Nevada Edition 2020—U.S. Small Business…

Small Business resource guide NEVADA EDITION 2020

START GROW EXPAND YOUR BUSINESS

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CONTENTS

Nevada 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 13 Your Advocates 14 How to Start a Business 19 Opportunities for Veterans 20 Workforce Recruitment 21 Entrepreneurial Opportunities 22 Write Your Business Plan 24 Local Success Story Elena Ledoux and Nargiza Mukhutdinova wanted to handle their business’s growth with care, so they turned to the SBA for financing assistance.

Funding Programs

26 National Success Story Jennifer and Jeff Herbert’s

meadery has expanded into a multimillion dollar enterprise thanks to SBA assistance.

29 SBA Lenders 32 Financing 101 33 Need Financing? 34 Go Global with

International Trade 36 R&D Opportunities for High Growth Startups 38 National Success Story

Cheeseburger Baby owner Stephanie Vitori persevered through a financial storm and a natural disaster.

42 Surety Bonds

Contracting

44 National Success Story Jennifer Rahn steers the course for Admiral Engineering, succeeding as a small business subcontractor. 47 Government Contracting 48 SBA Certification Programs 49 Woman-Owned Small Business Certification

ON THE COVER Steve Harrington, courtesy of Retro Manufacturing; Laura Nowlan, courtesy of See Us Now Staffing; Boss Orloke, courtesy of the SBA; Elena Ledoux and Nargiza Mukhutdinova, courtesy of Superb Maids

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

I t is my honor to serve as Administrator of the U.S. Small Business Administration, leading a dedicated team of talented individuals across America who are focused on helping entrepreneurs start, grow, and expand their small businesses. The SBA is here to support the prosperity and longevity of our nation’s small businesses with timely and innovative resources to help them thrive in today’s economy. America’s entrepreneurs are innovators, risk-takers, and the catalyst for employment opportunities within their communities, and they are what makes our economy so strong and dynamic. As we enter a new decade of possibilities, small businesses have a remarkable opportunity to continue building upon the success we’ve seen in our economy over the last three years. As the voice for America’s 30 million small businesses, I am eager to advocate on entrepreneurs’ behalf as a member of the President’s Cabinet. Whether it’s seeking access to capital, government contracting opportunities, business mentoring, or assistance with disaster recovery, 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 disadvantaged communities, 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

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

PUBLISHER Nikki Bowman, nikki@newsouthmediainc.com

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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 winter 2020 national edition #mcs-0134

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 nondis- criminatory 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.

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SBA Nevada District Office 300 S. Fourth St., suite 400 Las Vegas, NV 89101 (702) 388-6611 Fax (702) 388-6469 sba.gov/nv Northern Nevada Office 705 N. Plaza St. Carson City, NV 89701 (775) 230-4274

District Director Letter W elcome to the 2020 edition of the U.S. Small Business Administration’s Nevada District Office Small Business Resource Guide. The SBA helps make the American dream of small business ownership a reality. We are the only federal agency dedicated to helping 30 million small businesses start, grow, expand, or recover after a disaster. Our Las Vegas and Northern Nevada offices work with an extensive network of business advisers and lenders to help small businesses at every stage of development. Across Nevada, we empower small businesses to: • Find an advocate or mentor via our SBA Resource Partners, which include Small Business Development Centers, SCORE mentors, our Women’s Business Center, and the Veterans Business Outreach Center, all powered by the SBA. We seek to provide the best information and guidance while working with these partners. • Access SBA-guaranteed loans using local lenders. Small businesses that qualified for SBA-backed financing then often hired new employees, bought needed equipment, and built or renovated facilities. • Gain federal contracts, improving their bottom line and benefiting the local economy. Stay up to date on SBA events near you and get valuable local business information at sba.gov/nv . Register for email updates at sba.gov/ updates . Use our Small Business Resource Guide to power your dream of starting, growing, or expanding your business in Nevada.

