NORTH FLORIDA SBA - The SBA: Streamlining and Simplifying potx

BUSINESS RESOURCE RESOURCE SMALL SMALL NORTH FLORIDA www.SBA.gov • connect with us @ facebook.com/SBAgov twitter.com/sbagov youtube.com/sba The SBA: Streamlining and Simplifying page 38 Counseling Capital Contracting PAGE 8 PAGE 20 PAGE 39 39 PAGE 20 PAGE PAGE SMALL BUSINESS content 2012-2013 NORTH FLORIDA Advertising Phone: 863-294-2812 • 800-274-2812 Fax: 863-299-3909 • www.sbaguides.com Staff President/CEO Joe Jensen jjensen@reni.net English/Spanish Small Business Resource Advertising Nicky Roberts nroberts@reni.net Martha Theriault mtheriault@reni.net Kenna Rogers krogers@reni.net Production Diane Traylor dtraylor@reni.net SBA’s Marketing Office: The Small Business Resource Guide is published under the direction of SBA’s Office of Marketing and Customer Service. Director of Marketing Paula Panissidi paula.panissidi@sba.gov Editor Ramona Fortanbary ramona.fortanbary@sba.gov 202-619-0379 Graphic Design Gary Shellehamer gary.shellehamer@sba.gov SBA’s participation in this publication is not an endorsement of the views, opinions, products or services of the contractor or any advertiser or other participant appearing herein. All SBA programs and services are extended to the public on a nondiscriminatory basis. Printed in the United States of America While every reasonable effort has been made to ensure that the information contained herein is accurate as of the date of publication, the information is subject to change without notice. The contractor that publishes this guide, the federal government, or agents thereof shall not be held liable for any damages arising from the use of or reliance on the information contained in this publication. SBA Publication # MCS-0018 This publication is provided under SBA Contract # SBAHQ05C0014. R eni Publishing Publishers of Small Business Resource FEATURES 4 From the Administrator 4 Administrator’s Message 5 Regional Administrator’s Letter 6 Director’s Letter 8 Counseling Getting Help to Start Up, Market and Manage Your Business 8 SBA Resource Partners 14 SBA’s Online Tools and Training 16 Reaching Underserved Communities 18 Are You Right for Small Business Ownership? 19 Writing a Business Plan 20 Capital Financing Options to Start or Grow Your Business 20 SBA Business Loans 21 What to Take to the Lender 27 Small Business Investment Company Program 27 Small Business Innovation Research Program 28 Small Business Technology Transfer Program 28 Surety Bond Guarantee Program 31 Lender Listing 35 SBA Loan Program Chart 37 SBA Lenders Program Chart 38 Feature Article The SBA: Streamlining and Simplifying 39 Contracting Applying for Government Contracts 39 How Government Contracting Works 40 SBA Contracting Programs 43 Getting Started in Contracting 44 Disaster Assistance Getting Back on Your Feet After a Disaster 45 Advocacy and Ombudsman Watching Out for Small Business Interests 46 Additional Resources Taking Care of Start Up Logistics 49 Business Organization: Choosing your Structure 50 Other Assistance Visit us online: www.sba.gov/fl/north 2 — Small Business Resource North Florida On the Cover: Erica Nelson, a quality control analyst with Asheville, N.C based Highland Brewing Company, at work in the firm’s brewing production facility. [...]... funded by these organizations, and they make the decisions to approve or not approve the applicants’ requests The SBA guaranty reduces the lender’s risk of borrower non-payment If the borrower defaults, the lender can request the SBA to pay the lender that percentage of the outstanding balance guaranteed by the SBA This allows the lender to recover a portion from the SBA of what it lent if the borrower... 