The Small Business Jobs Act:
Back to Work
PAGE Getting Started
PAGE SBA Loan Programs
PAGE Government Contracting
www.SBA.gov • connect with us @ facebook.com/SBAgov twitter.com/sbagov youtube.com/sba
Publishers of Small Business Resource
Phone: 863-294-2812 • 800-274-2812
Fax: 863-299-3909 • www.sbaguides.com
2011 SAN DIEGO President/CEO
Joe Jensen firstname.lastname@example.org
FEATURES English Small Business Resource Advertising
Nicky Harvey email@example.com
4 Introduction 37 Disaster Recovery
• 4 Administrator’s Letter There are several types of
assistance available to Production
• 5 Regional Administrator’s
qualified applicants. Diane Traylor firstname.lastname@example.org
• 6 Director’s Message 38 Advocacy
Watching out for small business
9 Getting Started interests. SBA’s Marketing Office:
The Small Business Resource Guide is published
Everything you need to know
about setting up, marketing
39 Other Sources of
under the direction of SBA’s Office of Marketing and
and managing the your business. Assistance
Chambers of Commerce can be
12 Franchising email@example.com
a vital resource for the small
13 Writing a business plan
business owner. Graphic Design
15 Regulations 41 Lender Listing Shellehamer firstname.lastname@example.org
Knowing the Rules. Paying attention
SBA’s participation in this publication is not an
to detail can save time and money. endorsement of the views, opinions, products or
services of the contractor or any advertiser or other
participant appearing herein. All SBA programs and
21 Financing services are extended to the public on a
Options to start or grow
Printed in the United States of America
29 SBA Loan Programs
While every reasonable effort has been made to
Quick Reference ensure that the information contained herein was
accurate as of the date of publication, the information
is subject to change without notice. Neither the
32 Contracting Opportunities contractor, the federal government, or agents thereof
shall be held liable for any damages arising from the
SBA is working to ensure small use of or reliance on the information contained in this
businesses obtain their fair share of
government contracts and
“Everything you need to know publication.
subcontracts with a number
about setting up, marketing SBA Publication # MCS-0018
of programs. and managing the revenue of This publication is provided under SBA Contract
33 HUBZone your business. ”
36 Glossary of Terms
Ways To Evaluate Your
Strengths and Weaknesses
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 3
The U.S. Small Business Administration
FROM THE ADMINISTRATOR
ntrepreneurs and small social media presence. I encourage you to check
business owners like you
continue to create jobs and
drive our economy forward.
out the latest SBA news by joining our
communities on Facebook, Twitter and YouTube.
Through these new online tools, we are more
This resource guide has directly engaged in a dialogue with the small
everything you need to know business community to learn how SBA can do
about the tools and resources even more to help you grow your business.
that SBA has to offer: from
getting an SBA loan, to The fact is, about two of every three jobs created
securing a federal contract, to using our in America each year come from small
extensive network of 14,000 SBA-affiliated businesses, and more than half of working
counselors. Through these “3 Cs” of capital, Americans own or work for a small business.
contracts and counseling, we help thousands of With your help, we can make sure the SBA is
people every day. meeting its mission and that small businesses
like yours will continue to grow and lead our
The new Small Business Jobs Act that President nation to full economic recovery, as they’ve done
Obama signed a few months ago strengthens throughout U.S. history.
SBA's efforts in each of these areas. For
example, we permanently raised the top SBA If you have any questions that aren’t answered in
loan sizes in our two most popular programs this guide, please go to www.sba.gov, or call or
from $2 million to $5 million. Also, the Jobs Act walk in to your local district office. We stand
strengthens the federal government’s ability to ready to help you in whatever way we can.
ensure that more small businesses can compete
for federal contracts on a level playing field. Warm regards,
In addition, we recently overhauled
www.sba.gov. Now you can find information Karen G. Mills
about SBA programs more quickly than ever Administrator
before. At the same time, we beefed up our Small Business Administration
About the SBA
Your Small Business Resource
Every year, 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 SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
The U.S. Small Business Administration
FROM THE REGIONAL ADMINISTRATOR
Greetings! of the world is becoming more
competitive, we owe it to the next
The Small Business generation of Americans to rise to the
Administration (SBA) challenge and be big dreamers and
has many programs even bigger doers. Our nation’s history
and services available is full of individuals who dared to be
to business owners and innovative and entrepreneurial. SBA is
entrepreneurs. This ready to help you add your name to the
resource guide is a list.
perfect example. It tells you about the
tools the SBA has to offer to help you In addition to the helpful information
build your business, create jobs and in this guide, I invite you to be a part of
drive our economy forward. our growing online community. We’ve
redesigned our website (sba.gov) to be
You may have heard about SBA’s “three more helpful and personalized. We also
C’s” - capital, contracts and counseling. post frequent updates on our Facebook
Over the past two years, we’ve been (facebook.com/SBApacific) and Twitter
working very hard in all of these areas. (twitter.com/SBA_Pacific) sites. I
Through the Recovery Act and the encourage you to ‘like’ and ‘follow’ us
Small Business Jobs Act, we helped put because I believe that with your input
more than $42 billion in lending and direct engagement, together we
support in the hands of small business can make sure the SBA is meeting its
owners. Our network of 14,000 SBA- mission to help small businesses start,
affiliated counselors assists thousands grow and succeed.
of small businesses daily with anything
from creating a startup to succession If you have any questions or want
planning. Through our business additional information, please visit our
development and certification website, call us, or pay a visit to your
programs, small businesses earned local district office. We are ready to help
billions of dollards in federal contracts. in any way possible.
This work is critical to our nation’s Warm regards,
prosperity.We know that roughly two
out of every three jobs created in
America come from small businesses,
and more than half of all working Elizabeth Echols
Americans either own or work for a Regional Administrator
small business. At a time when the rest Small Business Administration
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 5
Message From The District Director
SBA Staff Listing
Rules For Success
EXECUTIVE DIRECTION Richard Blum Like today’s small businesses, large corporate success stories
Business Opportunity started with only an entrepreneur and a dream.
Ruben Garcia Specialist
District Director 619-727-4872
modifications, worth $183.6
Anthony Vigil Receptionist our success is very
Deputy District Director 619-727-4883
important to the U.S. million, were awarded to small
Small Business businesses in San Diego and
Administration and to Imperial Counties.
OFFICE OF DISTRICT TEAM 2
COUNSEL our community. You
Juliane Talley play a key role in providing jobs, I would like to introduce you to
Terrill Ashker Supervisor,
products, and services in our the resources available in San
District Counsel Business Development
619-727-4881 619-727-4870 economy. SBA and its network of Diego and Imperial counties.
partners can help you succeed by Whether you are in business now
GOVERNMENT Maria Hughes providing access to capital, or are thinking of starting a small
CONTRACTING Business Development
counseling, training, and business, the SBA and its resource
619-727-4871 opportunities for government partners can help you to grow
Procurement Center email@example.com
contracting. your company.
619-727-4868 Cynthia Harris
firstname.lastname@example.org Business Development I am proud to note that in fiscal Please take a few minutes to
year 2010, ending September 30, review this guidebook and learn all
BUSINESS DEVELOPMENT 619-727-4884
TEAM 1 email@example.com the San Diego District Office that is available to you.
Rosa Rodarte Bonnie Valentine guaranteed loans worth $228.6
Supervisor, Business Development million with the assistance of its Wishing you great success!
Business Development Specialist
619-727-4877 619-727-4878 participating lenders and certified
firstname.lastname@example.org email@example.com development companies. Sincerely,
Approximately 26,000 clients
received business counseling
assistance and training through
We Welcome Your our resources partners, SCORE: Ruben R. Garcia
Questions Counselors to America’s Small
District Director of
Business, and the Small Business
For extra copies of this publication or
Development Center Network of SBA's San Diego District Office
questions please contact:
San Diego and Imperial Counties.
San Diego District Office Additionally, 665 contracts and
550 West C Street, Suite 550
San Diego, CA 92101
Tel: 619-557-7250 or 619-727-4883
6 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
The SBA helps business
Doing Business in San Diego
owners grow and expand
their businesses every day.
(SBDC). They also conduct training
events throughout the district - some
require a nominal registration fee.
Front - L to R: Anthony Vigil,
Assistance to businesses owned and
Ruben Garcia and Terrill Ashker. controlled by socially and economically
Back - L to R: Rosa Rodarte, disadvantaged individuals through the
Kathleen Moran, Maria Hughes, 8(a) Business Development Program.
Cynthia Harris, Bonnie
Valentine and Linda Coakley. A Women's Business Ownership
Above - L to R: Richard Blum, Representative is available to assist
women business owners. Please contact
Cynthia Harris at 619-727-4884 or e-mail:
THE SAN DIEGO DISTRICT OFFICE 619-727-4870. For information on firstname.lastname@example.org.
The San Diego District Office is financing, please e-mail:
responsible for the delivery of SBA's email@example.com. Special loan programs are available for
many programs and services. The District businesses involved in international
Director is Ruben R Garcia. The District SERVICES AVAILABLE trade. Please contact Maria Hughes at
Office is located at 550 West C Street, Financial assistance for new or existing 619-727-4871 or email:
Suite 550, San Diego, CA. Office hours businesses through guaranteed loans firstname.lastname@example.org.
are from 8:00 AM until 4:30 PM, Monday made by area bank and non-bank
through Friday. lenders. A Veterans Affairs Officer is available to
assist veterans. Please contact Richard
CONTACTING THE SAN DIEGO Free counseling, advice and information Blum at 619-727-4872 or e-mail:
DISTRICT OFFICE on starting, better operating or expanding email@example.com.
a small business through the SCORE
For program and service information,
Counselors to America’s Small Business
please contact the Marketing Division at
and Small Business Development Centers
Owners: Deann and Ivor Shier
Deann and Ivor Shier founded Corporate service center. They survived through a rough business development efforts paid off once the
Helicopters in 1990. Their passion for flying time, after the 2001 9/11 terrorist attack. For regulation lightened and air space opened for
helicopters combined with an unwavering focus quite a while after 9/11 regulations, for all regular business, and since that time Corporate
on the client has resulted in the growth of the aircraft, were very strict and air space was Helicopters has grown to provide a wide variety
business to a fleet of a dozen helicopters and closed, virtually grounding Corporate of services, being marketed to different
thirty employees. The company offers a diverse Helicopters which created issues with cash flow demographics.
range of services including charter, tour, film, because of lost flights. In July of 2002, Corporate
training and utility projects. Corporate Helicopters was approved for a $263,700.00 SBA In addition to the EIDL Corporate Helicopters
Helicopters has provided services for the Super Economic Injury Disaster Loan (EIDL) that was approved for a $185,000.00 SBA 7(a)
Bowl, X- Games and the America’s Cup Yachting provides funding for businesses that suffered revolving line of credit, in 2004, which she used
Races; as well as flying a wide range of financially due to a recently declared disaster. to improve cash flow while fulfilling large
customers across the U.S. and Mexico including Utilizing the funds from the EIDL, Ms. Shier was contracts and also during transactions involving
but not limited to celebrities, firefighters, able to retain her employees by using them in the buying and selling of helicopters.
vacationers, television news reporters and other areas of the business, such as marketing
critically ill patients. The company is also well and various aspects of developing the business. Deann Shier’s entrepreneurial spirit created an
known and respected in the film industry, She also took this down time to explore new opportunity for growth when she utilized and
having played key aerial filming roles in such avenues for the helicopter business, taking benefitted from a variety of SBA’s federally
films as The DaVinci Code, Titanic, Master and advantage of the services offered by SCORE funded programs, all of which aided in the
Commander, and Collateral just to name a few. Counselors to America’s Small Business, an current success of Corporate Helicopters.
organization of experienced volunteer business
Having tapped into the many different services men and women, funded in part by the U.S. For information about all of the programs and
that helicopters can provide, the company Small Business Administration, to provide services offered through the SBA, visit
expanded into becoming a helicopter sales and technical assistance to entrepreneurs. Deann’s www.sba.gov.
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 7
The SBA Can Help You Start and Expand Your Business
country. To find your local district office
or SBA resource partner, visit
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 is a national network of more
very year, the U.S. Small • More than 20 free online courses and than 12,000 entrepreneurs, business
E Business Administration and workshops available. leaders and executives who volunteer as
• Online, interactive assessment tools are mentors to America’s small business.
its nationwide network of
featured and used to direct clients to SCORE helps entrepreneurs start
resource partners help appropriate training. businesses, grow companies and create
millions of potential and Course topics include a financial jobs in local communities.
existing small business owners start, primer keyed around SBA’s loan- SCORE matches you with a mentor
grow and succeed. guarantee programs, a course on whose personality and skills are a good
Whether your target market is global exporting, and courses for veterans and fit for your business needs. Whether you
or just your neighborhood, the SBA and women seeking federal contracting are a start-up business or growing
its resource partners can help at every opportunities, as well as an online company, you can meet with a mentor
stage of turning your entrepreneurial library of business publications and for free and confidential advice.
dream into a thriving business. articles. SCORE mentors are part of your local
If you’re just starting, the SBA and its Find the SBTN at community. The volunteer experts
resources can help you with loans and www.sba.gov/training. understand local business licensing
business management skills. If you’re rules, economic conditions and lending
already in business, you can use the Where To Go To Get Started standards. You will find a SCORE office
SBA’s resources to help manage and Our resources include the SBA’s in your community and often a location
expand your business, obtain district offices serving every state and at your local Chamber of Commerce,
government contracts, recover from territory, over 350 chapters of SCORE – bank or SBA office.
disaster, find foreign markets, and make Counselors to America’s Small SCORE mentoring is available at over
your voice heard in the federal Businesses, approximately 900 Small 350 offices nationwide. SCORE offers
government. Business Development Centers, local small business workshops at
You can access SBA information approximately 110 Women’s Business modest fees on popular topics such as
Centers and 16 Veterans Business increasing sales, managing cash flow
online 24 hours a day at www.sba.gov or
Outreach Centers located across the and marketing your business.
visit one of our local offices for
SBA’s Online Training • You get to be your own boss.
SBA provides small businesses with
free online courses, workshops, learning ON THE UPSIDE • Hard work and long hours directly benefit you, rather
tools and business-readiness than increasing profits for someone else.
assessments. It’s true, there are a lot of • A new venture is exciting.
Key Features of the Small Business reasons not to start your own
Training Network: business. But for the right • Earnings and growth potential are unlimited.
Training is available anytime and person, the advantages of
business ownership far • Running a business will provide endless
anywhere—all you need is a computer variety, challenges and opportunities to learn.
with Internet access. outweigh the risks.
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 9
EVALUATE SCORE has helped more than 8.5
million entrepreneurs nationwide. You
division of the California Community
Colleges. The network of CITD offices
can count on SCORE as a trusted provide value-added assistance to
resource to offer in-depth mentoring, businesses and entrepreneurs to
Start by evaluating your sound advice and guidance to tools and increase their capacity to export or
resources that can help you succeed as a import.
strengths and weaknesses business owner. The CITD network directly and
For 24/7 access to advice and online through partnerships with state and
webinars on topics such as starting, federal agencies like the CDFA, USCS,
growing, marketing and e-commerce for and Exim Bank, serves small &
small business, visit SCORE online. medium-size businesses and
1. Are you a self-starter? With expertise in more than 600 skill entrepreneurs in the state through trade
It will be up to you – not areas, you can find a SCORE mentor missions, low-cost training, trade
online at www.score.org or at one of research, and limited free consulting.
someone else telling you – to SCORE’s offices. Call 1-800-634-0245 San Diego/Imperial CITD
develop projects, organize your for the office nearest you. Victor Castillo, Director
time and follow through on 880 National City Blvd.
SCORE COUNSELING CENTERS National City, CA 91950
details. 619-482-6391 • 619-216-6703 Fax
San Diego Chapter Office firstname.lastname@example.org
2. How well do you get along c/o U.S. Small Business Administration http://chulavista.citd.org/
550 W. C St., Ste. 550 Serving counties of San Diego and Imperial.
with different personalities?
San Diego, CA 92101
Business owners need to develop
working relationships with a
variety of people including Development centers
Satellite Counseling: The Small Business Development
customers, vendors, staff, Carlsbad Chamber
bankers, lawyers, accountants and Center program has been vital to SBA’s
5934 Priestly Dr.
Carlsbad, CA 92008 entrepreneurial outreach for more than
consultants. Can you deal with a 25 years. It has become one of the
demanding client, an unreliable largest professional small business
vendor or a cranky staff person? Escondido Chamber management and technical assistance
720 N. Broadway networks in the nation. With nearly 900
3. How good are you at making
Escondido, CA 92025 locations across the country, SBDCs
760-745-2125 offer existing and future entrepreneurs
free one-on-one expert business advice
Small business owners are National City Chamber
901 National City Blvd. and low-cost trainings. All counseling
required to make decisions National City, CA 91950 and training sessions are conducted by
constantly, often quickly, under 619-477-9339 qualified small business professionals
pressure. and many are offered online.
Poway Chamber A nationwide study of the impact of
13381 Poway Rd. the SBDC program highlights the
4. Do you have the physical and Poway, CA 92064 results of SBDC assistance. The study
emotional stamina to run a 858-748-0016
illustrates the significance of the SBDC
business? San Diego East County Chamber program's focus on establishing long-
Business ownership can be 201 S. Magnolia Ave. term counseling relationships with
challenging, fun and exciting. But El Cajon, CA 92021 clients. Of the clients surveyed, more
619-440-6161 than 80 percent reported that the
it’s also a lot of hard work. Can information they received from their
you face 12-hour workdays six or SCORE Imperial Valley SBDC counselor was valuable. Similarly,
seven days a week? 1405 N. Imperial Ave., Ste. 1 more than 50 percent reported that
El Centro, CA 92243
760-337-2692 SBDC assistance was useful with the
5. How well do you plan and decision to start a business. More than
40 percent of long-term clients, those
organize? To request a counseling appointment at any
of the above locations, or by telephone, receiving 5 hours or more of counseling,
Research indicates many e-mail or Web cam, complete the form at: reported an increase in sales and 38
business failures could have been www.score-sandiego.org/counseling.asp percent of long term clients reported an
avoided through better planning. increase in profit margins.
Good organization – of financials, California's Centers for SBDC counseling generally consists of
inventory, schedules, production International Trade Development assistance with business plans, access to
(CITD) capital, franchising, manufacturing,
– can help avoid pitfalls.
