Eastern Pennsylvania Edition 2020–2021—U.S. Small Bus…

Small Business resource guide EASTERN PENNSYLVANIA EDITION 2020–2021

START GROW EXPAND YOUR BUSINESS

Small Business Resource Guide 1

2 U.S. Small Business Administration

CONTENTS Eastern Pennsylvania Edition 2020–2021

Local Business Assistance

Funding Programs

8

28 National Success Story Jennifer and Jeff Herbert’s meadery has expanded into a multimillion dollar enterprise thanks to SBA assistance. 31 SBA Lenders 35 Need Financing? 36 Go Global with International Trade 38 R&D Opportunities for High Growth Startups 40 COVID-19 Economic Recovery 42 Surety Bonds Contracting 44 National Success Story Jennifer Rahn steers the course for Admiral Engineering, succeeding as a small business subcontractor. 48 SBA Certification Programs 49 Woman-Owned Small Business Certification

Local Success Story With the help of business guidance, Pilar Gonzalez’s entrepreneurial dream became reality.

11 Local SBA

Resource Partners

8

13 Your Advocates 14 How to Start a Business 21 Workforce Recruitment 22 Entrepreneurial Resources 23 Emerging Leaders 24 Opportunities for Veterans

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40

13

48

44

28

ON THE COVER Roberto Ortiz, courtesy of AVMAC INC.; Pilar Gonzalez, courtesy of Dip It; Exquadrum Inc. President Eric Schmidt, left, and CEO Kevin Mahaffy, courtesy of Exquadrum Inc.; Vera Hall, Innovative Performance Construction Co.; Sridhara Gutt, courtesy of Essnova Solutions

Small Business Resource Guide 3

U.S. SMALL BUSINESS ADMINISTRATION A MESSAGE FROM THE ADMINISTRATOR

I t is my honor to serve as Washington, and in communities across America—that is laser-focused on helping entrepreneurs recover from the impacts of the COVID-19 pandemic. The SBA is here to support our nation’s small businesses by providing timely economic relief and access to invaluable resources for planning, launching, and expanding small businesses. America’s entrepreneurs are innovators and risk- takers. They are the catalyst for employment Administrator of the U.S. Small Business Administration, leading a team of dedicated professionals—in opportunities within their communities. During these unprecedented times, I am confident the small business sector will once again propel our economy to prosperity, just as it has over the last three years. As a member of the President’s cabinet, I am honored to be the voice for America’s 30 million small businesses, advocating on behalf of every entrepreneur. Whether it’s seeking assistance with economic disaster recovery, access to capital, government contracting opportunities, or business mentoring, the SBA is ready and determined to help our customers succeed. The SBA remains committed to continuing our support of America’s entrepreneurs and making an even bigger impact in communities across the country. In particular, the SBA is focused on elevating female entrepreneurs and our military veterans, expanding access to SBA resources among entrepreneurs in

underserved markets, and continuing to prioritize disaster relief. Within this resource guide, you will learn more about the tremendous tools the SBA provides small businesses through our 68 District Offices and numerous Resource Partners, such as our Small Business Development Centers, our SCORE mentoring network, Women’s Business Centers, and Veterans Business Outreach Centers. Featured in this guide are some of the remarkable success stories of entrepreneurs who partnered with the SBA to take their businesses to the next level. The SBA encourages you to also utilize these resources to help strengthen and meet your business goals.

Sincerely,

Jovita Carranza SBA Administrator

WE MAKE SMALL BUSINESS OUR BUSINESS. START • GROW • EXPAND • RECOVER

PUBLISHED BY New South Media, Inc. 304.413.0104 | newsouthmedia.com

PUBLISHER Nikki Bowman, nikki@newsouthmediainc.com

DESIGNER Hayley Richard, hayley@newsouthmediainc.com

MANAGING EDITOR Holly Leleux-Thubron, holly@newsouthmediainc.com

ASSOCIATE EDITORS Pam Kasey, pam@newsouthmediainc.com

OPERATIONS MANAGER Meggan Hoyman, info@newsouthmediainc.com

ADVERTISING SALES DIRECTOR Heather Mills McIntyre, heather@newsouthmediainc.com

ADVERTISING SALES Kelley McGinnis, Bryson Taylor sba@newsouthmediainc.com

Copyright: New South Media, Inc. Reproduction in part or whole is strictly prohib- ited without the express written permission of the publisher. © 2020 NEW SOUTH MEDIA, INC., ALL RIGHTS RESERVED The U.S. Small Business Administration’s Office of Marketing & Customer Service directs the publication of the Small Business Resource Guide under SBA Contract #SBAHQ-17-C-0018. SBA publication summer 2020 national edition #mcs-0135

WRITER/EDITOR Becky Bosshart (202) 205-6677 rebecca.bosshart@sba.gov DIRECTOR OF MARKETING Paula Panissidi Tavares paula.tavares@sba.gov

The 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 here. All SBA programs and services are extended to the public on a non- discriminatory basis. Directory listings do not constitute or imply an endorsement by the SBA of any opinions, products, or services of any private individual or entity.

Printed in the United States of America.

While every reasonable effort has been made to ensure that the information con- tained here is accurate as of the date of publication, the information is subject to change without notice. The contractor that publishes this guide, the federal govern- ment, 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.

