Florida-North - _SmallBusiness_3 by qingyunliuliu

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									                                      BUsINEss
                            smALL
NORTH
FLORIDA
                                                          REsOURCE




 Helping
 Small Business
 Start, Grow
 and Succeed
 PAGE
 9      Getting Started in North Florida
 PAGE
 25     Getting Approved
 PAGE
 41     Government Contracting




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


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


                                                                                          Staff
                                                     2011 NORTH FLORIDA                   President/CEO
                                                                                          Joe Jensen                   jjensen@reni.net


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

    4         Introduction                      46     Disaster Recovery
                                                                                          Martha Theriault
                                                                                          John Beward
                                                                                                                mtheriault@reni.net
                                                                                                                  jbeward@reni.net
              • 4 Administrator’s Letter               There are several types of
                                                       assistance available to
              • 6 Director’s Message
                                                       qualified applicants.

    9         Getting Started                   48     Advocacy
                                                                                          SBA’s Marketing Office:
                                                                                          The Small Business Resource Guide is published
                                                       Find out about the outside         under the direction of SBA’s Office of Marketing and
              Everything you need to know
                                                                                          Customer Service.
              about setting up, marketing              research for the small business
                                                       owners.                            Director
              and managing the revenue of
                                                                                          Laura Fox            laura.fox@sba.gov
              your business.
                                                49     Other Sources of                   Editorial Content
                                                                                          Robert Dillier    robert.dillier@sba.gov
                                                       Assistance
    20        Regulations                              Chambers of Commerce can be
                                                                                          Graphic Design
                                                                                          Gary
              Common requirements that                 a vital resource for the small     Shellehamer gary.shellehamer@sba.gov
                                                       business owner.
              affect small businesses.                                                    SBA’s participation in this publication is not an
                                                                                          endorsement of the views, opinions, products or
                                                                                          services of the contractor or any advertiser or other
    25        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
    39        Lender Listing                                                              ensure that the information contained herein was
                                                                                          accurate as of the date of publication, the information
                                                                                          is subject to change without notice. Neither the
                                                                                          contractor, the federal government, or agents thereof
    41        Contracting Opportunities
                                                                                          shall be held liable for any damages arising from the
                                                                                          use of or reliance on the information contained in this
              SBA is working to ensure small                                              publication.
              businesses obtain fair share of
              government contracts and
              subcontracts with a number
                                                 “Everything you need to know             SBA Publication # MCS-0018

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


            5
2 — Small Business Resource
                                Ways To Evaluate Your
                                Strengths and Weaknesses

                              NORTH FLORIDA
                                                                          Page 10
                                                                                                                 Visit us online: www.sba.gov/fl/north
                                              The U.S. Small Business Administration

                                              FROM THE ADMINISTRATOR

                                                                           will provide an estimated $14 billion more in SBA

                              W
                           ith the help of the SBA,
                           America’s small                                 lending support, as well as more tools in
                           businesses continue to                          contracting, counseling, and exporting. Also, this
                   grow, create jobs and drive our                         new law has eight more tax cuts for entrepreneurs
                   economy forward. This booklet                           and small business owners, adding to the eight
                   has everything you need to                              that the President already signed into law.
                   know about the tools and
                   resources we have to offer: from                        We’re working for you, because we know that
                   getting an SBA loan, to securing                        about two of every three jobs created in America
a federal contract, to using our extensive network                         each year come from small businesses, and more
of 14,000 SBA-affiliated counselors. We call this                          than half of working Americans either own or
the SBA’s “three Cs” of capital, contracts and                             work for a small business. With your help, we can
counseling.                                                                make sure the SBA is meeting its mission and we
                                                                           can make sure that small businesses will continue
This past year, we’ve been very busy in all of these                       to grow and lead America to economic recovery, as
areas. As a result of the Recovery Act, we helped                          they’ve done throughout our nation’s history.
put nearly $30 billion in lending support in the
hands of nearly 70,000 small business owners. The                          If you have any questions that aren’t answered in
Recovery Act has also helped drive more than                               this guide, please go to www.sba.gov or call or
$10.5 billion in federal contracts to small                                walk in to your local district office. We stand ready
businesses. And our counselors continue to serve                           to help you in whatever way we can.
well over a million clients each year – from
entrepreneurs who are writing their first business                         Warm regards,
plans to mature small businesses that are
reinventing themselves in a tough economy.
                                                                           Karen G. Mills
We’re building on this success with the new Small                          Administrator
Business Jobs Act, the most significant piece of                           Small Business Administration
small business legislation in over a decade. This



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

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


4 — Small Business Resource   NORTH FLORIDA                                                                          Visit us online: www.sba.gov/fl/north
NORTH FLORIDA                                                    Message From The District Director
SBA Staff Listing
www.sba.gov/fl/north
904-443-1900
EXECUTIVE DIRECTION
Wilfredo J. Gonzalez
District Director
                                Ron Johnson
                                Lender Relations Specialist
                                Veteran Affairs Officer
                                                                                          Rules For Success
wilfredo.gonzalez@sba.gov       ronald.johnson@sba.gov
                                                                                          Like today’s small businesses, large corporate success stories
Ralph E. Ross                   Jerome T. Orr
Deputy District Director        Lender Relations Specialist                               started with only an entrepreneur and a dream.
ralph.ross@sba.gov              jerome.orr@sba.gov

Jacqueline Young                OFFICE OF GENERAL
Admin. Support Assistant        COUNSEL
                                                                           mall business is the engine that     business community, including the Small



                                                                 S
jacqueline.young@sba.gov        Lisa Still
                                Trial Attorney                             drives the American economy.         Business Center, the Small Business
MARKETING & OUTREACH            lisa.still@sba.gov                         The SBA North Florida District       Development Centers, the Women’s
& GOVERNMENT
CONTRACTING                     OFFICE OF GOVERNMENT                       Office staff is prepared to assist   Business Centers, SCORE (Counselors to
                                CONTRACTING                                potential and existing small         America’s Small Business), the Disney
Kenneth R. Hamilton                                              business owners in any way possible to         Entrepreneur Center, the North Florida
Assistant District Director/    Arleen Starks                    keep the engine running smoothly and           District Advisory Council, the Chambers
Business Development            Procurement Center Rep.
kenneth.hamilton@sba.gov        arleen.starks@sba.gov            strongly. We encourage entrepreneurs to        of Commerce, including the
                                904-542-1143                     tap into the amazing resources that are        minority/ethnic chambers and many
Nancy Alvarez-Hernandez                                          available to them across the North             more that you will find included in this
Business Dev. Specialist/8(a)   Walter R. Wallace                Florida district. We encourage all             guide.
nancy.alvarez-                  Procurement Center Rep.
hernandez@sba.gov               walter.wallace@sba.gov           entrepreneurs to contact our office and
                                407-380-8252                     receive information as to how we can best      We will continue to update this resource
Pamela DuRocher                                                  assist them in reaching their goals.           guide every year. If you have any ideas on
Business Dev. Specialist/8(a)   Scott Nirk                                                                      how to make it better...let us hear from
pamela.durocher@sba.gov         Procurement Center Rep.
                                sanirk@sba.gov
                                                                 With the availability of Recovery dollars,     you. We want to continue to grow and
Ed Phillips                     305-536-5521 ext.158             we encourage banks and financial               expand our horizons just as you do when
Business Dev. Specialist/8(a)                                    institutions to collaborate with us in         it comes to operating your own business.
edward.phillips@sba.gov         Alternate Work Site -            offering access to capital to small
                                Orlando
Charles A. Atwood               Jose (Ed) Ramos
                                                                 businesses.                                    We extend a special thanks to our
Client Relations,               Area Manager                                                                    advertisers. Because of their participation,
SCORE Liaison                   200 E. Robinson St., Ste. 1270   The North Florida District Office              we are able to make this guide free to
charles.atwood@sba.gov          Orlando, FL 32801                continues to experience an increase in         everyone.
                                Voice 407-648-2891
Lola Kress                      Fax 202-481-2712
                                                                 requests for assistance for start-ups and
Public Affairs                  jose.ramos@sba.gov               expansion. This Small Business Resource        Once again, we hope you find this year’s
Specialist/Webmaster                                             Guide has proven to be an excellent            Guide to be a valuable asset and refer to
lola.kress@sba.gov              HUBZone                          resource for those inquiries. It is concise,   it often. We wish you the best in your
                                Ed Phillips
Donna E. Padgug                 Business Dev. Specialist
                                                                 comprehensive and easy to read.                future endeavors. Please contact us if you
Women’s Business Specialist     NFDO Primary HUBZone                                                            have any questions or suggestions.
donna.padgug@sba.gov            Liaison Officer                  The SBA North Florida District Office is
                                edward.phillips@sba.gov          located in Jacksonville, and serves 43         Sincerely,
Annette M. Paulson
Client Relations,               Ken Hamilton
                                                                 counties in North Florida from Orange
Business Dev. Specialist/8(a)   ADD. BD                          County to the Panhandle. Included in
annette.paulson@sba.gov         NFDO Secondary HUBZone           this guide are resources that the SBA
                                Liaison Officer                  makes available to you across North
CAPITAL ACCESS DIVISION         kenneth.hamilton@sba.gov
Veronica M. Wallace
                                                                 Florida, to best achieve your small            Wilfredo J. Gonzalez
Lead Lender Relations                                            business goals. Many thanks to the
Specialist                                                       numerous resource partners of the SBA          District Director of
veronica.wallace@sba.gov                                         that assist in strengthening our small         SBA's North Florida District Office
Rosalind D. Bryant
Lender Relations Specialist
rosalind.bryant@sba.gov



6 — Small Business Resource     NORTH FLORIDA                                                                                   Visit us online: www.sba.gov/fl/north
                                                                                           The SBA helps business

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

THE NORTH FLORIDA DISTRICT OFFICE           Small Business Development Centers
The North Florida District Office is        (SBDC) and Women's Business Centers                                   SucceSS STORY
responsible for the delivery of SBA's       (WBC). They also conduct training events
many programs and services. The District    throughout the district - some require a                               SBA National Small
Director is Wilfredo J. Gonzalez. The       nominal registration fee.                                              Business Person of the
District Office is located at 7825                                                                                 Year - A True Small
Baymeadows Way, Suite 100B,                 Assistance to businesses owned and
                                                                                                                   Business Success!
Jacksonville, FL. Office hours are from     controlled by socially and economically
8:00 AM until 4:30 PM, Monday through       disadvantaged individuals through the
Friday.                                     Business Development Program.
                                                                                            ORLANDO - Waymon Armstrong started
                                            A Women's Business Ownership                 Engineering & Computer Simulations (ECS) in
CONTACTING THE NORTH FLORIDA                                                             Orlando in 1997, after working in the engineering
                                            Representative is available to assist        and technology field for 25 years. ECS specializes
DISTRICT OFFICE                             women business owners. Please contact        in the analysis, development, test and support of
For program and service information,        Donna Padgug at 904-443-1971 or e-mail:      training systems for government, commercial and
please contact the North Florida District   donna.padgug@sba.gov .                       academic clients. The technology that ECS
Office at 904-443-1900.                                                                  provides makes it possible to deliver innovative
                                                                                         training that can be tailored to people from very
                                            Special loan programs are available for
                                                                                         diverse backgrounds and can provide graphic
SERVICES AVAILABLE                          businesses involved in international         simulated experiences that can be shared with
Financial assistance for new or existing    trade.                                       geographically dispersed teams of people. Today,
businesses through guaranteed loans                                                      ECS is one of Inc. Magazines 500 fastest growing
made by area bank and non-bank              A Veterans Affairs Officer is available to   private companies in America and they have
lenders.                                    assist veterans. Please contact Ronald       announced a sales growth of 640% over the past
                                                                                         three years.
                                            V. Johnson 904-443-1965 or e-mail:              Early projects of ECS include modeling the
Free counseling, advice and information     Ronald.johnson@sba.gov                       Atlanta Airport and the US Capitol to develop
on starting, better operating or expanding                                               concepts for an Orlando Light Rail system. Since
a small business through the Service       The SBA helps business owners grow and        then, ECS has produced a number of game-based
Corps of Retired Executives (SCORE),       expand their businesses every day.
                                                                                                                        continued on page 26




                                                                                         We Welcome Your
                                                                                         Questions
                                                                                         For extra copies of this publication or
                                                                                         questions please contact:

                                                                                         North Florida District Office
                                                                                         Attn: Lola Kress
                                                                                         7825 Baymeadows Way, Suite 100B
                                                                                         Jacksonville, FL 32256-7504

                                                                                         Tel.: 904-443-1900

                                                                                         Website: www.sba.gov/fl/north




                                                                                         South Florida District Office
                                                                                         100 S. Biscayne Boulevard, 7th Floor
                                                                                         Miami, FL 33131-2011

                                                                                         Tel.: 305-536-5521 Fax: 304-536-5058

                                                                                         Website: www.sba.gov/fl/south




Visit us online: www.sba.gov/fl/north                                                           NORTH FLORIDA Small Business Resource —   7
 Advisory Council Members
     Donald Adams                              Felice Franklin                             Mercedes F. McCall
     Executive Vice President                  2968 Herschel St.                           8409 Saint Marino Blvd.
     First Community Bank of Southwest         Jacksonville, FL 32205                      Orlando, FL 32836
     Florida                                   904-703-8264                                407-996-6469 or 407-760-5087 Cell
     1565 Red Cedar Dr.                        felicef@bellsouth.net                       407-760-5087 Fax
     Ft Myers, FL 33907                                                                    mercymcc@aol.com
     386-418-0118 • 352-317-3049 Cell          Dr. Philip R. Geist, Area Director          AlwaysMFM@aol.com
     donadams2@aol.com                         Florida SBDC at the University
                                               of North Florida                            Ricardo Morales, Jr.
     Bob Baldwin                               3405 SW College Rd., Ste. 201               Chairman & CEO
     Executive Director                        Ocala, FL 34474-4476                        Morales Construction Co., Inc.
     PARC Foundation                           352-622-8763 • 352-351-1031 Fax             6950 Phillips Hwy., Ste. 15
     7892 Baymeadows Way                       352-342-1409 Cellular and Voice Mail        Jacksonville, FL 32216
     Jacksonville, FL 32256                    sbdcoca@atlantic.net                        904-296-9559 • 904-296-5846 Fax
     904-732-7272 • 904-314-3573 Cell                                                      rmjr@moralesgroup.com
     bob.baldwin@PARCFoundation.com            Dr. Paul S. Hsu, Chairman of the Board
                                               Total Parts Plus & Actigraph                William Patton
     Brian Barquilla                           709 Anchors St. N.W.                        Senior Vice President
     Owner                                     Fort Walton Beach, FL 32548                 DEI Services Corporation
     Advantage Magazine                        850-244-7293 ext. 215                       7213 Sandscove Court
     850 Shipwatch Dr.                         paul.hsu@totalpartsplus.com                 Winter Park, FL 32792
     Jacksonville, Fl 32225                                                                407-678-3388 • 407-678-8008 Fax
     904-704-5058                              Wanyonyi J. Kendrick                        wpatton@deicorp.net
     brian@advantagebizmag.com                 Chief Information Officer
                                               JEA                                         Steve R. Riviere
     Douglas B. Brown                          21 West Church St., Tower 16                Central Florida Market President
     3619 Valencia Rd.                         Jacksonville, FL 32202                      Centennial Bank
     Jacksonville, FL 32205                    904-665-7217 • 904-665-4238 Fax             1200 Hillcrest St., Ste. 102
     904-525-0505                              kendwj@jea.com                              Orlando, FL 32803
     douglasbbrown@bellsouth.net                                                           407-420-3941
                                               Todd G. Kocourek, President & CEO           sriviere@my100bank.com
     Diane Brunet-Garcia, President            Florida First Capital Finance Corporation
     Brunet-Garcia Multicultural Advertising   P.O. Box 4166                               Edwin A. Rodriguez
     & Public Relations                        1351 N. Gadsden                             President
     1510 Hendricks Ave.                       Tallahassee, FL 32315-4166                  Connectiv Solutions, LLC
     Jacksonville, FL 32207                    850-681-3601 • 850-681-3699 Fax             & Founding Chairman
     904-346-1977 • 904-346-1917 Fax           todd@ffcfc.com                              Florida Black Chamber of Commerce
     dbrunet@brunetgarcia.com                                                              P.O. Box 812
                                               Skip Honigstein                             Tallahassee, FL 32302
     Frederick W. Crispen                      SCORE District Director                     850-391-2407 or 850-284-9199 Cell
     Executive Vice President                  Disney/SBA National Entrepreneur Center     206-666-2614 Fax
     Borrego Springs Bank, N.A.                315 E. Robinson St., Ste. 100               ed.rodriguez@connectivsolutions.com
     14101 Panama City Beach Pkwy, Ste. 300    Orlando, FL 32801
     Panama City Beach, FL 32413               352-391-5235 or 407-492-7840 Cell
     866-644-0042                              407-420-4849 Fax
     fcrispen@b-s-b.net                        shonigstein@embarqmail.com

     Joseph Durek, Jr.                         Gilbert A. Levy, Jr.
     CEO                                       Executive Vice President
     Prostar International                     Galiani Corporation
     5404 Monterrey Club Court                 105 S.W. 128th St., Ste. 200
     Windermere, FL 34786                      Tioga, FL 32669
     407-876-4369                              352-333-2580 • 352-331-4201 Fax
     jdurek@durekinvestments.com               gil@ttcemail.com

     Eugene Franklin                           Kellie Jo Kilberg, IOM, CCE
     President/CEO                             President & CEO
     Florida Black Chamber of Commerce         Clay County Chamber of Commerce
     615 North W St.                           1734 Kingsley Ave.
     Pensacola, FL 32505                       Orange Park, FL 32073
     850-525-7916                              904-394-7199 • 904-264-0070 Fax
     franklinfbcc@yahoo.com                    kjkilberg@claychamber.com



8 — Small Business Resource   NORTH FLORIDA                                                            Visit us online: www.sba.gov/fl/north
                                                    INTRODUCTION

                                        GETTING STARTED
                               The SBA Can Help You Start And Expand Your Business
                                                                                               Businesses, approximately 900 Small
                                                                                               Business Development Centers,
                                                                                               approximately 110 Women’s Business
                                                                                               Centers and 16 Veterans Business
                                                                                               Outreach Centers located across the
                                                                                               country. More information about
                                                                                               SCORE, SBDCs, WBCs and VBOCs is
                                                                                               detailed at: www.sba.gov/services.
                                                                                                  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 disaster.

                                                                                               sba’s resource partners
                                                                                               score
            very day, the U.S. Small            Key Features of the SBTN:                         SCORE is a national network of more




E           Business Administration and         • Training is available anytime and            than 12,000 entrepreneurs, business
                                                  anywhere—all you need is a computer          leaders and executives who volunteer as
            its nationwide network of
                                                  with Internet access.                        mentors to America’s small business.
            resource partners help
                                                • More than 23 free online courses and         SCORE helps entrepreneurs start
            millions of potential and             workshops available                          businesses, grow companies and create
current small business owners start,            • Online, interactive assessment tools are     jobs in local communities.
grow and succeed.                                 featured and used to direct clients to          SCORE matches you with a mentor
   Whether your target market is global           appropriate training.                        whose personality and skills are a good
or just your neighborhood, the SBA and           Course topics include a financial             fit for your business needs. Whether you
its resource partners can help at every       primer keyed around SBA’s loan-                  are a start-up business or growing
stage of turning your entrepreneurial         guaranty programs, a course on                   company, you can meet with a mentor
dream into a thriving business.               exporting, and courses for veterans and          for free and confidential advice.
   If you’re just starting, the SBA and its   women’s contracting as well as an online            SCORE mentors are part of your local
resources can help you with loans and         library of business publications and             community. The volunteer experts
business management skills. If you’re         articles.                                        understand local business licensing
already in business, you can use the             Find the SBTN at: www.sba.gov/training.       rules, economic conditions and lending
SBA’s resources to help manage and                                                             standards. You will find a SCORE office
expand your business, obtain                  Where To Go To Get Started                       in your community and often a location
government contracts, recover from               Our resources include the SBA’s               at your local Chamber of Commerce,
disaster, find foreign markets, and make      district offices serving every state and         bank or SBA office.
your voice heard in the federal               territory, nearly 400 chapters of SCORE             SCORE mentoring is available at 364
government.                                   – Counselors to America’s Small                  offices nationwide. SCORE offers local
   You can access SBA help online 24                                                           small business workshops at modest fees
hours a day at www.sba.gov or visit one
                                                                                           • You get to be your own boss.
of our local offices for assistance.

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

Visit us online: www.sba.gov/fl/north                                                                   NORTH FLORIDA Small Business Resource —      9
                                               on popular topics such as increasing        Manasota/Sarasota SCORE #116
   EVALUATE                                    sales, managing cash flow and
                                               marketing your business.
                                                                                              2801 Fruitville Rd., #280
                                                                                              Sarasota, FL 34237
                                                 SCORE has helped more than 8.5               941-955-1029 • 941-955-5581 Fax
                                                                                              scorech116@verizon.net
  Start by evaluating your                     million entrepreneurs nationwide. You          http://www.score-suncoast.org
                                               can count on SCORE as a trusted
  strengths and weaknesses                     resource to offer in-depth mentoring,
                                               sound advice and guidance to tools and
                                                                                           Central Floorida SCORE #122
                                                                                              5410 S. Florida Ave., #3
                                               resources that can help you succeed as a       Lakeland, FL 33813
                                               business owner.                                863-619-5783
                                                 For 24/7 access to advice and online         score122@verizon.net
                                               webinars on topics such as starting,           http://www.centralfloridascore.org
  1. Are you a self-starter?                   growing, marketing and e-commerce for       Orlando SCORE #138
     It will be up to you – not                small business, visit SCORE online.            Landmark One Building
     someone else telling you – to             With expertise in more than 600 skill          315 E. Robinson St., Ste. 100
                                               areas, you can find a SCORE mentor             Orlando, FL 32801
     develop projects, organize your           online at www.score.org or at one of           407-420-4844 • 407-420-4849 Fax
     time and follow through on                SCORE’s offices. Call 1-800-634-0245           score@disneyec.com
     details.                                  for the office nearest you.                    http://www.scoreorlando.org

                                               SCORE Directory 2011                        Hillsborough SCORE #203
  2. How well do you get along                                                                Corporate Sq., Bldg. 400, #425
     with different personalities?             NORTH FLORIDA SCORE                            7402 N. 56th St.
                                                                                              Tampa, FL 33617
     Business owners need to develop                                                          813-988-1435 • 813-914-4027 Fax
     working relationships with a              Tallahassee Satellite Office
                                                                                              counselor@tampascore.org
                                                  Score at Tallahassee Community College
     variety of people including                                                              http://www.tampascore.org
                                                  444 Appleyard Dr., Bldg. 38, Rm 232
     customers, vendors, staff,                   Tallahassee, FL 32304
                                                                                           Southwest Florida SCORE #219
     bankers, lawyers, accountants and            850-201-7987 • 850-201-8617 Fax
                                                                                              3650 Colonial Blvd., Ste. 231
                                                  score@tcc.fl.edu
     consultants. Can you deal with a                                                         Fort Myers, FL 33966
                                                  http://www.scoregainesville.org
                                                                                              239-489-2935 • 239-489-1170 Fax
     demanding client, an unreliable                                                          score219@embarqmail.com
     vendor or a cranky staff person?          Broward County SCORE #17
                                                                                              http://www.score219.org
                                                  299 E. Broward Blvd., #123
                                                  Fort Lauderdale, FL 33301
                                                                                           Palm Beach SCORE #224
  3. How good are you at making                   954-356-7263 • 954-356-7145 Fax
                                                                                              500 Australia Ave., Ste. 115
     decisions?                                   bwdscore17@aol.com
                                                                                              West Palm Beach, FL 33401
                                                  http://www.score17.org
     Small business owners are                                                                561-833-1672 • 561-833-1470 Fax
                                                                                              wpbscore@us-it.net
     required to make decisions                Miami-Dade/Monroe SCORE #29
                                                                                              http://www.wpbscore.org
     constantly, often quickly, under             100 South Biscayne Blvd., 7th Fl.
                                                  Miami, FL 33131
     pressure.                                    786-425-9119
                                                                                           South Broward/North Dade SCORE #235
                                                                                              3475 Sheridan St., Ste. 203
                                                  admin@scoremiami.org
                                                                                              Hollywood, FL 33021
  4. Do you have the physical and                 http://www.scoremiami.org
                                                                                              954-966-8415 • 954-966-2313 Fax
     emotional stamina to run a                Jacksonville SCORE #86                         sbascore@bellsouth.net
                                                                                              http:/www./score.org
     business?                                    7825 Baymeadows Way 100-B
                                                  Jacksonville, FL 32256
     Business ownership can be                    904-443-1911 • 904-443-1980 Fax
                                                                                           Treasure Coast SCORE #308
     challenging, fun and exciting. But                                                       3320 S. U.S. Hwy. 1, Ste. 2
                                                  info@scorejax.org
                                                                                              Fort Pierce, FL 34952
     it’s also a lot of hard work. Can            http://www.scorejax.org
                                                                                              772-489-0548 • 772-489-9548 Fax
     you face 12-hour workdays six or          Volusia/Flagler SCORE #87                      score308@bellsouth.net
     seven days a week?                                                                       http://www.score308.com
                                                  149 S. Ridgewood Ave.
                                                  Daytona Beach, FL 32114
                                                  386-255-6889 • 386-255-0229 Fax
                                                                                           Charlotte-Desoto County SCORE #318
  5. How well do you plan and                                                                 1777 Tamiami Tr., Ste. 411
                                                  score87@earthlink.net
     organize?                                                                                Port Charlotte, FL 33948
                                                  http://www.score87.org
                                                                                              941-743-6179
     Research indicates many                                                                  score0318@aol.com
     business failures could have been         Pinellas SCORE #115
                                                                                              http://www.score0318.com
                                                  Airport Business Center #311
     avoided through better planning.             4707 140th Ave. N.
                                                                                           Space Coast SCORE #400
     Good organization – of financials,           Clearwater, FL 33762
                                                                                              Melbourne Professional Complex
                                                  727-532-6800 • 727-532-6800 Fax
     inventory, schedules, production                                                         1600 Sarno Rd., Ste. 205
                                                  score115@ii.net
     – can help avoid pitfalls.                                                               Melbourne, FL 32935
                                                  http://www.score115.org
                                                                                              321-254-2288 • 321-254-2288 Fax
                                                                                              scorechapter400@bellsouth.net
                                                                                              http://www.spacecoastscore.org


10 — Small Business Resource   NORTH FLORIDA                                                                 Visit us online: www.sba.gov/fl/north
                                                                                                       For ALL Your Franchising
                                                                                                       Needs
                                                                                                       Go To:
                                                                                                       www.franmarket.com
                                                                                               the decision to start a business. More
                                                                                               than 40 percent of long-term clients,
                                                                                               those receiving 5 hours or more of
                                                                                               counseling, reported an increase in sales
                                                                                               and 32 percent of long term clients
South Palm Beach County SCORE #412            Suwannee Valley SCORE #685                       reported an increase in profit margins.
     7999 N. Federal Hwy., Ste. 201              Florida Crown Bldg., 840 SW Main Blvd.           SBDC counseling generally consists of
     Boca Raton, FL 33483                        Lake City, FL 32025                           assistance with business plans, access to
     561-981-5180 • 561-981-5391 Fax             386-752-2000 • 352-752-2622 Fax               capital, franchising, manufacturing,
     info@scoresouthflorida.org                  scorelakecity@gmail.com                       international trade, high-tech endeavors,
     http://www.scoresouthflorida.net            http://www.scorelc.com                        contracting, energy efficiency,
                                                                                               marketing, and other subjects. SBDC
                                              small business
Lake-Sumter SCORE #414
     Lake Technical Center                                                                     training is geared toward the needs of
     2001 Kurt St.
     Eustis, FL 32726
                                              Development centers                              the local business community, focusing
                                                                                               on the fundamentals required to start,
     352-589-2250 ext. 149                       The Small Business Development                purchase, operate and grow a small
     chapter_chair@score414.org               Center Program has been vital to SBA’s           business.
     http://www.score414.org                  entrepreneurial outreach for more than              Particular emphasis in the SBDC
                                              25 years. It has become one of the               program includes green business
Pasco/Hernando SCORE #439                     largest professional small business
     6014 U.S. Hwy. 19, #302                                                                   technology, disaster recovery and
     New Port Richey, FL 34652                management and technical assistance              preparedness, importing and exporting,
     727-842-4638                             networks in the nation. With more than           electronic commerce, technology transfer
     score439@verizon.net                     900 locations across the country, SBDCs          and regulatory compliance. The SBDC
     http://www.score439.org                  offer existing and future entrepreneurs          programs also promote green buildings
                                              free one-to-one expert business advice           and green job growth, provide assistance
Marion/Putnam SCORE #440                      and low-cost trainings. All counseling
     4901 E. Silver Springs Blvd., Ste. 501                                                    to veterans and communities affected by
     Ocala, FL 34471
                                              and training sessions are conducted by           defense cutbacks, and reach out to
     352-629-5959 • 352-629-5959 Fax          qualified small business professionals           communities that have been negatively
     score@yessolutions.org                   and are offered both in person and               affected by industry cutbacks, closures or
     http://www.score440.org                  online.                                          natural disasters.
                                                 A nationwide study of the impact of              During the past quarter century,
Naples/Collier SCORE #573                     the SBDC Program (2008-2009)
     900 Goodlette Rd. N.                                                                      through a unique mix of federal funding
                                              highlights the results of SBDC                   along with matching state and private
     Naples, FL 34102
     239-430-0081 • 239-430-0082 Fax          assistance. The study illustrates the            sector resources, the program has
     score@scorenaples.org                    significance of the SBDC program's focus         increased its return on investment.
     http://www.scorenaples.org               on establishing long-term counseling             Through federal grants, the SBDCs in
                                              relationships with clients. Of the clients       every state and territory provide the
Citrus County SCORE #646                      surveyed, more than 80 percent reported
     3810 S. Lecanto Hwy., Bldg. P1-101                                                        foundation for the economic growth of
                                              that the information they received from          small businesses. These small
     Lecanto, FL 34461
     352-249-1236 • 352-249-1217 Fax          their SBDC counselor was valuable.               businesses in turn advance local and
     citruschapter@live.com                   Similarly, more than 50 percent reported         regional economic development through
     http://www.scoreciturs.org               that SBDC assistance was useful with             the generation of business revenues, job
Bay County SCORE #652                                                                          creation and job retention. In fiscal 2010,
     101 S.E. Pl., Ste. #104
     Gainesville, FL 32601
     352-375-8278 • 352-375-5340 Fax                                                       • Faster, better search capabilities
     chapter408@scoregainesville,org            SBA’S WEBSITE                              • Information tailored to your needs
     http://www.scoregainesville.org
                                                Watch for the SBA’s Improved               • News about SBA programs & services
                                                Website Soon, Featuring:
                                                                                           Some pages may change URLs on the upgraded site. Please
                                                                                           consult www.sba.gov or your local SBA district office for
                                                                                           assistance.


