9 Getting Started in Western Pennylvania
22 Getting Approved
34 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 PITTSBURGH President/CEO
Joe Jensen firstname.lastname@example.org
FEATURES English Small Business Resource Advertising
Nicky Harvey email@example.com
4 Introduction 39 Disaster Recovery
• 4 Administrator’s Letter There are several types of
assistance available to
• 6 Director’s Message
9 Getting Started 40 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
about setting up, marketing research for the small business
and managing the revenue of
Laura Fox firstname.lastname@example.org
42 Other Sources of Editorial Content
Robert Dillier email@example.com
17 Regulations Chambers of Commerce can be
Common requirements that a vital resource for the small Shellehamer firstname.lastname@example.org
affect small businesses. SBA’s participation in this publication is not an
endorsement of the views, opinions, products or
45 Lender Listing services of the contractor or any advertiser or other
22 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
34 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
“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 PITTSBURGH Visit us online: www.sba.gov/pa/pitt
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
4 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
Message From The District Director
SBA Staff Listing
Rules For Success
www.sba.gov/pa/pitt Utilize the SBA and its multitude of resources to keep
your business on track and growing.
District Director Deputy District Director
Carl B. Knoblock Barbara A. Fisher
“Ability is what you are capable of doing. 4. Common Sense – One of your most
Ext. 106 Ext. 119
email@example.com firstname.lastname@example.org Motivation determines what you do. Attitude important assets.
determines how well you do it,” Lou Holtz – 5. Problem Solver – Outside the Box
Business Development District Director retired college football coach. This is so true
Assistant Freedom of Information when we deal with small businesses. The Small
This resource guide offers an easy-to-read
Karan L. Waigand Act Coordinator Business Administration (SBA) is focused on
Ext. 107 Carl B. Knoblock format on finding resources to meet and help
offering the three C’s: Capital, Contracting and
email@example.com Ext. 106 you face the daily challenges of running or
firstname.lastname@example.org starting a small business. Our office works in
Business Development conjunction with our resource partners to
Specialist Administrative Division The resources that are available to small
consolidate this information into this
International Trade Karan L. Waigand businesses are bountiful and plenty. The
publication. SBA would like to thank all of
Officer Ext. 107 problem is helping small businesses find those
those that assisted in making this publication
Stephen R. Drozda email@example.com resources to help them face these challenging
Ext. 114 available to small businesses.
economic times. In the Western Pennsylvania
firstname.lastname@example.org Program Support
District area, we have 27 counties with
Assistant The resource guide provides information on
Business Development Karen. M. Leezer approximately 275,000 small businesses. The
SBA programs in the following areas: financing,
Specialist Ext. 101 small businesses in rural and urban areas have
government contracting, exporting, advocacy,
Judith Kirby email@example.com unique challenges, but the resources are
disaster assistance, and technical assistance.
Ext. 123 available to all of them.
firstname.lastname@example.org Information Technology Small businesses have some very unique
Specialist opportunities in government contracting and
Women have an excellent support partner, the
Business Development Marianne B. Fischer international trade.
Specialist Ext. 126
Women Business Center (WBC). The veterans
Marisa L. Fentzel email@example.com have a very good partner the Veteran Business
Small businesses starting or growing to the next
Ext. 109 Outreach Center (VBOC). In addition, the
level please use the resource guide to help you.
firstname.lastname@example.org SCORE-Pittsburgh State of Pennsylvania economic development
I invite you to call our office at 412-395-6560 for
Chapter- Counselors to organizations, Small Business Development
Business Development America’s Small Business assistance. In addition, please visit the following
Centers (SBDC), SCORE, Procurement
Specialist Ext. 130 websites: www.sba.gov or www.business.gov.
Technical Assistant Centers (PTAC), USDA
Rural Development, US Commercial Service,
Officer Small businesses must stay ahead. Will Rogers
Janet M. Heyl Main Street programs, and Certified
stated it best, “Even if you’re on the right track,
Ext. 103 Development Companies (CDC) are the tip of
you’ll get run over if you just sit there.” “During
email@example.com the iceberg for offering assistance. They can
these times it is imperative to keep moving.
help you become stronger in your weakest place.
Please remember SBA is here to help you stay in
Five basic things to think about whether starting
a business, surviving, or growing your business:
All the best,
1. Persistence – Biggest obstacle is your
2. Website/Social Networking (Facebook,
Linked In, etc.) – Marketing yourself at a Carl B. Knoblock
low cost way.
3. International – If #2 is done, you are District Director of
global. SBA's Pittsburgh District Office
6 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
The SBA helps business
Doing Business in Western Pennsylvania
owners grow and expand
their businesses every day.
on starting, better operating or expanding
a small business through the Counselors
to America’s Small Business (SCORE),
Small Business Development Centers
(SBDC) and Women's Business Centers
(WBC). They also conduct training events
throughout the district - some require a
nominal registration fee.
Assistance to businesses owned and
controlled by socially and economically
disadvantaged individuals is provided
through the Business Development
A Women's Business Ownership
Representative is available to assist
women business owners. Please contact
Barbara Fisher at 412-395-6560 ext. 119 or
THE PITTSBURGH DISTRICT OFFICE CONTACTING THE PITTSBURGH
The Pittsburgh District Office is DISTRICT OFFICE Special loan programs are available for
responsible for the delivery of SBA's many For program, service or finance businesses involved in international trade.
programs and services in Western information, please dial 412-395-6560.
Pennsylvania under the leadership of A Veterans Affairs Officer is available to
District Director Carl B. Knoblock. The assist veterans. Please contact Carl
SERVICES AVAILABLE Knoblock at 412-395-6560 ext. 106 or
District Office is located at 411 Seventh
Financial assistance for new or existing e-mail: firstname.lastname@example.org.
Avenue, Suite 1450, Pittsburgh, PA. Office
businesses through guaranteed loans
hours are from 8:00 AM until 4:30 PM,
made by area bank and non-bank lenders.
Monday through Friday.
Free counseling advice and information
SUcceSS STORY money.laying roofing; siding and drywall to earn
spent his summers in both high school and
Before starting his own company, Morosky
We Welcome Your
Shaka, Inc. put his degree in health and physical education
General Contractor from Slippery Rock University to work at Penn
Hills High School, his alma mater. But while For extra copies of this publication or
Morosky loved teaching, the work wasn’t steady. questions please contact:
JC Kono Morosky “They weren’t hiring at the time so I was picking
President up work as a substitute teacher or a one-year Pittsburgh District Office
contract,” he explained. “When I got married in
411 Seventh Avenue, Suite 1450
When J.C. Kono Morosky of Jeannette strolls 1980, I needed steady employment, so I began
past the David L. Lawrence Convention Center the process to become a state trooper.” Pittsburgh, PA 15219
in downtown Pittsburgh, he often stops to Morosky graduated from the state police
admire his handiwork. Morosky’s general academy in 1983 and enjoyed a 21-year-career Tel.: 412-395-6560 Fax: 412-395-6562
construction firm, Shaka, Inc., helped to furnish that saw him on the road, serving as a minority TDD: 412-395-6563
and install sidewalks; roadways and retaining recruiter, negotiating hostage situations, being a
walls, as well as the building’s centerpiece – the member of scuba team, instructing physical
water feature that flows outdoors between two education at the academy and, finally, as a patrol
Morosky isn’t alone in appreciating the Five years into his career as a state trooper, an
center’s unique water element. Convention opportunity led Morosky to turn his hands-on
attendees often stop to gaze at the waterfall construction experience into a part-time venture.
nestled among the concrete. “I had heard there might be an opportunity for
“It’s really neat to see your work, to say ‘This work with the Pittsburgh Parking Authority,”
is ours, we built this,’” Morosky said. “That’s the Morosky said. “So, I joined the carpenters’ union,
good thing about construction...it’s a physical laborers’ union and the cement finishers’ union
object that you can see and show your kids.” to work in the city of Pittsburgh.”
For most of his life, the 57-year-old Morosky His moniker for the company was Shaka, Inc.
has been able to admire his work from afar. He “Shaka means to ‘hang loose’ in Hawaiian and
continued on page 26
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 7
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
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.
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.
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 9
1. Clarion University SBDC
3 2. Duquesne University SBDC
Erie 12 3. Gannon University SBDC
14 Warren McKean 4. Indiana University of PA SBDC
5. Penn State University SBDC
6. Saint Francis University SBDC
Elk Cameron 7. Saint Vincent College SBDC
1 8. University of Pittsburgh SBDC
9. Altoona-Blair County SCORE Chapter
10. Central Pennsylvania SCORE Chapter
11. Clearfield SCORE Location
Armstrong 5 10 12. Erie SCORE Chapter
Beaver 13. Huntingdon SCORE Location
Indiana 6 14. Meadville Area SCORE Branch Office
4 Cambria 9
Allegheny 7 Huntingdon
15. Pittsburgh SCORE Chapter
15 17 18 16. Uniontown SCORE Chapter
Westmoreland 17. Westmoreland County SCORE Chapter
Washington 18. Seton Hill University’s E-Magnify® Women’s
16 Bedford Business Center
and team counseling is free; there may be a Alleghenies SCORE Chapter 575 Pittsburgh SCORE Chapter 7
nominal fee for workshops and seminars. Devorris Center for Business Development 411 Seventh Ave., Ste. 1450
Through in-depth mentoring and 3900 Industrial Park Dr., Ste. 6 Pittsburgh, PA 15219
training, SCORE volunteers help Altoona, PA 16602 412-395-6560 ext.130 • 412-395-6562 Fax
prospective and established small business 814-942-9054 • 814-569-1146 Fax www.scorepittsburgh.com
owners and managers identify problems, Uniontown SCORE Chapter 472
determine the causes and find solutions. Central Pennsylvania SCORE Chapter 618 140 N. Beeson Ave.
Any small business can obtain help from Industry and Technology Center Uniontown, PA 15401
SCORE. Whether you are considering 2820 E. College Ave., Ste. E 724-437-4222 • 724-437-5922 Fax
starting your own business, have a State College, PA 16801 www.fayettecountypa.org/score
business that is experiencing problems, are 814-234-9415 • 814-234-9415 Fax
ready to expand, or need some other type www.scorecpa.org Westmoreland County SCORE
of advice, SCORE can help. The approach is Chapter 555
confidential and personal. You don't need Clearfield SCORE Location Saint Vincent College, Aurelius Hall
650 Leonard St. 300 Fraser Purchase Rd.
to be applying for or have an SBA loan to
Clearfield, PA 16830 Latrobe, PA 15650
participate in the program. In fact, an idea 814-765-8987 724-539-7505 • 724-539-1850 Fax
is all that is necessary; consultation and www.scorecpa.org www.westmorelandscore.org
mentoring before a business opens its doors
is an important part of SCORE's service. Erie SCORE Chapter 193 SCORE Can Troubleshoot
SCORE can also be found on the Internet 120 W. Ninth St.
Erie, PA 16501 Your Business
814-871-5650 • 814-871-7530 Fax Small businesses may not be aware that
Business owners use the Web to fulfill
www.scoreerie.org SCORE representatives are available to
their needs for information and advice.
counsel entrepreneurs who may be
SCORE is primed to meet requests for help
Huntingdon SCORE Location exploring the possibility of expanding their
by offering e-mail counseling, maps to local c/o Greater Huntingdon existing operations or may be experiencing
SCORE chapters, hotlinks to other business Chamber of Commerce some problems which are affecting the cash
resources on the Internet and more. E-mail Hunt Tower, 500 Allegheny St. flow of the business. If you would like to
counseling is provided by the Cyber- Huntingdon, PA 16652 discuss your concerns confidentially with a
chapter, which now includes more than 814-643-3126
SCORE counselor, please feel free to contact
1,200 online members. You can choose from
one of the SCORE Chapters in Western
almost 800 unique skills to find the cyber
Meadville SCORE Branch Pennsylvania.
counselor who best suits your specific
needs, including counseling for veterans, 628 Arch St./P.O. Box A201
Meadville, PA 16335
service-disabled veterans and Reserve 814-337-5194
component members. SCORE also offers
more than 30 online training workshops on
topics for small businesses.
10 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
Small buSineSS development Gannon University SBDC
120 W. Ninth St.
Saint Francis University SBDC
117 Evergreen Dr.
centerS Erie, PA 16501 Loretto, PA 15940
Small Business Development Centers Debra Steiner, Director Ed Huttenhower, Director
meet the needs of small businesses and 814-871-7232 • 814-871-7383 Fax 814-472-3200 • 814-472-3202 Fax
promote economic development in local
communities by helping to create and Counties: Erie, Crawford, Mercer and Counties: Cambria, Blair, Somerset, Bedford,
retain jobs. Partially funded by a Warren. Huntingdon and Fulton.
cooperative agreement with SBA, SBDCs
are focused on providing long-term Indiana University of Pennsylvania SBDC Saint Vincent College SBDC
counseling to clients to help them grow 108 Eberly College of Business 300 Fraser Purchase Rd., Aurelius Hall
successful businesses. The SBDC network Indiana, PA 15705 Latrobe, PA 15650
provides counseling and training to more Tony Palamone, Director James Kunkel, Director
than 550,000 existing or start-up businesses 724-357-7915 • 724-357-5985 Fax 724-537-4572 • 724-537-0919 Fax
annually. email@example.com firstname.lastname@example.org
SBDCs assist with development of www.iup.edu/business/sbdc www.stvincent.edu/sbdc
Counties: Indiana Counties: Westmoreland and Fayette.
business plans, provide manufacturing,
financial packaging, surety bonds, Penn State University SBDC University of Pittsburgh SBDC
contracting and international trade The Pennsylvania State University Wesley W. Posvar Hall, Ste. 1800
assistance. Special emphasis areas include The 329 Bldg., Ste. 417 230 S. Bouquet St.
e-commerce, technology transfer, IRS, EPA University Park, PA 16802 Pittsburgh, PA 15260
and OSHA regulatory compliance, research Heather Fennessey, Director Ray Vargo, Director
and development, Defense Economic 814-863-4293 • 814-865-6667 Fax 412-648-1542 • 412-648-1636 Fax
Transition Assistance, export assistance, email@example.com firstname.lastname@example.org
disaster recovery assistance and market www.sbdc.psu.edu www.entrepreneur.pitt.edu/sbdc/
research. SBDCs also provide special Counties: Centre and Mifflin Counties: Allegheny, Greene and
assistance to veterans and help with energy
efficiency under new program initiatives.
Based on client needs, SBDCs tailor their
services to meet the evolving needs of the
local small business community.
SBDCs deliver management and
technical assistance to prospective and
existing small businesses using an effective
business education network of 948 service-
center locations contracted to manage a
broad-based SBDC program. SBDCs are
located throughout the U.S., District of
Columbia, Guam, American Samoa, Puerto
Rico and the U.S. Virgin Islands.
For more information, visit the Web site
WESTERN PA SBDC CENTERS ARE
Clarion University SBDC
330 North Point Dr., Ste. 100
Clarion, PA 16214
Dr. Woodrow Yeaney, Director
814-393-2060 • 814-393-2636 Fax
Counties: McKean, Cameron, Elk, Forest,
Clarion, Armstrong, Indiana, Jefferson,
Clearfield, Venango and Potter.
Duquesne University SBDC
108 Rockwell Hall, 600 Forbes Ave.
Pittsburgh, PA 15282
Dr. Mary McKinney, Director
412-396-6233 • 412-396-5884 Fax
Counties: Allegheny, Beaver, Butler and
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 11
Women’S buSineSS centerS Some business owners burn out quickly
The SBA’s Women Business Center
Program is a network of 110 community-
WEBSITE from having to carry all the responsibility
for the success of their business on their
based centers which provide business Business plan help own shoulders. Strong motivation will
help you survive slowdowns and periods
training, counseling, mentoring and other of burnout.
assistance geared toward women, Find your nearest SCORE chapter at:
www.score.org. • How will the business affect your
particularly those who are socially and family? The first few years of business
economically disadvantaged. Partially For business plan help at the SCORE Web
site, click on “Business Tools” from the left-hand start-up can be hard on family life. It's
funded through a cooperative agreement important for family members to know
with the SBA, WBCs are located in nearly menu, then click on “Template Gallery.”
what to expect and for you to be able to
every state and U.S. territory. trust that they will support you during
To meet the needs of women You can find the nearest VBOC at:
www.sba.gov/vets. this time. There also may be financial
entrepreneurs, the WBCs offer services at
difficulties until the business becomes
convenient times and locations, including
To find WBCs, click on: www.sba.gov/services/ profitable, which could take months or
weekends. Some offer child care during
and choose “Women’s Business Centers” from the years. You may have to adjust to a lower
training and many provide assistance and
“Counseling and Assistance” heading at the standard of living or put family assets at
materials in different languages, depending
bottom. risk in the short-term.
on the needs of the individual communities
Once you’ve answered those questions,
they serve. WBC services create local
You can also find business-plan help on the SBA’s you should consider what type of business
economic growth and vitality; in fiscal
Web site at: you want to start. Businesses can include
2009, the WBC Program counseled and
http://www.sba.gov/smallbusinessplanner/ franchises, at-home businesses, Web-based
trained more than 155,000 clients.
then choose “Writing a Business Plan” from the businesses or brick-and-mortar stores.
WBC training courses are often free or
“Plan Your Business” menu along the bottom.
are offered at a small fee with scholarships
often available to those who need them. A FrancHiSinG
number of WBCs also provide courses and business - but you can improve your There are more than 3,000 business
counseling via the Internet, mobile chances of success with good planning, franchises. The challenge is to decide on
classrooms and satellite locations. preparation, and insight. Start by
one that both interests you and is a good
To find the nearest SBA WBC or to learn evaluating your strengths and weaknesses
as a potential owner and manager of a investment. Many franchising experts
more about SBA programs and services, suggest that you comparison shop by
visit the SBA’s Web site small business. Carefully consider each of
the following questions: looking at multiple franchise opportunities
http://www.sba.gov/idc/groups/public/docum before deciding on the one that's right for
• Are you a self-starter? It will be entirely
up to you to develop projects, organize
your time, and follow through on details. Some of the things you should look at
WESTERN PA WOMEN’S BUSINESS when evaluating a franchise: profitability,
CENTER: • How well do you get along with
different personalities? Business effective financial management and other
Seton Hill University E-Magnify owners need to develop working controls, a good image, integrity and
One Seton Hill Dr. relationships with a variety of people commitment, and a successful industry.
Greensburg, PA 15601-1599 including customers, vendors, staff, In the simplest form of franchising, while
Jayne H. Huston, Director bankers, and professionals such as you own the business, its operation is
724-830-4625 • 724-834-7131 Fax governed by the terms of the franchise
lawyers, accountants, or consultants. Can
email@example.com agreement. For many, this is the chief
www.e-magnify.com you deal with a demanding client, an
Counties: 27 Western PA counties unreliable vendor, or a cranky benefit for franchising. You are able to
receptionist if your business interests capitalize on a business format, trade name,
are You riGHt For Small demand it?
