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Help for Small Businesses in Pittsburgh

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  Small Business
  Start, Grow
  and Succeed
  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 •

                                                       2010 PITTSBURGH                     President/CEO
                                                                                           Joe Jensen         

    FEATURES                                                                               English Small Business Resource Advertising
                                                                                           Nicky Harvey   

     4         Introduction                      39     Disaster Recovery
                                                                                           Martha Theriault
                                                                                           John Beward
               • 4 Administrator’s Letter               There are several types of
                                                        assistance available to
               • 6 Director’s Message
                                                        qualified applicants.

     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
                                                                                           Customer Service.
               about setting up, marketing              research for the small business
                                                        owners.                            Director
               and managing the revenue of
                                                                                           Laura Fox  
               your business.
                                                 42     Other Sources of                   Editorial Content
                                                                                           Robert Dillier
     17        Regulations                              Chambers of Commerce can be
                                                                                           Graphic Design
               Common requirements that                 a vital resource for the small     Shellehamer
                                                        business owner.
               affect small businesses.                                                    SBA’s participation in this publication is not an
                                                                                           endorsement of the views, opinions, products or
                                                 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
               of programs.
                                                  “Everything you need to know             SBA Publication # MCS-0018

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

2 — Small Business Resource   PITTSBURGH                                                                           Visit us online:
                                             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 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:
                                                     Message From The District Director

SBA Staff Listing
                                                                                  Rules For Success                                                              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     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     Ext. 106                                                                     you face the daily challenges of running or
                                                                        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      resources to help them face these challenging
Ext. 114                                                                                               available to small businesses.
                                                     economic times. In the Western Pennsylvania    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           unique challenges, but the resources are
                                                                                                       disaster assistance, and technical assistance.
Ext. 123                                             available to all of them.      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   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.    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: or
                                                     Technical Assistant Centers (PTAC), USDA
Public Information
                                                     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                                   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:
                                                                                                                 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 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:
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
 roadways.                                             supervisor.
    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’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:                                                                                      PITTSBURGH Small Business Resource —   7

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

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

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

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

Visit us online:                                                                        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
           Lawrence                                                             Clearfield
                                                                                                                      11.   Clearfield SCORE Location
                                         Armstrong                                            5                 10    12.   Erie SCORE Chapter
           Beaver                                                                                                     13.   Huntingdon SCORE Location
                       2 8
                                                        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
                                    Fayette                 Somerset

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         
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                 
business that is experiencing problems, are                                     814-234-9415 • 814-234-9415 Fax
ready to expand, or need some other type                                                            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                                                    
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
                                                                                                   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:
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
   SBDCs assist with development of            
                                                  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,                
disaster recovery assistance and market                 
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

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:                                                              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:
                                                                                   • 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:
                                                                                  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:            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
                                                       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                                                               before deciding on the one that's right for
                                                      • Are you a self-starter? It will be entirely
ents/sba_program_office/sba_ro_do_wbc.pdf                                                                you.
                                                        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                                                                                   agreement. For many, this is the chief                                   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:
                                                        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:
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:                                                                      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,
    legal structure.
                                                  majority owners of about a third of the         counseling and mentoring, pre-business
  • List the skills and experience you bring to
    the business.
                                                  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     
  • 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-
  • 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:
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:
   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:

Compliance Assistance and
Strategic En-vironmental
   Don’t let government regulations
manage your business. Smart management
of your environmental concerns not only

Visit us online:                                                                   PITTSBURGH Small Business Resource —   15
discarded.      Using      Material         Trader,                                                   programming as a result of being, 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.              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:
                                                                                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.                                                               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
                                                      Center Program
                                                        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:

                    knoWinG tHe ruleS
                                 Paying Attention to Detail Can Save Time and Money
                                                                                                 Sole Proprietorship
                                                                                                    One person operating a business as an
                                                                                                 individual is a sole proprietorship. It’s the
                                                                                                 most common form of business
                                                                                                 organization. Profits are taxed as income to
                                                                                                 the owner personally. The personal tax rate
                                                                                                 is usually lower than the corporate tax rate.
                                                                                                 The owner has complete control of the
                                                                                                 business, but faces unlimited liability for its
                                                                                                 debts. There is very little government
                                                                                                 regulation or reporting required with this
                                                                                                 business structure.

                                                                                                 General Partnership
                                                                                                    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 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.’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:                                                                      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                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
                                                  your business.
   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                                                      Community Web site at:
                                                  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:
  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,   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
                                                                 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
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:                                                                       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.