6 U.S. Small Business Administration

SBA Eastern Pennsylvania District Office 660 American Ave., suite 301 King of Prussia, PA 19406 (610) 382-3062 sba.gov/pa @SBA_EasternPA Harrisburg Office 1 Penn Center 2601 N. Third St., suite 503 (717) 782-3840 Wilkes-BarreOffice 7 N. Wilkes-Barre Blvd., suite 401-4M (570) 826-6204

W elcome to the 2021 edition of theU.S. Small Business Administration’s Eastern Pennsylvania Small Business Resource Guide. This guide introduces you to the business resources available throughout the 40 eastern counties of Pennsylvania, an area full of opportunity for thosewith an entrepreneurial spirit and a willingness to build a brighter economic future for themselves and their community. The SBA is the only federal agency dedicated to helping small businesses start, grow, expand, or recover after a disaster, whether there is physical damage or adverse economic effects. The SBA Eastern Pennsylvania District Office works with a network of resource and lending partners to help small business owners and entrepreneurs at every stage of development. We help entrepreneurs take their small business idea from concept to start up through to growth and expansion, like in exporting and government contracting. We deliver programs on entrepreneurship and facilitate executive leadership sessions in English and Spanish. The SBA helps make the American dream of small business ownership a reality here in Pennsylvania. The SBA is here for your small business. Let us help you: • Access SBA-guaranteed loans through our lending partners. In the most recent fiscal year, 1,285 eastern Pennsylvania small businesses leveraged over $449.3 million through the SBA-backed (7a) loan program. These businesses then went on to hire new employees, buy needed equipment, and build or renovate facilities. During the COVID-19 pandemic, the Paycheck Protection Program provided over $20.7 billion to Pennsylvania small businesses, nonprofits, and agricultural enterprises. • Find a business adviser via our local SBA Resource Partners, which includes SCORE chapters, Small Business Development Centers, our Women’s Business Centers, and Veterans Business Outreach Center. Our resource partners provide expert technical assistance, training, and mentoring to help you pursue your entrepreneurial dream. • Compete for nearly $1.4 billion in federal contracts. SBA government contracting workshops and seminars help entrepreneurs learn how to better compete for federal contracts. This guide details the benefits of the 8(a) Business Development Program and other small businesses certifications. As our community continues its recovery from the health, social, emotional and economic effects of the coronavirus pandemic, you can continue to count on the SBA for small business assistance. Weʼre in this together.

District Director Steven Dixel (610) 382-3095 steven.dixel@sba.gov Deputy District Director Michael Kane (610) 382-3071 michael.kane@sba.gov Harrisburg Branch Manager Solomon Wheeler (717) 782-3840 solomon.wheeler@ sba.gov Lead Business Opportunity Specialist Jennifer Tilden (610) 382-3083 jennifer.tilden@sba.gov Lead Economic Development Specialist Robert Goza (610) 382-3084 robert.goza@sba.gov Lead Lender Relations Specialist Donald Jefferson (610) 382-3079 donald.jefferson@ sba.gov Business Opportunity Specialist George Tapia (610) 382-3086 george.tapia@sba.gov

Lender Relations & Economic Development Specialist (Se habla Español) Wilma Bonilla Oliver (610) 382-3067 wilma.bonillaoliver@ sba.gov Lender Relations & Economic Development Specialists Shannon Degiglio (610) 382-3082 shannon.degiglio@ sba.gov Kimberly Stout (610) 382-3080 kimberly.stout@sba.gov James Verbeck (610)-382-3081 james.verbeck@sba.gov Public Information Officer & Economic Development Specialist Sonia Smith (610) 382-3085 sonia.smith@sba.gov District Support Assistant Jane Aquila (610) 382-3062 jane.aquila@sba.gov Administrative Officer Amy Logan (610) 382-3075 amy.logan@sba.gov

Sincerely,

Steven R. Dixel District Director

Small Business Resource Guide 7

LOCAL BUSINESS ASSISTANCE

Recipe for Success BA resources provided Pilar Gonzalez with the key ingredients for small business success in Mission, TX. written by becky bosshart How I Did It

8 U.S. Small Business Administration

LOCAL BUSINESS ASSISTANCE

5 Tips for Success Find a great business mentor. To find your local SBA office and resource partners in your area, visit sba.gov/localassistance . Surround yourself with people who are smarter than you; they will complement your weaknesses and bring out your strengths. You will share your passion and drive with them.

Join up with other entrepreneurs for virtual networking.

W ith the help of entrepreneurial dream became reality. Dip It can now be found in grocery stores in Texas and Mexico. An Emmy Award nominee from her radio/TV career, Pilar started Dip It 10 years ago out of her home kitchen. Pilar took a family recipe and crafted it into a line of natural yogurt dips including business guidance, Pilar Gonzalez’s cilantro, chipotle, jalapeño, piquin, and green olive. Despite her early struggles with production, design, and marketing, Dip It volume continued to grow. With the business guidance of an SBA Resource Partner, Pilar was able to take her concept to the next level, qualifying for financing and becoming a job creator in Texas. Challenge Pilar needed the help of a business adviser in drafting her business plan, eventually taking her to the place where she could qualify for business financing. It can be difficult for small businesses, especially those in the food industry, to secure capital to expand. She wasn’t able to find the financing she needed

As a small business owner, We don’t cut corners. Sometimes you have to lose money to do quality work—it’s rough, but nothing is more important. Are you a woman-owned small business? The SBA offers free WOSB certification at beta.certify.sba.gov . short or long-term costs necessary to sell goods or services abroad. Pilar used her loan proceeds as working capital to finance foreign sales, helping her better compete globally. Benefit Dip It sales have increased over 200% since 2016; her product can be found in over 250 HEB stores with 300 total distribution locations. She employs eight in her Mission, Texas facility. Pilar recently added cream cheese dips into her line, expanding to include zesty avocado, bacon and spinach, and water chestnuts. Recently her product was awarded a HEB belt buckle for reaching the $1 million sale mark.

with the right terms, even though her revenue was steady and she was creditworthy. Pilar was ready to expand but couldn’t find a lender to back her venture. Solution Pilar worked closely with advisers at her local Small Business Development Center, seeking counseling as her business grew. She attended several trainings that helped with running the financial side of the business. Pilar’s product ranked high in many local and regional food competitions, which increased her marketability and investor appeal. Providing funding to boost production and sales, Pilar’s confidence grew as she continued to gather accolades. She won the second-place grand prize in HEB’s Primo Picks Quest for Texas Best, which placed her product in over 100 stores. The SBA also guarantees loans made by lending institutions to small businesses that cannot find conventional financing elsewhere. Pilar was also able to enter the international marketplace using a State Trade Expansion Program grant and training. SBA international trade programs cover

Small Business Resource Guide 9

LOCAL BUSINESS ASSISTANCE

SBA Resource Partners No matter your industry, location or experience, if you have a dream, the SBA is here to help you achieve it. Our SBA Resource Partners offer virtual mentoring, counseling, and training to help you start up and thrive at all stages of the business life cycle. These independent organizations operating across the United States and U.S. territories are funded through SBA cooperative agreements or grants.