• How good are you at making
trademark and/or support system
provided by the franchisor. But you operate
buSineSS oWnerSHip? decisions? Small business owners are as an independent contractor with the
Most new business owners who succeed required to make decisions constantly - ability to make a profit or sustain a loss
have planned for every phase of their often quickly, independently, and under commensurate with your ownership.
success. Thomas Edison, the great pressure. If you are concerned about the risk
American inventor, once said, “Genius is 1 • Do you have the physical and involved in a new, independent business
percent inspiration and 99 percent emotional stamina to run a business? venture, then franchising may be an option
perspiration.” That same philosophy also Business ownership can be exciting, but for you. Remember that hard work,
applies to starting a business. it's also a lot of work. Can you face six or dedication and sacrifice are key elements in
First, you’ll need to generate a little bit of seven 12–hour workdays every week? the success of any business venture,
perspiration deciding whether you’re the • How well do you plan and organize? including a franchise.
right type of person to start your own Research indicates that poor planning is For more information visit the SBA Web
business. site at: http://www.sba.gov/smallbusiness
responsible for most business failures.
Good organization — of financials, planner/start/ and click on “Buy a
iS entrepreneurSHip For You? inventory, schedules, and production — Franchise” from the menu on the right side
In business, there are no guarantees. can help you avoid many pitfalls. or call your local SBA office.
There is simply no way to eliminate all the • Is your drive strong enough? Running a
risks associated with starting a small business can wear you down emotionally.
12 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
Home-baSed buSineSSeS • Can I switch from home responsibilities
to business work?
Some general areas include:
• Zoning regulations. If your business
Going to work used to mean traveling • Do I have the self-discipline to maintain operates in violation of them, you could
from home to a plant, store or office. Today, be fined or shut down.
many people do some or all their work at • Product restrictions. Certain products
• Can I deal with the isolation of working
home. cannot be produced in the home. Most
Garages, basements and attics are being from home?
states outlaw home production of
transformed into the corporate • Am I a self-starter? fireworks, drugs, poisons, explosives,
headquarters of the newest entrepreneurs – sanitary or medical products and toys.
home-based business owners. Finding Your Niche Some states also prohibit home-based
Choosing a home business must be businesses from making food, drink or
Getting Started approached carefully. clothing.
Before diving headfirst into a home- Be sure to consult an attorney and your
based business, you must know why you Ask yourself: local and state departments of state, labor
are doing it. To succeed, your business • Does my home have the space for a and health to find out which laws and
must be based on something greater than a business? regulations will affect your business.
• Can I identify and describe the business I Additionally, check on registration and
desire to be your own boss. You must plan
want to establish? accounting requirements needed to open
and make improvements and adjustments
• Can I identify my business product or
along the road. service?
your home-based business. You may need
Working under the same roof where • Is there a demand for that product or a work certificate or license from the state.
your family lives may not prove to be as service? Your business name may need to be
easy as it seems. It’s important to work in a • Can I successfully run the business from registered with the state. A separate
professional environment. One suggestion home? business telephone and bank account are
is to set up a separate office in your home to good business practices.
create this professional environment. Legal Requirements Also remember, if you have employees
Ask yourself these questions – and A home-based business is subject to you are responsible for withholding
remember, there are no best or right reasons many of the same laws and regulations income and social-security taxes, and for
for starting a home-based business. But it is affecting other businesses. complying with minimum wage and
important to understand what the venture employee health and safety laws.
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 13
If you’re convinced that opening a Operations languages. They provide training in
home-based business is for you, it’s time to • Explain how the business will be finance, management, marketing, and the
create your business plan. The SBA and its managed day-to-day. Internet, as well as access to all of the SBA’s
resource partners, such as SCORE, SBDCs • Discuss hiring and personnel procedures. financial and procurement assistance
and WBCs can help make the process • Discuss insurance, lease or rent programs.
agreements, and issues pertinent to your SBA also reaches out to women
business. entrepreneurs through women’s business
• Account for the equipment necessary to ownership representatives in every SBA
WritinG a buSineSS plan produce your goods or services. district office who coordinate services,
After you’ve thought about what type of • Account for production and delivery of provide access to business training and
products and services. counseling, to credit and capital, and
business you want, the next step is to
develop a business plan. Think of the marketing opportunities, including federal
business plan as a roadmap with
Concluding Statement contracts.
Summarize your business goals and
milestones for the business. It begins as a
pre-assessment tool to determine
objectives and express your commitment
to the success of your business. Once you veteranS and reServiStS
profitability and market share, then
expands as an in-business assessment tool
have completed your business plan, buSineSS development
review it with a friend or business The SBA offers a variety of services to
to determine success, obtain financing and associate and professional business
determine repayment ability, among other American veterans who have made or are
counselor like SCORE or SBDC
factors. representatives, SBA district office seeking to make the transition from service
Creating a comprehensive business plan business development specialists or member to small business owner. Each of
can be a long process, and you need good veterans business development SBA's 68 district offices has designated a
advice. The SBA and its resource partners, specialists. veterans business development officer to
including Small Business Development Remember, the business plan is a help veterans prepare, plan and succeed in
Centers, Veterans Business Outreach flexible document that should change as entrepreneurship.
Centers, SCORE and Women’s Business your business grows.
Centers, have the expertise to help you craft Veterans Business Outreach
a winning business plan. reacHinG underServed Centers
In general, a good business plan
audienceS Eight Veterans Business Outreach
Centers located in Massachusetts, New
Women business owners York, Pennsylvania, Florida, Michigan,
Introduction Women entrepreneurs are changing the Texas, Missouri and California provide
• Give a detailed description of the face of America's economy. In the 1970s, online and face to face entrepreneurial
business and its goals. women owned less than five percent of the development services for veterans and
• Discuss ownership of the business and its
nation’s businesses. Today, they are reservists such as business training,
majority owners of about a third of the counseling and mentoring, pre-business
• List the skills and experience you bring to
nation’s small businesses and are at least plan workshops, feasibility analysis, and
• Discuss the advantages you and your equal owners of about half of all small referrals to additional small business
business have over competitors. businesses. SBA serves women resources.
entrepreneurs nationwide through its During fiscal 2009, VBOC’s counseled or
Marketing various programs and services, some of trained 122,901 veteran entrepreneurs. To
• Discuss the products and services your which are designed especially for women.
learn more about the Veterans Business
company will offer. The SBA’s Office of Women’s Business
Outreach program or find the nearest SBA
• Identify customer demand for your Ownership serves as an advocate for
women-owned business and oversees a VBOC, visit the SBA Web site at
products and services.
nationwide network of more than a www.sba.gov/vets.
• Identify your market, its size and
locations. hundred women’s business centers that SBDCs and SCORE also provide targeted
• Explain how your products and services provide business training, counseling and management assistance to veterans who
will be advertised and marketed. mentoring geared specifically to women, are current or prospective small business
• Explain your pricing strategy. especially those who are socially and owners. SCORE also provides resources
economically disadvantaged. The program and counseling services online at:
Financial Management is a public-private partnership with locally- www.score.org.
• Develop an expected return on based nonprofits and each tailors its The SBA offers special assistance for
investment and monthly cash flow for the services to meet the needs of its community. small businesses owned by activated
first year. Women’s Business Centers serve a wide Reserve and National Guard members.
• Provide projected income statements, and diversity of geographic areas, population Any self-employed Reserve or Guard
balance sheets for a two-year period. densities, and economic environments, member with an existing SBA loan can
• Discuss your break-even point. including urban, suburban, and rural. request from their SBA lender or SBA
• Explain your personal balance sheet and Local economies vary from depressed to
method of compensation. district office, loan payment deferrals,
thriving, and range from metropolitan interest rate reductions and other relief
• Discuss who will maintain your areas to entire states. Each Women’s
accounting records and how they will be after they receive their activation orders.
Business Center tailors its services to the Additionally, the SBA offers special low-
needs of its individual community, but all
• Provide “what if” statements addressing interest-rate financing to small businesses
alternative approaches to potential
offer a variety of innovative programs,
when an owner or essential employee is
problems. often including courses in different
14 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
called to active duty. The Military Reservist reduces your regulatory risks, it can help financial assistance; on-site pollution
Economic Injury Disaster Loan Program you become more efficient and reduce your prevention and energy efficiency
provides loans to eligible small businesses operating costs. The Pennsylvania Small assessments; and environmental training
to cover operating costs that cannot be met Business Development Centers (SBDCs) workshops. Work with the SBDCs to look
due to the loss of an essential employee are available to provide you with for ways to meet your environmental
called to active duty in the Reserves or confidential assistance for understanding compliance requirements and improve
National Guard. Small businesses may your environmental compliance profitability. SBDC environmental staff will
apply for MREIDLs of up to $2 million if requirements. help you look for ways to minimize waste,
they have been financially impacted by the The EMAP services include free and prevent pollution, and improve energy
loss of an essential employee. The SBA has confidential assistance with identifying and efficiency to reduce operating expenses.
created a special Web page specifically for
understanding environmental permit and The SBDCs also provide a state-wide on-
Reserve and Guard members at:
compliance requirements; liaison to line service, the Pennsylvania Material
regulatory enforcement agencies; links to Trader, to promote the exchange of reusable
To ensure that veterans, service-disabled additional sources of technical and materials which have traditionally been
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.
SBA’s Patriot Express Initiative has new
and enhanced programs and services for
veterans and members of the military
community wanting to establish or expand
small businesses. See the Financing section
for more information on Patriot Express.
native american buSineSS
The SBA is also working to ensure that
entrepreneurship opportunities are
available for American Indians, Native
Alaskans and Native Hawaiians seeking to
create, develop and expand small
businesses. These groups have full access
to the necessary business development and
expansion tools available through the
agency’s entrepreneurial development,
lending and procurement programs. More
information is at: http://www.sba.gov/
Compliance Assistance and
Don’t let government regulations
manage your business. Smart management
of your environmental concerns not only
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 15
discarded. Using Material Trader, programming as a result of being
www.materialtrader.org, businesses can designated as a Women's Business Center
potentially save money on their disposal (WBC) by The U.S. Small Business
costs and find new free or inexpensive Administration (SBA). Intended for a five
sources or raw materials to reduce year project period, the center was awarded
production costs. The service is free and the maximum annual allowable grant for a
available to any business or organization. WBC. The only WBC located in Western
Additional information can be found at Pennsylvania, E-Magnify joins forces with
the Pennsylvania SBDC’s website at: the 99 other WBC's that exist nationwide to
http://pasbdc.orgor by calling Lee Ann assist women in starting, growing and
Briggs, REM at 412-396-6233. expanding their small businesses.
Drawing on E-Magnify’s experience in
Advocates of Small Businesses providing innovative programming,
There are nonprofit organizations that essential resources, and networking
were developed to represent, advocate, and opportunities to women entrepreneurs,
work on behalf of small businesses, such as: and fueled by the funding provided
National Association of Development through The U.S. Small Business
Companies. Administration, E-Magnify’s women’s
The National Association of business center programming helps E-
Development Companies (NADCO) is a Magnify reach a wider, more diverse
trade association of Certified Development population serving women located in rural
Companies (CDCs) – companies that have and remote areas of the state; economically
been certified by the Small Business and socially disadvantaged populations;
Administration to provide funding for and veterans as well as active duty military
small businesses under the SBA 504 Loan provide feedback to the SBA for its
Program. NADCO provides legislative and programs and policies and, 3) lender
The center will continue its long-
regulatory support for the 504 program on training for SBA products. This, in turn,
standing commitment to supporting
behalf of member CDCs and other program benefits small businesses who work with
women entrepreneurs who want to start,
affiliates. nadco.org/NADCO/welcome.html these lending institutions that can take
grow, or sustain their businesses through:
advantage of the SBA’s various programs • Counseling and Training
National Association of Government to help them grow and succeed. SBA • Educational Programming and Webinars
Guaranteed Lenders, Inc. participating lenders interested in joining • Advocacy Efforts
the organization, please contact WPASGL • Networking Opportunities
The National Association of
President Rebecca MacBlane at • Mentorship Programs
Government Guaranteed Lenders, Inc. • Technical Assistance
(NAGGL) is the premier source of technical 412-471-1030 or visit the organization at:
www.wpasgl.com. The WBC program, established by
information on the SBA 7(a) loan program. Congress in 1988, is administered by the
The mission of NAGGL is to serve the SBA's Office of Women's Business
needs and represent the interests of the
SMC Business Councils
With offices in Pittsburgh and Ownership and promotes the growth of
small business lending community who women-owned businesses through
Harrisburg, SMC Business Councils is the
utilize the SBA’s and other government business training and technical assistance,
premier trade association for smaller
guaranteed loan programs. www.naggl.org and provides access to credit and capital,
businesses in Pennsylvania. Since its
founding in 1944, SMC has been furnishing federal contracts, and international trade
Western Pennsylvania Association opportunities.
member-companies with the products,
of SBA Guaranteed Lenders E-Magnify's service territory covers the
information, and services they need to
WPASGL, the Western Pennsylvania 27 counties in Western Pennsylvania served
compete in the contemporary business
Association of SBA-Guaranteed Lenders by the Pittsburgh District Office: Allegheny,
world. As a nonprofit entity, SMC is
(the Association), is an organization Armstrong, Beaver, Bedford, Blair, Butler,
organized and run by business
comprised of U.S. Small Business Cambria, Cameron, Centre, Clarion,
owner/members and employs a staff of
Administration (SBA) bank, non-bank Clearfield, Crawford, Elk, Erie, Fayette,
professionals to provide services critical to
lending institutions, and support Forest, Greene, Indiana, Jefferson,
the operation of smaller businesses.
organizations that participate and do Lawrence, McKean, Mercer, Somerset,
Thousands of companies throughout
business with the Pittsburgh District office Venango, Warren, Washington and
Pennsylvania have come together and
of the SBA in western Pennsylvania. Westmoreland.
benefited under this banner.
Member-ship is limited to individuals To learn more about the programs and
employed by participating lending
resources women business owners are able
institutions and individuals employed by to access through E-Magnify, please or call
E-Magnify's Women's Business
organizations who provide services to 724-830-4625.
those lending institutions. The Association
In 2006 Seton Hill University's
provides its members numerous benefits
E-Magnify® women's business center
including: 1) providing members with
announced new and expanded
current SBA information, 2) a forum to
16 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
knoWinG tHe ruleS
Paying Attention to Detail Can Save Time and Money
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
A partnership exists when two or more
persons join together in the operation and
management of a business. Partnerships
are subject to relatively little regulation and
ven if your consulting service or state permits and professional licenses for are fairly easy to establish. A formal
E hand-knit sweater business is
based from your home, it will
have to comply with many of
the numerous local, state, and
federal regulations. Avoid the temptation to
ignore regulatory details. Doing so may
avert some red tape in the short term, but
“Feature Topics” focuses on common
business concerns. It provides context to
the compliance information provided on
the site and helps business owners
understand in plain language the
regulatory requirements their businesses
partnership agreement is recommended to
address potential conflicts such as: who
will be responsible for performing each
task; what, if any, consultation is needed
between partners before major decisions,
and what happens when a partner dies.
Under a general partnership each partner is
could be an obstacle as your business face. Additional topics are added on a liable for all debts of the business. Profits
grows. Taking the time to research the regular basis in response to the most are taxed as income to the partners based
frequent searches on the site. on their ownership percentage.
applicable regulations is as important as
knowing your market. Bear in mind that
regulations vary by industry. If you're in the buSineSS orGanization Limited Partnership
food-service business, for example, you There are many forms of legal structure Like a general partnership, a limited
will have to deal with the health you may choose for your business. Each partnership is established by an agreement
department. If you use chemical solvents, legal structure offers organizational options between two or more persons. However,
you will have environmental compliances with different tax and liability issues. We there are two types of partners.
suggest you research each legal structure • A general partner has greater control in
to meet. Carefully investigate the
thoroughly and consult a tax accountant some aspects of the partnership. For
regulations that affect your industry. Being and/or attorney prior to making your example, only a general partner can
out of compliance could leave you decision. decide to dissolve the partnership.
unprotected legally, lead to expensive General partners have no limits on the
penalties and jeopardize your business.
cHooSinG Your buSineSS dividends they can receive from profit so
they incur unlimited liability.
buSineSS.Gov Structure • Limited partners can only receive a share
You may operate your business under of profits based on the proportional
Business.gov provides a one-stop shop one of many organizational structures. The amount on their investment, and liability
for federal resources from the agencies that most common organizational structures are is similarly limited in proportion to their
regulate or serve businesses. investment.
sole proprietorships, general and limited
While most businesses in the United partnerships, “C” and “S” corporations and
States are required to obtain a permit, limited liability companies. “C” Corporation
professional license, or identification Each structure offers unique tax and A “C” corporation is a legal entity created
number to operate, finding the right license liability benefits. If you’re uncertain which under state law by the filing of articles of
can be a major challenge for potential business format is right for you, you may incorporation. A corporation is a separate
business owners. Business.gov’s “Permit want to discuss options with a business entity having its own rights, privileges and
Me” feature provides a single source for counselor or attorney. liabilities, apart from those of the
obtaining information about federal and individual(s) forming the corporation. It’s
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 17
the most complex form of business business is based. If you are a corporation, consider "key man" insurance. This type of
organization and is comprised of you’ll need to check with the state. policy is frequently required by banks or
shareholders, directors and officers. Since Corporation Bureau (PA) government loan programs. It also can be
the corporation is a separate legal entity in Pennsylvania Department of State used to provide continuity in operations
its own right it can own assets, borrow Commonwealth Avenue & North St.
