Small Business resource guide WASHINGTON & NORTHERN IDAHO EDITION 2020
START GROW EXPAND YOUR BUSINESS
Washington & Northern Idaho Edition 2020
Local Business Assistance 8 National Success Story Jerado and Joyce Reynolds know their local landscape for entrepreneurship support. 11 Local SBA Resource Partners 14 Cybersecurity Essentials for Small Businesses 15 Your Advocates 16 How to Start a Business 26 Find an EIN 27 Opportunities for Veterans 28 Entrepreneurial Opportunities 30 Write Your Business Plan 32 10 Tips to Help You Build
36 National Success Story Jennifer and Jeff Herbert’s
meadery has expanded into a multimillion dollar enterprise thanks to SBA assistance.
39 SBA Lenders 46 Financing 101 47 Need Financing? 48 Go Global with
International Trade 50 R&D Opportunities for High Growth Startups 52 National Success Story
Cheeseburger Baby owner Stephanie Vitori persevered through a financial storm and a natural disaster.
56 Surety Bonds
and Grow a Stand-Out Small Business Brand
34 Local Success Story
When Ross wanted to grow the business, he turned to the SBA.
58 National Success Story Jennifer Rahn steers the course for Admiral Engineering, succeeding as a small business subcontractor. 61 Government Contracting 62 SBA Certification Programs 63 Woman-Owned Small Business Certification
ON THE COVER Roger Newton; Emily and Lee Fergestrom; Cristy McFall; Ross Black; Scott Howe, all photos courtesy of the SBA
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To schedule a meeting or to learn more, contact Buddy Butler at firstname.lastname@example.org or call 304.615.9884.
SBA Seattle District Office 2401 Fourth Ave., suite 450 Seattle, WA 98121 (206) 553-7310 email@example.com Spokane Office 801 W. Riverside Ave., suite 444 Spokane, WA 99201 (509) 353-2800
District Director Letter W elcome to the 2020 edition of the U.S. Small Business ashington and northern Idaho. The SBA helps make the American dream of small business ownership a reality. We are the only federal agency dedicated to helping our 30 million small businesses start, grow, expand, or recover after a disaster. Our Seattle and Spokane offices work with an extensive network of business advisers and lenders to help Washington and northern Idaho’s 615,000 small businesses at every stage of the business life cycle. Across Washington and northern Idaho during the past year, we empowered small businesses to: • Find an advocate or mentor via the 37 local locations of our SBA Resource Partners, which includes SCORE, Small Business Development Centers, Women’s Business Centers, and the Veterans Business Outreach Center, all powered by the SBA. Administration’s Seattle District Office Small Business Resource Guide. Our team takes great pride in serving communities across • Access over $920 million in SBA-guaranteed loans using 115 local banks, credit unions, community-based lenders, and microlenders. Our small businesses then hired thousands of new employees, bought needed equipment, and built or renovated facilities. • Gain more than $1.5 billion in federal contracting awards. Stay up to date on SBA events near you and get valuable local business information by following us @SBASeattle. Register for email updates at sba. gov/updates . Use our Small Business Resource Guide to power your dream of starting, growing, or expanding your small business in Washington and northern Idaho.
District Director Kerrie Hurd (206) 553-7310 firstname.lastname@example.org Deputy District Director Mark Costello (260) 553-7312 email@example.com Spokane Branch Manager Joel Nania (509) 353-2810 firstname.lastname@example.org Supervisory Lender Relations Specialist Linda Laws (206) 553-7065 email@example.com Lender Relations Specialist Cathy Griffith (206) 553-7082 firstname.lastname@example.org Lead Business Opportunity Specialist John Dicus (509) 353-2513 email@example.com Business Opportunity Specialists Michael Shvartsman (206) 553-7341 michael.shvartsman@ sba.gov Ranvir “Ana” Singh (206) 553-7080 firstname.lastname@example.org
Procurement Center Representatives Robert Rice (206) 553-6850 email@example.com Peter Van Steyn (702) 388-6651 firstname.lastname@example.org Economic Development Specialists Desiree Albrecht (206) 553-2664 desiree.albrecht@sba. gov Lisa White (206) 553-7050 email@example.com International Trade Specialist Leland Gibbs (206) 553-0051 firstname.lastname@example.org Administrative Officer Mary Ann Gamalinda (206) 553-7315 Maryann.gamalinda@ sba.gov
Kerrie Hurd District Director
LOCAL BUSINESS ASSISTANCE
Made to Last Joyce and Jerado Reynolds used SBA support to succeed. Written by Micaela Morrissette How We Did It
LOCAL BUSINESS ASSISTANCE 5 Tips for Success Find a great business mentor.
