WISCONSIN - The SBA: Streamlining and Simplifying pptx

BUSINESS RESOURCE RESOURCE SMALL SMALL WISCONSIN www.SBA.gov • connect with us @ facebook.com/SBAgov twitter.com/sbagov youtube.com/sba The SBA: Streamlining and Simplifying page 39 Counseling Capital Contracting PAGE 10 PAGE 20 PAGE 40 40 PAGE 20 PAGE PAGE 10 SMALL BUSINESS content 2012-2013 WISCONSIN 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 Introduction 4 Administrator’s Message 6 Regional Administrators Letter 8 Director’s Letter 10 Counseling Getting Help to Start Up, Market and Manage Your Business 10 SBA Resource Partners 15 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 23 Lender Listing 33 Small Business Investment Company Program 33 Small Business Innovation Research Program 33 Small Business Technology Transfer Program 34 Surety Bond Guarantee Program 36 SBA Loan Program Chart 38 SBA Lenders Program Chart 39 Feature Article The SBA: Streamlining and Simplifying 40 Contracting Applying for Government Contracts 40 How Government Contracting Works 41 SBA Contracting Programs 44 Getting Started in Contracting 47 Disaster Assistance Getting Back on Your Feet After a Disaster 48 Advocacy and Ombudsman Watching Out for Small Business Interests 49 Additional Resources Taking Care of Start Up Logistics 52 Business Organization: Choosing your Structure 54 Other Assistance Visit us online: www.sba.gov/wi 2 — Small Business Resource WISCONSIN 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. [...]... 71 5-8 5 2-2 306 92 0-4 9 0-7 600 • 92 0-4 9 0-0 930 F Paul Kohler 71 5-8 3 1-2 194 Rick Lehman 71 5-8 3 1-2 197 Baylake Bank, Sturgeon Bay PLP, Kim Novotney 71 5-8 3 0-5 142 SBAExp David Pokrandt 71 5-8 3 2-4 254 www.baylake.com Troy Werk 71 5-8 3 1-2 195 Jamie Alberts 92 0-4 3 1-3 690 Jay Brettingen 71 5-8 3 0-5 140 Keith Appleton 92 0-4 3 1-3 686 Bud Brown 71 5-2 5 6-0 050 Choice Bank, Oshkosh ext 4254 SBAExp, PatriotExp Dave Englebert 92 0-4 3 0-9 800... 71 5-6 3 4-2 674 or 80 0-5 7 5-8 528 Jeremy Behrens 41 4-2 9 4-4 640 71 5-6 3 4-8 027 F Cheri Cicona 41 4-3 2 7-3 700 Brian Gold 26 2-7 8 7-6 839 Peoples State Bank of Bloomer Bob Hoepfner 26 2-7 8 7-6 925 SBAExp Larry Homberger II 2 0-4 9 1-4 206 9 www.psbbloomer.com John McCarty 92 0-9 9 7-4 347 Charles Wilkinson, VP Rebecca Reinhardt 1 4-9 6 4-6 050 4 71 5-5 6 8-1 100 www.nsbashland.com/ John Beirl or Mike Simon 71 5-6 8 2-2 772 Sue Schley 21 8-2 2 9-2 234 Oak... www.marinebank.com/WI/index.html Bill Kadrich, Sr VP 41 4-6 0 7-6 000 Paul Melnick, Sr VP 26 2-6 9 5-4 303 Darci Miller, Sr VP 1 4-4 2 7-2 740 4 McFarland State Bank, McFarland SBAExp, PatriotExp www.msbonline.com/ Dave Dahlin 60 8-8 3 8-5 026 Randy Engen 60 8-2 0 5-0 350 Matt Golden 60 8-8 3 8-5 048 Mark Schubring 60 8-8 3 8-5 290 Christina Smith-Wilke 60 8-8 3 8-5 038 Mike Urben 60 8-8 3 8-5 293 Jim Walker 60 8-8 3 8-5 025 Merchants Bank, NA, Onalaska PLP,... Jillian Faber 92 0-9 0 7-6 567 • 92 0-9 0 7-8 767 F Horicon Bank, Horicon SBAExp www.horiconbank.com Business Bankers at: Terry O’Connor 92 0-8 8 7-8 350 Paul Huebner 92 0-8 8 7-8 350 Allen Schwab 92 0-8 8 7-8 350 Michael Wollner 92 0-6 2 5-3 515 Thomas Dunham 92 0-9 3 1-3 716 Jeffrey Liddicoat 92 0-7 4 5-2 265 