206 N. Office Bldg. during a period of ownership transition
money and perform business functions caused by the death, incapacitation or
Harrisburg, PA 17120
without directly involving the owners. 717-787-1057 absence due to a Title 10 military activation
Corporations are subject to more www.dos.state.pa.us/corps/site/default.asp of an owner or other "key" employee.
government regulation and offer the Automobile – It is obvious that a vehicle
owners the advantage of limited liability,
but not total protection from lawsuits. buSineSS inSurance owned by your business should be insured
for both liability and replacement
Like home insurance, business insurance
purposes. What is less obvious is that you
Subchapter “S” Corporation protects the contents of your business
may need special insurance (called "non-
Subchapter “S” references a special part against fire, theft and other losses. Contact
of the Internal Revenue Code that permits a owned automobile coverage") if you use
your insurance agent or broker. It is
corporation to be taxed as a partnership or your personal vehicle on company
prudent for any business to purchase a
sole proprietorship, with profits taxed at business. This policy covers the business'
number of basic types of insurance. Some
the individual, rather than the corporate liability for any damage which may result
types of coverage are required by law, other
rate. A business must meet certain for such usage.
simply make good business sense. The
requirements for Subchapter “S” status. Officer and Director – Under most state
types of insurance listed below are among
Contact the IRS for more information. laws, officers and directors of a corporation
the most commonly used and are merely a
may become personally liable for their
starting point for evaluating the needs of
LLCs and LLPs actions on behalf of the company. This type
The limited liability company is a of policy covers this liability.
relatively new business form. It combines Liability Insurance – Businesses may
Home Office – If you are establishing an
selected corporate and partnership incur various forms of liability in
office in your home, it is a good idea to
characteristics while still maintaining status conducting their normal activities. One of
contact your homeowners' insurance
as a legal entity distinct from its owners. As the most common types is product liability,
company to update your policy to include
a separate entity it can acquire assets, incur which may be incurred when a customer
coverage for office equipment. This
liabilities and conduct business. It limits suffers harm from using the business
coverage is not automatically included in a
liability for the owners. The limited liability product. There are many other types of
standard homeowner's policy.
partnership is similar to the LLC, but it is liability, which are frequently related to
for professional organizations. specific industries. Liability law is
constantly changing. An analysis of your emploYer identiFication
loGiSticS oF StartinG Your liability insurance needs by a competent number
buSineSS professional is vital in determining an
adequate and appropriate level of
An EIN, also known as a federal tax
identification number, is used to identify a
protection for your business. business entity. Generally all businesses
buSineSS licenSeS Property – There are many different need an EIN. You may apply for an EIN in
There are many types of licenses, both types of property insurance and levels of a variety of ways, including online, phone,
state and local as well as professional. coverage available. It is important to fax. Taxpayers can obtain an EIN
Depending on what you do and where you determine the property you need to insure immediately by calling 800-829-4933,
plan to operate, your business may be for the continuation of your business and Monday through Friday, from 7:30 a.m. to
required to have various state and/or the level of insurance you need to replace 5:30 p.m. customer's local time.
municipal licenses, certificates or permits. or rebuild. You must also understand the Taxpayers can fax EIN requests seven
Licenses are typically administered by a terms of the insurance, including any days a week/24 hours a day by dialing the
variety of state and local departments. limitations or waivers of coverage. fax number to one of three IRS campuses
Consult your state or local government for Business Interruption – While property that accept applications. The instructions
assistance. insurance may pay enough to replace on the newly revised Form SS-4,
Corporation Bureau (PA) Application for Employer ID Number,
Pennsylvania Department of State damaged or destroyed equipment or
buildings, how will you pay costs such as indicate which IRS Campus is assigned to
Commonwealth Avenue & North St.
their specific state. Detailed information
206 N. Office Bldg. taxes, utilities and other continuing
Harrisburg, PA 17120 and an electronic SS-4 can be found at the
expenses during the period between when
717-787-1057 IRS Small Business/Self Employed
the damage occurs and when the property
www.dos.state.pa.us/corps/site/default.asp Community Web site at: http://www.irs.gov/
is replaced? Business Interruption (or businesses/small/index. html, click on New
"business income") insurance can provide
FictitiouS buSineSS name sufficient funds to pay your fixed expenses
Businesses. Faxed applications are
processed in four days. These IRS
Registering your business name, after during a period of time when your Campuses accept faxed applications at the
doing a search to make sure that it is not business is not operational. following numbers:
already in use, protects you from others "Key Man" – If you (and/or any other Holtsville, NY 631-447-8960
who might want to use the same name. For individual) are so critical to the operation of Cincinnati, OH 859-669-5760
more information, contact the county your business that it cannot continue in the Philadelphia, PA 215-516-3990
clerk’s office in the county where your event of your illness or death, you should
18 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
EINs are also issued automatically will have to pay penalties if it is found that Corporation: You must file a Federal
online. Visit the IRS Web site, you should have been taxing your products Corporation Income Tax return (Form
http://www.irs.gov/businesses/small/article/0, and now owe back taxes to the state. For 1120). You will also be required to report
,id=102767,00.html for more information. information on sales tax issues, contact your earnings from the corporation
your state’s government. including salary and other income such as
dividends on your personal federal income
Federal Bureau of Corporation Taxes
Taxing Division tax return (Form 1040).
SelF-emploYment tax 717-787-1064
Every employee must pay Social Security
www.revenue.state.pa.us Federal paYroll tax
Federal Withholding Tax: Any business
and Medicare coverage. If you are self-
employed, your contributions are made Federal income tax employing a person must register with the
Like the state income tax, the method of IRS and acquire an EIN and pay federal
through the self-employment tax.
paying federal income taxes depends upon withholding tax at least quarterly. File Form
The IRS has publications, counselors and
your legal form of business. The following SS-4 with IRS to obtain number and
workshops available to help you sort it out.
procedures must be considered: required tax forms. Call 800-829-3676 or
For more information, contact the IRS at
Sole Proprietorship: You must file IRS 800-829-1040 if you have questions.
800-829-1040. Federal Form Schedule C along with your
SaleS tax exemption
personal Federal Income Tax return (Form
1040) and any other applicable forms
irS Web productS For Small
certiFicate pertaining to gains or losses in your buSineSSeS
business activity. To provide the most timely and up-to-
If you plan to sell products, you will Partnership: You must file a Federal date tax information, the Small Business
need a Sales Tax Exemption Certificate. It Partnership return (Form 1065). This is Resource Guide (SBRG), formerly a CD-
allows you to purchase inventory, or merely informational to show gross and net ROM, is available exclusively online at
materials, which will become part of the earnings of profit and loss. Also, each http://www.irs.gov/businesses/small/index.
product you sell, from suppliers without partner must report his share of html.
paying taxes. It requires you to charge sales partnership earnings on his individual Designed to equip small business
tax to your customers, which you are Form 1040 based on the information from owners with the skills and knowledge
responsible for remitting to the state. You the K-1 filed with the Form 1065. needed to successfully start and manage a
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 19
employee to lose benefits and considerable
trouble for yourself in back tracking to
uncover the error.
Each payday, your employees must
receive a statement from you telling them
what deductions were made and how
many dollars were taken out for each legal
purpose. This can be presented in a variety
of ways, including on the check as a
detachable portion or in the form of an
envelope with the items printed and spaces
for dollar deductions to be filled in.
If you have any employees, including
officers of a corporation but not the sole
proprietor or partners, you must make
periodic payments of, and/or file quarterly
reports about payroll taxes and other
mandatory deductions. You may contact
these government agencies for information,
business, The SBRG covers a wide range of IRS.gov Now Features Audio and assistance and forms.
tax topics Web links to business forms, Video Social Security Administration
publications, other useful governmental IRS is augmenting its curriculum of 800-772-1213
Web sites, and much more. online learning and educational http://www.ssa.gov
products for the small business community
New IRS Applications Make Tax by developing new live broadcasting, Social Security’s Business Services
Information More Accessible to phone forums and webinars, and offering Online
Small Businesses and the audio and video presentations. The Social Security Administration now
Self-employed provides free electronic services online at:
Maximizing the Web’s convenience, Testing Social Media www.socialsecurity.gov/employer/. Once
accuracy and speed, IRS.gov, IRS’s web site, The IRS is testing social media. We have registered for Business Services Online,
now assists millions of individual launched a YouTube video site at YouTube business owners or their authorized
taxpayers, tax professionals, and small - irsvideos's Channel and an iTunes representative can:
business owners to better understand and podcast to help taxpayers take full • file W-2s online; and
meet their tax responsibilities. advantage of the 2009 tax provisions in the • verify Social Security Numbers through
American Recovery and Reinvestment Act. the Social Security Number Verification
The IRS YouTube channel debuted with Service, used for all employees prior to
Updated Virtual Small Business Tax preparing and submitting Forms W-2.
Workshop seven Recovery videos in English and Federal Withholding
The IRS’s Virtual Small Business Tax American Sign Language and eight in U.S. Internal Revenue Service
Workshop (http://www.tax.gov/virtualwork Spanish plus other languages. 800-829-1040
shop) is an interactive resource to help People without an iTunes account can http://www.irs.gov
small business owners learn about their hear those same podcasts, in English and
federal tax rights and responsibilities. This Spanish, on IRS.gov’s Multimedia Center. Employee Insurance
dynamic educational product, available People can also visit the audio site at If you hire employees you may be
online and on CD 24/7 from your iTunes to listen to IRS podcasts about required to provide unemployment or
computer, consists of nine stand-alone ARRA tax credits. workers’ compensation insurance.
lessons that can be selected and viewed in To get the most timely IRS news and
any sequence. A bookmark feature makes it
possible to leave and return to a specific
information about products and services
for small businesses and the self-employed,
point within the lesson. Users also have subscribe to e-News on IRS.gov at Americans with Disabilities (ADA): For
access to a list of useful online references http://www.irs.gov/businesses/small/article/0, assistance with the ADA, call 800-669-3362
that enhance the learning experience by ,id=154825,00.html, click “Subscribe or visit: http://www.ada.gov.
allowing them to view references and the Now” at the bottom of the page and enter
video lessons simultaneously. your e-mail address. u.S. citizenSHip and
The Virtual Small Business Tax immiGration ServiceS
Workshop is the first of a series of video
products designed exclusively for small
Social SecuritY cardS The Federal Immigration Reform and
All employees must have a social Control Act of 1986 requires employers to
business taxpayers. A new companion
security card. It must be signed by its verify employment eligibility of new
series called, “Your Guide to an IRS Audit” owner, and you should always ask to see
is in development with plans for a summer employees. The law obligates an employer
and personally record the social security
2010 launch. to process Employment Eligibility
number. Failure to do so may cause your
20 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
Verification Form I-9. The U.S. Citizenship
and Immigration Services Office of
bar codinG IRS Programs
The Internal Revenue Service is
Many stores require bar coding on emphasizing its commitment to the small
Business Liaison offers a selection of
packaged products. Many industrial and business community as part of its ongoing
information bulletins and live assistance
manufacturing companies use bar coding modernization effort. In addition, to a wide
through the Employer Hotline. For forms
to identify items they receive and ship. variety of publications and brochures, new
call 800-870-3676, for the Employer Hotline
There are several companies that can assist and existing small business owners in
businesses with bar-coding needs. You may Pennsylvania now have access to electronic
E-Verify: Employment Eligibility want to talk with an SBDC, SCORE or WBC (online) resources to help them understand
counselor for more information. and comply with their federal tax
E-Verify, operated by the Department of
Federal Registration of Trademarks The Small Business Corner on the IRS
Homeland Security in partnership with the Digital Daily web site (www.irs.gov) has the
Social Security Administration, is the best--
Trademarks or service markets are most current tax tips. New small business
and quickest--way for employers to words, phrases, symbols, designs or owners can also order a free copy of Your
determine the employment eligibility of combinations thereof that identify and Business Tax Kit (Publication 3518) by
new hires. It is a safe, simple, and secure distinguish the source of goods. calling 800-829-3676. This kit contains
Internet-based system that electronically Trademarks may be registered at both the various tax forms and publications that are
verifies Social Security number and state and federal level. To register a federal helpful in preparing business tax returns.
employment eligibility information trademark, contact:
reported on Form I-9. E-Verify is voluntary Patent and Trademark Office: Department of Labor
in most states and there is no charge to use P.O. Box 1450 The United States Department of Labor’s
Alexandria, VA 22313-1450 Wage and Hour Division enforces
If you are an employer or employee and numerous federal labor statutes including
would like more information about the the Fair Labor Standards Act (FLSA), which
Trademark Information Hotline encompasses minimum wage, overtime,
E-Verify program, please visit:
703-308-9000 record keeping and child labor. Other
www.dhs.gov/E-Verify or contact our
statues enforced by the Wage & Hour
Customer Support staff: 1-888-464-4218 Division include the Family Medical Leave
Monday – Friday 8 am – 5 pm. State Registration of a Trademark
Trademarks and service marks may be Act (FMLA), the Service Contract Act
E-mail: firstname.lastname@example.org (SCA), the Davis Bacon Act (DBA), Inc. The
registered in a state.
Caution: Federally registered trademarks local contact for the Department of Labor’s
SaFetY & HealtH reGulationS may conflict with and supersede state Wage and Hour Division is John DuMont,
District Director, who can be reached by
All businesses with employees are registered business and product names.
e-mail at: DuMont.John@dol.gov. The
required to comply with state and federal
Patents Department of Labor’s web site is:
regulations regarding the protection of www.dol.gov
employees. The Occupational Safety and A patent is the grant of a property right
to the inventor by the U.S. Patent and Corporation Bureau
Health Administration outlines specific Pennsylvania Department of State
Trademark Office. It provides the owner
health and safety standards adopted by the with the right to exclude others from Commonwealth Avenue & North St.
U.S. Department of Labor. 206 N. Office Bldg.
making, using, offering for sale or selling Harrisburg, PA 17120
Use of hazardous substances in the patented item in the United States.
businesses is highly regulated and there are 717-787-1057
Additional information is provided in www.dos.state.pa.us/corps/site/default.asp
heavy fines for non-compliance. the publications, General Information
Federal Occupational Safety Concerning Patents and other publications
& Health Administration distributed through the U.S. Patent and
To form an S Corporation, a Pennsyl-
Department of Labor Trademark Office. For more information, vania corporation must first apply for
820 First St. N.E. S status. For more information contact the:
Washington, DC 20020 Bureau of Corporation Taxes
U.S. Patent and Trademark Office
202-693-5000 Pennsylvania Department of Revenue
800-786-9199 • http://www.uspto.gov
Specialty Taxes Division
buildinG codeS, permitS and Copyrights
Attn: “S” Corporation
zoninG Copyrights protect original works of
authorship including literary, dramatic,
Harrisburg, PA 17218-0704
It is important to consider zoning 717-787-1064
musical and artistic, and certain other www.revenue.state.pa.us
regulations when choosing a site for your intellectual works. Copyright does not
business. You may not be permitted to protect facts, ideas and systems, although it
conduct business out of your home or may protect the way these things are
engage in industrial activity in a retail expressed. For general information contact:
district. Contact the business license office U.S. Copyright Office
in the city or town where the business is U.S. Library of Congress
James Madison Memorial Building
located. Washington, DC 20559
202-707-9100 - Order Line
202-707-3000 - Information Line
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 21
FINANCING & SURETY BONDS
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
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.
22 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
The SBA expects every loan to be fully
secured, but the SBA will not decline a
request to guaranty a loan if the only
unfavorable factor is insufficient collateral,
provided all available collateral is offered.
What these two policies mean is that every
SBA loan is to be secured by all available
assets (both business and personal) until
the recovery value equals the loan amount
or until all assets have been pledged to the
extent that they are reasonably available.
Personal guaranties are required from all
the principal owners of the business. Liens
on personal assets of the principals may be
intereSt rateS and FeeS (Note: These fees may continue to be eliGibilitY
temporarily lowered for some loans as 7(a) loan eligibility is based on four
The actual interest rate for a loan part of the government efforts to different factors. The first is size, as all loan
guaranteed by SBA is negotiated between promote economic recovery. Check with recipients must be classified as “small” by
the applicant and lender and subject to SBA your local SBA district office for the SBA. The basic size standards are outlined
maximums. Both fixed and variable latest information.)
below. A more in-depth listing of standards
interest rate structures are available. The can be found at: http://www.sba.gov/
maximum rate is comprised of two parts, a 7(a) loan maturitieS services/contractingopportunities/index.html
base rate and an allowable spread. There SBA loan programs are generally select “For Government/Contracting
are three acceptable base rates (Wall Street intended to encourage longer term small Officials” which then leads to a page where
Journal Prime*, London Interbank One business financing, but actual loan you can select “Size Standards.”
Month Prime plus 3 percent, and an SBA maturities are based on the ability to repay,
Peg Rate). Lenders are allowed to add an the purpose of the loan proceeds and the SBA Size Standards:
additional spread to the base rate to arrive useful life of the assets financed. However, • Manufacturing from 500 to no more than
maximum loan maturities have been 1,500 employees
at the final rate. For loans with maturities
• Wholesaling — No more than 100
of less than seven years the maximum established: 25 years for real estate; up to 10
spread will be no more than 2.25 percent. years for equipment (depending on the • Services from $4.5 million to no more
For loans with maturities of seven years or useful life of the equipment); and generally than $33.5 million in average annual
more the maximum spread will be 2.75 up to seven years for working capital. receipts
percent. The spread on loans under $50,000 Short-term loans and revolving lines of • Retailing from $7 million to no more than
and loans processed through Express credit are also available through the SBA to $29.5 million in average annual receipts
help small businesses meet their short-term • General construction from $7 million to
procedures may be higher. no more than $33.5 million in average
and cyclical working capital needs.
Loans guaranteed by SBA are assessed a annual receipts
guaranty fee. This fee is based on the loan’s
maturity and the dollar amount Structure • Agriculture from $750,000 to no more
than $17.5 million in average annual
guaranteed, not the total loan amount. The Most loans are repaid with monthly receipts
guaranty fee is generally paid by the payments of principal and interest. For
borrower and can be included in the loan fixed-rate loans the payments stay the same Nature of Business
proceeds. whereas for variable rate loans the lender The second eligibility factor is based on
can re-establish the payment amount when the nature of the business and the process
On any loan with a maturity of one year
the interest rates change or at other by which it generates income or the
or less, the fee is just 0.25 percent of the
intervals as negotiated with the borrower. customers it serves. The SBA has general
guaranteed portion of the loan. On loans
Applicants can request that the lender prohibitions against providing financial
with maturities of more than one year, the establish the loan with interest-only assistance to businesses involved in such
normal guaranty fee is 2 percent of the SBA payments during the start-up and activities as lending, speculating, passive
guaranteed portion on loans up to $150,000; expansion phases (when eligible) to allow investment, pyramid sales, loan packaging,
3 percent on loans over $150,000 but not the business time to generate income before presenting live performances of a prurient
more than $700,000; and 3.5 percent on it starts making full loan payments. There sexual nature, businesses involved in
loans over $700,000. There is also an are no balloon payments or call provisions gambling and any illegal activity.
additional fee of 0.25 percent on any allowed on any 7(a) loan. The lender may The SBA will also not support non-profit
guaranteed portion over $1 million. not charge a prepayment penalty if the loan businesses, private clubs that limit
* All references to the prime rate refer is paid off before maturity, but the SBA will membership on a basis other than capacity,
to the base rate in effect on the first charge the borrower a prepayment fee if the businesses that promote a religion,
business day of the month the loan loan has a maturity of 15 or more years and businesses owned by individuals
application is received by SBA. is pre-paid during the first three years. incarcerated or on probation or parole,
24 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
municipalities, and situations where the Development Centers, Women’s • Lease details.
business or its owners previously failed to Business Centers and Veterans Business • Amount of investment in the business by
repay a federal loan or federally assisted Outreach Centers. the owner(s).
financing. • Projections of income, expenses and cash
flow as well as the assumptions.
Common requirements include the • Personal financial statements on the
Use of Proceeds following: principal owners.
The third eligibility factor is usage of • Purpose of the loan. • Resume(s) of the principal owners and
proceeds. 7(a) proceeds can be used to: • History of the business. managers.
purchase machinery, equipment, fixtures, • Financial statements for three years
supplies, leasehold improvements, as well (existing businesses).
• Schedule of term debts (existing HoW tHe 7(a) proGram WorkS
as land and/or buildings that will be Applicants submit their loan application
occupied by the business borrower. • Aging of accounts receivable and payable to a lender for the initial review. The lender
Proceeds can also be used to: (existing businesses). will generally review the credit merits of
• Expand or renovate facilities; • Projected opening-day balance sheet the request before deciding if they will
• Finance receivables and augment (new businesses). make the loan themselves or if they will
• Finance seasonal lines of credit;
• Construct commercial buildings; and
• Refinance existing debt under certain
7(a) loan proceeds cannot be used (except
for compensation for services rendered) for
floor plan financing or to have funds for the
purpose of making investments. They also
cannot be used to provide perks to an
owner of the business.