eynolds Welding & Fabrication has grown steadily, building a loyal customer base, since Jerado Reynolds founded
the company in 2005. “At first the company was just Jerado,” recalls his wife and co-owner, Joyce Reynolds. “Then it was him and me part time.” During the day she worked as a nurse and spent her evenings doing all the company’s paperwork. The Reynolds sank everything they earned into the business—money, time, and energy. She remembers with pride helping Jerado weld a stair railing at a local school. Her son later attended that same school, and she watched her child and others using the rail, benefiting from the hard work the couple did together. It was then Joyce decided as much as she loved her day job, she wanted to devote herself full time to the family business in Windsor, Connecticut. She wanted to work side-by-side with her husband, fully focused on administration and business growth. As they both hoped, word of mouth spread; clients made referrals. Joyce was soon overwhelmed with paperwork. They brought on two employees—doubling up in the busy seasons. They were able to maintain four full-time employees by 2009. After this, Joyce says, they saw that “things were not moving.” She wanted to scale up. Challenge The company wasn’t growing in part because it wasn’t certified with the state department of transportation or prequalified with the Connecticut State Department of Administrative Services, Joyce says. She decided to tackle the certification problem full time, leaving her nursing career. This was the change she'd been wanting to make, but since her background was in health care, Joyce didn’t feel fluent in the languages of construction or business. Joyce wanted to learn, and she had incentive: they needed the certifications to bid on bigger jobs. “Never be afraid to ask questions”, she says. Joyce needed to find people with answers. Solution She and Jerado connected with the University of Hartford Entrepreneurial Center &Women’s Business Center, an
To find your local SBA office and resource partners in your area, visit sba.gov/localresources .
Have a healthy view of competition. We’re not always competing.
We’re a competitor, but if a similar business has extra work, they’ll send it to us and vice versa. That’s the relationship to have.
SBA Resource Partner, where “from day one it was, Eureka! Everyone wanted to see us win.” Women entrepreneurs receive essential business counseling and training from this national network of community-based centers. Most helpful was the detailed personal attention available through free one-on-one business counseling. Joyce also learned about workshops offered by providers like the Metropolitan District, a Connecticut nonprofit municipal corporation offering water and sewer services. At a meet- and-greet, Joyce understood howmuch the SBA could help her business. An SBA professional walked Joyce through the extensive paperwork and, crucially, helped her register the company in the System for Award Management (sam.gov), positioning the company for new federal contracts. “Resources like the Entrepreneurial Center and the SBA will train you from bottom to top”, Joyce says. “They have finance classes that open your eyes regarding taxes. You'll learn how to register your business. They’ll help with a contract or your website or accountability statements. Everything!” Before the SBA, Reynolds Welding attempted the DOT certification on five separate occasions, always falling short because the process was so complicated. Joyce secured the certification with SBA guidance on the first attempt. Benefit Reynolds Welding now employs more than 15 workers, constructing stairs, rails, structural beams, and columns throughout the region. Jerado is working
Record everything you do. Navigating business relationships in this age means keeping an email record of everything you do. Leave a clear paper trail.
Sacrifice to ensure quality. We don’t cut corners. Sometimes you have to lose money to do quality work— it’s rough, but nothing is more important.
Seek SBA assistance to see if you qualify for business certifications. We used to look for jobs. Now that we’re on the SBA Subcontracting Network database, SubNet, and sam.gov , we have a continuous flow of contractors reaching out to us. on two bridges—a lifelong dream. Joyce continues to move forward, getting Reynolds qualified for the SBA 8(a) Business Development Program, which provides free business development education to small businesses so they can better compete in the public sector. “When I came on full time, I set a goal for what I would like for the company, and I’ve achieved 80% of that”, Joyce says. When she secures 8(a) certification for Reynolds, she’ll have hit all her objectives. Then, she admits, she’ll probably come up with some new ones.
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 mentoring, counseling, and training to help you startup 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.
SMALL BUSINESS DEVELOPMENT CENTERS
950 Small Business Development Centers + 20 Veterans Business Outreach Centers + 100 Women’s Business Centers + 300 SCORE chapters +
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 .
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 essential 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
Veteran and military 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.
LOCAL BUSINESS ASSISTANCE
SBA’s Resource Partners are independent organizations funded through SBA cooperative agreements or grants. Our Local SBA Resource Partners
Bellevue 450 110th Ave. NE (425) 885-4014 Technology Business Adviser Parteek Singh email@example.com Bellingham 1616 Cornwall Ave., suite 119 (360) 778-1762 sbdc.wwu.edu Sherri Daymon firstname.lastname@example.org Eric Grimstead email@example.com Asche Rider firstname.lastname@example.org CJ Seitz email@example.com Des Moines 23835 Pacific Highway S., suite 102
(206) 592-4150 Rich Shockley firstname.lastname@example.org (206) 592-3220 Phon Sivongxay email@example.com Everett 808 134th St. SW, suite 101 (425) 640-1435 Giselle Saguid firstname.lastname@example.org Janet Toth email@example.com Kennewick 7130 W. Grandridge, suite A (509) 735-1000 Moses Ayiku firstname.lastname@example.org Kent 417 Ramsay Way, suite 112 (253) 520-6260 Kevin Grossman email@example.com Lacey 4220 Sixth Ave. SE
As a new boutique winery based in the Yakima Valley and run by young entrepreneurs, Fortuity Cellars didn’t have the access to capital it needed to grow. Co-owners Emily and Lee Fergestrom worked with SBDC Adviser Sarah Truglio to draft a loan package to qualify for SBA-backed financing. The couple will construct a state-of-the-art winery using an SBA-backed loan through Columbia Bank.