525 111 E Las Olas Blvd Ft Lauderdale, FL 3330 1-2 206 95 4-7 6 2-5 235 • 95 4-7 6 2-5 144 Fax SBDC E-mail: sbdc-broward@floridasbdc.org www.browardsbdc.org SBDC Miami-Dade Carlos Cardenas, Regional Director 8500 S.W 8th St., Ste 224 Miami, FL 3314 4-4 002 30 5-2 6 1-1 638 • 30 5-2 6 4-3 567 Fax SBDC E-mail: sbdc-miami@floridasbdc.org www.floridasbdc.org/miami-dade SBDC at Florida Keys Community College Greg Baumann, Certified... Augustine, FL 3208 4-8 637 90 4-2 0 9-1 295 •  90 4-6 2 0-2 567 Fax SBDC E-mail: m.cirillo@unf.edu www.sbdc.unf.edu SBDC at the University of North Florida Mike Orlito, Certified Business Analyst 3495 S Suncoast Blvd c/o Citrus County CoC, Ste 103 Homosassa, FL 3444 8-2 329 86 6-9 9 8-8 332 • 35 2-6 2 8-1 286 Fax SBDC E-mail: mdo-sbdc@atlantic.net www.sbdc.unf.edu Visit us online: www .sba. gov/fl /north North Florida Small Business... 3474 8-5 143 35 2-3 1 5-1 846 • 35 2-3 2 3-8 156 Fax www.sbdcorlando.com SBDC at the University of South Florida Eileen Rodriguez, Regional Director 1101 Channelside Dr., Ste 210 Tampa, FL 3360 2-3 613 81 3-9 0 5-5 800 • 81 3-9 0 5-5 801 Fax SBDC E-mail: sbdc@usf.edu www.SBDCtampabay.com SBDC at the University of South Florida Dr Cynthia Johnson, Center Director 13805 58th St N., Ste 1-2 00 Clearwater, FL 3376 0-3 716 72 7-4 5 3-7 200... Hawthorne Rd., Unit 12 Gainesville, FL 3264 1-7 577 35 2-3 3 4-7 230 • 35 2-3 3 4-7 233 Fax SBDC E-mail: sbdcgnv@atlantic.net www.sbdc.unf.edu SBDC at the University of North Florida Dr Philip Geist, Area Director/CBA 3405 S.W College Rd., Ste 201 Ocala, FL 3447 4-8 464 86 6-9 9 8-8 332 • 35 2-3 5 1-1 031 Fax SBDC E-mail: sbdcoca@atlantic.net www.sbdc.unf.edu SBDC at the University of North Florida Marge Cirillo, Certified Business... Gretna, FL 3233 2-4 021 85 0-5 6 1-2 036 • 85 0-8 5 6-9 454 Fax SBDC E-mail: aundra.mcglockton@famu.edu www.SBDCFAMU.org SBDC at the University of North Florida Janice Donaldson, Regional Director Coggin College of Business University Center, 12000 Alumni Dr Jacksonville, FL 3222 4-2 677 90 4-6 2 0-2 476 • 90 4-6 2 0-2 567 Fax SBDC E-mail: smallbiz@unf.edu www.sbdc.unf.edu *SBDC at the University of North Florida Patrick... yourself with the SBA s business loan programs to see if they may be a viable option Keep in mind the dollar amount you seek to borrow and how you want to use the loan proceeds The three principal 20 — Small Business Resource North Florida players in most of these programs are the applicant small business, the lender and the SBA The agency guarantees a portion of the loan (except for microloans) The business... Tallahassee, FL 3231 0-3 700 85 0-5 9 9-3 407 • 85 0-5 6 1-2 049 Fax SBDC E-mail: thomas.bowers@famu.edu www.SBDCFAMU.org SBDC at the University of Central Florida COUNSELING Joseph Roy, Area Manager 160 Cypress Point Pkwy., Ste B105 Palm Coast, FL 3216 4-8 436 38 6-9 8 6-4 765 • 38 6-9 8 6-2 590 Fax SBDC E-mail: jroy@bus.ucf.edu www.sbdcorlando.com SBDC at the University of Central Florida Rafael Martinez-Pratts, Area Manager... documents before the lender sends the request for guaranty to the SBA Applicants who feel they need more help with the process should contact their local SBA district office or one of the SBA s resource partners for assistance There are several ways a lender can apply for a 7(a) guaranty from the SBA The main differences between these methods are related to the documentation the lender provides, the amount... bquiri@ccisurety.com 29445 Beck Rd., Ste A-209 Wixom, MN 48393 24 8-3 4 9-6 227 • 24 8-3 4 8-6 762 Fax 20335 Ventura Blvd., Ste 426A Woodland Hills, CA 91364 81 8-3 4 8-4 900 or 81 8-6 6 7-7 656 86 6-3 0 9-9 237 Fax 200 S Harbor City Blvd Melbourn FL 32901 32 1-7 2 2-1 723 johnp@cbic.com marybeth.kostyk@rlicorp.com ritam@cbic.com Contractors Service, Inc 3 Talbott Ave., Ste 202A Timonium, MD 21093 41 0-4 5 3-0 925 • 41 0-4 5 3-0 928 Fax jfjcsi@aol.com . BUSINESS RESOURCE RESOURCE SMALL SMALL NORTH FLORIDA www .SBA. gov • connect with us @ facebook.com/SBAgov twitter.com/sbagov youtube.com /sba The SBA: Streamlining and Simplifying page. Center at the University of North Florida. THE NORTH FLORIDA DISTRICT OFFICE The North Florida District Ofce is responsible for the delivery of SBA s many