Visit us online: www.sba.gov/fl/north                                                                  NORTH FLORIDA Small Business Resource —         11
SBDC business advisors helped more                                                                 SBDC at the University of North Florida
than 12,500 entrepreneurs start new
businesses or approximately 34 new
                                                     WEBSITE                                          Marge Cirillo, Certified Business Analyst
                                                                                                      4040 Lewis Speedway
                                                                                                      St. Augustine, FL 32084-8637
businesses starts per day.                           Business plan help                               904-620-2476 • 904-620-2567 Fax
   The SBDC network provided                                                                          SBDC E-mail: m.cirillo@unf.edu
counseling services to approximately            Find your nearest SCORE chapter at:                   www.sbdc.unf.edu
106,000 nascent entrepreneurs,                  www.score.org.
approximately 123,000 existing                  For business plan help at the SCORE                SBDC at the University of North Florida
                                                Website, click on “Business Tools” from the
businesses and training services to             left-hand menu, then click on “Template
                                                                                                      Mike Orlito, Certified Business Analyst
                                                                                                      3495 S. Suncoast Blvd.
approximately 360,000 clients in fiscal         Gallery.”                                             c/o Citrus County CoC
2010.                                                                                                 Homosassa, FL 34448-2329
   In fiscal 2009, SBDC clients acquired        You can find the nearest VBOC at:                     866-998-8332 • 352-628-1286 Fax
loans, venture capital and the infusion of      www.sba.gov/vets.                                     SBDC E-mail: mdo-sbdc@atlantic.net
equity totaling $3.5 billion, an amount                                                               www.sbdc.unf.edu
                                                To find WBCs, click on:
on par with the $3.6 billion SBDC clients       www.sba.gov/services/ and choose
obtained in fiscal 2008. While SBDC                                                                SBDC at the University of Central Florida
                                                “Women’s Business Centers” from the                   Eunice Choi, Regional Director
clients accounted for approximately 5           “Counseling and Assistance” heading at                315 E. Robinson St., Ste. 100
percent of the SBA's 7(a) and 504 loan          the bottom.                                           Orlando, FL 32801-1698
approvals, more than 80 percent of                                                                    New Location Starting April 2011:
SBDC clients were able to acquire               You can also find business-plan help on               3201 E. Colonial Dr., Ste. 820
                                                the SBA’s Web site at:
capital from banks and conventional                                                                   Orlando FL 32803-5140
                                                http://www.sba.gov/smallbusinessplan                  407-420-4850 • 407-420-4862 Fax
lenders as well as angel investors and          ner/ then choose “Writing a Business Plan”            SBDC E-mail: sbdc@bus.ucf.edu
venture capitalists.                            from the “Plan Your Business” menu along              www.sbdcorlando.com
   For information on the SBDC                  the bottom.
Program, click on:                                                                                 SBDC at Daytona State College
www.sba.gov/aboutsba/sba programs/sbdc/        SBDC at Florida A&M University                         Ned Harper, Director
index.html.                                       Keith Bowers, Interim Regional Director             1200 W. Intern’l Speedway Blvd.
                                                  Innovation Park, Morgan Bldg., Ste. 130             Rm. 223, Bldg. 110
FSBDCN Directory of Service Centers               2035 Paul Dirac Dr.                                 Daytona Beach, FL 32114-2817
    35 Centers Serving Florida                    Tallahassee, FL 32310-3700                          386-506-4723 • 386-506-4602 Fax
    *Less than 40 hours per week                  850-599-3407 • 850-561-2049 Fax                     SBDC E-mail: sbdc@daytonastate.edu
                                                  SBDC E-mail: keith.bowers@famu.edu                  www.sbdcdaytona.com
State Director's Office                           www.SBDCFAMU.org
    Jerry Cartwright, State Director                                                               SBDC at Seminole State College
    UWF, 11000 University Pkwy., Bldg. 38      *SBDC at Florida A&M University                        Robert Goetz, Manager
    Pensacola, FL 32514-5750                      Dawn Murray Taylor, Volunteer Bus. Analyst          1445 Dolgner Pl.
    850-473-7800 or Suncom 680-7800               Perry-Taylor County Chamber of Commerce             Sanford, FL 32771-9204
    850-473-7813 Fax                              428 N. Jefferson St.                                407-321-3495 • 407-321-4184 Fax
    info@floridasbdc.org                          Perry, FL 32347-2510                                SBDC E-mail: templetr@seminolestate.edu
    www.FloridaSBDC.org                           850-584-5366 • 850-584-8030 Fax                     www.seminoleSBDC.org
                                                  SBDC E-mail: taylorchamber@gtcom.net             *SBDC at the University
SBDC at the University of West Florida                                                             of Central Florida
    Larry Strain, Regional Director            SBDC at the University of North Florida                James Spencer, Area Manager
    401 E. Chase St., Ste. 100                    Janice Donaldson, Regional Director                 Lake Sumter Community College
    Pensacola, FL 32502-6160                      Coggin College of Business                          1250 N. Hancock Rd.
    850-595-0063 • 850-595-0124 Fax               University Center, 12000 Alumni Dr.                 Rm. 106, Bldg. 1
    SBDC E-mail: sbdc@uwf.edu                     Jacksonville, FL 32224-2677                         Clermont, FL 34711-5931
    www.sbdc.uwf.edu                              904-620-2476 • 904-620-2567 Fax                     352-536-2224
                                                  SBDC E-mail: smallbiz@unf.edu                       SBDC E-mail: jspencer@bus.ucf.edu
SBDC at the University of West Florida            www.sbdc.unf.edu                                    www.sbdcorlando.com
    Tom Hermanson, Assistant Manager/CBA
    922 Mar Walt Dr., Ste. 203                 SBDC at the University of North Florida             SBDC at the University of Central Florida
    Fort Walton Beach, FL 32547-6703              Patrick Fitzgerald, Certified Business Analyst      Janice Lopez, Area Manager
    850-833-9400 • 850-833-9405 Fax               2153 S.E. Hawthorne Rd., Unit 12                    Kissimmee/Osceola County CoC
    SBDC E-mail: fwsbdc@uwf.edu                   Gainesville, FL 32641-7577                          1425 E. Vine St.
    www.sbdc.uwf.edu                              352-334-7230 • 352-334-7233 Fax                     Kissimmee, FL 34744-3621
                                                  SBDC E-mail: sbdcgnv@atlantic.net                   407-847-2452 • 407-847-5971 Fax
SBDC at Gulf Coast Community College              www.sbdc.unf.edu                                    SBDC E-mail: nperez@bus.ucf.edu
    Joe Chavarria, Regional Director                                                                  www.sbdcorlando.com
    2500 Minnesota Ave.                        SBDC at the University of North Florida
    Lynn Haven, FL 32444-4815                     Dr. Philip Geist, Area Director/CBA              SBDC at Brevard Community College
    850-271-1108 • 850-271-1109 Fax               3405 S.W. College Rd., Ste. 201                     Victoria Peake, Director
    SBDC E-mail: info@northfloridabiz.com         Ocala, FL 34474-8464                                3865 N. Wickham Rd.
    www.northfloridabiz.com                       352-622-8763 • 352-351-1031 Fax                     Rm. 122, Bldg. 10
                                                  SBDC E-mail: sbdcoca@atlantic.net                   Melbourne, FL 32935-2310
                                                  www.sbdc.unf.edu                                    321-433-5570 • 321-433-5708 Fax
                                                                                                      SBDC E-mail: pfrimmers@brevardcc.edu
                                                                                                      www.bcctraining.com

12 — Small Business Resource   NORTH FLORIDA                                                                         Visit us online: www.sba.gov/fl/north
*SBDC at the University                            *SBDC at USF - Lutz                             SBDC at Florida Gulf Coast University
of Central Florida                                    Jerry Karp, Certified Business Analyst          Dan Regelski, Regional Director
     James Spencer, Area Manager                      16506 Point Village Dr., Ste. 101               FGCU, CLI, Lutgert COB, Unit 2320
     Leesburg Business & Technology Center            Lutz, FL 33558-5255                             10501 FGCU Blvd. S.
     600 Market St.                                   813-926-0827 • 813-926-0829 Fax                 Fort Myers, FL 33965-6565
     Leesburg, FL 34748-5143                          SBDC E-mail: karpj@usf.edu                      239-745-3700 • 239-745-3710 Fax
     352-315-1846 • 352-323-8156 Fax                  www.SBDCtampabay.com                            SBDC E-mail: avholmes@fgcu.edu
     SBDC E-mail: jspencer@bus.ucf.edu                                                                http://cli.fgcu.edu/sbdc
     www.sbdcorlando.com                           SBDC at Central Florida Development
                                                      Council of Polk County                       SBDC at Florida Gulf Coast University
SBDC at the University of South Florida               Doretha Brooks, Director                        Robert Smoot, Certified Business Analyst
     Eileen Rodriguez, Regional Director              BoCC-Neil Combee Administration Bldg.           1020 Cultural Park Blvd., Unit 3
     1101 Channelside Dr., Ste. 210                   330 W. Church St.                               Cape Coral, FL 33990-1229
     Tampa, FL 33602-3613                             Bartow, FL 33830-3760                           239-573-2737 • 239-573-2797 Fax
     813-905-5800 • 813-905-5801 Fax                  863-534-5915 • 863-534-5932 Fax                 SBDC E-mail: avholmes@fgcu.edu
     SBDC E-mail: sbdc@usf.edu                        SBDC E-mail: info@polksbdc.org                  http://cli.fgcu.edu/sbdc
     www.SBDCtampabay.com                             www.polksbdc.org
                                                                                                   *SBDC at Florida Gulf Coast University
SBDC at USF - Clearwater                           SBDC at the University of South Florida            Peter Keating, Certified Business Analyst
     Cynthia Johnson, Center Director                 David Noel, Certified Business Analyst          2702 Tamiami Tr.
     13805 58th St. N., Ste. 1-200                    South Florida Community College                 Port Charlotte, FL 33952-5129
     Clearwater, FL 33760-3716                        600 W. College Dr., Bldg. T                     941-627-2222 • 941-639-6330 Fax
     727-453-7200                                     Avon Park, FL 33825-9356                        SBDC E-mail: avholmes@fgcu.edu
     SBDC E-mail: cyjohnson@pinellascounty.org        863-784-7378 • 863-784-7355 Fax                 http://cli.fgcu.edu/sbdc
     www.pced.org                                     SBDC E-mail: davidnoel@usf.edu
                                                      www.southflorida.edu/sbdc                    SBDC at Indian River State College
SBDC at USF - Brooksville                                                                             Dr. Jan Pagano, Regional Director
     Learline Shorty, Certified Business Analyst   SBDC at the State College of Florida               3209 Virginia Ave., Bldg. E, Rm. 123
     Greater Hernando Chamber of Commerce             Carolyn Griffin, Assistant Director             Ft. Pierce, FL 34981-5596
     15588 Aviation Loop Dr.                          Business Resource Center                        772-462-7296 or 888-283-1177
     Brooksville, FL 34604-6801                       8000 Tamiami Tr. S.                             772-462-4830 Fax
     352-796-0697                                     Venice, FL 34293-5113                           SBDC E-mail: sbdc-irsc@floridasbdc.org
     SBDC E-mail: lshorty@usf.edu                     941-408-1412 • 941-497-6433 Fax                 www.sbdc-irsc.com
     www.SBDCtampabay.com                             SBDC E-mail: baxterl@scf.edu
                                                      www.scf.edu/sbdc                             *SBDC at Indian River State College
*SBDC at USF - St. Petersburg                                                                         Jack Burns, Certified Business Analyst
     Wayne Brass, Certified Business Analyst       SBDC at the State College of Florida               924 SE Central Pkwy.
     140 7th Ave. S., DAV 108D                        Arthur Mahoney, Certified Business Analyst      Stuart, FL 34994-3997
     St. Petersburg, FL 33701-5016                    Lakewood Ranch, 7131 Professional Pkwy. E       772-419-5694 • 772-283-1981 Fax
     727-873-4753                                     Sarasota, FL 34240-8453                         SBDC E-mail: sbdc-irsc@floridasbdc.org
     SBDC E-mail: rwbrass@usf.edu                     941-363-7219 • 941-373-7795 Fax                 www.sbdc-irsc.com
     www.SBDCtampabay.com                             SBDC E-mail: baxterl@scf.edu
                                                      www.scf.edu/sbdc                             SBDC at Palm Beach State College
                                                                                                      Ted Kramer, Regional Director
                                                                                                      3000 Saint Lucie Ave., Ste. AD 408
                                                                                                      Boca Raton, FL 33431-6418
                                                                                                      561-862-4726 • 561-862-4727 Fax
                                                                                                      SBDC E-mail: kramere@palmbeachstate.edu
                                                                                                      www.palmbeachstate.edu/sbdc.xml

                                                                                                   SBDC in Broward
                                                                                                      Rafael Cruz, Regional Director
                                                                                                      Reubin O'D Askew Tower, Rm. 525
                                                                                                      11 E Las Olas Blvd.
                                                                                                      Ft. Lauderdale, FL 33301-2206
                                                                                                      954-762-5235 • 954-762-5144 Fax
                                                                                                      SBDC E-mail: sbdc-broward@floridasbdc.org
                                                                                                      www.browardsbdc.org

                                                                                                   SBDC Miami-Dade
                                                                                                      Carlos Cardenas, Regional Director
                                                                                                      8500 S.W. 8th St., Ste. 224
                                                                                                      Miami, FL 33144-4002
                                                                                                      305-261-1638 • 305-264-3567 Fax
                                                                                                      SBDC E-mail: sbdc-miami@floridasbdc.org
                                                                                                      www.floridasbdc.org/miami-dade




Visit us online: www.sba.gov/fl/north                                                                  NORTH FLORIDA Small Business Resource —    13
SBDC Miami-Dade                                 University of South Florida                          WBC training courses are often free or
    Greg Baumann, Certified Business Analyst       Covering Tampa, St. Petersburg, Bartow,        are offered at a small fee with
    Florida Keys Community College                 Ocala, Sarasota and Pasco Areas                scholarships often available to those who
    5901 College Rd., Rm. 218                      1101 Channelside Dr., Ste. 210                 need them. A number of WBCs also
    Key West, FL 33040-4315                        Tampa, FL 33602
    305-809-3156 • 305-393-1713 Fax                Charlene Bostic, PTAC Specialist
                                                                                                  provide courses and counseling via the
    SBDC E-mail: greg.baumann@floridasbdc.org      813-905-5800                                   Internet, mobile classrooms and satellite
    www.floridasbdc.org/miami-dade                 cbostic@coba.usf.edu                           locations.
                                                                                                     To find the nearest SBA WBC or to
Procurement Technical Assistance                Palm Beach State College                          learn more about SBA programs and
Program                                            Covering Indian River, Saint Lucie, Martin,    services, visit the SBA’s Web site
                                                   Palm Beach, Broward, Miami Dade, Monroe        http://www.sba.gov/idc/groups/public/document
  The Florida Procurement Technical                and Okeechobee Areas
Assistance Center (FPTAC) Program is                                                              s/sba_program_office/sba_ro_do_wbc.pdf.
                                                   3000 Saint Lucie Ave., Rm. CB 221
funded by the Defense Logistics Agency             Boca Raton, FL 33431-6490
                                                                                                  Women’s Business Center Serving North
(DLA), with a goal to assist Florida               Carole Hart, PTAC Specialist
                                                                                                  Florida:
                                                   561-862-4782
businesses interested in obtaining
                                                   Hartc@palmbeachstate.edu
contracts with the Department of                                                                  Jacksonville Women's Business Center
Defense, other federal agencies and             Palm Beach State College                             A program of the Jacksonville Regional
state/local government agencies and                3000 Saint Lucie Ave., Rm. CB 222                 Chamber of Commerce
                                                                                                     3 Independent Dr.
participating prime contractors. The               Boca Raton, FL 33431-6490
                                                                                                     Jacksonville, FL 32202-5004
FPTAC staff provides small business                Jackie Rule, PTAC Specialist
                                                   561-862-4781                                      Pat Blanchard, Director
training opportunities and one-on-one              Rulej@palmbeachstate.edu                          904-366-6640 • 904-366-6604 Fax
counseling at many locations throughout                                                              pat.blanchard@myjaxchamber.com
the state. For additional information           Palm Beach State College                             www. JaxWBC.com
please go to www.ftpac.org or contact              3000 Saint Lucie Ave., Rm. CB 223
                                                                                                  Women’s Business Centers Serving South
one of the following:                              Boca Raton, FL 33431-6490
                                                                                                  Florida:
                                                   Mike Bell, PTAC Specialist
University of West Florida                         561-862-4780
                                                   Bellm@palmbeachstate.edu
                                                                                                  Florida Women’s Business Center
    Covering Pensacola, Panama City and                                                              Jennifer Kovach, Director
    Tallahassee Areas                                                                                401 W. Atlantic Ave., Ste. 09
    401 E. Chase St., Ste. 100                  Florida Gulf Coast University
                                                   Covering Lee, Collier, Charlotte, Glades and      Delray Beach, FL 33444
    Pensacola, FL 32502                                                                              866-353-3790 ext. 113 Toll Free
    Laura Subel, FPTAC Program Manager             Hendry Areas
                                                   Lutgert College of Business, Unit 2313            561-265-0806 Fax
    850-595-0089                                                                                     jennifer@flwbc.org
    Lsubel@uwf.edu                                 10501 FGCU Blvd. S.
                                                   Ft. Myers, FL 33965-6565                          www.flwbc.org
                                                   Dan Telep, PTAC Specialist                        Serving 18 Counties: Broward, Charlotte,
UWF Purchasing Dept, Minority Business                                                               Collier, Desoto, Glades, Hardee, Hendry,
Enterprise Procurement Program                     239-745-3708
                                                   dtelep@fgcu.edu                                   Highlands, Hillsborough, Lee, Manatee,
    11000 University Pkwy., Bldg. 8                                                                  Martin, Miami-Dade, Monroe, Okeechobee,
    Pensacola, FL 32514                                                                              Palm Beach, Pinellas and Sarasota.
    Judy Jasmyn , UWF Procurement
    850-474-2633
                                                Women’s business centers
                                                                                                  Women’s Business Center at Florida Tech
    jjasmyn@uwf.edu                               The SBA’s Women Business Center
                                                                                                     Donn E. Miller-Kermani, Director
                                                Program is a network of approximately                150 W. University Blvd.
Covering Ft. Walton Beach                       110 community-based centers which                    Melbournc, FL 32901
and Crestview Areas                             provide business training, counseling,               321-674-7006 • 321-674-7008 Fax
    409 Racetrack Rd.                           mentoring and other assistance geared                dkermani@fit.edu
    Ft. Walton Beach, FL 32547                  toward women, particularly those who                 wbc.fit.edu
    Paul Briere, PTAC Specialist
                                                are socially and economically
                                                                                                  are You riGHt For small
    850-301-3514
    pbriere@uwf.edu                             disadvantaged. WBCs are located in
                                                nearly every state and U.S. territory and
                                                are partially funded through a
                                                                                                  business oWnersHip?
University of North Florida                                                                          Most new business owners who
    Covering Jacksonville Area                  cooperative agreement with the SBA.
                                                                                                  succeed have planned for every phase of
    1200 Alumni Dr, University Ctr.               To meet the needs of women
    Jacksonville, FL 32224                                                                        their success. Thomas Edison, the great
                                                entrepreneurs, the WBCs offer services
    Lisa Haggerty, PTAC Specialist                                                                American inventor, once said, “Genius is
                                                at convenient times and locations,
    904-620-2476
                                                including weekends. Some offer child              1 percent inspiration and 99 percent
    lisa.d.haggerty@unf.edu
                                                care during training and many provide             perspiration.” That same philosophy also
                                                assistance and materials in different             applies to starting a business.
University of Central Florida
    Covering Orlando Area                       languages, depending on the needs of                 First, you’ll need to generate a little
    315 E. Robinson St., Ste. 100               the individual communities they serve.            bit of perspiration deciding whether
    Orlando, FL 32805                           In fiscal 2009, the WBC Program                   you’re the right type of person to start
    Tony Espinosa, PTAC Specialist              counseled and trained more than                   your own business.
    407-420-4850
                                                155,000 clients,creating local economic
    tespinosa@bus.ucf.edu
                                                growth and vitality.


14 — Small Business Resource   NORTH FLORIDA                                                                        Visit us online: www.sba.gov/fl/north
is entrepreneursHip For                            Once you’ve answered those questions,
                                                 you should consider what type of
                                                                                             opportunities before deciding on the one
                                                                                             that's right for you.
You?                                             business you want to start. Businesses         Some of the things you should look at
  In business, there are no guarantees.          can include franchises, at-home             when evaluating a franchise:
There is simply no way to eliminate all          businesses, Web-based businesses or         profitability, effective financial
the risks associated with starting a             brick-and-mortar stores.                    management and other controls, a good
small business - but you can improve                                                         image, integrity and commitment, and a
your chances of success with good                FrancHisinG                                 successful industry.
                                                                                                In the simplest form of franchising,
planning, preparation, and insight. Start
                                                    There are more than 3,000 business
by evaluating your strengths and                                                             while you own the business, its
                                                 franchises. The challenge is to decide on
weaknesses as a potential owner and                                                          operation is governed by the terms of the
                                                 one that both interests you and is a good
manager of a small business. Carefully                                                       franchise agreement. For many, this is
                                                 investment. Many franchising experts
consider each of the following questions:                                                    the chief benefit for franchising. You are
                                                 suggest that you comparison shop by
   • Are you a self-starter? It will be
                                                 looking at multiple franchise               able to capitalize on a business format,
     entirely up to you to develop projects,
     organize your time, and follow through
     on details.
   • How well do you get along with
     different personalities? Business own-
     ers need to develop working
     relationships with a variety of people
     including customers, vendors, staff,
     bankers, and professionals such as
     lawyers, accountants, or consultants.
     Can you deal with a demanding client,
     an unreliable vendor, or a cranky
     receptionist if your business interests
     demand it?
   • How good are you at making
     decisions? Small business owners are
     required to make decisions constantly -
     often quickly, independently, and
     under pressure.
   • Do you have the physical and
     emotional stamina to run a business?
     Business ownership can be exciting,
     but it's also a lot of work. Can you face
     six or seven 12–hour workdays every
     week?
   • How well do you plan and organize?
     Research indicates that poor planning
     is responsible for most business
     failures. Good organization — of
     financials, inventory, schedules, and
     production — can help you avoid many
     pitfalls.
   • Is your drive strong enough? Running
     a business can wear you down
     emotionally. Some business owners
     burn out quickly from having to carry
     all the responsibility for the success of
     their business on their own shoulders.
     Strong motivation will help you
     survive slowdowns and periods of
     burnout.
   • How will the business affect your
     family? The first few years of business
     start-up can be hard on family life. It's
     important for family members to know
     what to expect and for you to be able to
     trust that they will support you during
     this time. There also may be financial
     difficulties until the business becomes
     profitable, which could take months or
     years. You may have to adjust to a
     lower standard of living or put family
     assets at risk.


Visit us online: www.sba.gov/fl/north                                                             NORTH FLORIDA Small Business Resource —   15
trade name, trademark and/or support
system provided by the franchisor. But
                                                  Home-baseD businesses                              sanitary or medical products and toys.
                                                                                                     Some states also prohibit home-based
                                                     Going to work used to mean traveling            businesses from making food, drink or
you operate as an independent                     from home to a plant, store or office.
contractor with the ability to make a                                                                clothing.
                                                  Today, many people do some or all their           Be sure to consult an attorney and
profit or sustain a loss commensurate             work at home.                                  your local and state departments of
with your ownership.                                 Garages, basements and attics are
                                                                                                 state, labor and health to find out which
   If you are concerned about starting an         being transformed into the corporate
                                                                                                 laws and regulations will affect your
independent business venture, then                headquarters of the newest
                                                  entrepreneurs – home-based business            business. Additionally, check on
franchising may be an option for you.                                                            registration and accounting
Remember that hard work, dedication               owners.
                                                                                                 requirements needed to open your home-
and sacrifice are key elements in the                                                            based business. You may need a work
                                                  Getting Started
success of any business venture,                                                                 certificate or license from the state.
                                                     Before diving headfirst into a home-
including a franchise.                            based business, you must know why you          Your business name may need to be
   For more information visit the SBA             are doing it. To succeed, your business        registered with the state. A separate
Web site at: http://www.sba.gov/small             must be based on something greater             business telephone and bank account are
businessplanner/start/ and click on “Buy a        than a desire to be your own boss. You         good business practices.
Franchise” from the menu on the right             must plan and make improvements and               Also remember, if you have employees
side or call your local SBA office.               adjustments along the road.                    you are responsible for withholding
                                                     Working under the same roof where           income and social-security taxes, and for
                                                  your family lives may not prove to be as       complying with minimum wage and
                                                  easy as it seems. It’s important to work       employee health and safety laws.
                                                  in a professional environment. One                If you’re convinced that opening a
     SMALL BUSINESS ADMINISTRATION                                                               home-based business is for you, it’s time
                                                  suggestion is to set up a separate office
      NORTH FLORIDA DISTRICT OFFICE               in your home to create this professional       to create your business plan. The SBA
   TOTAL LOANS BY COUNTY FY2009                   environment.                                   and its resource partners, such as
  County      Number            Dollar Amount        Ask yourself these questions – and          SCORE, SBDCs, VBOCs and WBCs can
              of Loans                            remember, there are no best or right           help make the process easier.
  ALACHUA     33                $6,171,200.00     reasons for starting a home-based
  BAKER       3                 $318,500.00       business. But it is important to               WritinG a business plan
  BAY         21                $5,418,900.00     understand what the venture involves:
                                                    • Can I switch from home responsibilities       After you’ve thought about what type
  BRADFORD    2                 $865,000.00
                                                      to business work?                          of business you want, the next step is to
  CALHOUN     1                 $205,000.00         • Do I have the self-discipline to           develop a business plan. Think of the
  CITRUS      15                $3,881,100.00         maintain schedules?
                                                    • Can I deal with the isolation of
                                                                                                 business plan as a roadmap with
  CLAY        25                $5,907,600.00
  COLUMBIA    8                 $2,064,100.00         working from home?                         milestones for the business. It begins as
  DUVAL       155               $51,709,000.00
                                                    • Am I a self-starter?                       a pre-assessment tool to determine
  ESCAMBIA    30                $11,407,024.00                                                   profitability and market share, then
                                                  Finding Your Niche                             expands as an in-business assessment
  FLAGLER     17                $2,286,000.00       Choosing a home business must be
  FRANKLIN    3                 $485,000.00                                                      tool to determine success, obtain
                                                  approached carefully.                          financing and determine repayment
  GULF        1                 $1,742,000.00
  HERNANDO    17                $4,489,300.00     Ask yourself:                                  ability, among other factors.
  JACKSON     2                 $75,000.00          • Does my home have the space for a             Creating a comprehensive business
  LAKE        40                $13,456,800.00        business?                                  plan can be a long process, and you need
  LEON        18                $11,678,500.00      • Can I identify and describe the            good advice. The SBA and its resource
                                                      business I want to establish?
  LEVY        1                 $92,000.00
                                                    • Can I identify my business product or
                                                                                                 partners, including Small Business
  MADISON     3                 $68,500.00            service?                                   Development Centers, Veterans
  MARION      32                $4,956,600.00       • Is there a demand for that product or      Business Outreach Centers, SCORE and
  NASSAU      19                $5,955,600.00         service?                                   Women’s Business Centers, have the
                                                    • Can I successfully run the business
  OKALOOSA    30                $8,546,700.00
                                                      from home?                                 expertise to help you craft a winning
  ORANGE      161               $65,316,047.00                                                   business plan.
  PUTNAM      2                 $116,000.00       Legal Requirements                                In general, a good business plan
  SAINT JOHNS 37                $11,616,200.00       A home-based business is subject to         contains:
  SANTA ROSA 13                 $2,576,300.00     many of the same laws and regulations
  SEMINOLE    47                $11,879,400.00    affecting other businesses.
                                                                                                 Introduction
  SUMTER      5                 $721,700.00                                                        • Give a detailed description of the
                                                  Some general areas include:                        business and its goals.
  SUWANNEE    1                 $25,000.00          • Zoning regulations. If your business
  TAYLOR      1                 $686,000.00                                                        • Discuss ownership of the business and
                                                      operates in violation of them, you could       its legal structure.
  VOLUSIA     60                $15,862,200.00        be fined or shut down.                       • List the skills and experience you
  WAKULLA     2                 $417,500.00         • Product restrictions. Certain products         bring to the business.
  WALTON      15                $3,503,400.00         cannot be produced in the home. Most         • Discuss the advantages you and your
  WASHINGTON 1                  $50,000.00            states outlaw home production of               business have over competitors.
  TOTAL:      821               $254,549,171.00       fireworks, drugs, poisons, explosives,


16 — Small Business Resource   NORTH FLORIDA                                                                     Visit us online: www.sba.gov/fl/north
Marketing                                     and development of the Northeast         new jobs and secure millions in capital
   • Discuss the products and services your   Florida small business community.        investment.
     company will offer.                      The Small Business Center (SBC) has         The Small Business Center (SBC)
   • Identify customer demand for your        helped to launch start-up businesses     offers workshops including business
     products and services.                   and assisted existing businesses to      start-up, financing, business plan
   • Identify your market, its size and       thrive and grow.                         writing and many other topics to assist
     locations.                                 The mission of the Small Business      clients. The center also offers one-on-
   • Explain how your products and            Center (SBC) is “ to provide             one counseling on how to do business
     services will be advertised and          entrepreneurial education, access to     with local, state and federal
     marketed.                                mentoring and counseling, and            government agencies. The Small
   • Explain your pricing strategy.           resources and networks, for aspiring,    Business Center (SBC) has specialized
                                              emerging, growing and accomplished       small business counselors to meet with
Financial Management                          business owners in Northeast             you in a one-on-one setting to assess
   • Develop an expected return on
     investment and monthly cash flow for
                                              Florida.”. “The SBC positively impacts   your needs, guide you through the
     the first year.                          businesses, creating a prosperous        available resources and help you
   • Provide projected income statements,     community”. This center provides         develop goals and a business plan. The
     and balance sheets for a two-year        comprehensive support, training and      Small Business Center (SBC) houses a
     period.                                  assistance to Jacksonville and the       business library that provides clients
   • Discuss your break-even point.           surrounding communities through a        with all the tools necessary to expand
   • Explain your personal balance sheet      cooperative initiative between the       or start a business. These tools include
     and method of compensation.              center’s resources. Aspiring and         state-of-the-art personal computers,
   • Discuss who will maintain your           existing business owners have access     Internet access, access to market
     accounting records and how they will     to a personal business advisor,          research databases and a vast
     be kept.                                 research tools and resources,            business library with how-to books.
   • Provide “what if” statements             networking groups and business-          Between the counseling and
     addressing alternative approaches to     related workshops and seminars. Each     technology, the Small Business Center
     potential problems.                      year the Small Business Center (SBC)     provides a substantial resource to the
                                              programs and services benefit            Jacksonville business community. The
Operations                                    thousands of entrepreneurs and small     Small Business Center counseling
   • Explain how the business will be         business owners to create hundreds of    resources include:
     managed day-to-day.
   • Discuss hiring and personnel
     procedures.
   • Discuss insurance, lease or rent
     agreements, and issues pertinent to
     your business.
   • Account for the equipment necessary
     to produce your goods or services.
   • Account for production and delivery of
     products and services.

