Dwight Hilton                                                                                                     Laurie Ivy
    214-661-1246 • 866-972-2664 F                                                                                     972-349-3207 • 972-349-3265 F

Visit us online:                                                                                                     DALLAS/FORT WORTH Small Business Resource —             45
    1301 E. Campbell Rd.                  400 Fisk                         PLP                               DEVELOPMENT COMPANY                  INCORPORATED
    Richardson, TX                        Brownwood, TX                      8408 Davis Blvd., Ste. 100        122 Plaza West/P.O. Box 5307         3702 Loop 322
    Fredda K. Morgan                      Dee Reynolds/Luis Locker           N. Richland Hills, TX             Texarkana, TX 75505                  Abilene, TX
    469-385-2789 • 469-385-2777 F         325-649-9200 • 325-649-9298 F      Scott Davies/Barrett England      L.D. Williamson                      Tom Mann
                                                                             832-375-2641 • 832-375-3644 F     Richard Powell                       325-672-8544 • 325-675-5214 F
  PLAINS CAPITAL BANK PLP               TEXAS CAPITAL BANK PLP                                                 903-832-8636 • 903-832-3441 F
    18111 Preston Rd., Ste. 110           2000 McKinney Ave., Ste. 700     WOODHAVEN NATIONAL BANK                                                DALLAS BUSINESS FINANCE
    Dallas, TX                            Dallas, TX                       PLP                               CAPITAL CERTIFIED DEVELOPMENT        CORPORATION
    Chris Defransico/Andrew Crawford      Carlos Munguia                     1700 E. Broad St.               CORPORATION                            400 S. Zang Blvd., Ste. 1210
    972-732-1989 • 972-248-7728 F         214-932-6793 • 214-932-6607 F      Mansfield, TX                     6611 Hillcrest Ave./P.O. Box 229     Dallas, TX 75208
                                                                             Lance Walker                      Dallas, TX 75205                     Charles McElrath
  PREMIER BANK PLP                      TEXAS FIRST BANK SANTA FE PLP        817-473-5979 • 817-473-5978 F     Robert Stringer                      214-948-7800 • 214-948-8104 F
    1630 Stout St.                        6516 Broadway, Ste. 100                                              214-215-7555
    Denver, CO                            Pearland, TX                     MICROLENDERS                                                           EAST TEXAS REGIONAL
    Ken So                                Barry Anderson/Ken Petree                                          CAPITAL CERTIFIED DEVELOPMENT        DEVELOPMENT COMPANY
    303-623-8888 • 303-623-8505 F         817-652-7474                     ACCION - DALLAS                   CORPORATION                            3800 Stone Rd.
                                          281-485-7270 • 281-485-5677 F      2060 Singleton Rd., Ste. 107      Wild Basin One                       Kilgore, TX
  PROSPERITY BANK PLP                                                        Dallas, TX                        110 Wild Basin Rd., Ste 270          David Cleveland
    1862 Rock Prairie Rd.               TEXAS SECURITY BANK PLP              George Cerna/Roscio Rueda         Austin, TX                           Luke Kimbrough
    College Station, TX                   1212 Turtle Creek Blvd.            866-215-2373 ext. 1305 & 1302     Craig Pinkley                        903-984-8641 or 903-984-3989
    Beverly Layne                         Dallas, TX                         214-941-6579 F                    512-327-9229 or 800-504-2232         903-983-1440 F
    936-825-7030 • 936-825-7078 F         John Munk                                                            512-327-9243 F
                                          469-398-4823 • 214-571-0610 F    BUSINESS & COMMUNITY                                                   GREATER EAST TEXAS CERTIFIED
  REGIONS BANK PLP                                                         LENDERS OF TEXAS                  CEN-TEX CERTIFIED                    DEVELOPMENT CORP.
    213 N. Fredonia                     TITAN BANK PLP                       1322 Record Crossing            DEVELOPMENT CORP.                      3600 Old Bullard Rd., Ste. 403
    Longview, TX                           1701 E. Hubbard St.               Dallas, TX                        2212 S. Congress                     P.O. Box 8274
    Brad W. Robison/Cami Kallat            Mineral Wells, TX                 A.R. Ruiz                         Austin, TX                           Tyler, TX 75701
    903-237-3519 • 903-237-3590 F          Sandy McCarver                    877-688-7457 • 214-688-7465 F     Rosa Rios Valdez                     John Hart
    903-535-4369 • 903-535-4257 F          940-325-9821 • 940-325-3870 F                                       512-326-9006 • 512-912-9869 F        903-535-9229 • 903-535-9232 F