950 + 100 300 + +

SMALL BUSINESS DEVELOPMENT CENTERS

Achieve your dream of business ownership and remain competitive in an ever-changing global economy with assistance from your local SBDC. Access free counseling and free or low- cost training on topics like regulatory compliance, technology development, and international trade. Find an SBDC adviser at sba.gov/sbdc .

SCORE

Join the ranks of other business owners who have experienced higher revenues and increased growth thanks to SCORE, the nation’s largest network of volunteer business mentors. Experienced executives share real-world knowledge to fit your busy schedule. SCOREmentors are available for free as often as you need, in person, via email or over video chat. Find amentor at sba.gov/score .

WOMEN’S BUSINESS CENTERS

Women entrepreneurs receive business counseling and training from this national network of community-based centers. Each center tailors its services to help you navigate the challenges women often face when starting or growing a business. To learn about SBA resources for women visit sba.gov/women .

VETERANS BUSINESS OUTREACH CENTERS

20 +

Military community entrepreneurs receive business training, counseling, and referrals to other SBA Resource Partners at a Veterans Business Outreach Center, sba.gov/vboc . Receive procurement guidance to better compete for government contracts. VBOCs also serve active duty service members, National Guard or Reserve members, veterans of any era, and military spouses.

10 U.S. Small Business Administration

SBA’s Resource Partners are independent organizations funded through SBA cooperative agreements or grants. Our Local SBA Resource Partners LOCAL BUSINESS ASSISTANCE Small Business Development Centers Pennsylvania SBDC State Office Lead Center Old Main E-Wing, suite 24 15155 Kutztown Road Kutztown (877) 472-7232 lasbdc@lsbdc.org Bucknell University SBDC Serving Juniata, Montour, Northumberland, Shippensburg University SBDC Serving Adams, Cumberland, Franklin, and York counties 405 Grove Hall, 1871 Old Main Drive SCORE Call for an appointment or visit sba.gov/score . District Director Eastern PA & DE Robert S. Bewley (717) 319-8796 Berks & Schuylkill County SCORE 606 Court St., Reading (610) 376-3497 berksschuylkill.score.org Pottsville 200 University Drive, Schuylkill Haven (610) 376-3497 schuylkillcountyscore@gmail.com Bucks County SCORE Doylestown Main Office

(717) 477-1935 ship.edu/sbdc St. Francis University SBDC Serving Bedford, Blair, Cambria, Fulton, Huntingdon, and Somerset counties 169 Lakeview Drive Loretto (814) 472-3200 francis.edu/sbdc Temple University SBDC Serving lower Bucks, lower Montgomery, and Philadelphia counties Beech Building, suite 200, 1510 Cecil B. Moore Ave. Philadelphia (215) 204-7282 temple.edu/sbdc University of Scranton SBDC Serving Bradford, Lackawanna, Monroe, Pike, Susquehanna, Tioga, Wayne, and Wyoming counties Louis Stanley Brown Hall, 600 Linden St. (570) 941-7588 scrantonsbdc.com Widener University SBDC Serving Delaware & Philadelphia counties School of Business Administration Quick Center 1304 Walnut St., suite 117 Chester (610) 499-4109 widenersbdc.org Wilkes University SBDC Serving Carbon, Columbia, Luzerne, Schuylkill, and Sullivan counties

11 Welden Drive (215) 943-8850 buckscounty.score.org Fairless Hills Lower Bucks Chamber of Commerce 409 Hood Blvd. Quakertown Upper Bucks Chamber of Commerce 21 N. Main St. SCORE Chester & Delaware Counties West Chester Main Office 601 Westtown Road, suite 281 (610) 344-6910 chesterdelco.score.org contact.0544@scorevolunteer.org Chester Widener University Leslie C Quick Jr. Center 1304 Walnut St. (corner of 14th Street) Exton Exton Regional Chamber of Commerce Exton Square Mall

Perry, Snyder, and Union counties 112 Dana Engineering Building Lewisburg (570) 577-1249 bucknell.edu/sbdc Kutztown University SBDC Serving Berks, Chester, Dauphin, Lancaster, and Lebanon counties Old Main E-Wing, suite 24 15155 Kutztown Road (877) 472-7232 kutztownsbdc.org Lehigh University SBDC Serving upper Bucks, Lehigh, northern Montgomery, and Northampton counties 416 E. Fifth St. Bethlehem (610) 758-3980 sbdc.lehigh.edu Penn State University SBDC Serving Centre, Clinton, Lycoming, and Mifflin counties 200 Technology Center Building, suite 155