Small Business Development Centers
Washington SBDC Lead Office 901 E. Second Ave., suite 210 Spokane (509) 358-7765 wsbdc.org
Aberdeen 1620 Edward P. Smith Drive, building 800, room 858 (360) 538-2530 Mia Johnstone firstname.lastname@example.org Auburn 1221 D St. NE (253) 520-6261 Taryn Hornby email@example.com
(360) 709-2039 John Morosco firstname.lastname@example.org (360) 709-2050 Jennifer Dye email@example.com
LOCAL BUSINESS ASSISTANCE
Veterans Business Outreach Center Veteran entrepreneurs or small business owners can receive business training, counseling and mentoring, and referrals to other SBA Resource Partners at a Veterans Business Outreach Center, sba.gov/vboc . This is also the place to receive procurement guidance, which can help your business better compete for government contracts. 1437 S. Jackson St. Seattle (206) 324-4330 firstname.lastname@example.org businessimpactnw.org/vboc
Scott Howe, a U.S. Marine veteran, purchased his business location using the SBA- backed 504 Certified Development Company loan. After over 13 years in business, Scott consulted with the Skagit County Small Business Development Center to help him qualify for the SBA-backed financing to buy the real estate for Quantum Health and Yoga Lounge.
Longview 1946 Third Ave. (360) 578-5449 email@example.com Moses Lake 6594 Patton Blvd. NE (509) 762-6040 Allan Peterson firstname.lastname@example.org Mt. Vernon 204 W. Montgomery (360) 336-6114 Cindy Brooks email@example.com Omak 320 Omak Ave., suite 400 (509) 826-5107 Lew Blakeney firstname.lastname@example.org Port Angeles 338 W. First St., suite 105 (360) 417-3375 Mike Rieckhoff email@example.com
Poulsbo 700 NE Lincoln Road (360) 447-8788 firstname.lastname@example.org Pullman 1610 NE Eastgate Blvd., bldg. 1, section G, suite 5W (509) 335-8081 Aziz Makhani email@example.com Puyallup 400 E. Pioneer, suite 103 (253) 268-3339 John Rodenberg firstname.lastname@example.org Redmond 8383 158th Ave. NE, suite 225 (425) 885-4014 Technology Business Adviser Parteek Singh email@example.com
Seattle 901 Fifth Ave., suite 2900 (206) 428-3022 Ellie He firstname.lastname@example.org Spokane 901 E. Second Ave., suite 210 (509) 358-7992 Vern Jenkins email@example.com (509) 358-7767 Julia Lara firstname.lastname@example.org (509) 358-7892 Alan Stanford email@example.com Tacoma 1101 S. Yakima Ave., room M-123 (253) 680-7768 John Rodenberg firstname.lastname@example.org
LOCAL BUSINESS ASSISTANCE
Tukwila 13925 Interurban Ave. S., suite 100 (206) 246-4445 Steve Burke email@example.com (206) 439-3785 Jenefeness Tucker firstname.lastname@example.org Hillary Van Beek email@example.com Vancouver 915 Broadway, suite 250 (360) 952-4987 Jerry Petrick firstname.lastname@example.org Walla Walla 29 E. Sumach St. (509) 358-7765 email@example.com Wenatchee 238 Olds Station Road, suite A (509) 888-7252 Ron Nielsen firstname.lastname@example.org Yakima 10 N. Ninth St. (509) 575-1140 x117 Sarah Truglio email@example.com Northern Idaho Serving Boundary, Bonner, Kootenai, Benewah, and Shoshone counties 420 N. College Drive, Hedlund Building, suite 145
Mid-Columbia Tri-Cities Serving Benton, Franklin, and Walla Walla counties 7130 W. Grandridge Blvd., suite A Kennewick midcolumbiatricities.score.org South Sound-Tacoma Serving Pierce, Thurston, Lewis, Mason, Grays Harbor, and South King counties (855) 685-0166 tacoma.score.org Spokane Serving eastern Washington and northern Idaho 801 W. Riverside Ave., suite 444 firstname.lastname@example.org spokane.score.org Vancouver Serving Clark County, Longview, and the Columbia Gorge 4001 Main St., suite 121 (360) 545-3210 vancouver.score.org Yakima Valley Serving Yakima and Kittitas valleys yakimavalley.score.org
SCORE Visit sba.gov/score to start working on your business goals. Contact your local office to schedule an appointment. Bellingham Serving Whatcom and Skagit counties 1336 Cornwall Ave. email@example.com bellingham.score.org Central Washington Serving the Wenatchee Valley to the Canadian border 200 Palouse St., suite 101 Wenatchee (509) 888-2900 firstname.lastname@example.org centralwashington.score.org Greater Seattle Serving King, Snohomish, Kitsap, Jefferson, Clallam, and Island counties 2401 Fourth Ave., suite 450 Seattle (206) 553-7320 email@example.com seattle.score.org
Coeur d’Alene (206) 665-5085 firstname.lastname@example.org nisbdc.com
Washington Womenʼs Business Center 1437 S. Jackson St. Seattle (206) 324-4330 x102 email@example.com businessimpactnw.org/washington- womens-business-center Women’s Business Center Inland Northwest SNAP East Office East Central Community Center 500 S. Stone St. Spokane (509) 319-3030 snapwa.org/womens-business-center
Women’s Business Center Washington Center for Women in Business 4220 Sixth Ave. SE Lacey
North Central Idaho Serving Latah, Clearwater, Nez Perce, Lewis, and Idaho counties 406 Main St., Lewiston (208) 792-2465 firstname.lastname@example.org idahosbdc.org/locations/northcentral lcsc.edu/sbdc/business-consulting
(360) 754-6320 email@example.com wcwb.org
LOCAL BUSINESS ASSISTANCE
You hear about cybersecurity constantly, here’s how it applies to you. Cybersecurity Essentials for Small Businesses
Malicious code and viruses are sent over the internet with the goals of finding and stealing your files; deleting critical data; or locking your computer or system. They hide in programs or documents and replicate themselves without your knowledge.
