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BUSINESS
RESOURCE
RESOURCE
SMALL
SMALL
NEW
MEXICO
www.SBA.gov • connect with us @ facebook.com/SBAgov twitter.com/sbagov youtube.com/sba
The SBA:
Streamlining
and Simplifying
page 35
Counseling
Capital
Contracting
PAGE
8
PAGE
20
PAGE
36
SMALL BUSINESS
content
2013 NEW MEXICO
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
5 From the Regional
Administrator
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
15 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
22 What to Take to the Lender
28 Small Business Investment
Company Program
29 Small Business Innovation
Research Program
30 Small Business Technology
Transfer Program
30 Surety Bond Guarantee
Program
32 SBA Loan Program Chart
34 SBA Lenders Program Chart
35 Feature Article
TheSBA:StreamliningandSimplifying
36 Contracting
Applying for Government
Contracts
36 How Government Contracting
Works
37 SBA Contracting Programs
41 Getting Started in Contracting
42 Disaster Assistance
Getting Back on Your Feet After a
Disaster
43 Advocacy and Ombudsman
Watching Out for Small Business
Interests
44 Additional Resources
Taking Care of Start Up Logistics
48 Business Organization:
Choosing your Structure
49 Other Assistance
53 Lender Listing
Visit us online: www.sba.gov/nm
2 — Small Business Resource NEW MEXICO
On the Cover:
Welder Scott Belden at work at
the manufacturing facility of his
employer, Tulsa, Okla based
Economasters, LLC.
[...]... 87106 50 5-2 2 4-5 250 • 50 5-2 2 4-5 256 Fax Bernalillo SBDC Office UNM-Los Alamos - Sandoval County Ted Trujillo, Director 282 Camino del Pueblo, Ste 2-A Bernalillo, NM 87004 50 5-8 6 7-5 066 • 50 5-8 6 7-3 746 Fax Visit us online: www.sba.gov/nm one-on-one counseling for businesses seeking assistance in meeting their international trade objectives The International Business Accelerator is part of theNew Mexico. .. 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... Resource NEWMEXICO NABEC NewMexico Native American Business Enterprise Center (NABEC) Theodore Pedro, Project Director 2401 12th St N.W., Ste 5-South Albuquerque, NM 87104 50 5-2 4 3-6 775 • 50 5-7 6 6-9 499 Fax tedpedro@nmnabec.org www.nmnabec.org The NMNABEC goal is geared toward the formation and survival of new and existing businesses The NMNABEC assists individuals, sole –proprietors, corporations and Tribal... NM 87104 50 5-2 4 3-6 775 • 50 5-7 6 6-9 499 Fax tedpedro@nmnabec.org www.nmnabec.org NEWMEXICO Small Business Resource — COUNSELING Faith-Based and Neighborhood Partnerships know their communities, and they have earned the community’s trust Because of their credibility, they are uniquely positioned to build awareness of programs that encourage entrepreneurship, economic growth and job creation The SBA is... 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 players in most of these programs are the applicant small business, the 20 — Small Business Resource NEWMEXICO lender and the SBA The agency guarantees a portion of the loan (except for microloans) The business... E Idaho, Ste A Las Cruces, NM 88011 57 5-5 4 1-1 583 • 57 5-6 4 7-5 524 Fax WESST – Rio Rancho Stacy Sacco, Regional Manager 4001 Southern Blvd S.E., Ste B Rio Rancho, NM 8712 4-2 069 (Same building as NewMexico Bank & Trust) 50 5-8 9 2-1 238 • 50 5-8 9 2-6 157 Fax WESST – Roswell Anthony Urquidez, Regional Manager 500 N Main St., Ste 700 Roswell, NM 88201 57 5-6 2 4-9 850 • 57 5-6 2 4-9 845 Fax continued from page 7 Rick is... 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 of review the SBA conducts, the amount of the loan and the lender responsibilities in case the loan... opportunities The IBA also leads outgoing and reverse trade missions of foreign buyers and sellers for the benefit of NewMexico companies IBA’s team of trade experts offers one-on-one counseling for businesses seeking assistance in meeting their international trade objectives The IBA is part of theNew Mexico Small Business Development Center Network and is administered through Western NewMexico University... price and other factors generally wins the contract Types of Contracts Firm fixed-price contracts place the full responsibility for the costs and risk of loss on the contractor Firm fixed-price contracts do not permit any adjustment on the basis of the contractor’s costs during the performance of the contract It provides maximum incentive for the contractor to control costs and perform effectively and. .. training and 6) mentorship VBOCs aid clients in assessing their entrepreneurial needs and requirements, in developing and maintaining five-year business plans, and in evaluating and identifying the strengths and weaknesses in their business plans to increase the probability of success while simultaneously using the analysis to revise the strategic planning section of their business plans Working with other . 87020
50 5-2 8 7-8 221 • 50 5-2 8 7-2 125 Fax
Hobbs SBDC
New Mexico Junior College
Brandon Hunt, Director
1 Thunderbird Circle
Hobbs, NM 88240
57 5-4 9 2-4 700 • 57 5-4 9 2-4 704.
CONTACTING THE NEW MEXICO
DISTRICT OFFICE
For program and service information,
please contact the Marketing Division
at 50 5-2 4 8-8 233 or 50 5-2 4 8-8 225.
For