Kansas City Business

Document Sample
Kansas City Business Powered By Docstoc
kansas city/


 Small Business
 Start, Grow
 and Succeed
  6     Getting Started in Kansas City/Springfield
  17    Getting Approved
  30    Government Contracting

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

                                                                                           Phone: 863-294-2812 • 800-274-2812
                                                                                           Fax: 863-299-3909 • www.sbaguides.com

                                                      2010-2011 MISSOURI                   President/CEO
                                                                                           Joe Jensen                   jjensen@reni.net

    FEATURES                                                                               English Small Business Resource Advertising
                                                                                           Nicky Harvey             nharvey@reni.net

     3         Introduction                      35     Disaster Recovery
                                                                                           Martha Theriault
                                                                                           John Beward
               • 3 Administrator’s Letter               There are several types of
                                                        assistance available to
               • 4 Director’s Message
                                                        qualified applicants.

     6         Getting Started                   36     Advocacy
                                                                                           SBA’s Marketing Office:
                                                                                           The Small Business Resource Guide is published
                                                        Find out about the outside         under the direction of SBA’s Office of Marketing and
               Everything you need to know
                                                                                           Customer Service.
               about setting up, marketing              research for the small business
                                                        owners.                            Director
               and managing the revenue of
                                                                                           Laura Fox            laura.fox@sba.gov
               your business.
                                                 37     Other Sources of                   Editorial Content
                                                                                           Robert Dillier    robert.dillier@sba.gov
     12        Regulations                              Chambers of Commerce can be
                                                                                           Graphic Design
               Common requirements that                 a vital resource for the small     Shellehamer gary.shellehamer@sba.gov
                                                        business owner.
               affect small businesses.                                                    SBA’s participation in this publication is not an
                                                                                           endorsement of the views, opinions, products or
                                                 39     Lender Listing                     services of the contractor or any advertiser or other
     17        Getting Approved                                                            participant appearing herein. All SBA programs and
                                                                                           services are extended to the public on a
               Financing Options                                                           nondiscriminatory basis.

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

                                                                                           While every reasonable effort has been made to
                                                                                           ensure that the information contained herein was
     30        Contracting Opportunities                                                   accurate as of the date of publication, the information
                                                                                           is subject to change without notice. Neither the
               SBA is working to ensure small                                              contractor, the federal government, or agents thereof
               businesses obtain fair share of                                             shall be held liable for any damages arising from the
               government contracts and                                                    use of or reliance on the information contained in this
               subcontracts with a number
               of programs.
                                                  “Everything you need to know             SBA Publication # MCS-0018

                                                                                           This publication is provided under SBA Contract
                                                      about setting up, marketing          # SBAHQ05C0014.
                                                      and managing the revenue of
                                                      your business.  ”

2 — Small Business Resource
                                 Ways To Evaluate Your
                                 Strengths and Weaknesses

                                                                             Page 7
                                                                                                                      Visit us online: www.sba.gov/mo
                                              The U.S. Small Business Administration

                                              FROM THE ADMINISTRATOR

                          ur job at the SBA is to                          This year, we’re building on this progress with a

                          support small businesses.
                          In this guide, you’ll find
                 out about everything you need to
                                                                           special effort to increase America’s small business
                                                                           exports. We’re looking to increase the number of
                                                                           small business exporters as well as expand their reach
                 start and grow your business. If                          into more international markets. We’re working with
                 you’re thinking about exporting,                          our partners across the federal government to identify
                 we can offer you a loan. If you’re                        and prepare small businesses who want to export,
                 thinking about becoming a                                 while promoting tools such as SBA’s Export Working
                 government contractor, we can                             Capital Program loans, which you can read about in
help you get that first contract. If you’re thinking                       this guide.
about writing a business plan, we have counselors
standing by.                                                               If you have any questions, contact your local SBA field
                                                                           office or one of our resource partners. We’re here to
From the stores on Main Street that we visit every day                     help, because we know that America’s small
to the high-growth, high-impact firms that drive                           businesses will lead us toward economic recovery, as
innovation and global competitiveness, small                               they’ve done time and time again throughout our
businesses everywhere are thriving and creating jobs                       nation’s history.
by working with the SBA.
                                                                           With warm regards,
The Recovery Act continues to play an important role
in helping small businesses drive our recovery. In its                     Karen G. Mills
first year, Recovery Act programs helped the SBA                           Administrator
provide more than 50,000 loans that put $21.9 billion                      Small Business Administration
into the hands of entrepreneurs and small business
owners. Our borrowers reported that these loans
helped them save and create hundreds of thousands
of jobs. And, across the country, we continue to get
Recovery Act resources into the hands of small
businesses so they can drive local economic growth
and create jobs.

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

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

Visit us online: www.sba.gov/mo                                                                                MISSOURI Small Business Resource —   3
                                                           Message From The District Director

Kansas City District Office
Springfield Branch Office
SBA Staff Listing                                                                       Finding Capital
Kansas City District Office Moore, Robbie
1000 Walnut St., Ste. 500 816-426-4933
Kansas City, MO 64106
                            Myers, Marge
                                                                    sk any entrepreneur, actual or              as difficult. Inexperienced or ill-prepared

Front Desk                  816-426-4913
                                                                    potential, what their biggest holdup to     borrowers do not make matters any easier by
                            Ramsey, Debra                           launching or growing their business is,     submitting incomplete or poorly filled loan
816-426-4939 Fax
                                                                    and the answer will come quick and          applications, or by showing up without a
                                                                    sure: Money.                                business plan, prompting lenders to assume that
Bailey, Linda
                              Ross, David
                                                                                                                you may be a high risk.
                              816-426-4903                There is little doubt, if any, that finding capital
                                                          to finance your business venture is the most          To improve your chances of obtaining a loan,
Caldwell, Barbara                                         basic and important of all your business              you must be prepared and organized. You must
                              Ross, Jacquelyn
816-426-4902                                              activities. It also can be the most frustrating one   know exactly how much money you need, why
                              816-426-4910                                                                      you need it, and how you will pay it back. You
                                                          if you don’t know where and how to look, but it
Coleman, Glenna                                           need not be so. Finding capital can be a smooth,      must be able to convince your lender that you
                              Surmeier, Ken
816-426-4914                                              rewarding experience provided you study               are a good credit risk.
                                                          diligently and plan effectively.
                                                                                                                Approval of your loan request depends on how
Cook, Gary                    Walker, Celestine                                                                 well you present yourself, your business, and
816-426-4915                  816-426-4908                However obvious it may seem, the first thing
                                                          you need to know before setting out in search of      your financial needs to a lender. Remember,
                                                          money is how much you need. Here, again, a            lenders want to make loans, but they must make
DeVoe, Kathy                  Government Contracting                                                            loans they know will be repaid. The best way to
                              Turner, David               thorough business plan will be critical in
                                                          determining your financial needs.                     improve your chances of obtaining a loan is to
                              816-823-1722                                                                      prepare a written proposal.
Fayne, Robert
                              Springfield Branch Office   Once you have determined how much money
                                                          you need, there are several sources to consider    In addition to general information – business
                              830 E. Primrose, Ste. 101
                                                          when looking for financing. It is important to     name, names of principals, Social Security
Hardin, Rhonda                Springfield, MO 65807
                                                          explore all of your options before making a        number for each principal, business address,
816-426-4911                  417-890-8501
                                                          decision.                                          purpose of the loan, amount required- a well-
                              417-889-0074 Fax                                                               written loan proposal should contain, again, the
Hayne, Kathi                                              Personal savings: The primary source of main elements of your business plan: Business
                                                          capital for most new businesses comes from Description, Management Profile, Market
                              Bowman, Janice
                                                          savings and other personal resources. While Information, and Financial Information.
                              417-890-8501 ext. 203
Heusinkvelt, Neida                                        credit cards are often used to finance business
                                                          needs, there are usually better and less expensive The SBA, through its district and branch office
                              Cowart, Walter
816-426-4906                  417-890-8501 ext. 215                                                          and resource partners, can help you prepare a
                                                          options available, even for very small loans.
                                                                                                             sound loan application that will enhance your
                                                          Friends and relatives: Many entrepreneurs chances of getting the funds you need.
James, Judy                   Jones, Brent
816-426-4905                  417-890-8501 ext. 209
                                                          look to private sources such as friends and family
                                                          when starting out in a business venture. Often, And if at first you are turned down by a lender,
                                                          money is loaned interest-free or at a low interest ask him or her about an SBA 7(a) loan guaranty.
Malcolm, Kim                  Simmons, Rebecca
816-235-6675                  417-890-8501 ext. 202
                                                          rate, which can be beneficial when getting Often, there’s very little additional paperwork,
                                                          started.                                           and a guaranty can often be approved within a
                                                                                                             couple of days.
We Welcome Your                                           Banks and credit unions: The most
                                                          common sources of funding, banks and credit For more information on how the SBA can help
Questions                                                 unions, will provide a loan if you can show that you find the money you need for your business,
                                                          your business proposal is sound, which is shown visit its Web site at www.sba.gov.
For extra copies of this publication or                   by your business plan.
questions please contact:                                                                                       Sincerely,
                                                          Angel Investors and Venture capital
                                                          firms: These individuals and firms help
Kansas City District Office                               expanding companies grow in exchange for
1000 Walnut Street, 5th Floor                             equity or partial ownership.
Kansas City, MO 64106
                                                          Borrowing money from a bank or other Gary Cook
Tel.: 816-426-4900 Fax: 816-426-4939                      financial institution to start a business – and even District Director of
                                                          for established small businesses – is usually seen SBA's Kansas City District Office
Website: www.sba.gov/mo

4 — Small Business Resource   MISSOURI                                                                                               Visit us online: www.sba.gov/mo
                                                                                         The SBA helps business

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

KANSAS CITY DISTRICT OFFICES                KANSA CITY DISTRICT OFFICE                                            SuCCeSS STORY
Adair,    Andrew,     Atchison,   Bates,    Allen, Anderson, Atchison, Bourbon,
                                                                                                                   Jeffrey L. Messenger
Buchanan, Caldwell, Carroll, Cass,          Brown, Cherokee, Coffey, Crawford,
Chariton, Clay, Clinton, Cooper, Davies,    Doniphan, Douglas, Franklin, Jackson,                                  Wanda F. Messenger
DeKalb, Gentry, Grundy, Harrison, Henry,    Jefferson, Johnson, Labette, Leavenworth,
                                                                                                                   Kessler-Heasley Artificial
Holt, Howard, Jackson, Johnson,             Linn, Marshall, Miami, Montgomery,                                     Limb Co.
Lafayette, Linn, Livingston, Mercer,        Nemaha, Neosho, Osage, Pottawatomie,                                   d/b/a Ozarks Prosthetics
Nodaway, Pettis, Platte, Ray, Saline,       Shawnee, Wilson, Woodson, and                                          and Orthotics
Sullivan, and Worth.                        Wyandotte.
                                                                                        Heasley Artificial Limbs Company d/b/a Ozarks
MISSOURI COUNTIES SERVED BY THE                                                         Prosthetics and Orthotics is a company owned and
                                                                                        operated by Jeff and Wanda Messenger. Ozarks
SPRINGFIELD BRANCH OFFICE                                                               Prosthetics is a service and manufacturing
Barry, Barton, Benton, Camden, Christian,                                               company that provides artificial limbs and
Cedar, Dade, Dallas, Douglas, Greene,                                                   mobility devices to a wide range of people with
Hickory, Howell, Jasper, Laclede,                                                       disabilities. The business not only manufactures a
                                                                                        great deal of the limbs and devices, but they also
Lawrence, McDonald, Morgan, Newton,                                                     invent some of the tooling needed to create the
Ozark, Polk, Pulaski, St. Clair, Stone,                                                 prosthetics.
Taney, Texas, Vernon,      Webster, and
Wright.                                                                                 The Messengers have entrepreneurialship in their
                                                                                        blood. Jeff Messenger has owned several
                                                                                        successful small businesses including a café, a
                                                                                        water-softener company, and until 2003, a well-
                                                                                        drilling business.

                                                                                        But the well-drilling business is for “younger
                                                                                        people” says Jeff. After owning Messenger Well
                                                                                        Drilling for 25 years, he decided he needed to find
                                                                                        something a little easier to do, and also a
                                                                                        profession that wasn’t economy driven.

                                                                                        Jeff didn’t know one thing about prosthetics and
                                                                                        orthotics before he bought Ozark Prosthetics and
                                                                                        Orthotics (OPO) in 2003. There were many aspects
                                                                                        to learn; more specifically, the complex billing
                                                                                        system, contracts, fee scheduling and dealing with
                                                                                        Medicare and Medicaid. But being an
                                                                                        entrepreneur, Jeff knew all about researching and
                                                                                        making calls to resolve any difficulties. It wasn’t
                                                                                        long before things were operating smoothly. In
                                                                                        fact, OPO has experienced 400% growth since
                                                                                        2003: attributable to improved administrative
                                                                                        procedures and a device they invented to use
                                                                                        during the healing process for the comfort and
                                                                                        safety of the patient. OPO had seven employees
                                                                                        when he bought the business and today he
                                                                                        employees thirteen people, with hopes of hiring
                                                                                        more next year.

                                                                                        OPO now operates between two locations, 12
                                                                                        miles apart. Their location in Ozark, Missouri, is
                                                                                        used for seeing and fitting patients; in Springfield,
                                                                                        Missouri, products are fabricated. Soon that will
                                                                                        change. Jeff was approved for an SBA 504 loan
                                                                                        through RMI, which enables him to consolidate
                                                                                        both locations into a newly constructed 11,720 sq.
                                                                                        ft. building in Springfield. The new facility will
                                                                                        have state of the art technology; making it one of a
                                                                                        few in the country capable of videotaping a patient
                                                                                        walking in their new prosthetic or brace and
                                                                                        sending it directly to a doctor for viewing.

                                                                                                                            continued on page 22

Visit us online: www.sba.gov/mo                                                                      MISSOURI Small Business Resource —         5

                          GettinG Started
                         The SBA Can Help You Start And Expand Your Business
                                                                                              information about SCORE, SBDCs, WBCs
                                                                                              and       VBOCs       is    detailed      at:
                                                                                                 These professionals can also help with
                                                                                              writing a formal business plan, locating
                                                                                              sources of financial assistance, managing
                                                                                              and expanding your business, finding
                                                                                              opportunities to sell your goods or services
                                                                                              to the government, and recovering from

                                                                                              Sba’S reSource partnerS
                                                                                                 SCORE, “Counselors to Americas Small
                                                                                              Businesses” is composed of 10,500-active
                                                                                              and       retired     volunteer    business
                                                                                              professionals. With more than 40 years
             very day, the U.S. Small            • More than 23 free online courses and       experience helping small businesses

E            Business Administration and its       workshops available                        succeed, SCORE matches volunteer
             nationwide network of resource      • Online, interactive assessment tools are   business counselors with clients in need of
                                                   featured and used to direct clients to     expert advice. SCORE has advisers with
             partners help millions of             appropriate training.                      expertise in nearly every area of business
             potential and current small         Course topics include a financial primer     and maintains a national skills roster to
business owners start, grow and succeed.       keyed around SBA’s loan-guaranty               help identify the best counselor for a
   Whether your target market is global or     programs, a course on exporting, and           particular client. Volunteer counselors,
just your neighborhood, the SBA and its        courses for veterans and women’s               whose collective experience spans the full
resource partners can help at every stage of   contracting as well as an online library of    range of American enterprise, share their
turning your entrepreneurial dream into a      business publications and articles.            management and technical expertise with
thriving business.                               Find the SBTN at: www.sba.gov/training.      both current and prospective small
   If you’re just starting, the SBA and its
                                                                                              business owners.
resources can help you with loans and          Where To Go To Get Started                        Volunteers work in or near their home
business management skills. If you’re             Our resources include the SBA’s district    communities providing management
already in business, you can use the SBA’s     offices serving every state and territory,     mentoring and training to first-time
resources to help manage and expand your       nearly 400 chapters of SCORE – Counselors      entrepreneurs and current small business
business, obtain government contracts,         to     America’s     Small    Businesses,      owners. They meet with clients at a SCORE
recover from disaster, find foreign markets,   approximately 900 Small Business               community location, such as at a Chamber
and make your voice heard in the federal       Development Centers, approximately 110         of Commerce, bank, an SBA office or at the
government.                                    Women’s Business Centers and eight             client's place of business.
   You can access SBA help online 24 hours     Veterans Business Outreach Centers                Every effort is made to match a client's
a day at www.sba.gov or visit one of our       located across the country. More               needs with an adviser experienced in a
local offices for assistance.                                                                 comparable line of business. All individual

SBA’s Online Training
  SBA’s Small Business Training Network                                                   • You get to be your own boss.
is an Internet-based training site. It                                                    • Hard work and long hours directly benefit you, rather
provides small businesses with free online        ON THE UPSIDE                             than increasing profits for someone else.
courses, workshops, learning tools and
                                                  It’s true, there are a lot of reasons   • A new venture is exciting.
business-readiness assessments.
  Key Features of the SBTN:                       not to start your own business. But     • Earnings and growth potential are unlimited.
  • Training is available anytime and             for the right person, the advantages
    anywhere—all you need is a computer           of business ownership far outweigh      • Running a business will provide endless
    with Internet access.                         the risks.                                variety, challenge and opportunities to learn.

6 — Small Business Resource   MISSOURI                                                                                   Visit us online: www.sba.gov/mo
                                           and team counseling is free; there may be a    retain jobs. Partially funded by a
   EVALUATE                                nominal fee for workshops and seminars.
                                              Through in-depth mentoring and
                                                                                          cooperative agreement with SBA, SBDCs
                                                                                          are focused on providing long-term
                                           training,    SCORE       volunteers     help   counseling to clients to help them grow
                                                                                          successful businesses. The SBDC network
   Start by evaluating your                prospective and established small business
                                           owners and managers identify problems,         provides counseling and training to more
                                                                                          than 550,000 existing or start-up businesses
   strengths and weaknesses                determine the causes and find solutions.
                                              Any small business can obtain help from     annually.
                                           SCORE. Whether you are considering                SBDCs assist with development of
                                           starting your own business, have a             business plans, provide manufacturing,
                                           business that is experiencing problems, are    financial packaging, surety bonds,
                                           ready to expand, or need some other type       contracting and international trade
                                           of advice, SCORE can help. The approach is     assistance. Special emphasis areas include
   1. Are you a self-starter?                                                             e-commerce, technology transfer, IRS, EPA
      It will be up to you – not           confidential and personal. You don't need
                                                                                          and OSHA regulatory compliance, research
                                           to be applying for or have an SBA loan to
      someone else telling you – to        participate in the program. In fact, an idea
                                                                                          and development, Defense Economic
      develop projects, organize your                                                     Transition Assistance, export assistance,
                                           is all that is necessary; consultation and
      time and follow through on                                                          disaster recovery assistance and market
                                           mentoring before a business opens its doors
                                                                                          research. SBDCs also provide special
      details.                             is an important part of SCORE's service.
                                                                                          assistance to veterans and help with energy
                                              SCORE can also be found on the Internet
                                                                                          efficiency under new program initiatives.
                                           at: www.score.org.
   2. How well do you get along                                                           Based on client needs, SBDCs tailor their
                                              Business owners use the Web to fulfill
      with different personalities?                                                       services to meet the evolving needs of the
                                           their needs for information and advice.
                                                                                          local small business community.
      Business owners need to develop      SCORE is primed to meet requests for help
                                                                                             SBDCs deliver management and
      working relationships with a         by offering e-mail counseling, maps to local
                                                                                          technical assistance to prospective and
                                           SCORE chapters, hotlinks to other business
      variety of people including                                                         existing small businesses using an effective
                                           resources on the Internet and more. E-mail
      customers, vendors, staff,           counseling is provided by the Cyber-           business education network of 948 service-
      bankers, lawyers, accountants and    chapter, which now includes more than          center locations contracted to manage a
                                           1,200 online members. You can choose from      broad-based SBDC program. SBDCs are
      consultants. Can you deal with a                                                    located throughout the U.S., District of
      demanding client, an unreliable      almost 800 unique skills to find the cyber
                                           counselor who best suits your specific         Columbia, Guam, American Samoa, Puerto
      vendor or a cranky staff person?     needs, including counseling for veterans,      Rico and the U.S. Virgin Islands.
                                           service-disabled veterans and Reserve             For more information, visit the Web site
   3. How good are you at making           component members. SCORE also offers           at: www.sba.gov/aboutsba/sbaprograms/
                                           more than 30 online training workshops on      sbdc/index.html.
      decisions?                                                                          Kansas SBDCs
                                           topics for small businesses.
      Small business owners are            SCORE Business Resource Center
      required to make decisions           Chapter #19                                    KSBDC State Office
                                              4747 Troost                                    214 S.W. 6th St., Ste. 301
      constantly, often quickly, under                                                       Topeka, KS 66603
                                              Kansas City, MO 64110
      pressure.                               816-235-6675                                   785-296-6514 • 785-291-3261 Fax
   4. Do you have the physical and         Topeka Chapter #342
                                              c/o Washburn University SBDC                Johnson County Community College
      emotional stamina to run a              1700 S.W. College Ave.                         CEC Bldg., Rm. 223
      business?                               Topeka, KS 66621                               Overland Park, KS 66210
                                              785-231-1010 ext. 1305                         913-469-3878 • 913-469-2547 Fax
      Business ownership can be                                                              cstreet@johnco.cc.ks.us
      challenging, fun and exciting. But   Lake of the Ozarks Chapter #493
      it’s also a lot of hard work. Can       University Extension                        Pittsburg State University
                                              739 W. Hwy. 54                                 Shirk Hall, 1501 S. Joplin
      you face 12-hour workdays six or                                                       Pittsburg, KS 66762
                                              Camdenton, MO 65020
      seven days a week?                      573-346-5441                                   620-235-4920 • 620-235-4949 Fax
   5. How well do you plan and             Springfield Chapter #61
                                              Springfield Branch Office                   University of Kansas
      organize?                               830 E. Primrose, Ste. 101                      734 Vermont, Ste. 104
      Research indicates many                 Springfield, MO 65807                          Lawrence, KS 66044
                                              417-890-8501 ext. 218                          785-843-8844 • 785-865-4400 Fax
      business failures could have been                                                      office@kusbdc.net
      avoided through better planning.
      Good organization – of financials,   Small buSineSS development                     Washburn University
      inventory, schedules, production     centerS                                           120 S.E. 6th St., Ste. 110
                                                                                             Topeka, KS 66603
      – can help avoid pitfalls.             Small Business Development Centers              785-234-3235 • 785-234-8656 Fax
                                           meet the needs of small businesses and            sbdc@washburn.edu
                                           promote economic development in local
                                           communities by helping to create and