California's Centers for International international trade, high-tech endeavors,
Trade Development (CITD) are funded contracting, energy efficiency,
by the State of California through the marketing, technology and other growth
economic and workforce development strategies. SBDC training is geared
10 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
toward the needs of the local business Small Business Development Center of core business topics is facilitated by an
community, focusing on the and the Center for International Trade experienced business consultant. In this
fundamentals required to start, Development (SBDC & CITD) workshop setting, you will learn concepts
purchase, operate and grow a small Southwestern College
Higher Education Center and skills that you can immediately
business. 880 National City Blvd., Ste. 103 apply to your business. Plus you will
Particular emphasis in the SBDC National City, CA 91950 gain valuable insight from the other
program includes green business Director: Victor Castillo business owners in your class. Guest
technology, disaster recovery and 619-482-6391 speakers, a complete set of training
preparedness, importing and exporting, email@example.com
materials, on-line support and 1-on-1
electronic commerce, technology transfer www.sbditc.org
consulting further enhance your
and regulatory compliance. A number of Serving all of San Diego County South of
Interstate 8. (International Trade services training. Veterans contact the SBDC
centers in SBDC network have
delivered throughout San Diego and Imperial nearest to you for information about
specialized programs dedicated to Counties.) assistance with tuition and fees. Find
technology assistance and/or
international trade. The SBDC out how you can use your VA education
Small Business Development Center
programs also promote green buildings North San Diego County (SBDC NSDC) benefits for entrepreneurship training
and green job growth, provide assistance 1823 Mission Ave. at: www.gibill.va.gov/pamphlets/entship.htm
to veterans and communities affected by Oceanside, CA 92058
defense cutbacks, and reach out to 760-795-8740 Outreach to Veteran
communities that have been negatively Director: Sudershan Shaunak Entrepreneurs: Because many
affected by industry cutbacks, closures or entrepreneurs do not have the luxury of
natural disasters. Serving all of San Diego County North of spending a lot of time and effort
During the past quarter century, Interstate 8. attending classes, the SBDC offers
through a unique mix of federal funding several workshops and training sessions.
along with matching state and private Imperial Valley Small Business Enjoy the camaraderie and peer
sector resources, the program has Development Center (IVSBDC) networking of these face-to-face classes
increased its return on investment. 301 N. Imperial Ave., Ste. B
El Centro, CA 92243 at any of the SBDC’s in the San Diego
Through federal grants, the SBDCs in and Imperial Network. Additional
every state and territory provide the Director: Gustavo Reza resources are available through our
foundation for the economic growth of firstname.lastname@example.org affiliate partner, the Veterans
small businesses. These small www.ivsbdc.org Corporation. Visit www.veterancorp.org for
businesses in turn advance local and Serving all of Imperial County.
additional online resources available.
regional economic development through
the generation of business revenues, job SBDC Network for San Diego
creation and job retention. In fiscal 2010, & Imperial Counties Women’s business centers
SBDC business advisors helped more 900 Otay Lakes Rd., Bldg. 1681 The SBA’s Women Business Center
than 13,600 entrepreneurs start new Chula Vista, CA 91910 program is a network of approximately
businesses or roughly 37 new business Debbie P. Trujillo, Regional Director 110 community-based centers which
starts per day. 619-482-6388 • 619-216-6692 Fax provide business training, counseling,
The SBDC network provided email@example.com mentoring and other assistance geared
counseling services to over 107,000, www.asbdc-us.org toward women, particularly those who
now entrepreneurs, approximately are socially and economically
101,000 existing businesses and training The Small Business Development disadvantaged. While the services are
services to approximately 380,000 clients Center Network (SBDC Network) focused on women, approximately 30% of
in fiscal 2010. provides oversight of three SBDC’s the WBC clients are men. WBCs are
In fiscal 2010, SBDC clients acquired delivering services in the San Diego and located in nearly every state and U.S.
loans, venture capital and the infusion of Imperial counties. territory and are partially funded
equity totaling $3.8 billion, an increase Special programs that are offered through a cooperative agreement with
over the $3.6 billion SBDC clients throughout the SBDC Network include: the SBA.
obtained in fiscal 2008 and in 2009 To meet the needs of women
combined. Of the $3.8 billion in capital NxLevel Training: NxLevel is an entrepreneurs, the WBCs offer services
obtained by SBDC clients, over 19% took accelerated program developed for the at convenient times and locations,
the form of SBA guaranteed loans with busy entrepreneur. A training schedule including weekends. Many WBCs are
81% in capital acquired from banks and located at non-profit host organizations
conventional lenders as well as angel that offer a wide variety of services in
investors and venture capitalists.
For information on the SBDC • Faster, better search capabilities
program, visit www.sba.gov/sbdc.
The SBDC Network for San Diego and
SBA’S WEBSITE • Information tailored to your needs
Imperial Counties has three centers to • News about SBA programs & services
Go to SBA’s new site today,
serve you: featuring:
Some pages may change URLs on the upgraded site. Please
consult www.sba.gov or your local SBA district office for
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 11
addition to the services provided by the
WBC. Many of the WBCs also offer
is entrepreneursHip For Once you’ve answered those questions,
you should consider what type of
training and counseling and provide You? business you want to start. Businesses
materials in different languages in order There is simply no way to eliminate can include franchises, at-home
to meet the diverse needs of the all the risks associated with starting a businesses, online businesses, brick-and-
communities they serve. small business, but you can improve mortar stores or any combination of
In fiscal year 2010, the WBC program your chances of success with good those.
counseled and trained more than planning, preparation, and insight. Start
160,000 clients, creating local economic by evaluating your strengths and FrancHising
growth and vitality. weaknesses as a potential owner and
There are more than 3,000 business
WBCs often deliver their services manager of a small business. Carefully
franchises. The challenge is to decide on
through long term training or group consider each of the following questions:
one that both interests you and is a good
counseling, both of which have shown to • Are you a self-starter? It will be
investment. Many franchising experts
be effective. WBC training courses are entirely up to you to develop projects,
suggest that you comparison shop by
often free or are offered at a small fee. organize your time, and follow through
looking at multiple franchise
Some centers will also offer scholarships on details.
opportunities before deciding on the one
based on the client’s needs • How well do you get along with
different personalities? Business
that's right for you.
While most WBCs are physically located Some of the things you should look at
owners need to develop working
in one designated location, a number of when evaluating a franchise: historical
relationships with a variety of people
WBCs also provide courses and profitability, effective financial
including customers, vendors, staff,
counseling via the Internet, mobile management and other controls, a good
bankers, employees, and professionals
classrooms and satellite locations. such as lawyers, accountants, or image, integrity and commitment, and a
To find the nearest SBA WBC or to consultants. Can you deal with a successful industry.
learn more about SBA programs and demanding client, an unreliable In the simplest form of franchising,
services, visit www.sba.gov/women. vendor, or a cranky receptionist if your while you own the business, its operation
business interests demand it? is governed by the terms of the franchise
microloan program • How good are you at making agreement. For many, this is the chief
benefit for franchising. You are able to
intermeDiaries decisions? Small business owners are
required to make decisions constantly capitalize on a business format, trade
The Microloan program is operated – often quickly, independently, and name, trademark and/or support system
through a network of approximately 160 under pressure. provided by the franchisor. But you
intermediaries nationwide. It provides • Do you have the physical and operate as an independent contractor
business based training and technical emotional stamina to run a business? with the ability to make a profit or
assistance to very small Business ownership can be exciting, sustain a loss commensurate with your
“microbusinesses” –10 employees or but it's also a lot of work. Can you face ownership.
fewer – that are interested in starting or six or seven 12–hour workdays every If you are concerned about starting an
growing their businesses. Such training week? independent business venture, then
and technical assistance includes general • How well do you plan and organize? franchising may be an option for you.
business education, business planning Research indicates that poor planning Remember that hard work, dedication
training, industry-specific training, and is responsible for most business and sacrifice are key elements in the
other support for new and growing failures. Good organization — of success of any business venture,
microbusinesses. Microloan program financials, inventory, schedules, and including a franchise.
intermediaries also provide small production — can help you avoid many For more information visit
business loans of up to $50,000. The
• Is your drive strong enough? Running
program is available to women, low-
income, minority, and veteran
a business can wear you down
emotionally. Some business owners
entrepreneurs and others interested in burn out quickly from having to carry Going to work used to mean traveling
starting a microbusiness. all the responsibility for the success of from home to a plant, store or office.
their business on their own shoulders. Today, many people do some or all their
are You rigHt For small Strong motivation will help you work at home.
business oWnersHip? survive slowdowns and periods of
burnout. Getting Started
Most new business owners who
• How will the business affect your Before diving headfirst into a home-
succeed have planned for every phase of
family? The first few years of business based business, you must know why you
their success. Thomas Edison, the great start-up can be hard on family life. It's are doing it. To succeed, your business
American inventor, once said, “Genius is important for family members to know must be based on something greater
1 percent inspiration and 99 percent what to expect and for you to be able to than a desire to be your own boss. You
perspiration.” That same philosophy also trust that they will support you during must plan and make improvements and
applies to starting a business. this time. There also may be financial adjustments along the road.
First, you’ll need to generate a little difficulties until the business becomes
Working under the same roof where
bit of perspiration deciding whether profitable, which could take months or
your family lives may not prove to be as
you’re the right type of person to start years. You may have to adjust to a
lower standard of living or put family
easy as it seems. One suggestion is to set
your own business. up a separate office in your home to
assets at risk.
create a professional environment.
12 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
Ask yourself these questions: Also remember, if you have employees • Discuss your break-even point.
• Can I switch from home you are responsible for withholding • Explain your personal balance sheet
responsibilities to business work and method of compensation.
income and social-security taxes, and for
• Discuss who will maintain your
• Do I have the self-discipline to complying with minimum wage and
accounting records and how they will
maintain schedules while at home? employee health and safety laws. be kept.
• Can I deal with the isolation of If you’re convinced that opening a
working from home? • Provide “what if” statements
• Am I a self-starter? home-based business is for you, it’s time addressing alternative approaches to
to create your business plan. The SBA potential problems.
and its resource partners, such as
SCORE, SBDCs, VBOCs and WBCs can Operations
Need more help help make the process easier.
• Explain how the business will be
writing a business plan? • Discuss hiring and personnel
Writing a business plan procedures.
• Discuss insurance, lease or rent
Visit After you’ve thought about what type agreements, and issues pertinent to
www.sba.gov/smallbusinessplan for of business you want, the next step is to your business.
more information on writing a business develop a business plan. Think of the • Account for the equipment necessary
plan. business plan as a roadmap with to produce your goods or services.
milestones for the business. It begins as • Account for production and delivery of
You can also find help from SCORE by a pre-assessment tool to determine products and services.
visiting www.score.org profitability and market share, then
and clicking on “Business Tools.” expands as an in-business assessment Concluding Statement
tool to determine success, obtain Summarize your business goals and
financing and determine repayment objectives and express your
Veterans can get help writing a business commitment to the success of your
plan by visiting their local Veteran’s ability, among other factors.
business. Once you have completed
Business Development Center. Find Creating a comprehensive business
your business plan, review it with a
yours at www.sba.gov/vets. plan can be a long process, and you need
friend or business associate and
good advice. The SBA and its resource professional business counselor like
Women can get help at their local partners, including Small Business SCORE, WBC or SBDC
Development Centers, Women’s representatives, SBA district office
Women’s Business Center. Find yours at
Business Centers, Veterans Business business development specialists or
Outreach Centers, and SCORE, have the veterans business development
expertise to help you craft a winning specialists.
Legal Requirements business plan. SBA also offers online Remember, the business plan is a
A home-based business is subject to templates to get you started. flexible document that should change
many of the same laws and regulations In general, a good business plan as your business grows.
affecting other businesses. contains:
Some general areas include:
Introduction reacHing unDerserveD
• Zoning regulations. If your business
operates in violation of them, you could
• Give a detailed description of the communities
business and its goals.
be fined or shut down. • Discuss ownership of the business and
Women business owners
• Product restrictions. Certain products its legal structure. Women entrepreneurs are changing
cannot be produced in the home. Most • List the skills and experience you the face of America's economy. In the
states outlaw home production of bring to the business. 1970s, women owned less than five
fireworks, drugs, poisons, explosives, • Discuss the advantages you and your percent of the nation’s businesses.
sanitary or medical products and toys. business have over competitors. Today, they are majority owners of about
Some states also prohibit home-based a third of the nation’s small businesses
businesses from making food, drink or Marketing and are at least equal owners of about
clothing. • Discuss the products and services your half of all small businesses. SBA serves
Be sure to consult an attorney and company will offer.
women entrepreneurs nationwide
• Identify customer demand for your
your local and state departments of through its various programs and
products and services.
state, labor and health to find out which • Identify your market, its size and
services, some of which are designed
laws and regulations will affect your locations. especially for women.
business. Additionally, check on • Explain how your products and services The SBA’s Office of Women’s Business
registration and accounting will be advertised and marketed. Ownership serves as an advocate for
requirements needed to open your home- • Explain your pricing strategy. women-owned business. OWBO oversees
based business. You may need a work a nationwide network of 110 women’s
Financial Management business centers that provide business
certificate or license from the state. • Develop an expected return on training, counseling and mentoring
Your business name may need to be investment and monthly cash flow for geared specifically to women, especially
registered with the state. A separate the first year. those who are socially and economically
business telephone and bank account are • Provide projected income statements, disadvantaged. The program is a public-
good business practices. and balance sheets for a two-year private partnership with locally-based
period. nonprofits and each tailors its services to
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 13
meet the needs of its community. service member to small business owner. up to $2 million to eligible small
Women’s Business Centers serve a wide Each of SBA's 68 district offices has businesses to cover operating costs that
diversity of geographic areas, population designated a veteran’s business cannot be met due to the loss of an
densities, and economic environments, development officer to help guide essential employee called to active duty
including urban, suburban, and rural. veterans, Reserve Component members in the Reserves or National Guard.
Local economies vary from depressed to and transitioning service members who To ensure that veterans, service-
thriving, and range from metropolitan
want to succeed in entrepreneurship. disabled veterans and Reserve and
areas to entire states. Each Women’s
Business Center tailors its services to Sixteen Veterans Business Outreach National Guard member entrepreneurs
the needs of its individual community, Centers located in California, Florida, receive special consideration in all its
but all offer a variety of innovative Guam, Louisiana, Massachusetts, entrepreneurial programs and resources,
programs, often including courses in Montana, Michigan, Missouri, New the SBA has established an Office of
different languages. They provide Jersey, New Mexico, New York, North Veterans Business Development. OVBD
training in finance, management, Carolina, North Dakota, Pennsylvania, develops and distributes informational
marketing, and the Internet, as well as Texas, and Washington provide online materials for entrepreneurship such as
access to all of the SBA’s financial and and in-person entrepreneurial the Veterans Business Resource Guide,
procurement assistance programs. development services for veterans and VETGazette, and Getting Veterans Back
reservists such as business training, to Work.
Business Laws and Regulatory counseling and mentoring, pre-business For more information or special
Assistance plan workshops, feasibility analysis, and assistance with government contracting,
The SBA Home Page provides a link referrals to additional small business including programs for veterans and
to information regarding laws and resources. service-disabled veterans, please check
regulations pertaining to small To learn more about the Veterans the Contracting Opportunities section of
businesses, frequently asked questions, Business Outreach program or find the this publication.
forms, reports, statistics and studies, nearest SBA VBOC, visit the SBA Web SBA’s special financing program
listings and directories, SBA site at www.sba.gov/vets. targeted to the military community,
publications and communications with SBA also partners with the Patriot Express has new and enhanced
Congress. Visit www.business.gov programs and services for veterans and
Entrepreneurship Boot Camp for
members of the active and reserve
Veterans With Disabilities at Syracuse
military community (including spouses)
center For FaitH-baseD anD University, University of Connecticut, wanting to establish or expand small
communitY partnersHips Florida State University, Texas A&M businesses. See the Financing section for
University, UCLA, Purdue and
(cFbcp) Louisiana State University to prepare
more information on Patriot Express.
Faith-based and neighborhood service-disabled veterans for business
organizations know their communities; ownership. SBA has also recently native american business
and they have earned the trust of the
people in their communities. Because of
developed two partnerships which target Development
women veteran-entrepreneurs (V-WISE) The Office of Native American Affairs
their credibility, they are uniquely
and family members of Reserve (ONAA) ensures American Indians,
positioned to build awareness of
Component members of the military Alaska Natives and Native Hawaiians
programs that encourage
entrepreneurship, economic growth and (Operation Endure and Grow). seeking to create, develop and expand
job creation. SBDCs, SCORE and some WBCs also small businesses have full access to the
SBA is committed to reaching out to provide targeted management assistance necessary business development and
faith based and community to veterans who are current or expansion tools available through the
organizations that are eligible to prospective small business owners. agency’s entrepreneurial development,
participate in the agency’s programs by Many SBDCs have special programs for lending, and contracting programs.
informing their congregants, members veterans and SCORE also provides ONAA provides a network of training
and neighbors about SBA’s programs. resources and counseling services online and counseling services and engages in
In particular, many faith-based and at www.score.org. numerous outreach activities such as
community non-profit organizations can The SBA offers special assistance for tribal consultations, development and
provide a local financing option for distribution of educational materials,
small businesses owned by activated
entrepreneurs by becoming SBA attendance and participation in
Reserve and National Guard members.
Microloan Intermediaries. An SBA economic development events and
Any self-employed Reserve or Guard assisting these small businesses with
Microloan Intermediary often acts as a member with an existing SBA loan can
bank for entrepreneurs and small SBA programs.
request from their SBA lender or SBA More information is available at
businesses that might otherwise be able district office, loan payment deferrals,
to find access to capital. www.sba.gov/naa.
interest rate reductions and other relief
after they receive their activation orders.
veterans anD reservists Additionally, the SBA offers special
business Development low-interest-rate financing to small
The SBA offers a variety of services to businesses when an owner or essential
American veterans who have made or employee is called to active duty. The
are seeking to make the transition from Military Reservist Economic Injury
Disaster Loan Program provides loans
14 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
KNOWING THE RULES
Paying Attention to Detail Can Save Time and Money
what, if any, consultation is needed
between partners before major decisions,
and what happens when a partner dies.
Under a general partnership each
partner is liable for all debts of the
business. Profits are taxed as income to
the partners based on their ownership
Like a general partnership, a limited
partnership is established by an
agreement between two or more persons.
However, there are two types of
ven if you are running a small cHoosing Your business
• A general partner has greater control
home-based business, you will
have to comply with many of structure in some aspects of the partnership. For
example, only a general partner can
the local, state, and federal You may operate your business under decide to dissolve the partnership.
regulations. Avoid the one of many organizational structures. General partners have no limits on the
temptation to ignore regulatory details. The most common organizational dividends they can receive from profit
Doing so may avert some red tape in the structures are sole proprietorships, so they incur unlimited liability.
short term, but could be an obstacle as general and limited partnerships, “C” • Limited partners can only receive a
your business grows. Taking the time to and “S” corporations and limited liability share of profits based on the
companies. proportional amount on their
research the applicable regulations is as
Each structure offers unique tax and investment, and liability is similarly
important as knowing your market. Bear limited in proportion to their
in mind that regulations vary by liability benefits. If you’re uncertain
industry. If you're in the food-service which business format is right for you,
business, for example, you will have to you may want to discuss options with a
business counselor or attorney.
deal with the health department. If you A “C” corporation is a legal entity
use chemical solvents, you will have created under state law by the filing of
environmental compliances to meet. Sole Proprietorship
One person operating a business as an articles of incorporation. A corporation is
Carefully investigate the regulations
individual is a sole proprietorship. It’s a separate entity having its own rights,
that affect your industry. Being out of
the most common form of business privileges and liabilities, apart from
compliance could leave you unprotected
organization. Profits are taxed as those of the individual(s) forming the
legally, lead to expensive penalties and
jeopardize your business. income to the owner personally. The corporation. It’s the most complex form
personal tax rate is usually lower than of business organization and is
the corporate tax rate. The owner has comprised of shareholders, directors and
business organization complete control of the business, but officers. Since the corporation is a
There are many forms of legal faces unlimited liability for its debts. separate legal entity in its own right it
structure you may choose for your There is very little government can own assets, borrow money and
business. Each legal structure offers regulation or reporting required with perform business functions without
organizational options with different tax
this business structure. directly involving the owners.
and liability issues. We suggest you
Corporations are subject to more
research each legal structure thoroughly
and consult a tax accountant and/or
General Partnership government regulation and offer the
A partnership exists when two or more owners the advantage of limited liability,
attorney prior to making your decision.