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

Small Business Center (SBC)
   The SBA is one of the resources at
the Small Business Center (SBC). The
SBC is a program of the Jacksonville
Regional Chamber of Commerce,
however, Chamber membership is not
required to utilize their services. In
2009 , the Small Business Center
(SBC) mark the 16th year, and since
its inception, the center has played a
powerful role in shaping the growth

Visit us online: www.sba.gov/fl/north                                                      NORTH FLORIDA Small Business Resource —   17
  • U.S. Small Business Administration         New Location Starting April 2011:              SBA also reaches out to women
  • Jacksonville SCORE Chapter                    3201 East Colonial Dr., Ste. 820         entrepreneurs through women’s
  • Jacksonville Women's Business Center          Orlando FL 32803-5140                    business ownership representatives in
  • Florida Procurement Technical                 407-420-4848                             every SBA district office who coordinate
    Assistance Center (PTAC)                      www.disneyec.com
                                                                                           services, provide access to business
  • Green Team Project                           The SBA Area Manager for Central
  • Beaver Street Enterprise Center                                                        training and counseling, to credit and
                                               Florida maintains an office close to the    capital, and marketing opportunities,
  • City of Jacksonville - Equal Business
                                               Disney Entrepreneur Center and he is        including federal contracts.
    Opportunity Office
  • Family Foundations                         active in serving their clients (please        The women’s business center in North
  • Small Business Development Center          call to request an appointment). He is:     Florida is located in Jacksonville. For
    (SBDC) - University of North Florida       Ed Ramos                                    additional information, contact:
  • Small Business Resource Network               SBA Central Florida Area Manager
    (SBRN)                                        200 E. Robinson St., Ste. 1270           SBA North Florida Women’s
  Clients are encouraged to attend a              Orlando, FL 32801                        Representative
new client orientation, offered several           407-648-2891
                                                                                              Donna Padgug
                                                  Jose.ramos@sba.gov
times monthly, to help you become                                                             904-443-1971
familiar with our latest tools and                                                            donna.padgug@sba.gov
programs.                                      reacHinG unDerserveD
  The Small Business Center (SBC) is
located at 3 Independent Dr.,
                                               auDiences                                   Jacksonville Women's Business Center
                                                                                              A program of the Jacksonville Regional
Jacksonville, FL 32202. The center is          Women business owners                          Chamber of Commerce
                                                                                              3 Independent Dr.
open Monday – Friday, 8:30 a.m. –                 Women entrepreneurs are changing            Jacksonville, FL 32202-5004
4:30 p.m. For more information call            the face of America's economy. In the          Pat Blanchard, Director
the Center’s Manager, Shirley Moore            1970s, women owned less than five              904-366-6640 • 904-366-6604 Fax
904-366-6618 or visit:                         percent of the nation’s businesses.            pat.blanchard@myjaxchamber.com
www.opportunity Jacksonville.com.              Today, they are majority owners of about       www. JaxWBC.com
                                               a third of the nation’s small businesses       The Jacksonville Women's Business Center
Disney Entrepreneur Center                     and are at least equal owners of about
                                                                                              provides mentoring, training, counseling,
   Founded in 2003 by a combination of                                                        and networking opportunities that advance
federal, state, local and private sector       half of all small businesses. SBA serves       the success of women entrepreneurs at
efforts, the Disney Entrepreneur               women entrepreneurs nationwide                 every stage of business development:
Center is a unique public/private              through its various programs and               aspiring, emerging, growing and
partnership dedicated to the                   services, some of which are designed           accomplished. The JWBC serves women
                                                                                              business owners in a seven-county region
development, growth and success of             especially for women.                          consisting of Baker, Clay, Duval, Flagler,
small businesses. By combining a                  The SBA’s Office of Women’s Business        Nassau, Putnam and St. Johns.
variety of business support                    Ownership serves as an advocate for
organizations, one central location
houses both fundamental and
                                               women-owned business and oversees a
                                               nationwide network of more than a
                                                                                           veterans anD reservists
advanced business assistance for
                                               hundred women’s business centers that       business Development
entrepreneurs. The Disney
                                               provide business training, counseling         The SBA offers a variety of services to
Entrepreneur Center supports the
                                               and mentoring geared specifically to        American veterans who have made or
“Economic Gardening” approach which
focuses on the growth of existing small        women, especially those who are socially    are seeking to make the transition from
businesses within our Region.                  and economically disadvantaged. The         service member to small business owner.
   The Service Providers of the Disney         program is a public-private partnership     Each of SBA's 68 district offices has
Entrepreneur Center offer professional         with locally-based nonprofits and each      designated a veterans business
business assistance, quality                                                               development officer to help veterans
                                               tailors its services to meet the needs of
educational programming and access                                                         prepare, plan and succeed in
                                               its community. Women’s Business
to practical industry expertise. From                                                      entrepreneurship.
                                               Centers serve a wide diversity of
FREE One on One Business
                                               geographic areas, population densities,
Counseling, Low Cost Business                                                              Veterans Business Outreach
Seminars, Access to Capital to Power           and economic environments, including
                                                                                           Centers
Networking opportunities you can find          urban, suburban, and rural. Local
                                                                                             Sixteen Veterans Business Outreach
the assistance you need to help your           economies vary from depressed to
                                                                                           Centers located in California, Florida,
business grow. The center’s hours of           thriving, and range from metropolitan
                                                                                           Guam, Louisiana, Massachusetts,
operations are Monday thru Friday              areas to entire states. Each Women’s
from 8:30am to 5:00pm – closed on                                                          Michigan, Missouri, New Jersey, New
                                               Business Center tailors its services to
most Federal Holidays.                                                                     Mexico, New York, North Carolina,
                                               the needs of its individual community,
  For More Information visit us on the                                                     North Dakota, Pennsylvania, Texas, and
                                               but all offer a variety of innovative
web at: www.disneyec.com.                                                                  Washington provide online and face to
                                               programs, often including courses in
CONTACT INFORMATION:                                                                       face entrepreneurial development
                                               different languages. They provide
Disney Entrepreneur Center                                                                 services for veterans and reservists such
    One Landmark Center                        training in finance, management,
                                                                                           as business training, counseling and
    315 E. Robinson St., Ste. 100              marketing, and the Internet, as well as
                                                                                           mentoring, pre-business plan workshops,
    Orlando, FL 32801                          access to all of the SBA’s financial and
    407-420-4848                                                                           feasibility analysis, and referrals to
                                               procurement assistance programs.
                                                                                           additional small business resources.

18 — Small Business Resource   NORTH FLORIDA                                                                 Visit us online: www.sba.gov/fl/north
   During fiscal 2009, SBA’s veterans         Work. Veterans may access these                The Veterans Business Outreach Center
business ownership specialists counseled      resources and other assistance from            (VBOC)
or trained 122,901 veteran                    OVBD by visiting the Web site at:                 Brent Peacock, Director
                                                                                                2500 Minnesota Ave.
entrepreneurs. To learn more about the        www.sba.gov/VETS/.                                Lynn Haven, FL 32444
Veterans Business Outreach program or           For more information or special                 850-271-1108 or 800-542-7232
find the nearest SBA VBOC, visit the          assistance with government contracting,           850-271-1109 Fax
SBA Web site at www.sba.gov/vets.             including programs for veterans and               vboc@knology.net
   OVBO also partners with the                service-disabled veterans, please check           www.vboc.org
Entrepreneurship Boot Camp for                the Contracting Opportunities section of
Veterans With Disabilities at Syracuse        this publication, and the Web site above.      native american business
University, University of Connecticut,          SBA’s Patriot Express Initiative has         Development
Florida State University, Texas A&M           new and enhanced programs and
                                                                                                The SBA is also working to ensure
University, UCLA and Purdue to                services for veterans and members of the
                                                                                             that entrepreneurship opportunities are
prepare service-disabled veterans for         military community wanting to establish
                                                                                             available for American Indians, Native
business ownership..                          or expand small businesses. See the
                                                                                             Alaskans and Native Hawaiians seeking
   SBDCs and SCORE also provide               Financing section for more information
                                                                                             to create, develop and expand small
targeted management assistance to             on Patriot Express.
                                                                                             businesses. These groups have full
veterans who are current or prospective
                                              SBA North Florida District Office              access to the necessary business
small business owners. SCORE also
                                                 Ron Van Johnson, Veterans Affairs Officer   development and expansion tools
provides resources and counseling
                                                 904-443-1965                                available through the agency’s
services online at: www.score.org.               ronald.johnson@sba.gov                      entrepreneurial development, lending
   The SBA offers special assistance for
                                                                                             and procurement programs. More
small businesses owned by activated
                                                                                             information is at: http://www.sba.gov/
Reserve and National Guard members.
                                                                                             aboutsba/sbaprograms/naa/index.html.
Any self-employed Reserve or Guard
member with an existing SBA loan can
request from their SBA lender or SBA
district office, loan payment deferrals,
interest rate reductions and other relief
after they receive their activation orders.
   Additionally, the SBA offers special
low-interest-rate financing to small
businesses when an owner or essential
employee is called to active duty. The
Military Reservist Economic Injury
Disaster Loan Program provides loans
up to $2 million to eligible small
businesses to cover operating costs that
cannot be met due to the loss of an
essential employee called to active duty
in the Reserves or National Guard.
Small businesses may apply for
MREIDLs of up to $2 million if they
have been financially impacted by the
loss of an essential employee. The SBA
has created a special Web page
specifically for Reserve and Guard
members at: http://www.sba.gov/
aboutsba/sbaprograms/reservists/index.html.
   To ensure that veterans, service-
disabled veterans and Reserve and
National Guard member entrepreneurs
receive special consideration in all its
entrepreneurial programs and resources,
the SBA has established an Office of
Veterans Business Development. OVBD
develops and distributes informational
materials for entrepreneurship such as
the Veterans Business Resource Guide,
VETGazette, Getting Veterans Back to


Visit us online: www.sba.gov/fl/north                                                             NORTH FLORIDA Small Business Resource —   19
                                                      REGULATIONS

                        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.
           ven if your consulting service        “Feature Topics” focuses on common



E
                                                                                            Partnerships are subject to relatively
           or hand-knit sweater business       business concerns. It provides context to    little regulation and are fairly easy to
           is based from your home, it         the compliance information provided on       establish. A formal partnership
           will have to comply with many       the site and helps business owners           agreement is recommended to address
           of the numerous local, state,       understand in plain language the             potential conflicts such as: who will be
and federal regulations. Avoid the             regulatory requirements their businesses     responsible for performing each task;
temptation to ignore regulatory details.       face. Additional topics are added on a       what, if any, consultation is needed
Doing so may avert some red tape in the        regular basis in response to the most        between partners before major decisions,
short term, but could be an obstacle as        frequent searches on the site.               and what happens when a partner dies.
your business grows. Taking the time to          (NOTE: Business.gov will soon be           Under a general partnership each
research the applicable regulations is as      incorporated into the SBA website.           partner is liable for all debts of the
important as knowing your market. Bear         Some Web addresses for specific pages        business. Profits are taxed as income to
in mind that regulations vary by               may change.)                                 the partners based on their ownership
industry. If you're in the food-service                                                     percentage.
business, for example, you will have to
deal with the health department. If you
                                               business orGanization
                                                 There are many forms of legal              Limited Partnership
use chemical solvents, you will have                                                          Like a general partnership, a limited
environmental compliances to meet.             structure you may choose for your
                                               business. Each legal structure offers        partnership is established by an
Carefully investigate the regulations                                                       agreement between two or more persons.
that affect your industry. Being out of        organizational options with different tax
                                               and liability issues. We suggest you         However, there are two types of
compliance could leave you unprotected                                                      partners.
legally, lead to expensive penalties and       research each legal structure thoroughly
                                                                                              • A general partner has greater control
jeopardize your business.                      and consult a tax accountant and/or
                                                                                                in some aspects of the partnership. For
                                               attorney prior to making your decision.
                                                                                                example, only a general partner can
business.Gov                                   cHoosinG Your business
                                                                                                decide to dissolve the partnership.
                                                                                                General partners have no limits on the
   Business.gov provides a one-stop shop
for federal resources from the agencies        structure                                        dividends they can receive from profit
                                                                                                so they incur unlimited liability.
that regulate or serve businesses.                You may operate your business under         • Limited partners can only receive a
   While most businesses in the United         one of many organizational structures.           share of profits based on the
States are required to obtain a permit,        The most common organizational                   proportional amount on their
professional license, or identification        structures are sole proprietorships,             investment, and liability is similarly
number to operate, finding the right           general and limited partnerships, “C”            limited in proportion to their
license can be a major challenge for           and “S” corporations and limited liability       investment.
potential business owners.                     companies.
Business.gov’s “Permit Me” feature                Each structure offers unique tax and      “C” Corporation
provides a single source for obtaining         liability benefits. If you’re uncertain        A “C” corporation is a legal entity
information about federal and state            which business format is right for you,      created under state law by the filing of
permits and professional licenses for          you may want to discuss options with a       articles of incorporation. A corporation is
businesses.                                    business counselor or attorney.              a separate entity having its own rights,
                                                                                            privileges and liabilities, apart from

20 — Small Business Resource   NORTH FLORIDA                                                                 Visit us online: www.sba.gov/fl/north
those of the individual(s) forming the
corporation. It’s the most complex form
                                              business insurance                             Property – There are many different
                                                                                           types of property insurance and levels of
of business organization and is                  Like home insurance, business             coverage available. It is important to
comprised of shareholders, directors and      insurance protects your business against     determine the property you need to
officers. Since the corporation is a          fire, theft and other losses. Contact your   insure for the continuation of your
separate legal entity in its own right it     insurance agent or broker. It is prudent     business and the level of insurance you
can own assets, borrow money and              for any business to purchase a number        need to replace or rebuild. You must also
perform business functions without            of basic types of insurance. Some types      understand the terms of the insurance,
directly involving the owners.                of coverage are required by law, other       including any limitations or waivers of
Corporations are subject to more              simply make good business sense. The         coverage.
government regulation and offer the           types of insurance listed below are            Business Interruption – While
owners the advantage of limited liability,    among the most commonly used and are
but not total protection from lawsuits.                                                    property insurance may pay enough to
                                              merely a starting point for evaluating       replace damaged or destroyed equipment
                                              the needs of your business.                  or buildings, how will you pay costs such
Subchapter “S” Corporation                       Liability Insurance – Businesses may
  Subchapter “S” references a special                                                      as taxes, utilities and other continuing
                                              incur various forms of liability in          expenses during the period between
part of the Internal Revenue Code that        conducting their normal activities. One
permits a corporation to be taxed as a                                                     when the damage occurs and when the
                                              of the most common types is product          property is replaced? Business
partnership or sole proprietorship, with      liability, which may be incurred when a
profits taxed at the individual, rather                                                    Interruption (or "business income")
                                              customer suffers harm from using the         insurance can provide sufficient funds to
than the corporate rate. A business
                                              business product. There are many other       pay your fixed expenses during a period
must meet certain requirements for
                                              types of liability, which are frequently     of time when your business is not
Subchapter “S” status. Contact the IRS
for more information.                         related to specific industries. Liability    operational.
                                              law is constantly changing. An analysis        "Key Man" – If you (and/or any other
LLCs and LLPs                                 of your liability insurance needs by a       individual) are so critical to the
   The limited liability company is a         competent professional is vital in           operation of your business that it cannot
relatively new business form. It              determining an adequate and                  continue in the event of your illness or
combines selected corporate and               appropriate level of protection for your     death, you should consider "key man"
partnership characteristics while still       business.                                    insurance. This type of policy is
maintaining status as a legal entity
distinct from its owners. As a separate
entity it can acquire assets, incur
liabilities and conduct business. It limits
liability for the owners. The limited
liability partnership is similar to the
LLC, but it is for professional
organizations.

loGistics oF startinG Your
business
business licenses
  There are many types of licenses, both
state and local as well as professional.
Depending on what you do and where
you plan to operate, your business may
be required to have various state and/or
municipal licenses, certificates or
permits.
  Licenses are typically administered by
a variety of state and local departments.
Consult your state or local government
for assistance.

Fictitious business name
  Registering your business name, after
doing a search to make sure that it is
not already in use, protects you from
others who might want to use the same
name. For more information, contact the
county clerk’s office in the county where
your business is based. If you are a
corporation, you’ll need to check with the
state.


Visit us online: www.sba.gov/fl/north                                                           NORTH FLORIDA Small Business Resource —   21
frequently required by banks or
government loan programs. It also can
                                                 FeDeral                                       irs Web proDucts For
be used to provide continuity in                 selF-emploYment tax                           small businesses
operations during a period of ownership             Every employee must pay Social                For the most timely and up-to-date
transition caused by the death,                  Security and Medicare coverage. If you        tax information, consult the Small
incapacitation or absence due to a Title         are self-employed, your contributions are     Business Resource Guide (SBRG),
10 military activation of an owner or            made through the self-employment tax.         formerly a CD-ROM, is available
other "key" employee.                               The IRS has publications, counselors       exclusively online at
   Automobile – It is obvious that a             and workshops available to help you sort      http://www.irs.gov/businesses/small/index.html.
vehicle owned by your business should            it out. For more information, contact the        Designed to equip small business
                                                 IRS at 800-829-1040.                          owners with the skills and knowledge
be insured for both liability and
                                                                                               needed to successfully start and manage
replacement purposes. What is less
                                                                                               a business, The SBRG covers a wide
obvious is that you may need special             sales tax exemption                           range of tax topics Web links to business
insurance (called "non-owned automobile
coverage") if you use your personal
                                                 certiFicate                                   forms, publications, other useful
                                                    If you plan to sell products, you will     governmental Web sites, and much
vehicle on company business. This policy                                                       more.
                                                 need a Sales Tax Exemption Certificate.
covers the business' liability for any
                                                 It allows you to purchase inventory, or
damage which may result for such                                                               New IRS Applications Make Tax
                                                 materials, which will become part of the
usage.
                                                 product you sell, from suppliers without      Information More Accessible to
   Officer and Director – Under most             paying taxes. It requires you to charge
state laws, officers and directors of a
                                                                                               Small Businesses and the
                                                 sales tax to your customers, which you        Self-employed
corporation may become personally                are responsible for remitting to the state.
liable for their actions on behalf of the                                                         Maximizing the Web’s convenience,
                                                 You will have to pay penalties if it is       accuracy and speed, IRS.gov, IRS’s web
company. This type of policy covers this         found that you should have been taxing        site, now assists millions of individual
liability.                                       your products and now owe back taxes to       taxpayers, tax professionals, and small
   Home Office – If you are establishing         the state. For information on sales tax       business owners to better understand
an office in your home, it is a good idea        issues, contact your state’s government.      and meet their tax responsibilities.
to contact your homeowners' insurance
company to update your policy to include
coverage for office equipment. This              FeDeral income tax                            Updated Virtual Small Business Tax
coverage is not automatically included in           Like the state income tax, the method      Workshop
                                                 of paying federal income taxes depends          The IRS’s Virtual Small Business Tax
a standard homeowner's policy.
                                                                                               Workshop (http://www.tax.gov/virtualwork
                                                 upon your legal form of business.
                                                                                               shop) is an interactive resource to help
                                                    Sole Proprietorship: You must file
emploYer iDentiFication                          IRS Federal Form Schedule C along
                                                                                               small business owners learn about their
                                                                                               federal tax rights and responsibilities.
number                                           with your personal Federal Income Tax         This dynamic educational product,
   An EIN, also known as a federal tax           return (Form 1040) and any other              available online and on CD 24/7 from
identification number, is used to identify       applicable forms pertaining to gains or       your computer, consists of nine stand-
a business entity. Generally all                 losses in your business activity.             alone lessons that can be selected and
businesses need an EIN. You may apply               Partnership: You must file a Federal       viewed in any sequence. A bookmark
for an EIN in a variety of ways,                 Partnership return (Form 1065). This is       feature makes it possible to leave and
including online, phone, fax. Taxpayers          merely informational to show gross and        return to a specific point within the
can obtain an EIN immediately by                 net earnings of profit and loss. Also, each   lesson. Users also have access to a list of
calling 800-829-4933, Monday through             partner must report his share of              useful online references that enhance
Friday, from 7:30 a.m. to 5:30 p.m.              partnership earnings on his individual        the learning experience by allowing
customer's local time.                           Form 1040 based on the information            them to view references and the video
   Taxpayers can fax EIN requests seven          from the K-1 filed with the Form 1065.        lessons simultaneously.
days a week/24 hours a day by dialing               Corporation: You must file a Federal         The Virtual Small Business Tax
the fax number to one of three IRS               Corporation Income Tax return (Form           Workshop is the first of a series of video
campuses that accept applications. The           1120). You will also be required to report    products designed exclusively for small
instructions on the newly revised Form           your earnings from the corporation            business taxpayers. A new companion
SS-4, Application for Employer ID                including salary and other income such        series called, “Your Guide to an IRS
Number, indicate which IRS Campus is             as dividends on your personal federal         Audit” is in development with plans for a
assigned to their specific state. Faxed          income tax return (Form 1040).                summer 2010 launch.
applications are processed in four days.
                                                                                               IRS.gov Now Features Audio and
Detailed information and an electronic
SS-4 can be found at the IRS Small
                                                 FeDeral paYroll tax                           Video
Business/Self Employed Community                    Federal Withholding Tax: Any                 IRS is augmenting its curriculum of
Web site at: http://www.irs.gov/businesses/      business employing a person must              online learning and educational
small/index.html, click on New Businesses.       register with the IRS and acquire an          products for the small business
   EINs are also issued automatically            EIN and pay federal withholding tax at        community by developing new live
online. Visit the IRS Web site,                  least quarterly. File Form SS-4 with IRS      broadcasting, phone forums and
http://www.irs.gov/businesses/small/article/0,   to obtain number and required tax             webinars, and offering audio and video
,id=102767,00. html for more information.        forms. Call 800-829-3676 or 800-829-          presentations.
                                                 1040 if you have questions.

22 — Small Business Resource   NORTH FLORIDA                                                                      Visit us online: www.sba.gov/fl/north
Testing Social Media                               social securitY carDs                        North Florida Small Business/Self
                                                                                                Employed Division of the Internal
   The IRS has launched a YouTube                     All employees must have a social
video site at YouTube - irsvideos's                                                             Revenue Service
                                                   security card. It must be signed by its         Samuel F. Froio
Channel and an iTunes podcast to help              owner, and you should always ask to see         Internal Revenue Service
taxpayers take full advantage of the               and personally record the social security       Stakeholder Liaison
2009 tax provisions in the American                number. Failure to do so may cause your         Jacksonville, FL 32202
Recovery and Reinvestment Act.                     employee to lose benefits and                   904-665-0776 • 904-665-1881 Fax
The IRS YouTube channel debuted with               considerable trouble for yourself in back       sam.froio@irs.gov
seven Recovery videos in English and               tracking to uncover the error.
American Sign Language and eight in                   Each payday, your employees must          Social Security Administration
Spanish plus other languages.                      receive a statement from you telling            800-772-1213
People without an iTunes account can               them what deductions were made and              http://www.ssa.gov
hear those same podcasts, in English               how many dollars were taken out for
                                                   each legal purpose. This can be              Federal Withholding
and Spanish, on IRS.gov’s Multimedia                                                               U.S. Internal Revenue Service
                                                   presented in a variety of ways, including
Center. People can also visit the audio                                                            800-829-1040
                                                   on the check as a detachable portion or
site at iTunes to listen to IRS podcasts           in the form of an envelope with the
                                                                                                   http://www.irs.gov
about ARRA tax credits.                            items printed and spaces for dollar
   To get the most timely IRS news and             deductions to be filled in.                  Social Security’s Business Services
information about products and services                                                         Online
for small businesses and the self-                 emploYee consiDerations                       The Social Security Administration
employed, subscribe to e-News on IRS.gov           Taxes                                        now provides free electronic services
at: http://www.irs.gov/businesses/small/article/      If you have any employees, including      online at:
0,,id=154825,00.html, click “Subscribe             officers of a corporation but not the sole   www.socialsecurity.gov/employer/. Once
Now” at the bottom of the page and                 proprietor or partners, you must make        registered for Business Services Online,
enter your e-mail address.                         periodic payments of, and/or file            business owners or their authorized
                                                   quarterly reports about payroll taxes
                                                                                                representative can:
                                                   and other mandatory deductions. You            • file W-2s online; and
                                                   may contact these government agencies
                                                   for information, assistance and forms.