• CNN reports nearly half of the data breaches that Verizon recorded in 2012 took place in companies with fewer than 1,000 employees. • A Symantec report showed that 31% of all attacks in 2012 happened to businesses that had fewer than 250 employees. What are common cyber threats and crimes? There’s a broad range of information security threats. Some of the most common include website tampering, data theft, denial-of-service attacks, and malicious code and viruses. Website tampering can take many forms, including defacing your website, hacking your system, and compromising webpages to allow invisible code that will try to download spyware onto your device. Data theft can come in various forms, and the problems that come with it depend on what kind of data is stolen. Some examples include: • Theft of computer files • Theft of laptops, computers, and devices • Interception of emails • Identity theft A denial-of-service attack happens on a computer or website and locks the computer and/or crashes your system. This results in stopped or slowed workflow and prevents communication. The ultimate goal of this kind of attack is to prevent you from conducting business with your internetconnected systems.
What can I do to protect my business?
The first step in protecting your business’s information is establishing comprehensive, up-to-date security policies. Make sure your employees know and adhere to your policies and best practices for internet and email. Here are just a few to keep in mind: • Don’t respond to popup windows telling you to download drives. • Don’t allow websites to install software on your device. • Don’t reply to unsolicited emails. Use screen locks and shut off your computer at the end of the day. Ensure that your computer hardware and software are updated regularly on all devices throughout the company. Change passwords periodically and use firewalls to protect your systems. You should also consider backing up your data on a regular basis so that if anything is compromised, you have a copy. Want to learn more about how to help make your business more cyber secure? Check out “Cybersecurity for Small Businesses” in the sba.gov Learning Center, which features more tips and additional resources to help you along the way.
Cyber threats are an issue for everyone, and small businesses are targets for such threats and crimes because they often have fewer preventative or responsive resources. So, what do you need to know? What is cybersecurity? With the help of technology and best practices, cybersecurity is the effort to protect computers, programs, networks, and data from attack and damage. Why is cybersecurity so important? Consider all the information you have that needs to be secure: • Personal information for employees • Partner information • Sensitive information for customers/ clients • Financial and sensitive business information It’s essential to do your part to keep these details safe and out of the hands of those who could use your data to compromise you, your employees, and the foundation of your small business. Think it can’t happen to you?
written by Katie Murray , contributor
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, find your regional SBA advocate at sba.gov/advocacy . To submit a comment about how your business has been hurt by an existing regulation, visit sba.gov/ ombudsman/comments .
The SBA’s Office of Advocacy also independently represents small business and advances its concerns before Congress, the White House, federal agencies, federal courts, and state policy makers. Ombudsman Entrepreneurs who have an issue with an existing federal regulation or policy can receive assistance from the SBA’s national ombudsman. The ombudsman’s office can help 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
Advocacy When you need a voice within the federal government for your interests as a small business owner, the SBA’s regional advocates are here to assist. The advocates analyze the effects of proposed regulations and consider alternatives that minimize the economic burden on small businesses, governmental jurisdictions, and nonprofits. Find your regional advocate at sba.gov/advocacy . Your advocate helps with these small business issues: » if your business could be negatively affected by regulations proposed by the government » if you have contracting issues with a federal agency » when you need economic and small business statistics
Make your voice heard by participating in a Regional Regulatory Enforcement Fairness Roundtable or a public hearing hosted by the SBA’s national ombudsman. These events are posted periodically on the ombudsman website, 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.
LOCAL BUSINESS ASSISTANCE
Cristy McFall needed to hire more employees to meet the demand for her traditional Filipino food, but she couldn’t find a lender willing to take the risk on a rural startup. Cristy’s Lumpia and More Inc., on Camano Island, received assis- tance from Business Impact Northwest, an SBA participating microlender. She purchased a delivery van and was able to consolidate high-interest debt. Cristy doubled revenue over a year to became a job creator in her community.