For additional information, contact: persons join together in the operation but not total protection from lawsuits.
For Limited Partnerships and and management of a business.
Corporations Partnerships are subject to relatively Subchapter “S” Corporation
California Secretary of State little regulation and are fairly easy to Subchapter “S” references a special
Department of Corporation establish. A formal partnership part of the Internal Revenue Code that
Los Angeles Regional Office agreement is recommended to address permits a corporation to be taxed as a
300 South Spring Street, Rm. 12513 potential conflicts such as: who will be
Los Angeles, CA 90013 partnership or sole proprietorship, with
www.sos.ca.gov/business/ responsible for performing each task; profits taxed at the individual, rather
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 15
than the corporate rate. A business Imperial County Recorder as taxes, utilities and other continuing
must meet certain requirements for 940 Main St., Ste. 202 expenses during the period between
Subchapter “S” status. Contact the IRS El Centro, CA 92243 when the damage occurs and when the
760-482-4272 property is replaced? Business
for more information. www.co.imperial.ca.us/Recorder/
Interruption (or "business income")
LLCs and LLPs insurance can provide sufficient funds to
The limited liability company is a business insurance pay your fixed expenses during a period
relatively new business form. It Like home insurance, business of time when your business is not
combines selected corporate and insurance protects your business against operational.
partnership characteristics while still fire, theft and other losses. Contact your "Key Man" – If you (and/or any other
maintaining status as a legal entity insurance agent or broker. It is prudent individual) are so critical to the
distinct from its owners. As a separate for any business to purchase a number operation of your business that it cannot
entity it can acquire assets, incur of basic types of insurance. Some types continue in the event of your illness or
liabilities and conduct business. It limits of coverage are required by law, other death, you should consider "key man"
liability for the owners. The limited simply make good business sense. The insurance. This type of policy is
liability partnership is similar to the types of insurance listed below are frequently required by banks or
LLC, but it is for professional among the most commonly used and are government loan programs. It also can
organizations. merely a starting point for evaluating be used to provide continuity in
the needs of your business. operations during a period of ownership
logistics oF starting Your Liability Insurance – Businesses may transition caused by the death,
incapacitation or absence due to a Title
incur various forms of liability in
business conducting their normal activities. One 10 military activation of an owner or
of the most common types is product other "key" employee.
business licenses liability, which may be incurred when a Automobile – It is obvious that a
There are many types of licenses, both customer suffers harm from using the vehicle owned by your business should
state and local as well as professional. business product. There are many other be insured for both liability and
Depending on what you do and where types of liability, which are frequently replacement purposes. What is less
you plan to operate, your business may related to specific industries. Liability obvious is that you may need special
be required to have various state and/or law is constantly changing. An analysis insurance (called "non-owned automobile
municipal licenses, certificates or of your liability insurance needs by a coverage") if you use your personal
permits. competent professional is vital in vehicle on company business. This policy
Licenses are typically administered by determining an adequate and covers the business' liability for any
a variety of state and local departments. appropriate level of protection for your damage which may result for such
Consult your state or local government business. usage.
for assistance. Property – There are many different Officer and Director – Under most
types of property insurance and levels of state laws, officers and directors of a
Fictitious business name coverage available. It is important to corporation may become personally
Registering your business name, after determine the property you need to liable for their actions on behalf of the
doing a search to make sure that it is insure for the continuation of your company. This type of policy covers this
not already in use, protects you from business and the level of insurance you liability.
others who might want to use the same need to replace or rebuild. You must also Home Office – If you are establishing
name. For more information, contact the understand the terms of the insurance, an office in your home, it is a good idea
county clerk’s office in the county where including any limitations or waivers of to contact your homeowners' insurance
your business is based. If you are a coverage. company to update your policy to include
corporation, you’ll need to check with the Business Interruption – While coverage for office equipment. This
state. property insurance may pay enough to coverage is not automatically included in
San Diego County replace damaged or destroyed equipment a standard homeowner's policy.
Assessor/Recorder/County Clerk or buildings, how will you pay costs such
1600 Pacific Hwy., Rm. 260
San Diego, CA 92101
760-630-1219 (Calling from North County)
East San Diego County
200 S. Magnolia Ave.
El Cajon, CA 92020
619-237-0502 • Faster, better search capabilities
North San Diego County SBA’S WEBSITE • Information tailored to your needs
141 E. Carmel St.
San Marcos, CA 92078 Go to SBA’s new website today, • News about SBA programs & services
Some pages may change URLs on the upgraded site. Please
consult www.sba.gov or your local SBA district office for
16 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
emploYer iDentiFication North San Diego social securitY carDs
334 Via Vera Cruz, Ste. 107
San Marcos, CA 92078 All employees must have a social
An EIN, also known as a federal tax 760-510-5850 security card. It must be signed by its
identification number, is used to identify owner, and you should always ask to see
Imperial County and personally record the social security
a business entity. Generally all
1550 W. Main St. number. Failure to do so may cause your
businesses need an EIN. You may apply El Centro, CA 92243 employee to lose benefits and
for an EIN in a variety of ways, 760-352-3431 considerable trouble for yourself in back
including online, phone, and fax. tracking to uncover the error.
Taxpayers can obtain an EIN
immediately by calling 800-829-4933, FeDeral income tax Each payday, your employees must
receive a statement from you telling
Monday through Friday, from 7:30 a.m. Like the state income tax, the method them what deductions were made and
to 5:30 p.m. customer's local time. of paying federal income taxes depends how many dollars were taken out for
More information can be found at upon your legal form of business. each legal purpose. This can be
www.irs.gov. Sole Proprietorship: You must file presented in a variety of ways, including
IRS Federal Form Schedule C along on the check as a detachable portion or
IRS Tax Information with your personal Federal Income Tax in the form of an envelope with the
800-829-4933 return (Form 1040) and any other items printed and spaces for dollar
applicable forms pertaining to gains or deductions to be filled in.
Forms and Publications losses in your business activity.
Partnership: You must file a Federal
www.irs.gov Partnership return (Form 1065). This is
merely informational to show gross and Taxes
State Employer Account Number net earnings of profit and loss. Also, each If you have any employees, including
CA Taxpayer Assistance Center
partner must report his share of officers of a corporation but not the sole
www.edd.ca.gov partnership earnings on his individual proprietor or partners, you must make
Form 1040 based on the information periodic payments towards, and/or file
from the K-1 filed with the Form 1065.
FeDeral Corporation: You must file a Federal
quarterly reports about payroll taxes
and other mandatory deductions. You
selF-emploYment tax Corporation Income Tax return (Form
may contact these government agencies
Every employee must pay Social 1120). You will also be required to report
your earnings from the corporation for information, assistance and forms.
Security and Medicare coverage. If you Employment Taxes:
including salary and other income such
are self-employed, your contributions are Employment Development Department (EDD)
as dividends on your personal federal
made through the self-employment tax. 888-745-3886
income tax return (Form 1040).
The IRS has publications, counselors www.edd.ca.gov
and workshops available to help you sort
it out. For more information, contact the FeDeral paYroll tax State Income Tax:
California Franchise Tax Board
IRS at 800-829-1040 or www.irs.gov. Federal Withholding Tax: Any 800-852-5711
business employing a person must www.ftb.ca.gov
sales tax exemption register with the IRS and acquire an
Federal Income Tax & Withholding:
EIN and pay federal withholding tax at
certiFicate least quarterly. File Form SS-4 with the Internal Revenue Service
If you plan to sell products, you will IRS to obtain your number and required
need a Sales Tax Exemption Certificate. www.irs.gov
tax forms. Call 800-829-3676 or
It allows you to purchase inventory, or 800-829-1040 if you have questions. Social Security Administration
materials, which will become part of the 800-772-1213
product you sell, from suppliers without
paying taxes. It requires you to charge
irs Web proDucts For 800-325-0778 TDD/TTY
sales tax to your customers, which you small businesses
are responsible for remitting to the state. For the most timely and up-to-date Social Security’s Business Services
You will have to pay penalties if it is tax information, go to www.irs.gov/ Online
found that you should have been taxing businesses/small/index.html. The Social Security Administration
your products and now owe back taxes to now provides free electronic services
the state. For information on sales tax Updated Virtual Small Business Tax online at www.socialsecurity.gov/employer/.
Once registered for Business Services
issues, contact your state’s government. Workshop
Online, business owners or their
Seller’s Resale Permit The IRS’s Virtual Small Business Tax
authorized representative can:
Request mailed application Workshop (www.tax.gov/SmallBusiness • file W-2s online; and
From TDD phones: 800-735-2929
Taxpayer) is an interactive resource to • verify Social Security Numbers through
From voice phones: 800-735-2922
www.boe.ca.gov/info/reg.htm help small business owners learn about the Social Security Number Verification
their federal tax rights and Service, used for all employees prior to
San Diego responsibilities. This dynamic preparing and submitting Forms W-2.
1350 Front St., Ste. 5047 educational product consists of several
San Diego, CA 92101 U.S. Internal Revenue Service
stand-alone lessons that can be selected 800-829-1040
and viewed in any sequence. www.irs.gov
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 17
Health Insurance Equal Employment Opportunity Enterprise Zones
Compare plans in your area at Commission at 800-669-4000 or visit California Association of Enterprise
www.healthcare.gov. 550 Bercut Dr., Ste. G
Sacramento, CA 95814
Employee Insurance Alcoholic Beverage Control 877-930-CAEZ or 877-930-2230
If you hire employees you may be San Diego firstname.lastname@example.org
1350 Front St., Rm. 5056
required to provide unemployment or San Diego, CA 92101
workers’ compensation insurance. 619-525-4064 Department of Agriculture, Weights and
Workplace DisabilitY email@example.com San Diego County
5555 Overland Ave., Ste. 3101
programs North San Diego
334 Via Vera Cruz, Ste. 204
San Diego, CA 92123
Americans with Disabilities (ADA): San Marcos, CA 92078
For assistance with the ADA, call 760-471-4237
800-669-3362 or visit www.ada.gov. www.abc.ca.gov North County Office
firstname.lastname@example.org 151 E. Carmel St.
u.s. citizensHip anD Imperial County
San Marcos, CA 92078
34-160 Gateway Dr., Ste. 120
Palm Desert, CA 92211 Imperial County
The Federal Immigration Reform and 760-324-2027
Control Act of 1986 requires employers 852 Broadway
www.abc.ca.gov El Centro, CA 92243
to verify employment eligibility of new PDO.Direct@abc.ca.gov 760-482-4314
employees. The law obligates an http://imperialcounty.net/ag/
employer to process Employment Permit Assistance
Eligibility Verification Form I-9. The Permit Assistance: www.calgold.ca.gov. ENVIRONMENTAL PERMITS
U.S. Citizenship and Immigration Detailed information on the business
Services Office of Business Liaison offers permit, license and registration Air Pollution Control
a selection of information bulletins and requirements from all levels of San Diego County
government. 10124 Old Grove Rd.
live assistance through the Employer San Diego, CA 92131
Hotline. For forms call 800-870-3676, for 858-586-2600 Permits
the Employer Hotline call 800-357-2099. Product Labeling 858-586-2656 Sm. Bus. Assistance
Federal Trade Commission www.sdapcd.org
Worker’s Compensation Insurance Division of Enforcement
Required for all businesses with Imperial County
Federal Trade Commission 150 S. Ninth St.
employees. Contact an insurance agent 600 Pennsylvania Ave. N.W. El Centro, CA 92243
or state fund at www.dir.ca.gov or one of Washington, DC 20580 760-482-4606
the following: 202-326-3553 www.co.imperial.ca.us/AirPollution
Department of Industrial Relations www.ftc.gov
Worker’s Compensation Division Employment Development
7575 Metropolitan Dr., Ste. 202 Contractor’s License
San Diego, CA 92108 12501 East Imperial Hwy., Ste. 600, 6th Fl. Department Services (EDD)
619-767-2083 Norwalk, CA 90650 The Employment Development
www.dir.ca.gov/dwc/dwc_home_page.htm 800-321-2752 Depart-ment is ready to help your
www.business.ca.gov/StartaBusiness/Adminis company prepare for the challenging
teringEmployees/WorkersCompensation.aspx demands of today’s business world. The
County Environmental Health Service
(Food Handling) EDD can:
CA Insurance Fund Information San Diego County • Assist you with your labor market
(Worker’s Compensation) information and planning needs.
5500 Overland Ave., Ste. 110
San Diego, CA 92123 • Provide you with a variety of
Recorded information: 1-800-736-7401
858-505-6900 or 800-253-9933 employment services to meet your
www.sdcounty.ca.gov/deh/food/food.html staffing requirements.
Other locations throughout the county – • Offer employment tax guidance to help
CA Department of Insurance Check web site above. your business succeed.
800-927-HELP (4357) • Help you understand your disability
www.insurance.ca.gov/ Imperial County insurance options.
Public Health Department • Advise you on employment training
Environmental Health & Consumer services available to your company.
Other Considerations Protection Services Through their Internet home page,
All businesses with employees are 797 W. Main St., Ste. B you have direct access to information on
required to comply with state and El Centro, CA 92243
each of their programs and services, as
federal regulations regarding the 760-336-8530
well as to labor market information
protection of employees. Other www.co.imperial.ca.us
publications and the most widely used
information can be obtained from the
employment tax forms. You can also
18 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
find the nearest location in the state
government section of the telephone
saFetY & HealtH conduct business out of your home or
engage in industrial activity in a retail
directory under “Employment
regulations district. Contact the business license
Development Department.” All businesses with employees are office in the city or town where the
required to comply with state and business is located.
For more information, visit their
federal regulations regarding the
website at www.edd.ca.gov. protection of employees. The
Occupational Safety and Health bar coDing
E-Verify: Employment Eligibility Administration outlines specific health Many stores require bar coding on
Verification and safety standards adopted by the packaged products. Many industrial and
E-Verify, operated by the Department U.S. Department of Labor. For more manufacturing companies use bar coding
of Homeland Security in partnership information, contact: to identify items they receive and ship.
with the Social Security Administration, CA Department of Industrial Relations There are several companies that can
is the best--and quickest--way for Cal/OSHA – Occupational Safety assist businesses with bar-coding needs.
employers to determine the employment 7575 Metropolitan Dr., Ste. 204 You may want to talk with an SBDC,
eligibility of new hires. It is a safe, San Diego, CA 92108 SCORE or WBC counselor for more
simple, and secure Internet-based 619-767-2060 information.
system that electronically verifies the www.dir.ca.gov/DOSH/dosh1.html
Social Security number and employment Federal Registration of Trademarks
eligibility information reported on Form
San Diego County
Hazardous Materials Division and Copyrights
I-9. E-Verify is voluntary in most states 5500 Overland Ave., Ste. 110 Trademarks or service markets are
and there is no charge to use it. San Diego, CA 92123 words, phrases, symbols, designs or
If you are an employer or employee 858-505-6661 Permits or combinations thereof that identify and
and would like more information about 858-505-6880 Duty Desk distinguish the source of goods.
the E-Verify program, please visit www.sdcounty.ca.gov/deh Trademarks may be registered at both
www.dhs.gov/E-Verify or contact our the state and federal level. To register a
Customer Support staff: 1-888-464-4218
Monday – Friday 8 am – 5 pm.
builDing coDes, permits federal trademark, contact:
E-mail: email@example.com anD zoning U.S. Patent and Trademark Office:
P.O. Box 1450
It is important to consider zoning Alexandria, VA 22313-1450
regulations when choosing a site for your 800-786-9199
business. You may not be permitted to www.uspto.gov/
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 19
Trademark Information Hotline Calexico Imperial Beach
703-308-9000 608 Heber Ave. 825 Imperial Beach Blvd.
Calexico, CA 92231 Imperial Beach, CA 91932
Trademark Assistance Center: 760-768-2110 619-628-1423
Madison East, Concourse Level www.calexico.ca.gov www.cityofib.com
600 Dulany St.
Alexandria, VA 22314 Calipatria La Mesa
800-786-9199 125 N. Park Ave. 8130 Allison Ave.
www.uspto.gov/ Calipatria, CA 92233 La Mesa, CA 91941
state registration oF a www.calipatria.com www.cityoflamesa.com
traDemark Carlsbad Lemon Grove
Trademarks and service marks may be 1635 Faraday Ave. 3232 Main St.
registered in a state. For filing fees or Carlsbad, CA 92008 Lemon Grove, CA 91945
more information about applications for 760-602-2495 619-825-3800
registration of trademark or service www.carlsbadca.gov www.ci.lemon-grove.ca.us
mark, contact the:
State of California Chula Vista National City
1500 11th St., 2nd Fl. 276 Fourth Ave. 1243 National City Blvd.
Sacramento, CA 95814 Chula Vista, CA 91910 National City, CA 91950
916-653-3984 619-691-5250 619-336-4330
www.sos.ca.gov/business/ts/ www.ci.chula-vista.ca.us www.ci.national-city.ca.us
Caution: Federally registered Coronado
trademarks may conflict with and 1825 Strand Way
supersede state registered business and Coronado, CA 92118
300 N. Coast Hwy.
product names. 619-522-7320
Oceanside, CA 92054
A patent is the grant of a property Del Mar
1050 Camino Del Mar Poway
right to the inventor by the U.S. Patent 13325 Civic Center Dr. (Office)
Del Mar, CA 92014
and Trademark Office. It provides the 858-755-9354 ext. 30 Poway, CA 92064
owner with the right to exclude others www.delmar.ca.us 858-668-4400
from making, using, offering for sale or www.ci.poway.ca.us
selling the patented item in the United El Cajon
States. 200 Civic Center Way San Diego
Additional information is provided in El Cajon, CA 92020 1200 Third Ave., 1st Fl.
the publications, General Information 619-441-1668 San Diego, CA 92101
Concerning Patents and other www.ci.el-cajon.ca.us 619-615-1500
publications distributed through the www.sandiego.gov
U.S. Patent and Trademark Office. For El Centro
more information, contact the: 1275 Main St.