Visit us online: www.sba.gov/fl/north                                                                NORTH FLORIDA Small Business Resource —   23
  • verify Social Security Numbers through
    the Social Security Number Verification
                                               Administration outlines specific health
                                               and safety standards adopted by the
                                                                                                  state reGistration oF a
    Service, used for all employees prior to   U.S. Department of Labor.                          traDemark
    preparing and submitting Forms W-2.                                                           Trademarks and service marks may be
Federal Withholding
    U.S. Internal Revenue Service              builDinG coDes, permits                            registered in a state.
                                               anD zoninG
                                                                                                  State Trademark
    800-829-1040                                                                                       850-245-6051
    http://www.irs.gov                            It is important to consider zoning                   www.sunbiz.org
                                               regulations when choosing a site for your          Caution: Federally registered
Employee Insurance                             business. You may not be permitted to              trademarks may conflict with and
  If you hire employees you may be             conduct business out of your home or               supersede state registered business and
required to provide unemployment or            engage in industrial activity in a retail          product names.
workers’ compensation insurance.               district. Contact the business license
                                               office in the city or town where the               Patents
                                               business is located.
Workplace proGram                                                                                    A patent is the grant of a property
  Americans with Disabilities (ADA):                                                              right to the inventor by the U.S. Patent
For assistance with the ADA, call 800-         bar coDinG                                         and Trademark Office. It provides the
                                                                                                  owner with the right to exclude others
669-3362 or visit: http://www.ada.gov.            Many stores require bar coding on               from making, using, offering for sale or
                                               packaged products. Many industrial and             selling the patented item in the United
u.s. citizensHip anD                           manufacturing companies use bar coding
                                               to identify items they receive and ship.
                                                                                                  States.
immiGration services                           There are several companies that can
                                                                                                     Additional information is provided in
                                                                                                  the publications, General Information
   The Federal Immigration Reform and          assist businesses with bar-coding needs.           Concerning Patents and other
Control Act of 1986 requires employers         You may want to talk with an SBDC,                 publications distributed through the
to verify employment eligibility of new        SCORE or WBC counselor for more                    U.S. Patent and Trademark Office. For
employees. The law obligates an                information.                                       more information, contact the:
employer to process Employment                                                                    U.S. Patent and Trademark Office
Eligibility Verification Form I-9. The         Federal Registration of Trademarks                      800-786-9199 • http://www.uspto.gov
U.S. Citizenship and Immigration               and Copyrights
Services Office of Business Liaison offers
                                                 Trademarks or service markets are                Copyrights
a selection of information bulletins and                                                             Copyrights protect original works of
live assistance through the Employer           words, phrases, symbols, designs or
                                               combinations thereof that identify and             authorship including literary, dramatic,
Hotline. For forms call 800-870-3676, for                                                         musical and artistic, and certain other
the Employer Hotline call 800-357-2099.        distinguish the source of goods.
                                                                                                  intellectual works. Copyright does not
                                               Trademarks may be registered at both
                                                                                                  protect facts, ideas and systems,
E-Verify: Employment Eligibility               the state and federal level. To register a         although it may protect the way these
Verification                                   federal trademark, contact:                        things are expressed. For general
   E-Verify, operated by the Department        U.S. Patent and Trademark Office:                  information contact:
                                                  P.O. Box 1450
of Homeland Security in partnership                                                               U.S. Copyright Office
                                                  Alexandria, VA 22313-1450
with the Social Security Administration,          800-786-9199
                                                                                                       U.S. Library of Congress
is the best--and quickest--way for                http://www.uspto.gov/
                                                                                                       James Madison Memorial Building
employers to determine the employment                                                                  Washington, DC 20559
                                               Trademark Information Hotline                           202-707-9100 - Order Line
eligibility of new hires. It is a safe,           703-308-9000                                         202-707-3000 - Information Line
simple, and secure Internet-based                                                                      www.copyright.gov
system that electronically verifies Social
Security number and employment
eligibility information reported on Form
I-9. E-Verify is voluntary in most states
and there is no charge to use it.
   If you are an employer or employee
and would like more information about
the E-Verify program, please visit:
www.dhs.gov/E-Verify or contact our
Customer Support staff: 1-888-464-4218
Monday – Friday 8 am – 5 pm.
E-mail: e-verify@dhs.gov

saFetY & HealtH                                                                             • Faster, better search capabilities
reGulations                                     SBA’S WEBSITE
  All businesses with employees are                                                         • Information tailored to your needs
required to comply with state and                                                           • News about SBA programs & services
                                                Watch for the SBA’s Improved
federal regulations regarding the
                                                Website Soon, Featuring:
protection of employees. The                                                                Some pages may change URLs on the upgraded site. Please
Occupational Safety and Health                                                              consult www.sba.gov or your local SBA district office for
                                                                                            assistance.


24 — Small Business Resource   NORTH FLORIDA                                                                              Visit us online: www.sba.gov/fl/north
                                              FINANCING & SURETY BONDS

                                   GETTING APPROVED
                                        Financing Options to Start or Grow Your Business
                                                                                               CapitalSouth Partners Fund I & II, L.P.
                                                                                                  David Reed
                                                                                                  712 S. Oregon Ave., Ste. 200
                                                                                                  Tampa, FL 33606
                                                                                                  813-202-8128 • 813-835-4197 Fax
                                                                                                  Investment Criteria
                                                                                                  Investment Size Range
                                                                                                  Preferred Min: $0
                                                                                                  Preferred Max: $0
                                                                                                  Type of Capital Provided
                                                                                                  Funding Stage Preference
                                                                                                  Industry Preference
                                                                                                  Geographic Preferences
                                                                                                  Description of Firm’s Focus

                                                                                               KLH Capital, L.P.
                                                                                                  Mark J. Hunter, Contact
                                                                                                  101 E. Kennedy Blvd., Ste. 3925
                                                                                                  Tampa, FL 33602
                                                                                                  813-222-0160 • 813-315-7031 Fax
                                                                                                  www.KLHCapital.com
                                                                                                  Investment Criteria
                                                                                                  Investment Size Range
                                                   availability of private capital and the




M
                any entrepreneurs need                                                            Preferred Min: $1,500,000
                financial resources to start       needs of small businesses. Licensed and        Preferred Max: $6,000,000
                or expand a small                  regulated by the SBA, SBICs are                Type of Capita Provided
                business themselves and            privately owned and managed                    Majority Equity
                                                   investment funds that make capital             Growth capital (minority eqty.
                must combine what they
                                                   available to qualifying U.S. small             mezz./subordinated debt)
have with other sources of financing.
                                                   businesses through investments or              Funding Stage Preference
These sources can include family and                                                              Positive cash flow for at
                                                   loans. They use their own funds plus
friends, venture-capital financing, and            funds obtained at favorable rates
                                                                                                  least three years.
business loans.                                    through SBA-guaranteed leverage.
                                                                                                  Industry Preference
                                                                                                  We industry agnostic but do avoid the
   This section of the Small Business              SBICs are for-profit firms whose               following industries: start up, high tech.,
Resource guide discusses SBA’s primary             incentive is to share in the success of a      real estate dev.,oil and gas operations, or
business loan and equity financing                 small business. In addition to equity and      new construction busi.
programs. These are: the 7(a) Loan                 debt investments, SBICs provide                Geographic Preferences
Program, the Certified Development                 managerial, operational and technical          Nationwide
Company or 504 Loan Program, the                   assistance. The SBIC Program provides          Description of Firm’s Focus
                                                                                                  KLH is a private investment firm founded to
Microloan Program and the Small                    funding for a broad range of industries        provide entrepreneurs w/capital to facili-
Business Investment Company Program.               and stage of investment. Some SBICs            tate recapitalizations, mgmt. buy-ins, family
The distinguishing features for these              invest in a particular field or industry       successions and other ownership transitions;
programs are the total dollar amounts              while others invest more generally. For        our Principals have invested more than
that can be borrowed, the type of lenders          more information visit:                        $350m in 100 small businesses.
who can provide these loans, the uses for          http://www.sba.gov/inv.
the loan proceeds, and the terms placed            Banyan Mezzanine Fund II, L.P.
                                                      John A. Miller, Contact
                                                                                               small business innovation
on the borrower.                                      1111 Brickell Ave., Ste. 1300            researcH proGram
   Note: The SBA does not offer grants                Miami, FL 33131                             The SBIR Program encourages small
to individual business owners to start                305-755-0376 • 305-755-0377 Fax          businesses to explore their technological
or grow a business.                                   jmiller@banyanmezzanine.com              potential by reserving a specific
                                                      Investment Criteria
                                                                                               percentage of federal research and
small business investment
                                                      Investment Size Range:
                                                      Preferred Min: $0
                                                                                               development funds for small businesses.
                                                                                               The program serves to fund the critical
companY proGram                                       Preferred Max: $0
                                                      Type of Capital Provided                 startup and development stages for a
  There are a variety of alternatives to              Funding Stage Preference                 technology and encourages
bank financing for small businesses. The              Industry Preference                      commercialization of the technology,
Small Business Investment Company                     Geographic Preferences                   product or service. In turn, this
Program fills the gap between the                     Description of Firm’s Focus              stimulates the U.S. economy.


Visit us online: www.sba.gov/fl/north                                                               NORTH FLORIDA Small Business Resource —   25
SBIR Requirements:
   Small businesses must meet the
                                                          Florida Assistance: For assistance
                                                        with locating research opportunities or
                                                                                                            small business
following eligibility criteria to participate           proposals, Florida businesses may
                                                                                                            tecHnoloGY transFer
in the SBIR program.                                    contact:                                            proGram
  • Be 51 percent owned and controlled by               Technological Research & Development                   The STTR program reserves a specific
    one or more individuals who are U.S.                Authority (TRDA)                                    percentage of federal R&D funding for
    citizens or permanent resident aliens                  321-872-1051                                     award to small business and nonprofit
    in the U.S. or be a for-profit business                www.trda.org                                     research institution partners. Small
    concern that is at least 51 percent                                                                     business has long been where innovation
    owned and controlled by another for-                Participating Agencies:                             and innovators thrive. But the risk and
    profit business concern that is at least               Each year, the following eleven federal          expense of conducting serious R&D
    51 percent owned and controlled by
                                                        departments and agencies are required               efforts can be beyond the means of many
    one or more individuals who are
                                                        to reserve a portion of their R&D funds             small businesses. Conversely, nonprofit
    citizens of, or permanent resident
    aliens in, the U.S.
                                                        for award to small business:                        research laboratories are instrumental
  • Be organized for profit.                            Departments of Agriculture; Commerce;               in developing high-tech innovations. But
  • Principal researcher must be employed               Defense; Education; Energy; Health and              frequently, innovation is confined to the
    by small business.                                  Human Services; Homeland Security;                  theoretical, not the practical. STTR
  • Company size cannot exceed 500                      Transportation; Environmental                       combines the strengths of both entities
    employees.                                          Protection Agency; National Aeronautics             by introducing entrepreneurial skills to
  For more information on the SBIR                      and Space Administration; and National              high-tech research efforts. The
Program visit: http://www.sba.gov/                      Science Foundation.                                 technologies and products are
aboutsba/sbaprograms/sbir/index.html.                                                                       transferred from the laboratory to the



           SUCCESS
           S T O R Y            Engineering & Computer Simulations (ECS)                                                                 continued from page 7


    simulation systems providing training to            (SBDC) and local SCORE chapters since the            Since its enactment in 1982, as part of the
    emergency medical personnel and emergency           1980’s. Armstrong took advantage of nearly        Small Business Innovation Development Act,
    management teams on how to operate with             every small business workshop SBDC and            SBIR has helped thousands of small businesses
    other agencies in the case of a natural disaster    SCORE offered in Orlando area to help him         to compete for federal research and
    and simulation training programs to teach           get to where he is today.                         development awards. Their contributions have
    unmanned vehicle operational personnel                 The Florida Small Business Development         enhanced the nation's defense, protected our
    procedures to launch and operate unmanned           Center Network promotes and encourages the        environment, advanced health care, and
    vehicles. The project list for ECS is extensive     creation and growth of small business by          improved our ability to manage information
    and is growing exponentially.                       providing sound business advice through           and manipulate data.
       Mr. Armstrong has always taken incredible        professional no-cost counseling, seminars,           STTR is an important small business
    care of his staff, even in the beginning, most      technical assistance and education for business   program that expands funding opportunities
    challenging years of his business. He deferred      owners and entrepreneurs in one-on-one or         in the federal innovation research and
    his own salary for three years, mortgaged his       group training environments throughout the        development arena. Central to the program is
    home and borrowed money from his family             state. For more information or to find a nearby   expansion of the public/private sector
    members to keep his company afloat and his          SBDC, please visit www.floridasbdc.com.           partnership to include the joint venture
    staff on payroll. After 9/11, Mr. Armstrong            SCORE Counselors to America’s Small            opportunities for small business and the
    was forced to lay off his employees because of      Business is a nonprofit, resource partner with    nation's premier nonprofit research
    his lack of resources to pay them, and because      the SBA offering no-cost counseling for small     institutions. STTR's most important role is to
    of the respect Mr. Armstrong’s staff had for        businesses from volunteers in the business        foster the innovation necessary to meet the
    him, they all stayed on board and worked            community. To find a SCORE office nearest to      nation's scientific and technological challenges
    continuously for four months without pay. He        you, please visit www.score.org.                  in the 21st century.
    has long since repaid the debt to his family, his      Waymon has also utilized the SBA’s Small          Waymon Armstrong’s success with creating
    mortgage company and most importantly, his          Business Innovation Research (SBIR) and the       and growing ECS and what he gives back to
    loyal employees that stayed on board with           Small Business Technology Transfer (STTR)         the community has not gone un-noticed.
    him and still work for him today. ECS               Programs through the U.S. Small Business          Waymon Armstrong has been awarded the
    employs 45 programmers and artists; actively        Administration. He has utilized these             SBA’s National Small Business Person of the
    recruiting from the Central Florida talent pool.    programs several times and believes they have     Year in May, 2010 in Washington DC. This
    ECS expanded its staff by 33% in 2009 and           helped and continue to help him succeed.          Award is given annually by the SBA, and the
    doubled its revenues in 2008. The ECS staff is         SBIR targets the entrepreneurial sector        national winner is selected from 50 State
    provided with full insurance, personal time         because that is where most innovation and         winners in this category. This truly reflects
    off, vacations, on-site massage therapy once a      innovators thrive. However, the risk and          Armstrong’s small business success and his
    month, every other Friday off, monthly catered      expense of conducting serious R&D efforts are     dedication to his staff, family, the simulation
    appreciation lunches and a bonus and profit         often beyond the means of many small              industry and the overall small business
    sharing plan. Mr. Armstrong has always              businesses. By reserving a specific percentage    community.
    invested in his staff and will continue to do so    of federal R&D funds for small business, SBIR        Waymon Armstrong, CEO and Engineering
    through the very bright future of the company.      protects the small business and enables it to     and Computer Simulations, Inc (ECS) may be
       Armstrong could not succeed in his               compete on the same level as larger               contacted at 11825 High Tech Ave.; Suite 250
    business ventures by himself. He has been           businesses. SBIR funds the critical startup and   Orlando, FL 32817 (407) 823-9991 or by
    actively seeking resources and support              development stages and it encourages the          visiting www.ecsorl.com.
    through two of the U.S. Small Business              commercialization of the technology, product,       For more information on SBA’s Programs
    Administration’s strongest resource partners:       or service, which, in turn, stimulates the U.S.   and Services, please visit www.sba.gov.
    the local Small Business Development Center         economy.


26 — Small Business Resource   NORTH FLORIDA                                                                                    Visit us online: www.sba.gov/fl/north
marketplace. The small business profits         criteria as well as SBA’s requirements.
from the commercialization, which, in           SBA will look to the lender to do much,
turn, stimulates the U.S. economy.              if not all, of the analysis before it
                                                provides its guaranty on the lender’s
STTR Requirements:                              loan or provides the microlenders with
   Small businesses must meet the               funds to re-lend to the business. The
following eligibility criteria to participate   SBA’s business loan programs provide a
in the STTR Program.                            key source of financing for viable small
   • Be 51 percent owned and controlled by      businesses that have real potential, but
     one or more individuals who are U.S.       cannot qualify for loans from the lending
     citizens or permanent resident aliens      institutions on their own.
     in the U.S.
   • Be organized for profit.
   • Principal researchers need not be          7(a) LOan PrOgram
     employed by small business.                   The 7(a) Loan Program is the SBA’s
   • Small business must conduct at least       primary business loan program. It is the
     40 percent of the work.                    agency’s most used non-disaster
   • Company size cannot exceed 500             financial assistance program because of
     employees. (No size limit for nonprofit    its flexibility in loan structure, variety of
     research institution).                     loan proceed uses, and availability. This
The nonprofit research institution partner      program has broad eligibility
must also meet certain eligibility criteria:    requirements and credit criteria to
   • Be located in the United States and be     accommodate a wide range of financing
     one of the following:                      needs.
   • Nonprofit college or university.              The business loans that SBA
   • Domestic nonprofit research                guarantees do not come from the agency,
     organization.                              but rather from banks and other
   • Federally funded R&D center.               approved lenders. The loans are funded
   • The research institution must conduct      by these organizations and they make
     at least 30 percent of the work.           the decisions to approve or not approve
                                                the applicants’ requests.
Participating Agencies:                            The SBA guaranty reduces the
  Each year the following five Federal          lender’s risk of borrower non-payment. If
departments and agencies are required           the borrower defaults, the lender can
by STTR to reserve a portion of their           request SBA to pay the lender that
R&D funds for award to small                    percentage of the outstanding balance
business/nonprofit research institution         guaranteed by SBA. This allows the
partnerships: Department of Defense;            lender to recover a portion from SBA of
Department of Energy; Department of             what it lent if the borrower can’t make
Health and Human Services; National             the payments. The borrower is still
Aeronautics and Space Administration;           obligated for the full amount.
and National Science Foundation.                   To qualify for an SBA guaranty, a
                                                small business must meet the lender’s
                                                criteria and the 7(a) requirements. In
Other Business LOans                            addition the lender must certify that it
   When you seek a business loan,               would not provide this loan under the
familiarize yourself with the SBA’s             proposed terms and conditions unless it
business loan programs to see if they           can obtain an SBA guaranty. If the SBA
may be a viable option. Keep in mind            is going to provide a lender with a
the dollar amount you seek to borrow            guaranty, the applicant must be eligible
and how you want to use the loan                and creditworthy and the loan
proceeds. The three principal players in        structured under conditions acceptable
most of these programs are — the                to SBA.
applicant small business, the lender and
the SBA. SBA guarantees a portion of
the loan (except for Microloans). The
                                                Percentage Of guaranties
business should have its business plan          and LOan maximums
prepared before it applies for a loan.             The SBA only guarantees a portion of
This plan should explain what resources         any particular loan so each loan will also
will be needed to accomplish the desired        have an unguaranteed portion giving the
business purpose including the cost of          lender a certain amount of exposure and
everything, the applicants’ contribution,       risk on each loan. The percentage SBA
use of loan proceeds, collateral, and most      guarantees depends on either the dollar
important, an explanation of how the            amount or the program the lender uses
business will be able to repay the loan in      to obtain its guaranty. For loans of
a timely manner.                                $150,000 or less the SBA may guaranty
   The lender will analyze the                  as much as 85 percent and for loans over
application to see if it meets the lender’s     $150,000 the SBA can provide a


Visit us online: www.sba.gov/fl/north                                                           NORTH FLORIDA Small Business Resource —   27
guaranty of up to 75 percent. (NOTE:           business day of the month the loan             the extent that they are reasonably
Percentages that have been temporarily         application is received by SBA.                available. Personal guaranties are
increased up to 90 percent may be                (Note: Fees which have been                  required from all the principal owners of
extended past their normal expiration          temporarily lowered for some loans as          the business. Liens on personal assets of
as part of government efforts to               part of the government efforts to              the principals may be required.
promote economic recovery. Check with
                                               promote economic recovery may be
your local SBA district office for more
information.)                                  extended. Check with your local SBA            eLIgIbILIty
   The maximum loan amount is $5               district office for the latest information.)      7(a) loan eligibility is based on four
million and the maximum guaranty                                                              different factors. The first is size, as all
                                                                                              loan recipients must be classified as
amount to any one business (including
affiliates) is $1.5 million. The one
                                               7(a) Loan MaturItIes                           “small” by SBA. The basic size
exception is when a business needs both           SBA loan programs are generally             standards are outlined below. A more
working capital and fixed assets to            intended to encourage longer term small        in-depth listing of standards can be
promote exporting in which case the            business financing, but actual loan            found at: http://www.sba.gov/services/
SBA can provide a maximum guaranty             maturities are based on the ability to         contractingopportunities/index.html select
of $1.75 million.                              repay, the purpose of the loan proceeds        “For Government/Contracting Officials”
   Loans made under the SBAExpress             and the useful life of the assets financed.    which then leads to a page where you
program, which is discussed                    However, maximum loan maturities               can select “Size Standards.”
subsequently, have a 50 percent                have been established: 25 years for real
guaranty.                                      estate; up to 10 years for equipment           SBA Size Standards:
                                               (depending on the useful life of the             • Manufacturing from 500 to no more
                                               equipment); and generally up to seven              than 1,500 employees
Interest rates and Fees                        years for working capital. Short-term            • Wholesaling — No more than 100
   The actual interest rate for a loan         loans and revolving lines of credit are            employees
guaranteed by SBA is negotiated                also available through the SBA to help           • Services from $4.5 million to no more
between the applicant and lender and           small businesses meet their short-term             than $35.5 million in average annual
subject to SBA maximums. Both fixed            and cyclical working capital needs.                receipts
                                                                                                • Retailing from $7 million to no more
and variable interest rate structures are
                                                                                                  than $29 million in average annual
available. The maximum rate is
comprised of two parts, a base rate and
                                               structure                                          receipts
                                                  Most loans are repaid with monthly            • General construction from $7 million
an allowable spread. There are three                                                              to no more than $33.5 million in
acceptable base rates (Wall Street             payments of principal and interest. For
                                               fixed-rate loans the payments stay the             average annual receipts
Journal Prime*, London Interbank One                                                            • Agriculture from $750,000 to no more
Month Prime plus 3 percent, and an             same whereas for variable rate loans the
                                               lender can re-establish the payment                than $17.5 million in average annual
SBA Peg Rate). Lenders are allowed to                                                             receipts
add an additional spread to the base rate      amount when the interest rates change
to arrive at the final rate. For loans         or at other intervals as negotiated with
                                               the borrower. Applicants can request           Nature of Business
with maturities of less than seven years                                                         The second eligibility factor is based
the maximum spread will be no more             that the lender establish the loan with
                                               interest-only payments during the start-       on the nature of the business and the
than 2.25 percent. For loans with                                                             process by which it generates income or
maturities of seven years or more the          up and expansion phases (when eligible)
                                               to allow the business time to generate         the customers it serves. The SBA has
maximum spread will be 2.75 percent.                                                          general prohibitions against providing
The spread on loans under $50,000 and          income before it starts making full loan
                                               payments. Balloon payments or call             financial assistance to businesses
loans processed through Express                                                               involved in such activities as lending,
procedures may be higher.                      provisions are not allowed on any 7(a)
                                               loan. The lender may not charge a              speculating, passive investment,
   Loans guaranteed by SBA are                                                                pyramid sales, loan packaging,
assessed a guaranty fee. This fee is           prepayment penalty if the loan is paid
                                               off before maturity, but the SBA will          presenting live performances of a
based on the loan’s maturity and the                                                          prurient sexual nature, businesses
dollar amount guaranteed, not the total        charge the borrower a prepayment fee if
                                               the loan has a maturity of 15 or more          involved in gambling and any illegal
loan amount. The guaranty fee is                                                              activity.
generally paid by the borrower and can         years and is pre-paid during the first
                                               three years.                                      The SBA will also not support non-
be included in the loan proceeds.                                                             profit businesses, private clubs that limit
   On any loan with a maturity of one                                                         membership on a basis other than
year or less, the fee is just 0.25 percent     coLLateraL                                     capacity, businesses that promote a
of the guaranteed portion of the loan. On                                                     religion, businesses owned by
                                                  The SBA expects every loan to be
loans with maturities of more than one                                                        individuals incarcerated or on probation
                                               fully secured, but the SBA will not
year, the normal guaranty fee is 2                                                            or parole, municipalities, and situations
                                               decline a request to guaranty a loan if
percent of the SBA guaranteed portion                                                         where the business or its owners
                                               the only unfavorable factor is insufficient
on loans up to $150,000; 3 percent on                                                         previously failed to repay a federal loan
                                               collateral, provided all available
loans over $150,000 but not more than                                                         or federally assisted financing.
                                               collateral is offered. What these two
$700,000; and 3.5 percent on loans over
                                               policies mean is that every SBA loan is
$700,000. There is also an additional fee
                                               to be secured by all available assets          Use of Proceeds
of 0.25 percent on any guaranteed                                                               The third eligibility factor is usage of
                                               (both business and personal) until the
portion over $1 million.                                                                      proceeds. 7(a) proceeds can be used to:
                                               recovery value equals the loan amount
* All references to the prime rate refer       or until all assets have been pledged to       purchase machinery, equipment, fix-
to the base rate in effect on the first

28 — Small Business Resource   NORTH FLORIDA                                                                    Visit us online: www.sba.gov/fl/north
tures, supplies, leasehold improvements,          • Projections of income, expenses and         There are several ways a lender can
as well as land and/or buildings that will          cash flow as well as an explanation of   apply to the SBA for a 7(a) guaranty
be occupied by the business borrower.               the assumptions used to develop these    from SBA. The main differences
                                                    projections.                             between these methods are related to
Proceeds can also be used to:                     • Personal financial statements on the
   • Expand or renovate facilities;                 principal owners.
                                                                                             the documentation which the lender
   • Finance receivables and augment              • Resume(s) of the principal owners and    provides, the amount of review which
     working capital;                               managers.                                SBA conducts, the amount of the loan
   • Finance seasonal lines of credit;                                                       and the lender responsibilities in case
   • Construct commercial buildings; and
   • Refinance existing debt under certain      HoW tHe 7(a) proGram                         the loan defaults and the business’
                                                                                             assets must be liquidated. The methods
     conditions.                                Works                                        are:
  SBA 7(a) loan proceeds cannot be used            Applicants submit their loan                • Standard 7(a) Guaranty
for the purpose of making investments.          application to a lender for the initial        • Certified Lender Program
SBA proceeds cannot be used to provide          review. The lender will generally review       • Preferred Lender Program
funds to any of the owners of the               the credit merits of the request before        • Rural Lender Advantage
business except for ordinary                    deciding if they will make the loan            • SBA Express
compensation for actual services                themselves or if they will need an SBA         • Patriot Express
provided.                                       guaranty. If a guaranty is needed, the         • Export Express
                                                lender will also review eligibility, and       • Community Express
Miscellaneous Factors                           the applicant should be prepared to             For the Standard, Certified and
   The fourth factor involves a variety of      complete some additional documents           Preferred methods, the applicant fills out
requirements such as SBA’s credit               before the lender reviews the request to     SBA Form 4, and the lender completes
elsewhere test and utilization of personal      ensure it meets SBA’s requirements           SBA Form 4-1. When requests for
                                                before sending the request for guaranty      guarantees are processed using Express
assets requirements where the business
                                                to the SBA. Applicants who feel they         methods, the applicant uses more of the
and its principal owners must use their
                                                need more help with the process should       regular forms of the lender and just has
own resources before getting a loan                                                          a few federal forms to complete. When
guaranteed by SBA. It also includes             contact their local SBA district office or
                                                one of SBA’s resource partners for           SBA receives a request that is processed
SBA’s anti-discrimination rules and                                                          through Standard or CLP procedures, it
restrictions on lending to agricultural         assistance.
                                                                                             either reanalyzes or reviews the lender’s
enterprises because there are other
agencies of the federal government with
programs to fund such businesses.
Generally, SBA loans must meet the
following:
   • Every loan must be for a sound
     business purpose;
   • 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 success;
   • 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: http://www.sba.gov/services/.

WHat to take to tHe lenDer
   Documentation requirements may
vary; contact your lender for the
information you must supply.
Common requirements include the
following:
   • Purpose of the loan.
   • History of the business.
   • Financial statements for three years
     (existing businesses).
   • Schedule of term debts (existing
     businesses).
   • Aging of accounts receivable and
     payable (existing businesses).
   • Projected opening-day balance sheet
     (new businesses).
   • Lease details.
   • Amount of investment in the business
     by the owner(s).