85 S. Main St. Wilkes-Barre (570) 408-4340 wilkes.edu/sbdc

University Park (814) 863-4293 sbdc.psu.edu

185 Exton Square Parkway Chester County Economic Development Council 737 Constitution Drive

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LOCAL BUSINESS ASSISTANCE

TriCounty SCORE 212 E. High St., suite 102, Pottstown (610) 327-2673

Glen Mills WSFS Bank 395 Wilmington-West Chester Pike Haverford Haverford Township Free Library 1601 Darby Road Barclay Square Kennett Square Bayard Taylor Library 216 E. State St. Media Headroom 24 Veterans Square Phoenixville Phoenixville Community Health Foundation 821 Gay St. Springfield WSFS Bank 537 Baltimore Pike Wayne Headroom 230 Sugartown Rd., suite 20 West Chester Greater West Chester Chamber of Commerce 137 N. High St. West Grove Southern Chester Chamber of Commerce 8 Federal Road, suite 1 Lancaster-Lebanon SCORE 313 W. Liberty St., suite 231 Lancaster (717) 397-3092 lancaster.score.org Lehigh Valley SCORE Lehigh Carbon Community College ARC-100, 4525 Education Park Drive, Schnecksville (610) 266-3000 lehighvalley.score.org Bethlehem Northampton Community College, C.I.E. 511 E. Third St. Easton Northampton Community College 25 S. Third St. Easton City Hall 123 S. Third St. Montgomery County SCORE Baederwood Office Plaza 1653 The Fairway, suite 204, Jenkintown (215) 391-1305 montgomerycountypa.score.org

Blue Bell Montgomery County Community College Center for Entrepreneurial Studies Parkhouse Hall, Room 55 340 DeKalb Pike Collegeville Ursinus College Kaleidoscope Hall 601 E. Main St. Horsham Office Evolution 300 Welsh Road Building King of Prussia SBA Eastern Pennsylvania District Office 660 American Ave., suite 301 Telford Harleysville Savings Bank 741 N County Line Road Northeast Pennsylvania SCORE Stegmaier Building, suite 400M Wilkes-Barre (570) 826-6502 contact.ch.admin0709@scorevolunteer.org nepa.score.org Philadelphia SCORE 105 N. 22nd St., first floor (215) 231-9880 philadelphia.score.org City of Philadelphia 1515 Arch St., 12th floor Community College of Philadelphia— Northeast 12901 Townsend Drive Community College of Philadelphia—West 4725 Chestnut St. Mount Airy 6700 Germantown Ave. Philadelphia Free Library-Parkway 1901 Vine St. Susquehanna SCORE HACC York/Goodling Center/YG102 2101 Pennsylvania Ave., York (717) 845-8830 susquehanna.score.org Camp Hill West Shore Chamber of Commerce 4211 Trindle Road Carlisle Carlisle Chamber of Commerce 212 N. Hanover St. Harrisburg Harrisburg Regional Chamber & CREDC 3211 N. Front St.

tricounty.score.org Boyertown Office 3 E. Philadelphia Ave.

Women’s Business Centers Women’s Business Enterprise Center—East 1315 Walnut St., suite 1116 Philadelphia (877) 790-WBEC info@wbeceast.com Women’s Business Center at ASSETS 24 S. Queen St. Lancaster (717) 393-6089 wbc@assetspa.org

Veterans Business Outreach Center Community Business Partnership 6564 Loisdale Court, suite 600 Springfield, VA

(703) 768-1440 x110 info@cbponline.org

12 U.S. Small Business Administration

LOCAL BUSINESS ASSISTANCE

Your Advocates The SBA offices of advocacy and ombudsman are independent voices for small business within the federal government.

To report how a proposed federal regulation could unfairly affect you, contact advocacy.sba.gov . To submit a comment about how your business has been hurt by an existing regulation, visit sba.gov/ombudsman/ comments .

Advocacy When you need a voice within the federal government for your interests as a small business owner, SBA advocates can assist. They analyze effects of proposed regulations and consider alternatives that minimize the economic burden on small businesses, governmental jurisdictions, and nonprofits. SBA advocates, advocacy.sba.gov , help with these small business issues: » if your business could be negatively affected by regulations proposed by the government » when you need economic and small business statistics The office of advocacy also independently represents small business and advances its concerns before Congress, the White House, and federal agencies.

Ombudsman Entrepreneurs who have an issue with an existing federal regulation or policy receive assistance from the SBA national ombudsman. The ombudsman’s office helps you: » resolve regulatory disputes with federal agencies » reduce unfair penalties and fines » seek remedies when rules are inconsistently applied » recover payment for services done by government contractors Make your voice heard by participating in a Regional Regulatory Enforcement Fairness Roundtable or a public hearing hosted by the SBA national ombudsman. These events are posted periodically at sba.gov/ombudsman .

To submit a comment or complaint through the online form, visit sba.gov/ ombudsman/comments . Your concerns will be directed to the appropriate federal agency for review. The SBA will collaborate with you and the agency to help resolve the issue.

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LOCAL BUSINESS ASSISTANCE

Adriana Medina, owner of Fuerte Fitness, in Seattle, WA, received counseling from a SCORE mentor and a Women's Business Center adviser. How to Start a Business in Pennsylvania Thinking of starting a business? Here are the nuts & bolts.

The Startup Logistics Even if you’re running a home-based business, you will have to comply with many local, state, and federal regulations. Do not ignore regulatory details. You may avoid some red tape in the beginning, but your lack of compliance could become an obstacle as your business grows. Taking the time to research the applicable regulations is as important as knowing your market. Carefully investigate the laws affecting your industry. Being out of compliance could leave you unprotected legally, lead to expensive penalties, and jeopardize your business. The Pennsylvania Business One-Stop Shop is the first stop for entrepreneurs interested in legally establishing a business in Pennsylvania. It can help entrepreneurs identify the appropriate paperwork necessary for legal structure, licensing, permits, and taxes as a Pennsylvania business. (833) 722-6778 business.pa.gov .

Market Research Need to do research on your clients and location? View consumer and business data for your area using the Census Business Builder: Small Business Edition, census.gov/data/data-tools/cbb.html . Filter your search by business type and location to view data on your potential customers, including consumer spending, and a summary of existing businesses, available as a map and a report. Business License & Zoning Licenses are typically administered by a variety of state and local departments. For state regulation guidance, contact the Pennsylvania Business One-Stop Shop at (833) 722-6778, or visit business.pa.gov . It is important to consider zoning regulations when choosing a site for your business. Contact the local business license office where you plan to locate your business. You may not be permitted to conduct business out of your home or engage in industrial activity in a retail district.