The fourth factor involves a variety of
requirements such as SBA’s credit
elsewhere test and utilization of personal
assets requirements where the business and
its principal owners must use their own
resources before getting a loan guaranteed
by SBA. It also includes SBA’s anti-
discrimination rules and restrictions on
lending to agricultural enterprises because
there are other agencies of the federal
government with programs to fund such
Generally, SBA loans must meet the
• Every loan must be for a sound business
• There must be sufficient invested equity
in the business so it can operate on a
sound financial basis;
• There must be a potential for long-term
• The owners must be of good character
and reputation; and
• All loans must be so sound as to
reasonably assure repayment.
For SBA’s eligibility requirements check:
WHat to take to tHe lender
Documentation requirements may vary;
contact your lender for the information you
must supply. Assistance preparing your
documentation package is available
through SBA and its resource partners,
including SCORE, Small Business
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 25
need an SBA guaranty. If a guaranty is • Patriot Express get financing they might not otherwise
needed, the lender will also review • Export Express obtain.
eligibility, and the applicant should be • Community Express After SBA approval, the lender is notified
prepared to complete some additional For the Standard, Certified and Preferred that its loan has been guaranteed. The
documents before the lender reviews the methods, the applicant fills out SBA Form lender then will work with the applicant to
request to ensure it meets SBA’s 4, and the lender completes SBA Form 4-1. make sure the terms and conditions are met
requirements before sending the request for When requests for guarantees are before closing the loan, disbursing the
guaranty to the SBA. Applicants who feel processed using Express methods, the funds, and assuming responsibility for
they need more help with the process applicant uses more of the regular forms of collection and general servicing. The
should contact their local SBA district office the lender and just has a few federal forms borrower makes monthly loan payments
or one of SBA’s resource partners for to complete. When SBA receives a request directly to the lender. As with any loan, the
assistance. that is processed through Standard or CLP borrower is responsible for repaying the
There are several ways a lender can procedures, it either reanalyzes or reviews full amount of the loan in a timely manner.
apply to the SBA for a 7(a) guaranty from the lender’s eligibility and credit analysis
SBA. The main differences between these before deciding to approve or reject. For What the SBA Looks for:
methods are related to the documentation requests processed through PLP, or Express • Ability to repay the loan on time from the
which the lender provides, the amount of programs, the lender is delegated the projected operating cash flow.
review which SBA conducts, the amount of authority to make the credit decision • Owners and operators who are of good
the loan and the lender responsibilities in without SBA’s concurrences which help character.
expedite the processing time. • Feasible business plan.
case the loan defaults and the business’
In guaranteeing the loan, the SBA assures • Management expertise and commitment
assets must be liquidated. The methods necessary for success.
are: the lender that, in the event the borrower
• Sufficient funds, including the SBA
• Standard 7(a) Guaranty does not repay the loan, the government
guaranteed loan, to operate the business
• Certified Lender Program will reimburse the lending institution for a on a sound financial basis (for new
• Preferred Lender Program portion of its loss. By providing this businesses, this includes the resources to
• Rural Lender Advantage guaranty, the SBA is able to help tens of meet start-up expenses and the initial
• SBA Express thousands of small businesses every year operating phase).
S T O R Y Shaka, Inc. continued from page 7
my grandparents who are Japanese Okinawans the building, which was built on a slag heap, “The SBA is a great starting point because the
immigrated to Hawaii.” he stated. “I wanted to was not secure but evoked a sense of trust with agency can give you tips and leads and you can
make my company about my heritage.” the agency. follow those,” he emphatically stated. “But
For the next 15 years, Morosky worked full- “They gave us more jobs,” Morosky they aren’t going to hand you contracts, you’ve
time as a state trooper while growing his side explained. “In fact, the small jobs we did for got to market yourself.”
business. “I worked 10 days as a trooper and each agency snowballed and we received more While many find the prospect of networking
had four days off in a row, so it was relatively contracts from agencies like the 911th Airlift, the daunting, Morosky said it’s a necessity for
easy for me to develop a schedule and stay on Army Corps of Engineers Pittsburgh District business owners.
track.” and the Veterans Administration Hospitals.” “If you want to own your own business, you
In 2003 Morosky made three defining But Morosky soon realized that the SBA’s have to be outgoing. If you’re in school take
decisions: To retire his badge, turn Shaka, Inc, Historically Underutilized Business Zone public speaking courses. If you’ve graduated,
into a full-time operation and apply for the U.S. (HUBZone) Program would further benefit his speak to church members or a volunteer
Small Business Administration’s (SBA) 8(a) company. group,” he added.
program. “When I was looking at different solicitations In fact, the man who once wanted to be a
The program is the SBA’s effort to promote that I could bid on, I noticed that they were pilot now finds himself on the ground doing a
equal access for socially and economically setting aside work for HUBZone companies,” lot of footwork to secure contracts.
disadvantaged individuals to participate in the he explained. “I did some research and “I shake hands and meet a lot of people,” he
business sector of the nation’s economy. contacted the SBA office and filled out an said. “In fact, I would recommend setting aside
Individuals must commit to nine years, during application.” one day each week where you set a goal to meet
which time they receive business development The HUBZone Program stimulates economic one person and in a year you will have 50
assistance, government opportunities and development and creates jobs in urban and contacts.”
technical support. rural communities by providing federal Morosky’s advice panned out as he recently
According to Morosky, being in the program contracting assistance to small businesses. The was lauded by the SBA as the 2009 Minority
enabled him to get interviewed for potential program establishes preferences for contracts Small Business Person of the Year – an award
contracts posted by federal agencies. awarded to small businesses located in a that has eluded him in the past.
He chuckled and recalled his first job under the HUBZone and certification is awarded for “I’ve been working and working to try and
8(a) program. businesses that employ staff that reside in a win that award and finally did,” he proudly
“It was with the 99th Army Reserve and we HUBZone; and maintain an office in a stated.
had to dig a hole in a concrete floor in the HUBZone. Moroksy offered advice for persons wishing
middle of a building to check and see how According to Morosky, while both the 8(a) to start their own business in these tough
much of the building was moving,” he said. and HUBZone programs have helped his economic times.
“Well, there was a power outage so we rented contracting business, the onus to market his “Once you set a goal, keep after it, if you put
lanterns and worked by lantern light all the firm rested squarely on his shoulders. Morosky forth the effort you will succeed,” he said.
while joking that we were bank robbers.” regularly networks at procurement fairs hoping “There will be setbacks, but, things will work
Their diligence not only helped prove that to secure more government contracts. out.”
26 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
• Adequate equity invested in the business.
• Sufficient collateral to secure the loan or
maturity of the loan. Your local SBA district
office will have a listing of Patriot Express
Special purpoSe 7(a) loan
all available collateral if the loan cannot
be fully secured.
lenders in your area. More information is proGramS
available at: The 7(a) program is the most flexible of
SbaexpreSS http://www.sba.gov/patriotexpress. SBA’s lending programs. The agency has
created several variations to the basic 7(a)
The SBAExpress guaranty is available to
lenders as a way to obtain a guaranty on
communitY expreSS pilot loan program to address the particular financing
smaller loans up to $350,000. The program proGram need of certain small businesses. These
special purpose programs are not
authorizes selected, experienced lenders to The Community Express Pilot Loan necessarily for all businesses but may be
use mostly their own forms, analysis and Program provides streamlined business very useful to some small businesses. They
procedures to process, service and liquidate financing and management and technical are generally governed by the same rules,
SBA-guaranteed loans. The SBA guarantees assistance to small businesses located in regulations, fees, interest rates, etc. as the
up to 50 percent of an SBAExpress loan. distressed or underserved markets. The regular 7(a) loan guaranty. Lenders can
Loans under $25,000 do not require Community Express program is offered
advise you of any variations.
through hundreds of selected SBA lenders
collateral. The use of loan proceeds is the
same as for any basic 7(a) loan. Like most
throughout the nation. Under Community caplines
Express, approved lenders may use The CAPLines program is designed to
7(a) loans, maturities are usually five to
streamlined and expedited loan review and help small businesses meet their short-term
seven years for working capital and up to approval procedures to process SBA-
25 years for real estate or equipment. and cyclical working capital needs. There
guaranteed loans. These lenders may use, are five loan programs under the CAPLines
Revolving lines of credit are allowed for a to the maximum extent possible, their own
maximum of seven years. For a list of umbrella. The programs can be used to
loan analysis, loan procedures, and loan
lenders in your area, contact your local SBA finance seasonal working capital needs;
documentation to process SBA loans to
office at: www.sba.gov/localresources/ finance the direct costs of performing
$250,000. However, borrowers must receive
index.html technical assistance to qualify for this certain construction, service and supply
program. contracts; finance the direct cost associated
patriot expreSS with commercial and residential
construction; finance operating capital by
The Patriot Express pilot loan initiative is
for veterans and members of the military
community wanting to establish or expand
a small business. Eligible military
community members include:
• Service-disabled veterans;
• Active-duty servicemembers eligible for
the military’s Transition Assistance
• Reservists and National Guard members;
• Current spouses of any of the above,
including a servicemember;
• The widowed spouse of a servicemember
or veteran who died during service or of
a service-connected disability.
The Patriot Express loan is offered by
SBA’s widest network of lenders
nationwide and features our fastest
turnaround time for loan approvals. Loans
are available up to $500,000 and qualify for
SBA’s maximum guaranty of 85 percent for
loans of $150,000 or less and 75 percent for
loans over $150,000 up to $500,000. For
loans above $350,000, lenders are required
to take all available collateral.
The Patriot Express loan can be used for
most business purposes, including start-up,
expansion, equipment purchases, working
capital, inventory or business-occupied
Patriot Express loans feature SBA’s
lowest interest rates for business loans,
generally 2.25 percent to 4.75 percent over
prime depending upon the size and
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 27
single location. The USEACs also work
closely with other federal, state and local
international trade organizations. To find
the nearest USEAC, go to:
export WorkinG capital
The SBA’s Export Working Capital
Program assists lenders in meeting the
needs of exporters seeking short-term
export working capital. This program
enables U.S. exporters to obtain loans to
fund their direct export costs. The EWCP
supports single transactions or revolving
lines. The maximum dollar amount of an
export line of credit under this program is
$2 million. SBA guarantees up to 90% of a
loan amount or $1.5 million, whichever is
less. Loan maturities are generally for a
term of 12 months. The guaranty can be
reissued for an additional 12 months
obtaining advances against existing residential or commercial structures. The
purchase of the land can be included if it through a new application process. The
inventory and accounts receivable; and
does not exceed 20 percent of the loan guaranty fee the SBA charges is 0.25 percent
consolidate short-term debt. SBA provides
proceeds. Up to 5 percent of the of the guaranteed amount of the loan for
up to an 85 percent guarantee. There are proceeds can be used for physical the initial 12 months. The borrower
five distinct programs under the CAPLine improvements that benefit the property. negotiates the interest rate and all other fees
umbrella: • The Small Asset-Based Line is a
• The Contract Loan Program is used to with the lender. The program offers flexible
revolving line of credit (up to $200,000)
finance material and labor needs for a that provides short term working terms, low fees and a quick processing
specific contract or contracts. Proceeds capital. These lines are generally used time. For information, see www.sba.gov/
can be disbursed before the work begins. by businesses that provide credit to their services/financialassistance/sbaloantopics/
If used for one contract, it is generally customers. Disbursements are based on SpecialPurposeLoans/ewcp/index.html.
not revolving; if used for more than one the size of a borrower’s accounts Eligibility of Exporter
contract at a time, it can be revolving. receivable and/or inventory. Repayment
The loan maturity is usually based on You must have an operating history of at
comes from the collection of accounts
the length of the contract, but no more receivable or sale of inventory. It does least one year – not necessarily in
than five years. Contract payment must require periodic servicing and exporting. The SBA may waive this
be sent directly to the lender. monitoring of the collateral for which requirement if you have sufficient export
• The Seasonal Line of Credit Program the lender can charge up to two percent trade experience or other managerial
is used to support buildup of inventory, annually to the borrower. experience.
accounts receivable or labor and • The Standard Asset-Based Line is
materials above normal usage for
similar to the Small Asset-Based Line,
seasonal inventory. The business must but for loan amounts over $200,000. It
The foreign buyer must be a
have been in business for a period of 12 does require stricter servicing and creditworthy entity located in an acceptable
months and must have a definite monitoring and the lender may pass foreign country, to both the lender and
established seasonal pattern. The loan these costs along to the borrower. SBA.
may be used over again after a “clean-
up” period of 30 days to finance activity
for a new season. These also may have a export aSSiStance Use of EWCP Proceeds:
• To acquire inventory for export or to be
maturity of up to five years. The trade Financing used to manufacture goods for export.
business may not have another seasonal The SBA has help for existing small • To pay the manufacturing costs of goods
line of credit outstanding but may have for export.
other lines for non-seasonal working
businesses wanting to export goods and
services. • To purchase goods or services for export.
capital needs. • To support standby letters of credit
• The Builders Line Program provides related to export transactions.
financing for small contractors or u.S. export aSSiStance center • For pre-shipment working capital
developers to construct or rehabilitate
residential or commercial property. Loan (uSeac) directly related to export orders.
• For post-shipment foreign accounts
maturity is generally three years but can U.S. Export Assistance Centers, are receivable financing.
be extended up to five years if necessary available through a partnership among
to facilitate sale of the property. Proceeds SBA, U.S. Department of Commerce and
are used solely for direct expenses of Ineligible Use of Proceeds
the Export-Import Bank of the U.S. to • To support the applicant’s domestic sales.
acquisition, immediate construction provide trade promotion and export-
and/or significant rehabilitation of the • To acquire fixed assets or capital goods
finance assistance for small businesses in a for the applicant’s business.
28 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
• To support a sale where the exporter is • To acquire fixed assets or capital goods businesses adversely affected by
not taking title to the goods. for the applicant’s business. competition from imports. This program
• To acquire, equip, or rent commercial • To acquire, equip, or rent commercial allows for an increased maximum dollar
space overseas. space overseas. amount of SBA guaranty outstanding to
• To serve as a warranty letter of credit. • To serve as a Warranty Letter of Credit.
any one business (and affiliates) from $1.5
million to $1.75 million. In order to reach
Collateral Requirements Collateral Requirements the $1.75 million SBA guaranty ceiling, the
• Collateral for the manufacturing sector Same as the SBA EWCP.
typically consists of a first lien on all borrower must have an international trade
export-related inventory and export loan as well as an SBA working capital loan
How to Apply or line of credit. The international trade
related accounts receivable.
A small business exporter seeking a co- loan provides an SBA guarantee up to $1.5
• Collateral for the service sector typically
consists of assignment of proceeds of guaranteed loan must apply to a lender million of a term loan used for the
export-related contracts or purchase that is a participant in SBA’s 7(a) Loan acquisition, construction, renovation,
orders and a first lien on export-related Guaranty Program. PLP and SBAExpress modernization, improvement or expansion
accounts receivable. processing are not permitted. The lender of long-term fixed assets or the refinancing
• Other collateral may be required. must submit a completed Joint Application of an existing loan used for these same
for Working Capital Guarantee and loan purposes. In addition a borrower may
How to Apply package to SBA. SBA evaluates and have a separate working capital loan (term
A small business exporter seeking a processes the application in accordance or line of credit) with a maximum SBA
guaranteed EWCP loan must apply to a with SBA rules for its Export Working guaranty of $1.25 million. When combined,
lender. Capital Program. the maximum SBA guaranty outstanding
to any one business is $1.75 million. The
SBA Ex-Im Bank Co-Guarantee
This is designed to provide small international trade loan SBA guaranty fee and interest rates are the
same as for any standard 7(a) loans.
business exporters the ability to obtain proGram
larger export working capital loans through The program helps small businesses Eligibility of Exporter
the Export Working Capital Program than engaged or preparing to engage in • Applicants must meet the same eligibility
SBA could support alone. This program international trade as well as small requirements for a 7(a) loan.
enables U.S. exporters to obtain loans that
facilitate the export of goods or services.
Under this program, the total export
working capital line, with a 90 percent
guarantee, cannot exceed $2 million. Loan
maturities are generally for a term of 12
months. At the end of the 12-month
maturity, a borrower may reapply for a
new guarantee. The SBA guarantee fee is
0.25 percent of the guaranteed amount of
the loan for the initial 12 months. The
guarantee fee that Ex-Im Bank charges is
0.25 percent on the loan amount that is
guaranteed by them. The borrower
negotiates the interest rate and all other fees
with the lender.
Eligibility of Exporter
The same as for the SBA EWCP Program.
The foreign buyer must be a
creditworthy entity located in an acceptable
country in conformity with the Ex-Im
Bank’s Country Limitation Schedule.
Use of Proceeds
Same as the SBA EWCP.
Ineligible Use of Proceeds
• Goods or services with less than 50
percent U.S. content.
• To support the export of any Defense
Articles or Defense Services.
• To support the applicant’s domestic sales.
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 29
communitY adjuStment and
The Community Adjustment &
Investment Program helps communities
that suffered job losses due to changing
trade patterns following the North
American Free Trade Agreement. The
North American Development Bank has
partnered with the SBA and the U.S.
Departments of Agriculture and the
Treasury to make credit available to
businesses in affected communities to help
create or retain jobs.
• Applicant must establish the loan will
significantly expand or develop an export
Eligible Buyers – The foreign buyer must Sba’S non-7(a) loan proGramS
be a creditworthy entity located in an In addition to the 7(a) Loan Program SBA
market, or the applicant has been acceptable country.
adversely affected by import competition,
has four other non-disaster assistance
and, in addition, the applicant must show programs which can help small businesses
Use of Proceeds gain access to capital and bonding.
that upgrading equipment or facilities • Finance standby letters of credit used for
will improve its competitive position. either bid or performance bonds;
• If eligibility is based on entering or • Finance export development activities dealer Floor plan pilot
expanding export sales, the applicant
must submit a one or two page
such as export marketing and
promotional activities, participation in
international business plan, including foreign trade shows, translation of Under the Dealer Floor Plan Pilot
sufficient information to reasonably product literature for foreign markets, Initiative, which will be available through
support the likelihood of expanded and other activities designed to initiate or Sept. 30, 2010, SBA will guarantee up to
export sales. expand the applicant’s export of its 75 percent of a floor plan line of credit
products/services from the U.S.; between $500,000 and $2 million to eligible
Use of Proceeds • Provide transaction-specific financing for dealers of titleable assets, including, but not
• For facilities or equipment, including limited to, automobiles, motorcycles, boats
• Provide revolving lines of credit for
purchasing land and building(s);
export purposes, the term of which must (including boat trailers), recreational
building new facilities; renovating, not exceed seven years. In some vehicles and manufactured housing
improving, or expanding existing instances, as a normal course of business, (mobile homes). The maximum maturity
facilities; purchasing or reconditioning the borrower may use portions of on revolving lines of credit approved under
machinery, equipment and fixtures; and revolving lines of credit for domestic this pilot initiative will be limited to five
making other improvements that will be purposes, but no less than 70 percent of years.
used within the United States for the revolver to be used for export related Proceeds must be used either for the
producing goods or services. purposes; acquisition of titleable inventory for retail
Collateral Requirements - Collateral • Provide term loans and other financing to
sales or to refinance existing floor plan lines
requirements are the same as for regular enable small business concerns, including
small business export trading companies of credit with another lender. Repayment
7(a) loans. of these lines will occur as the acquired
How to Apply - A small business to develop foreign markets; and
• Acquire, construct, renovate, modernize, inventory is sold. Proceeds may not be
exporter seeking a guaranteed loan must used for any other purpose, including to
improve or expand production facilities
apply to an SBA participating lender. Call or equipment to be used in the U.S. in the refinance any existing same-institution
your local SBA District Office for a list of production of goods or services to be floor plan line of credit.
participating lenders. exported from the U.S.
export expreSS Ineligible Use of Proceeds certiFied development
The Export Express program is designed Proceeds may not be used to finance companY loan proGram
to help SBA meet the export financing overseas operations, other than those
strictly associated with the marketing
needs of small businesses. It is a The 504 Loan Program is an economic
subprogram of SBAExpress and is therefore and/or distribution of products/services
exported from the U.S. development program that supports
subject to the same loan processing, American small business growth and helps
making, closing, servicing, and liquidation communities through business expansion
requirements as well as the same maturity How to Apply
The application process is the same for and job creation. This SBA program
terms, interest rates, and applicable fees as provides long-term, fixed-rate, subordinate
for other SBA loans except as noted below. the SBAExpress, except the applicant must
demonstrate that loan proceeds will enable mortgage financing for acquisition and/or
The total Export Express loan cannot
it to enter a new export market or expand renovation of capital assets including land,
exceed $250,000. SBA guarantees 85
an existing export market. The applicant buildings and equipment. Most for-profit
percent for loans of $150,000 and under and
must submit to the lender a plan that small businesses are eligible for this
75 percent for loans over $150,000 to
includes projected export sales for the program. The types of businesses excluded
$250,000. SBA allows participating lenders
to make their own credit decisions. SBA upcoming year as well as the dollar volume from 7(a) loans (listed previously) are also
provides a quick processing time, less than of export sales for the previous year. excluded from the 504 loan program.