Visit us online: www.sba.gov/mo                                                                       MISSOURI Small Business Resource —   7
Missouri SBDCs                                 Truman State University
                                                   100 E. Normal
                                                                                                   iS entrepreneurSHip For You?
Missouri SBDC State Office                         Kirksville, MO 63501                               In business, there are no guarantees.
    University of Missouri - Columbia              660-785-4307 or 660-785-4357                    There is simply no way to eliminate all the
    410 S. Sixth St., 200 Engineering N.           rmsmith@truman.edu                              risks associated with starting a small
    Columbia, MO 65211                                                                             business - but you can improve your
    573-884-1555 • 573-884-4297 Fax            West Plains SBDC (Satellite)                        chances of success with good planning,
    summersm@missouri.edu                          Missouri State University
    www.missouribusiness.net/sbdc/                 128 Garfield                                    preparation, and insight. Start by
                                                   West Plains, MO 65775                           evaluating your strengths and weaknesses
University of Central Missouri                     417-255-7966 • 417-255-7963 Fax                 as a potential owner and manager of a
    Small Business & Technology Dev. Center        russellwyrick@missouristate.edu                 small business. Carefully consider each of
    Dockery Ste. 102                                                                               the following questions:
    Warrensburg, MO 64093
    660-543-4402 • 660-543-8159 Fax
                                               Women’S buSineSS centerS                              • Are you a self-starter? It will be entirely
                                                  The SBA’s Women Business Center                      up to you to develop projects, organize
                                                                                                       your time, and follow through on details.
                                               Program is a network of 110 community-
Chillicothe Satellite Center                                                                         • How well do you get along with
                                               based centers which provide business
    Chillicothe City Hall                                                                              different       personalities? Business
                                               training, counseling, mentoring and other
    715 Washington St.                                                                                 owners need to develop working
    Chillicothe, MO 64601                      assistance geared toward women,
                                                                                                       relationships with a variety of people
    660-646-6920 • 660-646-6811 Fax            particularly those who are socially and
                                                                                                       including customers, vendors, staff,
    sbdchill@greenhills.net                    economically disadvantaged. Partially
                                                                                                       bankers, and professionals such as
                                               funded through a cooperative agreement
Missouri Southern State University                                                                     lawyers, accountants, or consultants. Can
                                               with the SBA, WBCs are located in nearly
    Robert W. Plaster Free Enterprise Center                                                           you deal with a demanding client, an
    3950 Newman Rd.                            every state and U.S. territory.                         unreliable vendor, or a cranky
    Joplin, MO 64801                              To meet the needs of women                           receptionist if your business interests
    417-625-9313 • 417-625-9782 Fax            entrepreneurs, the WBCs offer services at               demand it?
    krudwig-j@mssu.edu                         convenient times and locations, including             • How good are you at making
                                               weekends. Some offer child care during                  decisions? Small business owners are
Northwest Missouri State University            training and many provide assistance and
    423 N. Market                                                                                      required to make decisions constantly -
    Maryville, MO 64468                        materials in different languages, depending             often quickly, independently, and under
    660-562-1701 • 660-562-3071 Fax            on the needs of the individual communities              pressure.
    sbdc@nwmissouri.edu                        they serve. WBC services create local                 • Do you have the physical and
                                               economic growth and vitality; in fiscal                 emotional stamina to run a business?
University of Missouri - Kansas City           2009, the WBC Program counseled and                     Business ownership can be exciting, but
    Small Business & Technology Development    trained more than 155,000 clients.                      it's also a lot of work. Can you face six or
    Center                                        WBC training courses are often free or               seven 12–hour workdays every week?
    4747 Troost, Ste. 103                      are offered at a small fee with scholarships          • How well do you plan and organize?
    Kansas City, MO 64110                      often available to those who need them. A               Research indicates that poor planning is
    816-235-6063 • 816-235-2947 Fax            number of WBCs also provide courses and                 responsible for most business failures.
                                               counseling via the Internet, mobile                     Good organization — of financials,
Missouri State University                      classrooms and satellite locations.                     inventory, schedules, and production —
    Glass Hall                                    To find the nearest SBA WBC or to learn              can help you avoid many pitfalls.
    901 S. National                            more about SBA programs and services,                 • Is your drive strong enough? Running a
    Springfield, MO 65804                      visit     the       SBA’s       Web      site           business can wear you down emotionally.
    417-836-5685 • 417-836-7666 Fax            http://www.sba.gov/idc/groups/public/docum              Some business owners burn out quickly
    sbdc@missouristate.edu                                                                             from having to carry all the responsibility
                                                                                                       for the success of their business on their
St. Joseph Satellite Center
    St. Joseph Chamber of Commerce             are You riGHt For Small                                 own shoulders. Strong motivation will
                                                                                                       help you survive slowdowns and periods
    3003 Frederick Ave.
    St. Joseph, MO 64506-5104                  buSineSS oWnerSHip?                                     of burnout.
    816-232-4461 • 816-364-4873 Fax               Most new business owners who succeed               • How will the business affect your
    ryansbdc@saintjoseph.com                   have planned for every phase of their                   family? The first few years of business
                                               success. Thomas Edison, the great                       start-up can be hard on family life. It's
                                               American inventor, once said, “Genius is 1              important for family members to know
                                               percent inspiration and 99 percent                      what to expect and for you to be able to
                                               perspiration.” That same philosophy also                trust that they will support you during
                                               applies to starting a business.                         this time. There also may be financial
                                                  First, you’ll need to generate a little bit of       difficulties until the business becomes
       For ALL Your Franchising                                                                        profitable, which could take months or
                                               perspiration deciding whether you’re the
       Needs                                   right type of person to start your own                  years. You may have to adjust to a lower
       Go To:                                  business.                                               standard of living or put family assets at
                                                                                                       risk in the short-term.

8 — Small Business Resource   MISSOURI                                                                                   Visit us online: www.sba.gov/mo
   Once you’ve answered those questions,                                                             Some general areas include:
you should consider what type of business
you want to start. Businesses can include
                                                     WEBSITE                                           • Zoning regulations. If your business
                                                                                                         operates in violation of them, you could
franchises, at-home businesses, Web-based             Business plan help                                 be fined or shut down.
                                                                                                       • Product restrictions. Certain products
businesses or brick-and-mortar stores.
                                                                                                         cannot be produced in the home. Most
                                                Find your nearest SCORE chapter at:                      states outlaw home production of
FrancHiSinG                                     www.score.org.
                                                For business plan help at the SCORE Web
                                                                                                         fireworks, drugs, poisons, explosives,
   There are more than 3,000 business                                                                    sanitary or medical products and toys.
                                                site, click on “Business Tools” from the left-hand       Some states also prohibit home-based
franchises. The challenge is to decide on
                                                menu, then click on “Template Gallery.”                  businesses from making food, drink or
one that both interests you and is a good                                                                clothing.
investment. Many franchising experts                                                                    Be sure to consult an attorney and your
                                                You can find the           nearest   VBOC      at:
suggest that you comparison shop by             www.sba.gov/vets.                                    local and state departments of state, labor
looking at multiple franchise opportunities                                                          and health to find out which laws and
before deciding on the one that's right for     To find WBCs, click on: www.sba.gov/services/        regulations will affect your business.
you.                                            and choose “Women’s Business Centers” from the       Additionally, check on registration and
   Some of the things you should look at        “Counseling and Assistance” heading at the           accounting requirements needed to open
when evaluating a franchise: profitability,     bottom.                                              your home-based business. You may need
effective financial management and other                                                             a work certificate or license from the state.
controls, a good image, integrity and                                                                Your business name may need to be
                                                You can also find business-plan help on the SBA’s
commitment, and a successful industry.                                                               registered with the state. A separate
                                                Web site at:
   In the simplest form of franchising, while                                                        business telephone and bank account are
you own the business, its operation is                                                               good business practices.
                                                then choose “Writing a Business Plan” from the          Also remember, if you have employees
governed by the terms of the franchise          “Plan Your Business” menu along the bottom.          you are responsible for withholding
agreement. For many, this is the chief
                                                                                                     income and social-security taxes, and for
benefit for franchising. You are able to            Working under the same roof where                complying with minimum wage and
capitalize on a business format, trade name,                                                         employee health and safety laws.
                                                your family lives may not prove to be as
trademark and/or support system                                                                         If you’re convinced that opening a
                                                easy as it seems. It’s important to work in a
provided by the franchisor. But you operate                                                          home-based business is for you, it’s time to
                                                professional environment. One suggestion
as an independent contractor with the                                                                create your business plan. The SBA and its
                                                is to set up a separate office in your home to
ability to make a profit or sustain a loss                                                           resource partners, such as SCORE, SBDCs
                                                create this professional environment.
commensurate with your ownership.                                                                    and WBCs can help make the process
                                                    Ask yourself these questions – and
   If you are concerned about the risk                                                               easier.
                                                remember, there are no best or right reasons
involved in a new, independent business
                                                for starting a home-based business. But it is
venture, then franchising may be an option
for you. Remember that hard work,
                                                important to understand what the venture             WritinG a buSineSS plan
                                                involves:                                               After you’ve thought about what type of
dedication and sacrifice are key elements in
                                                  • Can I switch from home responsibilities          business you want, the next step is to
the success of any business venture,
                                                    to business work?                                develop a business plan. Think of the
including a franchise.                                                                               business plan as a roadmap with mile-
                                                  • Do I have the self-discipline to maintain
   For more information visit the SBA Web                                                            stones for the business. It begins as a pre-
site at: http://www.sba.gov/smallbusiness                                                            assessment tool to determine profitability
                                                  • Can I deal with the isolation of working
planner/start/ and click on “Buy a                                                                   and market share, then expands as an in-
                                                    from home?
Franchise” from the menu on the right side                                                           business assessment tool to determine
                                                  • Am I a self-starter?
or call your local SBA office.                                                                       success, obtain financing and determine
                                                                                                     repayment ability, among other factors.
                                                Finding Your Niche
Home-baSed buSineSSeS                             Choosing a home business must be
                                                                                                        Creating a comprehensive business plan
                                                                                                     can be a long process, and you need good
   Going to work used to mean traveling         approached carefully.                                advice. The SBA and its resource partners,
from home to a plant, store or office. Today,                                                        including Small Business Development
many people do some or all their work at        Ask yourself:                                        Centers, Veterans Business Outreach
home.                                             • Does my home have the space for a                Centers, SCORE and Women’s Business
   Garages, basements and attics are being          business?                                        Centers, have the expertise to help you craft
                                                  • Can I identify and describe the business I       a winning business plan.
transformed      into     the      corporate
                                                    want to establish?
headquarters of the newest entrepreneurs –                                                              In general, a good business plan
                                                  • Can I identify my business product or
home-based business owners.                                                                          contains:
                                                  • Is there a demand for that product or            Introduction
Getting Started                                     service?                                           • Give a detailed description of the
   Before diving headfirst into a home-           • Can I successfully run the business from             business and its goals.
based business, you must know why you               home?                                              • Discuss ownership of the business and its
are doing it. To succeed, your business                                                                  legal structure.
must be based on something greater than a       Legal Requirements                                     • List the skills and experience you bring to
desire to be your own boss. You must plan          A home-based business is subject to                   the business.
and make improvements and adjustments           many of the same laws and regulations                  • Discuss the advantages you and your
along the road.                                 affecting other businesses.                              business have over competitors.

Visit us online: www.sba.gov/mo                                                                                  MISSOURI Small Business Resource —   9
Marketing                                      services designed to help small               equal owners of about half of all small
  • Discuss the products and services your     companies succeed, from the planning          businesses.      SBA      serves        women
    company will offer.                        stages through expansion.                     entrepreneurs nationwide through its
  • Identify customer demand for your             A computer lab with the latest in          various programs and services, some of
    products and services.                     business software can help entrepreneurs      which are designed especially for women.
  • Identify your market, its size and         do research, prepare business plans,              The SBA’s Office of Women’s Business
    locations.                                 create brochures or develop company           Ownership serves as an advocate for
  • Explain how your products and services     letterhead and business cards. The “Ask
    will be advertised and marketed.                                                         women-owned business and oversees a
                                               Harry” software program, touted as the        nationwide network of more than a
  • Explain your pricing strategy.             “ultimate business consultant,” is used
                                                                                             hundred women’s business centers that
                                               by clients for things such as determining
Financial Management                           whether or not they would qualify for a
                                                                                             provide business training, counseling and
  • Develop an expected return on
                                               small business loan.                          mentoring geared specifically to women,
    investment and monthly cash flow for the                                                 especially those who are socially and
    first year.
                                                  The reference library offers resources
                                               for nearly every aspect of operating a        economically disadvantaged. The program
  • Provide projected income statements, and                                                 is a public-private partnership with locally-
    balance sheets for a two-year period.      small business, including marketing,
                                               pricing, sales strategies, starting a home-   based nonprofits and each tailors its
  • Discuss your break-even point.
  • Explain your personal balance sheet and    based operation and franchising.              services to meet the needs of its community.
    method of compensation.                    Comprehensive manuals, guides and             Women’s Business Centers serve a wide
  • Discuss who will maintain your             videos      make      accessing      needed   diversity of geographic areas, population
    accounting records and how they will be    information easy for BRC clients. Some of     densities, and economic environments,
    kept.                                      the most frequently used resources are        including urban, suburban, and rural.
  • Provide “what if” statements addressing    the start-up guides for over 150 different    Local economies vary from depressed to
    alternative approaches to potential        businesses. The guides provide “how-to”       thriving, and range from metropolitan
    problems.                                  information for opening and operating a       areas to entire states. Each Women’s
                                               specific type of business.                    Business Center tailors its services to the
Operations                                        SCORE        provides         one-on-one   needs of its individual community, but all
  • Explain how the business will be           counseling services in areas such as
    managed day-to-day.                                                                      offer a variety of innovative programs,
                                               business        planning         marketing,   often including courses in different
  • Discuss hiring and personnel procedures.   accounting, pricing and financing
  • Discuss insurance, lease or rent                                                         languages. They provide training in
                                               options. Clients may meet with a
    agreements, and issues pertinent to your                                                 finance, management, marketing, and the
                                               counselor on a one-time basis or for
    business.                                                                                Internet, as well as access to all of the SBA’s
  • Account for the equipment necessary to
                                               several sessions, whichever meets the
                                               needs of the business. For more               financial and procurement assistance
    produce your goods or services.                                                          programs.
  • Account for production and delivery of     information call or visit:
                                               Business Resource Center Chapter #19              SBA also reaches out to women
    products and services.
                                                  4747 Troost                                entrepreneurs through women’s business
Concluding Statement                              Kansas City, MO 64110                      ownership representatives in every SBA
                                                  816-235-6675                               district office who coordinate services,
   Summarize your business goals and
                                                  Hours: 8:00 a.m. to 5:00 p.m.              provide access to business training and
objectives and express your commitment            Monday through Friday.
to the success of your business. Once you                                                    counseling, to credit and capital, and
                                                  Appointments are recommended for
have completed your business plan,                                                           marketing opportunities, including federal
                                                  counseling and computer use.
review it with a friend or business                                                          contracts.
associate and professional business            National SCORE Organization
counselor like SCORE or SBDC                      www.score.org                              veteranS and reServiStS
representatives, SBA district office
business development specialists or            Kansas City SCORE Chapter and                 buSineSS development
veterans       business     development        Business Resource Center                        The SBA offers a variety of services to
specialists.                                      www.scorekc.org                            American veterans who have made or are
   Remember, the business plan is a               chapter19@scorekc.org
                                                                                             seeking to make the transition from service
flexible document that should change as                                                      member to small business owner. Each of
your business grows.
                                               Springfield SCORE Chapter #61
                                                  www.springfieldscore.org                   SBA's 68 district offices has designated a
                                                  springfieldscore@sbcglobal.net             veterans business development officer to
Business Resource Center                                                                     help veterans prepare, plan and succeed in
  On any given day, you can walk into
the Business Resource Center (BRC)             reacHinG underServed                          entrepreneurship.
operated by SCORE and find a number of
emerging entrepreneurs hard at work.           audienceS                                     Veterans Business Outreach
They might be sitting at a computer            Women business owners                         Centers
terminal preparing cash flow projections,                                                      Eight Veterans Business Outreach
                                                  Women entrepreneurs are changing the
engrossed in a business plan outline in                                                      Centers located in Massachusetts, New
the reference library, engaging in an in-      face of America's economy. In the 1970s,
                                                                                             York, Pennsylvania, Florida, Michigan,
depth conversation with a SCORE                women owned less than five percent of the
                                                                                             Texas, Missouri and California provide
counselor, or possibly photographing           nation’s businesses. Today, they are
                                                                                             online and face to face entrepreneurial
their product with the center’s digital        majority owners of about a third of the
                                               nation’s small businesses and are at least    development services for veterans and
camera. The BRC offers a range of                                                            reservists such as business training,

10 — Small Business Resource   MISSOURI                                                                            Visit us online: www.sba.gov/mo
counseling and mentoring, pre-business
plan workshops, feasibility analysis, and
                                                  SBA’s Patriot Express Initiative has new
                                                and enhanced programs and services for
                                                                                              native american buSineSS
referrals to additional small business          veterans and members of the military          development
resources.                                      community wanting to establish or expand         The SBA is also working to ensure that
   During fiscal 2009, VBOC’s counseled or      small businesses. See the Financing section   entrepreneurship      opportunities    are
trained 122,901 veteran entrepreneurs. To       for more information on Patriot Express.      available for American Indians, Native
learn more about the Veterans Business          SBA Answer Desk                               Alaskans and Native Hawaiians seeking to
                                                   800-U-ASK-SBA                              create, develop and expand small
Outreach program or find the nearest SBA
                                                                                              businesses. These groups have full access
VBOC, visit the SBA Web site at                                                               to the necessary business development and
www.sba.gov/vets.                                  www.business.gov                           expansion tools available through the
   SBDCs and SCORE also provide targeted                                                      agency’s entrepreneurial development,
management assistance to veterans who           U.S. Small Business Administration            lending and procurement programs. More
are current or prospective small business          www.sba.gov                                information is at: http://www.sba.gov/
owners. SCORE also provides resources                                                         aboutsba/sbaprograms/naa/index.html.
and counseling services online at:
   The SBA offers special assistance for
small businesses owned by activated
Reserve and National Guard members.
Any self-employed Reserve or Guard
member with an existing SBA loan can
request from their SBA lender or SBA
district office, loan payment deferrals,
interest rate reductions and other relief
after they receive their activation orders.
   Additionally, the SBA offers special low-
interest-rate financing to small businesses
when an owner or essential employee is
called to active duty. The Military Reservist
Economic Injury Disaster Loan Program
provides loans to eligible small businesses
to cover operating costs that cannot be met
due to the loss of an essential employee
called to active duty in the Reserves or
National Guard. Small businesses may
apply for MREIDLs of up to $2 million if
they have been financially impacted by the
loss of an essential employee. The SBA has
created a special Web page specifically for
Reserve and Guard members at:
   To ensure that veterans, service-disabled
veterans and Reserve and National Guard
member entrepreneurs receive special
consideration in all its entrepreneurial
programs and resources, the SBA has
established an Office of Veterans Business
Development. OVBD develops and
distributes informational materials for
entrepreneurship such as the Veterans
Business Resource Guide, VETGazette,
Getting Veterans Back to Work. Veterans
may access these resources and other
assistance from OVBD by visiting the Web
site at: www.sba.gov/VETS/.
   For more information or special
assistance with government contracting,
including programs for veterans and
service-disabled veterans, please check the
Contracting Opportunities section of this
publication, and the Web site above.