14 U.S. Small Business Administration

LOCAL BUSINESS ASSISTANCE

An O’Fallon Casting Inc. employee at work in O’Fallon, MO. General Manager Vince Gimeno grew his business thanks to the Small Business Innovation Research Program.

» Bureau of Professional & Occupational Affairs Penn Center 2601 N. Third St., Harrisburg (717) 787-8503 Fax (717) 783-0510 ra-bpoa@pa.gov dos.pa.gov/professionallicensing/pages/default.aspx » In Philadelphia: Department of Licenses & Inspections Municipal Services Building 1401 JFK Blvd. (215) 686-8686 phila.gov/departments/department-of-licenses-and- inspections Name Registration Register your business name with the county clerk where your business is located. If you’re a corporation, also register with the state. » North Office Building 401 North St., room 206, Harrisburg (717) 787-1057

Taxes As a business owner, you should know your federal tax

responsibilities and make some business decisions to comply with certain tax requirements. The IRS Small Business and Self- Employed Tax Center, irs.gov/businesses/small-businesses- self-employed , includes information on paying and filing income tax and finding an Employer ID Number. As the IRS continues to implement some of the Tax Cuts and Jobs Act provisions, your tax obligations may change. For the latest tax reform updates that affect your bottom line visit irs.gov/tax-reform . » IRS Tax Assistance Centers (844) 545-5640 Bethlehem

3 W. Broad St. (610) 865-8208 Harrisburg

228 Walnut St. (717) 777-9650 Horsham 200 Lakeside Drive

Fax (717) 783-2244 ra-corps@pa.gov dos.pa.gov/businesscharities/business www.doreservices.state.pa.us/businesstax

(215) 887-6134 King of Prussia 601 S. Henderson Road (610) 992-5130

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LOCAL BUSINESS ASSISTANCE

Lancaster 1720 Hempstead Road (717) 291-1994 Media 1400 N. Providence Road (610) 891-6002 Philadelphia 600 Arch St. (267) 941-6800 Reading 201 Penn St. (610) 320-5154 Scranton 409 Lackawanna Ave. (570) 961-2493 Wilkes-Barre 7 N. Wilkes-Barre Blvd. (570) 821-4076 York 2670 Industrial Highway (717) 757-4977

help in recognizing and correcting safety and health hazards at your business? Or perhaps you want to improve your work safety and health programs. Receive a free consultation through the PA/ OSHA Consultation Program at Indiana University of Pennsylvania by visiting iup.edu/pa-oshaconsultation/osha-program . Employee Insurance Always check your state laws to learn more about the most common insurance requirements for employers. » In Pennsylvania, workers’ compensation insurance coverage is mandatory for all employers who have one or more employees, whether they’re part time or full time, including family members. Visit dli.pa.gov/businesses/compensation/pages/ default.aspx. » Unemployment Compensation protects workers against job loss by providing temporary income support to people who become unemployed through no fault of their own. Visit uc.pa. gov/employers-uc-services-uc-tax/pages/default.aspx. » Many small employers seek healthcare coverage on their own or with the assistance of an agent or broker, but another way for small business owners to purchase insurance for their employees is through the Small Business Health Options Marketplace at healthcare.gov . Visit insurance.pa.gov/ coverage/pages/for-employers.aspx. Environmental Regulations State assistance is available for small businesses that must comply with environmental regulations under the Clean Air Act. State Small Business Environmental Assistance programs provide free, confidential assistance to help small business owners understand and comply with complex environmental regulations and permitting requirements. These state programs can help businesses reduce emissions at the source, often reducing regulatory burden and saving you money. To learn more about these free services, visit nationalsbeap.org/states/list . » Environmental Protection Agency Small Business Division epa.gov/resources-small-businesses Disability Compliance For assistance with the Americans with Disabilities Act call (800) 514-0301 (voice) 800-514-0383 (TTY) or visit ada.gov . Child Support Employers are essential to the success of the child support program and are responsible for collecting 75 percent of support nationwide through payroll deductions. The Office of Child Support Enforcement at Health and Human Services offers employers step-by-step instructions for processing income withholding orders for child support. “A Guide to an Employer’s Role in the Child Support Program” is available at the Office of Child Support Enforcement’s website at acf.hhs.gov/programs/ css/resource/a-guide-to-an-employers-role-in-the-child- support-program . You can also find information about other employer responsibilities and tools that can make meeting those responsibilities easier, such as electronic income withholding orders and the Child Support Portal, at acf.hhs.gov/css/ employers . Send questions to employerservices@acf.hhs.gov. Information for Pennsylvania employers managing wage-

» State Taxes

revenue.pa.gov Social Security

If you have any employees, including officers of a corporation but not the sole proprietor or partners, you must make periodic payments, and/or file quarterly reports about payroll taxes and other mandatory deductions. You can contact the IRS or the Social Security Administration for information, assistance and forms, socialsecurity.gov/employer or (800) 772-6270. You can file W-2s online or verify job seekers through the Social Security Number Verification Service. Employment Eligibility Verification Employers must verify employment eligibility of new employees according to the Federal Immigration Reform and Control Act of 1986. The law obligates an employer to process Employment Eligibility Verification Form I-9. The U.S. Citizenship and Immigration Service offers information and assistance through uscis.gov/i-9-central . For forms, see uscis.gov/forms . For the employer hotline call (888) 464-4218 or email I-9central@dhs.gov. E-Verify is the quickest way for employers to determine the employment eligibility of new hires by verifying the Social Security number and employment eligibility information reported on Form I-9. Visit e-verify.gov , call (888) 464-4218 or email e-verify@dhs.gov. Health & Safety All businesses with employees are required to comply with state and federal regulations regarding the protection of employees, visit dol.gov for information. Information from the Pennsylvania Department of Labor and Industry is available at dli.pa.gov . The Occupational Safety and Health Administration provides information on the specific health and safety standards used by the U.S. Department of Labor, (800) 321-6742, or visit osha.gov . Need