36 hours. Loans are provided through Certified
30 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
Development Companies. CDCs work • Collateral is typically a subordinate lien SEDA-COG Local Development
with banks and other lenders to make loans on the assets financed; allows other assets Corporation
in first position on reasonable terms, to be free of liens and available to secure 201 Furnace Rd.
helping lenders retain growing customers other needed financing. Lewisburg, PA 17837
and provide Community Redevelopment • Long-term real estate loans are up to 20- 570-524-4491 • 570-524-9190 Fax
year term, heavy equipment 10 or 20-year www.sedacogldc.org
term and are self-amortizing.
The SBA 504 loan is distinguished from
the SBA 7(a) loan program in these ways: Businesses that receive 504 loans are:
• Small — net worth under $8.5 million, net
The maximum debenture, or long-term The Microloan Program provides small
profit after taxes under $3 million, or
loan, is: meet other SBA size standards. loans ranging from under $500 to $35,000.
The maximum debenture, or long-term • Organized for-profit. Under this program, the SBA makes funds
loan, is: • Most types of business — retail, service, available to nonprofit intermediaries that,
• $1.5 million for businesses that create a wholesale or manufacturing. in turn, make the loans directly to
certain number of jobs or improve the The SBA’s 504 certified development entrepreneurs, including veterans.
economy of the locality; companies serve their communities by Proceeds can be used for typical business
• $2 million for businesses that meet a financing business expansion needs. Their purposes such as working capital,
specific public policy goal, including professional staffs works directly with machinery and equipment, inventory and
veterans; and leasehold improvements. Interest rates are
borrowers to tailor a financing package that
• $4 million for manufacturers. negotiated between the borrower and the
meets program guidelines and the credit
Recent additions to the program allow $4 intermediary.
capacity of the borrower’s business. For
million for each project that reduces the For more information, go to
information, visit www.sba.gov/services,
borrower’s energy consumption by at least www.sba.gov/services, then choose “SBA
then choose “SBA Loans” from the links in
10 percent; and $4 million for each project the right-hand column. Click on “CDC/504 Loans” from the links in the right-hand
that generates renewable energy fuels, such Program.” column. From there, click on “Micro
as biodiesel or ethanol production. Projects Loans.”
eligible for up to $4 million under one of CERTIFIED DEVELOPMENT COMPANIES
these two requirements do not have to meet Bridgeway Capital
707 Grant St., Ste. 1920
the job creation or retention requirement, so Allegheny-Pittsburgh Business Pittsburgh, PA 15219
long as the CDC portfolio average is at least Development Corporation 412-201-2450 • 412-201-2451 Fax
$50,000. Urban Redevelopment Authority of Counties served: Allegheny, Armstrong,
• Eligible project costs are limited to long- Pittsburgh Beaver, Butler and Indiana counties.
term, fixed assets such as land and 200 Ross St, 11th Fl. www.bridgewaycapital.org
building (occupied by the borrower) and Pittsburgh, PA 15219
substantial machinery and equipment. 412-255-6547 • 412-255-6542 Fax North Central PA Regional Planning &
Working capital is not an eligible use of www.ura.org Development Commission
proceeds. 651 Montmorenci Rd.
• Most borrowers are required to make an Altoona-Blair County Development Ridgway, PA 15853
injection (borrower contribution) of just Corporation 814-773-3162 • 814-772-7045 Fax
10 percent which allows the business to Devorris Center for Business Development Counties served: Cameron, Clearfield, Elk,
conserve valuable operating capital. A 3900 Industrial Park Dr. Jefferson, McKean and Potter counties.
further injection of 5 percent is needed if Altoona, PA 16602 www.ncentral.com
the business is a start-up or new (less 814-944-6113 • 814-946-0157 Fax
than 2 years old) and a further injection of
www.abcdcorp.org Northside Community Development Fund
5 percent is also required if the primary 922 Middle St.
collateral will be a single purpose
Bridgeway Capital Pittsburgh, PA 15212
707 Grant St., Ste. 1920 412-322-0290 • 412-321-1447 Fax
Pittsburgh, PA 15219 County served: Allegheny
• Two-tiered project financing: a lender
412-201-2450 • 412-201-2451 Fax www.nscdfund.org
finances approximately 50 percent of the
Counties served: Allegheny, Armstrong,
project cost and receives a first lien on the Beaver, Butler and Indiana counties.
project assets (but no SBA guaranty); A Northwest PA Regional Planning &
www.bridgewaycapital.org Development Commission
CDC (backed by a 100% SBA-guaranteed
debenture) finances up to 40% of the 395 Seneca St.
Mahoning Valley Economic Development Oil City, PA 16301-1311
project costs secured with a junior lien. Corporation
The borrower provides the balance of the 814-677-4800 • 814-677-7663 Fax
4319 Belmont Ave. Counties served: Clarion, Crawford, Erie,
project costs. Youngstown, OH 44505
• Fixed interest rate on SBA loan. SBA Forest, Lawrence, Mercer, Venango and
330-759-3668 Youngstown Warren counties.
guarantees the debenture 100 percent. 330-369-6026 Warren
Debentures are sold in pools monthly to www.nwcommission.org
private investors. This low, fixed rate is Counties served: Beaver, Lawrence and
then passed on to the borrower and
SEDA-COG Local Development Corp.
Mercer counties. 201 Furnace Rd.
establishes the basis for the loan rate. www.mvedc.com Lewisburg, PA 17837
• All project-related costs can be financed,
570-524-4491 • 570-524-9190 Fax
including acquisition (land and building, Regional Development Funding Counties served: Centre, Clinton, Columbia,
land and construction of building, Corporation Juniata, Lycoming, Mifflin, Montour,
renovations, machinery and equipment) 3856 S. Water St. Northumberland, Perry, Snyder and Union
and soft costs, such as title insurance and Pittsburgh, PA 15203 counties.
appraisals. Some closing costs may be 412-471-1030 • 412-471-3902 Fax www.finance.seda-cog.org
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 31
StartingGate Program, SBA guarantees 90 percent of a
The Progress Center for Business SMALL BUSINESS INVESTMENT surety’s paid losses and expenses on
2750 Constitution Blvd. COMPANIES bonded contracts up to $100,000, and on
Beaver Falls, PA 15010
724-847-6440 • 724-847-6444 Fax Birchmere Ventures bonded contracts greater than $100,000 that
Counties served: Beaver and Lawrence One North Shore Center are awarded for socially and economically
counties. 12 Federal St., Ste. 201 disadvantaged and HUBZone contractors
www.starting-gate.com Pittsburgh, PA 15212 and veterans and service-disabled veteran
412-322-3300 ext. 107 • 412-322-3226 Fax owned small businesses. All other bonds
Washington County Council on www.birchmerevc.com
guaranteed in the Plan A Program receive
an 80 percent guarantee. Sureties must
40 S. Main St., Lower Level
Washington, PA 15301 tHe SuretY bond Guarantee obtain SBA’s prior approval for each bond
724-225-8223 • 724-225-8202 Fax
Counties served: Fayette, Greene,
proGram guarantee issued. Under the PSB Program,
The Surety Bond Guarantee Program is a SBA guarantees 70 percent, but sureties
Washington and Westmoreland counties. may issue, monitor and service bonds
www.washingtoncountypa.org public-private partnership between the
federal government and surety companies without SBA’s prior approval.
For more information on the Surety Bond
Small buSineSS inveStment that provides small businesses with the
bonding assistance necessary for them to Guarantee Program, visit SBA’s Web site at:
companY proGram compete for government and private www.sba.gov/osg.
There are a variety of alternatives to bank contracting opportunities. The guarantee
financing for small businesses. The Small Blair Insurance Services, Inc.
provides the necessary incentive for Bonnie Hand
Business Investment Company Program sureties to bond small businesses that 700 River Ave.
fills the gap between the availability of would otherwise be unable to obtain Pittsburgh, PA 15212
private capital and the needs of small bonding. The program is aimed at small 412-381-9081
businesses. Licensed and regulated by the businesses that lack the combination of
SBA, SBICs are privately owned and working capital and performance track CBIC Insurance
managed investment funds that make record necessary to secure bonding on a 630 Freedom Business Center, Ste.404
capital available to qualifying U.S. small reasonable basis through regular King of Prussia, PA 19406
businesses through investments or loans. commercial channels. 610-354-0400
They use their own funds plus funds Through this program, the SBA
obtained at favorable rates through SBA- guarantees bid, payment, performance and JW Bond Consultants, Inc
6023 A Kellers Church Rd.
guaranteed leverage. SBICs are for-profit necessary ancillary bonds issued by surety Pipersville, PA 18947
firms whose incentive is to share in the companies for individual contracts of up to 215-766-1990
success of a small business. In addition to $2 million. Under the American Recovery
equity and debt investments, SBICs and Reinvestment Act, SBA can guarantee Surety Bond Associates LLC
provide managerial, operational and up to $5 million, and up to $10 million on a 45 E. City Ave., Ste. 493
technical assistance. The SBIC Program federal contract, if the contracting officer Bala Cynwyd, PA 19004
provides funding for a broad range of certifies that the guarantee is in the best
industries and stage of investment, in areas interest of the government. The SBA Westchester Fire Insurance Company -
across the country. Some SBICs invest in a reimburses sureties a predetermined Home Office
particular field or industry while others percentage of losses sustained if a 436 Walnut St.
invest more generally. For more contractor breaches the terms of the WA10G
Philadelphia, PA 19106
information visit: http://www.sba.gov/inv. contract. 215-640-4551
The SBA has two program options
available, the Prior Approval Program For an expanded list of Surety Bonds
(Plan A) and the Preferred Surety Bond agents, visit the SBA web site at:
Program (Plan B). In the Prior Approval www.sba.gov/pa/phil/philsurety.html
U.S. Small Business Administration – Pittsburgh District Office Loan Approvals
Top Ten Most Active Lenders for Fiscal Year 2009 October 1, 2008 through September 30, 2009
Lender # of Loans $ Amount Phone Number Web Address
1. Citizens Bank 55 $3,013,500 412-215-3681 www.citizensbank.com
2. The Huntington National Bank 130 $3,630,500 800-480-2001 www.huntington.com
3. Enterprise Bank 29 $13,802,500 412-487-6048 www.enterprisebankpgh.com
4. First National Bank of Pennsylvania 27 $3,345,100 724-983-6061 www.fnb-online.com
5. First Commonwealth Bank 21 $3,061,800 724-463-5612 www.fcfbbank.com
6. Mercer County State Bank 21 $1,562,100 800-376-7015 www.mcsbank.com
7. National City Bank 20 $3,188,600 N/A not applicable
8. PNC Bank, National Association 17 $5,518,200 412-762-2414 www.pncbank.com
9. S & T Bank 17 $2,942,300 724-978-2708 www.stbank.net
10. Manufacturers and Traders Trust Co. 11 $984,300 570-753-4005 www.mandtbank.com
32 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 33
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
34 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
A more in-depth listing of standards can specifically state the class, or classes, of
be found at www.sba.gov/contracting products for which the waiver is sought.
opportunities/officials/size/index.html. More information on the rule is available
Size Determination gc/programs/gc_waivers_nonmanufacturer.
The Size Determination Program, html.
administered by SBA’s six government
contracting area offices, ensures that only
small firms receive contracts and other
Small buSineSS vendor
benefits reserved exclusively for small databaSe
businesses. When a firm’s claim that it is The SBA works with the integrated
small is challenged, the SBA determines if acquisition community to provide a
the firm, including all of its affiliates, meets database of vendors, including small
established SBA size standards. Size businesses. The Central Contractor
determinations may also be made when Registration System is the primary gateway
requested in connection with other federal
vendor and grantee database for the federal
small business programs.
government. CCR collects, stores and
Additional information is available at the
above “Size Standards” site. disseminates data to support agency
acquisition and grants missions. Both
Nonmanufacturer Waiver Program current and potential federal government
The Small Business Act also contains vendors and grantees are required to
provisions that allow the SBA register in CCR to receive federal contracts
Administrator to waive this requirement or grants. Vendors are required to complete
when there are no small business a one-time registration to provide basic
manufacturers or processors available to information relevant to procurement, grant
supply the product to the federal and financial transactions.
government. The Administrator has Vendors must update or renew their
delegated the authority to make decisions registration at least once a year to maintain
on waivers of the Nonmanufacturer Rule to an active status. The SBA provides the CCR
the Associate Administrator for
with authoritative source information
Government Contracting in the following
cases: regarding certifications under 8(a) Business
• After reviewing a determination by a Development and HUBZone programs and
contracting officer that no small business provides the small business size status
manufacturer or processor can against each North American Industry
reasonably be expected to offer a product Classification code listed in a registrant’s
meeting the specifications (including profile.
period of performance) required of an SBA maintains the Dynamic Small
offeror or by the solicitation; or
Business Search function of the CCR.
• For a product or class of products after
determining that no small business is Businesses profiled on the DSBS can be
available to participate in the federal searched by NAICS codes, keywords,
procurement market. location, quality certification, bonding
These two types of waivers of the rule level, business type, ownership, SBA
are regularly referred to as “individual certification, and by women, minority,
waivers” or “solicitation-specific” and veteran and service-disabled veteran
“class waivers.” ownership. The DSBS serves as a
For the purpose of waivers, a class of marketing tool for small businesses
products is defined based on the Office of because the business profiles in the DSBS
Management and Budget’s North
include information from SBA’s files and
American Industry Classification (NAICS)
Manual and, presently, on the General other available databases plus additional
Service Administration’s Product and business and marketing information on
Service Code Directory. Within each code individual firms.
are subdivisions of products that can be To search the DSBS for small businesses,
considered for waiver. A request for a click on: http://web.sba.gov/pro-net/search/
waiver of class of products should refer to a dsp_dsbs.cfm or select the “Dynamic Small
specific subdivision, or statement of Business Search” at the CCR Web site at:
product, within a code in one of these http://www.ccr.gov.
manuals. Registration in the DSBS is through the
Any individual or organization CCR. For more information on CCR, or to
(government agency, business, association, register, click the CCR Web site. Before
etc.) may request a waiver for a class of registering in CCR, go to the top of the Web
products. The request should be in writing
page and download the handbook which
addressed to the Associate Administrator
for Government Contracting and should contains data for a successful registration.
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 35
Hubzone proGram development of businesses owned and
controlled by one or more socially and
For initial 8(a) Program certification, the
The Historically Underutilized Business economically disadvantaged individuals. net worth of an individual claiming
Zone Program stimulates economic SBA assists these businesses, (during a disadvantage, must be less than $250,000.
development and creates jobs in urban and nine-year tenure in the 8(a) Business For continued 8(a) Program eligibility after
rural communities by providing federal Development Program), to gain access to admission, net worth must be less than
contracting assistance to small businesses. the resources necessary to develop their $750,000. In determining such net worth,
The HUBZone program establishes businesses and improve their ability to SBA will exclude the ownership interest in
preferences for award of federal contracts compete in the mainstream of the the applicant business and the equity in the
to small businesses located in historically American economy. primary residence.
underutilized business zones. Business development assistance
In general, small businesses may obtain includes one-to-one counseling, training
HUBZone certification by employing staff Day-to-Day Management:
workshops, and other management and • Management and daily business
who live in a HUBZone and maintaining a technical guidance required to expand into operations must be controlled by the
“principal office” in one of these specially the federal government contracting arena. disadvantaged individual(s) upon whom
designated areas. The SBA enters into contracts with other eligibility is based.
SBA is responsible for: federal agencies and subcontracts the • The individual(s) must have
• Determining whether or not individual performance of such contracts to eligible management or technical expertise.
concerns are qualified HUBZone small 8(a) program participants. For additional information on the 8(a)
business concerns, and therefore eligible Business Development Program, visit:
to receive HUBZone contracts;
Eligibility Criteria: http://www.sba.gov/aboutsba/sbaprograms/
• Maintaining a list of qualified HUBZone 8abd/index.html.
small business concerns for use by To participate in the 8(a) program, a
acquisition agencies in awarding business must be: Small Disadvantaged Business
contracts under the program; and • a small business
• Adjudicating protests and appeals of • owned by one or more U.S. citizens Certifications
eligibility to receive HUBZone contracts.. • at least 51 percent unconditionally owned To qualify as a small disadvantaged
To qualify for the program, a business and controlled by one or more an business, a firm must be owned and
must meet the following criteria: individual(s) who qualify as socially and controlled by one or more individuals who
• It must qualify as a small business under economically disadvantaged are socially and economically
SBA size standards, corresponding to its • established for two full years before disadvantaged. Congress has directed that
primary industry classification; applying (or qualifying for a waiver of individuals who are members of certain
the two-year rule)
• Its principal office must be located within ethnic groups are presumed to be
a HUBZone, which includes lands on disadvantaged. Other persons, including
federally recognized Indian reservations Social disadvantage: women and persons of any race, can also
and covered by the phrase “Indian Socially disadvantaged is defined as
qualify by establishing their disadvantaged
Country”; individuals who have been subjected to
• It must be owned (at least 51 percent) by racial or ethnic prejudice or cultural bias
one or more U.S. citizens, Community because of their identity as a member of a Firms self-certify as SDB for federal
Development Corporation, an group without regard to their individual prime contracts and federal subcontracts
agricultural cooperative, an Indian tribe; capabilities. The following individuals are without submitting any application to SBA
and presumed to be socially disadvantaged: for SDB certification.