Visit us online: www.sba.gov/fl/north                                                             NORTH FLORIDA Small Business Resource —   29
eligibility and credit analysis before
deciding to approve or reject. For
                                                  • Sufficient funds, including the SBA
                                                    guaranteed loan, to operate the
                                                                                               patriot express
requests processed through PLP, or                  business on a sound financial basis (for     The Patriot Express pilot loan
Express programs, the lender is                     new businesses, this includes the          initiative is for veterans and members of
delegated the authority to make the                 resources to meet start-up expenses        the military community wanting to
credit decision without SBA’s                       and the initial operating phase).          establish or expand a small business.
concurrences which help expedite the              • Adequate equity invested in the            Eligible military community members
processing time.                                    business.                                  include:
                                                  • Sufficient collateral to secure the loan     • Veterans;
   In guaranteeing the loan, the SBA                or all available collateral if the loan      • Service-disabled veterans;
assures the lender that, in the event the           cannot be fully secured.                     • Active-duty servicemembers eligible for
borrower does not repay the loan, the                                                              the military’s Transition Assistance
government will reimburse the lending
institution for a portion of its loss. By       sbaexpress                                         Program;
                                                                                                 • Reservists and National Guard
providing this guaranty, the SBA is able             The SBAExpress guaranty is                    members;
to help tens of thousands of small              available to lenders as a way to obtain a        • Current spouses of any of the above,
businesses every year get financing they        guaranty on smaller loans up to                    including a servicemember;
might not otherwise obtain.                     $350,000. The program authorizes                 • The widowed spouse of a
                                                selected, experienced lenders to use               servicemember or veteran who died
   After SBA approval, the lender is
                                                mostly their own forms, analysis and               during service or of a service-connected
notified that its loan has been                 procedures to process, service and                 disability.
guaranteed. The lender then will work           liquidate SBA-guaranteed loans. The               The Patriot Express loan is offered by
with the applicant to make sure the             SBA guarantees up to 50 percent of an          SBA’s widest network of lenders
terms and conditions are met before             SBAExpress loan. Loans under $25,000           nationwide and features the fastest
closing the loan, disbursing the funds,         do not require collateral. The use of loan     turnaround time for loan approvals.
and assuming responsibility for                 proceeds is the same as for any basic          Loans are available up to $500,000 and
collection and general servicing. The           7(a) loan. Like most 7(a) loans,               qualify for SBA’s maximum guaranty of
borrower makes monthly loan payments            maturities are usually five to seven           85 percent for loans of $150,000 or less
directly to the lender. As with any loan,       years for working capital and up to 25         and 75 percent for loans over $150,000
the borrower is responsible for repaying        years for real estate or equipment.            up to $500,000. For loans above
the full amount of the loan in a timely         Revolving lines of credit are allowed for      $350,000, lenders are required to take
manner.                                         a maximum of seven years.                      all available collateral.
                                                     For a list of lenders in your area,          The Patriot Express loan can be used
                                                contact your local SBA office at:              for most business purposes, including
What the SBA Looks for:                         www.sba.gov/local resources/index.html.
  • Ability to repay the loan on time from                                                     start-up, expansion, equipment
    the projected operating cash flow.                                                         purchases, working capital, inventory or
                                                Small Business Administration                  business-occupied real-estate purchases.
  • Owners and operators who are of good           North Florida District Office
    character.                                     7825 Baymeadows Way, Ste. 100 B                Patriot Express loans feature SBA’s
  • Feasible business plan.                        Jacksonville, FL 32256-7504                 lowest interest rates for business loans,
  • Management expertise and                       904-443-1900                                generally 2.25 percent to 4.75 percent
    commitment necessary for success.                                                          over prime depending upon the size and
                                                                                                maturity of the loan. Your local SBA
                                                                                                district office will have a listing of
     A W A R D SBA North Florida District                                                       Patriot Express lenders in your area.
                                                                                                More information is available at:
     WINNERS   SBA Lender Awards BY 2009                                                       http://www.sba.gov/patriotexpress.
                                                                                               Small Business Administration
       Top 7(a) Lender By Dollar Amount             Top ARC Loan Lender                           North Florida District Office
       Wachovia/Wells Fargo SBA Lending             SunTrust (20 ARC Loans)                       7825 Baymeadows Way, Ste. 100 B
                                                                                                  Jacksonville, FL 32256-7504
       Top 7(a) Lender By Number of Loans           Top Small/Rural Advantage Lender              904-443-1900
       Superior Financial Group                     Alarion Bank

       Top Certified Development Company            Top Community Bank SBA Lender              communitY express pilot
       (# of Loans)
       Florida Business Development
                                                    First Coast Commuity Bank                  loan proGram
       Corporation                                                                               The Community Express Pilot Loan
                                                                                               Program provides streamlined business
       Top 1st Mortgage Lender                                                                 financing and management and
       Regions Bank                                                                            technical assistance to small businesses
       Credit Union of the Year                                                                located in distressed or underserved
       Fairwinds Credit Union                                                                  markets. The Community Express
                                                                                               program is offered through hundreds of
       Top Microlender                                                                         selected SBA lenders throughout the
       Community Enterprise Investments, Inc.                                                  nation. Under Community Express,
                                                                                               approved lenders may use streamlined
                                                                                               and expedited loan review and approval
                                                                                               procedures to process SBA-guaranteed


30 — Small Business Resource   NORTH FLORIDA                                                                    Visit us online: www.sba.gov/fl/north
loans. These lenders may use, to the               labor and materials above normal
maximum extent possible, their own                 usage for seasonal inventory. The
loan analysis, loan procedures, and loan           business must have been in business
                                                   for a period of 12 months and must
documentation to process SBA loans to              have a definite established seasonal
$250,000. However, borrowers must                  pattern. The loan may be used over
receive technical assistance to qualify for        again after a “clean-up” period of 30
this program. For a list of lenders in             days to finance activity for a new
your area, contact your local SBA office           season. These also may have a
available at www.sba.gov/fl/north or               maturity of up to five years. The
                                                   business may not have another
Small Business Administration                      seasonal line of credit outstanding but
     North Florida District Office                 may have other lines for non-seasonal
     7825 Baymeadows Way, Ste. 100 B               working capital needs.
     Jacksonville, FL 32256-7504                 • The Builders Line Program provides
     904-443-1900                                  financing for small contractors or
                                                   developers to construct or rehabilitate
                                                   residential or commercial property.
special purpose 7(a) loan                          Loan maturity is generally three
proGrams                                           years but can be extended up to five
                                                   years if necessary to facilitate sale of
   The 7(a) program is the most flexible           the property. Proceeds are used solely
of SBA’s lending programs. The agency              for direct expenses of acquisition,
has created several variations to the              immediate construction and/or
basic 7(a) program to address the                  significant rehabilitation of the
particular financing need of certain               residential or commercial structures.
small businesses. These special purpose            The purchase of the land can be
programs are not necessarily for all               included if it does not exceed 20
businesses but may be very useful to               percent of the loan proceeds. Up to 5
some small businesses. They are                    percent of the proceeds can be used
generally governed by the same rules,              for physical improvements that
regulations, fees, interest rates, etc. as         benefit the property.
the regular 7(a) loan guaranty. Lenders          • The Small Asset-Based Line is a
can advise you of any variations.                  revolving line of credit (up to
                                                   $200,000) that provides short term
                                                   working capital. These lines are
caplines                                           generally used by businesses that
   The CAPLines program is designed to             provide credit to their customers.
help small businesses meet their short-            Disbursements are based on the size
                                                   of a borrower’s accounts receivable
term and cyclical working capital needs.
                                                   and/or inventory. Repayment comes
There are five loan programs under the
                                                   from the collection of accounts
CAPLines umbrella. The programs can                receivable or sale of inventory. It does
be used to finance seasonal working                require periodic servicing and
capital needs; finance the direct costs of         monitoring of the collateral for which
performing certain construction, service           the lender can charge up to two
and supply contracts; finance the direct           percent annually to the borrower.
cost associated with commercial and              • The Standard Asset-Based Line is
residential construction; finance                  similar to the Small Asset-Based
operating capital by obtaining advances            Line, but for loan amounts over
against existing inventory and accounts            $200,000. It does require stricter
receivable; and consolidate short-term             servicing and monitoring and the
debt. SBA provides up to an 85 percent             lender may pass these costs along to
guarantee. There are five distinct                 the borrower.
programs under the CAPLine umbrella:
    • The Contract Loan Program is used
      to finance material and labor needs
                                               export assistance
      for a specific contract or contracts.    trade Financing
      Proceeds can be disbursed before the        The SBA has help for existing small
      work begins. If used for one contract,   businesses wanting to export goods and
      it is generally not revolving; if used   services.
      for more than one contract at a time,
      it can be revolving. The loan maturity
      is usually based on the length of the    u.s. export assistance
      contract, but no more than five years.
      Contract payment must be sent
                                               center (useac)
      directly to the lender.                    U.S. Export Assistance Centers, are a
    • The Seasonal Line of Credit              partnership among SBA, U.S.
      Program is used to support buildup of    Department of Commerce and the
      inventory, accounts receivable or        Export-Import Bank of the U.S. to


Visit us online: www.sba.gov/fl/north                                                         NORTH FLORIDA Small Business Resource —   31
provide trade promotion and export-              fees with the lender. The program offers        This program enables U.S. exporters to
finance assistance for small businesses          flexible terms, low fees and a quick            obtain loans that facilitate the export of
in a single location. The USEACs also            processing time. For information, see           goods or services. Under this program,
work closely with other federal, state           www.sba.gov/services/financialassistance        the total export working capital line,
and local international trade                    /sbaloantopics/SpecialPurposeLoans/ewcp/        with a 90 percent guarantee, cannot
organizations. To find the nearest               index.html.                                     exceed $2 million. Loan maturities are
USEAC, go to: http://www.sba.gov/                Eligibility of Exporter
aboutsba/sbaprograms/internationaltrade/                                                         generally for a term of 12 months. At
                                                   You must have an operating history of         the end of the 12-month maturity, a
useac/index.html or contact:                     at least one year – not necessarily in          borrower may reapply for a new
                                                 exporting. The SBA may waive this
Ray Gibeau, Regional Manager                                                                     guarantee. The SBA guarantee fee is
                                                 requirement if you have sufficient export
    International Trade Programs
                                                 trade experience or other managerial            0.25 percent of the guaranteed amount
    Sunbelt U.S. Export Assistance Center                                                        of the loan for the initial 12 months. The
    75 Fifth St. N.W., Ste. 1055                 experience.
    Atlanta, GA 30308                            Eligibility of Foreign Buyers                   guarantee fee that Ex-Im Bank charges
    404-897-6089 • 404-897-6085 Fax                 The foreign buyer must be a                  is 0.25 percent on the loan amount that
    raymond.gibeau@sba.gov                       creditworthy entity and the methods of          is guaranteed by them. The borrower
                                                 payment must be acceptable to the SBA           negotiates the interest rate and all other
Jacksonville                                     and the export lender.                          fees with the lender.
Jore Arce, Office Director
    Jacksonville U.S. Export Assistance Center   Use of EWCP Proceeds:
    3 Independent Dr.                                                                            Eligibility of Exporter
                                                   • To acquire inventory for export or to be      The same as for the SBA EWCP
    Jacksonville, FL 32202                           used to manufacture goods for export.
    904-232-1270 • 904-232-1271 Fax                • To pay the manufacturing costs of
                                                                                                 Program.
    jorge.arce@nospam.mail.doc.gov                   goods for export.
    http://www.buyusa.gov/florida/                 • To purchase goods or services for           Eligible Buyers
                                                     export.                                       The foreign buyer must be a
Orlando                                            • To support standby letters of credit        creditworthy entity located in an
Kenneth Mouradian, USEAC Director                    related to export transactions.             acceptable country in conformity with
    Orlando U.S. Export Assistance Center          • For pre-shipment working capital            the Ex-Im Bank’s Country Limitation
    315 E. Robinson St., Ste. 100                    directly related to export orders.
    Orlando, FL 32801                                                                            Schedule; and the method of payment
                                                   • For post-shipment foreign accounts          must be acceptable to the SBA, Export-
    407-648-6170 • 407-487-1909 Fax
                                                     receivable financing.                       Import bank and partner lender.
    kenneth.mouradian@nospam.mail.doc.gov
    http://www.buyusa.gov/florida/
                                                 Ineligible Use of Proceeds                      Use of Proceeds
Miami                                              • To support the applicant’s domestic
                                                                                                  Generally the same as the SBA
Mary Hernandez                                       sales.
                                                   • To acquire fixed assets or capital goods    EWCP.
    100 S. Biscayne Blvd.
    Miami, FL 33131                                  for the applicant’s business.
    305-536-5521 ext. 183                          • To support a sale where the exporter is     Ineligible Use of Proceeds
    202-481-4471 Fax                                 not taking title to the goods.                • Goods or services with less than 50
    mary.hernandez@sba.gov                         • To acquire, equip, or rent commercial           percent U.S. content.
                                                     space overseas.                               • To support the export of any Defense
                                                   • To serve as a warranty letter of credit.        Articles or Defense Services.
export WorkinG capital                                                                             • To support the applicant’s domestic
                                                                                                     sales.
proGram                                          Collateral Requirements
                                                   • Collateral for the manufacturing sector       • To acquire fixed assets or capital goods
   The SBA’s Export Working Capital                  typically consists of a first lien on all       for the applicant’s business.
Program assists lenders in meeting the               export-related inventory and export           • To acquire, equip, or rent commercial
needs of exporters seeking short-term                related accounts receivable.                    space overseas.
                                                   • Collateral for the service sector             • To serve as a Warranty Letter of
export working capital. This program
                                                     typically consists of assignment of             Credit.
enables U.S. exporters to obtain loans to
fund their direct export costs. The                  proceeds of export-related contracts or
                                                     purchase orders and a first lien on         Collateral Requirements
EWCP supports single transactions or                                                               Same as the SBA EWCP.
                                                     export-related accounts receivable.
revolving lines of credit. The maximum             • Other collateral may be required.
dollar amount of an export line of credit                                                        How to Apply
under this program is $2 million. SBA            How to Apply                                      A small business exporter seeking a
guarantees up to 90% of a loan amount              A small business exporter seeking a           co-guaranteed loan must apply to a
or $1.5 million, whichever is less. Loan         guaranteed EWCP loan must apply to a            lender that is a participant in SBA’s 7(a)
maturities are generally for a term of 12        lender.                                         Loan Guaranty Program. PLP and
months. The guaranty can be reissued
                                                                                                 SBAExpress processing are not
for an additional 12 months through a            SBA Ex-Im Bank Co-Guarantee
                                                                                                 permitted. The lender must submit a
new application process. The guaranty               This is designed to provide small
                                                                                                 completed Joint Application for Working
fee the SBA charges is 0.25 percent of           business exporters the ability to obtain
the guaranteed amount of the loan for                                                            Capital Guarantee and loan package to
                                                 larger export working capital loans
the initial 12 months. The borrower                                                              SBA. SBA evaluates and processes the
                                                 through the Export Working Capital
negotiates the interest rate and all other                                                       application in accordance with SBA rules
                                                 Program than SBA could support alone.           for its Export Working Capital Program.

32 — Small Business Resource   NORTH FLORIDA                                                                      Visit us online: www.sba.gov/fl/north
InternatIonal trade loan                         apply to an SBA participating lender.
                                                 Call your local SBA District Office for a
                                                                                                 How to Apply
                                                                                                   The application process is the same for
Program                                          list of participating lenders.                  the SBAExpress, except the applicant
   The program helps small businesses                                                            must demonstrate that loan proceeds
engaged or preparing to engage in                                                                will enable it to enter a new export
international trade as well as small             exPort exPress                                  market or expand an existing export
businesses adversely affected by                    The Export Express program is                market. The applicant must submit to
competition from imports. This program           designed to help SBA meet the export            the lender a plan that includes projected
allows for an increased maximum dollar           financing needs of small businesses. It is      export sales for the upcoming year as
amount of SBA guaranty outstanding to            a subprogram of SBAExpress and is               well as the dollar volume of export sales
any one business (and affiliates) from           therefore subject to the same loan              for the previous year.
$1.5 million to $1.75 million. In order to       processing, making, closing, servicing,
                                                 and liquidation requirements as well as
reach the $1.75 million SBA guaranty
                                                 the same maturity terms, interest rates,        CommunIty adjustment
ceiling, the borrower must have an
international trade loan as well as an
                                                 and applicable fees as for other SBA            and Investment Program
                                                 loans except as noted below. The total            The Community Adjustment &
SBA working capital loan or line of              Export Express loan cannot exceed
credit. The international trade loan                                                             Investment Program helps communities
                                                 $500,000. SBA guarantees 85 percent             that suffered job losses due to changing
provides an SBA guarantee up to $1.5             for loans of $150,000 and under and 75          trade patterns following the North
million of a term loan used for the              percent for loans greater than $150,000         American Free Trade Agreement. The
acquisition, construction, renovation,           to $250,000. SBA allows participating           North American Development Bank has
modernization, improvement or                    lenders to make their own credit                partnered with the SBA and the U.S.
expansion of long-term fixed assets or           decisions. SBA provides a quick                 Departments of Agriculture and the
the refinancing of an existing loan used         processing time, less than 36 hours.            Treasury to make credit available to
for these same purposes. In addition a           Eligible Buyers – The same as for the           businesses in affected communities to
borrower may have a separate working             Export Working Capital Program.                 help create or retain jobs.
capital loan (term or line of credit) with
a maximum SBA guaranty of $1.25
million. When combined, the maximum
                                                 Use of Proceeds
                                                   • Finance standby letters of credit used
                                                                                                 sBa’s non-7(a) loan
SBA guaranty outstanding to any one                  for either bid or performance bonds;        Programs
business is $1.75 million. The SBA                 • Finance export development activities         In addition to the 7(a) Loan Program
                                                     such as export marketing and                SBA has three other non-disaster
guaranty fee and interest rates are the              promotional activities, participation in
same as for any standard 7(a) loans.                                                             assistance programs which can help
                                                     foreign trade shows, translation of         small businesses gain access to capital
                                                     product literature for foreign markets,     and bonding.
Eligibility of Exporter                              and other activities designed to initiate
   • Applicants must meet the same
                                                     or expand the applicant’s export of its
     eligibility requirements for a 7(a) loan.
   • Applicant must establish the loan will
                                                     products/services from the U.S.;            CertIfIed develoPment
     significantly expand or develop an
                                                   • Provide transaction-specific financing
                                                     for overseas orders;
                                                                                                 ComPany loan Program
     export market, or the applicant has
                                                   • Provide revolving lines of credit for       (504 loans)
     been adversely affected by import
                                                     export purposes, the term of which             The 504 Loan Program is an economic
     competition, and, in addition, the
                                                     must not exceed seven years. In some        development program that supports
     applicant must show that upgrading
                                                     instances, as a normal course of            American small business growth and
     equipment or facilities will improve its
                                                     business, the borrower may use              helps communities through business
     competitive position.
                                                     portions of revolving lines of credit for   expansion and job creation. This SBA
   • If eligibility is based on entering or
                                                     domestic purposes, but no less than 70      program provides long-term, fixed-rate,
     expanding export sales, the applicant
                                                     percent of the revolver to be used for      subordinate mortgage financing for
     must submit a one or two page
                                                     export related purposes;
     international business plan, including                                                      acquisition and/or renovation of capital
                                                   • Provide term loans and other financing
     sufficient information to reasonably                                                        assets including land, buildings and
                                                     to enable small business concerns,
     support the likelihood of expanded
                                                     including small business export
                                                                                                 equipment. Most for-profit small
     export sales.
                                                     trading companies to develop foreign        businesses are eligible for this program.
                                                     markets; and                                The types of businesses excluded from
Use of Proceeds                                    • Acquire, construct, renovate,               7(a) loans (listed previously) are also
   • For facilities or equipment, including          modernize, improve or expand                excluded from the 504 loan program.
     purchasing land and building(s);                production facilities or equipment to be       Loans are provided through Certified
     building new facilities; renovating,            used in the U.S. in the production of       Development Companies. CDCs work
     improving, or expanding existing                goods or services to be exported from       with banks and other lenders to make
     facilities; purchasing or reconditioning        the U.S.                                    loans in first position on reasonable
     machinery, equipment and fixtures;
                                                                                                 terms, helping lenders retain growing
     and making other improvements that
                                                 Ineligible Use of Proceeds                      customers and provide Community
     will be used within the United States
     for producing goods or services.              Proceeds may not be used to finance           Redevelopment Act credit.
Collateral Requirements - Collateral             overseas operations, other than those              The SBA 504 loan is distinguished
requirements are the same as for                 strictly associated with the marketing          from the SBA 7(a) loan program in these
regular 7(a) loans.                              and/or distribution of products/services        ways:
  How to Apply - A small business                exported from the U.S.                          The maximum debenture, or long-term
                                                                                                 loan, is:
exporter seeking a guaranteed loan must

Visit us online: www.sba.gov/fl/north                                                                 NORTH FLORIDA Small Business Resource —   33
  • $5 million for businesses that create a        • Most types of business — retail,              1351 N. Gadsden St.
    certain number of jobs or improve the            service, wholesale or manufacturing.          Tallahassee, FL 32303
    local economy;                                  The SBA’s 504 certified development            Contact: Debrorah Petrell
  • $5 million for businesses that meet a        companies serve their communities by              561-756-1745 • 561-265-4211 Fax
    specific public policy goal, including                                                         deborah@ffcfc.com
    veterans; and
                                                 financing business expansion needs.
                                                                                                   Service Area: Bay, Calhoun, Escambia,
  • $5.5 million for manufacturers.              Their professional staffs works directly          Franklin, Gadsden, Gulf, Holmes,
  Recent additions to the program allow          with borrowers to tailor a financing              Jackson, Jefferson, Leon, Liberty, Madison,
$5.5 million for each project that reduces       package that meets program guidelines             Okaloosa, Santa Rosa, Taylor,
the borrower’s energy consumption by at          and the credit capacity of the borrower’s         Wakulla, Walton and Washington.
least 10 percent; and $5.5 million for           business. For information, visit
each project that generates renewable            www.sba.gov/services, then choose “SBA            7825 Baymeadows Way, Ste. 101A
energy fuels, such as biodiesel or ethanol       Loans” from the links in the right-hand           Jacksonville, FL 32256
production. Projects eligible for up to                                                            Contact: Kristen Tackett
                                                 column. Click on “CDC/504 Program.”
$5.5 million under one of these two                                                                904-861-2270 • 321-415-0288 Fax
                                                 Business Development Corporation of
                                                                                                   Kristen@ffcfc.com
requirements do not have to meet the job         Northeast Florida                                 Service Area: Alachua, Baker, Bradford, Clay,
creation or retention requirement, so               The Riverfront Professional Center
                                                                                                   Columbia, Dixie, Duval, Flagler, Gilchrist,
long as the CDC portfolio average is at             644 Cesery Blvd., #100
                                                                                                   Hamilton, Lafayette, Nassau, Putnam, St.
least $50,000.                                      Jacksonville, FL 32221
                                                                                                   Johns, Suwannee and Union.
  • Eligible project costs are limited to           Contact: Steve Mahaven
    long-term, fixed assets such as land            904-724-7455 • 904-724-7457 Fax
                                                                                                   1875 Lakemont Ave., #203
    and building (occupied by the                   smahaven@bdcjaxnfl.org
                                                                                                   Orlando, FL 32814
    borrower) and substantial machinery                                                            Contact: John Hanrahan
    and equipment. Working capital is not        Coastal Area District Development
                                                 Authority                                         407-276-4961 • 407-650-3315 Fax
    an eligible use of proceeds.
                                                    501 Gloucester St., Ste. 201                   john@ffcfc.com
  • Most borrowers are required to make
                                                                                                   Service Area: Brevard, Citrus, Lake, Levy,
    an injection (borrower contribution) of         Brunswick, GA 31520
    just 10 percent which allows the                Contact: Teena Hicks                           Marion, Orange, Osceola Seminole, Sumter
    business to conserve valuable                   912-261-2500 • 912-261-0032 Fax                and Volusia.
    operating capital. A further injection          thicks@cadda.com
    of 5 percent is needed if the business is       Service Area: Clay, Duval, Nassau and St.      801 W. Bay Dr., Ste. 420
    a start-up or new (less than 2 years            Johns.                                         Largo, FL 33770
    old) and a further injection of 5 percent                                                      Contact: Ron Mirenda
    is also required if the primary              Essential Capital, Inc.                           727-871-8035 • 877-207-0927 Fax
    collateral will be a single purpose             8659 Baypine Rd., Ste. 304                     ron@ffcfc.com
    building.                                       Jacksonville, FL 32256                         Service Area: Hernando, Hillsborough,
  • Two-tiered project financing: a lender          Contact: Cleve Warren                          Pasco, Pinellas and Polk.
    finances approximately 50 percent of            904-407-3595 • 904-398-4995 Fax
    the project cost and receives a first lien      cleve.w@essentialcapital.net                St. Petersburg Certified Development
    on the project assets (but no SBA                                                           Corporation
    guaranty); A CDC (backed by a 100%           Florida Business Development                      d/b/a Gulfcoast Business Finance, Inc.
    SBA-guaranteed debenture) finances           Corporation                                       227 Second Ave. N.
    up to 40% of the project costs secured          6801 Lake Worth Rd., Ste. 209                  St. Petersburg, FL 33731
    with a junior lien. The borrower                Lake Worth, FL 33467                           Contact: Ron Reuss
    provides the balance of the project             Contact: Manny Manos                           727-895-2504 • 727-822-2504 Fax
    costs.                                          561-433-0233 • 561-433-8545 Fax                rreuss@gulfcoastbiz.com
  • Fixed interest rate on SBA loan. SBA
                                                    fbdcsba504@aol.com
    guarantees the debenture 100 percent.                                                          5336 Bayside Dr.
    Debentures are sold in pools monthly            5950 Hazeltine Pkwy., Unit 625                 Orlando, FL 32819
    to private investors. This low, fixed           Orlando, FL 32822                              Contact: Pat McEvoy
    rate is then passed on to the borrower          Contact: Timothy Cramer                        407-506-4912 • 407-641-9214 Fax
    and establishes the basis for the loan          407-352-2551 • 407-352-2859 Fax                pmcenvoy@GulfCoastBiz.com
    rate.                                           tcramer504@aol.com
  • All project-related costs can be                                                               1835 NE Miami Gardens Dr., #403
    financed, including acquisition (land
                                                    10175 Fortune Pkwy., Unit 503                  North Miami Beach, FL 33179
    and building, land and construction of
                                                    Jacksonville, FL 32256                         Contact: Beth Herdegen
    building, renovations, machinery and
                                                    Contact: Greg Bossow                           305-932-3434 • 305-359-5421 Fax
    equipment) and soft costs, such as title
    insurance and appraisals. Some closing          904-296-8550 • 904-296-8551 Fax                bherdegen@GulfCoastBiz.com
    costs may be financed.                          gbossow504@aol.com
  • Collateral is typically a subordinate                                                       Independent Development Services
    lien on the assets financed; allows
                                                 Florida First Capital Finance Corporation      Corporation
    other assets to be free of liens and            P.O. Box 4166                                  8280 College Pkwy., Ste. 204
    available to secure other needed                Tallahassee, FL 32315                          Ft. Myers, FL 33919
    financing.                                      Contact: Todd Kocourek                         Contact: Thomas Wallace
  • Long-term real estate loans are up to           850-681-3601 • 850-681-3699 Fax                239-652-5588 • 239-652-9988 Fax
    20-year term, heavy equipment 10 or             todd@ffcfc.com                                 admin@idscorp.org
    20-year term and are self-amortizing.
Businesses that receive 504 loans are:
  • Small — net worth under $8.5 million,
    net profit after taxes under $3 million,
    or meet other SBA size standards.
  • Organized for-profit.


34 — Small Business Resource   NORTH FLORIDA                                                                       Visit us online: www.sba.gov/fl/north
Tampa Bay Economic Development
Corporation                                          tHe suretY bonD Guarantee                   Arthur J. Gallagher Risk Management
                                                                                                 Services, INC, Illinois
     7402 N. 56th St., Ste. 425                      proGram                                        The Gallagher Center, Two Pierce Place
     Tampa, FL 33617                                    The Surety Bond Guarantee Program           Itasca, IL 60143
     Contact: Ken Hornung                            is a public-private partnership between        630-694-5460 • 630-694-5499 Fax
     813-984-8105 ext. 1308                          the federal government and surety              randy_moon@aig.com
     813-914-8810 Fax
                                                     companies that provides small               Atlantic Underwriting Agency, Inc.
     khornung@tedcoloans.com
                                                     businesses with the bonding assistance         992 Old Eagle School Rd., Ste. 915
                                                     necessary for them to compete for
microloan proGram                                    government and private contracting
                                                                                                    Wayne, PA 19087
                                                                                                    610-397-0570
  The Microloan Program provides                     opportunities. The guarantee provides
small loans ranging from under $500 to               incentive for sureties to bond small        Bankers Insurance Company
                                                     businesses that would otherwise be             11101 Roosevelt Blvd. North St.
$50,000. Under this program, the SBA
                                                                                                    St. Petersburg, FL 33716
makes funds available to nonprofit                   unable to obtain bonding. The program
                                                                                                    727-803-4076
intermediaries that, in turn, make the               is aimed at small businesses that lack         mattk@bankersinsurance.comKl
loans directly to entrepreneurs,                     the working capital or performance track
                                                     record necessary to secure bonding on a     Barbour Group, LLC
including veterans. Proceeds can be used
                                                     reasonable basis through regular               20 Liberty St., Ste. 2D
for typical business purposes such as                commercial channels.                           Westminster, MD 21157
working capital, machinery and                          Through this program, the SBA               410-876-9610 • 410-876-9954 Fax
equipment, inventory and leasehold                   guarantees bid, payment, performance           info@thebarbourgroup.com
improvements. Interest rates are                     and ancillary bonds issued by surety
negotiated between the borrower and the              companies for individual contracts of up    Blair Insurance Services, Inc.
intermediary.                                        to $2 million. The SBA reimburses              1201 Logan Blvd.
  For more information, go to                        sureties between 70 and 90 percent of          Altoona, PA 16602
                                                     losses sustained if a contractor breaches      814-946-9486 • 877-771-3377 Fax
www.sba.gov/services, then choose “SBA                                                              Blairbonni@aol.com
Loans” from the links in the right-hand              the terms of the contract.
                                                        The SBA has two program options
column. From there, click on “Micro                  available, the Prior Approval Program
                                                                                                 Blair Insurance Services, Inc.
Loans.”                                                                                             1201 Logan Blvd.
                                                     (Plan A) and the Preferred Surety Bond         Altoona, PA 16602
The Black Business Investment Fund of                Program (Plan B). In the Prior Approval
Central Florida (BBIF)                                                                              814-931-1196 • 877-771-3377 Fax
                                                     Program, SBA guarantees 90 percent of          Blairbonni@aol.com
     315 E. Robinson St., Ste. 660
     Orlando, FL 32801                               a surety’s paid losses and expenses on
     Microloan Contact: Inez Long                    bonded contracts up to $100,000, and on     Bond Only, Inc.
     407-649-4780 • 407-649-8688 Fax                 bonded contracts greater than $100,000         1515 C.R. 210 W., Ste. 211
     ilong@bbif.com                                  that are awarded to socially and               Jacksonville, FL 32259
                                                     economically disadvantaged and                 904-433-8885
     www.bbif.com
                                                     HUBZone contractors and veterans and           peter@surety-bonding.com
     Service area: Lake, Orange, Osceola and
     Seminole counties.                              service-disabled veteran owned small        Bonds Only Inc.
                                                     businesses. All other bonds guaranteed         1515 County Rd. 210 W., Ste. 211
Central FL. Community Development                    in the Plan A Program receive an 80
Corp.                                                                                               Jacksonville, FL 32259
                                                     percent guarantee. Sureties must obtain        904-429-0555
     P.O. Box 15065                                  SBA’s prior approval for each bond
     Daytona Beach, FL 32115                                                                        peter@surety-bonding.com
                                                     guarantee issued. Under Plan B, SBA
     Microloan Contact: Gerald O. Chester
     386-258-7520 • 386-238-3428 Fax                 guarantees 70 percent, but sureties may     Bonds, Incorporated
     geraldc@cfcdc.com                               issue, monitor and service bonds without       One North Park Dr., Ste. 204
     www.cfcdc.com                                   SBA’s prior approval.                          Hunt Valley, MD 21030
     Service area: Brevard, Flagler, St. Johns and      For more information on the Surety          410-527-9881 • 410-527-9845 Fax
                                                     Bond Guarantee Program, visit SBA’s            TTinker@bondsinc.com
     Volusia counties.
                                                     website at: www.sba.gov/osg or contact:     Bowditch Insurance Corporation
Community Enterprise Investments, Inc.               REFERRAL LIST OF BOND AGENCIES BY              101 Century 21, Ste. 200
     302 N. Barcelona St.                            STATE                                          Jacksonville, FL 32216
     Pensacola, FL 32502                             Florida                                        904-855-0744 • 904-855-0828 Fax
     Daniel Horvath, President
     Microloan Contact: Percy Goodman, Jr.           American Contracting Services, Inc.         Breen-Ragland Group LLC
     850-595-6234 • 850-595-6264 Fax                    102 Tollgate Tr.                            255 Primera Blvd., #434
     pgoodman@ceii-cdc.org                              Longwood, FL 32750                          Lake Mary, FL 32746
     www.ceii-cdc.org                                   407-739-1259 • 407-260-0477 Fax             407-833-0300 • 407-333-3277 Fax
     Service area: Florida Panhandle including                                                      brettr@breenragland.com
     Bay, Calhoun, Dixie, Escambia, Franklin,        American Bond Services, Inc.
     Gadsden, Gulf, Hamilton, Holmes, Jackson,          600 St. Andrews Rd.                      Brown Insurance Services, LLC
     Jefferson, Lafayette, Leon, Liberty, Madison,      Hollywood, FL 33021                         2404 Ruth Hentz Ave., Ste. D
     Okaloosa, Santa Rosa, Suwannee, Taylor,            954-614-2999 • 954-961-1990 Fax             Panama City, FL 32405
     Wakulla, Walton, and Washington counties.          okupperman@aol.com                          850-596-9598
                                                                                                    mbrown@browninsuranceservice.net