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LOCAL BUSINESS ASSISTANCE

attached employees from the Pennsylvania Child Support Program is available at humanservices.state.pa.us/csws . Intellectual Property Patents, trademarks, and copyrights are types of intellectual property that serve to protect creations and innovations. Intellectual property may be valuable assets for small businesses and entrepreneurs, and are important to consider in the development of any business plan. Patents and Trademarks For information and resources about U.S. patents and federally registered trademarks: Visit uspto.gov or call the U.S. Patent and Trademark Office Help Center at (800)786-9199. A patent for an invention is the grant of a property right to an inventor, issued by the patent office. The right conferred by the patent grant is the right to exclude others frommaking, using, offering for sale, or selling the invention in the United States or importing the invention. There are three types of patents: • Utility patents may be granted to anyone who invents or discovers any new and useful process, machine, manufacture, or composition of matter, or any new and useful improvement. • Design patents may be granted to anyone who invents a new, original, and ornamental design for a manufactured article. • Plant patents may be granted to anyone who invents or discovers and asexually reproduces any distinct and new variety of plant, other than a tuber propagated plant or a plant found in an uncultivated state. A trademark or service mark includes any word, name, symbol, device, or any combination, used to identify and distinguish the goods/services of one provider from others. Trademarks and service marks can be registered at both the state and federal level. Visit uspto.gov/trademarks . » Trademarks and service marks may be registered in a state, contact the Commonwealth of Pennsylvania Department of State at visit dos.pa.gov/businesscharities/business/resources/ pages/registration-of-a-trademark.aspx or call (717) 787-1057. Copyrights protect original works of authorship including literary, dramatic, musical and artistic, and certain other intellectual works, such as computer software. Copyrights do not protect facts, ideas, and systems, although they may protect the way they are expressed. For general information on copyrights, contact: » U.S. Copyright Office U.S. Library of Congress James Madison Memorial Building 101 Independence Ave. SE Washington, DC (202) 707-3000 or toll free (877) 476-0778 copyright.gov

Kari Weigel provides educational services to rural communities through her Sylvan Learning Center in Fargo, ND, which she expanded with the help of SBA-backed financing.

Exporting Assistance U.S. Export Assistance Center Philadelphia U.S. Department of Commerce International Trade Administration Director Antonio Ceballos 1617 John F. Kennedy Blvd., suite 1580 (215) 597-7141 antonio.ceballos@trade.gov

SBA Office of International Trade Philadelphia Export Finance Manager Theo Samuels-Hunte 1617 John F. Kennedy Blvd., suite 1580 (215) 597-6105 theo.hunte@sba.gov

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LOCAL BUSINESS ASSISTANCE

Greater Carbondale area carbondalechamber.org Greater Carlisle area carlislechamber.org Greater Chambersburg

Hatfield hatfieldchamber.com Hawley visithawleypa.com Indian Valley indianvalleychamber.com Juniata River Valley area juniatarivervalley.org Lancaster lancasterchamber.com Lebanon Valley lvchamber.org Lititz lititzpa.com Lower Bucks County lbccc.org Main Line mlcc.org Mannheim area manheimchamber.com Mansfield

Chambers of Commerce African American Chamber of Pennsylvania, New Jersey, & Delaware aachamber.org Asian American Chamber of Greater Philadelphia asianchamberphila.org Back Mountain Backmountainchamber.org Berks County Latino Chamber greaterreading.org Carbon County carboncountychamber.org Central Bradford County towandawysox.com Central Bucks centralbuckschamber.com Central Pennsylvania centralpachamber.com Central Pennsylvania Gay & Lesbian Chamber cpglcc.org Chester County cccbi.org Clinton County clintoncountyinfo.com Columbia Montour columbiamontourchamber.com Danville visitdanvillepa.org Delaware County delcochamber.org Delaware River Towns delawarerivertowns.com Downingtown-Thorndale region dtrcc.com Eastern Montgomery County emccc.org Elizabethtown area elizabethtowncoc.com Exton region ercc.net Fulton County www.fultoncountypa.com Gettysburg-Adams County gettysburg-chamber.org Great Valley region greatvalleyonline.com Greater BucksMont bucksmontchamber.com

chambersburg.org Greater Hazleton hazletonchamber.org Greater Honesdale visithonesdalepa.com Greater Horsham horshamchamberofcommerce.com Greater Huntingdon huntingdonchamber.com Greater Lehigh Valley lehighvalleychamber.org Greater Montgomery County chambergmc.org Greater New Hope visitnewhope.com Greater Northeast Philadelphia nephilachamber.com Greater Philadelphia chamberphl.com Greater Philadelphia Hispanic Chamber philahispanicchamber.org Greater Philadelphia LGBT Chamber thinkiba.com Greater Pittston pittstonchamber.info Greater Pocono greaterpoconochamber.com Greater Reading greaterreading.org Greater Scranton scrantonchamber.com Greater Susquehanna Valley gsvcc.org Greater Waynesboro area waynesboro.org Greater West Chester greaterwestchester.com Greater Wilkes-Barre wilkes-barre.org Greencastle-Antrim greencastlepachamber.org Hanover area hanoverchamber.com Harrisburg region harrisburgregionalchamber.org

mansfield.org Mechanicsburg mechanicsburgchamber.org Montgomery County montgomerycountychamber.org Montgomery County LGBT montcolgbtbc.org Montrose area montrosearea.com Mount Joy area mountjoychamber.com Mount Union area (814) 542-9413