• At least 35 percent of its employees must Black Americans, Native Americans, To self-certify as small disadvantaged
reside in a HUBZone. Hispanic Americans, Asian Pacific businesses, firms should:
Existing businesses that choose to move Americans and Subcontinent Asian 1) Update their Central Contractor
to qualified areas are eligible. To fulfill the Registration (CCR) profile, ensuring they
Americans. An individual who is not a select they are a self-certified Small
requirement that 35 percent of a HUBZone member of one of the groups presumed to Disdavantaged Business; and
firm’s employees reside in a HUBZone, be socially disadvantaged must establish 2) Update their company's Online
employees must maintain a primary individual social disadvantage by a Representation and Certification
residence in a HUBZone for at least 180 preponderance of the evidence. Anyone Application - specifically, the Federal
days or be a currently registered voter in may apply for 8(a) Program certification. Acquisition Regulation clause at 52.219-
that area. For additional information regarding 1(b)(2), entitled “Small disadvantaged
For additional information regarding evidence of social disadvantage, please business concern,” and check the box
the HUBZone Program, please visit: visit: http://www.sba.gov/aboutsba/sba indicating they are a self-certified SDB.
http://www.sba.gov/hubzone. programs/8abd/index.html. Other than its list of certified 8(a) firms,
SBA will no longer maintain a list of
aSSiStance For Small & Economic disadvantage: certified SDB firms. The 8(a) Business
Development Program is not affected by
diSadvantaGed buSineSSeS Economically disadvantaged individ-
uals are socially disadvantaged individuals this rule. Firms may continue to apply for
8(a) business development whose ability to compete in the free- 8(a) Certification.
program enterprise system has been impaired due to
diminished capital and credit opportunities Applying Online For 8(a) Program
The SBA’s Section 8(a) Business as compared to others in the same or Certification
Development Program provides various similar line of business who are not socially Prior to applying for the 8(a) Pro-
forms of assistance (management and disadvantaged. gram, each firm is urged to take an
technical assistance, financial assistance,
government contracting assistance and on-line training and self-evaluation
advocacy support) to foster the growth and course. To get to the course, click on
36 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
http://training.sba.gov:8000/assessment. More information is at: Contracting officers may award a sole-
The first part explains 8(a) Program in http://www.sba.gov/aboutsba/sbaprograms/ source or set-aside contract to a small
detail, ending in an eligibility self- 8abd/grantinfo/index.html. business owned by a service-disabled
assessment test. veteran if:
• The requirement is determined to be
The Mentor-Protégé Program for Service-diSabled, excluded from fulfillment through award
to Federal prison industries, Javits
8(a) Participants veteran-oWned Small Wagner-O’Day, Orders under Indefinite
Through the SBA’s Mentor-Protégé
Program, 8(a) Program participants can
buSineSS Delivery Contracts, Orders against
Federal Supply Schedules, requirents
In May 2004, the Small Business Act currently being performed by 8(a)
receive in-depth business advice to assist
established procurement vehicles for small participants, and Requirements for
them in becoming more competitive in
businesses owned and controlled by commissary or exchange resale items.
obtaining federal government contracts. service-disabled veterans to assist agencies • The requirement is not currently being
The SBA’s Mentor-Protégé Program in achieving the 3 percent governmentwide performed by an 8(a) participant, and
encourages private-sector relationships and goal for procurement from service- unless SBA has consented to release of the
broadens efforts to address the needs of disabled, veteran-owned small businesses. requirement from the Section 8(a)
clients in the 8(a) Program. 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
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:
• Marketing and presentation analysis
• Loan packaging
• Proposal bid preparation
• Feasibility studies
• Industry specific technical assistance
• The identification and development of
new business opportunities
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 37
• SBA has not accepted the requirement for
performance under the 8(a) authority,
Small buSineSS innovation transferred from the laboratory to the
marketplace. The small business profits
unless SBA has consented to release of the
requirement from the Section 8(a)
reSearcH proGram from the commercialization, which, in turn,
The SBIR Program encourages small stimulates the U.S. economy.
businesses to explore their technological
• There is a reasonable expectation that at
potential by reserving a specific percentage
least two responsible SDVO businesses Small businesses must meet the
will submit offers. of federal research and development funds
for small businesses. The program serves following eligibility criteria to participate in
• The award can be made at a fair market
to fund the critical startup and the STTR Program.
development stages for a technology and • Be 51 percent owned and controlled by
one or more individuals who are U.S.
SDVO Sole Source Contracts encourages commercialization of the
citizens or permanent resident aliens in
A contracting officer may award a sole technology, product or service. In turn, this the U.S.
source contract to a SDVO small business if stimulates the U.S. economy. • Be organized for profit.
the officer determines that none of the set- SBIR Requirements: • Principal researchers need not be
aside exemptions or provisions apply and Small businesses must meet the employed by small business.
the anticipated award price of the contract, following eligibility criteria to participate in • Small business must conduct at least 40
the SBIR program. percent of the work.
including options, will not exceed: • Company size cannot exceed 500
• Be 51 percent owned and controlled by
• $5.5 million for manufacturing employees. (No size limit for nonprofit
one or more individuals who are U.S.
requirements research institution).
citizens or permanent resident aliens in
• $3.5 million for all other requirements the U.S. or be a for-profit business The nonprofit research institution partner
• The SDVO small business is a responsible concern that is at least 51 percent owned must also meet certain eligibility criteria:
contractor able to perform the contract and controlled by another for-profit • Be located in the United States and be one
• The award can be made at a fair and business concern that is at least 51 percent of the following:
reasonable price owned and controlled by one or more • Nonprofit college or university.
individuals who are citizens of, or • Domestic nonprofit research
SDVO Simplified Acquisition permanent resident aliens in, the U.S. organization.
• Be organized for profit. • Federally funded R&D center.
Contracts • Principal researcher must be employed • The research institution must conduct at
If a requirement is at or below the by small business. least 30 percent of the work.
simplified acquisition threshold, a • Company size cannot exceed 500
contracting officer may set-aside the employees. Participating Agencies:
requirement for consideration among For more information on the SBIR Each year the following five Federal
SDVO small businesses using simplified Program visit: http://www.sba.gov/aboutsba/ departments and agencies are required by
acquisition procedures, or may award a sbaprograms/sbir/index.html. STTR to reserve a portion of their R&D
sole source contract to a SDVO small funds for award to small
business. More information is available at: Participating Agencies: business/nonprofit research institution
www.sba.gov/gc/indexprograms-vets.html. Each year, the following eleven federal partnerships: Department of Defense;
Veterans and service-disabled veterans departments and agencies are required to Department of Energy; Department of
may participate in all SBA procurement reserve a portion of their R&D funds for Health and Human Services; National
programs. To determine your eligibility, award to small business: Departments of Aeronautics and Space Administration;
contact your local veterans business Agriculture; Commerce; Defense; and National Science Foundation.
development officer in your nearest SBA Education; Energy; Health and Human
district office, visit the various program
Web sites or contact the SBA’s Office of
Services; Homeland Security; tecH-net
Transportation; Environmental Protection TECH-Net is an Internet-based database
Veterans Business Development at: Agency; National Aeronautics and Space
www.sba.gov/vets. of information containing Small Business
Administration; and National Science Innovation Research awards and Small
Foundation. Business Technology Transfer awards.
Service Disabled, Veteran-Owned It is a search engine and electronic
Small Business Protest
The SDVO Protest program is
Small buSineSS tecHnoloGY gateway of technology information and
administered by SBA to ensure that only tranSFer proGram resources for and about small high-tech
businesses. It is a tool for researchers,
businesses owned by service disabled The STTR program reserves a specific scientists, state, federal and local
veterans receive contracts reserved percentage of federal R&D funding for government officials, a marketing tool for
exclusively for them. When a business’s award to small business and nonprofit small firms and a potential “link” to
SDVO self-certification on a contract is research institution partners. Small investment opportunities for investors and
challenged, the SBA determines if the business has long been where innovation other sources of capital.
business meets the status, ownership and and innovators thrive. But the risk and TECH-Net is a free service for those
control requirements. More information is expense of conducting serious R&D efforts seeking small business partners, small
available at: http://www.sba.gov/aboutsba/ can be beyond the means of many small business contractors and subcontractors,
sbaprograms/gc/programs/gc_service_ businesses. Conversely, nonprofit research leading edge technology research, research
disabled.html. laboratories are instrumental in developing partners, (e.g. small businesses,
high-tech innovations. But frequently, universities, federal labs and non-profit
innovation is confined to the theoretical, organizations), manufacturing centers and
not the practical. STTR combines the investment opportunities.
strengths of both entities by introducing TECH-Net is available at:
entrepreneurial skills to high-tech research http://web.sba.gov/technet/docrootpages/
efforts. The technologies and products are index.cfm.
38 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
DISASTER RECOVERY &
diSaSter aSSiStanceKnowing 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:
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/pa/pitt PITTSBURGH Small Business Resource — 39
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
40 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 41
Other Sources of CONGRESSMAN BILL SHUSTER CAMBRIA COUNTY INDUSTRIAL EAST LIBERTY DEVELOPMENT, INC. GOVERNMENT AGENCY
HOUSE OF REPRESENTATIVES DEVELOPMENT CORPORATION 6101 Penn Ave., Ste. 201 COORDINATION OFFICE
Assistance 310 Penn St., Ste. 200 209 S. Center St./P.O. Box 94 Pittsburgh, PA 15206-3019 California University of Pennsylvania
Hollidaysburg, PA 16648 Ebensburg, PA 15931 412-361-8061 • 412-362-3231 F 250 University Ave./P.O. Box 20
SENATORIAL AND CONGRESSIONAL 814-696-6318 814-472-7420 • 814-472-7425 F California, PA 15419
REPRESENTATIVES District: 9 CLIENT SERVICES 724-938-5881 • 724-938-4575 F
Visit the Elected Officials’ web site at CARNEGIE LIBRARY ECONOMIC DEVELOPMENT
www.congress.org/congress OF PITTSBURGH-DOWNTOWN & GREENE COUNTY INDUSTRIAL
org/home/ and enter your zip code Economic Development BUSINESS BRANCH
CORPORATION OF ERIE COUNTY
5240 Knowledge Pkwy.
to identify and contact your Senator Organizations 612 Smithfield St. Erie, PA 16510-4658 49. S. Washington St.
or Congressional Repre-sentative. Pittsburgh, PA 15222 814-899-6022 • 814-899-0250 F Waynesburg, PA 15370
Below is a listing of representatives ALLEGHENY CONFERENCE ON 412-281-7141 • 412-471-1724 F 724-627-9259 • 724-627-6569 F
for western Pennsylvania: COMMUNITY DEVELOPMENT
ECONOMIC GROWTH CONNECTION GREENSBURG COMMUNITY
425 Sixth Ave., Ste. 1100 BIRCHMERE VENTURES
OF WESTMORELAND DEVELOPMENT CORPORATION
SENATOR ARLEN SPECTER Pittsburgh, PA 15219-1811 One North Shore Center
40 N. Pennsylvania Ave. Stark Bldg.
UNITED STATES SENATE 412-392-4555 ext. 3123 12 Federal St., Ste. 210
Ste. 510, 5th Fl. 41 West Otterman St., Ste. 320
Regional Enterprise Tower Pittsburgh, PA 15212
Greensburg, PA 15601 Greensburg, PA 15601
(Old Alcoa Bldg.) ALLEGHENY COUNTY DEPARTMENT 412-322-3300
724-830-3604 • 724-850-3974 F 724-689-0040 • 724-838-4361 F
425 Sixth Ave., Ste. 1450 OF ECONOMIC DEVELOPMENT
Pittsburgh, PA 15219 425 Sixth Ave., Ste. 800 CLARION COUNTY ECONOMIC
DEVELOPMENT CORPORATION ECONOMIC PROGRESS ALLIANCE HILL COMMUNITY DEVELOPMENT
412-644-3400 • 412-644-4871 F Pittsburgh, PA 15219
21 North 6th Ave. OF CRAWFORD COUNTY CORPORATION
412-350-1000 • 412-642-2217 F 2015-17 Centre Ave.
Clarion, PA 16214 764 Bessemer St., Ste. 101
SENATOR ROBERT P. CASEY
814-226-9045 • 814-226-9047 F Meadville, PA 16335 Pittsburgh, PA 15219
UNITED STATES SENATE ALLEGHENY-PITTSBURGH BUSINESS
814-333-2299 • 814-337-8282 F 412-765-1820 • 412-765-1829 F
Regional Enterprise Tower DEVELOPMENT CORPORATION
425 Sixth Ave., Ste. 2490 200 Ross St., 11th Fl. CLARION UNIVERSITY SMALL INDIANA COUNTY OFFICE OF
BUSINESS DEVELOPMENT CENTER ERIE REGIONAL CHAMBER &
Pittsburgh, PA 15219 Pittsburgh, PA 15219 PLANNING AND DEVELOPMENT
330 North Point Dr., Ste. 101 GROWTH PARTNERSHIP
412-803-7370 • 412-803-7379 F 412-255-6547 • 412-255-6542 F 801 Water St.
Clarion, PA 16214 Business Retention & Expansion
Indiana, PA 15701
814-393-2060 • 814-393-2636 F Program
CONGRESSMAN MIKE DOYLE ALLIANCE FOR PROGRESS 724-465-3870 • 724-465-3150 F
208 East Bayfront Pkwy., Ste. 100
HOUSE OF REPRESENTATIVES 764 Bessemer St., Ste. 101
CLEARFIELD COUNTY OFFICE OF Erie, PA 16507 INDIANA COUNTY SMALL
11 Duff Rd. Meadville, PA 16335
ECONOMIC DEVELOPMENT 814-454-7191 • 814-459-0241 F BUSINESS INCUBATOR
Pittsburgh, PA 15235 814-333-2299
412-241-6055 250 Technology Dr., Ste. 1 5 Robertshaw Center
Clearfield, PA 16830 ERIE-DEPART. OF ECONOMIC & Indiana University of Pennsylvania
District: 14 ALTOONA BLAIR COUNTY
814-768-7838 • 814-768-7338 F COMMUNITY DEVELOPMENT Indiana, PA 15705
626 State St. 724-357-2179 • 724-357-4514 F
CONGRESSWOMAN KATHY Devorris Center for Business Dev.
CLEARFIELD FOUNDATION Erie, PA 16501-1128
DAHLKEMPER 3900 Industrial Park Dr.
125 E. Market St./P.O. Box 250 814-870-1270 • 814-870-1443 F INDIANA UNIVERSITY OF
HOUSE OF REPRESENTATIVES Altoona, PA 16602
Clearfield, PA 16830 PENNSYLVANIA SMALL BUSINESS
208 E. Bayfront Pkwy., Ste. 102 814-944-6113 • 814-946-0157 F
814-765-7560 • 814-765-6948 F FAY-PENN ECONOMIC DEVELOPMENT CENTER
Erie, PA 16507
DEVELOPMENT COUNCIL 108 Eberly College of Business
814-456-2038 BEAVER COUNTY CORPORATION
COMMUNITY DESIGN CENTER Two West Main St., Ste. 407 Indiana, PA 15705-1071
District: 3 FOR ECONOMIC DEVELOPMENT
OF PITTSBURGH Uniontown, PA 15401-1701 724-357-7915 • 724-357-5985 F
250 Insurance St., Ste. 300
938 Penn Ave. 724-437-7913 • 724-437-7315 F
CONGRESSMEN JASON ALTMIRE Beaver, PA 15009 INNOVATION WORKS
HOUSE OF REPRESENTATIVES 724-728-8610 Pittsburgh, PA 15222 2000 Technology Dr., Ste. 250
412-391-4144 • 412-391-1282 F FEDERAL RESERVE BANK
2110 McLean St. Pittsburgh, PA 15219-3109
Aliquippa, PA 15001 BEDFORD COUNTY DEVELOPMENT 412-681-1520 • 412-681-2625 F
COMMUNITY DEVELOPMENT Pittsburgh Office
CORPORATION OF BUTLER COUNTY 717 Grant St. INTERNAL REVENUE SERVICE
District: 4 Bedford County Business Center
112 Woody Dr. Pittsburgh, PA 15219 SB/SE Stakeholder Liaison
One Corporate Dr., Ste. 101
Butler, PA 16001 412-261-7947 1000 Liberty Ave., Rm. 610
CONGRESSMAN TIM MURPHY Bedford, PA 15522
HOUSE OF REPRESENTATIVES 814-623-4816 • 814-623-6455 F 724-283-1961 • 724-283-3599 F Pittsburgh, PA 15222
FRANKLIN CENTER OF 412-395-6956 • 412-395-6948 F
504 Washington Rd.
DIVERSITY BUSINESS RESOURCE BEAVER COUNTY
Pittsburgh, PA 15228 BIRCHMERE VENTURES
CENTER 524 Franklin Ave. IRELAND INSTITUTE OF PITTSBURGH
412-344-5583 One North Shore Center
700 River Ave., Ste. 231 Aliquippa, PA 15001 425 Sixth Ave., Ste. 1410
District: 18 12 Federal St., Ste. 210
Pittsburgh, PA 15212 724-378-7422 • 724-378-9809 F Pittsburgh, PA 15219
Pittsburgh, PA 15212 412-394-3900 • 412-394-0502 F
TO BE DETERMINED 412-322-3300 412-322-3272
GANNON UNIVERSITY SMALL
HOUSE OF REPRESENTATIVES
DUBOIS AREA ECONOMIC BUSINESS DEVELOPMENT CENTER JEFFERSON COUNTY DEPARTMENT
647 Main St., Ste. 401 BRIDGEWAY CAPITAL
DEVELOPMENT CORPORATION 120 W. Ninth St. OF DEVELOPMENT
Johnstown, PA 15901 707 Grant St., Ste. 1920
First Commonwealth Bank Bldg. Erie, PA 16501 Jefferson Place
814-535-2642 Pittsburgh, PA 15219
3 South Brady St., Ste. 205 814-871-7232 • 814-871-7383 F 155 Main St., 2nd Fl.
District: 12 412-201-2450 • 412-201-2451 F
DuBois, PA 15801 Brookville, PA 15825
814-371-5010 • 814-371-5005 F GOODWILL OF SOUTHWESTERN 814-849-3047 • 814-849-5049 F
CONGRESSMAN GLENN BUSINESS DEVELOPMENT
THOMPSON Ben Franklin Technology Center JOHNSTOWN AREA REGIONAL
DUQUESNE UNIVERSITY SMALL 2600 E. Carson St.
HOUSE OF REPRESENTATIVES 115 Technology Center INDUSTRIES (JARI)
BUSINESS DEVELOPMENT CENTER Pittsburgh, PA 15203
3555 Benner Pike, Ste 101 University Park, PA 16802-7000 160 JARI Dr.
108 Rockwell Hall, 600 Forbes Ave. 412-481-9005 • 412-481-3668 F
Bellefonte, PA 16823 814-863-4558 • 814-865-0960 F Johnstown, PA 15904
814-353-0215 Pittsburgh, PA 15282 814-266-3844 • 814-266-7624 F
District: 5 412-396-6233 • 412-396-5884 F
42 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
LAWRENCE COUNTY ECONOMIC NORTH CENTRAL PA REGIONAL PENN STATE EXTENSION, SEDA COUNCIL OF GOVERNMENTS THE HISPANIC CENTER, INC.