Visit us online: www.sba.gov/mo                                                                         MISSOURI Small Business Resource —   11

               knoWinG tHe ruleS
                          Paying Attention to Detail Can Save Time and Money
                                                                                                 partnerships, “C” and “S” corporations and
                                                                                                 limited liability companies.
                                                                                                    Each structure offers unique tax and
                                                                                                 liability benefits. If you’re uncertain which
                                                                                                 business format is right for you, you may
                                                                                                 want to discuss options with a business
                                                                                                 counselor or attorney.

                                                                                                 Sole Proprietorship
                                                                                                    One person operating a business as an
                                                                                                 individual is a sole proprietorship. It’s the
                                                                                                 most common form of business
                                                                                                 organization. Profits are taxed as income to
                                                                                                 the owner personally. The personal tax rate
                                                                                                 is usually lower than the corporate tax rate.
                                                                                                 The owner has complete control of the
                                                                                                 business, but faces unlimited liability for its
                                                                                                 debts. There is very little government
                                                                                                 regulation or reporting required with this
           ven if your consulting service or        “Feature Topics” focuses on common

                                                                                                 business structure.
           hand-knit sweater business is         business concerns. It provides context to
           based from your home, it will         the compliance information provided on          General Partnership
           have to comply with many of the       the site and helps business owners
                                                                                                    A partnership exists when two or more
           numerous local, state, and            understand in plain language the
                                                 regulatory requirements their businesses        persons join together in the operation and
federal regulations. Avoid the temptation to
                                                 face. Additional topics are added on a          management of a business. Partnerships
ignore regulatory details. Doing so may
                                                 regular basis in response to the most           are subject to relatively little regulation and
avert some red tape in the short term, but
could be an obstacle as your business            frequent searches on the site.                  are fairly easy to establish. A formal
grows. Taking the time to research the                                                           partnership agreement is recommended to
applicable regulations is as important as        buSineSS orGanization                           address potential conflicts such as: who
                                                                                                 will be responsible for performing each
knowing your market. Bear in mind that             There are many forms of legal structure
regulations vary by industry. If you're in the   you may choose for your business. Each          task; what, if any, consultation is needed
food-service business, for example, you          legal structure offers organizational options   between partners before major decisions,
will have to deal with the health                with different tax and liability issues. We     and what happens when a partner dies.
department. If you use chemical solvents,        suggest you research each legal structure       Under a general partnership each partner is
you will have environmental compliances          thoroughly and consult a tax accountant         liable for all debts of the business. Profits
to meet. Carefully investigate the               and/or attorney prior to making your            are taxed as income to the partners based
regulations that affect your industry. Being     decision.                                       on their ownership percentage.
out of compliance could leave you                Kansas Secretary of State
unprotected legally, lead to expensive              Memorial Hall, 1st Fl.                       Limited Partnership
penalties and jeopardize your business.             120 S.W. 10th Ave.
                                                    Topeka, KS 66612-1594                            Like a general partnership, a limited
                                                                                                 partnership is established by an agreement
                                                                                                 between two or more persons. However,
  Business.gov provides a one-stop shop          Missouri Secretary of State                     there are two types of partners.
for federal resources from the agencies that        Corporation Division                           • A general partner has greater control in
regulate or serve businesses.                       P.O. Box 778                                     some aspects of the partnership. For
  While most businesses in the United               Jefferson City, MO 64102                         example, only a general partner can
States are required to obtain a permit,             573-751-4153                                     decide to dissolve the partnership.
professional license, or identification                                                              General partners have no limits on the
number to operate, finding the right license     cHooSinG Your buSineSS                              dividends they can receive from profit so

can be a major challenge for potential                                                               they incur unlimited liability.
business owners. Business.gov’s “Permit                                                            • Limited partners can only receive a share
                                                   You may operate your business under               of profits based on the proportional
Me” feature provides a single source for
                                                 one of many organizational structures. The          amount on their investment, and liability
obtaining information about federal and
                                                 most common organizational structures are           is similarly limited in proportion to their
state permits and professional licenses for                                                          investment.
businesses.                                      sole proprietorships, general and limited

12 — Small Business Resource   MISSOURI                                                                                Visit us online: www.sba.gov/mo
“C” Corporation
   A “C” corporation is a legal entity created
                                                  buSineSS inSurance                                business. This policy covers the business'
                                                                                                    liability for any damage which may result
                                                     Like home insurance, business insurance        for such usage.
under state law by the filing of articles of
                                                  protects the contents of your business               Officer and Director – Under most state
incorporation. A corporation is a separate
                                                  against fire, theft and other losses. Contact     laws, officers and directors of a corporation
entity having its own rights, privileges and
                                                  your insurance agent or broker. It is             may become personally liable for their
liabilities, apart from those of the
                                                  prudent for any business to purchase a            actions on behalf of the company. This type
individual(s) forming the corporation. It’s
                                                  number of basic types of insurance. Some          of policy covers this liability.
the most complex form of business
                                                  types of coverage are required by law, other         Home Office – If you are establishing an
organization and is comprised of
                                                  simply make good business sense. The              office in your home, it is a good idea to
shareholders, directors and officers. Since
                                                  types of insurance listed below are among         contact your homeowners' insurance
the corporation is a separate legal entity in
                                                  the most commonly used and are merely a           company to update your policy to include
its own right it can own assets, borrow
                                                  starting point for evaluating the needs of        coverage for office equipment. This
money and perform business functions
                                                  your business.                                    coverage is not automatically included in a
without directly involving the owners.
                                                     Liability Insurance – Businesses may           standard homeowner's policy.
Corporations are subject to more
                                                  incur various forms of liability in
government regulation and offer the
                                                  conducting their normal activities. One of
owners the advantage of limited liability,
but not total protection from lawsuits.
                                                  the most common types is product liability,       emploYer identiFication
                                                  which may be incurred when a customer
                                                  suffers harm from using the business
Subchapter “S” Corporation                        product. There are many other types of               An EIN, also known as a federal tax
  Subchapter “S” references a special part        liability, which are frequently related to        identification number, is used to identify a
of the Internal Revenue Code that permits a       specific industries. Liability law is             business entity. Generally all businesses
corporation to be taxed as a partnership or       constantly changing. An analysis of your          need an EIN. You may apply for an EIN in
sole proprietorship, with profits taxed at        liability insurance needs by a competent          a variety of ways, including online, phone,
the individual, rather than the corporate         professional is vital in determining an           fax.     Taxpayers can obtain an EIN
rate. A business must meet certain                adequate and appropriate level of                 immediately by calling 800-829-4933,
requirements for Subchapter “S” status.           protection for your business.                     Monday through Friday, from 7:30 a.m. to
Contact the IRS for more information.                Property – There are many different            5:30 p.m. customer's local time.
                                                  types of property insurance and levels of            Taxpayers can fax EIN requests seven
LLCs and LLPs                                     coverage available. It is important to            days a week/24 hours a day by dialing the
   The limited liability company is a             determine the property you need to insure         fax number to one of three IRS campuses
relatively new business form. It combines         for the continuation of your business and         that accept applications. The instructions
selected corporate and partnership                the level of insurance you need to replace        on the newly revised Form SS-4,
characteristics while still maintaining status    or rebuild. You must also understand the          Application for Employer ID Number,
as a legal entity distinct from its owners. As    terms of the insurance, including any             indicate which IRS Campus is assigned to
a separate entity it can acquire assets, incur    limitations or waivers of coverage.               their specific state. Detailed information
liabilities and conduct business. It limits          Business Interruption – While property         and an electronic SS-4 can be found at the
liability for the owners. The limited liability   insurance may pay enough to replace               IRS Small Business/Self Employed
partnership is similar to the LLC, but it is      damaged or destroyed equipment or                 Community Web site at: http://www.irs.gov/
for professional organizations.                   buildings, how will you pay costs such as         businesses/small/index. html, click on New
                                                  taxes, utilities and other continuing             Businesses. Faxed applications are
loGiSticS oF StartinG Your                        expenses during the period between when           processed in four days. These IRS
                                                                                                    Campuses accept faxed applications at the
buSineSS                                          the damage occurs and when the property
                                                  is replaced? Business Interruption (or            following numbers:
                                                  "business income") insurance can provide            Holtsville, NY             631-447-8960
buSineSS licenSeS                                 sufficient funds to pay your fixed expenses         Cincinnati, OH
                                                                                                      Philadelphia, PA
  There are many types of licenses, both          during a period of time when your
                                                  business is not operational.                        EINs are also issued automatically
state and local as well as professional.
                                                     "Key Man" – If you (and/or any other           online.   Visit the IRS Web site,
Depending on what you do and where you
plan to operate, your business may be             individual) are so critical to the operation of   http://www.irs.gov/businesses/small/article/0,
required to have various state and/or             your business that it cannot continue in the      ,id=102767,00.html for more information.
municipal licenses, certificates or permits.      event of your illness or death, you should
  Licenses are typically administered by a        consider "key man" insurance. This type of        Sales Tax Certificate of Authority
variety of state and local departments.           policy is frequently required by banks or            Sales tax is imposed on retail sales of
Consult your state or local government for        government loan programs. It also can be          tangible personal property and certain
assistance.                                       used to provide continuity in operations          services. All sales of tangible personal
                                                  during a period of ownership transition           property and taxable services are generally
                                                  caused by the death, incapacitation or            presumed taxable unless specifically
FictitiouS buSineSS name                          absence due to a Title 10 military activation     exempted by law. Persons making retail
  Registering your business name, after           of an owner or other "key" employee.              sales collect the sales tax from the purchaser
doing a search to make sure that it is not           Automobile – It is obvious that a vehicle      and remit the tax to the Department of
already in use, protects you from others          owned by your business should be insured          Revenue. The state sales tax for Missouri is
who might want to use the same name. For          for both liability and replacement                4.225%. Cities, counties and certain districts
more information, contact the county              purposes. What is less obvious is that you        may also impose local sales taxes as well, so
clerk’s office in the county where your           may need special insurance (called "non-          the amount of tax sellers collect from the
business is based. If you are a corporation,      owned automobile coverage") if you use            purchaser depends on the combined state
you’ll need to check with the state.              your personal vehicle on company                  and local rate at the location of the seller.

Visit us online: www.sba.gov/mo                                                                                MISSOURI Small Business Resource —   13
The state and local sales taxes are remitted
together to the Department of Revenue.
                                                     2937 S. Claremont Ave., Bldg. A
                                                     Springfield, MO 65804                        Federal paYroll tax
Once the seller remits sales tax to the              800-829-1040                                    Federal Withholding Tax: Any business
department, the department then                                                                   employing a person must register with the
distributes the local sales taxes remitted by       The Kansas Department of Revenue has          IRS and acquire an EIN and pay federal
the sellers to the cities, counties and          the Taxpayer Assistance Bureau which             withholding tax at least quarterly. File Form
districts. (Missouri Dept. of Revenue            provides free assistance to new businesses       SS-4 with IRS to obtain number and
www.dor.mo.gov/tax/ business/)                   regarding taxes, rules and required forms.       required tax forms. Call 800-829-3676 or
   Kansas imposes a 5.3% state retailers’        Seminars are held on a regular basis             800-829-1040 if you have questions.
sales tax, plus applicable local taxes on the:
                                                 through the state on sales tax, withholding
  • Retail sale, rental or lease of tangible
    personal property;                           tax and other business topics. One-on-one        irS Web productS For Small
  • Labor services to install, apply, repair,
    service, alter, or maintain tangible
                                                 counseling      on     form    preparation,
                                                 requirements and general business tax
                                                                                                    To provide the most timely and up-to-
    personal property, and                       issues is also available.
  • Admissions        to      entertainment,                                                      date tax information, the Small Business
                                                 Taxpayer Assistance Bureau
    amusement, or recreation places in               Docking State Office Bldg.                   Resource Guide (SBRG), formerly a CD-
    Kansas.                                          915 S.W. Harrison St.                        ROM, is available exclusively online at
  Cities and counties in Kansas may also             Topeka, KS 66625                             http://www.irs.gov/businesses/small/index.
levy a local sales tax. Each retailer reports        785-368-8222                                 html.
and remits the total of the state and local                                                          Designed to equip small business
retailers’ sales tax collected to the
Department of Revenue. (Kansas Dept. of
                                                 SaleS tax exemption                              owners with the skills and knowledge

Revenue www.ksrenue.org )                        certiFicate                                      needed to successfully start and manage a
                                                                                                  business, The SBRG covers a wide range of
                                                    If you plan to sell products, you will        tax topics Web links to business forms,
Federal                                          need a Sales Tax Exemption Certificate. It
                                                 allows you to purchase inventory, or
                                                                                                  publications, other useful governmental
                                                                                                  Web sites, and much more.
SelF-emploYment tax                              materials, which will become part of the
                                                 product you sell, from suppliers without
  Every employee must pay Social Security
and Medicare coverage. If you are self-          paying taxes. It requires you to charge sales    New IRS Applications Make Tax
employed, your contributions are made            tax to your customers, which you are
                                                 responsible for remitting to the state. You      Information More Accessible to
through the self-employment tax.                                                                  Small Businesses and the
  The IRS has publications, counselors and       will have to pay penalties if it is found that
workshops available to help you sort it out.     you should have been taxing your products        Self-employed
For more information, contact the IRS at         and now owe back taxes to the state. For           Maximizing the Web’s convenience,
800-829-1040.                                    information on sales tax issues, contact         accuracy and speed, IRS.gov, IRS’s web site,
                                                 your state’s government.                         now assists millions of individual
Business Tax Information                                                                          taxpayers, tax professionals, and small
  If you plan to hire employees you are also     Federal income tax                               business owners to better understand and
required to obtain a Federal Employee              Like the state income tax, the method of       meet their tax responsibilities.
Identification Number from the IRS. To           paying federal income taxes depends upon
obtain the registration form and reference                                                        Updated Virtual Small Business Tax
                                                 your legal form of business. The following
documents, contact the IRS at 800-829-4933                                                        Workshop
or visit their website: http://www.irs.gov/      procedures must be considered:
                                                   Sole Proprietorship: You must file IRS            The IRS’s Virtual Small Business Tax
businesses/small/index.html for complete                                                          Workshop (http://www.tax.gov/virtualwork
information.                                     Federal Form Schedule C along with your
                                                 personal Federal Income Tax return (Form
                                                                                                  shop) is an interactive resource to help
                                                                                                  small business owners learn about their
    120 S.E. Sixth Ave.                          1040) and any other applicable forms
    Topeka, KS 66603                                                                              federal tax rights and responsibilities. This
                                                 pertaining to gains or losses in your            dynamic educational product, available
                                                 business activity.                               online and on CD 24/7 from your
    5799 Broadmoor                                 Partnership: You must file a Federal           computer, consists of nine stand-alone
    Mission, KS 66202                            Partnership return (Form 1065). This is          lessons that can be selected and viewed in
    816-966-2840                                 merely informational to show gross and net       any sequence. A bookmark feature makes it
                                                 earnings of profit and loss. Also, each          possible to leave and return to a specific
    271 W. Third St. N.                          partner must report his share of                 point within the lesson. Users also have
    Wichita, KS 67202                                                                             access to a list of useful online references
    316-352-7401                                 partnership earnings on his individual
                                                                                                  that enhance the learning experience by
                                                 Form 1040 based on the information from
                                                                                                  allowing them to view references and the
MISSOURI                                         the K-1 filed with the Form 1065.                video lessons simultaneously.
    5800 E. Bannister Rd.                          Corporation: You must file a Federal              The Virtual Small Business Tax
    Kansas City, MO 64134                        Corporation Income Tax return (Form
    816-966-2840                                                                                  Workshop is the first of a series of video
                                                 1120). You will also be required to report       products designed exclusively for small
    201 S. 8th St.                               your earnings from the corporation               business taxpayers. A new companion
    St. Joseph, MO 64501                         including salary and other income such as        series called, “Your Guide to an IRS Audit”
    816-966-2840                                 dividends on your personal federal income        is in development with plans for a summer
                                                 tax return (Form 1040).                          2010 launch.

14 — Small Business Resource   MISSOURI                                                                                Visit us online: www.sba.gov/mo
IRS.gov Now Features Audio and                http://www.irs.gov/businesses/small/article/0,   periodic payments of, and/or file quarterly
Video                                         ,id=154825,00.html, click “Subscribe             reports about payroll taxes and other
  IRS is augmenting its curriculum of         Now” at the bottom of the page and enter         mandatory deductions. You may contact
online learning and educational               your e-mail address.                             these government agencies for information,
                                                                                               assistance and forms.
products for the small business community
by developing new live broadcasting,          Social SecuritY cardS                            Social Security Administration
phone forums and webinars, and offering          All employees must have a social                 http://www.ssa.gov
audio and video presentations.                security card. It must be signed by its
                                              owner, and you should always ask to see          Social Security’s Business Services
Testing Social Media                          and personally record the social security        Online
  The IRS is testing social media. We have    number. Failure to do so may cause your           The Social Security Administration now
launched a YouTube video site at YouTube      employee to lose benefits and considerable       provides free electronic services online at:
- irsvideos's Channel and an iTunes           trouble for yourself in back tracking to         www.socialsecurity.gov/employer/. Once
podcast to help taxpayers take full           uncover the error.                               registered for Business Services Online,
advantage of the 2009 tax provisions in the      Each payday, your employees must              business owners or their authorized
American Recovery and Reinvestment Act.       receive a statement from you telling them        representative can:
  The IRS YouTube channel debuted with        what deductions were made and how                  • file W-2s online; and
seven Recovery videos in English and          many dollars were taken out for each legal         • verify Social Security Numbers through
American Sign Language and eight in           purpose. This can be presented in a variety          the Social Security Number Verification
Spanish plus other languages.                 of ways, including on the check as a                 Service, used for all employees prior to
  People without an iTunes account can        detachable portion or in the form of an              preparing and submitting Forms W-2.
hear those same podcasts, in English and      envelope with the items printed and spaces       Federal Withholding
Spanish, on IRS.gov’s Multimedia Center.      for dollar deductions to be filled in.              U.S. Internal Revenue Service
People can also visit the audio site at                                                           800-829-1040
iTunes to listen to IRS podcasts about
ARRA tax credits.
                                              emploYee conSiderationS                             http://www.irs.gov

  To get the most timely IRS news and         taxes                                            Employee Insurance
information about products and services          If you have any employees, including            If you hire employees you may be
for small businesses and the self-employed,   officers of a corporation but not the sole       required to provide unemployment or
subscribe to e-News on IRS.gov at             proprietor or partners, you must make
                                                                                               workers’ compensation insurance.