Nanticoke area (570) 735-6990

Nazareth-Bath region nazarethchamber.com Northeast Berks

northeastberkschamber.com Northern Lancaster County northernlancasterchamber.org Northern Poconos northernpoconoschamber.com Oxford area oxfordpa.org Perkiomen Valley perkiomenvalleychamber.org Phoenixville area phoenixvillechamber.org

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Pike County pikechamber.com Schuylkill schuylkillchamber.com

Lansdowne Economic Development Corp. lansdownesfuture.org Lebanon Valley Economic Development Corp. lvedc.org Lehigh Valley Economic Development Corp. lehighvalley.org Montgomery County Commerce Dept. montcopa.org/779/commerce Northampton County Department of Community & Economic Development northamptoncounty.org/CMTYECDV Northeastern PA Alliance nepa-alliance.org Northern Tier Regional Planning & Development Commission northerntier.org Pike County Economic Development Authority edapikepa.org Pocono Counties Workforce Development pcwia.org/wib Pocono Mountains Economic Development Corp. pmedc.com Pottstown Area Industrial Development Inc. paidinc.org Progress Authority cbprogress.org Schuylkill Economic Development Corp. sed-co.com SEDA-Council of Governments seda-cog.org Strategic Early Warning Network steelvalley.org Tioga County Development Corp. developtioga.org Trehab Community Action Agency trehab.org/workforce-development Wayne County Economic Development Corp. wayneeconomic.com Wayne Pike Workforce Alliance wpworkforce.org WorldTradeCenter of Greater Philadelphia wtcphila.org World Trade Center Harrisburg wtccentralpa.org

Tech-driven enterprises can find assistance at Ben Franklin Technology Centers, benfranklin.org. Statewide Office, Harrisburg (717) 948-4317 Central & Northern PA, State College (814) 863-4558 cnp.benfranklin.org Northeastern PA, Bethlehem (610) 758-5200 nep.benfranklin.org Southeastern PA, Philadelphia (215) 972-6700 sep.benfranklin.org Small manufacturers can receive assistance in responding to changing markets, new technology, and global competition at an Industrial Resource Center. pamade.org Statewide, Williamsport (570) 329-3200 Allentown (610) 628-4640 mrcpa.org Hanover Township (570) 819-8966 nepirc.com Philadelphia (215) 464-8550 dvirc.org Williamsport (800) 326-9467 imcpa.com York (717) 843-5054 mantec.org BucksCountyEconomicDevelopmentCorp. bcedc.com Bucks County Industrial Development Authority buckscountyida.com Bucks County Workforce Development bucksworks.org Carbon County Economic Development carboncountychamber.org/about- economic-development Chester County Economic Development Council ccedcpa.com Greater Reading Economic Partnership greaterreading.org Lancaster County Economic

Shippensburg area shippensburg.org Slate Belt slatebeltchamber.org Southern Chester County scccc.com Southern Lancaster County southernlancasterchamber.org Spring-Ford springfordchamber.com Sullivan County sullivanpachamber.com Susquehanna Valley visitsusquehannavalley.com Tamaqua area tamaqua.net Tri-county area tricountyareachamber.com Upper Bucks ubcc.org Upper Perkiomen Valley upvchamber.org Wellsboro area wellsboropa.com West Shore wschamber.org Western Chester County westernchestercounty.com Williamsport/Lycoming

williamsport.org Wyoming County wyccc.com

York County yceapa.org

Economic Development Businesses that support good stewardship and sustainable development can find assistance from the Pennsylvania Department of Community and Economic Development, visit dced.pa.gov . Entrepreneurs who need assistance with starting a new venture can find assistance from expert advisers and advocates through the Partnerships for Regional Economic Performance program. PREP also helps existing companies develop with financial resources and vital business assistance services. Visit dced. pa.gov/programs/prep .

Development Co. edclancaster.com

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Vocademy in Riverside, vocademy.com , trains underserved populations for vocational careers in manufacturing. Indiana Ruckus Makerspace in Indianapolis, ruckusindy.com , provides coaching and job placement complementing day-to-day job skills training. Massachusetts The Clubhouse-to-Career Pathways to Success program in Roxbury, flagshipclubhouse.org/c2c , places its participants in meaningful employment matching their skill sets. Missouri Rightfully Sewn in Kansas City, rightfullysewn.org , prepares at-risk women and underserved populations for entry level sewing positions, increasing their tailoring and production management skills. New Hampshire Monadnock Art x Tech Makerspace in Peterborough fills the need for qualified welders in construction and industry, visit monadnockartxtech.org . New Jersey New Jersey Institute of Technology Makerspace in Newark connects participants with entry level advanced manufacturing jobs, in addition to an apprenticeship program, visit njitmakerspace.com . New York The Foundry in Buffalo, thefoundrybuffalo.org , operates four makerspaces, metal and wood shops and tech and textile labs, in support of education and entrepreneurship. North Carolina Forge Greensboro connects untapped talent to employment opportunities through pre-apprenticeship programs and accreditation, visit forgegreensboro.org . Oklahoma Fab Lab Tulsa prepares participants with high-value skills to secure careers as operators and technicians in digital fabrication, visit fablabtulsa.org . Pennsylvania NextFab’s Furnishing a Future program in Philadelphia places trained carpenters, visit nextfab.com .

Workshops for Warriors welding student Nikolas Williams trains in the San Diego makerspace, which receives SBA funding for its welding and machining programs. Workshops for Warriors places program graduates into advanced manufacturing careers nationwide.

Workforce Recruitment Find qualified workers at these makerspace initiatives fund d by the SBA. If you are a small business employing skilled laborers, access a new talent pool for recruitment at your local makerspace. How it Benefits You These community operated workspaces provide training and resources to better prepare workers for the jobmarket, offering job-specific and soft skills training. Connect with one of these organizations to see if thesemakerspace participants could work for your small business. California Workshops for Warriors, wfw.org , trains, certifies to national standards, and places veterans into advanced manufacturing careers nationwide.