DEVELOPMENT CORPORATION PLANNING & DEVELOPMENT WESTMORELAND COUNTY 201 Furnace Rd. 808 Ridge Ave., Ste. 211-213
Plaza South, Ste. 100 COMMISSION 214 Donahue Rd., Ste. E Lewisburg, PA 17837 Pittsburgh, PA 15212
100 E. Reynolds St. 651 Montmorenci Ave. Greensburg, PA 15601 570-524-4491 • 570-524-9190 F 412-322-2717 • 412-322-2718 F
New Castle, PA 16101 Ridgway, PA 15853 724-837-1402
724-658-1488 • 724-658-0313 F 814-773-3162 • 814-772-7045 F SETON HILL UNIVERSITY THE PROGRESS FUND
PENN STATE SMALL BUSINESS (E-MAGNIFY) 425 W. Pittsburgh St.
MAHONING VALLEY ECONOMIC NORTH SIDE LEADERSHIP DEVELOPMENT CENTER One Seton Hill Dr. Greensburg, PA 15601
DEVELOPMENT CORPORATION CONFERENCE The Pennsylvania State University Greensburg, PA 15601-1599 724-216-9160 • 724-216-9167 F
4319 Belmont Ave. East Common Professional Bldg. The 329 Bldg., Ste. 417 724-830-4625 • 724-834-7131 F
Youngstown, OH 44505 4 Allegheny Ctr., Ste. 601 University Park, PA 16802 TITUSVILLE COMMUNITY
330-759-3668 • 330-759-3686 F Pittsburgh, PA 15212 814-863-4293 • 814-865-6667 F SMC BUSINESS COUNCILS DEVELOPMENT AGENCIES
412-330-2559 • 412-330-2700 F Westinghouse Research & P.O. Box 425
PENNSYLVANIA DEPARTMENT OF
MANUFACTURER AND BUSINESS NORTHSIDE COMMUNITY BANKING Technology Park Titusville, PA 16354
ASSOCIATION DEVELOPMENT FUND Pittsburgh State Office Bldg., 1382 Beulah Rd., Bldg. 801 814-827-3668 • 814-827-2696 F
2171 W. 38th St. 922 Middle St. 300 Liberty Ave., Rm. 807 Pittsburgh, PA 15235-5068
Erie, PA 16508-1925 Pittsburgh, PA 15212 Pittsburgh, PA 15222 412-371-1500 • 412-371-0460 F U.S. DEPARTMENT OF COMMERCE
814-833-3200 • 814-833-4844 F 412-322-0290 • 412-321-1447 F 412-565-7813 • 412-565-2863 F EXPORT ASSISTANCE CENTER
SOMERSET COUNTY ECONOMIC OF WESTERN PA
MCKEESPORT DEVELOPMENT NORTHWEST PA INDUSTRIAL PENNSYLVANIA WOMEN WORK! DEVELOPMENT COUNCIL 425 6th Ave., Ste. 2950
CORPORATION RESOURCE CENTER 411 Seventh Ave., Ste. 925 125 North Center Ave./P.O. Box 48 Pittsburgh, PA 15219-1854
502 Fifth Ave. 1250 Tower Ln. Pittsburgh, PA 15219 Somerset, PA 15501 412-644-2800 • 412-644-2803 F
McKeesport, PA 15132 Erie, PA 16505 412-281-9270 • 412-281-9279 F 814-445-9655 • 814-443-4610 F
412-664-7000 814-456-6299 • 814-459-6058 F U.S. DEPARTMENT OF HOUSING
PENNTAP - PENNSYLVANIA STATE SOMERSET INC. AND URBAN DEVELOPMENT (HUD)
NORTHWEST PA REGIONAL UNIVERSITY
MINORITY BUSINESS OPPORTUNITY P.O. Box 876 Heinz 57 Bldg., 339 Sixth Ave.
PLANNING & DEVELOPMENT 118 Keller Bldg.
COMMITTEE Somerset , PA 15501 Pittsburgh, PA 15222-2515
COMMISSION University Park, PA 16802
Federal Bldg. 814-443-1748 412-644-6428 • 412-644-6499 F
395 Seneca St. 814-865-0427 • 814-865-3589 F
1000 Liberty Ave., Rm. 401
Oil City, PA 16301
Pittsburgh, PA 15222 SOUTH SIDE LOCAL DEVELOPMENT UNIVERSITY OF PITTSBURGH -
814-677-4800 • 814-677-7663 F PITTSBURGH REGIONAL ALLIANCE
412-395-6067 • 412-395-6071 F COMPANY SMALL BUSINESS DEVELOPMENT
Regional Enterprise Tower
PA DEPARTMENT OF COMMUNITY 2000 E. Carson St. CENTER
425 Sixth Ave., Ste. 1100
MON VALLEY INITIATIVE AND ECONOMIC DEVELOPMENT Pittsburgh, PA 15203 Wesley W. Posvar Hall, Ste. 1800
Pittsburgh, PA 15219-1811
303-305 E. Eighth Ave. Center for Entrepreneurial 412-481-0651 • 412-481-2624 F 230 S. Bouquet St.
877-392-1300 • 412-392-1040 F
Homestead, PA 15120 Assistance Pittsburgh, PA 15260
412-464-4000 • 412-464-1750 F Commonwealth Keystone Bldg. SOUTHERN ALLEGHENIES 412-648-1542 • 412-648-1636 F
4th Fl. PLANNING AND DEVELOPMENT
MON VALLEY PROGRESS COUNCIL Harrisburg, PA 17120-0225 COMMISSION URBAN ERIE COMMUNITY
2000 Technology Dr.
435 Donnor Ave., Ste. 410 717-720-9147 • 717-787-4088 F 541 58th St. DEVELOPMENT CORPORATION
Pittsburgh, PA 15219
Monessen, PA 15062 Altoona, PA 16602 2046 E. 19th St.
412-687-2700 • 412-687-5232 F
724-684-3381 • 724-684-5113 F PA DEPARTMENT OF 814-949-6500 • 814-949-6505 F Erie, PA 16510
ENVIRONMENTAL PROTECTION 814-899-3904 • 814-898-3633 F
REGIONAL DEVELOPMENT SOUTHWESTERN PA COMMISSION
MONESSEN BUSINESS (DEP)
FUNDING CORPORATION 425 Sixth Ave., Ste. 2500
DEVELOPMENT CENTER 400 Waterfront Dr. URBAN LEAGUE
3856 S. Water St. Pittsburgh, PA 15219-1852
435 Donner Ave. Pittsburgh, PA 15222-4745 610 Wood St., 3rd Fl.
Pittsburgh, PA 15203 412-391-5590 • 412-391-9160 F
Monessen, PA 15062 412-442-4000 Pittsburgh, PA 15222
412-471-1030 • 412-471-3902 F
724-684-3260 • 724-684-7688 F 412-227-4802 • 412-227-4870 F
PA DEPARTMENT OF GENERAL SPEDD INCUBATOR NETWORK, INC.
RIVERSIDE CENTER FOR
MOSHANNON VALLEY ECONOMIC SERVICES 1 Williamsburg Pl., Ste. 111
INNOVATION URBAN REDEVELOPMENT
DEVELOPMENT PARTNERSHIP Bureau of Minority & Women Warrendale, PA 15086-7599
Riverside Commons Innovation Ctr. AUTHORITY OF PITTSBURGH
200 Shady Ln. Business Opportunities 724-935-6122 • 724-935-6888 F
700 River Ave., Ste. 531 200 Ross St., 11th Fl.
Philipsburg, PA 16866 700 River Ave., Ste. 234
Pittsburgh, PA 15212 Pittsburgh, PA 15219-2016
814-342-2260 • 814-342-2878 F Pittsburgh, PA 15212 STARTINGGATE
412-322-3523 • 412-322-3513 F 412-255-6547 • 412-255-6542 F
412-442-5872 • 412-442-5873 F 2750 Constitution Blvd.
NATIONAL ASSOCIATION FOR THE SAINT FRANCIS UNIVERSITY SMALL Beaver Falls, PA 15010 USDA - RURAL DEVELOPMENT
ADVANCEMENT OF COLORED PA DEPARTMENT OF GENERAL BUSINESS DEVELOPMENT CENTER 724-847-6440 • 724-847-6444 F 14699 N. Main St. Ext.
PEOPLE SERVICES 117 Evergreen Dr. Meadville, PA 16335
2203 Wylie Ave. Bureau of Procurement Loretto, PA 15940 STEEL VALLEY AUTHORITY 814-336-6155 ext. 114
Pittsburgh, PA 15219 555 Walnut St., 6th Fl. 814-472-3200 • 814-472-3202 F 1112 South Braddock Ave., Ste. 300 814-337-0294 F
412-471-1024 • 412-471-1313 F Harrisburg, PA 17101 Swissvale, PA 15218
717-787-5733 • 717-783-6241 F SAINT VINCENT COLLEGE SMALL 412-342-0534 • 412-342-0538 F USDA - RURAL DEVELOPMENT
NATIONAL ASSOCIATION OF BUSINESS DEVELOPMENT CENTER 226 Donohoe Rd. Ste. 201
WOMEN BUSINESS OWNERS PA DOWNTOWN CENTER 300 Fraser Purchase Rd. TEAM PENNSYLVANIA Greensburg, PA 15601-7470
700 River Ave. 130 Locust St. Aurelius Hall FOUNDATION 724-853-5555 ext. 120
Pittsburgh, PA 15212 Harrisburg, PA 17101-1342 Latrobe, PA 15650 100 Pine St., 9th Fl. 724-837-9762 F
412-828-7891 717-233-4675 • 717-233-4690 F 724-537-4572 • 724-537-0919 F Harrisburg, PA 17101
717-233-1375 VETERANS BUSINESS OUTREACH
NEIGHBORS IN THE STRIP PENN NORTHWEST DEVELOPMENT SCOTTSDALE COMMUNITY & CIVIC CENTER
1212 Smallman St. CORPORATION & INDUSTRIAL ASSOCIATION THE GOVE GROUP Robert Morris University
Mezzanine Office 749 Greenville Rd., Ste. 100 P.O. Box 533 226 Paul St. 600 5th Ave.
Pittsburgh, PA 15222 Mercer, PA 16137-5023 Scottdale, PA 15683 Pittsburgh, PA 15211 Pittsburgh, PA 15219
412-201-4774 • 412-201-1141 F 724-662-3705 • 724-662-0283 F 724-887-9310 412-431-5087 • 412-431-5214 F 412-397-6842 • 412-397-6464 F
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 43
VETERANS LEADERSHIP PROGRAM and investment capital to emerging BUTLER COUNTY CoC & TOURISM GREATER DUBOIS CoC LIGONIER VALLEY CoC
2417 E. Carson St. companies and small, existing 101 East Diamond St., Ste. 116 First Commonwealth Bank Bldg. 120 E. Main St.
Pittsburgh, PA 15203 businesses for the purpose of P.O. Box 1082 Three S. Brady St., Ste. 205 Ligonier, PA 15658
412-481-8200 • 412-481-8202 F creating and retaining high-paying Butler, PA 16003-1082 DuBois, PA 15801 724-238-4200 • 724-238-4610 F
jobs in Pennsylvania. To learn more 724-283-2222 • 724-283-0224 F 814-371-5010 • 814-371-5005 F
WASHINGTON COUNTY COUNCIL about this program, contact Ben MEADVILLE-WESTERN CRAWFORD
ON ECONOMIC DEVELOPMENT Franklin’s main office in State CARMICHAELS AREA COC GREATER HUNTINGDON CoC COUNTY CoC
40 S. Main St., Lower Level College at 814-863-4559, or visit P.O. Box 93 500 Allegheny St. 211 Chestnut St.
Washington, PA 15301 their web site at: Carmichaels, PA 15320 Huntingdon, PA 16652 Meadville, PA 16335
724-225-8223 • 724-225-8202 F www.cnp.benfranklin.org 814-643-1110 • 814-643-1186 F 814-337-8030 • 814-337-8022 F
CHAMBER OF BUSINESS &
WESTERN PENNSYLVANIA Chambers of Commerce INDUSTRY CENTRE COUNTY GREATER JOHNSTOWN-CAMBRIA MERCER AREA CoC
MINORITY SUPPLIER 200 Innovation Blvd., Ste. 150 COUNTY CoC 143 N. Diamond St.
DEVELOPMENT COUNCIL AFRICAN AMERICAN OF CoC State College, PA 16803 245 Market St., Ste. 100 Mercer, PA 16137
Regional Enterprise Tower Regional Enterprise Tower 814-234-1829 • 814-234-5869 F Johnstown, PA 15901 724-662-4185 • 724-662-0211 F
425 Sixth Ave., Ste. 2690 425 Sixth Ave., Ste. 1330 814-536-5107 • 814-539-5800 F
Pittsburgh, PA 15219 Pittsburgh, PA 15219 CLARION AREA CHAMBER OF MON VALLEY REGIONAL CoC
412-391-4423 • 412-391-3132 F 412-392-0610 • 412-392-0612 F BUSINESS AND INDUSTRY GREATER MONESSEN CoC One Chamber Plz., 1st Fl.
21 North Sixth Ave. Eastgate 11, Ste. 154 Charleroi, PA 15022
WESTMORELAND COUNTY ALLEGHENY VALLEY CoC Clarion, PA 16214 Monessen, PA 15062 724-483-3507 • 724-489-1045 F
INDUSTRIAL DEVELOPMENT 1030 Broadview Blvd., Ste. 1 814-226-9161 • 814-226-4903 F 724-684-3200 • 724-684-8470 F
CORPORATION Brackenridge, PA 15014 MONONGAHELA AREA CoC
40 N. Pennsylvania Ave. 724-224-3400 • 724-224-3442 F CLEARFIELD CoC GREATER PITTSBURGH CoC 173 W. Main St.
5th Fl., Ste. 520 125 E. Market St. Regional Enterprise Tower Monongahela, PA 15063
Greensburg, PA 15601 AMBRIDGE AREA CoC Clearfield, PA 16830 425 Sixth Ave., 6th Fl. 724-258-5919
724-830-3061 • 724-830-3611 F 422 Merchant St. 814-765-7567 • 814-765-6948 F Pittsburgh, PA 15219-1811
412-392-4520 • 412-392-4520 F MONROEVILLE AREA CoC
Ambridge, PA 15003-2405
WESTMORELAND COUNTY CORRY AREA CoC 4268 Northern Pike
724-266-3040 • 724-266-3096 F
REDEVELOPMENT AUTHORITY 221 N. Center St. GREENVILLE AREA CoC Monroeville, PA 15146
5th Fl., Ste. 520 Corry, PA 16407 182 Main St./P.O. Box 350 412-856-0622 • 412-856-1030 F
ARMSTRONG COUNTY CoC
40 N. Pennsylvania Ave. 814-665-9925 • 814-665-9925 F Greenville, PA 16125
124 Market St. MOUNT UNION AREA CoC
Greensburg, PA 15601 724-588-7150 • 724-588-2013 F
Kittanning, PA 16201 P.O. Box 12
724-830-3050 • 724-830-3062 F 724-543-1305 • 724-548-2951 F CRANBERRY CoC
GROVE CITY CoC Mount Union, PA 17066
Cranberry Township Muncipal Bldg.
119 S. Broad St. 814-542-9413
WOMENSPLACE BEAVER COUNTY CoC 2525 Rochester Rd., Ste. 200
Grove City, PA 16127
410 9th Ave. 300 South Walnut Ln., Ste. 202 Cranberry, PA 16066 MOUNTAIN LAUREL CoC
724-458-6410 • 724-458-6841 F
McKeesport, PA 15132 Beaver, PA 15009 724-776-4949 • 724-776-5344 F 3782 State Rte. 31 /P.O. Box 154
412-664-7146 • 412-664-1884 F 724-775-3944 • 724-728-9737 F INDIANA COUNTY CoC Donegal, PA 15628
ELLWOOD CITY AREA CoC 1019 Philadelphia St. 724-593-8900 • 724-593-8900 F
How Does a Small PA BEDFORD COUNTY CoC 314 Fifth St. Indiana, PA 15701
137 E. Pitt St. Ellwood City, PA 16117 800-626-2662 • 724-465-3706 F NEW KENSINGTON AREA CoC
Business Fund a BIG 724-758-5501 • 724-758-2143 F
Bedford, PA 15522 858 Fourth Ave.
Idea? 814-623-2233 • 814-623-6089 F
JAPANESE AMERICAN SOCIETY
New Kensington, PA 15068
Ben Franklin Technology Partners ERIE REGIONAL CHAMBER & OF PENNSYLVANIA
724-339-6616 • 724-339-3346 F
CNP provides capital to early-stage GROWTH PARTNERSHIP USX Towers
BELLEFONTE AREA CoC
and established companies who are 208 East Bayfront Pkwy., Ste. 100 600 Grant St., Rm. 444
320 W. High St NORTH EAST AREA CoC
developing an innovative product or Erie, PA 16507 Pittsburgh, PA 15219
Bellefonte, PA 16823 21 South Lake
process. Ben Franklin defines 814-454-7191 • 814-459-0241 F 412-433-5022 • 412-433-5020 F
814-355-2917 • 814-355-2761 F North East, PA 16428
“innovative” as any business concept
JOHNSONBURG CoC 814-725-4262 • 814-725-3994 F
with new, protectable intellectual FAYETTE CoC
BLAIR COUNTY CoC 501 High St.
property, whether patented or not, 65 W. Main St.
The Devorris Center for Bus. Dev. Johnsonburg, PA 15845-1235 NORTH SIDE CoC
that offers a significant competitive Uniontown, PA 15401
3900 Industrial Park Dr., Ste. 12 814-965-4793 809 Middle St.
advantage in the marketplace. The 724-437-4571 • 724-438-3304 F
Altoona, PA 16602 Pittsburgh, PA 15212-4911
program requires the company to KANE CoC
814-943-8151 • 814-943-5239 F FINLEYVILLE AREA CoC 412-231-6500 • 412-321-6760 F
make a cash or in-kind match, 54 Fraley St.
which will be invested in the project P.O. Box 25
BRADFORD AREA CoC Kane, PA 16735-1313 NORTH SUBURBAN CoC
along with the BF funding. When a Finleyville, PA 15332
121 Main St. 814-837-6565 • 814-837-6565 F 547 Lincoln Ave.
company is successful, Ben Franklin 724-348-7610
Bradford, PA 16701 Bellevue, PA 15202
uses the returns from its LATROBE AREA CoC
814-368-7115 • 814-368-6233 F FRANKLIN AREA CoC 412-761-2113
investments to fund additional 326 McKinley Ave., Ste. 102
1259 Liberty St.
projects within Pennsylvania. If your Latrobe, PA 15650
BRENTWOOD-BALDWIN- Franklin, PA 16323-1329 NORTHERN ALLEGHENY COUNTY
are looking to increase your 724-537-2671 • 724-537-2690 F
WHITEHALL CoC 814-432-5823 • 814-437-2453 F CoC
penetration in an existing market or
3501 Brownsville Rd. LAUREL HIGHLANDS CoC 5000 Brooktree Rd.
move into a new one, the Ben GREATER BROWNSVILLE AREA CoC
Pittsburgh, PA 15227 537 W. Main St. Wexford, PA 15090
Franklin Program might be right for 325 Market St.