How to Start a Business in Washington & Northern Idaho
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 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. 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, https://cbb.census.gov/sbe . 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. 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. WASHINGTON If you’ve chosen one of the following legal structures: limited liability company, profit corporation, nonprofit corporation, limited partnership, you must register with the secretary of state. However, if you’re a sole proprietor, skip this step and go directly to the Washington State Business License Service. Once you register, the secretary of state will issue a Unified Business Identifier number and send you formation documents. Use the same name and UBI number when dealing with all state agencies.
LOCAL BUSINESS ASSISTANCE
Roger Newton, president of Newton Building and Development, learned how to better compete in the public sector thanks to the SBA 8(a) Business Development Program. Since graduating from the program, Newton Building annual revenue has grown to about $6.5 million, employing 15 in Bremerton, WA.
» Washington Secretary of State Corporations & Charities Division (360) 725-0377 firstname.lastname@example.org sos.wa.gov/corps » Washington State Department of Revenue Business License Service 6500 Linderson Way SW, Tumwater (360) 705-6741
» Idaho Secretary of State Business Entities 450 N. Fourth St., Boise (208) 334-2301 email@example.com sosbiz.idaho.gov 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. WASHINGTON » Washington State Department of Revenue Business Licensing Service Search business licenses by visiting bls.dor.wa.gov . » Washington Secretary of State Search business licenses in the Corporations & Charities Filing System at sos.wa.gov/corps IDAHO » Idaho Secretary of State Search business licenses by visiting sosbiz.idaho.gov 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-
firstname.lastname@example.org bls.dor.wa.gov » City Business License Application bls.dor.wa.gov/city-license-endorsements
Most cities and some counties require a business license or permits. Some city licenses can be obtained in applying for your state license. For others, contact the local city business license office. IDAHO In Idaho, a business may operate as a sole proprietorship, general partnership, limited liability partnership, limited partnership, a limited liability company, or a corporation. Before opening a business in Idaho, the owner should register with the Idaho secretary of state.
LOCAL BUSINESS ASSISTANCE
Brad, left, and Bob Haberman grew their family-run farm into an international exporter with the help of SBA-backed financing. Number 9 Hay Trading Co. qualified for several SBA-backed export assistance loans so the family could purchase product and processing equipment. The Ellensburg, WA business now employs 50 and supports local farmers across the region by selling and exporting hay to Japan, Korea, China, and the United Arab Emirates. Employed Tax Center, go.usa.gov/xPxYR , offers information on a variety of topics including: obtaining an Employer Identification Number, paying and filing income tax, virtual workshops, forms, and publications. As the IRS continues to implement some of the Tax Cuts and Jobs Act provisions, your tax obligations may change. Visit the Tax Reform Provisions that Affect Businesses page on irs.gov for the latest tax reform updates that affect your bottom line. » IRS Tax Assistance Centers By appointment only, call (844) 545-5640 Appointment locations: Washington: Bellingham, Everett, Richland, Seattle, Silverdale, Spokane, Tacoma, Vancouver, and Yakima Idaho: Boise, Idaho Falls, and Pocatello » State Taxes WASHINGTON Washington State Department of Revenue (360) 705-6705 dor.wa.gov Sales and use tax rate tool webgis.dor.wa.gov/ taxratelookup/salestax.aspx Resellers permits dor.wa.gov/find-taxes-rates/retail-sales- tax/reseller-permits Business & occupation tax dor.wa.gov/find-taxes-rates/ business-occupation-tax
Request a free visit from a Department of Revenue tax consultant: dor.wa.gov/workshops-education/request- visit-tax-consultant » Local offices: » Bellingham 1904 Humboldt St., suite A (360) 594-4840 Bothell 19800 N. Creek Parkway, suite 101 (425) 984-6400 Kent Centerpointe Campus Cascade East Building 20819 72nd Ave. S., suite 680
(425) 656-5100 Port Angeles 734 E. First St., suite B (360) 417-9900 Richland
1657 Fowler St. (509) 987-1201 Seattle 2101 Fourth Ave., suite 1400 (206) 727-5300 Spokane 1330 N. Washington, suite 5600 (509) 327-0200
LOCAL BUSINESS ASSISTANCE
Tacoma 3315 S. 23rd St., suite 300 (253) 382-2000 Tumwater 6500 Linderson Way SW (360) 705-6705 Vancouver 8008 NE Fourth Plain Blvd., suite 320 (360) 256-2060 Wenatchee 630 N. Chelan Ave., suite B3 (509) 885-9825 Yakima 3703 River Road, suite 3 (509) 454-5160
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. The Occupational Safety and Health Administration provides information on the specific health and safety standards used by the U.S. Department of Labor. Call (800) 321-6742 or visit osha.gov . WASHINGTON Washington State Department of Labor & Industries helps with worker’s compensation claims and employer accounts, wage and hours rules, construction contractor registration, workplace safety and health. For free, confidential consultations, visit lni.wa.gov/safety/consultation . Office locations: Aberdeen, Bellevue, Bellingham, East Wenatchee, Everett, Kelso, Kennewick, Moses Lake, Mount Vernon, Olympia, Pullman, Seattle, Sequim, Silverdale, Spokane, Tacoma, Tukwila, Tumwater, Vancouver, and Yakima Celia Nightingale and Andrew Bryan (800) 987-0145 email@example.com lni.wa.gov Idaho Department of Labor
IDAHO Idaho State Tax Commission (800) 972-7660 firstname.lastname@example.org
tax.idaho.gov Coeur d’Alene 1910 NW Blvd., suite 100
(208) 332-3570 labor.idaho.gov
Lewiston 1118 F St.