                                                                                                 emploYee conSiderationS
                                                                                                    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 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           
                                                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                    Once
accuracy and speed,, 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 (        Spanish plus other languages.                       800-829-1040
shop) is an interactive resource to help          People without an iTunes account can    
small business owners learn about their         hear those same podcasts, in English and
federal tax rights and responsibilities. This   Spanish, on’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,
                                                                                                 Workplace proGram
point within the lesson. Users also have        subscribe to e-News on at                   Americans with Disabilities (ADA): For
access to a list of useful online references,   assistance with the ADA, call 800-669-3362
that enhance the learning experience by         ,id=154825,00.html, click “Subscribe             or visit:
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:
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
call 800-357-2099.
                                                 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
Verification                                                                                      responsibilities.
    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 ( has the
Social Security Administration, is the best--
                                                 and Copyrights
                                                    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
it.                                                  800-786-9199
    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 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:                                                                          (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: The
required to comply with state and federal
                                                 Patents                                          Department of Labor’s web site is:
regulations regarding the protection of                                                 
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   
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:
                                                 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 •
                                                                                                     Specialty Taxes Division
buildinG codeS, permitS and                      Copyrights
                                                                                                     Attn: “S” Corporation
                                                                                                     Department 280704
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   
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:                                                                       PITTSBURGH Small Business Resource —   21
                                            FINANCING & SURETY BONDS

                    GettinG approved
                               Financing Options to Start or Grow Your Business
                                                                                                      The SBA guaranty reduces the lender’s
                                                                                                  risk of borrower non-payment. If the
                                                                                                  borrower defaults, the lender can request
                                                                                                  SBA to pay the lender that percentage of the
                                                                                                  outstanding balance guaranteed by SBA.
                                                                                                  This allows the lender to recover a portion
                                                                                                  from SBA of what it lent if the borrower
                                                                                                  can’t make the payments. The borrower is
                                                                                                  still obligated for the full amount.
                                                                                                      To qualify for an SBA guaranty, a small
                                                                                                  business must meet the lender’s criteria
                                                                                                  and the 7(a) requirements. In addition the
                                                                                                  lender must certify that it would not
                                                                                                  provide this loan under the proposed terms
                                                                                                  and conditions unless it can obtain an SBA
                                                                                                  guaranty. If the SBA is going to provide a
                                                                                                  lender with a guaranty, the applicant must
                                                                                                  be eligible and creditworthy and the loan
                                               needed to accomplish the desired business

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

22 — Small Business Resource   PITTSBURGH                                                                           Visit us online:
                                                                                                     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:
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:
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
     working capital;
   • 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.

Miscellaneous Factors
   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:                                                                   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:
   • 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                                             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:                                                             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:
   • Veterans;
   • 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
real-estate purchases.
   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:                                                                        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
     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
                                                                                                      Eligible Buyers
                                                         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:
   • 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.

Eligible Buyers
  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:                                                                      PITTSBURGH Small Business Resource —   29
                                                                                                   communitY adjuStment and
                                                                                                   inveStment proGram
                                                                                                      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
                                                    overseas orders;
  • 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
                                                                                                   (504 loanS)
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:
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
Act credit.
                                                         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
                                                                                                       microloan proGram
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,
borrower’s energy consumption by at least                                                    , 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.                   
     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                                    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                       
     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
                                                                             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         
     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 &
                                                                     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                                                    
                                                        330-759-3686 Fax
     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.                                      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         

Visit us online:                                                                           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                               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                  
                                                                                                   guaranteed in the Plan A Program receive
Economic Development
                                                                                                   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                     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    
    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
                                                                                                      Greg Bruno
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:         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

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
2. The Huntington National Bank                   130                $3,630,500               800-480-2001
3. Enterprise Bank                                29                 $13,802,500              412-487-6048
4. First National Bank of Pennsylvania            27                 $3,345,100               724-983-6061
5. First Commonwealth Bank                        21                 $3,061,800               724-463-5612
6. Mercer County State Bank                       21                 $1,562,100               800-376-7015
7. National City Bank                             20                 $3,188,600               N/A                  not applicable
8. PNC Bank, National Association                 17                 $5,518,200               412-762-2414
9. S & T Bank                                     17                 $2,942,300               724-978-2708
10. Manufacturers and Traders Trust Co.           11                 $984,300                 570-753-4005

32 — Small Business Resource    PITTSBURGH                                                                            Visit us online:
Visit us online:   PITTSBURGH Small Business Resource —   33
                                            CONTRACTING OPPORTUNITIES