Ann Domask 92 0-6 2 5-3 515 Steven Glish 26 2-8 9 1-7 991 Michael Fleischman 26 2-8 0 8-2 671 Rose Petitte 26 2-8 0 8-2 670 Investors Community... PatriotExp Michael P Petta 60 8-8 3 6-4 320 www.baraboonational.com Derek E Jody Jansen, Vice President Moehring 60 8-8 3 6-4 304 92 0-2 9 4-4 500 or 80 0-5 5 9-0 011 Todd Geltemeyer 60 8-8 3 6-4 302 92 0-9 0 7-0 436 F Kevin Mahaney 60 8-8 3 6-4 305 Gary Kuter 60 8-8 3 6-4 301 Justin Hart 60 8-8 3 6-4 129 24 — Small Business Resource WISCONSIN http://collinsstatebank.com Terry Van Engen, Sr VP 92 0-9 9 4-9 434 • 92 0-9 9 4-8 404 F Comerica Bank, IL... 44, Ste C Oshkosh, WI 54904 92 0-2 3 1-5 570 • 92 0-2 3 1-5 474 Fax Dan Schneider, EVP of Lending 92 0-9 6 6-1 483 Jason Monnet, VP/Loan Officer 92 0-9 6 6-1 479 Rich Diemer, VP/ED Loan Officer 92 0-9 6 6-1 484 6011 Durand Ave Racine, WI 53406 26 2-5 9 8-9 488 or 80 0-5 3 6-6 799 26 2-5 9 8-9 489 Fax Steve Kohl, VP/Loan Officer 2417 Post Rd Stevens Point, WI 54481 71 5-3 4 3-9 082 or 80 0-5 3 6-6 799 71 5-3 4 3-9 083 Fax Dan Timm, VP/Loan Officer,... Krause 71 5-3 8 9-6 484 www.johnsonbank.com/ Dave Clark 71 5-3 8 9-5 300 Business Advisor First National Bank Fox Valley, Gene Knoll 71 5-7 8 5-5 300 26 2-6 1 9-2 272 or 87 7-2 3 6-2 739 Menasha and Neenah PLP, SBAExp, PatriotExp www.fnbfoxvalley.com Peter Prickett, President/CEO 92 0-7 2 9-6 900 Wenda Roycraft, Sr VP 92 0-7 2 9-6 960 John Hintze, VP 92 0-4 2 6-6 228 Timothy Vogelsang, VP 92 0-8 8 2-1 672 David Kruck, AVP 92 0-7 2 9-6 941 Foundations... Rob Reichert, Bay SBAExp 85 5-2 8 4-3 722 Sr VP 60 8-2 7 8-2 813 www.pioneercu.org Darwin Lynde, Randy Glaser, VP/Lending Nicolet National Bank, Sr VP 60 8-2 7 8-2 850 92 0-4 9 4-2 828 or 80 0-7 2 8-4 294 Appleton SBAExp Sam Huntington, 92 0-4 9 4-5 720 F www.nicoletbank.com/ VP 60 8-2 7 8-2 851 PNC Bank, N.A DE Brian Haddock, Assist Vice Pres Michael Johnston, 92 0-2 2 4-1 407 • 92 0-2 2 4-1 429 F VP 60 8-6 6 2-9 405 PLP, SBAExp, PatriotExp... 71 5-2 8 6-2 223 or 87 7-4 4 0-2 223 71 5-2 8 6-5 766 F www.timberwoodbanks.com/ David Taylor, VP/Cmmrcl Lending 60 8-3 7 2-2 265 • 60 8-3 7 2-3 757 F UPS Capital Business Credit, www.superiorfg.com Tomahawk Community Bank, 87 7-6 7 5-0 500 • 92 5-2 9 6-0 510 F S.S.B., Tomahawk SBAExp, PatriotExp Hartford, CT PLP, SBAExp www.upscapital.com 87 7-2 6 3-8 772 www.tomahawkcommunitybank.com PJ Childers 71 5-4 5 3-2 144 • 71 5-4 5 3-8 135 F WISCONSIN. .. www.cumberlandfederal.com Barry Ranallo 71 5-8 2 2-2 249 • 71 5-8 2 2-2 279 F www.denmarkstate.com Business Banker 92 0-8 6 3-2 161 • 92 0-8 6 3-6 159 F DMB Community Bank, De Forest SBAExp www.firstbankbaldwin.com/ Steve Perry or John Larson 71 5-6 8 4-3 366 or 80 0-4 9 9-4 362 www.fbfcwi.com/ Sarah Andritsch 26 2-3 3 8-9 900 Tom Stapleton 26 2-5 6 9-9 900 Brent Benjamin 60 8- 83 4-4 040 First National Bank of Hartford Heartland Credit . Development 71 5-8 3 6-7 511 ext. 174 71 5-8 3 6-7 580 Fax kbriggs@westerndairyland.org and 23122 Whitehall Rd. Independence, WI 54747 71 5-9 8 5-2 391 ext. 242 or 80 0-7 8 2-1 063. Advocacy Henry Sanders henry.sanders@sba.gov 60 8-4 4 1-5 264 Visit us online: www.sba.gov/wi 8 — Small Business Resource WISCONSIN THE WISCONSIN DISTRICT OFFICE The Wisconsin