1 Civic Center Dr.
U.S. Patent and Trademark Office El Centro, CA 92243
760-337-4573 San Marcos, CA 92069
800-786-9199 • www.uspto.gov 760-744-1050 ext. 3101
Copyrights protect original works of Encinitas
505 S. Vulcan Ave. Santee
authorship including literary, dramatic, 10601 Magnolia Ave.
musical and artistic, and certain other Encinitas, CA 92024-3633
760-633-2606 Santee, CA 92071
intellectual works. Copyright does not www.cityofencinitas.org 619-258-4100 ext. 146
protect facts, ideas and systems, www.ci.santee.ca.us
although it may protect the way these Escondido
things are expressed. For general 201 N. Broadway Solana Beach
information contact: Escondido, CA 92025 635 S. Hwy. 101
U.S. Copyright Office 760-839-4659 Solana Beach, CA 92075
U.S. Library of Congress www.ci.escondido.ca.us 858-720-2441
Copyright Office www.ci.solana-beach.ca.us
101 Independence Ave. S.E. Holtville
Washington, DC 20559 121 W. 5th St. Vista
202-707-9100 - Forms & Publications Holtville, CA 92250 200 Civic Center Dr.
202-707-3000 or 760-356-2673 Vista, CA 92084
877-476-0778 Toll Free - Information www.holtville.ca.gov 760-639-6174
CITY BUSINESS LICENSE OFFICES: 420 S. Imperial Ave. Westmoreland
Brawley Imperial, CA 92251 355 S. Center St.
383 W. Main St. 760-355-1064 Westmorland, CA 92281
Brawley, CA 92227 www.imperial.ca.gov 760-344-3411
20 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
FINANCING & SURETY BONDS
Financing Options to Start or Grow Your Business
Small businesses must meet the
following eligibility criteria to participate
in the SBIR program.
• Be 51 percent owned and controlled by
one or more individuals who are U.S.
citizens or permanent resident aliens
in the U.S. or be a for-profit business
concern that is at least 51 percent
owned and controlled by another for-
profit business concern that is at least
51 percent owned and controlled by
one or more individuals who are
citizens of, or permanent resident
aliens in, the U.S.
• Be for-profit.
• Principal researcher must be employed
by small business.
• Company size cannot exceed 500
For more information on the SBIR
capital. Licensed and regulated by the
any entrepreneurs need Program visit www.sba.gov/sbir.
financial resources to start SBA, SBICs are privately owned and
or expand a small business managed investment funds that make
themselves and must capital available to qualifying U.S. small
Each year, the following eleven federal
combine what they have businesses at attractive rates.. The funds
departments and agencies are required
with other sources of financing. These raise private capital and can receive
SBA-guaranteed leverage up to 3x to reserve 2.5% of their extramural R&D
sources can include family and friends, funds for award to small businesses
venture-capital financing, and business private capital paid-in, with a leverage
ceiling of $150 million per SBIC and through the SBIR program:
$225 million for two or more licenses Departments of Agriculture; Commerce;
This section of the Small Business
under common control. Licensed SBICs Defense; Education; Energy; Health and
Resource guide discusses SBA’s primary
business loan and equity financing are for-profit investment firms whose Human Services; Homeland Security;
programs. These are: the 7(a) Loan incentive is to share in the success of a Transportation; Environmental
Program, the Certified Development small business. The SBIC program Protection Agency; National Aeronautics
Company or 504 Loan Program, the provides funding for a broad range of and Space Administration; and National
Microloan Program and the Small industries. Some SBICs invest in a Science Foundation.
Business Investment Company Program. particular field or industry while others
The distinguishing features for these invest more generally. For more small business
information visit www.sba.gov/inv.
programs are the total dollar amounts tecHnologY transFer
that can be borrowed, the type of lenders
who can provide these loans, the uses for small business innovation program
The Small Business Technology
the loan proceeds, and the terms placed
on the borrower.
researcH program Transfer (STTR) program reserves a
Note: The SBA does not offer grants The Small Business Innovation specific percentage of federal R&D
Research (SBIR) program encourages funding for award to small business and
to individual business owners to start
small businesses to advance their non-profit research institution partners.
or grow a business.
technical potential from funds Central to the program is expansion of
committed by federal agencies with large the public/private sector partnership to
small business investment extramural research and development include the joint venture opportunities
companY program budgets. The SBIR program serves to for small business and the nation's
premier nonprofit research institutions.
There are a variety of alternatives to fund the critical startup and
Small business has long been where
bank financing for small businesses. The development stages for a technology and
innovation and innovators thrive, but
Small Business Investment Company encourages commercialization of the
the risk and expense of conducting
(SBIC) program fills the gap between the technology, product or service. In turn, serious R&D efforts can be beyond the
availability of private capital and the this stimulates the U.S. economy. means of many small businesses. Non-
needs of small businesses for growth
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 21
profit research laboratories are also everything, the applicants’ contribution, the lender a certain amount of exposure
instrumental in developing high-tech use of loan proceeds, collateral, and most and risk on each loan. The percentage
innovations but frequently, innovation is important, an explanation of how the SBA guarantees depends on either the
confined to the theoretical. STTR business will be able to repay the loan in dollar amount or the program the lender
combines the strengths of both entities a timely manner. uses to obtain its guaranty. For loans of
by introducing entrepreneurial skills to The lender will analyze the $150,000 or less the SBA may guaranty
high-tech research efforts. The application to see if it meets the lender’s as much as 85 percent and for loans over
technologies and products are criteria as well as SBA’s requirements. $150,000 the SBA can provide a
transferred from the laboratory to the SBA will look to the lender to do much, guaranty of up to 75 percent.
marketplace. The small business profits if not all, of the analysis before it The maximum 7(a) loan amount is
from the commercialization, which, in provides its guaranty on the lender’s $5 million. (Loans made under the
turn, stimulates the U.S. economy. loan or provides the microlenders with SBAExpress program, which is
funds to re-lend to the business. The discussed subsequently, have a
STTR Requirements: SBA’s business loan programs provide a 50 percent guaranty.)
Small businesses must meet the key source of financing for viable small
businesses that have real potential, but
following eligibility criteria to participate
in the STTR program. cannot qualify for loans from the lending interest rates anD Fees
• Be 51 percent owned and controlled by institutions on their own. The actual interest rate for a 7(a) loan
one or more individuals who are U.S. guaranteed by SBA is negotiated
between the applicant and lender and
citizens or permanent resident aliens
in the U.S.
7(a) loan program subject to SBA maximums. Both fixed
• Be organized for profit. The 7(a) Loan program is the SBA’s and variable interest rate structures are
• Principal researcher need not be primary business loan program. It is the available. The maximum rate is
employed by small business. agency’s most used non-disaster comprised of two parts, a base rate and
• Company size cannot exceed 500 financial assistance program because of an allowable spread. There are three
employees. (No size limit for nonprofit its flexibility in loan structure, variety of
acceptable base rates (Wall Street
research institution). loan proceed uses, and availability. This
Journal Prime*, London Interbank One
The nonprofit research institution partner program has broad eligibility
requirements and credit criteria to Month Prime plus 3 percent, and an
must also meet certain eligibility criteria: SBA Peg Rate). Lenders are allowed to
• Be located in the United States and be accommodate a wide range of financing
needs. add an additional spread to the base rate
one of the following:
• Nonprofit college or university. The business loans that SBA to arrive at the final rate. For loans
• Domestic nonprofit research guarantees do not come from the agency, with maturities of less than seven years
organization. but rather from banks and other the maximum spread will be no more
• Federally funded R&D center. approved lenders. The loans are funded than 2.25 percent. For loans with
by these organizations and they make maturities of seven years or more, the
Participating Agencies: the decisions to approve or not approve maximum spread will be 2.75 percent.
Each year the following five Federal the applicants’ requests. The spread on loans under $50,000 and
departments and agencies are required The SBA guaranty reduces the loans processed through Express
by STTR to reserve 0.3% of their lender’s risk of borrower non-payment. If procedures may be higher.
extramural R&D funds for award to the borrower defaults, the lender can Loans guaranteed by SBA are
small business/nonprofit research request SBA to pay the lender that assessed a guaranty fee. This fee is
institution partnerships: Department of percentage of the outstanding balance based on the loan’s maturity and the
Defense; Department of Energy; guaranteed by SBA. This allows the dollar amount guaranteed, not the total
Department of Health and Human lender to recover a portion from SBA of loan amount. The guaranty fee is
Services; National Aeronautics and what it lent if the borrower can’t make generally paid by the borrower and can
Space Administration; and National the payments. The borrower is still
be included in the loan proceeds.
Science Foundation. obligated for the full amount.
On any loan with a maturity of one
To qualify for an SBA guaranty, a
small business must meet the lender’s year or less, the fee is just 0.25 percent
sba business loans criteria and the 7(a) requirements. In of the guaranteed portion of the loan. On
When you seek a business loan, addition, the lender must certify that it loans with maturities of more than one
familiarize yourself with the SBA’s would not provide this loan under the year, the normal guaranty fee is
business loan programs to see if they proposed terms and conditions unless it 2 percent of the SBA guaranteed portion
may be a viable option. Keep in mind can obtain an SBA guaranty. If the SBA on loans up to $150,000; 3 percent on
the dollar amount you seek to borrow is going to provide a lender with a loans over $150,000 but not more than
and how you want to use the loan guaranty, the applicant must be eligible $700,000; and 3.5 percent on loans over
proceeds. The three principal players in and creditworthy and the loan $700,000. There is also an additional fee
most of these programs are — the structured under conditions acceptable of 0.25 percent on any guaranteed
applicant small business, the lender and to SBA. portion over $1 million.
the SBA. SBA guarantees a portion of * All references to the prime rate refer
the loan (except for Microloans). The
business should have its business plan percentage oF guaranties to the base rate in effect on the first
business day of the month the loan
prepared before it applies for a loan. anD loan maximums application is received by SBA.
This plan should explain what resources The SBA only guarantees a portion of
will be needed to accomplish the desired any particular loan so each loan will also
business purpose including the cost of have an unguaranteed portion, giving
22 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
7(a) loan maturities eligibilitY • Construct commercial buildings; and
• Refinance existing debt under certain
SBA loan programs are generally 7(a) loan eligibility is based on four conditions.
intended to encourage longer term small different factors. The first is size, as all SBA 7(a) loan proceeds cannot be used
business financing, but actual loan loan recipients must be classified as for the purpose of making investments.
maturities are based on the ability to “small” by SBA. The basic size
SBA proceeds cannot be used to provide
repay, the purpose of the loan proceeds standards are outlined below. A more
in-depth listing of standards can be funds to any of the owners of the
and the useful life of the assets financed. business except for ordinary
However, maximum loan maturities found at www.sba.gov/size.
compensation for actual services
have been established: 25 years for real
SBA Size Standards: provided.
estate; up to 10 years for equipment
• Manufacturing — from 500 to no more
(depending on the useful life of the
than 1,500 employees Miscellaneous Factors
equipment); and generally up to seven • Wholesaling — No more than 100 The fourth factor involves a variety of
years for working capital. Short-term employees requirements such as SBA’s credit
loans and revolving lines of credit are • Services — from $4.5 million to no elsewhere test and utilization of personal
also available through the SBA to help more than $35.5 million in average
assets requirements where the business
small businesses meet their short-term annual receipts
• Retailing — from $7 million to no more
and its principal owners must use their
and cyclical working capital needs.
than $35.5 million in average annual own resources before getting a loan
receipts guaranteed by SBA. It also includes
structure • General construction — from $7 SBA’s anti-discrimination rules and
Most 7(a) loans are repaid with million to no more than $33.5 million restrictions on lending to agricultural
monthly payments of principal and in average annual receipts enterprises because there are other
• Agriculture — from $750,000 to no agencies of the federal government with
interest. For fixed-rate loans the
more than $17.5 million in average programs to fund such businesses.
payments stay the same whereas for annual receipts
variable rate loans the lender can re- Generally, SBA loans must meet the
establish the payment amount when the following criteria:
Nature of Business • Every loan must be for a sound
interest rates change or at other The second eligibility factor is based business purpose;
intervals as negotiated with the on the nature of the business and the • There must be sufficient invested
borrower. Applicants can request that process by which it generates income or equity in the business so it can operate
the lender establish the loan with the customers it serves. The SBA has on a sound financial basis;
interest-only payments during the start- general prohibitions against providing • There must be a potential for long-
up and expansion phases (when eligible) financial assistance to businesses term success;
to allow the business time to generate involved in such activities as lending, • The owners must be of good character
income before it starts making full loan speculating, passive investment, and reputation; and
payments. Balloon payments or call pyramid sales, loan packaging, • All loans must be so sound as to
provisions are not allowed on any 7(a) presenting live performances of a reasonably assure repayment.
loan. The lender may not charge a prurient sexual nature, businesses For more information, go to
prepayment penalty if the loan is paid involved in gambling and any illegal www.sba.gov/apply.
off before maturity, but the SBA will activity.
The SBA will also not support non-
charge the borrower a prepayment fee if
the loan has a maturity of 15 or more profit businesses, private clubs that limit WHat to take to tHe lenDer
membership on a basis other than Documentation requirements may
years and is pre-paid during the first
capacity, businesses that promote a vary; contact your lender for the
three years. information you must supply.
religion, businesses owned by
individuals incarcerated or on probation Common requirements include the
collateral or parole, municipalities, and situations following:
The SBA expects every 7(a) loan to be where the business or its owners • Purpose of the loan.
previously failed to repay a federal loan • History of the business.
fully secured, but the SBA will not • Financial statements for three years
or federally assisted financing.
decline a request to guaranty a loan if (existing businesses).
the only unfavorable factor is insufficient • Schedule of term debts (existing
collateral, provided all available
Use of Proceeds businesses).
The third eligibility factor is use of • Aging of accounts receivable and
collateral is offered. What these two
proceeds. 7(a) proceeds can be used to: payable (existing businesses).
policies mean is that every SBA loan is purchase machinery, equipment, • Projected opening-day balance sheet
to be secured by all available assets fixtures, supplies, make leasehold (new businesses).
(both business and personal) until the improvements, as well as land and/or • Lease details.
recovery value equals the loan amount buildings that will be occupied by the • Amount of investment in the business
or until all assets have been pledged to business borrower. by the owner(s).
the extent that they are reasonably • Projections of income, expenses and
Proceeds can also be used to: cash flow as well as an explanation of
available. Personal guaranties are • Expand or renovate facilities; the assumptions used to develop these
required from all the principal owners of • Finance receivables and augment projections.
the business. Liens on personal assets of working capital; • Personal financial statements on the
the principals may be required. • Finance seasonal lines of credit; principal owners.
• Acquire businesses; • Resume(s) of the principal owners and
• Startup businesses; managers.
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 23
HoW tHe 7(a) program institution for a portion of its loss. By
providing this guaranty, the SBA is able
Works to help tens of thousands of small The Patriot Express pilot loan
Applicants submit their loan businesses every year get financing they initiative is for veterans and members of
application to a lender for the initial might not otherwise obtain. the military community wanting to
review. The lender will generally review After SBA approval, the lender is establish or expand a small business.
the credit merits of the request before notified that its loan has been Eligible military community members
deciding if they will make the loan guaranteed. The lender then will work include:
themselves or if they will need an SBA with the applicant to make sure the
guaranty. If a guaranty is needed, the • Service-disabled veterans;
terms and conditions are met before • Active-duty servicemembers eligible for
lender will also review eligibility, and
closing the loan, disbursing the funds, the military’s Transition Assistance
the applicant should be prepared to
and assuming responsibility for Program;
complete some additional documents
collection and general servicing. The • Reservists and National Guard
before the lender reviews the request to members;
borrower makes monthly loan payments
ensure it meets SBA’s requirements • Current spouses of any of the above,
directly to the lender. As with any loan,
before sending the request for guaranty including a servicemember;
to the SBA. Applicants who feel they the borrower is responsible for repaying
• The widowed spouse of a
need more help with the process should the full amount of the loan in a timely servicemember or veteran who died
contact their local SBA district office or manner. during service or of a service-connected
one of SBA’s resource partners for disability.
assistance. What the SBA Looks for: The Patriot Express loan is offered by
• Ability to repay the loan on time from SBA’s widest network of lenders
There are several ways a lender can
the projected operating cash flow.
apply to the SBA for a 7(a) guaranty nationwide and features the fastest
• Owners and operators who are of good
from SBA. The main differences character. turnaround time for loan approvals.
between these methods are related to • Feasible business plan. Loans are available up to $500,000 and
the documentation which the lender • Management expertise and qualify for SBA’s maximum guaranty of
provides, the amount of review which commitment necessary for success. 85 percent for loans of $150,000 or less
SBA conducts, the amount of the loan • Sufficient funds, including the SBA and 75 percent for loans over $150,000
and the lender responsibilities in case guaranteed loan, to operate the
up to $500,000. For loans above
the loan defaults and the business’ business on a sound financial basis (for
new businesses, this includes the $350,000, lenders are required to take
assets must be liquidated. The methods all available collateral.
resources to meet start-up expenses
are: The Patriot Express loan can be used
and the initial operating phase).
• Standard 7(a) Guaranty
• Certified Lender Program
• Adequate equity invested in the for most business purposes, including
business. start-up, expansion, equipment
• Preferred Lender Program
• Sufficient collateral to secure the loan purchases, working capital, inventory or
• Rural Lender Advantage
or all available collateral if the loan
• SBA Express
cannot be fully secured.
business-occupied real-estate purchases.
• Patriot Express Patriot Express loans feature SBA’s
• Export Express lowest interest rates for business loans,
• Small Loan Advantage sbaexpress generally 2.25 percent to 4.75 percent
• Community Advantage
The SBAExpress guaranty is available over prime depending upon the size and
For the Standard, Certified and
to lenders as a way to obtain a guaranty maturity of the loan. Your local SBA
Preferred methods, the applicant fills out
on smaller loans up to $350,000. (Note: district office will have a listing of
SBA Form 4, and the lender completes
Through September 27, 2011, this Patriot Express lenders in your area.
SBA Form 4-1. When requests for
has increased to $1 million.) The More information is available at
guarantees are processed using Express
program authorizes selected, www.sba.gov/patriotexpress.
Advantage methods, the applicant uses
experienced lenders to use mostly their
more of the regular forms of the lender
own forms, analysis and procedures to
and just has a few federal forms to
process, service and liquidate SBA- aDvantage loans
complete. When SBA receives a request In early 2011, SBA rolled out two
guaranteed loans. The SBA guarantees
that is processed through Standard or Advantage loan initiatives aimed at
up to 50 percent of an SBAExpress loan.
CLP procedures, it either reanalyzes or helping entrepreneurs and small
Loans under $25,000 do not require
reviews the lender’s eligibility and credit business owners in underserved
collateral. The use of loan proceeds is the
analysis before deciding to approve or communities gain access to capital. Both
same as for any basic 7(a) loan. Like
reject. For requests processed through offer a streamlined loan application
most 7(a) loans, maturities are usually
PLP, or Express programs, the lender is process and the regular 7(a) loan
five to seven years for working capital
delegated the authority to make the guarantee for loans under $250,000.
and up to 25 years for real estate or
credit decision without SBA’s The Small Loan Advantage program
equipment. Revolving lines of credit are
concurrences which help expedite the is available to lenders participating in
allowed for a maximum of seven years.
processing time. the Preferred Lenders program. SBA
For a list of lenders in your area,
In guaranteeing the loan, the SBA lenders who are not participating in the
contact your local SBA office at:
assures the lender that, in the event the preferred lenders program can contact
borrower does not repay the loan, the their local district office to apply.
government will reimburse the lending
24 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
The Community Advantage pilot
program opens up 7(a) lending to
days to finance activity for a new
season. These also may have a
export Working capital
mission-focused, community-based maturity of up to five years. The program
lenders – such as CDFIs, CDCs, and business may not have another The SBA’s Export Working Capital
seasonal line of credit outstanding but program (EWCP) assists lenders in
microlenders – who provide technical
may have other lines for non-seasonal meeting the needs of exporters seeking
assistance and economic development working capital needs.
support in underserved markets. short-term export working capital. This
• The Builders Line Program provides
More information on both programs is program enables U.S. exporters to obtain
financing for small contractors or
available at www.sba.gov/advantage. loans to fund their direct export costs.
developers to construct or rehabilitate
residential or commercial property.