District Director Joseph P. Amato (702) 388-6611 Fax (202) 481-0028 joseph.amato@sba.gov Deputy District Director Saul Ramos (702) 388-6015 Fax (202) 481-2995 saul.ramos@sba.gov Economic Development Specialist/Administrative Officer Elizabeth Hill Carson City Office (775) 230-4274 elizabeth.hill@sba.gov Business Opportunity Specialist Sabrina Abousaleh (702) 388-6683 Fax (202)481-0249 sabrina.abousaleh@sba.gov Economic Development Specialist Barry VanOrden (702) 388-6674 Fax (202) 481-2303 barry.vanorden@sba.gov Lender Relations Specialist Tom Martin (702) 388-6687 Fax (202) 292-3618 thomas.martin@sba.gov

Economic Development Specialist Christina Stace (702) 388-6652 Fax (202) 481-0785 christina.stace@sba.gov

District Counsel Richard Baddoo (818) 552-3259 Fax (202) 481-4936

richard.baddoo@sba.gov SBA Procurement Center Representative Marquiesha Gillispie (702) 388-6651 marquiesha.gillispie@sba.gov

Sincerely,

Joseph P. Amato District Director

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LOCAL BUSINESS ASSISTANCE

Made to Last Joyce and Jerado Reynolds used SBA support to succeed. Written by Micaela Morrissette How We Did It

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LOCAL BUSINESS ASSISTANCE 5 Tips for Success Find a great business mentor.

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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.

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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 .

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 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.

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LOCAL BUSINESS ASSISTANCE

SBA’s Resource Partners are independent organizations funded through SBA cooperative agreements or grants. Our Local SBA Resource Partners

Nevada Women’s Business Center 300 S. Fourth St., suite 400 Las Vegas (702) 734-3555 Executive Director Leanna Jenkins ljenkins@nevadabof.org Program/Marketing Coordinator Kathleen Taylor ktaylor@nevadabof.org

A SCORE mentor helped Boss Oroke, owner of BB Mechanical, grow his business in Las Vegas.

SCORE Visit sba.gov/score to start working on your business goals. Contact your local office

to schedule an appointment. Downtown Las Vegas Bank of America building 300 S. Fourth St., suite 400 (702) 388-6104 info@scorelv.org

Stella Lake Urban Chamber of Commerce 1951 Stella Lake St., suite 30 Las Vegas (702) 648-6222 x112, 113 or 114 Northern Nevada Innevation Center 450 Sinclair St. Reno (844) 232-7227

Standard counseling hours Monday-Friday 9 a.m.-3 p.m. Downtown Henderson Henderson Business Resource Center 112 Water St. (702) 388-6104

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Nevada Small Business Development Centers

O'Connor Belting, a Delaware family-owned business, expanded with the help of an SBA-guaranteed 7(a) loan.

Carson City and Douglas County Rural Business Advisor Kathy Halbardier kathyshalbardier@gmail.com Churchill Economic Development Authority SBDC 448 W. Williams Ave., suite 103 Fallon (775) 423-8587 Fax (775) 423-1759 City of Fernley Business & Entrepreneur Technology Center SBDC 595 Silver Lace Blvd. (775) 423-8587 Eastern Nevada SBDC 744 E. North Industrial Way, Ely (775) 772-2891 Elko SBDC Great Basin College Technical Arts Building, room 101 1500 College Parkway (775) 385-6114 Ely SBDC Rural Nevada

Las Vegas SBDC Urban Chamber of Commerce 1951 Stella Lake St. (702) 876-0003 Fax (702) 876-0029 Laughlin SBDC Chamber of Commerce 1585 S. Casino Drive (702) 298-2214 Fax (702) 298-5708 MesquiteRegionEconomic Development SBDC 11 West Pioneer Blvd., suite A Mesquite (702) 344-5500 Fax (702) 946-1315 Nevada SBDC University of Nevada, Reno College of Business Ansari BusinessBuilding, room411 (775) 784-1717 Fax (775) 784-4337 Nevada SBDC at UNLV 4505 S. Maryland Parkway Las Vegas (702) 257-5509 Pahrump SBDC NSB Building, second floor 1301 S. Highway 160 (775) 751-1947 Fax (775) 751-1933 University of Nevada Cooperative Extension SBDC 8050 Paradise Road Las Vegas (702) 257-5509 UNLV Research and Technology Park SBDC 8400W. Sunset Road, fourth floor Las Vegas (702) 895-5019

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

Development Corp. 1320 E. Altman St. (775) 289-8519 Hawthorne SBDC Mineral County Economic Development Authority 901 E St. (775) 945-5896 Fax (775) 945-1257

compete for government contracts. Chief Executive Officer Coreena Conley 3831 N. Freeway Blvd., suite 105 Sacramento, CA (916) 527-8400 admin@vbocix.org

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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.