412-884-1233 • 412-882-0266 F Mount Pleasant, PA 15666-1833 724-934-9700 • 724-934-9710 F
you. There are no fees, points, Brownsville, PA 15417
724-547-7521 • 724-547-5530 F
collateral, or personal guarantees 724-785-5631
BROOKVILLE CoC NORWIN CoC
required as part of our investment LAWRENCE COUNTY CoC
173 Main St., Ste. 100 GREATER CONNELLSVILLE CoC 321 Main St.
program. Ben Franklin Technology 138 W. Washington St.
Brookville, PA 15825 923 W. Crawford Ave. Irwin, PA 15642
PArtners CNP provides operational New Castle, PA 16101
814-849-8448 • 814-849-8455 F Connellsville, PA 15425 724-863-0888 • 724-863-5133 F
assistance, entrepreneurial sup-port, 724-654-5593 • 724-654-3330 F
724-628-5500 • 724-628-5676 F
44 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt
OIL CITY CoC PORT ALLEGANY CoC SALISBURY/ELK LICK CoC STEEL VALLEY CoC WASHINGTON COUNTY CoC
41 Main St. 42 N. Main St., #3 P.O. Box 102 3910 Main St. 20 E. Beau St.
Oil City, PA 16301 Port Allegany, PA 16743 Salisbury, PA 15558 Munhall, PA 15120 Washington, PA 15301-4765
814-676-8521 • 814-676-8185 F 814-642-2526 • 814-642-5095 F 814-662-4185 412-461-4141 • 412-461-9804 F 724-225-3010 • 724-228-7337 F
PENN HILLS CoC PUNXSUTAWNEY CoC SHADYSIDE CoC STRONGLAND CoC WAYNESBURG AREA CoC
13049 Frankstown Rd. 102 W. Mahoning St. 5541 Walnut St. 1129 Industrial Park Rd. 143 E. High St.
Pittsburgh, PA 15235 Punxsutawney, PA 15767 Pittsburgh, PA 15232 Box 10, Ste. 108 Waynesburg, PA 15370
412-795-8741 • 412-795-7993 F 814-938-7700 • 814-938-4303 F 412-682-1298 Vandergrift, PA 15690-9646 724-627-5926 • 724-627-8017 F
724-845-5426 • 724-845-5428 F
PETERS TOWNSHIP CoC REGIONAL CHAMBER ALLIANCE SHENANGO VALLEY CoC
3909 Washington Rd. WESTMORELAND CoC
201 Lysle Blvd. 41 Chestnut St. TITUSVILLE AREA CoC
P.O. Box 991 241 Toll Gate Hill Rd.
McKeesport, PA 15132 Sharon, PA 16146 202 W. Central Ave.
McMurray, PA 15317-0991 Greensburg, PA 15601
412-678-2450 • 412-678-2451 F 724-981-5880 • 724-981-5480 F Titusville, PA 16354
724-941-6345 • 724-942-2345 F 724-834-2900 • 724-837-7635 F
814-827-2941 • 814-827-2914 F
PITTSBURGH AIRPORT AREA CoC REYNOLDSVILLE CoC SOMERSET COUNTY CoC WILKINSBURG CoC
TYRONE AREA CoC
850 Beaver Grade Rd. 460 E Main St., #4 601 N. Center Ave. 730 Penn Ave.
1004 Logan Ave.
Moon Township, PA 15108-2398 Reynoldsville, PA 15851 Somerset, PA 15501-1025 Wilkinsburg, PA 15221
Tyrone, PA 16686
412-264-6270 • 412-264-1575 F 814-653-8270 • 814-653-8200 F 814-445-6431 • 814-443-4313 F 412-242-0234 • 412-243-1404 F
814-684-0736 • 814-684-6070 F
PITTSBURGH METROPOLITAN AREA RIDGWAY-ELK COUNTY CoC SOUTH HILLS CoC UPPER ST. CLAIR CoC ZELIENOPLE-HARMONY CoC
HISPANIC CoC 300 Main St. Manor Oak One, Ste. 140 P.O. Box 12619 111 W. New Castle St./P.O. Box 464
6 Loop St., Ste. 4 Ridgway, PA 15853 1910 Cochran Rd. Upper St. Clair, PA 15241 Zelienople, PA 16063
Pittsburgh, PA 15215 814-776-1424 • 814-772-9150 F Pittsburgh, PA 15220 412-833-9111 724-452-5232 • 724-452-5712 F
412-784-1355 • 412-291-3367 F 412-833-1177 • 412-306-8093 F
SAINT MARYS AREA CoC WARREN COUNTY CHAMBER OF
POINT MARION CoC SOUTH WEST COMMUNITIES COC BUSINESS AND INDUSTRY
53 S. Saint Marys St.
200 Penn St./P.O. Box 157 990 Washington Pike 308 Market St.
Saint Marys, PA 15857
Point Marion, PA 15474 Bridgeville, PA 15017 Warren, PA 16365
814-781-3804 • 814-781-7302 F
724-725-5717 • 724-725-5205 F 412-221-4100 • 412-257-1210 F 814-723-3050 • 814-723-6024 F
ALLEGHENY-PITTSBURGH BRANCH BANKING AND TRUST CIT SMALL BUSINESS LENDING CLEARVIEW FEDERAL CREDIT COMVEST EXPORT FINANCE
BUSINESS DEV. CORP. 52586 James B. White Hwy. N. CENTER UNION COMPANY
Urban Redevelopment Authority Whiteville, NC 28472 PMB 1200 8805 University Blvd. 735 Genesis Blvd., Ste. 202
of Pittsburgh 800-226-5228 4017 Washington Rd. Moon Township, PA 15108-2580 Bridgeport, WV 26330
200 Ross St., 11th Fl. McMurray, PA 15317-2520 412-507-5174 • 412-269-7829 F 304-842-6214 • 304-842-6217 F
Pittsburgh, PA 15219 BRIDGEWAY CAPITAL 724-743-1791 • 724-743-1792 F
412-255-6547 • 412-255-6542 F 707 Grant St., Ste. 1920 CNB BANK DOLLAR BANK FSB
Pittsburgh, PA 15219 CITIZENS BANK Market & Second Sts. Three Gateway Center
ALLEGHENYVALLEY BANK 412-201-2450 • 412-201-2451 F 153-2860 P.O. Box 42 10 West
OF PITTSBURGH 525 William Penn Pl. Clearfield, PA 16830-0042 Pittsburgh, PA 15222
5137-39 Butler St. BUSINESS LENDERS LLC Pittsburgh, PA 15219-1728 814-765-9621 • 814-765-4511 F 412-261-8130 • 412-261-8825 F
Pittsburgh, PA 15201-2699 15 Lewis St. 412-867-2510 • 412-566-7113 F
412-781-1464 • 412-781-6474 F Hartford, CT 06103 CNB BANK EAGLEBANK
860-244-9202 • 860-244-9303 F CITIZENS NATIONAL BANK 1574 Beeline Hwy. 7815 Woodmont Ave.
ALTOONA FIRST SAVINGS BANK 135 Center St./P.O. Box 29 Dubois, PA 15801 Bethesda, MD 20814
203 N. Logan Blvd. C&G SAVINGS BANK Meyersdale, PA 15552-0029 814-375-6800 • 814-375-6812 F 301-986-1800 • 301-718-8973 F
Altoona, PA 16602 1201 Twelfth St. 814-634-5941 • 814-634-0052 F
814-943-5411 • 814-943-4631 F Altoona, PA 16601 COMMERCE BANK/CENTRAL, N.A. ELDERTON STATE BANK
814-944-2011 • 814-949-6165 F CITIZENS & NORTHERN One Royal Rd. 143 N. Main St./P.O. Box 427
ALTOONA-BLAIR COUNTY 135 E. Fourth St. Flemington, NJ 08822 Elderton, PA 15736
DEVELOPMENT CORP. CENTRA BANK - SMITHFIELD Emporium, PA 15834 908-806-6200 • 908-806-7466 F 724-354-2111 • 724-354-2060 F
Devorris Center for Business Dev. 69 Main St. 814-486-1112 • 814-486-1667 F
3900 Industrial Park Dr. Smithfield, PA 15478 COMMERCIAL BANK & TRUST OF PA ENTERPRISE BANK
Altoona, PA 16602 724-569-9510 • 724-569-4860 F CLARION COUNTY COMMUNITY 900 Ligonier St./P.O. Box 429 4091 Mt. Royal Blvd.
814-944-6113 • 814-946-0157 F BANK Latrobe, PA 15650 Allison Park, PA 15101
CHARLEROI FEDERAL 333 W. Main St. 724-539-3501 • 724-532-2973 F 412-487-6048 • 412-487-4622 F
AMERISERV BANK 101 McKean Ave./P.O. Box 209 Clarion, PA 16214
734 S. Atherton St. Charleroi, PA 15022 814-226-6000 • 814-226-6200 F COMMUNITY BANK N.A. ERIE FEDERAL CREDIT UNION
State College, PA 16801 724-483-3566 • 724-483-4608 F 90 W. Chestnut St. 1109 E. 38th St.
814-235-0690 • 814-235-2697 F CLEARFIELD BANK & TRUST Washington, PA 15301 Erie, PA 16504
CIT SMALL BUSINESS LENDING COMPANY 724-225-2400 • 724-225-4903 F 814-825-2436 • 814-825-2046 F
AMERISERV FINANCIAL CENTER P.O. Box 171
216 Franklin St. 1 CIT Dr. Clearfield, PA 16830-0171 COMMUNITY FIRST BANK
600 Lawrence Ave.
Johnstown, PA 15901 Livingston, NJ 07039 814-765-7551 • 814-765-2943 F 444 Main St./P.O. Box130
Ellwood City, PA 16117
800-837-2265 • 814-533-5107 F 973-422-6109 • 973-422-6136 F Reynoldsville, PA 15851-0130
724-758-5584 • 724-758-6511 F
814-653-8233 • 814-653-2885 F
Visit us online: www.sba.gov/pa/pitt PITTSBURGH Small Business Resource — 45
EUREKA BANK HOME SAVINGS & LOAN MARS NATIONAL BANK PROGRESSIVE BANK, NA THE PROGRESS FUND
3455 Forbes Ave. at McKee Pl. COMPANY P.O. Box 927 875 National Rd. 425 W. Pittsburgh St.
Pittsburgh, PA 15213-3253 275 Federal Plaza W. Mars, PA 16046-0927 Wheeling, WV 26003 Greensburg, PA 15601
412-681-8400 • 412-681-6625 F P.O. Box 1111 724-625-1555 • 724-625-9400 F 304-233-0060 • 304-233-9435 F 724-216-9160 • 724-216-9167 F
Youngstown, PA 44501-1111
FARMERS NATIONAL BANK OF 330-742-9869 • 330-742-0562 F MERCER COUNTY STATE BANK REGIONAL DEVELOPMENT UNITED AMERICAN SAVINGS
EMLENTON 3279 S. Main St./P.O. Box 38 FUNDING CORPORATION BANK
612 Main St./P.O. Box D HUNTINGTON NATIONAL BANK Sandy Lake, PA 16145 3856 S. Water St. 1812 E. Carson St.
Emlenton, PA 16373-0046 156 7th Ave. WE3200 724-376-7015 • 724-376-3357 F Pittsburgh, PA 15203 Pittsburgh, PA 15203
724-867-2311 • 724-867-1614 F South Charleston, WV 25303 412-471-1030 • 412-471-3902 F 412-431-9191 • 412-431-4025 F
304-348-5044 • 877-721-0306 F NEXTIER BANK
FIDELITY BANK P.O. Box 350 RELIANCE SAVINGS BANK US BANK – SBA DIVISION
1014 Perry Hwy. INDIANA FIRST SAVINGS BANK Evans City, PA 16033 11921 Pleasant Valley Blvd. 9918 Hilbert St.
Pittsburgh, PA 15237-2105 935 Philadelphia St. 724-538-2215 • 724-935-2228 F Altoona, PA 16602 San Diego, CA 92131
412-367-3300 • 412-364-6504 F Indiana, PA 15701-3937 814-949-6284 • 814-296-2266 F 888-SBA-EZ4U (722-3948)
724-349-2810 • 724-349-8112 F NITTANY BANK
FIFTH THIRD BANK
1900 S. Atherton St. S&T BANK VALLEY NATIONAL BANK
707 Grant St., 21st Fl.
JERSEY SHORE STATE BANK State College, PA 16801 309 Main St./P.O. Box 489 1334 U.S. Hwy. 22 E.
Pittsburgh, PA 15219
P.O. Box 66 814-272-3041 • 814-867-1277 F Irwin, PA 15642-0489 North Plainfield, NJ 07060
412-291-5401 • 412-291-5411 F
Spring Mills, PA 16875-0066 724-978-2708 • 724-863-3069 F 908-561-0271 • 908-753-9817 F
FIRST COMMONWEALTH BANK 814-422-8836 • 814-422-0335 F NORTH CENTRAL PA REGIONAL
601 Philadelphia St./P.O. Box 400 PLANNING & DEVELOPMENT S&T BANK WACHOVIA SMALL BUSINESS
Indiana, PA 15701-0400 KISH BANK COMMISSION P.O. Box 247 CAPITAL
800-711-2265 State College Region 651 Montmorenci Ave. Dubois, PA 15801 301 S. College St., NC 0668
1600 University Dr., Ste. 300 Ridgway, PA 15853 814-375-3815 • 814-375-3854 F Charlotte, NC 28288
FIRST NATIONAL BANK OF LILLY State College, PA 16801 814-773-3162 • 814-772-7045 F 704-374-2097 • 704-374-2148 F
500 Main St. 814-861-7400 • 814-861-5675 F S&T BANK
Lilly, PA 15938-0034 NORTHSIDE COMMUNITY 7660 Saltsburg Rd. WASHINGTON COUNTY COUNCIL
814-886-2320 • 814-886-2383 F KISH BANK DEVELOPMENT FUND Pittsburgh, PA 15239 ON ECONOMIC DEVELOPMENT
1961 S. Atherton St. 922 Middle St. 412-798-3318 • 412-798-3310 F 40 S. Main St., Lower Level
FIRST NATIONAL BANK OF State College, PA 16801 Pittsburgh, PA 15212 Washington, PA 15301
PENNSYLVANIA 814-861-5500 • 814-861-4194 F 412-322-0290 • 412-321-1447 F SCOTTDALE BANK & TRUST 724-225-8223 • 724-225-8202 F
4140 E. State St. COMPANY
Hermitage, PA 16148 M&T BANK NORTHWEST PA REGIONAL 150 Pittsburgh St./P.O. Box 80 WASHINGTON FEDERAL SAVINGS
724-983-6061 • 724-983-6033 F One M&T Plz., 17th Fl. PLANNING & DEVELOPMENT Scottdale, PA 15683-0080 BANK
Buffalo, NY 14203 COMMISSION 724-887-8330 • 724-887-3836 F P.O. Box 0511
FIRST NATIONAL BANK OF PORT
716-839-8738 • 716-839-8777 F 395 Seneca St. Washington, PA 15301
Oil City, PA 16301-1311 SEDA-COG LOCAL DEVELOPMENT 724-222-3120 • 724-225-8642 F
64 Main St./P.O. Box 99
MAHONING VALLEY ECONOMIC 814-677-4800 • 814-677-7663 F CORP.
Port Allegheny, PA 16743-1345
DEVELOPMENT CORPORATION 201 Furnace Rd. WELLS FARGO
814-642-2531 • 814-642-7372 F NORTHWEST SAVINGS BANK
4319 Belmont Ave. Lewisburg, PA 17837 1455 W. Lake St., Ste. 306
Youngstown, OH 44505 429 Washington Ave., Ste. 3 570-524-4491 • 570-524-9190 F Minneapolis, MN 55408
FIRST NATIONAL COMMUNITY Bridgeville, PA 15017
330-759-3668 • 330-759-3686 F 612-667-2753 • 612-316-2322 F
BANK 412-221-6787 • 412-221-5084 F SOMERSET TRUST COMPANY
P.O. Box 796
MAIN STREET BANK 151 W. Main St./P.O. Box 777 WESBANCO
East Liverpool, OH 43920 NORTHWEST SAVINGS BANK
2001 Main St. Somerset, PA 15501-0777 6 S. Main St.
330-385-9200 • 330-386-7452 F 532 Lincoln Ave.
Wheeling, WV 26003 814-443-9256 • 814-443-9252 F Washington Trust Bldg.
304-232-2001 • 304-233-4653 F Pittsburgh, PA 15202 Washington, PA 15301
FIRST SUMMIT BANK 412-734-2700 • 412-734-2310 F SOUTHERN ALLEGHENIES 724-225-4220 • 724-225-8955 F
125 Donald Ln./P.O. Box 5480
MAIN STREET BANK PLANNING & DEVELOPMENT
Johnstown, PA 15904 PARKVALE SAVINGS BANK
1010 Commerce St. COMMISSION WEST AIRCOMM FEDERAL CREDIT
814-262-4000 • 814-269-4612 F 4220 William Penn Hwy.
Wellsburg, WV 26070 541 58th St. UNION
304-737-2345 • 304-737-9299 F Monroeville, PA 15146 Altoona, PA 16602 485 Buffalo St.
FIRST UNITED NATIONAL BANK 412-373-7200 • 412-374-8235 F 814-949-6500 • 814-949-6505 F Beaver, PA 15009
P.O. Box 7
MAINLINE NATIONAL BANK 724-775-6640• 724-775-9635 F
Fryburg, PA 16326-0007 PNC BANK
325 Industrial Park Rd. SOVEREIGN BANK
814-354-7311 • 814-354-7372 F (Govn't Sponsored Lending)
P.O. Box 660 3 Terry Dr., Ste. 101 WEST VIEW SAVINGS BANK
Ebensburg, PA 15931 126 Easton Rd., Ste. 200 Newtown, PA 18940 2566 Brandt School Rd.
FIRSTMERIT BANK, N.A. Willow Grove, PA 19090
814-472-5400 • 814-472-7683 F 215-497-8573 • 215-497-8575 F Wexford, PA 15090
25 N. Mill St. 215-658-5053 • 215-658-5054 F 724-935-7400 • 724-935-2910 F
New Castle, PA 16101
MANOR NATIONAL BANK SOVEREIGN BANK
724-657-6691 • 724-656-8066 F PNC BANK
83 Race St. 4001 Perkiomen Ave. ZIONS BANK
Manor, PA 15665-0627 (Govn't Sponsored Lending) Reading, PA 19606 2460 S. 3270 W.
HAMLIN BANK & TRUST One PNC Plaza
724-863-5510 • 724-863-3384 F 610-779-5200 • 610-779-9072 F West Valley City, UT 84119
COMPANY 249 Fifth Ave. 800-748-5473 • 801-956-3814 F
333 W. Main St./P.O. Box 367 Pittsburgh, PA 15222
MARION CENTER BANK STANDARD BANK
Smethport, PA 16749-1537 412-762-2414 • 412-705-3505 F
501 Main St./P.O. Box 195 2640 Monroeville Blvd.
814-887-5555 • 814-887-2478 F
Marion Center, PA 15759-0195 Monroeville, PA 15146
724-397-5582 • 724-397-0010 F PNC BANK (NORTHWEST) 412-856-0350 • 412-856-0359 F
901 State St.
Erie, PA 16553
814-871-9528 • 814-871-9108 F
46 — Small Business Resource PITTSBURGH Visit us online: www.sba.gov/pa/pitt