The EWCP supports single transactions
Loan maturity is generally three or revolving lines of credit. The
special purpose 7(a) loan years but can be extended up to five maximum dollar amount of an export
programs years if necessary to facilitate sale of line of credit under this program is $5
million. SBA guarantees up to 90% of a
The 7(a) program is the most flexible the property. Proceeds are used solely
for direct expenses of acquisition, loan amount or $ 4.5 million, whichever
of SBA’s lending programs. The agency
immediate construction and/or is less. Loan maturities are generally for
has created several variations to the
significant rehabilitation of the a term of 12 months. The guaranty can
basic 7(a) program to address the
residential or commercial structures. be reissued for an additional 12 months
particular financing need of certain
The purchase of the land can be through a new application process. The
small businesses. These special purpose included if it does not exceed 20 guaranty fee the SBA charges is 0.25
programs are not necessarily for all percent of the loan proceeds. Up to 5 percent of the guaranteed amount of the
businesses but may be very useful to percent of the proceeds can be used loan for the initial 12 months. The
some small businesses. They are for physical improvements that borrower negotiates the interest rate and
generally governed by the same rules, benefit the property. all other fees with the lender. The
regulations, fees, interest rates, etc. as • The Small Asset-Based Line is a program offers flexible terms, low fees
the regular 7(a) loan guaranty. Lenders revolving line of credit (up to and a quick processing time. For
can advise you of any variations. $200,000) that provides short term
information, see www.sba.gov/exportloans.
working capital. These lines are
generally used by businesses that
caplines provide credit to their customers. Eligibility of Exporter
The CAPLines program is designed to Disbursements are based on the size You must have a business operating
help small businesses meet their short- of a borrower’s accounts receivable history of at least one year – not
term and cyclical working capital needs. and/or inventory. Repayment comes necessarily in exporting. The SBA may
There are five loan programs under the from the collection of accounts waive this requirement if you have
CAPLines umbrella. The programs can receivable or sale of inventory. It does sufficient export trade experience or
be used to finance seasonal working require periodic servicing and other managerial experience.
capital needs; finance the direct costs of monitoring of the collateral for which Eligibility of Foreign Buyers
performing certain construction, service the lender can charge up to two The foreign buyer must be a
and supply contracts; finance the direct percent annually to the borrower. creditworthy entity and the methods of
cost associated with commercial and • The Standard Asset-Based Line is payment must be acceptable to the SBA
similar to the Small Asset-Based
residential construction; finance and the export lender.
Line, but for loan amounts over
operating capital by obtaining advances
$200,000. It does require stricter
against existing inventory and accounts servicing and monitoring and the Use of EWCP Proceeds:
receivable; and consolidate short-term lender may pass these costs along to • To acquire inventory for export or to be
debt. SBA provides up to an 85 percent the borrower. used to manufacture goods for export.
guarantee. There are five distinct • To pay the manufacturing costs of
programs under the CAPLine umbrella: goods for export.
• The Contract Loan Program is used export assistance • To purchase goods or services for
to finance material and labor needs trade Financing export.
• To support standby letters of credit
for a specific contract or contracts.
The SBA has help for existing small related to export transactions.
Proceeds can be disbursed before the
businesses wanting to export goods and • For pre-shipment working capital
work begins. If used for one contract,
it is generally not revolving; if used
services. directly related to export orders.
for more than one contract at a time, • For post-shipment foreign accounts
it can be revolving. The loan maturity u.s. export assistance receivable financing.
is usually based on the length of the
contract, but no more than five years.
center (useac) Ineligible Use of Proceeds
Contract payment must be sent U.S. Export Assistance Centers are a • To support the applicant’s domestic
directly to the lender. network of facilities around the U.S. sales.
• The Seasonal Line of Credit staffed by SBA, U.S. Department of • To acquire fixed assets or capital goods
Program is used to support buildup of Commerce and the Export-Import Bank for the applicant’s business.
inventory, accounts receivable or of the U.S. to provide trade promotion • To support a sale where the exporter is
labor and materials above normal and export-finance assistance for small not taking title to the goods.
usage for seasonal inventory. The businesses in a single location. The • To acquire, equip, or rent commercial
business must have been in business USEACs also work closely with other space overseas.
for a period of 12 months and must federal, state and local international • To serve as a warranty letter of credit.
have a definite established seasonal trade organizations. To find the nearest
pattern. The loan may be used over USEAC, go to www.export.gov/eac.
again after a “clean-up” period of 30
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 25
• Collateral for the manufacturing sector
typically consists of a first lien on all
export-related inventory and export
related accounts receivable.
• Collateral for the service sector
typically consists of assignment of
proceeds of export-related contracts or
purchase orders and a first lien on
export-related accounts receivable.
• Other collateral may be required.
How to Apply
A small business exporter seeking a
guaranteed EWCP loan must apply to a
international traDe loan
The SBA’s International Trade Loan
program (ITL) helps small businesses and making other improvements that and other activities designed to initiate
engaged or preparing to engage in will be used within the United States or expand the applicant’s export of its
international trade as well as small for producing goods or services. products/services from the U.S.;
Refinancing a facility/building is also • Provide transaction-specific financing
businesses adversely affected by
permissible if the original loan on the for overseas orders;
competition from imports. This program property could have been refinanced • Provide revolving lines of credit for
allows for a maximum loan amount of under regular 7(a). export purposes, the term of which
$5 million. The international trade loan Collateral Requirements - Collateral must not exceed seven years. In some
provides an SBA guarantee up to $ 4.5 requirements are the same as for instances, as a normal course of
million for a term loan used for the regular 7(a) loans. business, the borrower may use
acquisition, construction, renovation, How to Apply - A small business portions of revolving lines of credit for
modernization, improvement or exporter seeking a guaranteed loan must domestic purposes, but no less than 70
expansion of long-term fixed assets or percent of the revolving line to be used
apply to an SBA participating lender.
the refinancing of an existing loan used for export related purposes;
Call your local SBA District Office for a • Provide term loans and other financing
for these same purposes. It may also be list of participating lenders. to enable small business concerns,
used in for working capital or in including small business export
conjunction with any SBA working
capital loans, including the EWCP. The export express trading companies to develop foreign
SBA guaranty fee and interest rates are The Export Express program is • Acquire, construct, renovate,
the same as for any standard 7(a) loans. designed to help SBA meet the export modernize, improve or expand
financing needs of small businesses. It is production facilities or equipment to be
Eligibility of Exporter subject to the same loan processing, used in the U.S. in the production of
• Applicants must meet the same making, closing, servicing, and goods or services to be exported from
eligibility requirements for a 7(a) loan. liquidation requirements as well as the the U.S.
• Applicant must establish the loan will same maturity terms, interest rates, and
significantly expand or develop an applicable fees as for other SBA loans Ineligible Use of Proceeds
export market, or the applicant has except as noted below. The total Export Proceeds may not be used to finance
been adversely affected by import Express loan cannot exceed $500,000. overseas operations, other than those
competition, and, in addition, the SBA guarantees 90 percent for loans of strictly associated with the marketing
applicant must show that upgrading $350,000 and under and 75 percent for and/or distribution of products/services
equipment or facilities will improve its loans greater than $350,000 up to the exported from the U.S.
competitive position. maximum of $500,000. SBA allows
• If eligibility is based on entering or participating lenders to make their own
expanding export sales, the applicant
How to Apply
credit decisions. SBA provides a quick The application process is the same for
must submit a one or two page processing time, less than 36 hours.
international business plan, including the SBAExpress, except the applicant
Eligible Buyers – The same as for the
sufficient information to reasonably must demonstrate that loan proceeds
Export Working Capital Program.
support the likelihood of expanded will enable it to enter a new export
export sales. market or expand an existing export
Use of Proceeds
• Finance standby letters of credit used market. The applicant must submit to
Use of Proceeds for either bid or performance bonds; the lender a plan that includes projected
• For facilities or equipment, including • Finance export development activities export sales for the upcoming year as
purchasing land and building(s); such as export marketing and
building new facilities; renovating, well as the dollar volume of export sales
promotional activities, participation in for the previous year.
improving, or expanding existing foreign trade shows, translation of
facilities; purchasing or reconditioning product literature for foreign markets,
machinery, equipment and fixtures;
26 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
SBA’S non-7(a) LoAn • Most borrowers are required to make
an injection (borrower contribution) of
California Statewide CDC
just 10 percent which allows the 800-982-9192
In addition to the 7(a) Loan program business to conserve valuable firstname.lastname@example.org
SBA has three other non-disaster operating capital. A further injection Chris Kelleher
of 5 percent is needed if the business is
assistance programs which can help a start-up or new (less than 2 years
small businesses gain access to capital Chris.email@example.com
old) and a further injection of 5 percent
and bonding. is also required if the primary Capital Access Group
collateral will be a single purpose Claudia Cohen
Certified deveLoPment building.
• Two-tiered project financing: a lender
415-217-7600 ext. 104
ComPAny LoAn ProgrAm finances approximately 50 percent of
(504 LoAnS) the project cost and receives a first lien
on the project assets (but no SBA
The 504 Loan program is an economic guaranty); A CDC (backed by a 100%
development program that supports SBA-guaranteed debenture) finances firstname.lastname@example.org
American small business growth and up to 40% of the project costs secured
with a junior lien. The borrower Resource Capital CDC
helps communities through business Warren Brazas
provides the balance of the project
expansion and job creation. This SBA 858-605-2865
program provides long-term, fixed-rate, • Fixed interest rate on SBA loan. SBA email@example.com
subordinate mortgage financing for guarantees the debenture 100 percent.
acquisition and/or renovation of capital Debentures are sold in pools monthly Southland EDC
assets including land, buildings and to private investors. This low, fixed Maria Mata
equipment. Some refinancing is also rate is then passed on to the borrower 858-578-1504 ext. 221
and establishes the basis for the loan firstname.lastname@example.org
permitted. Most for-profit small
businesses are eligible for this program. • All project-related costs can be TMC Development
The types of businesses excluded from financed, including acquisition (land Jacky Kim
7(a) loans (listed previously) are also and building, land and construction of 213-612-7787
excluded from the 504 loan program. building, renovations, machinery and email@example.com
Loans are provided through Certified equipment) and soft costs, such as title
insurance and appraisals. Some closing
Development Companies. CDCs work
costs may be financed.
with banks and other lenders to make • Collateral is typically a subordinate
loans in first position on reasonable lien on the assets financed; allows
terms, helping lenders retain growing other assets to be free of liens and
customers and provide Community available to secure other needed
Redevelopment Act credit. financing.
The SBA 504 loan is distinguished
from the SBA 7(a) loan program in these
• Long-term real estate loans are up to
20-year term, heavy equipment 10 or
20-year term and are self-amortizing.
The maximum debenture, or long-term
Businesses that receive 504 loans are:
• Small — net worth under $15 million,
net profit after taxes under $5 million,
• $5 million for businesses that create a
certain number of jobs or improve the
or meet other SBA size standards.
• Organized for-profit.
• Most types of business — retail,
• $5 million for businesses that meet a
specific public policy goal, including
service, wholesale or manufacturing.
The SBA’s 504 certified development
• $5.5 million for manufacturers and
energy public policy projects.
Recent additions to the program allow
companies serve their communities by
financing business expansion needs.
Their professional staffs works directly
$5.5 million for each project that reduces
the borrower’s energy consumption by at
with borrowers to tailor a financing
package that meets program guidelines
and the credit capacity of the borrower’s
least 10 percent; and $5.5 million for
business. For information, visit 1 IN 6 AMERICANS
each project that generates renewable
www.sba.gov/504. STRUGGLES WITH HUNGER.
energy fuels, such as biodiesel or ethanol
production. Projects eligible for up to Advantage CDC
$5.5 million under one of these two Regina Peterson
requirements do not have to meet the job 562-983-7450
creation or retention requirement, so firstname.lastname@example.org
long as the CDC portfolio average is at WE’RE
least $65,000. CDC Small Business Finance
• Eligible project costs are limited to Jeff Bolton or Mike Sarthou
long-term, fixed assets such as land 619-291-3594 Hunger is closer than you think.
and building (occupied by the email@example.com Reach out to your local food
bank for ways to do your part.
borrower) and substantial machinery firstname.lastname@example.org Visit FeedingAmerica.org today.
and equipment. Working capital is not
an eligible use of proceeds.
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 27
miCroLoAn ProgrAm the Surety Bond guArAntee
The Microloan program provides small ProgrAm
loans ranging from under $500 to
The Surety Bond Guarantee program
$50,000. Under this program, the SBA
is a public-private partnership between
makes funds available to nonprofit
intermediaries that, in turn, make the the federal government and surety
small loans directly to entrepreneurs, companies to provide small businesses
including veterans. Proceeds can be used with the bonding assistance necessary
for typical business purposes such as for them to compete for public and The SBA has two program options
working capital, or the purchase of private contracting and subcontracting available, the Prior Approval Program
furniture, fixtures, machinery, supplies, opportunities. The guarantee provides (Plan A) and the Preferred Surety Bond
equipment, and inventory. Microloans all incentive for sureties to bond small Program (Plan B). In the Prior Approval
may not be used for the purchase of real businesses that would otherwise be Program, SBA guarantees 90 percent of
estate. Interest rates are negotiated unable to obtain bonding. The program surety’s paid losses and expenses on
between the borrower and the is aimed at small businesses that lack bonded contracts up to $100,000, and on
intermediary. The maximum term for a the working capital or performance track bonded contracts greater than $100,000
microloan is 7 years. For more record necessary to secure bonding on a that are awarded to socially and
information, go to www.sba.gov/
reasonable basis through regular economically disadvantaged concerns,
CDC Small Business Finance commercial channels. HUBZone contractors, and veterans, and
Micro Loans Through this program, the SBA service-disabled veteran owned small
619-243-8639 guarantees bid, payment, performance businesses. All other bonds guaranteed
email@example.com and ancillary bonds issued by surety in the Plan A Program receive an 80
www.cdcloans.com companies for individual contracts and percent guarantee. Sureties must obtain
subcontracts up to $2 million. The SBA SBA’s prior approval for each bond
Other Microloan Programs reimburses sureties between 70 and 90 guarantee issued. Under Plan B, SBA
The SBA does not administer the percent of losses sustained if a contractor guarantees 70 percent, but sureties may
programs listed here. The information defaults on the contract. issue, monitor and service bonds without
provided does not constitute or imply an SBA’s prior approval.
endorsement by SBA or the United
States Government of the product,
process, or service, or its producer or
provider. The views and opinions
expressed by the following references do
not necessarily state or reflect those of
the SBA or the United States
Cities often have microloan programs
for businesses. Contact your city’s
Economic Development Department or
Redevelop-ment Department for
ACCION San Diego
ACCION offers a microloan program
for small businesses, making loans of
$300 to $35,000. Loans are made to
small firms that do not qualify for
regular commercial financing because
they have not been in business long
enough, lack collateral or financial
records or have poor credit history.
Loans are usually made within two
weeks of application and have interest
rates varying from 10 to 16 percent
depending on the loan amount and
credit history. Administrative fees range
from $50 to $100 (paid only upon loan
approval) and the length of payback is 3
to 60 months. For more information
contact 800-967-4429 or visit:
28 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 29
Back to Work
tHe small business Jobs act: Helping small businesses gain access
Access to capital is one of the biggest concerns
tHe tools small businesses neeD facing small businesses. You may have heard
On Sept. 27, President Obama signed the Small about the Jobs Act’s extensions of the popular
Business Jobs Act, which is the most significant provisions which increased the guarantee on loans
piece of small business legislation in over a decade. and reduced the borrower fees in our top two
The Jobs Act provides entrepreneurs and small programs. This helped SBA turn $505 million in
business owners with a toolbox that includes tax taxpayer funds into $12 billion in overall small
relief, access to capital, more contracting business lending. This temporary provision has
opportunities and exporting assistance, so they can drawn to a close, but the Jobs Act made a number
grow and create the jobs America needs. So, of changes to SBA lending which will help small
whether you’re starting a business or looking to businesses get the capital they need.
grow, here are the facts you need to know to take For small businesses like manufacturers,
advantage of all that’s in the Small Business Jobs exporters, and franchises, that are ready to grow
Act. but need larger loans, the Jobs Act permanently
increased the limits on SBA loans from $2 million
to $5 million. This will help more small businesses
proviDing tax relieF For small who need capital use SBA loans. The Jobs Act also
businesses increases SBA microloan maximums from $35,000
As tax season approaches, there are several new to $50,000. SBA data shows that microloans often
tax cuts that small business owners can take benefit entrepreneurs who need startup capital and
advantage of, including: business owners in underserved communities who
• The highest ever small business expensing limits– often find it harder to access capital.
$500,000 for 2010 and 2011 The Jobs Act contained two important temporary
• Carry back for qualified small businesses of provisions. The limit on quick-turnaround SBA
general business credits to offset five years of
Express loans was increased from $350,000 to $1
• Zero capital gains taxes on qualified stock million through September, 2011. And, the Jobs
investments in small businesses for the 2010 tax Act will soon temporarily allow owner-occupied
year small businesses to use SBA’s 504 loan program to
• Increased deductions for start-up expenditures for refinance their non-SBA commercial real estate
entrepreneurs for the 2010 tax year mortgages. With a large percentage of commercial
• Easier deductions for employer-provided cell real estate mortgages set to mature in the next few
phones years, many small business owners face the
• New deductions for health insurance costs for self- negative impact of declining real estate values.
employed business owners and their family Allowing good, healthy small businesses to
refinance their mortgages will help them keep their
• Limits on penalties for errors in tax reporting that
disproportionately affect small business doors open and protect jobs, as well as get more
• Extended bonus depreciation stable, long-term mortgage financing.