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See Us Now Staffing Inc. expanded in Las Vegas thanks to an SBA-backed 7(a) loan. President Laura Nowlan, an SBA Emerging Leaders graduate, also received business guidance from her local Women’s Business Center and her SCORE mentor.

Thinking of starting a business? Here are the nuts & bolts. How to Start a Business in Nevada

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. Access the Nevada Department of Business and Industry’s business startup guide at business. nv.gov/resource_center/nevada_business_start_up_guide . 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. For more information visit https://www.nvsilverflume.gov/home . 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. Taxes As a business owner, you should know your federal tax responsibilities and make business decisions to comply with certain tax requirements. The IRS Small Business and Self- 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.

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An SBA-backed loan helped Madisen Saglibene, owner of Pizza Stone’d, grow her business in Las Vegas.

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. » State Taxes Nevada Department of Taxation (866) 962-3707 tax.nv.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, at (800) 772-1213 or visit socialsecurity.gov/employer . You can fileW-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 I-9central@dhs.gov. 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 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. 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 . » Office of the Labor Commissioner labor.nv.gov Las Vegas 3300 W. Sahara Ave., suite 225 (702) 486-2650 Carson City 1818 College Parkway, suite 102 (775) 684-1890 » State safety and health regulations can be found at Nevada Division of Industrial Relations at dir.nv.gov. Employee Insurance Check 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 or visit nevadahealthlink.com or 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.

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LOCAL BUSINESS ASSISTANCE

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. Send questions to employerservices@acf.hhs.gov. For state assistance, contact the Nevada Division of Welfare and Support Services at dwss.nv.gov . Intellectual Property 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. • 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 . For state registration of a trademark contact the Nevada Secretary of State, www.nvsos.gov/sos . 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

Reeves Clippard used the business knowledge he acquired in the SBA Emerging Leaders program to grow A/R Solar in Seattle, WA.

» Nevada unemployment insurance ui.nv.gov » Nevada workers’ compensation insurance dir.nv.gov/wcs/home 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 . » Nevada Division of Environmental Protection https://ndep.nv.gov 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, ta@access-board.gov 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 Program at the Office of Child Support Enforcement’s website at a cf.hhs.gov/ programs/css > employer responsibilities . You can also find

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Chambers of Commerce African Chamber of Commerce and Tourism (702) 504-7292 africanchamberofcommercetourism.org Armed Forces (702) 518-8847 armedforceschamber.com Asian Chamber (702) 737-4300 lvacc.org Battle Mountain (775) 635-8245 battlemountainchamber.com Beatty (775) 553-2424 beattynevada.org Greater Austin (775) 964-2200 austinnevada.com

Henderson (702) 565-8951 hendersonchamber.com Las Vegas Metro (702) 641-5822 lvchamber.com Latin Chamber Nevada Inc. (702) 385-7367 lvlcc.starchapter.com Laughlin (702) 298-2214 laughlinchamber.com Lincoln County Authority of Tourism (775) 728-4460 lincolncountynevada.com Mesquite (702) 346-2902 mesquitenvchamber.com Moapa Valley (702) 398-7160 moapavalleychamber.com North Lake Tahoe (775) 588-1728

Boulder City (702) 293-2034 bouldercitychamber.com Carson City (775) 882-1565 carsoncitychamber.com Carson Valley (775) 782-8144 carsonvalleynv.org