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LOCAL BUSINESS ASSISTANCE

Entrepreneurial Resources

Online Learning Find free short courses and learning tools to start and grow your small business at sba.gov/learning . The SBA’s free Online Learning Center is a great resource for every entrepreneur,

Native American Workshops Native American, Alaska native, and native Hawaiian entrepreneurs are eligible to receive free training on how to start and grow their business from experienced industry leaders in the field of Native American business development. The SBA Office of Native American Affairs, sba.gov/ naa , works with Sister Sky Inc. and RedWind to reach as many locations as possible. Network with native peers and get connected to business assistance in your area. To register for a workshop near you, visit nativesba.sisterskyinc.com or nativesmallbusiness.org .

especially rural business owners looking for easy access to vital business training. Courses include: • writing your business plan • understanding your customer • buying a business • marketing to win customers

• legal requirements • financing options • disaster recovery

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Emerging Leaders

Learn the skills to grow your small business in this seven-month course.

Accelerate Growth Small business executives looking to grow their business, create jobs, and strengthen their communities will find their next challenge

in the SBA Emerging Leaders program. This seven-month course offers about 100 hours of training and provides the opportunity for high-potential small business owners to work with experienced coaches and mentors while developing connections with peers, local leaders, and the financial community. How it Benefits You Since the start of the program in 2008, Emerging Leaders graduates have reported creating over 6,500 jobs, gaining more than $300 million in new financing, and securing over $3.16 billion in government contracts. Participants produce a three-year strategic growth plan that connects them with the necessary tools and resources to reach major performance targets. What You Learn The curriculum is research-based and nationally scalable, enabling you to engage in focused development and expansion strategies, including options for accessing new capital and securing government contracts. Who’s Eligible Small businesses having annual revenues of at least $250,000, in business for at least three years, and with at least one employee.

HOW THE SBA HELPED ME SUCCEED When April Broderick wanted to expand into government contracting, she turned to the SBA. A&A Fire and Safety Co. in Cabot, AR serves the fire protection and service needs of businesses, schools, and fire departments across Arkansas. She took over from her father, Alan, in 2014, becoming one of the few women executives in her industry. With the help of the SBA Emerging Leaders program, April received business training and networking opportunities to help her better compete in the public marketplace. April committed to the program because she wanted to develop a three- year growth plan with business experts. Since graduating from Emerging Leaders, she has grown her business to six full-time employees, seven part time, with a projected 2019 revenue of $1.7 million.

Get Involved To register online, visit sba.gov/ emergingleaders .

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LOCAL BUSINESS ASSISTANCE

HOW THE SBA HELPED ME SUCCEED U.S. Navy veteran Roberto Ortiz puts his 40 years of aviation management experience to use as a small business owner in Chesapeake, VA. Bert expanded AVMAC Inc. into the government sector fulfilling aviation and maritime logistical services with the help of his local SBA Veterans Business Outreach Center. VBOCs are the first stop for military community entrepreneurs looking to start, grow, or expand a small business. The Old Dominion University VBOC helped Bert obtain government contracting business certifications. With its support, Bert strategically positioned AVMAC to better compete for large-scale government contracts. From AVMAC’s first contract in 2010, this veteran-led company has nearly doubled in revenue and grown to over 400 employees.

AVMAC President/CEO Bert Ortiz, left, and fellow U.S. Navy veteran and electrician Ken Morey manufacturing a power panel bracket.

Opportunities for Veterans

Military community members become more successful entrepreneurs with the help of the SBA.

Who’s Eligible Service members transitioning out of active duty and military spouses. Boots to Business: Reboot, for veterans, National Guard or Reserve members and military spouses, teaches this entrepreneurship curriculum off base in communities. Register for either B2B program at https://sbavets.force.com . For women veterans Receive entrepreneurial training geared toward women veterans, service

members, and spouses through these SBA- funded programs: » ONABEN in Tulsa, Oklahoma » Veteran Women Igniting the Spirit of Entrepreneurship in Syracuse, New York » LiftFund in San Antonio, Texas For service-disabled veterans Learn how to start and grow a small business using these SBA-funded programs:

Entrepreneurship Training In Boots to Business, explore business ownership and other self-employment opportunities while learning key business concepts. Walk away with an overview of entrepreneurship and applicable business ownership fundamentals, including how to access startup capital using SBA resources. Boots to Business is conducted on all military installations as part of the Department of Defense’s Transition Assistance Program.

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» Entrepreneurship Bootcamp for Veterans with Disabilities at the Institute for Veteran and Military Families at Syracuse University in Syracuse, New York » Entrepreneurship Bootcamp for Veterans with Disabilities at St. Joseph’s University in Philadelphia, Pennsylvania » Veterans Entrepreneurship Program at the Riata Center for Entrepreneurship, Spears School of Business, Oklahoma State University in Stillwater, Oklahoma » Dog Tag Inc., affiliated with Georgetown University in Washington, DC

Financing Employee called to active duty?

You can receive funds that enable your business to meet ordinary and necessary operating expenses when an essential employee is called up to active duty in the military reserve. Ask your local SBA specialist or lender about the Military Reservist Economic Injury Disaster Loan. Government Contracting Veteran-owned and service-disabled veteran-owned small businesses that want to better compete in the public market receive training from the Veteran Institute for Procurement, nationalvip.org . VIP Start Enter the federal market and become ready for procurement. VIP Grow Strategize to expand and operate within the federal marketplace. VIP International Enter or expand your federal and commercial contracting opportunities overseas. Get certified Learn about the service-disabled veteran- owned small business certification program on page 50. Need assistance? Veteran and military entrepreneurs receive business training, counseling, and referrals to other SBA Resource Partners at a Veterans Business Outreach Center, sba.gov/vboc . For veterans business information visit sba.gov/veterans .

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