30 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
Helping small businesses Win Helping small businesses groW
government contracts tHrougH exporting
Are you a government contractor? The Federal Small businesses are the sector of the economy
government is the largest purchaser of goods and that’s best poised for growth through exporting.
services in the world. Last year, $100 billion in With the growth in new technology, new markets
Federal contracts went to small businesses. The are opening up small businesses all the time. And
Jobs Act contains provisions to help build on that since the President has made it a priority to double
and get more contracts in the hands of small the country’s exports, now is a perfect time to begin
businesses in 2011 and beyond. exporting. The Jobs Act makes growing your
For instance, the law reaffirmed “parity” among business through exporting easier than ever.
federal small-business contracting programs. When The loan limits in SBA’s International Trade
awarding contracts that are set-aside for small Loans and Export Working Capital have been
businesses, contracting officers are free to choose increased to $5 million. These loans support small
among businesses owned by women and service- business exporters who need capital to invest in
disabled veterans, as well as businesses exporting and fill orders coming from overseas.
participating in HUBZone and 8(a) programs. Moreover, the Export Express Pilot is now a
The law eliminates the “Competitiveness permanent, with 90% guarantees for loans up to
Demonstration” program, which limited $350,000 and 75% for loans between $350,000 and
opportunities for small contractors in 11 industries $500,000. Lastly, the Jobs Act provides funding for
where they excel, such as construction, landscaping competitive grants for states to help small business
and pest control. This will build on the $24 billion owners with exporting.
small businesses won in these industries in Fiscal
Year 2009 (effective January 31, 2011). more tools For small businesses
The law gives contracting officers the ability to There are dozens and dozens of programs,
reserve orders for small business participation on resources, and tools to support your small business
contracts with multiple awards including the in the Small Business Jobs Act. From the new loan
Federal Supply Schedule (GSA Multiple Award programs and tax cuts mentioned above, to the
Schedule). The law makes it harder for agencies to Treasury Department’s Small Business Lending
“bundle” contracts, a practice that makes it more Fund that will help many community banks around
difficult for small businesses to compete. the country, you’re sure to find what you need to
The law establishes a legal standing of grow your business and create jobs. Your local SBA
“presumption of loss” when a business district office or resource partner can help you
misrepresents its ownership status or size in navigate the ins-and-outs of the Jobs Act, or you
winning a government contract. This allows a can get started by visiting www.SBA.gov.
federal agency to claim a loss on the purchase,
enabling those agencies, including the Department
of Justice, to vigorously pursue fraudulent firms.
The law holds large prime contractors more
accountable to their own subcontracting plans by
requiring written justification when plans aren’t
met and when small business subcontractors aren’t
paid on time. This helps eliminate “bait-and-
switch” tactics that occur when large primes – after
winning the prime contract – don’t follow through
with their own plans to give subcontracts to small
Whether your small business has worked on
government contracts for years, or you’re looking at
contracting as a way to grow, there’s good news in
the Jobs Act.
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 31
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 disadvantaged businesses,
women-owned, service-disabled veteran-
owned, or is located in historically
underutilized business zones
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, Types of Contracts Small Business Set-Asides
matchmaking events, and online Firm fixed price contracts places the A “set-aside” for small businesses
training opportunities; and helps responsibility for the costs and risk of reserves an acquisition exclusively for
agencies identify opportunities for small loss on the contractor. Firm fixed price small business concern participation.
businesses. contracts do not permit any adjustment There are two ways in which set-asides
on the basis of the contractor’s costs can be determined. First, if an
during the performance of the contract. acquisition of goods or services has an
HoW government This type of contract is used in all sealed anticipated dollar value of at least
contracting Works bid and some negotiated procurements. $3,000 but not exceeding $100,000, it is
Sealed bidding vs. Negotiation Cost reimbursement contracts provide automatically reserved for small
There are two methods the for the payment of allowable costs businesses. The acquisition will be set
government uses to purchase goods and incurred by the contractor, to the extent aside only if the contracting officer
services, sealed bidding and negotiation. stated in the contract. The contract determines there are two or more
The first method, sealed bidding, establishes a ceiling price, above which a responsible small business concerns that
involves issuing an invitation for bid by contractor may not exceed without the are competitive in terms of market
a procuring agency. Under the sealed approval of the contracting officer. Cost prices, quality and delivery. Second, if an
bidding method, a contract is usually reimbursement contracts are used in acquisition of goods or services is more
awarded to the lowest priced bidder that research contracts that have commercial than $100,000, and if it’s likely offers
can meet the quantity, quality and applicability. will be obtained from at least two
delivery requirements of the Some contracts do not fit neatly into responsible small business concerns, and
procurement. The second method, these two categories, such as time and if awards will be made at fair market
negotiation, involves issuing a request material contracts (prices for hourly prices, the acquisition is reserved for
for proposal or request for quotation. The wages are fixed but the hours are exclusively for small business concerns.
business with the best proposal in terms estimated) and letter contracts Reasonable expectations of small
of technical content, price and other (authorizes a contractor to begin work on business competition may be evaluated
factors generally wins the contract. an urgent requirement). using past acquisition history of an item
or similar items.
32 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
There are several exceptions and perform on the contract. If the business Just as Congress has given federal
unique rules for specific kinds of small demonstrates the capability to perform, agencies a goal of procuring 23 percent
businesses and industries. For R&D the SBA issues a Certificate of of federal contracts from small
small business set-asides, there must be Competency to the contracting officer, businesses, so too must federal agencies
reasonable expectation of obtaining from requiring award of that contract to the meet specific contracting goals for other
small businesses the best scientific and small business. categories of small firms. These goals
technological sources consistent with the are:
demands of the proposed acquisition. For WHat You sHoulD knoW • 5 percent of contracts go to Small
small business set-asides other than for
construction services, any concern
about Your business • 5 percent go to Women-Owned Small
To be eligible to bid on a federal Businesses
proposing to furnish a product that it did • 3 percent go to Service-Disabled
not itself manufacture must furnish the contract, you must know your business.
Veteran-Owned Small Businesses
product of a small business Answer the following three questions: • 3 percent go to HUBZone Small
manufacturer unless the SBA has 1. Are you a small business? Businesses
granted either a waiver or exception to Is your small business: Federal agencies have a strong
• Organized for profit?
this requirement. In industries where incentive to fulfill these contracting
• Located in the U.S.?
the SBA finds that there are no small goals. You should apply for those SBA-
• Operated primarily within the U.S. or
business manufacturers, it may issue a making a significant contribution to Certified and Self-Certified programs for
waiver to the non-manufacturer rule. the U.S. economy through payment of which you qualify to take advantage of
Waivers permit small businesses to taxes or use of American products, contracting opportunities.
provide any domestic firm’s product. materials, or labor?
• Independently owned and operated?
• Not dominant in the field of operation Hubzone
in which it is bidding for government The HUBZone program helps small
Subcontracting opportunities are a
contracts? businesses located in distressed urban
great resource for small businesses,
• A sole proprietorship, partnership, and rural communities, known as
especially to those not ready to bid as Historically Underutilized Business
corporation, or any other legal form?
prime contractors. Experience gained If the first six criteria apply to your Zones, gain access to federal set-aside
from subcontracting with a federal prime business, ask yourself the second contracts and sole source contracts as
contractor can better prepare businesses important question to find out if your well as a price evaluation preference in
to bid for prime contracts. business meets size standard full and open contract competitions.
Current regulations stipulate for requirements. There is a statutory requirement that
contracts offering subcontracting 2. What is the size standard for your HUBZone small business concerns be
opportunities over $650,000 for goods business? awarded not less than 3 percent of the
and services, or $1.5 million for Size standards are used to determine total value of all prime contract awards.
construction, large business prime whether a business is small or “other . The HUBZone program also establishes
contractors must offer maximum than small”. Size standards vary preference for award of federal contracts
practicable subcontracting opportunities depending upon the industry. To to small businesses in these areas. To
to small businesses. Large business determine the size standard for your qualify for the program, a business
prime contractors must submit a business, you will need a NAICS code. (except tribally-owned concerns) must
subcontracting plan describing how they Every federal agency uses these codes meet the following criteria:
will successfully subcontract to small when considering your business. To • It must be a small business by SBA
businesses. determine your NAICS code, go to size standards
To find subcontracting opportunities, www.census.gov/eos/www/naics/ • It must be owned and controlled at
Some SBA programs require their least 51% by U.S. citizens, or a
a list of Federal prime contractors is
own unique size standards. To find out Community Development Corporation,
available through SBA’s Subcontracting an agricultural cooperative, or an
Directory at www.sba.gov and more about these requirements and
www.gsa.gov. Research the list of prime other size standard information, go to
• Its principal office must be located
contractors and determine which are www.sba.gov/size within a “Historically Underutilized
best suited for your business. Develop a 3. Do you fall under a specific Business Zone,” which includes lands
marketing strategy, and then contact the certification? considered “Indian Country” and
Small Business Liaison Officer listed for Under the umbrella of “small military facilities closed by the Base
each prime to schedule an appointment. business,” SBA has outlined several Realignment and Closure Act
specific certifications that businesses • At least 35% of its employees must
certiFicate oF competencY may fall under. These certifications are
divided into two categories:
reside in a HUBZone.
Existing businesses that choose to
program SBA-Certified and Self-Certified. move to qualified areas are eligible to
The Certificate of Competency The SBA-Certified Programs were apply for certification. To fulfill the
program allows a small business, that is created to assist specific businesses in requirement that 35 percent of a
the apparent successful offeror, to appeal securing federal contracts and therefore HUBZone firm’s employees reside in a
a contracting officer’s non-responsibility can only be issued by SBA HUBZone, employees must live in a
determination that it is unable to fulfill administrators. For the Self-Certified primary residence at a place for at least
the requirements of a specific Programs, you can determine for 180 days, or as a currently registered
government contract. The SBA will yourself if your business meets the voter, and with intent to live there
conduct a detailed review of the firm’s requirements by referring to the Federal indefinitely.
technical and financial capabilities to Acquisition Regulations (FAR).
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 33
SBA is responsible for: individuals are socially disadvantaged Businesses each year. Large prime
• Determining whether or not individual individuals whose ability to compete in contractors must also establish a
concerns are qualified HUBZone small the free-enterprise system has been subcontracting goal for Veteran-Owned
business concerns; impaired due to diminished capital and Small Businesses in their
• Maintaining a list of qualified credit opportunities as compared to
HUBZone small business concerns for
Subcontracting Plans. These
others in the same or similar line of subcontracting goals are reviewed at
use by acquisition agencies in
business who are not socially time of proposal by both the contracting
awarding contracts under the program;
• Adjudicating protests and appeals of disadvantaged. officer and SBA prior to the award of a
eligibility to receive HUBZone Firms owned by Alaska Native
contracts. Corporations, Indian Tribes, Native
The SDVOSB Protest is administered
For additional information, visit Hawaiian Organizations, and
Community Development Corporations by SBA to ensure that only businesses
www.sba.gov/hubzone. owned by service-disabled veterans
can also apply to the SBA for 8(a)
business development assistance. receive contracts reserved exclusively for
8(a) business Development So that approved firms can obtain them. When a business’s SDVOSB self-
program training, counseling, and business certification is challenged, SBA
The 8(a) Business Development development assistance, SBA designates determines if the business meets the
program is a nine year program a staff person at a local SBA District status, ownership, and control
established to assist eligible socially and Office, geographically near the business. requirements.
economically disadvantaged individuals SBA is responsible for To determine your eligibility, contact
develop and grow their businesses. • Determining whether a business your local veterans business
Business development assistance qualifies for the 8(a) Business development officer, visit the various
includes one-to-one counseling, training Development program
program websites, or contact SBA’s
workshops, and other management and • Determining whether a business
continues to qualify, during the nine- Office of Veterans Business
technical guidance. There is a statutory
year term. Development at www.sba.gov/vets.
requirement that small disadvantaged
• Approving Mentor/Protégé agreements For more information on certifications
business concerns be awarded not less
between 8(a) firms and large not described in depth here, refer to the
than 5 percent of the total value of all businesses.
prime contract awards. All firms that glossary of terms.
For additional information, visit
become eligible for SBA’s 8(a) business
development assistance are also Women-oWneD small
considered small disadvantaged business
concerns for federal contracting. To be sDb business FeDeral contract
eligible for the 8(a) Business An SDB (Small Disadvantaged program
Development program, a business must Business) is defined as a small business On October 7, 2010, the SBA
meet the following criteria: published a final rule effective February
that is at least 51 percent owned and
• It must be a small business by SBA 4, 2011, aimed at expanding federal
size standards; controlled by one or more individuals
• It must be owned (at least 51 percent) who are socially and economically contracting opportunities for women-
by one or more individuals who qualify disadvantaged. owned small businesses. The Women-
as socially and economically There is a federal-government wide Owned Small Business Federal Contract
disadvantaged, and who are US goal of awarding at least 5 percent of program authorizes contracting officers
citizens of good character; to set aside certain federal contracts to
prime contracting dollars to SDBs each
• It must be controlled, managed, and Women-owned firms. For additional
operated by one or more individuals year. Large prime contractors must also
establish a subcontracting goal for SDBs information, visit www.sba.gov/content/
who qualify as disadvantaged, and;
• It must demonstrate potential for in their Subcontracting Plans. contracting-opportunities-women-owned-
success (generally by being in business Firms self-certify as SDB for without small-businesses.
for at least two full years) before submitting any application to SBA,
applying. however firms approved by SBA into the
Socially disadvantaged individuals are 8(a) Business Development program are
those who have been subjected to racial
automatically certified as an SDB. To
or ethnic prejudice or cultural bias
self-certify, firms should update their
because of their identity as a member of
a group without regard to their CCR profiles and update their ORCA
individual capabilities. The following profiles, making sure that both profiles
individuals are presumed to be socially reflect their SDB status.
disadvantaged: Black Americans, Native
Americans, American Indians, Eskimos, sDvosb
Aleuts, or Native Hawaiians, Hispanic
The SDVOSB (Service-Disabled
Americans, Asian Pacific Americans, and
Veteran-Owned Small Business)
Subcontinent Asian Americans. An
individual who is not a member of one of program has a federal government-wide
these groups must establish individual goal of awarding at least 3 percent of
social disadvantage by a preponderance prime and subcontracting dollars to
of evidence. Economically disadvantaged Service-Disabled Veteran-Owned Small
34 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
HoW to get starteD 6. Register with the GSA Schedule
The GSA (Government Services
1. The 8(a) Business Development
Once you have identified the Administration) Multiple Award The 8(a) Business Development
important information regarding your Schedule (aka Federal Supply Program provides development support
business, it is time to start the process of Schedule) is used by GSA to establish to small businesses that are
procuring a government contract. Take long-term, government-wide contracts economically and/or socially
these necessary steps to begin the with commercial firms. Once these disadvantaged. To find out more, go to
bidding process: contracts are established, government www.sba.gov/8a.
1. Identify your DUNS (Data Universal agencies can order the supplies and 2. The Mentor Protégé Program
Numbering System) number services they need directly from the The Mentor Protégé Program
To register your business, obtain a firms through the use of an online encourages approved mentors to
DUNS number used to identify and shopping tool. Becoming a GSA provide various forms of business
track millions of businesses. You can schedule contractor increases your assistance to eligible 8(a) participants
obtain your free DUNS number when opportunity for contracts across all as protégés to improve their ability to
registering with the CCR (Central levels of government. Businesses compete in the public and private
Contractor Registration) at www.ccr.gov interested in becoming GSA schedule marketplaces successfully. To find out
or by contacting Dun & Bradstreet at contractors should review the more, go to www.sba.gov/mentor-protege.
information available at 3. Online Training Programs
2. Identify your EIN
www.gsa.gov/schedules. SBA’s Small Business Training
7. Make Sure Your Business is Financially Network is a virtual campus complete
(Employer Identification Number)
Sound with courses and programs to help the
An EIN, otherwise known as a federal
This critical step is absolutely small business owner. The free,
tax identification number, is generally
necessary to make sure that your 30-minute course, “Business
required of all businesses. For more
business is financially prepared for the Opportunities: A Guide to Winning
information, go to www.irs.gov.
journey ahead. Even if you are able to Federal Contracts,” is a good
3. Identify your NAICS and SIC codes
obtain a government contract, you will introduction for businesses looking to
The NAICS and SIC codes are used to
not be receiving all of the money at obtain a contract with the federal
classify the industry a particular
once. It helps to have a clear plan of government. To view this course,
business occupies. To register your
how your business will stage the among others, go to
business, supply at least one code.
benefits of the contract.
Refer to the Glossary for more www.sba.gov/training.
8. Search FedBizOpps for contracting 4. Online Podcasts
opportunities To make help even more accessible,
4. Register with the CCR
Federal Business Opportunities, or SBA has podcasts on a variety of topics
The CCR is an online government-
FedBizOpps, is an online service that will provide more specific
maintained database of companies
operated by the federal government information on SBA, government
wanting to do business with the
that announces available business contracting, and small businesses. To
federal government. Agencies search
opportunities. FedBizOpps helps access these podcasts, go to
the database for prospective vendors.
identify the needs of federal agencies www.sba.gov/training and select the
The CCR is at www.ccr.gov.
and available contracting topic you want to learn more about.
After completing registration, you will
opportunities. To begin searching for
be asked to enter your small business contracting opportunities, go to
5. Counseling Services
profile information through the SBA SBA has a variety of counseling
www.fbo.gov. services aimed at targeting the various
Supplemental Page. The information 9. Marketing Your Business
will be displayed in the Dynamic Small needs of small business owners. Some
Registering your business is not of the counseling services we offer are:
Business Search. enough to obtain a federal contract: o SBA district offices: These offices
Creating a profile in CCR and keeping you will need to market your business can provide general information
it current ensures your firm has access to attract federal agencies. Tips for about SBA and government
to federal contracting opportunities. good marketing are: contracts.
Entering your small business profile, o Determine which federal agencies o SBDCs (Small Business
including your business information and buy your product or service, and Development Centers): SBDCs
key word description, allows contracting get to know them provide management assistance to
officers, prime contractors, and buyers o Identify the contracting current and prospective small
from state and local governments to procedures of those agencies business owners in the form of
learn about your company. o Focus on opportunities in your both information and guidance.
5. Use ORCA niche and prioritize o WBCs (Women’s Business
Prospective contractors must complete Although not required, you may want Centers): WBCs exist to help
(electronically or through submission to obtain a PSC (Product Services Code) women entrepreneurs, especially
of paperwork), representations and and/or a FSC (Federal Supply women who are economically
certifications for small business size Classification). These codes provide and/or socially disadvantaged,
and program status as part of the additional information about the services start and grow their own business.
process that registers your business for and products your business offers. This is achieved through
federal contracting opportunities. To comprehensive training and
make this process easier for everyone counseling on a vast array of topics
involved, the government developed available resources in many languages.
ORCA (Online Representations and o SCORE - Counselors to America’s
SBA has a variety of services and
Certifications Application), where Small Business: One of SBA’s
resources that can provide you with resource partners, SCORE in a
generally, businesses can complete all
more information and coach you through non-profit organization dedicated
of the paperwork online. To begin this
process, first register your firm in the necessary steps to take in order to be to helping entrepreneurs and
CCR, then go to www.orca.bpn.gov. successful in your search for a small business start, grow, and
government contract. succeed nationwide.
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 35
o Office of Veterans Business
GLOSSARY OF TERMS
Development: The Office of
Veterans Business Development
aims at maximizing the 8(a): The 8(a) Business Development complete your registration, but be sure
availability, applicability, and Program assists eligible socially and to list as many as apply. You may also
usability of SBA programs for economically disadvantaged individuals add or change NAICS codes at any time.