Visit us online: www.sba.gov/fl/north                                                                 NORTH FLORIDA Small Business Resource —   35
C&D Insurance & Bonds, Inc.                     Global Indemnity Insurance Agency          Tom Brown & Company, Inc. Insurance &
    3491 Pall Mall Dr., Ste. 204                   195 Scott Swamp Rd.                     Bonds
    Jacksonville, FL 32257                         Farmington, CT 06032                       1425 K St. N.W., Ste. 350/P.O. Box 19293
    904-292-0803 • 904-292-2864 Fax                860-676-8830 • 860-676-1928 Fax            Washington, DC 20005
                                                                                              202-393-7755 • 202-393-7758 Fax
CBIC - Melbourn                                 Guignard Company                              mdbrown@tombrownandcompany.com
    200 S. Harbor City Blvd., #402                 1904 Booth Cir.
    Melbourn, FL 32901                             Longwood, FL 32750                      USG Insurance Services
    321-722-1723                                   407-834-0022 • 407-260-1767 Fax            14499 N. Dale Mabry, Ste. 215 S.
                                                                                              Tampa, FL 33618
CCI Surety, Inc.                                Insurance Source, Inc.                        813-466-3584 • 813-961-0768 Fax
    1710 N. Douglas Dr., Ste. 110                  4111 Telegraph Rd.                         mvanhuis@usgins.com
    Golden Valley, MN 55422                        St. Louis, MO 63129
    763-543-6993 • 763-546-1822 Fax                314-416-2602 • 314-416-1011 Fax         Viking Bond Service, Inc.
    www.ccisurety.com                              marke@theinsurancesource.com               22601 N. 19th Ave., Ste. 210
                                                                                              Phoenix, AZ 85027
Construction Bonding Specialists, LLC           KPS Insurance Services, Inc.                  623-933-9334 ext. 16
    29445 Beck Rd., Ste. A-209                     10650 Treena St., Ste. 109                 cynthiab@vbsbond.com
    Wixom, MN 48393                                San Diego, CA 92131
    248-349-6227 • 248-348-6762 Fax                858-538-8822 • 858-346-9298 Fax         Wells Fargo Insurance Services USA, Inc.
                                                                                              5755 Mark Dabling Blvd., Ste. 300
Contractors Service, Inc.                       Latimer Insurance Agency                      Colorado Springs, CO 80919
    3 Talbott Ave., Ste. 202A                      17121 N.E. Sixth Ave.                      719-592-1177
    Timonium, MD 21093                             North Miami Beach, FL 33162                christina.schulman@wellsfargo.com
    410-453-0925 • 410-453-0928 Fax                305-653-7998 • 305-653-2712 Fax
    jfjcsi@aol.com                                                                         Willis of Florida, Inc.
                                                Lutgert Insurance                             3000 Bayport Dr.
D.S. Blum, Inc.                                    1395 Panther Ln., Ste. 100                 Tampa, FL 33607
    9449 South Kedzie Ave.                         Naples, FL 34109                           813-490-6855
    Evergreen Park, IL 60805-2325                  239-262-7171 • 239-262-5360 Fax            carol.hermes@willis.com
    773-445-8070                                   kmiele@lutgertinsurance.com
    dsblum@dsbluminc.com                                                                   Surety Specialty Group, Inc.
                                                M.B. Underwriters, Inc.                       11481 Old St. Augustine Rd., Ste. 104
Dawson Insurance, Inc.                             1001 W. 9-Mile Rd.                         Jacksonville, FL 32258
    1340 Depot St., Ste. 300                       Pensacola, FL 32534                        904-230-1324
    Cleveland, OH 44116                            850-478-0400 • 850-478-2134 Fax            jason@bondssg.com
    440-333-9000 • 440-356-2126 Fax
                                                Matson-Charlton Surety Group
    lcolagrossi@dawsoncompanies.com
                                                   700 S. Dixie Hwy., Ste. 100             small business jobs act
                                                   Coral Gables, FL 33146
Florida Home Builders Insurance, Inc.
    2600 Centennial Pl.
                                                   305-662-3852                            oF 2010
    Tallahassee, FL 32308
                                                   john@mcsurety.com                          The Small Business Jobs Act, signed
    888-513-1222 • 850-402-1830 Fax             Northeast Surety, LLC.                     Sept. 27 by President Obama provides
    gparrish@fhbi.com                              3 Forest Park Dr.                       resources to help small businesses
                                                   Farmington, CT 06032                    continue driving economic recovery and
Florida Surety Bonds, Inc.                         860-674-0123 • 860-674-0170 Fax         creating jobs. The law extends the
    620 N. Wymore Rd, Ste. 200                     kmorottojr@nesurety.com                 successful SBA Recovery loans while
    Maitland, FL 32751                                                                     offering billions more in lending support
    888-786-2663 • 407-786-7766 Fax             Shorewest Surety Services, Inc.            and tax breaks for entrepreneurs and
                                                   1127 Prairie Dr., Ste. 100              small business owners.
Frank H. Furman, Inc.                              Racine, WI 53406                        More Capital for Entrepreneurs,
    1314 E. Atlantic Blvd.                         262-884-6590 • 262-884-9096 Fax         Small Business Owners
    Pompano Beach, FL 33060                                                                  • Recovery Act Loans Extension –
    954-943-5050 • 954-942-6310 Fax
                                                Surety Services UnLimited, Inc
                                                   551 Zanesville St. S.                       $14 billion more in lending
    frank@furmaninsurance.com                                                                  support
                                                   St Petersburg, FL 33707
                                                   813-398-4104                                o The law will extend SBA Recovery
Freedom Bonding, Inc.                                                                            loans (with the 90 percent guarantee
    11100 Liberty Rd., Ste. H                                                                    and reduced fees) through December
    Randallstown, MD 21133
                                                Surety Specialty Group, Inc.
                                                   11481 Old St. Augustine Rd., Ste. 104         31, 2010. The $505 million for
    410-922-2221                                                                                 Recovery loans in this new law will
                                                   Jacksonville, FL 32258
                                                   904-230-1324                                  support about $14 billion in overall
General Insurance Concepts, Inc.                                                                 small business lending.
    105 Old Jennings Rd.                           jason@bondssg.com
                                                                                               o Since passage of the Recovery Act,
    Orange Park, FL 32065                                                                        SBA has supported nearly 70,000
    904-272-6290
                                                The Surety Group Agency, LLC
                                                   1900 Emery St., Ste. 120                      Recovery loans, turning $680 million
                                                   Atlanta, GA 30318                             in taxpayer dollars into more than
Gerald J. Wilkoff, Inc.                                                                          $30 billion in lending support.
    95 Main St.                                    404-352-8211 • 404-351-3237 Fax
                                                   kelly@suretygroup.com                     • Higher Loan Limits – significantly
    Mineola, NY 11501                                                                          increases maximum loan sizes in
    516-747-0200                                                                               top loan programs
                                                                                               o The law will permanently
                                                                                                 increase 7(a) and 504 limits from $2


36 — Small Business Resource    NORTH FLORIDA                                                                Visit us online: www.sba.gov/fl/north
                                                • Small Business Intermediary                New Law Promotes Small Business
                                                  Lending Pilot                              Exporting, Building on the
                                                  o The law provides for funding up to       President’s National Export
                                                    $20 million per year in small            Initiative
                                                    business loans over the next three        • Export Express Pilot Becomes
                                                    years for an intermediary-facilitated       Permanent
                                                    loan program targeting small                o The law turns the Export Express
                                                    businesses that need loans up to              pilot loan program into a permanent
                                                    $200,000.                                     program with a 90 percent
                                               New Law Strengthens Small                          guarantees for loans up to $350,000
                                               Businesses’ Ability to Compete for                 and 75 percent for loans between
                                               Contracts, Including                               $350,000 and $500,000.
                                               Recommendations from the                       • State Trade and Export Promotion
                                               President’s Task Force on Federal                Grants Pilot
                                               Contracting Opportunities for Small              o The law provides $90 million in
                                               Business                                           competitive grants over next three
                                                • Equal Treatment across Federal                  years for states to help small
                                                  Contracting Programs                            business owners with exporting.
                                                  o The law reaffirms “parity” among          • Increased Staff and Strengthened
                                                    federal small business contracting          Export Counseling Resources.
                                                    programs. Contracting officers will      Law Expands Training and
                                                    be free to choose among businesses       Counseling:
                                                    owned by women and service-               • Major Investment in Counseling
                                                    disabled veterans, as well as               and Training
                                                    businesses participating in                 o The law provides $50 million in
                                                    HUBZone program, 8(a) programs,               grants available to Small Business
                                                    and the women’s contracting                   Development Centers.
                                                    program.                                 Law Provides $12 Billion in Tax
      million to $5 million (for                • Better Playing Field for Small             Relief to Help Small Businesses
      manufacturers in 504 loan program,          Businesses – more accountability,          Invest in their Firms, Create Jobs
      up to $5.5 million).                        integrity, transparency                     • Extension, Expansion of Tax Cuts
    o The law will permanently increase           o The law gives agency procurement            – 8 Tax Cuts
      microloan limits from $35,000 to              officers more ability to provide both       1. The highest small business
      $50,000, helping larger small                 large prime contracts and                      expensing limit ever, of $500,000
      businesses with start-up costs and            mircocontracts to small businesses.         2. Carry-back provisions on net
      small business owners in                      The law makes it harder for agencies           operating losses of up to 5 years
      underserved communities.                      to “bundle” contracts, a practice that      3. Accelerated/bonus depreciation
  • Alternative Size Standards – more               often takes opportunities away from         4. Zero capital gains taxes for those
    small businesses eligible to get                small business. The law also has               who invest in small businesses
    SBA loans                                       stronger enforcement so agencies            5. Increased deductions for start-ups
    o The law expands the number of                 will be held more accountable for           6. Deductions for employer-provided
      businesses eligible for SBA loans by          reaching small business goals.                 cell phones
      increasing the alternate size               o The law enforces stronger                   7. Deductions for health insurance
      standard to those small businesses            subcontracting plan requirements               costs for the self-employed
      with less than $15 million in net             for large prime contractors to ensure       8. Limitations on penalties for errors in
      worth and $5 million in average net           small businesses are utilized in               tax reporting that disproportionately
      income.                                       subcontracting. It also discourages            affect small business
  • Temporary Enhancements to Help                  late payments to small                   Beyond SBA:
    with Working Capital, Commercial                subcontractors.                           • Small Business Lending Fund –
    Real Estate Refinancing                       o The law eliminates the                      $30 billion (administered by
    o The law increases the maximum                 Competitiveness Demonstration               Treasury)
      amount of SBA Express loans from              program, a program which actually           o The law provides smaller community
      $350,000 to $1 million (expires               limited opportunities for small               banks with low cost capital (as low
      9/27/2011).                                   business contractors in 10                    as 1 percent) if they go above and
    o The law allows some small                     industries, including construction.           beyond 2009 small business lending
      businesses to refinance their owner-        o The law enforces SBA’s continuing             levels.
      occupied commercial real estate               efforts to combat fraud, waste, and       • Establishes State Small Business
      mortgages into the 504 loan program           abuse. Federal agencies, including          Credit Initiative (administered by
      (expires 9/27/2012).                          the Department of Justice, will have        Treasury)
  • Dealer Floor Plan Pilot Extension,              more ability to vigorously pursue           o The law will provide up to $1.5
    Expansion                                       companies that win contracts by               billion to states to support state run
    o The pilot program (begun 2009)                misrepresenting their small business          small business lending programs.
      extends to 2013. Though the old pilot         status.
      has expired, the new, larger pilot        • Small Business Teaming
      will be implemented within 3                Opportunities
      months.                                     o The law provides $25 million for a
    o After the $5-million loan limit is            new pilot that provides grants that
      implemented, this will help even              will help small businesses team up
      more small businesses owners who              with each other to compete for larger
      sell cars, RVs, boats, other titleable        and more complex federal
      inventory.                                    government contracts.



Visit us online: www.sba.gov/fl/north                                                            NORTH FLORIDA Small Business Resource —   37
38 — Small Business Resource   NORTH FLORIDA   Visit us online: www.sba.gov/fl/north
TOP LENDERS
   Participating Lenders                CLAY                                    HOMEBANC                           GULF                                    NASSAU
     CLP - Certified                    WACHOVIA (A WELLS FARGO                   4320 Deerwood Lake Pkwy.         CENTENNIAL BANK CLP/SBAX/PTX            FIRST COAST COMMUNITY BANK
     PLP - Preferred                    COMPANY) PLP/SBAX                         Jacksonville, FL 32216             202 Marina Dr.                        CLP/PLP/SBAX/PTX
     SBAX - SBAExpress                    450 Park Ave., FL0179                   Contact: Jeffrey Katz, VP          Port St. Joe, FL 32456                   P.O. Box 1739
     PTX - Patriot Express                Orange Park, FL 32073                   904-401-1685 • 904-722-4256 F      Contact: SBA Representative              Fernandina Beach, FL 32035
     CX - Community Express               Contact: Tina L. Crowder, VP                                               850-229-7700 • 850-229-7777 F            Contact: Vicki Beaudry, EVP
                                          904-278-1475 • 904-278-1480 F         MERCANTILE BANK (A TRADE                                                      904-277-5292 • 904-491-7261 F
   ALACHUA                                                                      NAME OF TD BANK, NA)               JACKSON
   ALARION BANK                         COLUMBIA                                PLP/SBAX/PTX/CX                    FIRST CAPITAL BANK                      CBC NATIONAL BANK PLP/SBAX
     4373 Newberry Rd.                  FIRST FEDERAL BANK CLP/PLP                9715 Gate Pkwy. N.                  4701 Hwy. 90                           1891 S. 14th St.
     Gainesville, FL 32607                 4705 U.S. Hwy. 90 W.                   Jacksonville, FL 32246              Marianna, FL 32447                     Fernandina Beach, FL 32035
     Contact: Ken Boggs, VP                Lake City, FL 32055                    Contact: Beth Hallock, SVP          Contact: Chuck Hudson, VP              Contact: Durand Childers, SEVP
     352-547-1239 • 352-547-1201 F         Contact: Robert Turbeville, SVP        904-807-9026                        850-526-7144 • 850-526-7166 F          904-321-0400 • 904-321-1511 F
                                           386-754-7146 • 386-754-7161 F
   FLORIDA CITIZENS BANK                                                        WELLS FARGO, SBA LENDING           LAFAYETTE                               OKALOOSA
     3919 W. Newberry Rd.               DUVAL                                   PLP/SBAX                           LAFAYETTE STATE BANK                    CIT, SBLC PLP/PTX
     Gainesville, FL 32607              AMERICAN ENTERPRISE BANK                  225 Water St., 4th Fl.             340 W. Main St.                          981 Hwy. 98 E., Ste. 3
     Contact: Carl Miller, VP           CLP/PLP/SBAX/PTX                          Jacksonville, FL 32202             Mayo, FL 32066                           Destin, FL 32541
     352-332-4727 • 352-378-1836 F        10611 Deerwood Park Blvd.               Contact: Kevin W. Ellis, BDO       Contact: Bill Primm, SVP                 Contact: Kitty Spicer, RA Mgr.
                                          Jacksonville, FL 32256                  904-654-5655 • 904-943-4967 F      386-294-1901 • 386-294-2843 F            850-269-4694 • 850-269-4693 F
   FLORIDA CREDIT UNION
                                          Contact: Marshall Brown, SCO
     1615 N.W. 80th Blvd.                                                       ESCAMBIA
                                          904-821-3497 • 904-482-4992 F                                            LAKE                                    COASTAL BANK & TRUST
     Gainesville, FL 32606                                                      COASTAL BANK & TRUST               FEDERAL TRUST BANK                      CLP/PLP/SBAX/PTX
     Contact: Mark Starr, LO                                                    CLP/PLP/SBAX/PTX
                                        ATLANTIC COAST BANK                                                          256 W. County Rd. 44                    23 S. John Sims Pkwy.
     352-377-4141 • 352-264-2665 F                                                P.O. Box 12966
                                          12724 Gran Bay Pkwy., Ste. 150                                             Eustis, FL 32726                        Valparaiso, FL 32580
                                          Jacksonville, FL 32258                  Pensacola, FL 32591                Contact: Bob David, VP                  Contact: Rodney Jackson, VP
   MERCHANTS & SOUTHERN BANK
                                          Contact: Maureen Britz, Director of     Contact: Rodney F. Jackson, VP     352-323-1121 • 352-357-1535 F           850-436-4762 • 850-729-5578 F
   SBA/PTX
                                          Lending                                 850-436-7800 • 850-436-7811 F
     3631 N. Main St.
     Gainesville, FL 32405                904-880-6883 • 904-564-4084 F                                            LEON                                    COMMUNITY BANK, DESTIN
                                                                                GULF COAST COMMUNITY BANK
     Contact: Pat Stroud, VP                                                                                       HANCOCK BANK PLP/SBAX                   SBAX/PTX/CX
                                                                                  40 N. Palafox St.
     352-264-7255 • 352-371-6195 F      BBVA COMPASS PLP/SBAX                                                        101 N. Monroe St.                       12590 Emerald Coast Pkwy.
                                                                                  Pensacola, FL 32502
                                          10060 Skinner Lake Dr.                                                     Tallahassee, FL 32301                   Destin, FL 32550
   SUNSTATE FEDERAL CREDIT                                                        Contact: Jerry Burden, VP
                                          Jacksonville, FL 32246                                                     Contact: Brad Schild, VP                Contact: Jason Crowe, SVP
   UNION                                                                          850-995-9340 • 850-995-5102 F
                                          Contact: Jami Bucy, VP                                                     850-444-5189 • 850-432-1535 F           850-650-4231 • 850-269-5942 F
     405 S.E. 2nd Pl.                     904-564-8749 • 205-524-0575 F
                                                                                HANCOCK BANK PLP/SBAX
     Gainesville, FL 32602                                                                                         PRIME MERIDIAN BANK                     FIRST CITY BANK
                                                                                  4980 N. 12th Ave.
     Contact: Joe Bour, SVP             CENTERBANK OF JACKSONVILLE                                                   1471 Timberlane Rd., Ste. 124            135 Perry Ave. S.E.
                                                                                  Pensacola, FL 32504
     352-381-5227 • 352-371-9421 F        1325 Hendricks Ave.                                                        Tallahassee, FL 32312                    Ft. Walton Beach, FL 32548
                                                                                  Contact: Brad Schild, VP
                                          Jacksonville, FL 32207                                                     Contact: Ryan Graves, VP                 Contact: William Tinsley, SVP
   BAY                                                                            850-444-5189 • 850-432-1535 F
                                          Contact: Barbara Murphy, VP                                                850-907-2340 • 850-907-2391 F            850-244-5151 ext. 1240
   BORREGO SPRINGS BANK, N.A.
                                          904-421-3727 • 904-421-3737 F         FLAGLER                                                                       850-664-0058 F
   CLP/PLP/SBAX/PTX/CX
                                                                                FEDERAL TRUST BANK                 TALLAHASSEE STATE BANK
     14101 Panama City Beach Pkwy.,
                                        FIDELITY BANK CLP/PLP                     108 Central Ave.                   601 N. Monroe St.                     FIRST FLORIDA BANK SBAX/PTX
     #300
                                           10151 Deerwood Pk. Blvd.               Palm Coast, FL 32164               Tallahassee, FL 32304                    P.O. Box 128
     Panama City Beach, FL 32413
                                           Bldg. 200, #100                        Contact: SBA Representative        Contact: Ben Graybar, VP                 Destin, FL 32541
     Contact: Fred Crispen, VP
                                           Jacksonville, FL 32256                 386-437-2774 • 386-478-3466 F      850-205-5164 • 850-205-5169 F            Contact: Brett Wilson, SVP
     866-644-0042 • 866-717-7718 F
                                           Contact: Thomas Hurdman, BDO                                                                                       850-269-1201 • 850-654-5098 F
   CENTENNIAL BANK CLP/SBAX/PTX            904-821-7158 • 904-821-7975 F        PUTNAM STATE BANK                  MARION
     12141 Panama City Beach Pkwy.                                                4750 E. Moody Blvd., #107        ALARION BANK                            PREMIER COMMUNITY BANK
     Panama City Beach, FL 32407        FIRST ATLANTIC BANK                       Bunnell, FL 32011                  One N.E. First Ave.                     32 N.W. Beal Pkwy.
     Contact: Stan Lindsey, VP          CLP/SBAX/PTX                              Contact: John Skripko, BDO         Ocala, FL 34470                         Fort Walton Beach, FL 32548
     850-249-2265 • 850-249-2021 F         4500 Salisbury Rd.                     386-916-4751 • 386-437-6931 F      Contact: Ken Boggs, VP                  Contact: Linnette Wagers, AVP
                                           Jacksonville, FL 32257                                                    352-547-1239 • 352-547-1201 F           850-362-1225 • 850-362-1221 F
   FIRST NATIONAL BANK OF NW               Contact: Rae Spengler                FRANKLIN
   FLORIDA                                 904-446-2531 • 904-446-2595 F        CENTENNIAL BANK CLP/SBAX/PTX       FIRST AVENUE NATIONAL BANK              ORANGE
      101 E. 23rd St.                                                             22 Ave. E.                          910 S.W. 1st St.                     BANCO POPULAR NORTH
      Panama City, FL 32405             FIRST FEDERAL BANK OF FLORIDA             Apalachicola, FL 32340              Ocala, FL 34471                      AMERICA PLP/SBAX/PTX
      Contact: Michael Peters, SVP      CLP/PLP                                   Contact: Monica Lemieux, VP         Contact: Patrick H. Moses, EVP         8523 Commodity Cir.
      850-769-3207 • 850-747-0713 F        6622 Southpoint Dr., Ste. 340          850-653-8805 • 850-653-2232 F       352-236-6529 • 352-732-3536 F          Orlando, FL 32819
                                           Jacksonville, FL 32216                                                                                            Contact: SBA Representative
   HANCOCK BANK                            Contact: Ed Randall, VP              GULF STATE COMMUNITY BANK          FLORIDA CITIZENS BANK                     407-370-7444 • 407-370-7777 F
     1022 W. 23rd St.                      904-398-7959 • 904-296-1275 F          206 St. James Ave.                 720 S. Pine Ave.
     Panama City, FL 32405                                                        Carrabelle, FL 32322               Ocala, FL 34474                       BANK OF AMERICA
     Contact: Marshall Flowers, VP      FIRST GUARANTY BANK & TRUST               Contact: SBA Representative        Contact: William “Tony” Quisenberry   PLP/SBAX/PTX/CX
     850-770-7000 • 850-770-7732 F         P.O. Box 2578                          850-697-3395 • 850-697-2094 F      352-368-4006 • 352-369-4931 F           390 N. Orange Ave., Ste. 700
   CITRUS                                  Jacksonville, FL 32208                                                                                            Orlando, FL 32801
                                                                                GILCHRIST                          CENTERSTATE BANK
   REGIONS BANK CLP/PLP/SBAX/PTX           Contact: Chris Bouton, VP                                                                                         Contact: Juan Amo, VP
                                                                                DRUMMOND COMMUNITY BANK            CLP/SBAX/PTX
      800 W. Main St.                      904-301-2000 • 904-381-7040 F                                                                                     888-852-5000 ext. 3290
                                                                                   1502 E. Wade St.                  60 S.W. 17th St.
      Inverness, FL 34451                                                                                                                                    407-420-2787 F
                                                                                   Trenton, FL 32693                 Ocala, FL 34471
      Contact: SBA Representative                                                  Contact: Amy Owens                Contact: Tom Adair, SVP
      352-726-1237 • 352-726-7616 F                                                352-463-3010 • 352-463-6880 F     352-622-2377 • 352-622-6411 F