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

   The SBA helps to ensure small                They also provide guidance to assist small       perform on the contract. If the business
businesses get fair opportunities to share      businesses in identifying subcontracting         demonstrates the ability to perform, the
federal government prime contracts. SBA                                                          SBA issues a certificate of competency to
                                                opportunities and marketing their products
procurement center representatives work                                                          the contracting officer, requiring award of
                                                and services to these large contractors.
to expand contracting opportunities for                                                          that contract to the small business.
                                                   CMRs also work with agencies to ensure
small businesses. PCRs review contracting
strategies and actions, to identify contracts   subcontracting with small and small,
for which small businesses can compete.         disadvantaged businesses, women-owned            Small buSineSS
   Visit the SBA’s Office of Government
Contracting        home        page       at:
                                                small businesses, HUBZone firms and
                                                small businesses owned by service-               Size StandardS
                                                disabled veterans through inclusion of              The Small Business Act states that a                                                           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                    
                                                                                                 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:
  A more in-depth listing of standards can         specifically state the class, or classes, of
be  found at               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:
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   
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:                                                               PITTSBURGH Small Business Resource —   35
Hubzone proGram                                   development of businesses owned and
                                                  controlled by one or more socially and
                                                                                                  Net worth:
                                                                                                     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:                 
  • 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:            indicating they are a self-certified SDB.                       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:           More information is at:                         Contracting officers may award a sole-
The first part explains 8(a) Program in       source or set-aside contract to a small
detail, ending in an eligibility self-           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
8(a) businesses.
    For     more       information,     visit:

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

Visit us online:                                                                     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
                                                                                                    STTR Requirements:
    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:        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             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                                                                                   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:       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
                                                 efforts. The technologies and products are         index.cfm.

38 — Small Business Resource   PITTSBURGH                                                                               Visit us online:
                                                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:

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

            largest direct loan program, and
            the only SBA program for
            entities other than small
            businesses. SBA is responsible
for providing affordable, timely and
               financial     assistance    to
homeowners, renters, businesses of all sizes
                                                disaster loans to small businesses, small
                                                agricultural cooperatives and private
                                                nonprofit organizations of all sizes. The
                                                loan limit for economic injury, as a direct
                                                result of the disaster event, is $2 million.
                                                These working capital loans are intended to
                                                be made to entities without credit
                                                                                                strikes, or before active-duty orders are
                                                                                                received – with proper planning. Your
                                                                                                planning should include insurance
                                                                                                coverage, emergency power, protection of
                                                                                                company records, fire safety, medical
                                                                                                emergencies, taking care of your employees
                                                elsewhere, as determined by SBA, to help        and continuity planning – how your
and private, non-profit organizations
                                                pay ordinary and necessary operating            business will continue during and after the
following declared disasters. By law,
                                                expenses that would have been payable           emergency or disaster.
governmental units and agricultural
enterprises are ineligible.                     barring the disaster event. The limit for          Starting is as easy as clicking on the
     The SBA is authorized by the Small         physical and EIDL loans combined is $2          SBA’s Disaster Preparedness Web site at:
Business Act to make two types of disaster      million.                              
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, 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      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:                                                                     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:                          202-481-5719; online at the Ombudsman’s
research of small business issues and
                                                                                                Web page:;
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:

Visit us online:   PITTSBURGH Small Business Resource —   41
otHer aSSiStance
 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                                                        OF PITTSBURGH-DOWNTOWN &                                                     GREENE COUNTY INDUSTRIAL
   org/home/ and enter your zip code          Economic Development                  BUSINESS BRANCH
                                                                                                                           CORPORATION OF ERIE COUNTY
                                                                                                                                                                 DEVELOPMENT AUTHORITY
                                                                                                                             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
                                                                                814-226-9045 • 814-226-9047 F                Meadville, PA 16335                    Pittsburgh, PA 15219
                                                                                                                             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
                                              DEVELOPMENT CORPORATION
                                                                                                                             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
                                                                                                                           OF CLEVELAND
   Aliquippa, PA 15001                        BEDFORD COUNTY DEVELOPMENT                                                                                           412-681-1520 • 412-681-2625 F
                                                                                    COMMUNITY DEVELOPMENT                    Pittsburgh Office
   724-378-0928                               ASSOCIATION
                                                                                    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
                                                                                    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
 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:
otHer aSSiStance
 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
                                                                          PITTSBURGH TECHNOLOGY
                                         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:                                                                                                         PITTSBURGH Small Business Resource —         43
otHer aSSiStance
 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                                                          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:
otHer aSSiStance
 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
   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
 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

top lenderS
   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
                                                                                                                                                      ESB BANK
     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:                                                                                                          PITTSBURGH Small Business Resource —        45
top lenderS
  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
                                                                                 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
                                             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

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