Visit us online: www.sba.gov/mo                                                                          MISSOURI Small Business Resource —   15
Kansas Department of Human Services
    Division of Employment Security
                                                 E-Verify: Employment Eligibility                 bar codinG
    401 S.W. Topeka Blvd.
                                                 Verification                                       Many stores require bar coding on
                                                     E-Verify, operated by the Department of      packaged products. Many industrial and
    Topeka, KS 66603-3182
    913-286-5000                                 Homeland Security in partnership with the        manufacturing companies use bar coding
                                                 Social Security Administration, is the best--    to identify items they receive and ship.
Missouri Division of Employment Security         and quickest--way for employers to               There are several companies that can assist
    421 E. Dunklin St./P.O. Box 59               determine the employment eligibility of          businesses with bar-coding needs. You may
    Jefferson City, MO 64106                     new hires. It is a safe, simple, and secure      want to talk with an SBDC, SCORE or WBC
    573-751-3215                                 Internet-based system that electronically        counselor for more information.
                                                 verifies Social Security number and
Workers Compensation                             employment         eligibility    information    Federal Registration of Trademarks
   Kansas law requires all employers in the      reported on Form I-9. E-Verify is voluntary
                                                 in most states and there is no charge to use     and Copyrights
state who have, or expect to have, a gross                                                           Trademarks or service markets are
annual payroll of $20,000 in a calendar year     it.
                                                     If you are an employer or employee and       words, phrases, symbols, designs or
to    ensure    payment       of    workers                                                       combinations thereof that identify and
                                                 would like more information about the
compensation benefits for employees              E-Verify       program,        please   visit:   distinguish the source of goods.
injured on the job. The law exempts              www.dhs.gov/E-Verify or contact our              Trademarks may be registered at both the
agricultural pursuits and also wages paid        Customer Support staff: 1-888-464-4218           state and federal level. To register a federal
to the employer and family members in            Monday – Friday 8 am – 5 pm.                     trademark, contact:
                                                 E-mail: e-verify@dhs.gov
                                                                                                  Patent and Trademark Office:
determining the $20,000 threshold.                                                                    P.O. Box 1450
Kansas Department of Human Resources                                                                  Alexandria, VA 22313-1450
    Division of Workers Compensation
    800 S.W. Jackson, Ste. 600                   SaFetY & HealtH reGulationS                          800-786-9199
    Topeka, KS 66612-1227                          All businesses with employees are
    785-296-2996                                 required to comply with state and federal        Trademark Information Hotline
                                                 regulations regarding the protection of              703-308-9000
   Missouri law requires businesses with         employees. The Occupational Safety and
five or more employees (except agricultural      Health Administration outlines specific          State Registration of a Trademark
or domestic labor) to provide workers            health and safety standards adopted by the       Trademarks and service marks may be
compensation insurance to protect their          U.S. Department of Labor.                        registered in a state.
                                                   Use of hazardous substances in                 Caution: Federally registered trademarks
workers in case of job related injury, illness
                                                 businesses is highly regulated and there are     may conflict with and supersede state
or death. As in most states, the premium         heavy fines for non-compliance.
rates apply to an employee’s total annual                                                         registered business and product names.
                                                 Federal Occupational Safety
salary.                                          & Health Administration
Missouri Department of Labor                         Department of Labor                          Patents
    Division of Workers Compensation                 820 First St. N.E.                             A patent is the grant of a property right
    3315 W. Truman Blvd., Rm. 131/P.O. Box 58        Washington, DC 20020                         to the inventor by the U.S. Patent and
    Jefferson City, MO 65102-0058                    202-693-5000                                 Trademark Office. It provides the owner
    573-751-4231                                                                                  with the right to exclude others from
                                                 Kansas Department of Health and                  making, using, offering for sale or selling
Workplace proGram                                Environment
                                                     Forbes Field, Bldg. 740
                                                                                                  the patented item in the United States.
                                                                                                    Additional information is provided in
   Americans with Disabilities (ADA): For            Topeka, KS 66620                             the publications, General Information
assistance with the ADA, call 800-669-3362           785-296-1535                                 Concerning Patents and other publications
or visit: http://www.ada.gov.                                                                     distributed through the U.S. Patent and
                                                   Small business owners will be directed to      Trademark Office. For more information,
u.S. citizenSHip and                             the nearest District Office for assistance.
                                                 Missouri Department of Natural
                                                                                                  contact the:
                                                                                                  U.S. Patent and Trademark Office
immiGration ServiceS                             Resources
                                                     Division of Environmental Quality
                                                                                                      800-786-9199 • http://www.uspto.gov
   The Federal Immigration Reform and                P.O. Box 176
Control Act of 1986 requires employers to            Jefferson City, MO 65102
verify employment eligibility of new                 800-334-6946                                    Copyrights protect original works of
employees. The law obligates an employer                                                          authorship including literary, dramatic,
to process Employment Eligibility                buildinG codeS, permitS and                      musical and artistic, and certain other
                                                                                                  intellectual works. Copyright does not
Verification Form I-9. The U.S. Citizenship
and Immigration Services Office of               zoninG                                           protect facts, ideas and systems, although it
Business Liaison offers a selection of              It is important to consider zoning            may protect the way these things are
                                                 regulations when choosing a site for your        expressed. For general information contact:
information bulletins and live assistance
                                                 business. You may not be permitted to            U.S. Copyright Office
through the Employer Hotline. For forms          conduct business out of your home or                 U.S. Library of Congress
call 800-870-3676, for the Employer Hotline      engage in industrial activity in a retail            James Madison Memorial Building
call 800-357-2099.                               district. Contact the business license office        Washington, DC 20559
                                                 in the city or town where the business is            202-707-9100 - Order Line
                                                 located.                                             202-707-3000 - Information Line

16 — Small Business Resource   MISSOURI                                                                                Visit us online: www.sba.gov/mo
                                        FINANCING & SURETY BONDS

                        GettinG approved
                                  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 guaranty, 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 SBA is going to provide a
                                                                                                  lender with a guaranty, the applicant must
                                                                                                  be eligible and creditworthy and the loan
                                               needed to accomplish the desired business

                  any entrepreneurs need                                                          structured under conditions acceptable to
                  financial resources to       purpose including the cost of everything,
                  start or expand a small      the applicants’ contribution, use of loan
                                               proceeds, collateral, and most important,
                  business themselves and
                  must combine what they       an explanation of how the business will be         percentaGe oF GuarantieS and
have with other sources of financing. These    able to repay the loan in a timely manner.         loan maximumS
sources can include family and friends,          The lender will analyze the application to
                                                                                                     The SBA only guarantees a portion of
venture-capital financing, and business        see if it meets the lender’s criteria as well as
                                                                                                  any particular loan so each loan will also
loans.                                         SBA’s requirements. SBA will look to the
                                                                                                  have an unguaranteed portion giving the
  This section of the Small Business           lender to do much, if not all, of the analysis
                                               before it provides its guaranty on the             lender a certain amount of exposure and
Resource guide discusses SBA’s primary                                                            risk on each loan. The percentage SBA
business loan and equity financing             lender’s loan or provides the microlenders
                                               with funds to re-lend to the business. The         guarantees depends on either the dollar
programs. These are: the 7(a) Loan
                                               SBA’s business loan programs provide a             amount or the program the lender uses to
Program, the Certified Development
                                               key source of financing for viable small           obtain its guaranty. For loans of $150,000 or
Company or 504 Loan Program, the
Microloan Program and the Small Business       businesses that have real potential, but           less the SBA will guaranty as much as 85
Investment Company Program. The                cannot qualify for loans from the lending          percent and for loans over $150,000 the SBA
distinguishing features for these programs     institutions on their own.                         can provide a guaranty of up to 75 percent.
are the total dollar amounts that can be                                                             (NOTE: These percentages may be
borrowed, the type of lenders who can          7(a) loan proGram                                  temporarily increased up to 90 percent
                                                                                                  as part of government efforts to promote
provide these loans, the uses for the loan        The 7(a) Loan Program is the SBA’s
proceeds, and the terms placed on the                                                             economic recovery. Check with your
                                               primary business loan program. It is the
borrower.                                                                                         local SBA district office for more
                                               agency’s most used non-disaster financial
  Note: The SBA does not offer grants          assistance program because of its flexibility      information.)
to individual business owners to start or      in loan structure, variety of loan proceeds           The maximum loan amount is $2 million
grow a business.                                                                                  and the maximum guaranty amount to any
                                               uses, and availability. This program has
  When you seek a business loan,                                                                  one business (including affiliates) is $1.5
                                               broad eligibility requirements and credit
familiarize yourself with the SBA’s                                                               million. The one exception is when a
                                               criteria to accommodate a wide range of
business loan programs to see if they may                                                         business needs both working capital and
                                               financing needs.
be a viable option. The three principal                                                           fixed assets to promote exporting in which
                                                  The business loans that SBA guarantees
players in most of these programs are —                                                           case the SBA can provide a maximum
                                               do not come from the agency, but rather
the applicant small business, the lender and                                                      guaranty of $1.75 million.
                                               from banks and other approved lenders.
the SBA. SBA guarantees a portion of the                                                             Loans made under the SBAExpress
loan (except for Microloans). The business     The loans are funded by these
                                               organizations and they make the decisions          program, which is discussed subsequently,
should have its business plan prepared
                                               to approve or not approve the applicants’          have a 50 percent guaranty.
before it applies for a loan. This plan
should explain what resources will be          requests.

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

18 — Small Business Resource   MISSOURI                                                                                    Visit us online: www.sba.gov/mo
by SBA. It also includes SBA’s anti-             prepared to complete some additional                For the Standard, Certified and Preferred
discrimination rules and restrictions on         documents before the lender reviews the          methods, the applicant fills out SBA Form
lending to agricultural enterprises because      request to ensure it meets SBA’s                 4, and the lender completes SBA Form 4-1.
there are other agencies of the federal          requirements before sending the request for      When requests for guarantees are
government with programs to fund such            guaranty to the SBA. Applicants who feel         processed using Express methods, the
businesses.                                      they need more help with the process             applicant uses more of the regular forms of
Generally, SBA loans must meet the               should contact their local SBA district office   the lender and just has a few federal forms
following:                                       or one of SBA’s resource partners for            to complete. When SBA receives a request
  • Every loan must be for a sound business      assistance.                                      that is processed through Standard or CLP
    purpose;                                       There are several ways a lender can            procedures, it either reanalyzes or reviews
  • There must be sufficient invested equity                                                      the lender’s eligibility and credit analysis
                                                 apply to the SBA for a 7(a) guaranty from
    in the business so it can operate on a                                                        before deciding to approve or reject. For
    sound financial basis;                       SBA. The main differences between these
  • There must be a potential for long-term      methods are related to the documentation         requests processed through PLP, or Express
    success;                                     which the lender provides, the amount of         programs, the lender is delegated the
  • The owners must be of good character         review which SBA conducts, the amount of         authority to make the credit decision
    and reputation; and                          the loan and the lender responsibilities in      without SBA’s concurrences which help
  • All loans must be so sound as to             case the loan defaults and the business’         expedite the processing time.
    reasonably assure repayment.                                                                     In guaranteeing the loan, the SBA assures
                                                 assets must be liquidated. The methods
   For SBA’s eligibility requirements check:                                                      the lender that, in the event the borrower
http://www.sba.gov/services/.                      • Standard 7(a) Guaranty                       does not repay the loan, the government
                                                   • Certified Lender Program                     will reimburse the lending institution for a
WHat to take to tHe lender                         • Preferred Lender Program
                                                   • Rural Lender Advantage
                                                                                                  portion of its loss. By providing this
                                                                                                  guaranty, the SBA is able to help tens of
  Documentation requirements may vary;             • SBA Express                                  thousands of small businesses every year
contact your lender for the information you        • Patriot Express
                                                                                                  get financing they might not otherwise
must supply. Assistance preparing your             • Export Express
                                                   • Community Express                            obtain.
documentation package is available
through SBA and its resource partners,
including SCORE, Small Business
Development        Centers,       Women’s
Business Centers and Veterans Business
Outreach Centers.

Common requirements include the
  • Purpose of the loan.
  • History of the business.
  • Financial statements for three years
    (existing businesses).
  • Schedule of term debts (existing
  • Aging of accounts receivable and payable
    (existing businesses).
  • Projected opening-day balance sheet
    (new businesses).
  • Lease details.
  • Amount of investment in the business by
    the owner(s).
  • Projections of income, expenses and cash
    flow as well as the assumptions.
  • Personal financial statements on the
    principal owners.
  • Resume(s) of the principal owners and

HoW tHe 7(a) proGram WorkS
   Applicants submit their loan application
to a lender for the initial review. The lender
will generally review the credit merits of
the request before deciding if they will
make the loan themselves or if they will
need an SBA guaranty. If a guaranty is
needed, the lender will also review
eligibility, and the applicant should be

Visit us online: www.sba.gov/mo                                                                             MISSOURI Small Business Resource —   19
   After SBA approval, the lender is notified     Bank of America                       Condon National Bank
that its loan has been guaranteed. The               10850 White Rock Rd.                  815 Walnut/P.O. Box 937
lender then will work with the applicant to          Rancho Cordova, CA 95670              Coffeyville, KS 67337
                                                     800-263-2055                          620-251-5500
make sure the terms and conditions are met
before closing the loan, disbursing the           Bank of Blue Valley                   Corefirst Bank & Trust
funds, and assuming responsibility for               11935 Riley/P.O. Box 26128            3035 S. Topeka
collection and general servicing. The                Overland Park, KS 6625                Topeka, KS 66611
borrower makes monthly loan payments                 913-338-1000                          785-267-0123
directly to the lender. As with any loan, the     Bank of the Prairie                   Country Club Bank
borrower is responsible for repaying the             18675 W. 151st                        414 Nichols Rd.
full amount of the loan in a timely manner.          Olathe, KS 66062                      Kansas City, MO 64112
                                                     913-254-0505                          816-931-4060
What the SBA Looks for:
  • Ability to repay the loan on time from the    Bank of the West                      County Bank
    projected operating cash flow.                   1400 River Park Dr.                   116 W. Broadway/P.O. Box 100
  • Owners and operators who are of good             Sacramento, CA 95815                  Bruswick, MO 65236
    character.                                       916-563-2958                          660-548-3137
  • Feasible business plan.
                                                  Blue Ridge Bank & Trust               Cross First Bank
  • Management expertise and commitment
                                                     4200 Little Blue Pkwy.                11225 College Blvd., Ste.150
    necessary for success.
                                                     Independence, MO 64057                Overland Park, KS 66210
  • Sufficient funds, including the SBA
                                                     816-358-5000                          913-647-9843
    guaranteed loan, to operate the business
    on a sound financial basis (for new           Branch Banking & Trust Co.            Douglas County Bank
    businesses, this includes the resources to       5901 C. Peachtree Dunwoody, #420      300 W. 9th St./P.O. Box 429
    meet start-up expenses and the initial           Atlanta, GA 30328                     Lawrence, KS 66044
    operating phase).                                770-551-8822                          785-865-1000
  • Adequate equity invested in the business.
  • Sufficient collateral to secure the loan or   Brotherhood Bank & Trust Co.          Emprise Bank
    all available collateral if the loan cannot      7499 Quivira Rd.                      257 N. Broadway
    be fully secured.                                Shawnee, KS 66216                     Wichita, KS 67202
                                                     913-321-4242                          785-624-6530
SbaexpreSS                                        Capital City Bank                     ESB Financial
   The SBAExpress guaranty is available to                                                 801 Merchant
                                                     3710 S.W. Popeka Blvd.
lenders as a way to obtain a guaranty on             Topeka, KS 66609                      Emporia, KS 66801
smaller loans up to $350,000. The program            785-274-5600                          620-342-3454
authorizes selected, experienced lenders to
use mostly their own forms, analysis and          Central National Bank                 Farmers Bank & Trust, N.A.
procedures to process, service and liquidate         711 Wakarusa Dr.                      14880 Metcalf
                                                     Lawrence, KS 66049                    Overland Park, KS 66223
SBA-guaranteed loans. The SBA guarantees                                                   913-402-7257
up to 50 percent of an SBAExpress loan.
Loans under $25,000 do not require                Citizens National Bank                Farmers State Bank
collateral. The use of loan proceeds is the          601 Delaware                          124 E. 3rd St.
same as for any basic 7(a) loan. Like most           Leavenworth, KS 66048                 Cameron, MO 64429
7(a) loans, maturities are usually five to           913-651-3266                          816-632-6641
seven years for working capital and up to         Commerce Bank, N.A.                   First Central Bank
25 years for real estate or equipment.               1000 Walnut/P.O. Box 419248           401 N. Maguire, Box 477
Revolving lines of credit are allowed for a          Kansas City, MO 64141                 Warrensburg, MO 64093
maximum of seven years. For a list of                816-234-7388                          660-429-2101
lenders in your area, contact your local SBA
office at: www.sba.gov/localresources/            Community First National Bank         First Community Bank
                                                     215 S. Seth Child Rd.                 301 S.E. Main
index.html                                                                                 Lee’s Summit, MO 64063
SBAExpress Lenders                                   Manhattan, KS 66502
                                                     785-323-1111                          816-554-7000
Adams Dairy Bank                                                                        First Community Bank
    651 N.E. Coronado Dr.                         Community Bank
                                                     5431 S.W. 29th St.                    715 Merchant St.
    Blue Springs, MO 64014                                                                 Emporia, KS 66801
    816-655-3333                                     Topeka, KS 66614
                                                     785-440-4400                          620-343-9500
Arvest Bank                                       Community National Bank               First National Bank of Kansas
    4500 Garnett, Ste. 626                           4097 Parkview Dr.                     6201 College Blvd.
    Tulsa, OK 74146                                  Frontenac, KS 66763                   Overland Park, KS 66211
    918-631-6803                                     620-232-6900                          913-266-9346
Bank Northwest                                    Community State Bank                  First State Bank of Kansas City, KS
    201 S. Davis/P.O. Box 337                        1414 S. 11th St./P.O. Box 219         650 Kansas Ave.
    Hamilton, MO 64644                               Coffeyville, KS 67337                 Kansas City, KS 66105
    816-583-2154                                     620-251-1313                          913-371-1242

20 — Small Business Resource   MISSOURI                                                                        Visit us online: www.sba.gov/mo
Freedom Bank                        Liberty Bank                           Pony Express Community Bank
     6640 W. 143rd St.                 4625 S. National                       624 Felix St.
     Overland Park, KS 66223           Springfield, MO 65810                  St. Joseph, MO 64501
     913-563-5660                      417-875-6763                           816-671-2265

Gardner National Bank               M&I Marshall & Ilsley Bank             Premier Bank
     840 E. Main/P.O. Box 429          770 N. Water St.                       15301 W. 87th St. Pkwy.
     Gardner, KS 66030                 Milwaukee, WI 53202                    Lenexa, KS 66219
     913-856-7199                      414-443-3303                           913-888-8490

GE Company S.B. Finance             Mazuma Credit Union                    Regions Bank
     7300 College Blvd., Ste. 208      9300 Troost Ave.                       565 Marriott Dr., Ste. 600
     Overland Park, KS 66210           Kansas City, MO 64131                  Nashville, TN 37214
     913-696-6200                      816-361-4194                           615-744-6061

Girard National Bank                Merchants & Farmers Bank               Royal Banks of Missouri
     P.O. Box 67                       1001 Club Village Dr.                  8021 Olive Blvd.
     Girard, KS 66743                  Columbia, MO 65203                     University City, MO 63130
     620-724-8223                      573-875-5442                           314-212-1500

Great Western Bank                  Merit Bank                             Security Savings Bank
     10610 Shawnee Mission             11191 Antioch, Ste. 100                11599 Ridgeview
     Shawnee, KS 66203                 Overland Park, KS 66210                Olathe, KS 66061
     913-901-5102                      913-327-1703                           913-894-5400

Hawthorn Bank                       Meritrust Credit Union                 Silver Lake Bank
     132 E. High St.                   4821 S. 6th St., Ste. B                201 N.W. Hwy. 24
     Jefferson City, MO 65101          Lawrence, KS 66049                     Topeka, KS 66608
     573-761-6249                      785-856-7878                           877-232-0102

INTRUST Bank, N.A.                  Metcalf Bank                           Summit Bank of Kansas City
     4000 Somerset                     909 S. 7 Hwy.                          1650 N.E. Grand, Ste. 100
     Prairie Village, KS 66208         Blue Springs, MO 64014                 Lee’s Summit, MO 64086
     913-385-8200                      816-224-7232                           816-251-9000

Irwin Union Bank & Trust Co.        Mission Bank                           Sunflower Bank, N.A.
     333 Grandview Pkwy.               5201 Johnson Dr.                       2090 S. Ohio/P.O. Box 800
     Traverse City, MI 49684           Mission, KS 66205                      Salina, KS 67402
     231-941-5694                      913-831-2400                           785-827-5564

Kansas State Bank                   Missouri Bank & Trust                  Third National Bank
     1010 W. Loop/P.O. Box 69          1044 Main St.                          301 W. Broadway
     Manhattan, KS 66502               Kansas City, MO 64105                  Sedalia, MO 65302
     913-587-4000                      816-881-8200                           660-827-3333

Kansas State Bank                   Morrill & James Bank & Trust Company   U.S. Bank/SBA Division
     236 N. Main                       6740 Antioch Rd.                       7500 College Blvd., Ste. 660/P.O. Box 351
     Ottawa, KS 66067                  Merriam, KS 66204                      Overland Park, KS 66210
     785-242-3600                      913-384-8148                           888-722-3948