                                                                           COMMUNITY                         CENTRAL TEXAS CERTIFIED              NORTH TEXAS CERTIFIED
    3451 Long Prairie Rd.               PLP                                ADVANTAGE LENDERS                 DEVELOPMENT CO.                      DEVELOPMENT CORP.
    Flower Mound, TX 75022                5220 Spring Valley Rd., #160                                         3000 S. 31st St., Ste. 501           600 N. Centeral Expwy., Ste. 600-A
    Rick Kastner                          Dallas, TX                       ACCION - DALLAS                     Temple, TX                           Plano, TX 75074
    817-810-2015 • 817-810-2055 F         Joel Shaddox                       2060 Singleton Rd., Ste. 107      Van Smith                            Webb Cox
                                          214-237-3170 • 214-237-3197 F      Dallas, TX                        254-899-8546 • 254-899-8333 F        972-516-0514 • 972-424-7479 F
  SOUTHSIDE BANK CLP                                                         George Cerna/Roscio Rueda
    1201 S. Beckham                     UNITED CENTRAL BANK-                 866-215-2373 ext. 1305 & 1302   CERTIFIED DEV. CORP.                 TEXAS CERTIFIED DEVELOPMENT
    Tyler, TX                           GARLAND PLP                          214-941-6579 F                  OF THE SOUTHWEST                     COMPANY
    Steve Manley                          4555 W.Walnut                                                        610 S Industrial Blvd., Ste. 200     1701 E. 7th St.
    903-531-7251 • 903-597-0497 F         Garland, TX                      BUSINESS & COMMUNITY                Euless, TX 76040                     Austin, TX
                                          Syed Wagar                       LENDERS OF TEXAS                    Susan Daywood                        Ernest Perales
  SOUTHWEST BANK PLP                      972-485-7258 • 972-276-3972 F      1322 Record Crossing              972-639-6911 • 972-767-4400 F        512-433-1175 or 800-486-8620
    3737 S.W. Loop 820                                                       Dallas, TX                                                             512-433-1821 F
    Fort Worth, TX                      UNITED COMMUNITY BANK PLP            A.R. Ruiz                       COMMUNITY CERTIFIED
    Julie Fuller-Jones                    2100 FM 407                        877-688-7457 • 214-688-7465 F   DEVELOPMENT CORP.                    TEXAS CERTIFIED DEVELOPMENT
    817-298-5543 • 817-292-6725 F         Highland Village, TX                                                 8590 Hwy. 6 N.                     CO., INC.
                                          Mary Frosto                      INTERMEDIARY                        Houston, TX                          1431 Greenway Dr., Ste 800
  SOUTHWEST SECURITIES BANK               972-317-9935 • 972-317-4973 F    LENDING PILOT                       Bill Ebersole                        Irving, TX 75038
  PLP                                                                                                          713-457-1650 • 713-457-0652 F        A.R. Ruiz
    6050 Southwest Blvd., Ste. 100      WELLS FARGO BANK, N.A. PLP         PROGRAM                                                                  972-910-7404 • 972-870-4499 F
    Fort Worth, TX                       5080 Spectrum Dr., Ste. 400E
    Debra Cheek                          Addison, TX                       BUSINESS & COMMUNITY
    817-962-4015 • 817-731-4295 F        Rory O’Loughlin                   LENDERS OF TEXAS
                                         972-419-3678 • 972-419-3135 F       1322 Record Crossing
  SYNERGY BANK, SSB PLP                                                      Dallas, TX
    8951 Synergy Dr., Ste. 100          WELLS FARGO TEXAS, N.A. PLP          A.R. Ruiz
    McKinney, TX                         1445 Ross Ave., 23rd Fl.            877-688-7457 • 214-688-7465 F
    Maria G. Balcazar                    Dallas, TX
    972-562-1400 • 972-562-1420 F        Dwight Hilton                     Certified
                                         214-661-1246 • 866-972-2664 F     Development
    One Royal Rd./P.O. Box 2480         WILSHIRE STATE BANK PLP
    Flemington, NJ                        2237 Royal Ln.
                                                                           ALLIANCE LENDING
    Thomas Ort                            Dallas, TX
    908-806-6200 • 908-237-4787 F         Ian Song/JP Park
                                                                             1150 South Frwy., Ste. 215
                                          972-919-9999 • 972-919-9988 F
                                                                             Fort Worth, TX 76104
                                                                             James Stokes Jr.
                                                                             817-871-6444 • 817-332-6456 F

46 — Small Business Resource         DALLAS/FORT WORTH                                                                                                   Visit us online:

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