Office locations: Post Falls, Sandpoint, Lewiston, and Orofino Idaho Occupational Safety & Health Consultation Program provides free occupational safety and health services to small businesses within the state. The program helps businesses understand and comply with rules and regulations required by the Occupational Safety and Health Administration. 1113 Denver Ave., Boise (208) 426-3283 email@example.com oshcon.boisestate.edu Employee Insurance Check with your state laws to see if you are required to provide unemployment or workers’ compensation insurance for your employees. For health insurance options, call the Small Business Health Options Program at (800) 706-7893 or visit healthcare. gov/small-businesses/employers . Department of Labor Association Health Plans allow small businesses, including self-employed workers, to band together by geography or industry to obtain healthcare coverage as if they were a single large employer. For information, visit dol.gov/ general/topic/association-health-plans . WASHINGTON Washington State Office of the Insurance Commissioner assists with insurance company market admittance, insurance producer licensing, and insurance consumer assistance. Jeff Baughmen firstname.lastname@example.org (360) 725-7156 insurance.wa.gov/small-business-health-insurance-options
Businesses must register to obtain certain Idaho permits, including sales and/or use tax, income tax withholding, travel and convention tax and more. Learn more online at tax.idaho.gov/ibr . 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, at (800) 772-1213 or visit socialsecurity.gov/employer . You can file W-2s online or verify job seekers through the Social Security Number Verification Service. Employment Eligibility Verification The Federal Immigration Reform and Control Act of 1986 requires employers to verify employment eligibility of new employees. 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 call (800) 870-3676. For the employer hotline call (888) 464-4218 or email Iemail@example.com. E-Verify, operated by the Department of Homeland Security in partnership with the Social Security Administration, electronically verifies the Social Security number and employment eligibility information reported on Form I-9. It’s the quickest way for employers to determine the employment eligibility of new hires. Visit e-verify.gov , call (888) 464-4218 or email firstname.lastname@example.org.
LOCAL BUSINESS ASSISTANCE
Self-employed health insurance Washington Health Benefit Exchange (855) 923-4633 email@example.com wahbexchange.org
Accessibility & ADA Compliance For assistance with the Americans with Disabilities Act, call the ADA Center at (800) 949-4232 or the Department of Justice at (800) 514-0301. Direct questions about accessible design and the ADA standards to the U.S. Access Board at (800) 872-2253, TTY (800) 993-2822, firstname.lastname@example.org or visit access-board.gov . Child Support Employers are essential to the success of the child support program and are responsible for collecting 75%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. Download the fact sheet about the Employer’s Role in the Child Support Programat the Office of Child Support Enforcement’s website at acf.hhs.gov/programs/css > employer responsibilities . You can also find information about other employer r esponsibilities and tools that canmakemeeting those responsibilities easier, such as electronic income withholding orders and the Child Support Portal. Send questions to email@example.com. WASHINGTON Washington State Department of Social & Health Services provides new hire reporting assistance, conducts training on child support laws, assists employers with electronic payment and reporting options. Mitchell Dillard firstname.lastname@example.org (360) 664-5043 www.dshs.wa.gov/esa/division-child-support Patents, trademarks, and copyrights are types of intellectual property that serve to protect creations and innovations. The United States Patent and Trademark Office is the federal agency that grants U.S. patents and registers trademarks. For information and resources about U.S. patents and federally registered trademarks consult uspto.gov. Call the patent and trademark office help center at (800) 786-9199 or visit Silicon Valley USPTO in San Jose, California, uspto.gov/siliconvalley . A patent for an invention is the grant of a property right to an inventor, issued by the U.S. 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 into the country. For information visit uspto.gov/inventors . 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 an article of manufacture. IDAHO Idaho Department of Health and Welfare (800) 356-9868 healthandwelfare.idaho.gov > child support > for employers Intellectual Property
IDAHO Your Health Idaho (855) 944-3246 email@example.com https://www.yourhealthidaho.org/small-business- insurance
Idaho Department of Insurance 2005 Ironwood Parkway, suite 143
Coeur d’Alene (208) 334-4250 doi.idaho.gov 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 and 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 . WASHINGTON Washington State Department of Ecology provides information, guidance and assistance on environmental regulations, permitting, and water rights; helps with reducing pollution, managing wastes, and handling chemicals.