Visit us online: www.sba.gov/fl/north                                                                                                      NORTH FLORIDA Small Business Resource —             39
TOP LENDERS
  BANKFIRST CLP/PLP/SBAX/PTX              TRUSTCO BANK SBAX                   FIRST COMMERCIAL BANK               SUNTRUST BANKS, INC.                 SMALL BUSINESS LOAN SOURCE
    1031 W. Morse Blvd., Ste. 160           2450 Maitland Ctr. Pkwy., #302    OF FLORIDA CLP                      PLP/SBAX/CX                          PLP/SBAX/PTX
    Winter Park, FL 32789                   Maitland, FL 32751                   3505 W. Lake Mary Blvd.            Mail Code FL-Pt Orange-0536          9801 Westheimer Rd., Ste. 1100
    Contact: Paul Ihrig, VP                 Contact: Brad Delarm, VP             Lake Mary, FL 32746                3865 Nova Rd.                        Houston, TX 77042
    407-622-3193 • 407-622-3198 F           407-659-5710 • 407-659-5708 F        Contact: Carole Crowley, VP        Port Orange, FL 32127                Contact: SBA Representative
                                                                                 407-328-6163 • 407-330-4811 F      Contact: Richard Pesarchick, AVP     713-425-3942 • 713-425-3955 F
  BANKUNITED                              URBAN TRUST BANK                                                          386-304-0939 • 386-788-3448 F
    121 S. Orange Ave., #1500               715 S. Godwyn Ave.                FIRST NATIONAL BANK                                                      STEARNS BANK, N.A.
    Orlando, FL 32801                       Orlando, FL 32805                 OF CENTRAL FLORIDA                  Out-of-State                         PLP/SBAX/PTX
    Contact: Vanessa Siefcak, VP            Contact: Lamont Jackson              2160 W. S.R. 434                                                        4191 2nd St. S.
    407-267-4873 • 866-401-7937 F           407-732-5661                         Longwood, FL 32779
                                                                                                                  Lenders Who Make                       St. Cloud, MN 56301
                                                                                 Contact: Bill Stalker, VP        SBA Loans in                           Contact: SBA Representative
  CIT PTX/PLP                             PINELLAS                               407-774-3000 • 407-622-0766 F    Florida                                320-202-6132 • 320-253-2051 F
     522 S. Hunt Club Blvd./PBM-250       PNC BANK, NA PLP/SBAX/PTX
     Apopka, FL 32703                        111 Second Ave. N.E., Ste. 536   HOME BANC                           BRANCH BANKING & TRUST               SUPERIOR FINANCIAL GROUP
     Contact: Mike Seeley, RA Mgr.           St. Petersburg, FL 33701           100 Colonial Center Pkwy., #110   COMPANY PLP/SBAX/PTX                 SBAX/PTX/CX
     407-772-4556 • 407-772-4558 F           Contact: Kent Anderson, VP         Lake Mary, FL 32746                 200 W. 2nd St.                       165 Lennon Ln., Ste. 101
                                             727-743-2692 • 727-551-0998 F      Contact: SBA Representative         Winston Salem, NC 27102              Walnut Creek, CA 94598
  FAIRWINDS CREDIT UNION                                                        321-832-1369 • 321-832-8746 F       Contact: SBA Representative          Contact: SBA Representative
    135 W. Central Blvd.                  PUTNAM                                                                    336-733-2500 • 336-733-2509 F        925-296-0500 • 925-296-0510 F
    Orlando, FL 32832                     PUTNAM STATE BANK                   PINNACLE BANK SBAX
    Contact: Jorge Machado, SVP             350 N. State Road 19                 485 S. Ronald Reagan Blvd.       BUSINESS LENDERS, LLC PLP            SUN TRUST BANKS, INC. PLP/SBAX
    407-277-6030 ext. 12200                 Palatka, FL 32177                    Longwood, FL 32750                 50 State House Sq., 5th Fl.          Mail Code CS-RIC-4323
    407-306-6047 F                          Contact: John Skripko, BDO           Contact: Marshall Harris, VP       Hartord, CT 06103                    1001 Semmes Ave.
                                            386-586-6190 • 386-437-6931 F        386-774-2001 • 386-774-2010 F      Contact: SBA Representative          Richmond, VA 23294
  FIFTH THIRD BANK PLP/SBAX/PTX                                                                                     860-244-9202 • 860-527-0884 F        Contact: SBA Representative
                                          SAINT JOHNS
     200 E. Robinson St., #900                                                QUADRANT-FINANCIAL                                                         804-270-8168 • 804-270-8552 F
                                          FIRST SOUTHERN BANK
     Orlando, FL 32801                                                        (A SUBSIDIARY OF FIRST              COMMERCE BANK PLP/SBAX/PTX
                                             212 Ponte Vedra Park Dr.
     Contact: Jaime Martinez                                                  CHATHAM BANK) PLP                     1000 Walnut St.                    TRUSTMARK NATIONAL BANK
                                             Ponte Bedra Beach, FL 32082
     407-999-3032 • 407-999-3046 F                                               2015 S.R. 434                      Kansas City, MO 64141              PLP/SBAX/PTX
                                             Contact: Matt Green, Pres.
                                                                                 Longwood, FL 32779                 Contact: SBA Representative          248 E. Capital St.
                                             904-281-8355 • 904-281-0784 F
  FIRST NATIONAL BANK                                                            Contact: Lynne Singletary, VP      816-234-2000 • 816-234-2356 F        Jackson, MS 39201
  OF CENTRAL FLORIDA                      PUTNAM STATE BANK                      321-972-8840 • 321-972-8841 F                                           Contact: SBA Representative
     369 N. New York Ave.                   3275 U.S. 1 S.                                                        HANMI BANK PLP/SBAX                    601-208-5111 • 601-208-6424 F
     Winter Park, FL 32789                                                    SUWANNEE                              3660 Wilshire Blvd.
                                            St. Augustine, FL 32086
     Contact: Alan Singer, VP                                                 LAFAYETTE STATE BANK                  Los Angeles, CA 90010              U.S. BANK N.A. PLP/SBAX/PTX
                                            Contact: John Skripko, BDO
     407-622-5000 • 407-622-0766 F                                              106 Grand St.                       Contact: SBA Representative           425 Walnut St.
                                            386-586-6190 • 386-437-6931 F
                                                                                Live Oak, FL 32064                  213-427-5657 • 213-427-5774 F         Cincinnati, OH 92131
  FIRST BANK OF COMMERCE                  SANTA ROSA                            Contact: Bill Owens, VP                                                   Contact: SBA Representative
     105 E. Robinson St., #303            COMMUNITY BANK, DESTIN                386-294-1901 • 386-294-2843 F     INNOVATIVE BANK                         651-466-3000 • 651-303-0735 F
     Orlando, FL 32801                    PLP/SBAX/CX                                                             PLP/SBAX/CX/PTX
                                                                              VOLUSIA
     Contact: Dana Kilborne, Chairman       12590 Emerald Coast Pkwy.                                               350 14th St.                       UNITED BANK PLP/SBAX
                                                                              FEDERAL TRUST BANK SBAX
     321-751-6999 • 321-757-3837 F          Miramar Beach, FL 32550                                                 Oakland, CA 94612                    200 E. Nashville Ave.
                                                                                3880 S. Nova Rd.
                                            Contact: Jason Crowe, SVP                                               Contact: SBA Representative          Atmore, AL 36502
                                                                                Port Orange, FL 32127
  MERCANTILE BANK (A TRADE                  850-650-4231 • 850-650-9678 F                                           866-812-1216 • 510-899-6896 F        Contact: SBA Representative
                                                                                Contact: Bob David, VP
  NAME OF TD BANK, NA)                                                                                                                                   850-981-3352 • 850-981-3371 F
                                                                                386-323-1121 • 386-322-2260 F
  PLP/SBAX/PTX                            GULF COAST COMMUNITY BANK                                               KEY BANK, N.A. PLP/SBAX/PTX
    1560 Orange Ave., #300                  4885 Hwy. 90                      GATEWAY BANK                          127 Public Sq.                     UNITED MIDWEST SAVINGS BANK
    Winter Park, FL 32789                   Pace, FL 32571                      1950 W. Int’l Speedway Blvd.        Cleveland, OH 44144                PLP
    Contact: Michael Hershaft, VP           Contact: Jerry Burden, VP           Daytona Beach, FL 32114             Contact; SBA Representative          101 S. Main St.
    407-622-3544 • 407-622-8467 F           850-995-9340 • 850-995-5102 F       Contact: Mark Stiner, EVP           216-689-3000 • 216-813-1675 F        DeGraff, OH 43318
                                                                                386-947-5410 • 386-255-3819 F                                            Contact: SBA Representative
  ORANGE BANK                             UNITED BANK SBAX/PTX                                                    NARA BANK PLP/SBAX                     937-585-5861 • 937-585-6603 F
    1001 S. Dillard St.                     5907 Berryhill Rd.                MAINSTREET COMMUNITY BANK             3731 Wilshire Blvd., Ste. 1000
    Winter Garden, FL 34787                 Milton, FL 32570                   204 W. Woodland Blvd.                Los Angeles, CA 90010              WHITNEY NATIONAL BANK PTX
    Contact: Jerry Baker, EVP               Contact: Wayne Briske, VP          Deland, FL 32720                     Contact: SBA Representative         228 St. Charles Ave.
    407-654-8399 • 407-654-8496 F           850-981-3352 • 850-981-3371 F      Contact: Hal Rogers, EVP             213-639-1700 • 213-235-3033 F       New Orleans, LA 70130
                                                                               386-785-1164 • 386-785-1196 F                                            Contact: SBA Representative
  SEASIDE NATIONAL BANK &                 SARASOTA                                                                NEWTEK SMALL BUSINESS                 504-586-7272 • 504-552-4851 F
  TRUST                                   FIFTH THIRD BANK PLP/SBAX/PTX       PINNACLE BANK SBAX                  FINANCE PLP/SBAX/PTX
    201 S. Orange Ave.                       50 Central Ave., 8th Fl.            1113 Saxon Blvd.                    1440 Broadway, 17th Fl.           ZION’S FIRST NATIONAL BANK
    Orlando, FL 32801                        Sarasota, FL 34236                  Orange City, FL 32763               New York, NY 10018                PLP/SBAX/PTX
    Contact: Brian Miller, CA                Contact: Carmie Snider, VP           Contact: Marshall Harris, VP       Contact: SBA Representative          1 S. Main St.
    813-574-8316 • 813-574-8327 F            841-329-4624 • 941-329-4670 F       386-774-2001 • 386-774-2010 F       212-356-9510 • 212-643-0340 F        Salt Lake City, UT 84111
                                                                                                                                                          Contact: SBA Representative
  SUNTRUST BANK                                                               SUN TRUST BANKS, INC.
                                          SEMINOLE                                                                REGIONS BANK PLP/SBAX/PTX               801-524-2330 • 801-844-4457 F
  PLP/SBAX/PTX/CX                                                             PLP/SBAX/CX
                                          FEDERAL TRUST BANK                                                        1900 5th Ave. N.
    Mail Code FL: Orlando-0720                                                  Code FL-Coronado-0539
                                            312 E. First St.                                                        Birmingham, AL 35203
    8851 Conroy-Windermere Rd., 2nd Fl.                                         705 E. 3rd Ave.
                                            Sanford, FL 32771                                                       Contact: SBA Representative
    Orlando, FL 32835                                                           New Smyrna Beach, FL 32169
                                            Contact: Bob David, VP                                                  800-734-4667 • 205-326-7105 F
    Contact: Hetal Engineer, VP                                                 Contact: Kelly Azzinaro, VP
                                            407-323-1121 • 407-312-2924 F
    407-909-6804 • 407-909-6855 F                                               386-423-4592 • 386-423-0698 F


40 — Small Business Resource          NORTH FLORIDA                                                                                                     Visit us online: www.sba.gov/fl/north
                                         CONTRACTING OPPORTUNITIES

                          FEDERAL PROCUREMENT
                              OPPORTUNITIES
                                        How to Apply for Government Contracts
   The U.S. government is the largest
single purchaser of goods and services in
the world, buying everything from
armored tanks to paper clips. Every
year, the federal government awards
more than $500 billion in contracts, and
a significant share of those contracts are
specifically allotted to small businesses.
   The SBA works with agencies to
award at least 23 percent of all prime
government contracts to small
businesses, with specific statutory goals
for small businesses that are
disadvantaged, women-owned, service-
disabled veteran-owned, or located in
historically underutilized business zones
(HUBZone).
   The agency ensures that small
businesses have access to long-lasting
development opportunities, which means
working with small businesses to help
them stay competitive, as well as
encouraging federal agencies to award
more contracts to small businesses. The
SBA features outreach programs,               contracts do not permit any adjustment        determined. First, if an acquisition of
matchmaking events, and online                on the basis of the contractor’s costs        goods or services has an anticipated
training opportunities; and helps             during the performance of the contract.       dollar value of at least $3,000 but not
agencies identify opportunities for small     This type of contract is used in all sealed   exceeding $100,000, it is automatically
businesses.                                   bid and some negotiated procurements.         reserved for small businesses. The
                                                 Cost reimbursement contracts provide       acquisition will be set aside only if the
                                              for the payment of allowable costs            contracting officer determines there
HoW Government                                incurred by the contractor, to the extent     probably won’t be two or more
contractinG Works                             stated in the contract. The contract          responsible small business concerns that
Sealed bidding vs. Negotiation                establishes a ceiling price, above which a    are competitive in terms of market
                                              contractor may not exceed without the         prices, quality and delivery. Second, if an
   There are two methods the
                                              approval of the contracting officer. Cost     acquisition of goods or services is more
government uses to purchase goods and
                                              reimbursement contracts are used in           than $100,000, and if it’s likely offers
services. The first method, sealed
                                              research contracts that have commercial       will be obtained from at least two
bidding, involves issuing an invitation
                                              applicability.                                responsible small business concerns, and
for bid by a procuring agency. A contract
                                                 Some contracts do not fit neatly into      if awards will be made at fair market
is usually awarded to the lowest priced
                                              these two categories, such as time and        prices, the acquisition is reserved for
bidder. The second method, negotiation,
                                              material contracts (prices for hourly         small business concerns. Reasonable
involves issuing a request for proposal or
                                              wages are fixed but the hours are             expectations may be evaluated using
quotations, along with the negotiation
                                              estimated) and letter contracts               past acquisition history of an item or
for each element in the proposal. The
                                              (authorizes a contractor to begin work on     similar items.
business with the best proposal in terms
                                              an urgent requirement).                          There are several exceptions and
of technical content, price and other
                                                                                            unique rules for specific kinds of small
factors wins the contract.
                                              Small Business Set-Asides                     businesses and industries. For R&D
                                                A “set-aside” for small businesses          small business set-asides, there must be
Types of Contracts                            reserves an acquisition exclusively for       reasonable expectation of obtaining from
   Fixed price contracts places the                                                         small businesses the best scientific and
                                              small business concerns. There are two
responsibility for the costs and risk of                                                    technological sources consistent with the
                                              ways in which set-asides can be
loss on the contractor. Firm fixed price


Visit us online: www.sba.gov/fl/north                                                            NORTH FLORIDA Small Business Resource —   41
demands of the proposed acquisition. For
small business set-asides other than for
                                               WHat You sHoulD knoW                             • 5 percent of contracts go to Small
                                                                                                  Disadvantaged Businesses*
construction services, any concern             about Your business                              • 5 percent go to Women-Owned Small
proposing to furnish a product that it did        To be eligible to bid on a federal              Businesses
not itself manufacture must furnish the        contract, you must know your business.           • 3 percent go to Service-Disabled
product of a small business                                                                       Veteran-Owned Small Businesses
                                               Answer the following three questions:
manufacturer unless the SBA has                                                                 • 3 percent go to HUBZone Small
                                               1. Are you a small business?                       Businesses
granted either a waiver or exception to           Is your small business:
the non-manufacturer rule. In industries                                                         (*Small Disadvantaged Businesses is
                                                 • Organized for profit?
where the SBA finds that there are no                                                         not a certification program)
                                                 • Located in the U.S.?
small business manufacturers, it may             • Operated primarily within the U.S. or         Federal agencies have a strong
issue a waiver to the non-manufacturer             making a significant contribution to       incentive to fulfill these contracting
rule. Waivers permit small businesses to           the U.S. economy through payment of        goals. You should apply for those SBA-
provide any domestic firm’s product.               taxes or use of American products,         Certified and Self-Certified programs for
                                                   materials, or labor?                       which you qualify to take advantage of
Subcontracting                                   • Independently owned and operated?          contracting opportunities.
   Subcontracting opportunities are a            • Not dominant in the field of operation
great resource to small businesses,
                                                   in which it is bidding for government
                                                   contracts?
                                                                                              Hubzone
especially to those not ready to bid as          • A sole proprietorship, partnership,           HUBZones (Historically Underutilized
prime contractors. Experience gained               corporation, or any other legal form?      Business Zones) are SBA-designated
from subcontracting can better prepare            If the first six criteria apply to your     geographic regions that have been
businesses to bid for larger, prime            business, ask yourself the second              historically underutilized. There is a
contracts.                                     important question to find out if your         federal governmentwide goal of
   Current regulations stipulate for           business meets size standard                   awarding at least 3 percent of
contracts offering subcontracting              requirements.                                  contracting dollars to small businesses
opportunities and that are over $550,000       2. What is the size standard for your          in HUBZones. The HUBZone Program
for goods and services, or $1 million for      business?                                      also establishes preference for award of
construction, large business prime                Size standards are used to determine        federal contracts to small businesses in
contractors must offer maximum                 whether a business is small or “other          these areas. To be eligible for the
practicable opportunity to small               than small”. Size standards vary               HUBZone Program, businesses:
                                               depending upon the industry. To                  • Must have their headquarters located
businesses. Large business prime
                                               determine the size standard for your               in a HUBZone;
contractors must submit a plan                                                                  • 35 percent of their employees must
describing how they will successfully          business, you will need a NAICS code
                                                                                                  reside in a HUBZone;
subcontract to small businesses.               and an SIC code. Every federal agency
                                                                                                • Must be at least 51 percent owned by
   To find subcontracting opportunities,       uses these codes when considering your             one or more U.S. citizens, a community
find a list of prime contractors through       business.                                          development corporation, an
the Subcontracting Directory at                   Some SBA programs require their                 agricultural cooperative, or an Indian
www.gsa.gov and www.sba.gov. Research          own unique size standards. To find out             tribe.
the primes and determine which are best        more about these requirements and                 Existing businesses that choose to
                                               other size standard information, go to:        move to qualified areas are eligible. To
suited for your business. Develop a
marketing strategy, and then contact the       http://www.sba.gov/contractingopportunities/   fulfill the requirement that 35 percent of
Small Business Liaison Officer listed for      officials/size/index.html                      a HUBZone firm’s employees reside in a
each prime to schedule an appointment.         3. Do you fall under a specific                HUBZone, employees must maintain a
certiFicate oF competencY                      certification?
                                                  Under the umbrella of “small
                                                                                              primary residence in a HUBZone for at
                                                                                              least 180 days or be currently registered
proGram                                        business,” SBA has outlined several            to vote in that area.
   The Certificate of Competency               specific certifications that businesses           SBA is responsible for:
Program allows a small business to             may fall under. These certifications are         • Determining whether or not individual
appeal a contracting officer’s                 divided into two categories: SBA-                  concerns are qualified HUBZone small
determination that it is unable to fulfill     Certified and Self-Certified.                      business concerns;
the requirements of a specific                    The SBA-Certified Programs were               • Maintaining a list of qualified
government contract on which it is the         created to assist specific groups in               HUBZone small business concerns for
apparent successful bidder. The SBA            securing federal contracts and therefore           use by acquisition agencies in
will conduct a detailed review of the          can only be granted by SBA                         awarding contracts under the program;
                                               administrators. However, you can                 • Adjudicating protests and appeals of
firm’s technical and financial capabilities                                                       eligibility to receive HUBZone
                                               determine for yourself if your business
to perform on the contract. If the                                                                contracts.
                                               meets the requirements of the Self-
business demonstrates the ability to                                                            For additional information, visit:
                                               Certified Programs by referring to the
perform, the SBA issues a certificate of       Federal Acquisition Regulations (FAR).         www.sba.gov/hubzone.
competency to the contracting officer,            Just as small businesses have been
requiring award of that contract to the
small business.
                                               given the goal of procuring 23 percent of
                                               federal contracting dollars, so too have a
                                                                                              8(a) business Development
                                               few of these certifications been given         proGram
                                               specific contracting goals. These goals           The 8(a) Business Development
                                               are:                                           Program is a nine year program
                                                                                              established to assist eligible socially and


42 — Small Business Resource   NORTH FLORIDA                                                                   Visit us online: www.sba.gov/fl/north
economically disadvantaged individuals         and economically disadvantaged.              them. When a business’s SDVOSB self-
develop and grow their businesses.             Congress has directed that individuals       certification is challenged, SBA
Business development assistance                who are members of certain ethnic            determines if the business meets the
includes one-to-one counseling, training       groups are presumed to be                    status, ownership, and control
workshops, and other management and            disadvantaged. Other persons, including      requirements.
technical guidance. To be eligible for the     women and persons of any race, can also         Veterans and service-disabled
8(a) program, a business must be:              qualify by establishing their                veterans may participate in all SBA
  • A small business;                          disadvantaged status.                        procurement programs. To determine
  • Owned by one or more U.S. citizens;           Firms self-certify as SDB for federal     your eligibility, contact your local
  • Be established for two full years before   prime contracts and subcontracts             veterans business development officer,
    applying;                                  without submitting any application to        visit the various program websites, or
  • Owned (at least 51 percent) and
                                               SBA. To self-certify, firms should           contact SBA’s Office of Veterans
    controlled by one or more individuals
    who qualify as socially and
                                               updated their CCR profiles and update        Business Development at:
    economically disadvantaged;                their ORCA profiles, making sure that        www.sba.gov/vets.
  • Managed and operated by the                both profiles reflect their SDB status.         For additional information, visit:
    disadvantaged individual upon whom                                                      www.sba.gov/aboutsba/sbaprograms/gc/prog
                                                                                            rams/gc_service_disabled.html.
    eligibility is based.
   Socially disadvantaged individuals are
                                               sDvosb                                          For more information on certifications
those who have been subjected to racial          The SDVOSB (Service-Disabled               not described in depth here, refer to the
or ethnic prejudice or cultural bias           Veteran-Owned Small Business)                glossary of terms on the following page.
because of their identity as a member of       Program has a federal government-wide
                                               goal of awarding at least 3 percent of
a group without regard to their
individual capabilities. The following         contracting dollars to Service-Disabled      HoW to Get starteD
individuals are presumed to be socially        Veteran-Owned Small Businesses each             Once you have identified the
disadvantaged: Black Americans, Native         year.                                        important information regarding your
Americans, Hispanic Americans, Asian             The SDVOSB Protest is administered         business, it is time to start the process of
Pacific Americans, and Subcontinent            by SBA to ensure that only businesses        procuring a government contract. Take
Asian Americans. An individual who is          owned by service-disabled veterans           these necessary steps to begin the
not a member of one of these groups            receive contracts reserved exclusively for   bidding process:
must establish individual social
disadvantage by a preponderance of
evidence. Economically disadvantaged
individuals are socially disadvantaged
individuals whose ability to compete in
the free-enterprise system has been
impaired due to diminished capital and
credit opportunities as compared to
others in the same or similar line of
business who are not socially
disadvantaged.
   For initial 8(a) Program certification,
the net worth of an individual claiming
disadvantage must be less than
$250,000. For continued 8(a) Program
eligibility after admission, the net worth
must be less than $750,000. In
determining net worth, SBA will exclude
the ownership interest in the applicant
business and the equity in the primary
residence.
   For additional information, visit:
www.sba.gov/aboutsba/sbaprograms/8abd/
index.html.
SBA North Florida District Office
     7825 Baymeadows Way, Ste. 100B
     Jacksonville, FL 32256-7504
     904-443-1900 • 904-443-1980 Fax
     www.sba.gov/fl/north


sDb
   An SDB (Small Disadvantaged
Business) is defined as one that is at
least 51 percent owned and controlled by
one or more individuals who are socially


Visit us online: www.sba.gov/fl/north                                                            NORTH FLORIDA Small Business Resource —   43
  1. Identify your DUNS (Data Universal                the use of an online shopping tool.           provide various forms of business
     Numbering System) number                          Becoming a GSA schedule contractor            assistance to eligible 8(a) participants
     To register your business, obtain a               increases your opportunity for                as protégés to improve their ability to
     DUNS number used to identify and                  contracts across all levels of                compete in the public and private
     track millions of businesses. You can             government. Businesses interested in          marketplaces successfully. To find out
     obtain your free DUNS number by                   becoming GSA schedule contractors             more, go to
     contacting Dun & Bradstreet at                    should review the information                 www.sba.gov/aboutsba/sbaprograms
     www.dnb.com.                                      available at www.gsa.gov/schedules.           /8abd/mentroprogram/index.html.
  2. Identify your EIN                              7. Make Sure Your Business is Financially     3. Online Training Programs
     (Employer Identification Number)                  Sound                                         SBA’s Small Business Training
     An EIN, otherwise known as a federal              This critical step is absolutely              Network is a virtual campus complete
     tax identification number, is generally           necessary to make sure that your              with courses and programs to help the
     required of all businesses. For more              business is financially prepared for the      small business owner. The free,
     information, go to                                journey ahead. Even if you are able to        30-minute course, “Business
     www.irs.gov/businesses/small/article/0,,id        obtain a government contract, you will        Opportunities: A Guide to Winning
     =98350,00.html.                                   not be receiving all of the money at          Federal Contracts,” is a good
  3. Identify your NAICS and SIC codes                 once. It helps to have a clear plan of        introduction for businesses looking to
     The NAICS and SIC codes are used to               how your business will stage the              obtain a contract with the federal
     classify the industry a particular                benefits of the contract.                     government. To view this course,
     business occupies. To register your            8. FedBizOpps                                    among others, go to
     business, supply at least one code.               Federal Business Opportunities, or            www.sba.gov/training.
     Refer to the Glossary for more                    FedBizOpps, is an online service           4. Online Podcasts
     information.                                      operated by the federal government            To make help even more accessible,
  4. Register with the CCR                             that announces available business             SBA has podcasts on a variety of topics
     (Central Contractor Registration)                 opportunities. FedBizOpps helps               that will provide more specific
     The CCR is an online government-                  identify the needs of federal agencies        information on SBA, government
     maintained database of companies                  and available contracting                     contracting, and small businesses. To
     wanting to do business with the                   opportunities. To begin searching for         access these podcasts, go to
     federal government. Agencies search               contracting opportunities, go to              www.sba.gov/tools/audiovideo/Podcasts
     the database for prospective vendors.             www.fbo.gov.                                  /index.html
     The CCR is at www.ccr.gov.                     9. Marketing Your Business                    5. Counseling Services
   After completing registration, you will             Registering your business is not              SBA has a variety of counseling
                                                       enough to obtain a federal contract:          services aimed at targeting the various
be asked to enter your small business
                                                       you will need to market your business         needs of small business owners. Some
profile information through the SBA                    to attract federal agencies. Tips for         of the counseling services we offer are:
Supplemental Page. The information                     good marketing are:                              o SBA district offices: These offices
will be displayed in the Dynamic Small                    o Determine which federal agencies              can provide general information
Business Search.                                            buy your product or service, and              about SBA and government
                                                            get to know them                              contracts.
   Creating a profile in CCR and keeping
                                                          o Identify the contracting                    o SBDCs (Small Business
it current ensures your firm has access                                                                   Development Centers): SBDCs
                                                            procedures of those agencies
to federal contracting opportunities.                     o Focus on opportunities in your                provide management assistance to
Entering your small business profile,                       niche and prioritize                          current and prospective small
including your business information and                                                                   business owners in the form of
                                                     Although not required, you may want
                                                                                                          both information and guidance.
key word description, allows contracting          to obtain a PSC (Product Services Code)               o WBCs (Women’s Business
officers, prime contractors, and buyers           and/or a FSC (Federal Supply                            Centers): WBCs exist to help
from state and local governments to               Classification). These codes provide                    women entrepreneurs, especially
learn about your company.                         additional information about the services               women who are economically
  5. ORCA                                         and products your business offers.                      and/or socially disadvantaged,
     Prospective contractors will need to                                                                 start and grow their own business.
                                                                                                          This is achieved through
     complete paperwork as a part of the
     representations and certifications
                                                  available resources                                     comprehensive training and
     process that registers your business.          SBA has a variety of services and                     counseling on a vast array of topics
     To make this process easier for              resources that can provide you with                     in many languages.
                                                  more information and coach you through                o SCORE - Counselors to America’s
     everyone involved, the government
                                                  the necessary steps to take in order to be              Small Business: One of SBA’s
     developed ORCA (Online
                                                                                                          resource partners, SCORE in a
     Representations and Certifications           successful in your search for a                         non-profit organization dedicated
     Application), where businesses can           government contract.                                    to helping entrepreneurs and
     complete all of the paperwork online.          1. The 8(a) Business Development                      small business start, grow, and
     To begin this process, go to                      Program                                            succeed nationwide.
     https://orca.bpn.gov.                             The 8(a) Program provides                        o Office of Veterans Business
  6. GSA Schedule                                      development support to small                       Development: The Office of
     The GSA (Government Services                      businesses that are economically                   Veterans Business Development
     Administration) Schedule is used by               and/or socially disadvantaged. To find             aims at maximizing the
     GSA to establish long-term,                       out more, go to                                    availability, applicability, and
     government-wide contracts with                    www.sba.gov/aboutsba/sbaprograms/                  usability of SBA programs for
     commercial firms. Once these contracts            8abd/.                                             Veterans, Service-Disabled
     are established, the government can            2. The Mentor Protégé Program                         Veterans, Reserve Component
     order the services and supplies they              The Mentor Protégé Program                         Members, and their dependents or
     need directly from the firms through              encourages approved mentors to                     survivors.


44 — Small Business Resource   NORTH FLORIDA                                                                      Visit us online: www.sba.gov/fl/north
     To find the locations of these offices, or
                                                                     GLOSSARY OF TERMS
     to learn more, go to www.sba.gov/local
     resources.
  6. Procurement Resources                        8(a): The 8(a) Business Development         NAICS codes at any time. To find your
     There are three main resources               Program assists eligible socially and       NAICS code, visit www.census.gov/eos/
     available for procurement concerns:          economically disadvantaged individuals      www/naics/index. html.
        o PTACs (Procurement Technical            develop and grow their business.
          Assistance Centers): PTACs              Businesses that usually have been in        Mentor Protégé Program: The SBA-
          provide assistance to businesses        existence for at least two years may be     sponsored Mentor Protégé Program is a
          that want to sell products and          eligible for the nine-year program that     subset of the 8(a) program. Mentor
          services to federal, state, and/or      includes counseling, training, and          firms are paired with protégé firms to
          local government. To find a PTAC                                                    provide the assistance to compete
                                                  potential federal procurement
          in your state, go to
                                                  opportunities.                              successfully for federal contracts. For
          www.dla.mil/db/procurem.htm.
        o PCRs (Procurement Center
                                                                                              more information, go to www.sba.gov/
          Representatives) and CMRs               CCR (Central Contractor Registration):      aboutsba/sbaprograms/8abd/mentor
          (Commercial Marketing                   The CCR is an online government-            program/index.html.
          Representatives): PCRs work to          maintained database of companies
          increase the small business share       wanting to do business with the federal     Service-Disabled Veteran-Owned: The
          of federal procurement awards.          government. Agencies search this            Service-Disabled Veteran-Owned Small
          CMRs offer many services to             database for prospective vendors. To        Business program is a subset of the
          small businesses, including             register with the CCR, go to                Veteran-Owned Small Business
          counseling on how to obtain             www.ccr.gov.                                program, and has a federal
          subcontracts. To find a PCR or                                                      government-wide goal of awarding at
          CMR near you, go to
                                                  FAR (Federal Acquisition Regulations):      least 3 percent of contracting dollars to
          http://www.sba.gov/aboutsba/
          sbaprograms/gcbd/GC_PCRD1.              The FAR is the book of official             Service-Disabled Veteran-Owned Small
          html.                                   acquisition regulations by which            Businesses each year.
                                                  government programs are defined and
                                                  federal agencies determine the              SIC (Standard Industrial Classification):
                                                  awarding of contracts. To view the          SIC codes are four-digit numbers that
                                                  complete FAR, go to www.acquisition.        are used to classify the industry a
                                                  gov/far.                                    particular business occupies. While
                                                                                              NAICS codes have largely replaced SIC
                                                  GCBD (Government Contracting and            codes, you will still need to provide
                                                  Business Development): The Office of        your SIC code. SIC codes can be found
                                                  Government Contracting and Business         at
                                                  Development is an office within SBA         www.osha.gov/pls/imis/sicsearch.html
                                                  that aims to enhance the effectiveness
                                                  of small business programs by               Veteran-Owned: A veteran-owned
                                                  developing policies, regulations, and       small business is defined as one that is
                                                  statutory changes. Please refer to the      at least 51 percent owned and
                                                  official website at                         controlled by one or more veterans; or,
                                                  www.sba.gov/aboutsba/sba                    in the case of any publicly owned
                                                  program/gcbd/ index.html.                   business, at least 51 percent of the
                                                                                              stock is owned by one or more veterans
                                                  HUBZone (Historically Underutilized         and whose management and daily
                                                  Business Zone): HUBZones are SBA-           business operations are controlled by
                                                  designated geographic regions that          one or more veterans. For more
                                                  have been historically underutilized.       information, go to www.sba.gov/ vets.
 Additional Online Resources                      There is a federal government-wide
                                                  goal of awarding at least 3 percent of      Women-Owned: A woman-owned
    ■ Department of Defense (The DoD is           contracting dollars to small businesses     small business is defined as one that is
      the largest purchaser of goods from         in HUBZones. In order to be eligible for    at least 51 percent owned and
      small businesses):                          the HUBZone program, businesses             controlled by one or more women; or, in
      www.acq.osd.mil/sadbu                                                                   the case of any publicly owned
                                                  must have their headquarters located
    ■ Office of Federal Procurement Policy:
                                                  in a HUBZone and 35 percent of their        business, at least 51 percent of the
      www.whitehouse.gov/omb/
      procurement                                 employees must reside in a HUBZone.         stock is owned by one or more women
    ■ Acquisition Forecast:                                                                   and whose management and daily
      http://acquisition.gov/comp/                NAICS (North American Industry              business operations are controlled by
      procurement_forecasts/index.html            Classification): NAICS codes are six-       one or more women. There is a federal
    ■ Federal Supply Schedule (FSS):              digit numbers that are used to classify     goal of awarding at least 5 percent of
      www.gsa.gov                                 the industry a particular business          contracting dollars to women-owned
    ■ GSA Center for Acquisition Excellence:      occupies. You will need at least one        small businesses each year. For more
      www.gsa.gov/Portal/gsa/ep/content           NAICS code to complete your                 information, go to www.sba.gov/
      View.do?contentType=GSA_                    registration, but be sure to list as many   aboutsba/sbaprograms/online.wbc
      BASIC&contentId=25926
                                                  as apply. You may also add or change


Visit us online: www.sba.gov/fl/north                                                               NORTH FLORIDA Small Business Resource —   45
                                               DISASTER RECOVERY &

                   DISASTER ASSISTANCE
                        Knowing the Types of Assistance Available for Recovery
                                                                                                 More information on all of SBA’s
                                                                                              disaster assistance programs, including
                                                                                              information for military reservists, is
                                                                                              available at: http://www.sba.gov/disaster
                                                                                              assistance.
                                                                                              Disaster Preparedness
                                                                                                 For small businesses, surviving a
                                                                                              disaster doesn’t begin with clearing the
            he disaster program is SBA’s       injury disaster loans to small businesses,     debris and returning to work.