Veterans, Service-Disabled develop and grow their business. There To find your NAICS code, visit
Veterans, Reserve Component is a federal government-wide goal of www.census.gov/eos/
Members, and their dependents or awarding at least 5 percent of www/naics/index.html.
survivors. contracting dollars to small
To find the locations of these offices, or disadvantaged businesses (SDBs); and Mentor Protégé Program: The SBA-
to learn more, go to firms approved into the 8(a) BD program sponsored Mentor Protégé Program is a
www.sba.gov/sba-direct. subset of the 8(a) Business Development
are automatically certified as an SDB.
6. Procurement Resources
Businesses that usually have been in program. Mentor firms are paired with
There are three main resources
available for procurement concerns: existence for at least two years may be protégé firms to provide managerial and
o PTACs (Procurement Technical eligible for the nine-year program that technical assistance to compete
Assistance Centers): PTACs includes counseling, training, and successfully for federal contracts. For
provide assistance to businesses potential federal procurement more information, go to
that want to sell products and opportunities. www.sba.gov/8a.
services to federal, state, and/or
local government. To find a PTAC CCR (Central Contractor Registration): Service-Disabled Veteran-Owned: The
in your state, go to The CCR is an online government- Service-Disabled Veteran-Owned Small
www.dla.mil/db/procurem.htm. maintained database of companies Business program is a subset of the
o PCRs (Procurement Center wanting to do business with the federal Veteran-Owned Small Business
Representatives) and CMRs program, and has a federal government-
government. Agencies search this
database for prospective vendors. To wide goal of awarding at least 3 percent
Representatives): PCRs work to
increase the small business share register with the CCR, go to of prime and subcontracting dollars to
of federal procurement awards. www.ccr.gov. Service-Disabled Veteran-Owned Small
CMRs offer many services to Businesses each year.
small businesses, including FAR (Federal Acquisition Regulations):
counseling on how to obtain The FAR is the book of official SIC (Standard Industrial Classification):
subcontracts. To find a PCR or acquisition regulations by which SIC codes are four-digit numbers that
CMR near you, go to government programs are defined and are used to classify the industry a
www.sba.gov/sba-direct. federal agencies determine the awarding particular business occupies. While
of contracts. To view the complete FAR, NAICS codes have largely replaced SIC
go to www.acquisition.gov/far. codes, you will still need to provide your
SIC code. SIC codes can be found at
Additional Online Resources GCBD (Government Contracting and www.osha.gov/pls/imis/sicsearch.html.
Business Development): The Office of
■ Department of Defense (The Government Contracting and Business Veteran-Owned: A veteran-owned small
DoD is the largest purchaser of Development is an office within SBA business is defined as one that is at least
that aims to enhance the effectiveness of 51 percent owned and controlled by one
goods from small businesses):
small business programs by developing or more veterans; or, in the case of any
policies, regulations, and statutory publicly owned business, at least 51
changes. Please refer to the official percent of the stock is owned by one or
■ Office of Federal Procurement website at www.sba.gov/contracting. more veterans and whose management
Policy: and daily business operations are
www.whitehouse.gov/omb/ HUBZone (Historically Underutilized controlled by one or more veterans. For
procurement Business Zone): HUBZones are SBA- more information, go to
designated geographic regions that have www.sba.gov/vets.
■ Acquisition Forecast: been historically underutilized. There is
www.acquisition.gov/comp/ a federal government-wide goal of Women-Owned: A woman-owned small
procurement_forecasts/index. awarding at least 3 percent of business is defined as one that is at least
html contracting dollars to small businesses 51 percent owned and controlled by one
in HUBZones. In order to be eligible for or more women; or, in the case of any
■ Federal Supply Schedule (FSS): the HUBZone program, businesses must publicly owned business, at least 51
www.gsa.gov have their headquarters located in a percent of the stock is owned by one or
HUBZone and 35 percent of their more women and whose management
employees must reside in a HUBZone. and daily business operations are
■ GSA Center for Acquisition
controlled by one or more women. There
Excellence: is a federal goal of awarding at least 5
NAICS (North American Industry
www.gsa.gov/portal/ Classification): NAICS codes are six-digit percent of contracting dollars to women-
content/103487 numbers that are used to classify the owned small businesses each year. For
industry a particular business occupies. more information, go to
You will need at least one NAICS code to www.sba.gov/wosb.
36 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
DISASTER RECOVERY &
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 www.sba.gov/disaster.
For small businesses, surviving a
disaster doesn’t begin with clearing the
debris and returning to work.
Surviving begins long before the
he disaster program is SBA’s injury disaster loans to small businesses, disaster strikes, or before active-duty
T largest direct loan program,
and the only SBA program for
entities other than small
businesses. SBA is
responsible for providing affordable,
timely and accessible financial assistance
to homeowners, renters, businesses of all
small agricultural cooperatives and
private nonprofit organizations of all
sizes. The loan limit for economic injury,
as a direct result of the disaster event, is
$2 million. These working capital loans
are intended to be made to entities
orders are received – with proper
planning. Your planning should include
insurance coverage, emergency power,
protection of company records, fire safety,
medical emergencies, taking care of your
employees and continuity planning – how
your business will continue during and
without credit elsewhere, as determined
sizes and private, nonprofit organizations by SBA, to help pay ordinary and after the emergency or disaster.
following declared disasters. By law, necessary operating expenses that would Starting is as easy as clicking on the
governmental units and agricultural have been payable barring the disaster SBA’s Web site at www.sba.gov/prepare.
enterprises are ineligible. The site includes a wealth of information
event. The limit for physical and EIDL
The SBA is authorized by the Small on the SBA’s disaster recovery programs
loans combined is $2 million.
Business Act to make two types of for homeowners, renters, businesses of
Military Reservists Economic Injury all sizes and private, nonprofit
Disaster Loans, a type of economic injury organizations. There are articles on
loan, are available for up to $2 million to emergency planning for disasters,
Physical Disaster Loans assist eligible small businesses meet
Physical Disaster Loans are the descriptions of SBA’s programs, and links
primary source of funding for permanent their ordinary and necessary operating to government and industry Web sites
rebuilding and replacement of uninsured expenses that they could have met, but with great planning information.
or underinsured disaster-caused are unable to meet, because an essential Additionally, to help small businesses
damages to privately-owned real and/or employee was “called up” to active duty with their preparedness planning, SBA
personal property. SBA’s physical in his/her role as a military reservist. has teamed up with Agility Recovery
disaster loans are available to These loans are intended to provide only Solutions to encourage small businesses
homeowners, renters, businesses of all the amount of working capital needed by to take the necessary steps to protect
sizes and private nonprofit organizations a small business to pay its necessary their employees, important records and
of all sizes. A homeowner may apply for a obligations as they mature until their business assets. SBA and Agility
loan of up to $200,000 to repair or operations return to normal after the have partnered to provide an educational
essential employee is released from tool for small business owners via the
replace the primary residence to its pre-
Prepare My Business Web site
disaster condition. Homeowners or active military duty.
renters may apply for a loan up to For all disaster loans, SBA can only As small businesses are leading
$40,000 to help repair or replace personal approve loans to applicants having a America’s economic recovery, many of
property, such as clothing, furniture or credit history acceptable to SBA and who them are investing time and money into
automobiles, lost in the disaster. also show the ability to repay the loans. their plans to grow and create jobs.
Businesses and private, nonprofit The terms of each loan are established in Developing a strong disaster
organizations of any size may apply for a accordance with each borrower’s ability preparedness plan should be a critical
loan up to $2 million (actual loan to repay. The law gives SBA several and integral piece of those efforts.
amounts are based on the amount of powerful tools to make disaster loans Planning for a disaster is the best way of
uncompensated damage) to repair or affordable: low-interest rates (around 4 limiting its effects.
replace real property, machinery, percent), long-terms (up to 30 years), and
equipment, fixtures, inventory and Other helpful sites include:
refinancing of prior liens (in some cases).
leasehold improvements. Department of Homeland Security
As required by law, the interest rate for
(DHS) and the Federal Emergency
each loan is based on SBA’s Management Agency (FEMA) -
Economic Injury Disaster Loans determination of whether each applicant
Economic injury disaster loans provide www.ready.gov
does or does not have credit available Red Cross Ready Rating Program -
the necessary working capital after a
elsewhere (the ability to borrow or use www.readyrating.org and www.redcross.org
declared disaster until normal operations
their own resources to overcome the
resume. The law restricts economic
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 37
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 www.sba.gov/ombudsman; or by mail at
409 Third Street S.W., Mail Code 2120,
inform policy makers about the ombuDsman 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 Ombudsman from the Web site above or
proposed regulations on small entities regarding federal regulatory call 888-REG-FAIR.
(including small businesses, small enforcement from small business
governmental jurisdictions and small
38 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
otHer sources oF CALIFORNIA COC
1332 N. Market
875 Orange Ave., Ste. 102
GREATER SAN DIEGO BUSINESS
assistance Sacramento, CA 95834
Coronado, CA 92118
P.O. Box 33848
San Diego, CA 92163
www.calchamber.com www.coronadochamber.com 619-296-4543
Chambers of Commerce www.gsdba.org
and Business CALIFORNIA DISABLED VETERAN
900 Rancho San Diego Pkwy.
Organizations BUSINESS ALLIANCE IMPERIAL BEACH COC
1611 S St., Ste. 102 El Cajon, CA 92019 700 Seacoast Dr., Ste. 103
Chambers of Commerce and local business 619-660-4226
organizations serve as a central location Sacramento, CA 95811 Imperial Beach, CA 91932
916-446-3510 www.gcccd.edu 619-424-3151
where the local small business community
may obtain information, publications and www.cadvbe.org DISABLED BUSINESSPERSONS www.IB-Chamber.com
contact information. ASSOCIATION
CALIFORNIA MANUFACTURING c/o SDSU - Interwork Institute INTERNATIONAL COC
ALPINE & MOUNTAIN EMPIRE COC TECHNOLOGY CONSULTING (CMTC) 3590 Camino del Rio N., Ste. 117 3838 43rd St.
2157 Alpine Blvd. 690 Knox St., Ste. 200 San Diego, CA 92108 San Diego, CA 92105
Alpine, CA 91901 Torrance, CA 90502 619-594-8805 888-999-3922 Toll Free
619-445-2722 800-300-CMTC (CA only) or www.disabledbusiness.com www.wticc.org/contact.asp
www.cmtc.com EAST COUNTY ECONOMIC DEVELOPMENT JULIAN COC
COUNCIL 2129 Main Street/P.O. Box 1866
ASIAN BUSINESS ASSOCIATION (ABA)
CARDIFF BY THE SEA COC 1870 Cordell Ct., Ste. 202 Julian, CA 92036
124 Aberdeen Dr./P.O. Box 552 El Cajon, CA 92020 760-765-1857
5675 Ruffin Rd., Ste. 305
Cardiff, CA 92007 619-258-3670 www.julianca.com
San Diego, CA 92123
www.abasd.org http://cardiffbythesea.org LAKESIDE COC
EL CENTRO COC
9924 Vine St.
1095 S. 4th St.
ASSOCIATED GENERAL CONTRACTORS CARLSBAD COC Lakeside, CA 92040
El Centro, CA 92243
OF AMERICA 5934 Priestly Dr. 619-561-1031
6212 Ferris Sq. Carlsbad, CA 92008 www.lakesideca.com
San Diego, CA 92121 760-931-8400
858-558-7444 www.carlsbad.org EMPLOYEE TRAINING INSTITUTE (ETI) LAWYER REFERRAL & INFORMATION
www.agcsd.org 4343 Ocean View Blvd., Bungalow F SERVICE OF SAN DIEGO COUNTY BAR
CENTRAL SAN DIEGO BLACK COC San Diego, CA 92113 ASSOCIATION
BAYVIEW COMMUNITY DEVELOPMENT 9921 Carmel Mountain Rd., #179 619-388-1250 1333 Seventh Ave. (mailing address only)
CORPORATION San Diego, CA 92129 www.trainwitheti.com San Diego, CA 92101
5532 El Cajon Blvd., Ste. 5 858-939-1849 619-231-8585
http://ccblackchamber.com ENCINITAS COC www.sdcba.org/LRIS
San Diego, CA 92115
527 Encinitas Blvd., Ste. 106
CHICANO FEDERATION OF Encinitas, CA 92024 MABUHAY ALLIANCE
SAN DIEGO COUNTY, INC. 760-753-6041 9580 Black Mountain Rd., Ste. A
3180 University Ave., Ste. 317 www.encinitaschamber.com San Diego, CA 92126
BETTER BUSINESS BUREAU
5050 Murphy Canyon Rd., Ste. 110 P.O. Box 40508 858-586-7382
San Diego, CA 92123 San Diego, CA 92164 http://mabuhayalliance.org
720 N. Broadway
Escondido, CA 92025
www.sandiego.bbb.org www.chicanofederation.org/ MEXICAN INTERNATIONAL COC AND
BLACK CONTRACTOR’S ASSOCIATION CHULA VISTA COC P.O. Box 4422
OF SAN DIEGO 233 Fourth Ave. FALLBROOK COC Rancho Del Rey, CA 91909-4422
6125 Imperial Ave. Chula Vista, CA 91910 233 E. Mission Rd. 619-463-9426
San Diego, CA 92114 619-420-6603 Fallbrook, CA 92028 http://mexchamber.com
619-263-9791 www.chulavistachamber.org 760-728-5845
www.bcasd.org www.fallbrookchamberofcommerce.org NATIONAL ASSN. OF PROFESSIONAL
CITY HEIGHTS BUSINESS ASSOCIATION ORGANIZERS - SAN DIEGO CHAPTER
BONSALL COC 4305 University Ave., Ste. 540 FILIPINO-AMERICAN COC P.O. Box 1824
5256 S. Mission Rd., Ste 311 San Diego, CA 92105 415 Laurel St./PMB #218 La Jolla, CA 92038
Bonsall, CA 92003 619-906-4443 San Diego, CA 92101 619-507-8301
760-630-1933 www.cityheightsba.org 619-702-8690 www.naposandiego.com
www.bonsallchamber.org www.faccsd.com NATIONAL ASSOCIATION FOR THE SELF
8950 Villa La Jolla Dr., Ste. A-124 EMPLOYED
BORREGO SPRINGS COC GOLDEN TRIANGLE COC P.O. Box 241
786 Palm Canyon Dr./P.O. Box 420 La Jolla, CA 92037 1011 Camino Del Mar #256
858-964-1300 Annapolis Junction, MD 20701-0241
Borrego Springs, CA 92004 Del Mar, CA 92014 800-649-6273
800-559-5524 www.connect.org 858-350-1253 www.nase.org
CONTACTING OPPORTUNITIES CENTER NATIONAL ASSOCIATION OF HISPANIC
BRAWLEY COC (COC) GREATER CLAIREMONT COC REAL ESTATE PROFESSIONALS – VISTA
204 S. Imperial Ave./P.O. Box 218 4007 Camino Del Rio S., Ste. 210 4203 Genesee Ave., Ste. 103-122 138 Escondido Ave., #207B
Brawley, CA 92227-0218 San Diego, CA 92108 San Diego, CA 92117 Vista, CA 92084
760-344-3160 619-285-7020 619-491-4444 760-803-4696
www.brawleychamber.com www.ptac-sandiego.org www.clairemontchamber.com www.nahrep.org
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 39
NATIONAL ASSOCIATION OF POWAY COC SAN DIEGO REGIONAL COC SOUTHEASTERN ECONOMIC
WOMEN IN CONSTRUCTION 13381 Poway Rd./P.O. Box 868 402 W. Broadway, Ste. 1000 DEVELOPMENT CORPORATION (SEDC)
P.O. Box 880725 Poway, CA 92074-0868 San Diego, CA 92101-3585 404 Euclid Ave., Ste. 221
San Diego, CA 92168 858-748-0016 619-544-1300 San Diego, CA 92114
619-462-3473 www.poway.com www.sdchamber.org 619-527-7345
RAMONA COC SAN DIEGO REGIONAL ECONOMIC
NATIONAL CITY COC 960 Main St. DEVELOPMENT CORPORATION SPRING VALLEY COC
901 National City Blvd. Ramona, CA 92065-1934 One-Stop Early Permitting Assistance 3322 Sweetwater Springs Blvd.
National City, CA 91950 760-789-1311 530 B St., 7th Fl. Ste. 202/P.O. Box 1211
619-477-9339 www.ramonachamber.com San Diego, CA 92101 Spring Valley, CA 91977
www.nationalcitychamber.org 619-234-8484 619-670-9902
SAN DIEGO COASTAL COC www.sandiegobusiness.org www.springvalleychamber.org
NATIONAL ELECTRICAL CONTRACTORS 1104 Camino del Mar, Ste. 1
ASSN. - SAN DIEGO CHAPTER Del Mar, CA 92014 SAN DIEGO UNIFIED PORT DISTRICT SWEDISH AMERICAN COC
9350 Waxie Wy., Ste. 540 858-755-4844 3165 Pacific Hwy. 9740 Scranton Rd,
San Diego, CA 92123 www.delmarchamber.org San Diego, CA 92101-1128 San Diego, CA, 92121
858-571-6322 619-686-6200 858-598 4809
www.necasandiego.org SAN DIEGO COUNTY HISPANIC COC www.portofsandiego.org http://sacc-sandiego.org
821 Kuhn Dr Suite 107
NATIONAL ASSOCIATION OF WOMEN Chula Vista, CA 91914 SAN DIEGO WOMEN'S NETWORK TIJUANA ECONOMIC DEVELOPMENT
BUSINESS OWNERS PO Box 131548 P.O. Box 882771 COUNCIL
SAN DIEGO CHAPTER (NAWBO-SD) San Diego, CA 92170 San Diego, CA 92168 4492 Camino de la Plaza, #PMBTJ-1053
P.O. Box 880263 858-268-0790 619-795-2224 San Diego, CA 92173 USA
San Diego, CA 92168 www.sdchcc.com www.sdwn.org (011-52) 664-681-8344
877-866-2926 1-888-TIJU-EDC (Toll Free in the U.S. and
www.nawbo-sd.org SAN DIEGO EAST COUNTY REGIONAL COC SAN DIEGO WORKFORCE PARTNERSHIP Canada)
201 S. Magnolia Ave. 3910 University Ave., Ste. 400 www.tijuana-edc.com
NATIONAL LATINA BUSINESS WOMEN El Cajon, CA 92020 San Diego, CA 92105
ASSOCIATION 619-440-6161 619-228-2900 URBAN LEAGUE OF SAN DIEGO COUNTY
SAN DIEGO (NLBWA-SD) www.eastcountychamber.org www.sandiegoatwork.com 720 Gateway Center Dr.
P.O. Box 876 San Diego, CA 92102
La Jolla, CA 92038 SAN DIEGO FOUNDATION SAN MARCO COC 619-266-6247
619-204-4048 (Grant Library) 904 W. San Marcos Blvd., Ste.10 http://www.sdul.org/
www.nlbwa-sd.com 2508 Historic Decatur Rd., Ste. 200 San Marcos, CA 92078
San Diego, CA 92106 760-744-1270 VALLEY CENTER COC
NATIONAL SOCIETY OF HISPANIC MBA’S 619-235-2300 sanmarcoschamber.com 27301 Valley Center Rd.