Sharlett Mena (360) 407-7012 firstname.lastname@example.org ecology.wa.gov
IDAHO Through a partnership between the Idaho Department of Environmental Quality and the Idaho Small Business Development Center, a wide range of environmental assistance is available to small businesses throughout Idaho. Obtain free, confidential environmental assistance in addition to tax, labor, and other advice provided by the Idaho SBDC. Belinda Breidenbach (208) 426-1873 email@example.com idahosbdc.org/specialized-services/environment Idaho Department of Environmental Quality Coeur d’Alene 2110 Ironwood Parkway (208) 769-1422
Lewiston 1118 F St.
(208) 799-4370 deq.idaho.gov
LOCAL BUSINESS ASSISTANCE
Reeves Clippard used the business knowledge he acquired in the SBA Emerging Leaders program to grow A/R Solar in Seattle, WA.
Idaho Secretary of State Office (208) 332-2811 firstname.lastname@example.org sosbiz.idaho.gov
• 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 or intended to be used to identify and distinguish the goods/services of one seller or provider from those of others and to indicate the source of the goods/services. Trademarks and service marks may be registered at both the state and federal level. The U.S. Patent and Trademark Office only registers federal trademarks and service marks. Federally registered trademarks may conflict with and supersede those registered only at the state level. Visit uspto.gov/trademarks . State Trademarks Washington Secretary of State Office Corporations and Charities Division email@example.com https://www.sos.wa.gov/corps/trademarks.aspx
Copyrights protect original works of authorship including literary, dramatic, musical and artistic, and certain other intellectual works. Copyrights do not protect facts, ideas, and systems, although they may protect the way they are expressed. For general information 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
LOCAL BUSINESS ASSISTANCE
Regulatory Assistance Get help with the regulatory, licensing, and permitting processes by contacting the appropriate Washington State Small Business Liaison Teammember. Department of Revenue
Department of Agriculture Laura Raymond firstname.lastname@example.org (206) 256-6157
Department of Health Jovi Swanson email@example.com (360) 236-4028
Janet Shimabukuro firstname.lastname@example.org (360) 705-6602
Helps with business tax registration, business & occupation tax, sales tax, state public utility taxes, tax incentives/ credits, other excise taxes, referrals to tax specialists as needed Department of Revenue-Business Licensing Services Kim Johnson email@example.com (360) 705-6615 Assists with online and paper filing of business license applications, city and state agency partnerships for one-stop business licensing Department of Labor and Industries Celia Nightingale and Andrew Bryan firstname.lastname@example.org (800) 987-0145 Helps with worker’s compensation claims and employer accounts, wage and hours rules, construction contractor registration, workplace safety and health Secretary of State–Division of Corporations & Charities Patrick Reed email@example.com (360) 725-0358 Helps with business entity filing for corporations, limited liability companies, limited partnerships, trademarks, and apostilles Department of Social & Health Services-Office of Diversity & Inclusion Carolyn Cole firstname.lastname@example.org (800) 833-6388 Helps with diverse supplier access and inclusion Department of Social & Health Services-Division of Child Support Mitchell Dillard email@example.com (360) 664-5043 Assists with new hire reporting, training on child support laws, and assists employers with electronic payment and reporting options
Advises farm and food businesses in regulations, direct, domestic, and international marketing, refers business owners to specific WSDA and USDA programs, recruits and retains food and agriculture businesses Liquor and Cannabis Board Beth Lehman firstname.lastname@example.org (360) 664-9771 Kim Sauer email@example.com (360) 664-1728 Assists with applying for liquor licenses, enforcement and education activities and resources Department of Licensing Kathy McDaniel firstname.lastname@example.org (360) 664-1386 Helps with professional business licenses such as cosmetology, engineering, security guards, real estate, and other professional business licenses Employment Security Department Rafael Colon email@example.com (360) 902-9540 Helps with unemployment insurance, paid family and medical leave, labor market information, WorkSource and business friendly programs Department of Ecology Sharlett Mena firstname.lastname@example.org (306) 407-7012 Provides information, guidance and assistance on environmental requirements, environmental permitting (air, water, waste) and water rights, helps with reducing pollution, managing wastes, and handling chemicals
Serves as the point of contact for small businesses, researches and answers questions about the department’s regulations, leads agency small business assistance team Governor’s Office for Regulatory Innovation and Assistance Michael Ervick email@example.com (360) 725-2663 Answers questions about local, state, and federal environmental and business licensing regulations; connects small businesses directly to state agency experts Department of Veterans’ Affairs
Jennifer Montgomery firstname.lastname@example.org (360) 725-2169 Assists with registration for the