Kaw Valley Bank                     Newtek Small Business Finance          UMB Bank, N.A.
     1110 N. Kansas Ave.               462 7th Ave., 14th Fl.                 1010 Grand Blvd.
     Topeka, KS 66608                  New York, NY 10018                     Kansas city, MO 64106
     785-232-6062                      866-639-1835                           816-860-7113

Kearney Trust Company               Nodaway Valley Bank                    Union Bank
     P.O. Box 888                      1701 S. Belth Hwy./P.O. Box 7315       1150 N.E. Douglas Dr.
     Kearney, MO 64060                 Liberty, MO 64068                      Lee’s Summit, MO 64086
     816-628-6050                      816-364-5678                           816-763-4400

Labette Bank                        Peoples Bank                           Union Bank & Trust
     2121 Main                         424 S. Main St.                        P.O. Box 397
     Parsons, KS 67357                 Ottawa, KS 66067                       Bonner Springs, KS 66012
     620-421-2265                      785-242-2900                           913-667-8651

Landmark National Bank              Platte Valley Bank of Missouri         United Bank of Kansas
     6100 S.W. 21st                    2400 Prairie View Rd.                  10101 Woodland Rd.
     Topeka, KS 66667                  Platte City, MO 64079                  Lenexa, KS 66220
     785-273-3303                      816-858-5400                           913-254-7400

Visit us online: www.sba.gov/mo                                                      MISSOURI Small Business Resource —   21
University National Bank                               Springfield Branch Express Lenders      Empire Bank
    1206 S. Broadway                                                                              1800 S. Glenstone
    Pittsburg, KS 66762                                Arvest Bank                                Springfield, MO 65804
    620-231-4200                                          701 S. Main                             417-881-3100
                                                          Joplin, MO 64801
UPS Capital Bus. Credit                                   417-627-8000                         First Bank of the Lake
    280 Trumbull St.                                                                              4558 Hwy. 54
    Hartford, CT 06103                                 Bank of America, N.A.                      Osage Beach, MO 65065
    860-727-0700                                          2940 S. Glenstone                       573-348-2265
                                                          Springfield, MO 65806
                                                                                               First Community Bank
Valley View State Bank                                    417-227-6118
                                                                                                  121 S. Commercial
    7500 W. 95th St.
                                                                                                  Branson, MO 65615
    Overland Park, KS 66201                            Bank of Bolivar
    913-381-3311                                          495 S. Springfield
                                                          Bolivar, MO 65613
                                                                                               First National Bank
Wells Fargo SBA Lending                                   417-777-6500
                                                                                                  105 W. 6th St.
    10010 Regency C Cir., 2nd Fl.
                                                                                                  Mountain View, MO 65548
    Omaha, NE 68114                                    Bank of Crocker
    402-536-2680                                          Hwy. H
                                                          Waynesville, MO 65583                Freedom Bank of Southern Missouri
                                                          573-774-6000                            97 S. Main
                                                                                                  Cassville, MO 65625
                                                       Bank of Mansfield                          417-846-1719
                                                          110 E. Commercial
                                                          Mansfield, MO 65704                  First State Bank of Purdy
                                                          417-924-3211                            P.O. Box 729
                                                                                                  Monett, MO 65708
           SUCCESS                                     The Bank of Missouri                       417-235-6100
          S T O R Y                                       3807 S. Campbell
                                                          Springfield, MO 65807                Great Southern Bank
  Kessler-Heasley                                         417-889-4600                            14309 Hwy. 13
                                                                                                  Reeds Spring, MO 65737
  Artificial Limb Co.          continued from page 5
                                                       The Bank of Urbana
                                                          109 N. Main
                                                                                               Guaranty Bank
                                                          Urbana, MO 65767
                                                          417-993-4242                            1341 W. Battlefield
  “SBA has allowed me the expansion needed                                                        Springfield, MO 65807
  to combine the two locations and begin                                                          417-520-4333
  providing better services to my clients,”            Central Bank
  stated Jeff.                                            101 W. Commercial                    Hawthorn Bank
                                                          Lebanon, MO 65536                       P.O. Box 688
  In addition to the 504 loan, the Bank of Bolivar        417-532-2151                            Jefferson City, MO 65102
  was the third party lender in the $2.5 million                                                  573-761-6161
  project. The bank's vice president, Ilene            Central Trust Bank
  Glenn, said, “I have never had a client                 P.O. Box 779                         Heritage State Bank
  continuously searching or exploring avenues             Jefferson City, MO 65102                1625 Hedges Plaza
  for opportunities to grow their business as Jeff        573-634-1234                            Nevada, MO 64772
  Messenger has.”                                                                                 417-667-7297
                                                       Citizens Bank of Rogersville
  Jeff continues to look toward the future of             9750 E. Center St.                   Hometown Bank, N.A.
  OPO with yet another phase. Since owning                Rogersville, MO 65742                   312 W. Central
  the business, he has seen many obstacles for            417-753-2836                            Carthage, MO 64836
  people who have the unfortunate need for his                                                    417-358-0002
  services, both physically and emotionally.           Citizens National Bank of Springfield
  He wants to accommodate clients from                    1465 E. Sunshine                     Liberty Bank
  surrounding states and provide follow-up                Springfield, MO 65807                   4625 S. National
  services for patient management. Most other             417-887-4200                            Springfield, MO 65810
  prosthetic and orthotics fabricators don’t offer                                                417-875-5200
  the service but a person ages and activities         Comerica Bank
  change, a different model of prosthetic may             500 Woodward Ave., 1 Detroit Ctr.    Metropolitan National Bank
  be needed. He wants to be able to bring the             Detroit, MI 48262                       600 S. Glenstone
  client back in for follow-up analysis for fitting       408-556-5129                            Springfield, MO 65804
  and adjustment needs, much like                                                                 417-862-2022
  preventative medical care maintenance. He            Commerce Bank, N.A.
  would also like to provide “upper-end”                  1345 E. Battlefield                  Metz Banking Company
  products and services to people all over the            Springfield, MO 65804                   123 N. Osage
  country as well. Today, due to the lag time of          417-837-5239                            Nevada, MO 64772
  getting paid by insurance companies and                                                         417-667-4550
  Medicare and Medicaid, only three or four            Community Bank of Ozarks
  companies in the United States provide those            Hwys. 5 & F Rd.                      Mid-Missouri Bank
  upper end products and services, such as                Sunrise Beach, MO 65079                 330 W. Plainview-K
  electric knees.                                         573-374-5245                            Springfield, MO 65814

22 — Small Business Resource   MISSOURI                                                                              Visit us online: www.sba.gov/mo
Ozark Mountain Bank                              loans of $150,000 or less and 75 percent for     umbrella. The programs can be used to
     400 S. Business 65                          loans over $150,000 up to $500,000. For          finance seasonal working capital needs;
     Branson, MO 65616                           loans above $350,000, lenders are required       finance the direct costs of performing
                                                 to take all available collateral.                certain construction, service and supply
PNC Bank, NA                                        The Patriot Express loan can be used for      contracts; finance the direct cost associated
     8800 Tinicum Blvd., 1st Fl. MA              most business purposes, including start-up,      with      commercial      and     residential
     Philadelphia, PA 19153                      expansion, equipment purchases, working          construction; finance operating capital by
     800-762-5684                                capital, inventory or business-occupied          obtaining advances against existing
                                                 real-estate purchases.                           inventory and accounts receivable; and
Regions Bank
     2045 S. Glenstone                              Patriot Express loans feature SBA’s           consolidate short-term debt. SBA provides
     Springfield, MO 65804                       lowest interest rates for business loans,        up to an 85 percent guarantee. There are
     417-882-2222                                generally 2.25 percent to 4.75 percent over      five distinct programs under the CAPLine
                                                 prime depending upon the size and                umbrella:
Southwest Missouri Bank                          maturity of the loan. Your local SBA district       • The Contract Loan Program is used to
     300 W. 3rd                                                                                        finance material and labor needs for a
     Carthage, MO 64836                          office will have a listing of Patriot Express
                                                                                                       specific contract or contracts. Proceeds
     417-358-9331                                lenders in your area. More information is
                                                                                                       can be disbursed before the work begins.
                                                 available at:                                         If used for one contract, it is generally
The Seymour Bank                                 http://www.sba.gov/patriotexpress.                    not revolving; if used for more than one
     119 N. Main                                                                                       contract at a time, it can be revolving.
     Seymour, MO 65746
     417-935-2293                                communitY expreSS pilot loan                          The loan maturity is usually based on
                                                                                                       the length of the contract, but no more
UMB Bank, NA
                                                 proGram                                               than five years. Contract payment must
                                                    The Community Express Pilot Loan                   be sent directly to the lender.
     1150 E. Battlefield                                                                             • The Seasonal Line of Credit Program
     Springfield, MO 65808                       Program provides streamlined business
                                                 financing and management and technical                is used to support buildup of inventory,
                                                 assistance to small businesses located in             accounts receivable or labor and
                                                                                                       materials above normal usage for
US Bank, NA                                      distressed or underserved markets. The
                                                                                                       seasonal inventory. The business must
     417 St. Louis                               Community Express program is offered
                                                                                                       have been in business for a period of 12
     Springfield, MO 65806                       through hundreds of selected SBA lenders
     417-868-4400                                                                                      months and must have a definite
                                                 throughout the nation. Under Community                established seasonal pattern. The loan
                                                 Express, approved lenders may use                     may be used over again after a “clean-
Village Bank                                     streamlined and expedited loan review and
     2360 E. Sunshine                                                                                  up” period of 30 days to finance activity
     Springfield, MO 65808                       approval procedures to process SBA-                   for a new season. These also may have a
     417-823-0400                                guaranteed loans. These lenders may use,              maturity of up to five years. The
                                                 to the maximum extent possible, their own             business may not have another seasonal
Wells Fargo Minnesota, N.A.                      loan analysis, loan procedures, and loan              line of credit outstanding but may have
     10010 Regency C Cir., 2nd Fl.               documentation to process SBA loans to                 other lines for non-seasonal working
     Omaha, NE 68114                             $250,000. However, borrowers must receive             capital needs.
     612-667-2753                                technical assistance to qualify for this            • The Builders Line Program provides
                                                 program.                                              financing for small contractors or

patriot expreSS                                                                                        developers to construct or rehabilitate
                                                                                                       residential or commercial property. Loan
  The Patriot Express pilot loan initiative is   Special purpoSe 7(a) loan                             maturity is generally three years but can
for veterans and members of the military
community wanting to establish or expand
                                                 proGramS                                              be extended up to five years if necessary
                                                                                                       to facilitate sale of the property. Proceeds
                                                    The 7(a) program is the most flexible of           are used solely for direct expenses of
a small business. Eligible military                                                                    acquisition, immediate construction
                                                 SBA’s lending programs. The agency has
community members include:                       created several variations to the basic 7(a)          and/or significant rehabilitation of the
  • Veterans;                                                                                          residential or commercial structures. The
  • Service-disabled veterans;                   program to address the particular financing
                                                                                                       purchase of the land can be included if it
  • Active-duty servicemembers eligible for      need of certain small businesses. These
                                                                                                       does not exceed 20 percent of the loan
    the military’s Transition Assistance         special purpose programs are not                      proceeds. Up to 5 percent of the
    Program;                                     necessarily for all businesses but may be             proceeds can be used for physical
  • Reservists and National Guard members;       very useful to some small businesses. They            improvements that benefit the property.
  • Current spouses of any of the above,         are generally governed by the same rules,           • The Small Asset-Based Line is a
    including a servicemember;                   regulations, fees, interest rates, etc. as the        revolving line of credit (up to $200,000)
  • The widowed spouse of a servicemember                                                              that provides short term working
                                                 regular 7(a) loan guaranty. Lenders can
    or veteran who died during service or of                                                           capital. These lines are generally used
    a service-connected disability.              advise you of any variations.
                                                                                                       by businesses that provide credit to their
  The Patriot Express loan is offered by                                                               customers. Disbursements are based on
SBA’s widest network of lenders                  caplines                                              the size of a borrower’s accounts
nationwide and features our fastest                 The CAPLines program is designed to                receivable and/or inventory. Repayment
turnaround time for loan approvals. Loans                                                              comes from the collection of accounts
                                                 help small businesses meet their short-term
                                                                                                       receivable or sale of inventory. It does
are available up to $500,000 and qualify for     and cyclical working capital needs. There             require      periodic      servicing     and
SBA’s maximum guaranty of 85 percent for         are five loan programs under the CAPLines             monitoring of the collateral for which

Visit us online: www.sba.gov/mo                                                                              MISSOURI Small Business Resource —   23
                                                                                                 Ineligible Use of Proceeds
                                                                                                   • To support the applicant’s domestic sales.
                                                                                                   • To acquire fixed assets or capital goods
                                                                                                     for the applicant’s business.
                                                                                                   • To support a sale where the exporter is
                                                                                                     not taking title to the goods.
                                                                                                   • To acquire, equip, or rent commercial
                                                                                                     space overseas.
                                                                                                   • To serve as a warranty letter of credit.

                                                                                                 Collateral Requirements
                                                                                                   • Collateral for the manufacturing sector
                                                                                                     typically consists of a first lien on all
                                                                                                     export-related inventory and export
                                                                                                     related accounts receivable.
                                                                                                   • Collateral for the service sector typically
                                                                                                     consists of assignment of proceeds of
                                                                                                     export-related contracts or purchase
                                                                                                     orders and a first lien on export-related
                                                                                                     accounts receivable.
                                                                                                   • Other collateral may be required.
     the lender can charge up to two percent   fund their direct export costs. The EWCP
     annually to the borrower.                 supports single transactions or revolving         How to Apply
   • The Standard Asset-Based Line is          lines. The maximum dollar amount of an               A small business exporter seeking a
     similar to the Small Asset-Based Line,    export line of credit under this program is
     but for loan amounts over $200,000. It
                                                                                                 guaranteed EWCP loan must apply to a
                                               $2 million. SBA guarantees up to 90% of a         lender.
     does require stricter servicing and
                                               loan amount or $1.5 million, whichever is
     monitoring and the lender may pass
     these costs along to the borrower.        less. Loan maturities are generally for a         SBA Ex-Im Bank Co-Guarantee
                                               term of 12 months. The guaranty can be               This is designed to provide small
                                               reissued for an additional 12 months
export aSSiStance                              through a new application process. The
                                                                                                 business exporters the ability to obtain
                                                                                                 larger export working capital loans through
trade Financing                                guaranty fee the SBA charges is 0.25 percent
                                                                                                 the Export Working Capital Program than
   The SBA has help for existing small         of the guaranteed amount of the loan for
                                               the initial 12 months. The borrower               SBA could support alone. This program
businesses wanting to export goods and                                                           enables U.S. exporters to obtain loans that
services.                                      negotiates the interest rate and all other fees
                                               with the lender. The program offers flexible      facilitate the export of goods or services.
                                               terms, low fees and a quick processing            Under this program, the total export
u.S. export aSSiStance center                  time. For information, see www.sba.gov/           working capital line, with a 90 percent
(uSeac)                                        services/financialassistance/sbaloantopics/       guarantee, cannot exceed $2 million. Loan
   U.S. Export Assistance Centers, are         SpecialPurposeLoans/ewcp/index.html.              maturities are generally for a term of 12
available through a partnership among          Eligibility of Exporter                           months. At the end of the 12-month
SBA, U.S. Department of Commerce and             You must have an operating history of at        maturity, a borrower may reapply for a
the Export-Import Bank of the U.S. to          least one year – not necessarily in               new guarantee. The SBA guarantee fee is
provide trade promotion and export-            exporting. The SBA may waive this                 0.25 percent of the guaranteed amount of
finance assistance for small businesses in a   requirement if you have sufficient export         the loan for the initial 12 months. The
single location. The USEACs also work          trade experience or other managerial              guarantee fee that Ex-Im Bank charges is
closely with other federal, state and local    experience.                                       0.25 percent on the loan amount that is
international trade organizations. To find
                                               Eligible Buyers                                   guaranteed by them. The borrower
the     nearest      USEAC,       go     to:
http://www.sba.gov/aboutsba/sbaprograms/          The foreign buyer must be a                    negotiates the interest rate and all other fees
internationaltrade/useac/index.html.           creditworthy entity located in an acceptable      with the lender.
John Blum                                      foreign country, to both the lender and
    Regional Manager,                          SBA.                                              Eligibility of Exporter
    International Trade Programs                                                                   The same as for the SBA EWCP Program.
    8235 Forsyth Blvd., Ste. 520               Use of EWCP Proceeds:
    St, Louis, MO 63105                          • To acquire inventory for export or to be      Eligible Buyers
    314-425-3304 • 314-425-3381 Fax                used to manufacture goods for export.
    john.blum@mail.doc.gov                                                                         The foreign buyer must be a
                                                 • To pay the manufacturing costs of goods       creditworthy entity located in an acceptable
                                                   for export.
export WorkinG capital                           • To purchase goods or services for export.
                                                                                                 country in conformity with the Ex-Im
                                                                                                 Bank’s Country Limitation Schedule.
proGram                                          • To support standby letters of credit
                                                   related to export transactions.
  The SBA’s Export Working Capital               • For pre-shipment working capital              Use of Proceeds
Program assists lenders in meeting the             directly related to export orders.              Same as the SBA EWCP.
needs of exporters seeking short-term            • For post-shipment foreign accounts
export working capital. This program               receivable financing.
enables U.S. exporters to obtain loans to

24 — Small Business Resource   MISSOURI                                                                                Visit us online: www.sba.gov/mo
Ineligible Use of Proceeds                           market, or the applicant has been                • Provide transaction-specific financing for
  • Goods or services with less than 50              adversely affected by import competition,          overseas orders;
    percent U.S. content.                            and, in addition, the applicant must show        • Provide revolving lines of credit for
  • To support the export of any Defense             that upgrading equipment or facilities             export purposes, the term of which must
    Articles or Defense Services.                    will improve its competitive position.             not exceed seven years. In some
  • To support the applicant’s domestic sales.     • If eligibility is based on entering or             instances, as a normal course of business,
  • To acquire fixed assets or capital goods         expanding export sales, the applicant              the borrower may use portions of
    for the applicant’s business.                    must submit a one or two page                      revolving lines of credit for domestic
  • To acquire, equip, or rent commercial            international business plan, including             purposes, but no less than 70 percent of
    space overseas.                                  sufficient information to reasonably               the revolver to be used for export related
  • To serve as a Warranty Letter of Credit.         support the likelihood of expanded                 purposes;
                                                     export sales.                                    • Provide term loans and other financing to
Collateral Requirements                                                                                 enable small business concerns, including
   Same as the SBA EWCP.                         Use of Proceeds                                        small business export trading companies
                                                   • For facilities or equipment, including             to develop foreign markets; and
                                                     purchasing land and building(s);                 • Acquire, construct, renovate, modernize,
How to Apply                                         building new facilities; renovating,               improve or expand production facilities
  A small business exporter seeking a co-            improving, or expanding existing                   or equipment to be used in the U.S. in the
guaranteed loan must apply to a lender               facilities; purchasing or reconditioning           production of goods or services to be
that is a participant in SBA’s 7(a) Loan             machinery, equipment and fixtures; and             exported from the U.S.
Guaranty Program. PLP and SBAExpress                 making other improvements that will be
processing are not permitted. The lender             used within the United States for              Ineligible Use of Proceeds
must submit a completed Joint Application
                                                     producing goods or services.                      Proceeds may not be used to finance
                                                 Collateral Requirements - Collateral               overseas operations, other than those
for Working Capital Guarantee and loan           requirements are the same as for regular           strictly associated with the marketing
package to SBA. SBA evaluates and                7(a) loans.                                        and/or distribution of products/services
processes the application in accordance            How to Apply - A small business                  exported from the U.S.
with SBA rules for its Export Working            exporter seeking a guaranteed loan must
Capital Program.                                 apply to an SBA participating lender. Call         How to Apply
                                                 your local SBA District Office for a list of          The application process is the same for
international trade loan                         participating lenders.                             the SBAExpress, except the applicant must
proGram                                                                                             demonstrate that loan proceeds will enable
   The program helps small businesses            export expreSS                                     it to enter a new export market or expand
                                                    The Export Express program is designed          an existing export market. The applicant
engaged or preparing to engage in
                                                 to help SBA meet the export financing              must submit to the lender a plan that
international trade as well as small
businesses      adversely     affected    by     needs of small businesses. It is a                 includes projected export sales for the
competition from imports. This program           subprogram of SBAExpress and is therefore          upcoming year as well as the dollar volume
allows for an increased maximum dollar           subject to the same loan processing,               of export sales for the previous year.
amount of SBA guaranty outstanding to            making, closing, servicing, and liquidation
any one business (and affiliates) from $1.5      requirements as well as the same maturity          communitY adjuStment and
million to $1.75 million. In order to reach
the $1.75 million SBA guaranty ceiling, the
                                                 terms, interest rates, and applicable fees as      inveStment proGram
                                                 for other SBA loans except as noted below.            The Community Adjustment &
borrower must have an international trade        The total Export Express loan cannot               Investment Program helps communities
loan as well as an SBA working capital loan      exceed $250,000. SBA guarantees 85                 that suffered job losses due to changing
or line of credit. The international trade       percent for loans of $150,000 and under and        trade patterns following the North
loan provides an SBA guarantee up to $1.5                                                           American Free Trade Agreement. The
                                                 75 percent for loans over $150,000 to
million of a term loan used for the                                                                 North American Development Bank has
                                                 $250,000. SBA allows participating lenders
acquisition, construction, renovation,                                                              partnered with the SBA and the U.S.
                                                 to make their own credit decisions. SBA
modernization, improvement or expansion                                                             Departments of Agriculture and the
of long-term fixed assets or the refinancing     provides a quick processing time, less than
                                                                                                    Treasury to make credit available to
of an existing loan used for these same          36 hours.                                          businesses in affected communities to help
purposes. In addition a borrower may             Eligible Buyers – The foreign buyer must           create or retain jobs.
have a separate working capital loan (term       be a creditworthy entity located in an
or line of credit) with a maximum SBA
guaranty of $1.25 million. When combined,
                                                 acceptable country.
                                                                                                    Sba’S non-7(a) loan proGramS
                                                 Use of Proceeds                                      In addition to the 7(a) Loan Program SBA
the maximum SBA guaranty outstanding
                                                   • Finance standby letters of credit used for     has four other non-disaster assistance
to any one business is $1.75 million. The                                                           programs which can help small businesses
SBA guaranty fee and interest rates are the          either bid or performance bonds;
                                                   • Finance export development activities          gain access to capital and bonding.
same as for any standard 7(a) loans.
                                                     such as export marketing and
Eligibility of Exporter
                                                     promotional activities, participation in       dealer Floor plan pilot
  • Applicants must meet the same eligibility
                                                     foreign trade shows, translation of
                                                     product literature for foreign markets,        initiative
    requirements for a 7(a) loan.                    and other activities designed to initiate or     Under the Dealer Floor Plan Pilot
  • Applicant must establish the loan will           expand the applicant’s export of its           Initiative, which will be available through
    significantly expand or develop an export        products/services from the U.S.;               Sept. 30, 2010, SBA will guarantee up to