(NSHMBA) www.sdfoundation.org Valley Center, CA 92082
P.O. Box 880415 SAN YSIDRO COC 760-749-8483
San Diego, CA 92168-0415 SAN DIEGO FRENCH AMERICAN COC 663 E. San Ysidro Blvd. www.vcchamber.com
619-934-7470 964 Fifth Ave., Ste. 212 San Ysidro, CA 92173
www.nshmba.org/sandiego San Diego, CA 92101 619-428-1281 VISTA COC
619-544-1445 www.sanysidrochamber.org 201 Washington St.
NON-PROFIT MANAGEMENT SOLUTIONS www.france-sandiego.org Vista, CA 92084
8265 Vickers St. SANTEE COC 760-726-1122
San Diego, CA 92111 SAN DIEGO HOME LOAN COUNSELING 10315 Mission Gorge Rd. www.vistachamber.org
858-292-5702 AND EDUCATION CENTER Santee, CA 92071
www.npsolutions.org 3180 University Ave., Ste. 300 619-449-6572 WOMEN IN BUSINESS SAN DIEGO
San Diego, CA 92104-2045 www.santee-chamber.org P.O. Box 19034
OCEANSIDE COC 619-624-2330 San Diego, CA 92159
928 N. Coast Hwy. www.SDHomeLoan.org SOCIETY OF WOMEN ENGINEERS 619-645-8887
Oceanside, CA 92054 P.O. Box 881205 www.wibsd.org
760-722-1534 MANA DE SAN DIEGO San Diego, CA 92168
www.oceansidechamber.com 2515 Camino Del Rio S., Ste. 228 619-279-9523 WOMEN IN TECHNOLOGY INTL. -
San Diego, CA 92108 www.swesandiego.org SAN DIEGO
OLD TOWN SAN DIEGO COC 619-297-0115 P.O. Box 675461
2415 San Diego Ave., Ste. 107 www.manasd.org SOLANA BEACH COC Rancho Santa Fe, CA 92067
San Diego, CA 92110 210 West Plaza/P.O. Box 623 619-436-6465
619-291-4903 SAN DIEGO NORTH COC & Solana Beach, CA 92075 www.witi.com/sandiego
www.oldtownsandiego.org SAN DIEGO NORTH STUDENT COC 858-755-4775
11650 Iberia Pl., Ste. 220 www.solanabeachchamber.com WORLD TRADE CENTER
OTAY MESA COC San Diego, CA 92128 OF SAN DIEGO
9163 Siempre Viva Rd., Ste. I-2 858-487-1767 SOUTH COUNTY ECONOMIC 2980 Pacific Hwy.
Otay Mesa, CA 92154 www.sdncc.com DEVELOPMENT COUNCIL San Diego, CA 92101
619-661-6111 1111 Bay Blvd., Ste. E 619-615-0868
www.otaymesa.org SAN DIEGO PUBLIC LIBRARY Chula Vista, CA 91911 www.sdwtc.org
PENINSULA COC (DOWNTOWN) 619-424-5143
P.O. Box 6015 820 E St. www.sandiegosouth.com
San Diego, CA 92166-6015 San Diego, CA 92101
40 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
SBA PARTICIPATING BUSINESS LENDERS CIT SMALL BUSINESS LENDING COMPASS BANK INTERNATIONAL CITY BANK (P)
15 Lewis St. CORP. (P) 2850 E. Camelback Rd., Ste. 320 3939 Governor Drive
LENDERS Hartford, CT 06103 6965 El Camino Real, #105-556 Phoenix, AZ 85016 San Diego, CA 92122
ADVANTAGE CDC (504) 800-646-7689 ext. 235 Carlsbad, CA 92009 602-522-7536 858-455-0202
11 Golden Shore, Ste. 630 firstname.lastname@example.org 760-918-9810 email@example.com firstname.lastname@example.org
Long Beach, CA 90802 email@example.com
562-983-7450 CALIFORNIA BANK & TRUST DESERT COMMERCIAL BANK IRONSTONE BANK
firstname.lastname@example.org (P,E,PE,504) CITIBANK (P,504) 1599 W. Main St. 835 Pearl St.
4320 La Jolla Village Dr., Ste. 100 320 N. Harbor Blvd., Ste. A El Centro, CA 92243 La Jolla, CA 92037
BANCO POPULAR NORTH San Diego, CA 92122 Fullerton, CA 92832 760-339-6179 858-332-3924
AMERICA (P,E) 858-623-3632 800-627-3999 email@example.com firstname.lastname@example.org
888 Disneyland Dr. email@example.com firstname.lastname@example.org
Anaheim, CA 92802 858-623-3103 EAST WEST BANK JP MORGAN/CHASE BANK
714-864-5041 email@example.com CITY NATIONAL BANK (P,E,PE,504) 2090 Huntington Dr., 2nd Fl. 101 W. Broadway, Ste. 100
firstname.lastname@example.org 13500 Evening Creek Dr., Ste. 100 San Marino, CA. 91108 San Diego, CA 92101
CALIFORNIA COAST CREDIT UNION San Diego, CA 92128 626-979-5076 619-702-7255
BANK OF AMERICA (P,E) 9201 Spectrum Center Blvd. 858-875-2034 email@example.com. Joshua.firstname.lastname@example.org
450 B St., Ste. 680 San Diego, CA 92123 email@example.com
San Diego, CA 92101 858-636-3446 EMBARCADERO BANK LANDMARK CDC
619-515-5964 or local branch firstname.lastname@example.org COMERICA BANK (P) 110 West A St., Ste. 1000 441 E. Whittier Blvd., Ste. C
email@example.com 611 Anton Blvd., 2nd Fl. San Diego, CA 92101 La Habra, CA 90631
BANK OF INTERNET CALIFORNIA COMMUNITY BANK Costa Mesa, CA 92626 619-814-1749 562-690-6400
12777 High Bluff Drive, Ste. 100 1320 W. Valley Pkwy., Ste. 301 800-777-7556 or 714-424-3838 firstname.lastname@example.org email@example.com
San Diego, CA 92130 Escondido, CA 92029 firstname.lastname@example.org
858-350-6200 ext. 1100 760-888-1013 EXCEL NATIONAL BANK (P) MANUFACTURERS BANK (P)
Morgan.Ferris@bankofinternet.com email@example.com COMMERCE BANK OF TEMECULA 9701 Wilshire Blvd. 701 B St., Ste. 336
VALLEY Beverly Hills, CA 90212 San Diego, CA 92101
BANK OF THE WEST (P,E) CALIFORNIA STATEWIDE CDC 25220 Hancock Ave., Ste. 140 858-312-6083 619-544-3011 or 888-307-1543
8690 Center Dr. (504) Murrieta, CA 92562 firstname.lastname@example.org email@example.com
La Mesa, CA 92942 12526 High Bluff Drive, Ste.300 951-973-7412 619-846-2857
760-807-4182 San Diego, CA 92130 firstname.lastname@example.org email@example.com MISSION OAKS NATIONAL BANK
firstname.lastname@example.org 714-272-2629 (P)
Chris.email@example.com COMMERCE NATIONAL BANK FIRST BANK (P,E,PE,504) 41530 Enterprise Circle South
BANK OF SOUTHERN CALIFORNIA 300 N. Lake Ave., Ste. 425 (P,504) 750 B St., Ste. 2505 Temecula, CA 92590
(P) Pasadena, CA 91101 4040 MacArthur Blvd., Ste. 100 San Diego, CA 92101 951-719-1235
12265 El Camino Real, Ste.100 800-982-9192 Newport Beach, CA 92660 619-515-2250 firstname.lastname@example.org
San Diego, CA 92130 email@example.com 949-474-5209 firstname.lastname@example.org
858-847-4786 email@example.com MUTUAL OF OMAHA BANK
firstname.lastname@example.org CAPITAL ACCESS GROUP (P,504) FIRST CITIZENS BANK 3580 Carmel Mountain Rd.,
150 California St., Ste. 250 COMMERCEWEST BANK (P,E) 6088 Innovation Way Ste. 160
BEACH BUSINESS BANK (P,E) San Francisco, CA 94111 2111 Business Center Dr. Carlsbad, CA 92009 San Diego, CA 92130
180 E. Ocean Blvd., Ste. 100 415-217-7600 ext. 104 Irvine, CA 92612 760-730-4520 858-369-3122
Long Beach, CA 90802 email@example.com 949-251-6959 ext. 7246 firstname.lastname@example.org Butch.email@example.com
firstname.lastname@example.org CAPITAL BANK (P,E) FIRST NATIONAL BANK OF NATIONAL BANK OF CALIFORNIA
866-862-3878 31351 Rancho Viejo Rd., Ste. 101 COMMONWEALTH BUSINESS SOUTHERN CALIFORNIA (P,E) (P,E)
email@example.com San Juan Capistrano, CA 92675 BANK (P) 1110 San Marino Dr. 12121 Wilshire Blvd.
949-373-7311 1001 S. Towne Ave., Ste. 201 San Marcos, CA 92078 Brentwood, CA 90025
BORREGO SPRINGS BANK (P,504) firstname.lastname@example.org Los Angeles, CA 90021 760-481-7265 323-655-6001 ext. 210
7777 Alvarado Rd., Ste. 501 213-808-5002 email@example.com firstname.lastname@example.org
La Mesa, CA 91941 CDC SMALL BUSINESS FINANCE email@example.com
619-668-5150 ext. 202 (504,MICRO) GATEWAY BUSINESS BANK (P,E) NAVY FEDERAL CREDIT UNION
firstname.lastname@example.org 2448 Historic Decatur Rd., Ste. 200 COMMUNITY SOUTH BANK (P) 18000 Studebaker Rd., Ste. 550 (P,E)
San Diego, CA 92106 7673 Yule Court Cerritos, CA 90703 9660 Mission Gorge Rd.
BRIDGE BANK (P) 619-291-3594 Arvada, CO 80007 562-403-6101 Santee, CA 92071
525 University Ave., Ste. 31 email@example.com 303-292-9280 firstname.lastname@example.org 619-840-5617
Palo Alto, CA 94301 email@example.com ckaffenberger@communitysouth Monica_Harvey@navyfederal.org
650-462-8522 619-243-8639 Micro Loans lending.com GE REAL ESTATE (504)
firstname.lastname@example.org email@example.com (Commercial Real Estate Only) NEIGHBORHOOD NATIONAL BANK
COMMUNITY VALLEY BANK 888-335-4372 (P,E)
BUSINESS COMMUNITY CAPITAL CENTER BANK (P,PE) 300 S. Imperial Ave., Ste. 14 firstname.lastname@example.org 1717 Sweetwater Rd., Ste. B
(P) 253 N. Western Ave. El Centro, CA 92243 National City, CA 91950
A Division of Fullerton Community Los Angeles, CA 90004 760-335-4720 HAMNI BANK (P) 619-789-4418
Bank 213-637-9622 email@example.com 4637 Convoy St. firstname.lastname@example.org
505 S. Villa Real 101A email@example.com San Diego, CA 92111 firstname.lastname@example.org
Anaheim Hills, CA 92807 213-637-9631 COMMUNITY WEST BANK (P,E,PE) 858-467-4804
877-774-4722 email@example.com 3001 Douglas Blvd., Ste. 230 firstname.lastname@example.org ONEWEST BANK, FSB
714-283-9001 Direct Roseville, CA 95661 390 W. Valley Pkwy.
714-813-0142 Cell 916-780-5512 ext. 102 Escondido, CA 92025
email@example.com firstname.lastname@example.org 760-432-5161
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 41
ORANGE COUNTY BUSINESS RABOBANK (P,E) SECURITY BUSINESS BANK (P,E,PE) STELLAR BUSINESS BANK WELLS FARBO BANK (P,E)
BANK (P,E) 1498 W. Main St. 12770 High Bluff Drive, Ste. 180 100 N. Azusa Ave. 500 La Terraza Blvd., Ste. 200
4675 MacAuthur Ct., Ste. 100 El Centro, CA 92243 San Diego, CA 92130 Covina, CA 91722 Escondido, CA 92025
Newport Beach, CA 92660 760-337-3233 619-794-2830 626- 214-1762 760-432-5319
949-221-0001 email@example.com firstname.lastname@example.org email@example.com firstname.lastname@example.org
REGENTS BANK SUN COMMUNITY FEDERAL WELLS FARGO BANK - SBA
PACIFIC ALLIANCE BANK (P) 1921 Palomar Oaks Way, Ste. 100 SILVERGATE BANK (504) CREDIT UNION LENDING (P,E,504, PE)
(E – LA only) Carlsbad, CA 92008 4275 Executive Sq., Ste. 800 1068 Broadway 444 Escondido Blvd., 1st Fl.
8400 E. Valley Blvd. 760-931-5140 La Jolla, CA 92037-1492 El Centro, CA 92243 Escondido, CA 92025-4814
Rosemead, CA 91770 email@example.com 858-362-6315 760-336-8672 760-432-5319
626-773-8888 firstname.lastname@example.org email@example.com firstname.lastname@example.org
PACIFIC MERCANTILE BANK (P) RESOURCE CAPITAL, INC. (504)
3257 E. Guasti Rd., Ste. 110 16776 Bernardo Center Dr., SMALL BUSINESS CAPITAL SUNRISE BANK (P,E,PE) WILSHIRE STATE BANK (P,E)
Ontario, CA 91761 Ste. 203 858-229-7448 4445 Eastgate Mall, Ste. 110 888-972-5363
909-937-7273 or San Diego, CA 92128 email@example.com San Diego, CA 92121
866-298-4005 Toll Free 858-605-2865 858-625-8860 ext. 103 ZIONS NATIONAL REAL ESTATE
firstname.lastname@example.org email@example.com SOUTHLAND EDC (504) firstname.lastname@example.org 120 Birmingham Dr., Ste. 220B
9663 Tierra Grande, Ste. 102 Cardiff, CA 92007
PACIFIC WESTERN BANK (P) SAEHAN BANK (P,E) San Diego, CA 92126 SUNWEST BANK (P,E,PE) 760-579-1758
401 West A St., Ste. 200 550 S. Western Ave. 858-578-1504 ext. 221 17542 East 17th St., #200 email@example.com
San Diego, CA 92101 Los Angeles, CA 90020 firstname.lastname@example.org Tustin, CA 92780
760-432-1234 213-637-4980 714-612-3212 Venture Capital
email@example.com firstname.lastname@example.org STEARNS BANK, N.A. (P,E,PE,504) email@example.com www.sba.gov/content/all-sbic-
4191 2nd St. S. licensees-state
POINT LOMA CREDIT UNION
SEACOAST COMMERCE BANK St. Cloud, MN 56301 SURF CITY BANK
9420 Farnham St.
(P,E) 800-320-7262 7755 Center Ave., Ste. 100 CELERITY PARTNERS
San Diego, CA 92123-1321
700 La Terreza Blvd., Ste.110 firstname.lastname@example.org Huntington Beach, CA 92647 11111 Santa Monica Blvd., Ste. 1127
Escondido, CA 92025 714-612-3212 Los Angeles, CA 90025
760-753-7300 email@example.com 310-268-1710
TMC DEVELOPMENT (504)
335 Sherwood St. HAMILTON BIOVENTURES
Redlands, CA 92373 990 Highland Dr., #314
213-612-7787 Solana Beach, CA 92075
TORREY PINES BANK
12220 El Camino Real, Ste. 100 HUNTINGTON CAPITAL
San Diego, CA 92103 4660 La Jolla Village Dr., Ste. 650
858-523-4656 La Jolla, CA 92122
U.S. BANK (P,E,PE)
9818 Hibert St., Ste. 101 SHEPHERD VENTURES
San Diego, CA 92131 12250 El Camino Real, Ste. 116
858-530-9513 or San Diego, CA 92130
760-604-3613 (cell) 858-509-4744
760-271-0676 (cell) P - Preferred Lenders
Chris.firstname.lastname@example.org E - SBA Express Lenders
PE – Patriot Express
UNION BANK (P,E,504) 504 - 504 Lender
1475 E. Los Angeles Ave.
Simi Valley, CA 93065 Non-SBA Financing
ACCION SAN DIEGO
UNITI BANK (P) 404 Euclid Ave., Ste. 271
6301 Beach Blvd., Ste. 100 San Diego, CA 92114
Buena Park, CA 90621 619-795-7250
ACCION is a non-profit
VIBRA BANK organization providing small
530 Broadway business loans between $300 and
Chula Vista, CA 91910 $35,000.
42 — Small Business Resource SAN DIEGO Visit us online: www.sba.gov/ca/sandiego
Searching for the
Stars of Small Business
HELp US IdENtIfy tHE StArS of
National Small Business Week is a time when small business owners and business leaders are
recognized for their contributions to the American economy and our society.
SMALL BUSINESS PERSON AWARDS*
STATE SMALL BUSINESS PERSON OF THE YEAR
* The National Small Business Person of the Year is selected from the state winners
** Presented only at the national level.
SMALL BUSINESS CHAMPION AWARDS
FINANCIAL SERVICES CHAMPION OF THE YEAR VETERAN- OWNED SMALL BUSINESS OF THE YEAR
HOME-BASED BUSINESS CHAMPION OF THE YEAR VETERAN SMALL BUSINESS CHAMPION OF THE YEAR
MINORITY SMALL BUSINESS CHAMPION OF THE YEAR WOMEN IN BUSINESS CHAMPION OF THE YEAR
SBA YOUNG ENTREPRENEUR OF THE YEAR SBA FAMILY- OWNED SMALL BUSINESS OF THE YEAR
SMALL BUSINESS EXPORTER OF THE YEAR WOMEN- OWNED SMALL BUSINESS OF THE YEAR
MINORITY- OWNED SMALL BUSINESS OF THE YEAR
2011 SBA Small Business Award Winners
Small Business Person of the Year Women-Owned Small Business of Women in Business Champion of the Veteran-Owned Small Business of the
Cindy Erie the Year Year Year
E-World Anita Nichols Nancy Kev Kutina
Recyclers Mom’s Inc. Fredericks Kevcon, Inc.
Nominator: (Mom’s Pies) Sales Link Nominator:
Joe Molina Nominator: Nominator: Jeni Burgess,
San Diego Kay Weeks Ken Clark, Wells Fargo Bank
North Small Rabobank, NA Southwestern
Business Development Center College Small Business Dev. Center &
MiraCosta College Ctr. for International Trade Dev.
Financial Services Champion of the Year Minority Small Business Champion of the Year Minority-Owned Small Business of the Year
Gabriel Reyes Bernard Johnson Moninder S. Birdi
Southwestern College Small The Bernard Johnson Group, Inc. Birdi and Associates, Inc.
Business Development Center & Nominator: Ken Clark, Nominator: Terry Johnson
Center for International Trade Southwestern College Small San Diego Airport Authority
Development Business Development Center &
Nominator: Ken Clark, Center for International Trade
Southwestern College Small Dev.
Business Dev. Ctr. & Ctr. for
International Trade Dev.
For information about 2012 nominations contact
Cynthia Harris (619) 727-4884 or Cynthia.Harris@sba.gov
Visit us online: www.sba.gov/ca/sandiego SAN DIEGO Small Business Resource — 43