Washington state veteran/service- member owned business directory, Washington state veteran linked deposit program; improves access to capital for certified veteran & service-member owned firms Department of Transportation Jackie Bayne email@example.com (360) 338-5783 Provides business development assistance Department of Fish & Wildlife Peter Vernie firstname.lastname@example.org (360) 902-2302 Helps with fish and wildlife regulations, enforcement, licensing, permitting (including hydraulic project approvals), contact for public education and outreach, information, guidance, and training on fish and wildlife conservation issues Office of the Insurance Commissioner Jeff Baughmen email@example.com (360) 725-7156 Helps with insurance company market admittance, insurance producer licensing, insurance consumer assistance
LOCAL BUSINESS ASSISTANCE
Department of Natural Resources Tami Miketa firstname.lastname@example.org (360) 902-1415 Helps with forest practices and surface mining regulation, bidding on timber harvest and forest work contracts, and timber and geoduck auctions, and leasing of state lands Department of Commerce Robb Zerr email@example.com (206) 256-6111 Provides technical assistance to help companies export in foreign markets, referrals for support and technical assistance to small businesses, including financial resources and tax incentives
Office of Minority & Women Business Enterprises Victor Andino firstname.lastname@example.org (360) 664-9771
Department of Emergency Management Taylor Hennesse email@example.com (253) 512-7054
Helps with small business certifications, business development, linked deposit loan program, and supplier diversity Department of Enterprise Services Shana Barehand firstname.lastname@example.org (360) 902-7926 Helps with state procurement and contracting with the state of Washington Washington State Lottery Lance Anderson email@example.com (360) 485-5809 Helps with applications for lottery licenses, retailer accessibility concerns, lottery sales, marketing and accounting, enforcement of lottery requirements/ loss prevention assistance
Provides business continuity tools/ templates, assisting in accessing & minimizing natural and technological disaster risks, information, guidance, and training on emergency management industry issues Workforce Training and Education Coordinating Board Mike Brennan firstname.lastname@example.org (360) 709-4616 Serves as the state-wide contact for business and industry workforce issues and liaison to the state and regional economic development system
LOCAL BUSINESS ASSISTANCE
Tri-City Development Council Serving Benton and Franklin counties (509) 735-1000 tridec.org Yakima County Development Association (509) 575-1140 chooseyakimavalley.com IDAHO Panhandle Area Council Inc. Serving Bonner, Boundary, Kootenai, Shoshone, and Benewah counties (208) 772-0584 pacni.org Clearwater Economic Development Association Serving Clearwater, Idaho, Latah, Lewis, and Nez Perce counties (208) 746-0015 clearwater-eda.org
Economic Development WASHINGTON Adams County Development Council (509) 331-2042 growadamscounty.com Choose Whatcom (360) 676-2500 choosewhatcom.com Klickitat County Economic Development (509) 733-7060 klickitatcounty.org/216/economic- development Lewis Economic Development Council
(360) 748-0114 lewisedc.com Lincoln County Economic Development Council (509) 368-7085 lincolnedc.org Pacific County Economic Development Council
Clallam County Economic Development Corporation (360) 457-7793 clallam.org Economic Alliance Serving Okanogan County (509) 826-5107 economic-alliance.com Economic Alliance of Snohomish County (425) 743-4567 economicalliancesc.org Economic Development Alliance of Skagit County (360) 336-6114 skagit.org Economic Development Board of Tacoma Pierce County (253) 383-4726 edbtacomapierce.org Economic Development Council of Mason County (360) 426-2276
(360) 875-9330 pacificedc.org Pend Oreille County Economic Development Council (509) 447-5569 Pocedc.org Port of Chelan County Washington (509) 663-5159 portofchelancounty.com Port of Columbia (509) 382-2577 Portofcolumbia.org Port of Douglas County (509) 884-4700 portofdouglas.org Port of Walla Walla (509) 525-3100 portwallawalla.com San Juan County Economic Development Council (360) 378-2906 sanjuansedc.org Southeast Washington Economic Development Association Serving Asotin, Columbia, Garfield, and Whitman counties (509) 751-9144 seweda.org Thurston Economic Development Council (360) 754-6320 thurstonedc.com
Exporting Assistance WASHINGTON
Washington Export Outreach Team Achieve your exporting goals and grow your business through international trade. t inyurl.com/weothome Seattle Serving Clallam, Grays Harbor, Island, Jefferson, King, Kitsap, Lewis, Mason, Pacific, Pierce, San Juan, Skagit, Snohomish, Thurston, and Whatcom counties 2001 Sixth Ave., suite 2610 (206) 553-5615 2016.export.gov/washington/index.asp SBDC International Trade Business Adviser Ellie He (206) 428-3022 email@example.com Spokane Serving Adams, Asotin, Benton, Chelan, Columbia, Douglas, Ferry, Franklin, Garfield, Grant, Kittitas, Klickitat, Lincoln, Okanogan, Pend Oreille, Spokane, Stevens, Walla Walla, Whitman, and Yakima counties 801 W. Riverside Ave., suite 100 (509) 344-9398 IDAHO 700 W. State St., second floor, Boise (208) 364-7791 2016.export.gov/idaho
choosemason.com EDC Team Jefferson (360) 379-4693 Edcteamjefferson.org Grant County Economic Development Council
(509) 764-6579 grantedc.com Greater Grays Harbor (360) 532-7888 graysharbor.org Greater Spokane Inc. (509) 624-1393 Greaterspokane.org Island County Economic Development Council (360) 678-6889 iscoedc.com Kitsap Economic Development Alliance
Tri County Economic Development District Serving Ferry, Pend Oreille, and
Stevens counties (509) 684-4571 tricountyedd.com
(360) 377-9499 kitsapeda.org
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