Visit us online: www.sba.gov/mo                                                                               MISSOURI Small Business Resource —   25
75 percent of a floor plan line of credit         these two requirements do not have to meet          Central Ozark Development
between $500,000 and $2 million to eligible       the job creation or retention requirement, so          Pam Gilbert
dealers of titleable assets, including, but not   long as the CDC portfolio average is at least          34 Roofener
limited to, automobiles, motorcycles, boats                                                              P.O. Box 3553
                                                  $50,000.                                               Camdenton, MO 65020
(including boat trailers), recreational             • Eligible project costs are limited to long-
vehicles and manufactured housing                                                                        573-346-5692 • 573-346-9686 Fax
                                                      term, fixed assets such as land and                Pam-gilbert@att.net
(mobile homes). The maximum maturity                  building (occupied by the borrower) and
on revolving lines of credit approved under           substantial machinery and equipment.            Citywide Development Corp.
this pilot initiative will be limited to five         Working capital is not an eligible use of          William Gillmor
years.                                                proceeds.                                          7628 State Ave., Ste. 3/P.O. Box 12252
   Proceeds must be used either for the             • Most borrowers are required to make an             Kansas City, KS 66112
acquisition of titleable inventory for retail         injection (borrower contribution) of just          913-788-9884 • 913-788-2741 Fax
sales or to refinance existing floor plan lines       10 percent which allows the business to            billg@citywidekcks.com
of credit with another lender. Repayment              conserve valuable operating capital. A
of these lines will occur as the acquired             further injection of 5 percent is needed if     Midwest Small Business Finance
inventory is sold. Proceeds may not be                the business is a start-up or new (less            Jim Hampton
used for any other purpose, including to              than 2 years old) and a further injection of       1251 N.W. Briarcliff Parkway, Ste. 25
refinance any existing same-institution               5 percent is also required if the primary          Kansas City, MO 64116
                                                      collateral will be a single purpose                816-468-4989 • 816-468-7778 Fax
floor plan line of credit.
                                                      building.                                          mailto:jimh@clayedc.com
                                                    • Two-tiered project financing: a lender
certiFied development                                 finances approximately 50 percent of the        Frontier Financial Partners, Inc.
companY loan proGram                                  project cost and receives a first lien on the
                                                      project assets (but no SBA guaranty); A
                                                                                                         Wayne Symmonds
                                                                                                         1512 W. 6th Ave., Ste. E
(504 loanS)                                           CDC (backed by a 100% SBA-guaranteed
                                                      debenture) finances up to 40% of the
                                                                                                         Emporia, KS 66801
                                                                                                         620-342-7041 • 620 342-6907 Fax
   The 504 Loan Program is an economic                                                                   Symmonds@frontierfinancialpartners.com
                                                      project costs secured with a junior lien.
development program that supports                     The borrower provides the balance of the
American small business growth and helps              project costs.                                  Enterprise Development Corporation
communities through business expansion              • Fixed interest rate on SBA loan. SBA               Michael Crist
and job creation. This SBA program                    guarantees the debenture 100 percent.              910 E. Broadway, Ste. A
provides long-term, fixed-rate, subordinate           Debentures are sold in pools monthly to            Columbia, MO 65201
mortgage financing for acquisition and/or             private investors. This low, fixed rate is         573-875-8117 • 573-443-2319 Fax
                                                      then passed on to the borrower and                 Mcrist@socket.net
renovation of capital assets including land,
                                                      establishes the basis for the loan rate.
buildings and equipment. Most for-profit                                                              Heartland Business Capital, Inc.
                                                    • All project-related costs can be financed,
small businesses are eligible for this                including acquisition (land and building,          David Long
program. The types of businesses excluded             land and construction of building,                 12345 W, 95th St., Ste. 200
from 7(a) loans (listed previously) are also          renovations, machinery and equipment)              Lenexa, KS 66215
excluded from the 504 loan program.                   and soft costs, such as title insurance and        913-599-1717 • 913-599-6430 Fax
   Loans are provided through Certified               appraisals. Some closing costs may be              david@hbcloans.com
Development Companies. CDCs work                      financed.
                                                    • Collateral is typically a subordinate lien      Mid-America, Inc.
with banks and other lenders to make loans                                                               Charles Heath
in first position on reasonable terms,                on the assets financed; allows other assets
                                                      to be free of liens and available to secure
                                                                                                         PSU - Business & Technology Institute
helping lenders retain growing customers                                                                 Pittsburg, KS 66762
                                                      other needed financing.
and provide Community Redevelopment                 • Long-term real estate loans are up to 20-
                                                                                                         620-235-4920 • 620-235-4919 Fax
Act credit.                                                                                              cheath@pittstate.edu
                                                      year term, heavy equipment 10 or 20-year
   The SBA 504 loan is distinguished from             term and are self-amortizing.
the SBA 7(a) loan program in these ways:                                                              MO-Kan Development, Inc.
                                                  Businesses that receive 504 loans are:                 Jon Ecker
The maximum debenture, or long-term                 • Small — net worth under $8.5 million, net          224 N. 7th St.
loan, is:                                             profit after taxes under $3 million, or            St. Joseph, MO 64501
The maximum debenture, or long-term                   meet other SBA size standards.                     816-233-3144 • 816-233-8498 Fax
loan, is:                                           • Organized for-profit.                              mailto:jecker@mo-kan.org
  • $1.5 million for businesses that create a       • Most types of business — retail, service,
     certain number of jobs or improve the            wholesale or manufacturing.                     RMI
     economy of the locality;                        The SBA’s 504 certified development                 Mindy Murray
  • $2 million for businesses that meet a         companies serve their communities by                   3324 Emerald Ln.
     specific public policy goal, including       financing business expansion needs. Their              Jefferson City, MO 65109
     veterans; and                                professional staffs works directly with                573-635-0136 • 573-635-5636 Fax
  • $4 million for manufacturers.                 borrowers to tailor a financing package that           mindy@rmiinc.org
  Recent additions to the program allow $4        meets program guidelines and the credit
                                                                                                      Wakarusa Valley Development, Inc.
million for each project that reduces the         capacity of the borrower’s business. For
                                                                                                         Troy Roberts
borrower’s energy consumption by at least         information, visit www.sba.gov/services,               120 E. 9th
10 percent; and $4 million for each project       then choose “SBA Loans” from the links in              Lawrence, KS 66044
that generates renewable energy fuels, such       the right-hand column. Click on “CDC/504               785-749-7600 • 785-749-7601 Fax
as biodiesel or ethanol production. Projects      Program.”                                              troberts@wakarusavalley.org
eligible for up to $4 million under one of

26 — Small Business Resource   MISSOURI                                                                                     Visit us online: www.sba.gov/mo
EDC Loan Corporation                              Bankers Capital Corporation              CFB Venture Fund II, Inc.
     Tom Kenagy                                      Raymond E. Glasnapp                      Greg L. Garddert
     1100 Walnut, Ste 1700                           3100 Gilliam Rd.                         1000 Walnut, 18th Fl.
     Kansas City, MO 64106                           Kansas City, MO 64109                    Kansas City, MO 64106
     816-691-2111 • 816-691-2161 Fax                 816-531-1600 • 816-531-1334 Fax          816-234-2357 • 816-234-2952 Fax
     tkenagy@edckc.com                               cglasnapp@aol.com
                                                                                           CFB Venture Fund II, L.P.
microloan proGram                                 BOME Investors II, LLC
                                                     Shelly Whittington or Thomas Adamek
                                                                                           CFB Venture Fund III, L.P.
                                                                                              James F. O’Donnell
   The Microloan Program provides small              c/o Gateway Capco II, LLC                11 S. Meramec, Ste. 1430
loans ranging from under $500 to $35,000.            8000 Maryland Ave., Ste. 1190            St. Louis, MO 63105
Under this program, the SBA makes funds              St. Louis, MO 63105                      314-746-7427 • 314-746-8739 Fax
available to nonprofit intermediaries that,          314-721-5707 • 314-721-5135 Fax          Bill.Witzofsky@capitalforbusiness.com
in turn, make the loans directly to                  mconley@tworiversventures.com
                                                                                           Eagle Fund I, L.P.
entrepreneurs,    including      veterans.        BOME Investors III, LLC                     Scott Fesler/Bush O’Donnell
Proceeds can be used for typical business            Shelley Whittington                      101 S. Hanley Rd., Ste. 1250
purposes such as working capital,                    c/o Gateway Capco II, LLC                St. Louis, MO 63105
machinery and equipment, inventory and               8000 Maryland Ave., Ste. 1190            314-727-4555 • 314-727-8829 Fax
leasehold improvements. Interest rates are           St. Louis, MO 63105                      sfesler@swbank-stl.com
negotiated between the borrower and the              225-332-7721 • 225-332-7377 Fax
intermediary.                                        mconley@tworiversventures.com         C3 Capital Partners, LP
                                                                                              Patrick F. Healey and Mikala January
   For    more   information,     go    to
                                                  BOME Investors, Inc.                        4520 Main St., Ste. 1600
www.sba.gov/services, then choose “SBA               Gregory Johnson & John McCarthy          Kansas City, MO 64111
Loans” from the links in the right-hand              c/o Gateway Capco II, LLC                816-756-2225 • 816-756-5552 Fax
column. From there, click on “Micro                  8000 Maryland Ave., Ste. 1190            phealy@C3cap.com
Loans.”                                              St. Louis, MO 63105
RMI                                                  314-721-5707 • 314-721-5135 Fax
     3324 Emerald Ln.                                mconley@tworiversventures.com
     Jefferson City, MO 65101
     Serves the state of Missouri.

Small buSineSS inveStment
companY proGram
    There are a variety of alternatives to bank
financing for small businesses. The Small
Business Investment Company Program
fills the gap between the availability of
private capital and the needs of small
businesses. Licensed and regulated by the
SBA, SBICs are privately owned and
managed investment funds that make
capital available to qualifying U.S. small
businesses through investments or loans.
They use their own funds plus funds
obtained at favorable rates through SBA-
guaranteed leverage. SBICs are for-profit
firms whose incentive is to share in the
success of a small business. In addition to
equity and debt investments, SBICs
provide managerial, operational and
technical assistance. The SBIC Program
provides funding for a broad range of
industries and stage of investment, in areas
across the country. Some SBICs invest in a
particular field or industry while others
invest more generally. For more
information visit: http://www.sba.gov/inv.
American Century Ventures, II, LLC
     Mark Hyde
     4500 Main St., 9th Fl.
     Kansas City, MO 64109
     816-531-1600 • 816-531-1334 Fax

Visit us online: www.sba.gov/mo                                                                      MISSOURI Small Business Resource —   27
Kansas Venture Capital, Inc.                  up to $5 million, and up to $10 million on a   may issue, monitor and service bonds
    John Dalton                               federal contract, if the contracting officer   without SBA’s prior approval.
    6700 Antioch Plaza, Ste. 460              certifies that the guarantee is in the best      For more information on the Surety Bond
    Overland Park, KS 66204
    913-262-7117 • 913-262-3509 Fax           interest of the government. The SBA            Guarantee Program, visit SBA’s Web site at:
    mparker@kvci.com                          reimburses sureties a predetermined            www.sba.gov/osg.
                                              percentage of losses sustained if a            Federal Insurance Agency
CFB Venture Fund I, Inc.                      contractor breaches the terms of the              5750 W. 95th St., Ste. 105
    James F. O’Donnell                                                                          Overland Park, KS 66207
                                              contract.                                         913-385-5000
    11 S. Meramec, Ste. 1430
                                                The SBA has two program options
    St. Louis, MO 63105
    314-746-7427 • 314-746-8739 Fax           available, the Prior Approval Program          Surety Support Service, Inc.
    Bill.Witzofsky@capitalforbusiness.com     (Plan A) and the Preferred Surety Bond            7255 W. 98th Terr., Ste. 170
                                              Program (Plan B). In the Prior Approval           Overland Park, KS 66212
MidAmerica Capital Corporation                                                                  913-385-7760
                                              Program, SBA guarantees 90 percent of a
    Kevin F. Mullane                          surety’s paid losses and expenses on
    911 Main St., Ste. 2424
    Commercial Tower Bldg.                    bonded contracts up to $100,000, and on
    Kansas City, MO 64105                     bonded contracts greater than $100,000 that
    816-842-0114 • 816-471-7339 Fax           are awarded for socially and economically
                                              disadvantaged and HUBZone contractors
MidStates Capital, L.P.                       and veterans and service-disabled veteran
    Timothy Keeble
                                              owned small businesses. All other bonds
    7300 W. 110th St., 7th Fl.
    Overland Park, KS 66210                   guaranteed in the Plan A Program receive
    913-962-9007 • 913-962-0699 Fax           an 80 percent guarantee. Sureties must
    timkeeble@mail.com                        obtain SBA’s prior approval for each bond
                                              guarantee issued. Under the PSB Program,
RiverVest Venture Fund I, LP                  SBA guarantees 70 percent, but sureties
    Thomas C. Melzer
    7733 Forsyth Blvd., Ste. 1650
    St. Louis, MO 63105
    314-726-6700 • 314-727-6715 Fax
    tmelzer@rivervest.com                         Top Ten Lenders 10-1-08 thru 9-30-09
UMB Capital Corporation, Inc.
    Mark Schmidtlein                            UMB Bank, N.A.                                      42              $9,114,500
    1010 Grand Blvd./P.O. Box 419226
    Kansas City, MO 64141                       US Bank, N.A.                                       40              $6,003,100
    816-860-7105 • 816-860-7143 Fax             Summit Bank of Kansas City                          32              $9,626,900
                                                Commerce Bank, N.A.                                 22              $3,218,500
tHe SuretY bond Guarantee                       Rural Missouri, Inc.                                14              $10,446,000
proGram                                         Heartland Business Capital, Inc.                    14              $7,802,000
  The Surety Bond Guarantee Program is a        M&I Marshall & Ilsley Bank                          14              $1,586,500
public-private partnership between the          Mazuma CU                                           13              $2,087,000
federal government and surety companies
that provides small businesses with the
                                                Metcalf Bank                                        12              $1,078,200
bonding assistance necessary for them to        Wells Fargo, N.A.                                   11              $6,861,700
compete for government and private
contracting opportunities. The guarantee
provides the necessary incentive for
                                                Springfield Branch Office 10-1-08 thru 9-30-09
sureties to bond small businesses that          Liberty Bank                                       139              $33,567,580
would otherwise be unable to obtain
bonding. The program is aimed at small
                                                RMI                                                 28              $14,440,000
businesses that lack the combination of         Southwest Missouri Bank                             26              $1,975,800
working capital and performance track           The Bank of Missouri                                14              $3,832,000
record necessary to secure bonding on a         Commerce Bank, NA                                   14              $1,344,300
reasonable    basis    through     regular
commercial channels.                            U.S. Bank, NA                                       14              $270,600
  Through this program, the SBA                 PNC Bank, NA                                        11              $4,152,300
guarantees bid, payment, performance and        Hometown Bank, NA                                    9              $738,500
necessary ancillary bonds issued by surety
companies for individual contracts of up to
                                                Bank of Crocker                                      8              $2,439,000
$2 million. Under the American Recovery         Arvest Bank                                          6              $1,711,900
and Reinvestment Act, SBA can guarantee

28 — Small Business Resource   MISSOURI                                                                            Visit us online: www.sba.gov/mo
Visit us online: www.sba.gov/mo   MISSOURI Small Business Resource —   29
                                           CONTRACTING OPPORTUNITIES

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

   The SBA helps to ensure small                They also provide guidance to assist small       perform on the contract. If the business
businesses get fair opportunities to share      businesses in identifying subcontracting         demonstrates the ability to perform, the
federal government prime contracts. SBA                                                          SBA issues a certificate of competency to
                                                opportunities and marketing their products
procurement center representatives work                                                          the contracting officer, requiring award of
                                                and services to these large contractors.
to expand contracting opportunities for                                                          that contract to the small business.
                                                   CMRs also work with agencies to ensure
small businesses. PCRs review contracting
strategies and actions, to identify contracts   subcontracting with small and small,
for which small businesses can compete.         disadvantaged businesses, women-owned            Small buSineSS
   Visit the SBA’s Office of Government
Contracting        home        page       at:
                                                small businesses, HUBZone firms and
                                                small businesses owned by service-               Size StandardS
                                                disabled veterans through inclusion of              The Small Business Act states that a
www.sba.gov/aboutsba/sbaprograms/gcbd/                                                           small business concern is “one that is
GC_PCRD1.html for a listing of PCRs and         subcontracting evaluation factors and sub-
                                                factors.                                         independently owned and operated and
buying installations nationwide.
                                                   For a list of CMRs, click on:                 which is not dominant in its field of
                                                                                                 operation.” The law also states that in
tHe SubcontractinG                              www.sba.gov/aboutsba/sbaprograms/gcbd/
                                                                                                 determining what constitutes a small
aSSiStance proGram                                                                               business, the definition will vary from
                                                                                                 industry to industry to reflect industry
   The Subcontracting Assistance Program        tHe certiFicate oF competencY                    differences accurately. The SBA’s Small
promotes maximum use of small
businesses by the nation’s large prime          proGram                                          Business Size Regulations (13 CFR Part 121)
                                                                                                 implement the Small Business Act’s
contractors. The SBA’s commercial market           The Certificate of Competency program         mandate to the SBA.
representatives work with large businesses      allows a small business to appeal a                 The SBA has also established a table of
to identify and expand subcontracting           contracting officer's determination that it is   size standards, matched to North American
opportunities for small businesses. CMRs        unable to fulfill the requirements of a          Industry Classification System industries,
conduct compliance reviews to ensure that       specific government contract on which it is      used to determine eligibility for SBA
large businesses comply with small              the apparent successful offeror. The SBA         programs and small business preferences
                                                will conduct a detailed review of the firm’s     for federal government contracts.
business subcontracting requirements.
                                                technical and financial capabilities to