Dayton area (775) 246-6210 lyon-county.org Elko area (775) 738-7135 elkonevada.com Fallon (775) 423-2544 fallonchamber.com Filipino American Chamber (702) 907-1088 faccgn.org Gay & Lesbian Chamber (702) 473-0474

gotahoenorth.com Pahrump Valley (775) 727-5800 pahrumpchamber.com Pioche (775) 962-5544 piochenevada.com Reno-Sparks (775) 636-9550

thechambernv.org Urban Chamber (702) 648-6222 urbanchamber.org Wells (775) 752-3540 wellsnevada.com Women’s Chamber (702) 733-3955 womenschamberofnevada.com

glccnv.org Goldfield (775) 485-3560 goldfieldnevada.org

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Nye County Regional Economic Development Authority (775) 727-0716 nyecounty.net Northeastern Nevada Regional Development Authority Elko, Eureka, Humboldt, Lander, and White Pine counties (775) 738-2100 nnrda.com Rural Development If youare startingabusiness ina rural area, theUSDARural Development office in Nevada provides business and industry loan guarantees and Rural Energy for America program grants and loans to reduce the cost of renewable energy investments and energy efficiency improvements. In addition, the USDA’s Intermediary Relending program provides low-interest loans to nonprofit organizations approved as intermediaries, who then relend the funds to small rural businesses that cannot get conventional credit elsewhere. Rural Nevada Development Corp. serves as the USDA’s intermediary lender in the state, providing microloans to small rural businesses. USDA Rural Development 1390 Curry St. Carson City (775) 887-1222 https://www.rd.usda.gov/nv Rural Nevada Development Corp. 1320 E. Aultman St. Ely (775) 289-8519 https://www.rndcnv.org Export Assistance Serving Nevada and Southern California Regional Manager Export Solutions Group Martin Selander SBA Office of International Trade 2302 Martin Court, suite 315 Irvine, CA (949) 660-8935 Fax 202-481-4434 martin.selander@sba.gov U.S. Commercial Service Nevada USEAC of Las Vegas 300 S. Fourth St., suite 400 Las Vegas (702) 388-6469 Director Martin Herbst (702) 540-0518 martin.herbst@trade.gov Senior International Trade Specialist Hector Rodriguez (702) 388-6694 hector.rodriguez@trade.gov Nevada USEAC of Reno/Carson City 808 W. Nye Lane Carson City Director Janis Kalnins (775) 301-0037 janis.kalnins@trade.gov

SBA financing assistance helped Steve Harrington, president of Retro Manufacturing, expand his facility and export his products made in Henderson. Retro Manufacturing makes

over 2,000 types of bezels and knobs for classic vehicle restoration.

Economic Development Churchill Economic Development Authority 448 W. Williams Ave., suite 103 Fallon (775) 423-8587 Fax (775) 423-1759 cedaattracts.com EDAWN – Economic Development Authority of Western Nevada Greater Reno, Sparks, Tahoe region (775) 829-3700 edawn.org Governor’s Office of Economic Development (800) 336-1600 diversifynevada.com Highway 95 Regional Development Authority Churchill, Mineral, and Pershing counties

(775) 423-8587 hwy95rda.com Las Vegas Global Economic Alliance Greater Clark County (702) 791-0000 lvgea.org Nevada Regional Economic Development (702) 889-9595 eb5nv.com Northern Nevada Development Authority Carson, Douglas, Lyon, and Storey counties (775) 883-4413 nnda.org

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LOCAL BUSINESS ASSISTANCE

Need financing? Loan Fee Relief

To encourage lending to members of the military community who want to start or grow their business, the SBA reduces upfront guarantee fees on select loans. That means the cost savings will be passed down to you, the eligible veteran or qualifying military member. Ask your local SBA district office or SBA Lender about the Veterans Advantage program. Have an employee who was called to active duty? You may 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 district office or SBA Lender about the Military Reservist Economic Injury Disaster Loan. Interested in contracting? Veteran-owned and service-disabled veteran-owned small businesses interested in federal contracting receive training from the Veteran Institute for Procurement, which offers a platform with three training programs to assist veterans. Visit nationalvip.org . VIP Start Enter the federal market and become ready for procurement. Nearly 200 veteran-owned businesses from 29 states plus Washington, DC have graduated from the program. VIP Grow Strategize to expand and operate within the federal marketplace. More than 700 veteran-owned businesses from 42 states plus DC and Guam have graduated from this program. 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. For more 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 .