T           largest direct loan program,       small agricultural cooperatives and               Surviving begins long before the
            and the only SBA program for       private nonprofit organizations of all         disaster strikes, or before active-duty
            entities other than small          sizes. The loan limit for economic injury,     orders are received – with proper
            businesses. SBA is                                                                planning. Your planning should include
                                               as a direct result of the disaster event, is
responsible for providing affordable,                                                         insurance coverage, emergency power,
                                               $2 million. These working capital loans
timely and accessible financial assistance                                                    protection of company records, fire safety,
                                               are intended to be made to entities
to homeowners, renters, businesses of all                                                     medical emergencies, taking care of your
                                               without credit elsewhere, as determined        employees and continuity planning – how
sizes and private, non-profit                  by SBA, to help pay ordinary and
organizations following declared                                                              your business will continue during and
                                               necessary operating expenses that would        after the emergency or disaster.
disasters. By law, governmental units          have been payable barring the disaster
and agricultural enterprises are                                                                 Starting is as easy as clicking on the
                                               event. The limit for physical and EIDL         SBA’s Web site at: http://www.sba.gov/
ineligible.
                                               loans combined is $2 million.                  disasterassistance. The site includes a
   The SBA is authorized by the Small
Business Act to make two types of
                                                  Military Reservists Economic Injury         wealth of information on the SBA’s
disaster loans:                                Disaster Loans, a type of economic injury      disaster recovery programs for home-
                                               loan, are available for up to $2 million to    owners and renters, and businesses of all
                                               assist eligible small businesses meet          sizes. There are articles on emergency
Physical Disaster Loans
   Physical Disaster Loans are the             their ordinary and necessary operating         planning for disasters, descriptions of
primary source of funding for permanent        expenses that they could have met, but         SBA’s programs, and links to
rebuilding and replacement of uninsured        are unable to meet, because an essential       government and industry Web sites with
or underinsured disaster-caused                employee was “called up” to active duty        great planning information.
damages to privately-owned real and/or         in his/her role as a military reservist.          Additionally, to help small businesses
personal property. SBA’s physical              These loans are intended to provide only       with their preparedness planning, SBA
disaster loans are available to                the amount of working capital needed by        has teamed up with Agility Recovery
homeowners, renters, businesses of all         a small business to pay its necessary          Solutions to encourage small businesses
sizes and private nonprofit organizations      obligations as they mature until               to take the necessary steps to protect
of all sizes. A homeowner may apply for a      operations return to normal after the          their employees, important records and
loan of up to $200,000 to repair or            essential employee is released from            their business assets. SBA and Agility
replace the primary residence to its pre-      active military duty.                          have partnered to provide an educational
disaster condition. Homeowners or                                                             tool for small business owners via the
                                                  For all disaster loans, SBA can only
renters may apply for a loan up to                                                            Prepare My Business Web site
                                               approve loans to applicants having a
$40,000 to help repair or replace personal                                                    (www.preparemybusiness.org).
                                               credit history acceptable to SBA and who
property, such as clothing, furniture or                                                         As small businesses are leading
                                               also show the ability to repay the loans.      America’s economic recovery, many of
automobiles, lost in the disaster.             The terms of each loan are established in
Businesses and private, nonprofit                                                             them are investing time and money into
                                               accordance with each borrower’s ability        their plans to grow and create jobs.
organizations of any size may apply for a      to repay. The law gives SBA several
loan up to $2 million (actual loan                                                            Developing a strong disaster prepared-
                                               powerful tools to make disaster loans          ness plan should be a critical and
amounts are based on the amount of             affordable: low-interest rates (around 4
uncompensated damage) to repair or                                                            integral piece of those efforts. Planning
                                               percent), long-terms (up to 30 years), and     for a disaster is the best way of limiting
replace real property, machinery,
                                               refinancing of prior liens (in some cases).    its effects.
equipment, fixtures, inventory and
                                               As required by law, the interest rate for
leasehold improvements.                                                                       Other helpful sites include:
                                               each loan is based on SBA’s
                                               determination of whether each applicant          Department of Homeland Security
Economic Injury Disaster Loans                 does or does not have credit available         (DHS) and the Federal Emergency
  Economic injury disaster loans provide                                                      Management Agency (FEMA) -
                                               elsewhere (the ability to borrow or use
the necessary working capital after a                                                         www.ready.gov
                                               their own resources to overcome the              Red Cross Ready Rating Program -
declared disaster until normal operations
                                               disaster).
resume. The law restricts economic                                                            www.readyrating.org


46 — Small Business Resource   NORTH FLORIDA                                                                   Visit us online: www.sba.gov/fl/north
BUSINESS DIRECTORY




Visit us online: www.sba.gov/fl/north   NORTH FLORIDA Small Business Resource —   47
                                                         ADVOCACY

                         WATCHING OUT FOR YOU
                                          The SBA is Your Voice in Washington




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


48 — Small Business Resource   NORTH FLORIDA                                                               Visit us online: www.sba.gov/fl/north
OTHER ASSISTANCE
 Other Sources of                            FLORIDA MINORITY SUPPLIER               BUSINESS AND PROFESSIONAL                         DIVISION OF CORPORATIONS
                                             DEVELOPMENT COUNCIL (FMSDC)             REGULATION                                          Corporations, Ficticious Names, LLC’s
 Assistance                                    6880 Lake Ellenor Dr., Ste. 104A        Professional Licensing                            800-755-5111
 GOVERNOR’S OFFICE                             Orlando, FL 32809                       850-487-1395                                      www.dos.state.fl.us
   400 S. Monroe St.                           407-245-6062 • 407-857-8647 Fax         www.myflorida.com/dbpr/
   The Capitol                                 www.fmsdc.org                                                                           UNIVERSITY OF FLORIDA SMALL
   Tallahassee, FL 32399-0001                                                        WORKFORCE FLORIDA                                 BUSINESS CONSULTING PROGRAM
   850-488-4441                              STATE OF FLORIDA                         Human Resources Assistance                       (UF SIFE)
   www.myflorida.com                         OFFICE OF SUPPLIER DIVERSITY             850-921-1119                                       Free Small Business Consulting
                                               4050 Esplanade Way                     www.workforceflorida.com                           352-273-0165
 BLACK BUSINESS INVESTMENT FUND
                                               Tallahassee, FL 32399-0950                                                                www.ufsife.com/business-consulting.html
 (BBIF)                                                                              DEPARTMENT OF ENVIRONMENTAL
                                               850-487-0915
   315 E. Robinson St., Ste. 660                                                     PROTECTION
                                               osdhelp@dms.myflorida.com                                                               NORTH FLORIDA COUNTIES
   Orlando, FL 32801                                                                   For Construction Purposes                         The SBA’s North Florida District Office
   407-649-4780                                                                        850-245-2118
                                             FLORIDA SMALL BUSINESS                                                                      serves 43 counties in North Florida:
   info@bbif.com                                                                       www.dep.state.fl.us
                                             DEVELOPMENT CENTER NETWORK                                                                  Alachua:             www.co.alachua.fl.us/
   www.bbif.com
                                               Jerry Cartwright, State Director                                                          Baker:              www.bakercountyfl.org
 ENTERPRISE FLORIDA                            850-473-7830                          AGENCY FOR WORKFORCE INNOVATION                     Bay:                      www.co.bay.fl.us
   390 N. Orange Ave., Ste. 1300               www.floridasbdc.com                     Labor Market Statistics, Unemployment             Bradford:        www.bradford-co-fla.org
   Orlando, FL 32801                                                                   Information, Etc.                                 Calhoun:      www.mycalhouncounty.com
   407-316-4600                              DEPARTMENT OF FINANCIAL SERVICES          866-778-7356                                      Citrus:               www.bocc.citrus.fl.us
   www.eflorida.com                            For Insurance Purposes                  www.floridajobs.com                               Clay:            www.claycountygov.com
                                               850-410-9370                                                                              Columbia: www.columbiacountyfla.com
 ENTERPRISE FLORIDA                            www.dep.state.fl.us                   DEPARTMENT OF REVENUE                               Dixie:              www.dixie-county.com
   3 E. Independent Dr.                                                                Taxpayer Services, Sales Tax Information          Duval:                         www.coj.net
   Jacksonville, Fl 32202                                                              850-488-6800 or 800-352-3671                      Escambia:           www.co.escambia.fl.us
   904-359-9350                                                                        www.myflorida.com/dor                             Flagler:            www.flaglercounty.org
   lbernaski@eflorida.com                                                                                                                Franklin: www.franklincountyflorida.com



              SUCCESS
              S T O R Y                 Local Sunscreen Company Succeeds in International Export Business
        Amelia Island- David Capps established                 Caribbean Breeze continues to achieve                who have expertise with small businesses.
    Caribbean Breeze in 1994, after watching the            success by recognizing that global markets              These groups have been brought together to
    Ron Rice story (owner of Hawaiian Tropic) late          represent a tremendous customer base.                   streamline the process of finding and utilizing
    one night. He was born in Kannapolis, NC                Diversifying geographically has allowed                 professional resources. These participating,
    and moved to Brunswick, Georgia at the age              Caribbean Breeze to manage the ups and                  qualified professionals are experts in banking,
    of two, where he grew up and received his               downs of the sun care products industry.                law, accounting, insurance, commercial real
    education. After graduation from Glynn                  Caribbean Breeze has 11 full time employees,            estate, human resources, marketing, buying
    Academy in 1965, David entered the United               including office, sales and warehouse staff.            and selling a business, computers/technology,
    States Air Force. During his time in the USAF,          The number of employees has remained                    and a wide variety of other management
    David attended San Francisco State University           relatively stable over the years, but what’s            issues relevant to small businesses. For more
    where he earned an Associate’s Degree in                remarkable is the longevity of the staff. Most          information visit: www.SBRN.org.
    Business Administration. He also served in              of Caribbean Breeze employees have been                    David Capps is innovative and aggressive
    Southeast Asia as a K-9 handler. He was                 with the company for 12 – 15 years.                     and not afraid to explore new horizons.
    honorably discharged after four years of                   Despite the great success today of Caribbean         Caribbean Breeze distributes its products
    serving his country. David’s education left             Breeze, Mr. Capps has faced many challenges             through a network of sales and distribution
    him with an admiration of entrepreneurship.             as a business owner and has overcome them               representatives, distributors, brokers,
        In the early 1990’s, David was part owner of        with SBA’s assistance. As Mr. Capps says, "The          wholesalers and retail outlets. The company’s
    a car dealership, but this did not really satisfy       assistance I received from the SBDC and SBRN            products are at present being sold in
    his desire to achieve the American dream of             helped me tremendously and was critical to              approximately 48 states and over 45 countries.
    entrepreneurship. After several years of                my company growing the way that it has."                Future plans will include increasing export
    research and development, the concept of                   The Small Business Development Center at             business in additional countries. Recent
    Caribbean Breeze was born. David researched             the University of North Florida provides                contacts and negotiations are underway in
    the largest sunscreen provider to gain some             management assistance to current and                    Thailand, Brazil, Chile, Columbia, Panama,
    knowledge of what to put in a sunscreen.                prospective small business owners. SBDCs are            South Korea, Vietnam, New Zealand,
    Caribbean Breeze partnered up with a contract           located nation-wide and offer one-stop                  Netherlands, Nicaragua, Israel, and China, just
    filler to mix the formulas, fill and label the          assistance to individuals and small businesses          to name a few.
    Caribbean Breeze line of products. These                by providing a wide variety of information                 David Capps, President of Caribbean Breeze
    formulas are still used today. With limited             and guidance in central and easily accessible           International, Inc may be contacted at 85101
    capital and creative financing, David launched          branch locations. For more information visit            Commercial Park Dr. Yulee, FL 32097 or
    Caribbean Breeze International in 1994. From            the SBDC at UNF’s website at                            904-225-0167 or by visiting
    the beginning, he knew he did not want to               www.sbdc.unf.edu.                                       www.caribbeanbreeze.com.
    compete in the drug, mass and grocery                      Designed especially for the small business              For more information on SBA’s Programs
    markets with the big names in sun care                  person, the Small Business Resource Network             and Services, please visit www.sba.gov
    products. In the U.S., David created a niche            (SBRN) answers basic questions and is easy to
    for his products that are found in the                  use. Their website is your guide to frequently
    boutiques of resort hotels, water parks, gift           accessed regulatory agencies and relevant not-
    shops, and other specialty stores.                      for-profit organizations as well as professionals



Visit us online: www.sba.gov/fl/north                                                                                             NORTH FLORIDA Small Business Resource —         49
OTHER ASSISTANCE
   Gadsden:        www.clerk.co.gadsden.fl.us     USF TAMPA BAY TECHNOLOGY                        UCF TECHNOLOGY INCUBATOR                    GAINESVILLE TECHNOLOGY ENTERPRISE
   Gilchrist:           www.co.gilchrist.fl.us    INCUBATOR                                         Thomas O'Neal, Chief Executive Officer    CENTER (GTEC)
   Gulf: www.gulfcountygovernment.com               Rod Casto, Assoc. V.P. for Economic Dev.        12443 Research Pkwy., Ste. 207              Booker Schmidt, Executive Director
   Hamilton: www.hamiltoncountyflorida.com          4202 E. Fowler Ave., FAO126                     Orlando, FL 32826                           2153 Hawthorne Rd., Ste. 101
   Hernando:           www.co.hernando.fl.us        Tampa, FL 33620                                 407-882-1120 • 407-823-3299 Fax             Gainesville, FL 32641-7553
   Holmes:             www.holmesclerk.com          813-974-1082 • 813-558-8094 Fax                 oneal@mail.ucf.edu                          352-393-6000 • 352-393-6015 Fax
   Jackson:         www.jacksoncountyfl.com         rcasto@research.usf.edu                         www.incubator.ucf.edu                       Booker@gtecflorida.com
   Jefferson:          www.co.jefferson.fl.us       www.research.usf.edu                                                                        www.gtecflorida.com
   Lafayette:         www.lafayetteclerk.com                                                      DAYTONA BEACH ENTERPRISE CENTER
   Lake:            www.lakegovernment.com        FLORIDA TECHSTART                                 Gerald Chester, President & CEO           BAY COUNTY SMALL BUSINESS
   Leon:                    www.co.leon.fl.us       Sherry Acanfora                                 P.O. Box 15065                            INCUBATOR
   Levy:                www.naturecoast.org         150 W. University Blvd., #ECE125                Daytona Beach, FL 32115-5065                Stephen Whitt, Director
   Liberty:     www.tfn.net/Liberty_County/         Melbourne, FL 32901                             386-258-7520 • 386-238-3428 Fax             2500 Minnesota Ave.
   Madison:                                         321-674-8324                                    geraldc@cfcdc.com                           Lynn Haven, FL 32444
   www.mylocalgov.com/MadisonCountyFL/index.asp     cfausnar@fit.edu                                www.cfcdc.com                               904-271-1107
   Marion:           www.marioncountyfl.org         www.fit.edu/floridatechstart/                                                               bcsbi@knology.net
   Nassau:             www.nassauclerk.com                                                        MARTIN UF BIOTECHNOLOGY                       www.nfci.org
   Okaloosa:           www.co.okaloosa.fl.us      SEMINOLE TECH. BUS. INCUBATION                  DEVELOPMENT INCUBATOR
   Orange:           www.orangecountyfl.net       CENTER (STBIC)                                    Patii Breedlove, Manager                  BEAVER STREET ENTERPRISE CENTER
   Putnam:               www.putnam-fl.com          Wayne Hardy, Director - Small Business Dev.     12085 Research Dr.                          Jacqulyn V Perry, Manager
   Santa Rosa:        www.co.santa-rosa.fl.us       1445 Dolgner Place                              Alachua, FL 32615                           1225 W. Beaver St.
   Seminole:           www.co.seminole.fl.us        Sanford, FL 32771                               386-462-0880 • 386-462-0875 Fax             Jacksonville, FL 32204
   St. Johns:           www.co.st-johns.fl.us       407-321-3495 • 407-321-4184 Fax                 patti@biotech.ufl.edu                       904-265-4702 • 904-265-4771 Fax
   Sumter:          www.sumtercountyfl.gov/         hardyw@scc-fl.edu                               www.biotech.ufl.org                         perryj@bsecenter.com
   Suwannee: www.suwclerk.org/index2.html           www.seminoleinc.com                                                                         www.bsecenter.net
   Taylor:              www.taco.perryfl.com                                                      BETA - 1 BUSINESS & EMERGING
   Union:                www.unionclerk.com       STAR TECHNOLOGY ENTERPRISE CENTER               TECHNOLOGY ACCELERATOR                      CARRIE P. MEEK CENTER FOR BUSINESS
   Volusia:                  www.volusia.org      (STAR TEC)                                        Raymond Chauncey, President & CEO           Hilda Hall, Incubator Manager
   Wakulla:           www.wakullacounty.org         Tonya Clark, Executive Director                 1273 Manucy Rd.                             Technological Research and Dev. Authority
   Walton:               www.co.walton.fl.us        Young-Rainey STAR Center                        Amelia Island, FL 32034                     Carrie P. Meek Center for Business
   Washington:        www.washingtonfl.com          7887 Bryan Dairy Rd., Ste. 220                  904-261-4334 • 904-261-8566 Fax             301 Civic Ct.
                                                    Largo, FL 33777                                 Rchauncey@BETA-1.com                        Homestead, FL 33030
 Business Incubators                                727-549-6435 • 727-549-6492 Fax                 www.BETA-1.com                              786-243-7600 • 786-243-7603 Fax
   Worldwide, a new trend in economic               clarkt@ctc.com                                                                              hhall@meekbusinesscenter.com
   development is taking shape so fast - and        www.STARTECflorida.com                                                                      www.meekbusinesscenter.com
   so successfully - that local organizations
   are double-timing to catch up. The trend is
   business incubation, an organized process
   of expertise, networking and tools
   entrepreneurs need to make their ventures                   A W A R D SBA North Florida
   successful.                                                 WINNERS                 District Office
   Successful business incubators have a
   tremendous impact on local economies.                                               Small Business
   The National Business Incubation
   Association (NBIA) members report that 84                                           Week Winners 2010
   percent of incubator graduates stay in
   their communities and continue to provide        SMALL BUSINESS PERSON OF THE YEAR: DISTRICT,                          SMALL BUSINESS EXPORTER OF THE YEAR: DISTRICT,
   a return to their investors. And for every       STATE & NATIONAL WINNER                                               STATE & REGIONAL WINNER
   $1 of public investment, incubator                           Waymon Armstrong                                               Helga Langthon
   graduates generate some $45 million in                       CEO                                                            Vice President
   local tax revenues. That's a tremendous                      Engineering and Computer Simulations, Inc.                     SOHO Network Solutions, Inc.
   return by any measure.                                       (ECS)                                                          Jacksonville, FL
                                                                Orlando, FL
   Incubators typically provide hands-on                                                                                  WOMEN IN BUSINESS CHAMPION OF THE YEAR:
   management critical assistance, access to        FINANCIAL SERVICES CHAMPION OF THE YEAR:                              DISTRICT & STATE WINNER
   financing and orchestrated exposure to           DISTRICT & STATE WINNER                                                    Pegine Echevarria
   critical business or technical support                       Christopher G. Hurn                                            CEO & President
   services. Most incubators offer shared                       CEO and Co-Founder                                             Team Pegine, Inc.
   office services, access to equipment,                        Mercantile Capital Corporation                                 Ponte Vedra Beach, FL
   flexible leases and expandable space - all                   Altamonte Springs, FL
   under one roof.                                                                                                        VETERAN SMALL BUSINESS CHAMPION OF THE YEAR:
                                                    MINORITY SMALL BUSINESS CHAMPION OF THE YEAR:                         DISTRICT & STATE WINNER
 FL/NASA BUSINESS INCUBATION CENTER
                                                    DISTRICT, STATE & REGIONAL WINNER                                          Rear Admiral Kevin F. Delaney
   Bonnie O'Regan, Incubator Manager
                                                          Joanne Marie Kazmierski                                              President & CEO
   Technological Research and Dev. Authority
                                                          Manager, Community Outreach & Environmental                          Delaney & Associates Consulting
   Florida/NASA Business Incubation Centers
                                                          Advocacy                                                             Jacksonville, FL
   1311 N. U.S. Hwy. 1
                                                          JAXPORT - Jacksonville Port Authority
   Titusville, FL 32796
                                                          Jacksonville, FL
   321-267-5601 • 321-267-5099 Fax
   boregan@trda.org
   www.trda.org


50 — Small Business Resource         NORTH FLORIDA                                                                                                      Visit us online: www.sba.gov/fl/north
OTHER ASSISTANCE
 THE CENTER FOR TECHNOLOGY,                  THE STARTUP FLORIDA INCUBATOR           SOUTHWEST FLORIDA ENTERPRISE             METRO BROWARD TECHNOLOGY
 ENTERPRISE & DEVELOPMENT (TED), INC.          650 Central Ave., Ste. 4              CENTER                                   ENTERPRISE CENTER
   Seabron A. Smith, Executive Director        Sarasota, FL 34236                      Thomas W. Scott                          Michael E. Carn, President & CEO
   401 W. Atlantic Ave., Ste. 09               561-620-8494 • 561-620-8493 Fax         3901 Martin Luther Blvd.                 The Bank of America Bldg.
   Delray Beach, FL 33444                      info@startupflorida.com                 Ft. Myers, FL 33916                      3800 W. Broward Blvd.
   561-265-3790 • 561-265-0806 Fax             www.startupflorida.com                  239-332-6701 • 239-337-5604 Fax          Ft. Lauderdale, FL 33312
   seabron1@tedcenter.org                                                              tscott@cityftmyers.com                   954-587-3755 • 954-587-3703 Fax
   www.tedcenter.org                         THE ENTERPRISE DEVELOPMENT FOR            www.swflenterprisecenter.com             info@metrobroward.org
                                             GLADES ENTREPRENEURS (EDGE) CENTER,                                                www.metrobroward.org
 ENTERPRISE DEVELOPMENT                      INC.                                    THE MOTIVATED ENTREPRENEUR
 CORPORATION TECHNOLOGY BUSINESS               L. Alan Schafler                      BUSINESS INCUBATION SPECIALISTS          INDIAN RIVER COMMUNITY COLLEGE
 INCUBATOR AT FAU                              241 W. Ave. A                           Ryan Hoback, President                 HIGH TECHNOLOGY BUSINESS INCUBATOR
   Jane Teague, Executive Director             Belle Glade, FL 33430                   9200 S. Dadeland Blvd., Ste. 103         924 Central Pkwy.
   3701 FAU Blvd., Ste. 201                    561-993-3343 • 561-993-3344 Fax         Miami, FL 33156                          Stuart, FL 34994
   Boca Raton, FL 33431-0911                   info@theedgecenter.org                  305-670-0998 • 305-587-3703 Fax          772-419-5690
   561-620-8494 • 561-620-8493 Fax             www.theedgecenter.org                   www.motivatedentrepreneur.com            kschrein@ircc.edu
   jteague@edc-tech.org                                                                                                         www.ircc.edu/incubator
   www.edc-tech.org




              SUCCESS
              S T O R Y                 Small Business Still Thriving After 8(a) Graduation
        GAINESVILLE, FL.- ANAMAR                               How did she pick the name ANAMAR, you            of an Indefinite
     Environmental Consulting, Inc., a Hispanic,            ask? It was her father's dream to have a            Delivery,
     woman-owned small business, has been in                business named with an acronym using his            Indefinite
     existence since 2000 and is now becoming a             children's initials. Although it did not come to    Quantity (IDIQ)
     well-recognized name in the environmental              fruition for Manuel, Nadia decided his idea         Award by
     consulting arena. As a small, versatile                was a good one and would honor his sons             USACE–
     company, their goal is to customize services to        (both Manuel) and daughters: Anayansi,              Jacksonville in April 2009. For several weeks
     meet client needs while providing a high-              NAdia, MAnuel, Rosa.                                in February and March 2009, all staff members
     quality product on time and within budget.                ANAMAR entered the U.S. Small Business           pitched in to respond to the RFP as a prime
        Ms. Nadia Lombardero, the                           Administration's (SBA) 8(a) Business                contractor by presenting their areas of
     President/Founder of ANAMAR, was born                  Development Program and also became                 expertise in a way that made it clear to USACE
     and raised in Panama and moved to the                  certified as a Florida Minority Business            that ANAMAR was the most qualified firm to
     United States in December 1982. She                    Enterprise (MBE) in 2001. Initially, Nadia          perform the work. The contract is valued at
     graduated from high school in Austin, Texas            visited the Small Business Development              up to $10 million over the base and 4 option
     and then enrolled at Texas A&M where she               Center in Gainesville and was advised on how        years of the contract for services required to
     graduated with honors in 1988 and received a           to start up her business, form the business         obtain and analyze sediment, water, and
     degree in Chemistry. She then enrolled at the          structure, and develop a business plan. She         bioassay samples and related services to
     University of Florida in Gainesville where she         was also advised to contact SBA concerning          customers of the U.S. Army Corps of
     earned an MS Degree in Analytical Chemistry            the 8(a) Business Development Program. The          Engineers in Florida, Georgia, Puerto Rico and
     and Toxicology, again achieving high academic          8(a) designation was received on March 28,          the Virgin Islands, North Carolina, South
     honors. Much of Nadia's college research has           2001. Shortly thereafter, ANAMAR was                Carolina, and Alabama. ANAMAR competed
     proven to be helpful in the studies she now            awarded a contract with the U.S. Army Corps         against other small businesses, some of which
     conducts routinely as part of the analysis of          of Engineers (USACE)–Jacksonville District to       (like the incumbent) had been in business for
     soil and water samples in and around lakes,            perform water quality monitoring in the             more than 30 years.
     oceans, and streams.                                   Florida Everglades to support emergency                At a time when many companies, large and
        As President and sole owner of ANAMAR,              actions to protect the Cape Sable Seaside           small, are down-sizing and going out of
     Ms. Lombardero has steadily broadened her              Sparrow. With the income generated by that          business, ANAMAR has been expanding its
     horizons and the scope of services provided by         initial project, the company was off and            staff and facilities to accommodate their
     the company, including water quality and               running and business has steadily increased         increased project load.
     ecological monitoring; permitting and                  over ANAMAR’s 10-year lifespan.                        The purpose of the SBA 8(a) Business
     compliance including dredging disposal                    Through its own initiative and with the          Development Program is to assist eligible
     permits and evaluations; environmental                 assistance of SBA's 8(a) Business Development       small disadvantaged businesses to compete in
     impact statements; biological assessments;             Program and SBA staff, ANAMAR was                   the American economy through business
     natural resource management plans; wetland             awarded more than 36 federal contracts              development. You may learn more about the
     services including mitigation; project design          totaling in excess of $9 million. Although          8(a) Business Development Program by
     and management; oceanographic                          government agencies have been ANAMAR’s              visiting www.sba.gov/8abd/.
     survey/benthic habitat mapping; data review            primary clients, Nadia has been successful in          Nadia Lombardero of ANAMAR
     and interpretation; third-party data validation;       reaching out to private industry, port              Environmental Consulting, Inc. may be
     technical editing; and comprehensive report            authorities, and other consulting firms. By         contacted at 2106 NW 67th Place, Suite 5,
     preparation. She and the staff of twelve (12)          contracting with a diverse client base, she has     Gainesville, FL 32653, telephone 352-377-5770,
     pride themselves on their ability to provide           ensured the company will thrive regardless of       email anamar@anamarinc.com.
     high-quality services and respond to client            economic fluctuations.                                 For more information on SBA's Products
     needs with a professional, cost-effective, and            An example of ANAMAR’s                           and Services, please visit the SB North Florida
     scientific approach.                                   accomplishments and successful transition           District website, www.sba.gov/fl/north.
                                                            from the 8(a) program is ANAMAR’s winning



Visit us online: www.sba.gov/fl/north                                                                                     NORTH FLORIDA Small Business Resource —   51

								
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