30 — Small Business Resource   MISSOURI                                                                              Visit us online: www.sba.gov/mo
  A more in-depth listing of standards can           • For a product or class of products after    location, quality certification, bonding
be  found at www.sba.gov/contracting                   determining that no small business is       level, business type, ownership, SBA
opportunities/officials/size/index.html.               available to participate in the federal     certification, and by women, minority,
                                                       procurement market.                         veteran and service-disabled veteran
Size Determination                                   These two types of waivers of the rule        ownership. The DSBS serves as a
  The Size Determination Program,                  are regularly referred to as “individual        marketing tool for small businesses
administered by SBA’s six government               waivers” or “solicitation-specific” and         because the business profiles in the DSBS
contracting area offices, ensures that only        “class waivers.”                                include information from SBA’s files and
small firms receive contracts and other              For the purpose of waivers, a class of        other available databases plus additional
benefits reserved exclusively for small            products is defined based on the Office of      business and marketing information on
businesses. When a firm’s claim that it is         Management and Budget’s North                   individual firms.
small is challenged, the SBA determines if         American Industry Classification (NAICS)            To search the DSBS for small businesses,
the firm, including all of its affiliates, meets   Manual and, presently, on the General           click on: http://web.sba.gov/pro-net/search/
established SBA size standards. Size               Service Administration’s Product and            dsp_dsbs.cfm or select the “Dynamic Small
determinations may also be made when               Service Code Directory. Within each code        Business Search” at the CCR Web site at:
requested in connection with other federal         are subdivisions of products that can be        http://www.ccr.gov.
small business programs.                           considered for waiver. A request for a              Registration in the DSBS is through the
  Additional information is available at the       waiver of class of products should refer to a   CCR. For more information on CCR, or to
above “Size Standards” site.                       specific subdivision, or statement of           register, click the CCR Web site. Before
                                                   product, within a code in one of these          registering in CCR, go to the top of the Web
Missouri Procurement Assistance                    manuals.                                        page and download the handbook which
                                                     Any individual or organization                contains data for a successful registration.
Centers                                            (government agency, business, association,
  The Procurement Assistance Centers
help small businesses interested in
                                                   etc.) may request a waiver for a class of
                                                   products. The request should be in writing      Hubzone proGram
government contracting opportunities.              addressed to the Associate Administrator           The Historically Underutilized Business
University of Missouri                             for Government Contracting and should           Zone Program stimulates economic
     410 S. 6th St.                                                                                development and creates jobs in urban and
     200 Engineering N.                            specifically state the class, or classes, of
                                                   products for which the waiver is sought.        rural communities by providing federal
     Columbia, MO 65211
                                                     More information on the rule is available     contracting assistance to small businesses.
     www.missouribusiness.net/ptac                 at: www.sba.gov/aboutsba/sbaprograms/              The HUBZone program establishes
                                                   gc/programs/gc_waivers_nonmanufacturer.         preferences for award of federal contracts
University of Missouri - Kansas City               html.                                           to small businesses located in historically
     4747 Troost Ave., Rm. 105                                                                     underutilized business zones.
     Kansas City, MO 64111
     816-235-2891                                  Small buSineSS vendor                              In general, small businesses may obtain
                                                                                                   HUBZone certification by employing staff
     www.missouribusiness.net/ptac/western         databaSe                                        who live in a HUBZone and maintaining a
                                                      The SBA works with the integrated            “principal office” in one of these specially
Missouri State University                          acquisition community to provide a              designated areas.
     901 S. National                                                                               SBA is responsible for:
     Springfield, MO 65897                         database of vendors, including small
                                                   businesses. The Central Contractor                • Determining whether or not individual
     417-836-5680                                                                                      concerns are qualified HUBZone small
                                                   Registration System is the primary gateway
                                                   vendor and grantee database for the federal         business concerns, and therefore eligible
Missouri Southern State University                                                                     to receive HUBZone contracts;
     Robert W. Plaster Free Enterprise Center      government. CCR collects, stores and
                                                                                                     • Maintaining a list of qualified HUBZone
     3950 Newman Rd.                               disseminates data to support agency
                                                                                                       small business concerns for use by
     Joplin, MO 64801                              acquisition and grants missions. Both
                                                                                                       acquisition agencies in awarding
     417-625-9313                                  current and potential federal government            contracts under the program; and
                                                   vendors and grantees are required to              • Adjudicating protests and appeals of
Nonmanufacturer Waiver Program                     register in CCR to receive federal contracts        eligibility to receive HUBZone contracts..
  The Small Business Act also contains             or grants. Vendors are required to complete     To qualify for the program, a business
provisions     that   allow   the    SBA           a one-time registration to provide basic
                                                                                                   must meet the following criteria:
Administrator to waive this requirement            information relevant to procurement, grant
                                                                                                     • It must qualify as a small business under
when there are no small business                   and financial transactions.                         SBA size standards, corresponding to its
manufacturers or processors available to              Vendors must update or renew their               primary industry classification;
supply the product to the federal                  registration at least once a year to maintain     • Its principal office must be located within
government.      The Administrator has             an active status. The SBA provides the CCR          a HUBZone, which includes lands on
delegated the authority to make decisions          with authoritative source information               federally recognized Indian reservations
on waivers of the Nonmanufacturer Rule to          regarding certifications under 8(a) Business        and covered by the phrase “Indian
the    Associate    Administrator     for          Development and HUBZone programs and                Country”;
Government Contracting in the following            provides the small business size status           • It must be owned (at least 51 percent) by
cases:                                             against each North American Industry                one or more U.S. citizens, Community
  • After reviewing a determination by a           Classification code listed in a registrant’s        Development           Corporation,       an
    contracting officer that no small business     profile.                                            agricultural cooperative, an Indian tribe;
    manufacturer       or     processor    can        SBA maintains the Dynamic Small                  and
    reasonably be expected to offer a product                                                        • At least 35 percent of its employees must
    meeting the specifications (including          Business Search function of the CCR.
                                                   Businesses profiled on the DSBS can be              reside in a HUBZone.
    period of performance) required of an
    offeror or by the solicitation; or             searched by NAICS codes, keywords,

Visit us online: www.sba.gov/mo                                                                               MISSOURI Small Business Resource —   31
   Existing businesses that choose to move        Americans. An individual who is not a            controlled by one or more individuals who
to qualified areas are eligible. To fulfill the   member of one of the groups presumed to          are     socially      and      economically
requirement that 35 percent of a HUBZone          be socially disadvantaged must establish         disadvantaged. Congress has directed that
firm’s employees reside in a HUBZone,             individual social disadvantage by a              individuals who are members of certain
employees must maintain a primary                 preponderance of the evidence. Anyone            ethnic groups are presumed to be
residence in a HUBZone for at least 180           may apply for 8(a) Program certification.        disadvantaged. Other persons, including
days or be a currently registered voter in           For additional information regarding          women and persons of any race, can also
that area.                                        evidence of social disadvantage, please          qualify by establishing their disadvantaged
   For additional information regarding           visit:    http://www.sba.gov/aboutsba/sba        status.
the HUBZone Program, please visit:                programs/8abd/index.html.                           Firms self-certify as SDB for federal
http://www.sba.gov/hubzone.                                                                        prime contracts and federal subcontracts
                                                  Economic disadvantage:                           without submitting any application to SBA
aSSiStance For Small &                               Economically disadvantaged individ-
                                                  uals are socially disadvantaged individuals
                                                                                                   for SDB certification.
                                                                                                      To self-certify as small disadvantaged
diSadvantaGed buSineSSeS                          whose ability to compete in the free-            businesses, firms should:
                                                  enterprise system has been impaired due to
8(a) business development                         diminished capital and credit opportunities
                                                                                                     1) Update their Central Contractor
                                                                                                        Registration (CCR) profile, ensuring they
program                                           as compared to others in the same or                  select they are a self-certified Small
                                                                                                        Disdavantaged Business; and
   The SBA’s Section 8(a) Business                similar line of business who are not socially
                                                                                                     2) Update      their   company's        Online
Development Program provides various              disadvantaged.                                        Representation       and      Certification
forms of assistance (management and                                                                     Application - specifically, the Federal
technical assistance, financial assistance,       Net worth:                                            Acquisition Regulation clause at 52.219-
government contracting assistance and                For initial 8(a) Program certification, the        1(b)(2), entitled “Small disadvantaged
                                                  net worth of an individual claiming                   business concern,” and check the box
advocacy support) to foster the growth and                                                              indicating they are a self-certified SDB.
development of businesses owned and               disadvantage, must be less than $250,000.
                                                  For continued 8(a) Program eligibility after        Other than its list of certified 8(a) firms,
controlled by one or more socially and                                                             SBA will no longer maintain a list of
economically disadvantaged individuals.           admission, net worth must be less than
                                                  $750,000. In determining such net worth,         certified SDB firms. The 8(a) Business
SBA assists these businesses, (during a
                                                  SBA will exclude the ownership interest in       Development Program is not affected by
nine-year tenure in the 8(a) Business
                                                  the applicant business and the equity in the     this rule. Firms may continue to apply for
Development Program), to gain access to
the resources necessary to develop their          primary residence.                               8(a) Certification.
businesses and improve their ability to
compete in the mainstream of the
                                                  Day-to-Day Management:                           Welfare to Work Initiative
                                                    • Management and daily business                   The SBA is dedicated to helping
American economy.                                     operations must be controlled by the
   Business    development       assistance                                                        entrepreneurs open new businesses,
                                                      disadvantaged individual(s) upon whom
includes one-to-one counseling, training              eligibility is based.                        expand existing enterprises and sustain
workshops, and other management and                 • The       individual(s)  must      have      success in their operations.
technical guidance required to expand into            management or technical expertise.              Now, in this era of low unemployment,
the federal government contracting arena.           For additional information on the 8(a)         the SBA is helping small businesses gain
   The SBA enters into contracts with other       Business Development Program, visit:             access to a new pool of potential workers as
federal agencies and subcontracts the             http://www.sba.gov/aboutsba/sbaprograms/         well as helping former welfare recipients
performance of such contracts to eligible         8abd/index.html.                                 become entrepreneurs.
8(a) program participants.                                                                            Small business represents the “work”
                                                  Certification of Minority and                    side of the welfare to work equation. Small
Eligibility Criteria:                                                                              firms provide the largest potential source of
                                                  Women-Owned Businesses                           jobs for individuals leaving public
  To participate in the 8(a) program, a              Companies seeking written certification
                                                  must be at least 51 percent owned and            assistance. By hiring former welfare
business must be:                                                                                  recipients, small business owners can tap
  • a small business                              operated by a woman or minority
  • owned by one or more U.S. citizens            entrepreneur:                                    into significant wage subsidies and tax
  • at least 51 percent unconditionally owned     Kansas Department of Commerce and                breaks.
    and controlled by one or more an              Kansas Department of Transportation                 How will small businesses benefit from
    individual(s) who qualify as socially and         Office of Minority and                       participating? Businesses will be able to
    economically disadvantaged                        Women Business Development                   hire work ready individuals through
  • established for two full years before
    applying (or qualifying for a waiver of           Capitol Bldg., Rm. 212                       service providers and job training
    the two-year rule)                                Topeka, KS 66612-1590                        programs that have tested, screened and
                                                      785-296-3232                                 trained them for employment. Upon hiring
Social disadvantage:                              State of Missouri Office                         a former welfare recipient, businesses will
   Socially disadvantaged is defined as           of Administration                                receive benefits. Under the Welfare to Work
individuals who have been subjected to                Division of Purchasing                       Tax Credit, employers can complete a few
racial or ethnic prejudice or cultural bias           301 W. High St.                              simple forms and receive credits. A number
because of their identity as a member of a            Jefferson City, MO 65102                     of participating states offer additional tax
group without regard to their individual              573-751-8130 or 877-259-2963                 incentives.
capabilities. The following individuals are                                                           They may also offer wage subsidies of
presumed to be socially disadvantaged:            Small Disadvantaged Business                     up to 50 percent of a former welfare
Black Americans, Native Americans,                Certifications                                   recipients salary to employers providing
Hispanic Americans, Asian Pacific                   To qualify as a small disadvantaged            the necessary on-the-job training. For more
Americans and Subcontinent Asian                  business, a firm must be owned and               information contact:

32 — Small Business Resource   MISSOURI                                                                                  Visit us online: www.sba.gov/mo
Kansas City District Office
     1000 Walnut St., Ste. 500
     Kansas City, MO 64106                        •   Accounting                               veteran-oWned Small
     816-426-4902 • 816-426-4939 Fax              •
                                                      Marketing and presentation analysis
Applying Online For 8(a) Program                  •   Advertising                                 In May 2004, the Small Business Act
                                                  •   Loan packaging                           established procurement vehicles for small
Certification                                     •   Proposal bid preparation                 businesses owned and controlled by
   Prior to applying for the 8(a) Program,        •   Feasibility studies                      service-disabled veterans to assist agencies
each firm is urged to take an on-line             •   Industry specific technical assistance   in achieving the 3 percent governmentwide
training and self-evaluation course. To get       •   The identification and development of    goal for procurement from service-
to       the      course,     click     on            new business opportunities               disabled, veteran-owned small businesses.
http://training.sba.gov:8000/assessment.           More information is at:                        Contracting officers may award a sole-
The first part explains 8(a) Program in                                                        source or set-aside contract to a small
detail, ending in an eligibility self-                                                         business owned by a service-disabled
assessment test.                                 8abd/grantinfo/index.html.
                                                                                               veteran if:

The Mentor-Protégé Program for
8(a) Participants
    Through the SBA’s Mentor-Protégé
Program, 8(a) Program participants can
receive in-depth business advice to assist
them in becoming more competitive in
obtaining federal government contracts.
The SBA’s Mentor-Protégé Program
encourages private-sector relationships and
broadens efforts to address the needs of
clients in the 8(a) Program.
    If you are an 8(a) participant, mentors
can provide you with technical and
management           assistance,    financial
assistance in the form of equity investments
or loans, subcontract support, and
assistance in performing prime contracts
through joint-venture arrangements with
8(a) businesses.
    For     more       information,     visit:

manaGement and tecHnical
   SBA’s Section 7(j) Management and
Technical Assistance Program authorizes
the SBA to enter into grants, cooperative
agreements and contracts with public or
private organizations to pay all or part of
the cost of technical or management
assistance for individuals or concerns
eligible for assistance under sections: 7(a)
(11), 7(j) (10), or 8(a) of the Small Business
Act. Specifically, the following are eligible
to receive management and technical
assistance including businesses which
qualify as small under 13 CFR part 121
concerns located in urban or rural areas
with high proportions of unemployed or
low-income individuals, or which are
owned by such low-income individuals;
and businesses eligible to receive 8(a)
   The types of assistance available to
eligible      individuals      through     the
Management and Technical Assistance
Program include counseling and training in
the areas of:

Visit us online: www.sba.gov/mo                                                                          MISSOURI Small Business Resource —   33
  • The requirement is determined to be          available    at: www.sba.gov/aboutsba/sba          efforts. The technologies and products are
    excluded from fulfillment through award      programs/gc/programs/gc_service_disabled.html.     transferred from the laboratory to the
    to Federal prison industries, Javits                                                            marketplace. The small business profits
    Wagner-O’Day, Orders under Indefinite
    Delivery Contracts, Orders against           Small buSineSS innovation                          from the commercialization, which, in turn,
                                                                                                    stimulates the U.S. economy.
    Federal Supply Schedules, requirements
    currently being performed by 8(a)            reSearcH proGram
    participants, and Requirements for              The SBIR Program encourages small               STTR Requirements:
    commissary or exchange resale items.         businesses to explore their technological             Small businesses must meet the
  • The requirement is not currently being       potential by reserving a specific percentage       following eligibility criteria to participate in
    performed by an 8(a) participant, and                                                           the STTR Program.
    unless SBA has consented to release of the   of federal research and development funds
                                                 for small businesses. The program serves             • Be 51 percent owned and controlled by
    requirement from the Section 8(a)                                                                   one or more individuals who are U.S.
    Program.                                     to fund the critical startup and                       citizens or permanent resident aliens in
  • SBA has not accepted the requirement for     development stages for a technology and                the U.S.
    performance under the 8(a) authority,        encourages commercialization of the                  • Be organized for profit.
    unless SBA has consented to release of the
    requirement from the Section 8(a)
                                                 technology, product or service. In turn, this        • Principal researchers need not be
                                                 stimulates the U.S. economy.                           employed by small business.
    Program.                                                                                          • Small business must conduct at least 40
  • There is a reasonable expectation that at    SBIR Requirements:                                     percent of the work.
    least two responsible SDVO businesses           Small businesses must meet the                    • Company size cannot exceed 500
    will submit offers.                                                                                 employees. (No size limit for nonprofit
  • The award can be made at a fair market       following eligibility criteria to participate in
                                                 the SBIR program.                                      research institution).
                                                   • Be 51 percent owned and controlled by          The nonprofit research institution partner
                                                     one or more individuals who are U.S.           must also meet certain eligibility criteria:
SDVO Sole Source Contracts                           citizens or permanent resident aliens in         • Be located in the United States and be one
  A contracting officer may award a sole             the U.S. or be a for-profit business               of the following:
source contract to a SDVO small business if          concern that is at least 51 percent owned        • Nonprofit college or university.
the officer determines that none of the set-         and controlled by another for-profit             • Domestic         nonprofit        research
aside exemptions or provisions apply and             business concern that is at least 51 percent       organization.
the anticipated award price of the contract,         owned and controlled by one or more              • Federally funded R&D center.
                                                     individuals who are citizens of, or              • The research institution must conduct at
including options, will not exceed:                                                                     least 30 percent of the work.
  • $5.5    million      for    manufacturing        permanent resident aliens in, the U.S.
    requirements                                   • Be organized for profit.
  • $3.5 million for all other requirements        • Principal researcher must be employed          Participating Agencies:
  • The SDVO small business is a responsible         by small business.                               Each year the following five Federal
    contractor able to perform the contract        • Company size cannot exceed 500                 departments and agencies are required by
  • The award can be made at a fair and              employees.                                     STTR to reserve a portion of their R&D
    reasonable price                                For more information on the SBIR                funds     for     award      to    small
                                                 Program visit: http://www.sba.gov/aboutsba/        business/nonprofit research institution
SDVO Simplified Acquisition                      sbaprograms/sbir/index.html.                       partnerships: Department of Defense;
Contracts                                                                                           Department of Energy; Department of
   If a requirement is at or below the           Participating Agencies:                            Health and Human Services; National
simplified acquisition threshold, a                 Each year, the following eleven federal         Aeronautics and Space Administration;
contracting officer may set-aside the            departments and agencies are required to           and National Science Foundation.
requirement for consideration among              reserve a portion of their R&D funds for
SDVO small businesses using simplified
acquisition procedures, or may award a
                                                 award to small business: Departments of
                                                 Agriculture; Commerce; Defense; Educa-             tecH-net
sole source contract to a SDVO small             tion; Energy; Health and Human Services;              TECH-Net is an Internet-based database
business. More information is available at:      Homeland Security; Transportation; En-             of information containing Small Business
www.sba.gov/gc/indexprograms-vets.html.          vironmental Protection Agency; National            Innovation Research awards and Small
   Veterans and service-disabled veterans        Aeronautics and Space Administration;              Business Technology Transfer awards.
may participate in all SBA procurement           and National Science Foundation.                      It is a search engine and electronic
programs. To determine your eligibility,                                                            gateway of technology information and
                                                                                                    resources for and about small high-tech
contact your local veterans business
development officer in your nearest SBA          Small buSineSS tecHnoloGY                          businesses. It is a tool for researchers,
district office, visit the various program       tranSFer proGram                                   scientists, state, federal and local
                                                                                                    government officials, a marketing tool for
Web sites or contact the SBA’s Office of            The STTR program reserves a specific
Veterans Business Development at:                                                                   small firms and a potential “link” to
                                                 percentage of federal R&D funding for              investment opportunities for investors and
www.sba.gov/vets.                                award to small business and nonprofit              other sources of capital.
                                                 research institution partners. Small                  TECH-Net is a free service for those
Service Disabled, Veteran-Owned                  business has long been where innovation            seeking small business partners, small
Small Business Protest                           and innovators thrive. But the risk and            business contractors and subcontractors,
  The SDVO Protest program is                    expense of conducting serious R&D efforts          leading edge technology research, research
administered by SBA to ensure that only          can be beyond the means of many small              partners,     (e.g.    small   businesses,
businesses owned by service disabled             businesses. Conversely, nonprofit research         universities, federal labs and non-profit
veterans receive contracts reserved              laboratories are instrumental in developing        organizations), manufacturing centers and
exclusively for them. When a business’s          high-tech innovations. But frequently,             investment opportunities.
SDVO self-certification on a contract is         innovation is confined to the theoretical,            TECH-Net         is    available     at:
challenged, the SBA determines if the            not the practical. STTR combines the               http://web.sba.gov/technet/docrootpages/
business meets the status, ownership and         strengths of both entities by introducing          index.cfm.
control requirements. More information is        entrepreneurial skills to high-tech research

34 — Small Business Resource   MISSOURI                                                                                   Visit us online: www.sba.gov/mo
                                                DISASTER RECOVERY &

           diSaSter aSSiStance
                            Knowing the Types of Assistance Available for Recovery
                                                                                                   More information on all of SBA’s
                                                                                                disaster assistance programs is available at:
                                                                                                istance/index.html.       Information       for
                                                                                                military reservists called to active duty is at:

                                                                                                Disaster Preparedness
                                                                                                   For small businesses, surviving a
                                                                                                disaster doesn’t begin with clearing the
                                                                                                debris and returning to work.
            he disaster program is SBA’s        resume. The law restricts economic injury          Surviving begins long before the disaster

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

Visit us online: www.sba.gov/mo                                                                            MISSOURI Small Business Resource —   35

               WatcHinG out For You       The SBA is Your Voice in Washington

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

36 — Small Business Resource   MISSOURI                                                                           Visit us online: www.sba.gov/mo
otHer aSSiStance
 otHer SourceS oF                                 GREENE COUNTY EXTENSION CENTER
                                                    833 N. Boonville Ave.
                                                                                                    KC BIZCARE
                                                                                                      1118 Oak St.
                                                                                                                                                       SMALL & HOME BUSINESS CONNECTION
                                                                                                                                                         P.O. Box 7604
 aSSiStance                                         Springfield, MO 65802
                                                    417-862-9284 • 417-862-1809 Fax
                                                                                                      Kansas City, MO 64106
                                                                                                                                                         Shawnee Mission, KS 66207
                                                                                                      kcbizcare@kcmo.org                                 Networking organization for home-based
 Chambers of Commerce                             CAMDEN COUNTY EXTENSION COUNTY                      KC BizCare is a free business resource,            business owners in the Kansas City area.
    Chambers of Commerce serve as a central         Jacqueline Rasmussen                              advocacy and information center for new            Fosters professional growth through mutual
    location where the local small business         34 Roofener St.                                   and existing businnesses operating within          support, networking and education. Five
    community may obtain information,               Camdenton, MO 65020                               the City of Kansas City, MO. The center            chapters meet monthly. Call for information
    publications and contact information.           573-346-2644 or 573-346-2694                      focuses on helping customers understand            or for a copy of the HBC newsletter.
                                                    rasmussj@missouri.edu                             and comply with city regulations.
 KANSAS CoC AND INDUSTRY                            State Purchasing Agents                                                                            INTERNATIONAL TRADE DEVELOPMENT
   835 S.W. Topeka Blvd.                                                                            CITY OF SPRINGFIELD PLANNING                       DIVISION
   Topeka, KS 66612                               STATE OF KANSAS DIVISION                          AND DEVELOPMENT DIVISION                             Kansas Department of Commerce and
   785-357-4732                                   OF PURCHASES                                         840 Boonville                                     Housing
   kcci@kspress.com                                 900 S.W. Jackson                                   Springfield, MO 65802                             700 S.W. Harrison, Ste. 1300
                                                    Topeka, KS 66612                                   417-864-1031                                      Topeka, KS 66603
 MISSOURI STATE CoC                                 785-296-2376                                       Offers business development assistance            785-296-4027
   428 E. Capitol                                   Central purchasing office for all Kansas           including the Small Business Loan Program         ksintl@ink.org
   Jefferson City, MO 65101                         agencies. A file of all businesses wanting to      and administers the Enterprise Zone               Provides assistance to Kansas companies
   573-634-3511                                     do business with the State is maintained           program which offers income and property          wishing to begin or expand international
                                                    according to the products and services each        tax benefits to businesses starting or            marketing efforts.
 MID-AMERICA TRADE ADJUSTMENT                       bidder wishes to sell.                             relocating in specified areas of Springfield.
 ASSISTANCE CENTER (TAAC)                                                                                                                              JOHNSON COUNTY BUSINESS TECH
   664 S.E. Bayberry Ln., Ste. 101                STATE OF MISSOURI DIVISION                        COMMUNITY DEVELOPMENT                              CENTER
   Lee’s Summit, MO 64063                         OF PURCHASING                                     CORPORATION OF KANSAS CITY                           9875 Widmer
   816-246-1555 or                                  Office 0f Administration                          2420 E. Linwood Blvd., Ste. 110                    Lenexa, KS 66215
   800-551-TAAC (in MO, KN & AK)                    Truman Bldg., Rm. 580                             Kansas City, MO 64109                              913-438-2282
   816-246-9860 Fax                                 Jefferson City, MO 95102                          816-924-5800                                       The Tech Center provides consulting
   TAAC is a nonprofit center funded by the         573-751-5340                                      Microloan assistance (up to $25,000) to            services, administrative support, and
   U.S. Dept. of Commerce that assists small to     Coordinates all state purchasing. To bid on       small businesses located in Cass, Clay,            facilities to start-up and growing
   mid-sized manufacturing firms in Missouri,       state contracts, small businesses must have       Jackson, Platte and Ray counties in                companies that are capable of stimulating
   Kansas and Arkansas who have been                a vendor number. Call or write to request         Missouri. The organization assists                 business activity and employment in
   impacted by increased import competition.        an application for vendor number.                 entrepreneurs with the development of              Johnson County, KS.
                                                    Other Resources                                   business and financial plans and represents
 SPRINGFIELD AREA CoC                                                                                 them to potential lenders.                       MISSOURI RURAL OPPORTUNITIES
   202 S. John Q. Hammons Pkwy.                   BUSINESS ASSISTANCE CENTER OF                                                                        COUNCIL (MDROC)
   Springfield, MO 65801                          KANSAS CITY, MO                                   ENTERPRISE CENTER                                    30 W. High, Rm. 770
   417-862-5567                                     414 E. 14th St.                                   1714 N. Prospect Dr./P.O. Box 276                  Jefferson City, MO 65102
   www.springfieldchamber.com                       Kansas City, MO 64106                             Macon, MO 63552                                    573-751-1238
                                                    816-513-2880                                      660-385-6550
 UNIVERSITY OF MISSOURI EXTENSION                   Business development assistance for new           Provides a link between small businesses         KANSAS TECHNOLOGY ENTERPRISE
 BUSINESS AND INDUSTRY SPECIALISTS                  and expanding small businesses in Kansas          and potential funding and business               CORPORATION
   Clay County Extension Center                     City.                                             development resources. Primarily serves            214 W. 6th St., 1st Fl.
   1901 N.E. 48th St.                                                                                 north central Missouri.                            Topeka, KS 66603
   Kansas City, MO 64118                          KCSOURCELINK                                                                                           785-296-5272
   816-792-7760 • 816-792-7787 Fax                  4747 Troost Ave.                                ENTREPRENEUR DEVELOPMENT CENTER                      KTEC stimulates innovation and
                                                    Kansas City, MO 64110                             Donnelly College                                   commercialization of new products through
 TANEY COUNTY EXTENSION CENTER                      816-235-6500 Hotline                              608 18th St.                                       a series of research, development and
   122 Felkins Ave./P.O. Box 598                    www.kcsourcelink.com                              Kansas City, KS 66102                              financing programs.
   Forsyth, MO 65653                                KCSourceLink connects a network of over           913-621-8777
   417-546-4431 • 417-546-4457 Fax                  125 nonprofit resource organizations in the       Program provides training and hands-on           KAUFFMAN CENTER FOR
                                                    Kansas City region that offer business-           learning to assist small business owners.        ENTREPRENEURIAL LEADERSHIP
 BUCHANAN COUNTY EXTENSION CENTER                   building services for small business success.     Low-to-moderate income individuals may             4900 Oak St.
   Aline Laing                                      KCSourceLink makes it easy for aspiring,          participate at no cost. Offers a number of         Kansas City, MO 64112
   4125 Mitchell Ave./P.O. Box 7077                 emerging and existing small business              programs and services.                             816-932-1046
   St. Joseph, MO 64507                             owners to find the right resource at the                                                             Offers a number of education, training and
   816-279-1691 • 816-279-3982 Fax                  right time. Call the hotline number and         FIRST STEP FUND                                      research programs for entrepreneurs
   lainga@missouri.edu                              KCSourceLink will connect you to the               4747 Troost                                       nationwide. Sponsors the FastTrac training
                                                    organization that can best support you in          Kansas City, MO 64110                             program for both beginning and growing
 PETTIS COUNTY EXTENSION CENTER                     meeting your business challenges.                  816-235-6116                                      small businesses in a number of locations.
   1012A Thompson Blvd.                             KCSourceLink provides these services to            Offers business and entrepreneurial training
   Sedalia, MO 65301                                small business at no cost.                         and ongoing support to low-to-moderate          MID-AMERICA MANUFACTURING
   660-827-0591 • 660-827-4888 Fax                                                                     income individuals in the Kansas City metro     TECHNOLOGY CENTER - KANSAS
                                                                                                       area. Program also offers a microloan             10561 Backley, Ste. 602
 HOWELL COUNTY EXTENSION CENTER                                                                        program, networking and mentoring for             Overland Park, KS 66212
   Willis Mushrush                                                                                     participants.                                     913-649-4333
   217 S. Aid Ave.                                                                                                                                       Provides a range of services to
   West Plains, MO 65775                                                                                                                                 manufacturing firms, including factory
   417-256-2391 • 417-256-8569 Fax                                                                                                                       automation, cost control, marketing, plant
   musrushw@missouri.edu                                                                                                                                 layout and business planning.

Visit us online: www.sba.gov/mo                                                                                                                        MISSOURI Small Business Resource —           37
otHer aSSiStance
 TECHNOLOGY CENTER - (MAMTC)                      PROGRAM                                           U.S. COMMERCIAL SERVICE-                           The Enterprise Center of Johnson County
 MISSOURI                                           State Treasurer’s Office                        KANSAS CITY                                        8527 Bluejacket
   Lakeside Plaza                                   P.O. Box 210                                      911 Main St., Ste. 2509                          Overland Park, KS 66214
   1575 N. Universal Ave., Ste. 130                 Jefferson City, MO 65102                          Kansas City, MO 64105                            913-492-5922
   Kansas City, MO 64120-2143                       800-662-8257                                      816-421-1876                                     Serving the state of Kansas.
   816-482-1176                                     The State Treasurer provides low-interest,        www.export.gov                                   www.KansasWBC.com
                                                    linked time deposits of state funds to            The U.S. Commercial Service in Kansas City
                                                    Missouri financial institutions to make           provides assistance to companies of all        Small Business Awards
                                                    loans to Missouri small businesses that           sizes seeking to begin exporting to expand
   1601 E. 18th St., Ste. 230                       create or retain jobs. Small business             into new international markets, or to
                                                                                                                                                     Nominate Your Favorite
   Kansas City, MO 64108                            deposits up to $100,000 and can be                increase their presence in existing markets.   Small Business
   816-274-2301                                     renewed for up to five years. Can be used         Services include export counseling, market       The SBA accepts nominations for its annual
   Provides management and technical                for a variety of operating expenses.              research, identifying trade partners, and        Small Business Awards to be presented
   assistance. Among the many programs is                                                             trade education programming.                     during Small Business Week. The awards are
   the Business Incubator which provides          MISSOURI STATE CENSUS DATA CENTER                                                                    given each year to outstanding
   residential and non-residential office space     Missouri State Library                          WOMEN’S ENTREPRENEUR PROGRAM                       entrepreneurs and dedicated advocates who
   to entrepreneurs.                                600 W. Main St.                                  Avila College                                     have used their professional skills and
                                                    Jefferson City, MO 65102                         11901 Wornall Rd.                                 talents to increase opportunities for small
 MINORITY CONTRACTORS ASSOCIATION                                                                                                                      businesses in Kansas and Missouri.
                                                    573-751-0810                                     Kansas City, MO 64145
   1400 Kansas
                                                    The Council’s mission is to enhance the          816-942-8400 ext. 2275
   Kansas City, MO 64127                                                                                                                               Entrepreneur categories include Small
                                                    quality of life for Missouri women by            Training program for women seeking to
   816-231-4400                                                                                                                                        Business Person of the Year, Accountant
                                                    helping them achieve their full potential for    start or expand a small business. Evening
   The Association provides assistance to                                                                                                              Champion of the Year, Entrepreneurial
                                                    the betterment of themselves and their           sessions. Focuses on the completion of a
   minority and women contractors who need                                                                                                             Success, Financial Services Champion of the
                                                    families. Serves as a resource for women         business plan.
   help in a construction firm.                                                                                                                        Year, Home-based Business Advocate of the
                                                    business owners.
                                                                                                                                                       Year, Minority Small Business Champion of
 MINORITY SUPPLIER COUNCIL                                                                          SBA Women’s Business                               the Year, Small Business Exporter of the
                                                  MOBERLY AREA COMMUNITY COLLEGE
   3017 Main St., Ste. 100
                                                   Workforce and Techical Education
                                                                                                    Center                                             Year, SBA Young Entrepreneur of the Year,
   Kansas City, MO 64108                                                                              The SBA Women’s Business Centers provide
                                                   101 College Ave.                                                                                    Small Business Journalist of the Year,
   816-931-9672                                                                                       training, counseling, and mentoring services
                                                   Moberly, MO 65270-1304                                                                              Veteran Small Business Person of the Year
   The Council focuses on marketing the                                                               to current and potential women
                                                   660-263-4110                                                                                        and Women in Business Champion of the
   goods and services of minority suppliers to                                                        entrepreneurs. Recently, grants for two of
                                                   Assists new/existing businesses and                                                                 Year. Winners at the local level go on to
   the Kansas City business community.                                                                eight new SBA Women’s Business Centers
                                                   individuals with business development                                                               compete at the state level, and state
                                                                                                      have been funded in the Kansas City              winners compete at the national level.
                                                   resources, training and assessments. Also,
                                                                                                      metropolitan area. The SBA Women’s
                                                   assists companies with training through the
                                                                                                      Business Centers are located at the              For more information, contact the Kansas
                                                   Missouri Customized Training Program.
                                                                                                      following:                                       City District Office at 816-426-4902 or the
                                                                                                                                                       Springfield Branch Office at 417-890-8501
                                                                                                                                                       ext. 203.

                                                                                                                                                     2010 Kansas City Small
                                                                                                                                                     Business Week Winners
                                                                                                                                                     2010 MISSOURI SMALL BUSINESS
                                                                                                                                                     PERSON OF THE YEAR
                                                                                                                                                       Jeffrey L. Messenger, Owner, CEO
                                                                                                                                                       Kessler-Heasley Artificial Limb Co.

                                                                                                                                                     2010 MISSOURI ENTREPRENEURIAL
                                                                                                                                                     SUCCESS AWARD
                                                                                                                                                       Rick and Cheryl Barsness
                                                                                                                                                       America’s Incredible Pizza Company

                                                                                                                                                     2010 MISSOURI WOMEN IN BUSINESS
                                                                                                                                                       Kathy Bennett
                                                                                                                                                       Bennett Package and Displays

                                                                                                                                                     2010 MISSOURI MINORITY SMALL
                                                                                                                                                     BUSINESS CHAMPION OF THE YEAR
                                                                                                                                                       Jeanette Prenger, President
                                                                                                                                                       ECCO Select Corporation

38 — Small Business Resource         MISSOURI                                                                                                                       Visit us online: www.sba.gov/mo
top lenderS
   Participating                     HAWTHORN BANK                        WACHOVIA SMALL BUSINESS            REGIONS BANK                    UMB BANK, N.A.
                                       132 E. High St.                    CAPITAL                              2045 S. Glenstone               1150 E. Battlefield
   Certified and                       Jefferson City, MO 65101             2413 W. Algonquin Rd., #151        Springfield, MO 65804           Springfield, MO 65808
   Preferred Lenders                   573-761-6249                         Algonquin, IL 60102                417-882-2222                    417-887-5855
   ADAMS DAIRY BANK                  INTRUST BANK, N.A.                                                      U.S. BANK, N.A.                 WELLS FARGO MINNESOTA,
     651 N.E. Coronado Dr.             4000 Somerset                      WELLS FARGO SBA LENDING              417 St. Louis                 N.A.
     Blue Springs, MO 64014            Prairie Village, KS 66208           10010 Regency C Cir., 2nd Fl.       Springfield, MO 65806           612-667-2753
     816-655-3333                      913-385-8200                        Omaha, NE 68114                     417-868-4400
   ARVEST BANK                       LIBERTY BANK
     4500 Garnett, Ste. 626             4625 S. National                  Springfield Branch
     Tulsa, OK 74146                    Springfield, MO 65810
     918-631-6803                       417-875-6763
                                                                          Office Participating
                                                                          Preferred and
   BANK OF AMERICA                   M&I MARSHALL & ILSLEY BANK           Certified Lenders
     10850 White Rock Rd.             770 N. Water St.
     Rancho Cordova, CA 95670         Milwaukee, WI 53202                 ARVEST BANK
     800-263-2055                     414-443-3303                          701 S. Main
                                                                            Joplin, MO 64801
   BRANCH BANK OF THE WEST           NEWTEK SMALL BUSINESS                  417-627-8000
   BRANCH                            FINANCE
     1400 River Park Dr.               462-7th Ave., 14th Fl.             BANK OF AMERICA, N.A.
     Sacramento, CA 95815              New York, NY 10018                   2940 S. Glenstone
     916-563-2958                      866-639-1835                         Springfield, MO 65806
     5901 C Peachtree Dunwoody         16225 Park Ten Place Dr.           BANK OF MISSOURI
     #420                              Houston, TX 77084                    3610 Buttonwood, Ste. 100
     Atlanta, GA 0328                  281-994-4177                         Columbia, MO 65201
     770-551-8822                                                           573-874-4700
                                     PREMIER BANK
   CIT SMALL BUSINESS LENDING          15301 W. 87th St. Pkwy.            CENTRAL TRUST BANK
      12120 State Line Rd./PMB 157     Lenexa, KS 66219                     P.O. Box 779
      Leawood, KS 66209                913-888-8490                         Jefferson City, MO 65102
      816-941-2090                                                          573-634-1234
                                     REGIONS BANK
   COMERICA BANK                       565 Marriott Dr., Ste. 600         CIT SMALL BUSINESS LENDING
     Mail Code 6629/POB                Nashville, TN 37214                CORP.
     Houston, TX 77210                 615-744-6061                          650 CIT Dr.
     800-925-2160                                                            Livingston, NJ 07039
                                     SUMMIT BANK OF KANSAS CITY              973-422-6004
   COMMERCE BANK, N.A.                 1650 N.E. Grand, Ste. 100
     1000 Walnut/P.O. Box 419248       Lee’s Summit, MO 64086             COMERICA BANK
     Kansas City, MO 64141             816-251-9000                         500 Woodward Ave.,
     816-234-7388                                                           1 Detroit Ctr.
                                     U.S. BANK/SBA DIVISION                 Detroit, MI 48226
   COMMUNITY SOUTH BANK                100 7500 College Blvd., Ste. 660     408-556-5129
     1050 W. Blue Ridge Blvd.          Overland Park, KS 66210
     Kansas City, MO 64145             888-722-3948                       COMMERCE BANK, N.A.
     816-942-0012                                                           1345 E. Battlefield
                                     UMB BANK, N.A.                         Springfield, MO 65804
   COUNTY CLUB BANK                    1010 Grand Blvd.                     417-837-5239
     414 Nichols Rd.                   Kansas City, MO 64106
     Kansas City, MO 64112             816-860-7113                       GE CAPITAL SMALL BUSINESS
     816-931-4060                                                         FINANCE
                                     UNION BANK & TRUST                     635 Maryville Centre, Ste. 120
   EMPRISE BANK                        P.O. Box 397                         St. Louis, MO 63141
     257 N. Broadway                   Bonner Springs, KS 66012             314-205-3500
     Wichita, KS 67202                 913-667-8651
     785-624-6530                                                         HAWTHORN BANK
                                     UNITED CENTRAL BANK                    P.O. Box 688
   GE COMPANY S.B. FINANCE             4555 W. Walnut St.                   Jefferson City, MO 65102
     7300 College Blvd., Ste. 208      Garland, TX 75042                    573-761-6161
     Overland Park, KS 66210           972-487-1505
     913-696-6200                                                         LIBERTY BANK
                                     UPS CAPITAL BUS. CREDIT                 4625 S. National
   GREAT WESTERN BANK                  280 Trumbull St.                      Springfield, MO 65810
     10610 Shawnee Mission             Hartford, CT 06103                    417-875-5200
     Shawnee, KS 66203                 860-727-0700

Visit us online: www.sba.gov/mo                                                                                                        MISSOURI Small Business Resource —   39

Description: Kansas City Business document sample