HOW THE SBA HELPED US SUCCEED Margot Adam Langstaff, left, and Elisa Hamill, right, sought assistance from their local Veterans Business Outreach Center, which helped them better compete for government contracts. LifeHealth of Littleton, CO has expanded to more than 30 states with offices in Washington, DC and San Antonio, TX. Their clients include the Department of Defense, the National Guard, and the Indian Health Service. They also expanded their business using an SBA-backed line of credit for $350,000. Margot started her career as an Army medic, eventually running one of the largest outpatient clinics in the Northeast at Ft. Devens, MA.

Opportunities for Veterans

Members of the military community can start and grow their small businesses with the help of SBA programs.

Need entrepreneurship training? In Boots to Business, you explore business ownership and other self- employment opportunities while learning key business concepts. You will 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. Who’s eligible? Service members transitioning out of active duty and military spouses. Are you a veteran or member of the National Guard or Reserve or a military spouse? Boots to Business: Reboot teaches this entrepreneurship curriculum off base and in local 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 of service members through these SBA-funded programs: » 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 Bootcamp for Veterans with Disabilities in Syracuse, New York » Veterans Entrepreneurship Program at the Riata Center for Entrepreneurship, Spears School of Business, Oklahoma State University in Stillwater, Oklahoma » Veteran Entrepreneurship Jumpstart at St. Joseph’s University in Philadelphia, Pennsylvania » Dog Tag Inc., affiliated with Georgetown University in Washington, DC

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LOCAL BUSINESS ASSISTANCE

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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Online Resources Find free short courses and learning tools to start and grow your small business at sba.gov/learning . The free SBA Online Learning Center is a great resource for every entrepreneur, especially rural business owners looking for easy access to vital business training. Courses include: • writing your business plan • buying a business • financing options • digital and traditional marketing to win customers • disaster recovery • understanding your customer Native American Workshops Tribal enterprises and business organizations can receive training at an SBA Entrepreneurial Empowerment Workshop. These workshops cover business concepts important for starting, growing, or expanding a small business. RedWind instructors identify and help participants avoid common pitfalls. Learn how to prepare a business plan, gain access to capital, and basic book keeping. Request a workshop in your area by visiting nativesmallbusiness.org . Entrepreneurial Resources

Visit sba.gov/learning for free courses and learning tools to start and grow your small business.

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LOCAL BUSINESS ASSISTANCE

Write your Business Plan

Your business plan is the foundation of your business. Learn how to write a business plan with the help of an SBA Resource Partner. TRADITIONAL BUSINESS PLAN FORMAT

When you write your business plan, you don’t have to stick to the exact business plan template. Instead, use the sections that make the most sense for your business and your needs. Executive Summary Briefly summarize your company and why it will be successful. Include your mission statement, your product or service, and basic information about your company’s leadership team, employees, and location. You should also include financial information and high-level growth plans if you plan to ask for financing. Company Description Go into detail about the problems your business solves. Be specific as to audience and location. List out the consumers, organizations, or businesses your company plans to serve. Explain the competitive advantages you have that will make your business successful. Are there experts on your team? Have you found the perfect location? Your company description is the place to boast about your strengths. Market Analysis Demonstrate a solid understanding of your industry outlook and tar- get market. This is where it pays to partner with an experienced busi- ness counselor fromyour local Small Business Development Center, SCORE, Women's Business Center, or Veterans Business Outreach Center—all these SBA Resource Partners provide free or low-cost business assistance. Competitive research will showwhat other busi- nesses are doing and their strengths. In your market research, look for trends and themes. What do successful competitors do? Why does it work? Can you do it better? Now's the time to answer these questions. Organization and Management

Business plans help you run your business. A good business plan guides you throughmanaging your business. You’ll use your business plan as a roadmap for how to structure, run, and grow your new business. Business plans can help you get funding or bring on new business partners. Investors want to see a return on their investment. Your business plan is the tool you’ll use to convince people that working with you—or investing in your company—is a smart investment. Brain storm with a business counselor (visit one of our SBA Resource Partners detailed on page 10) and write a traditional business plan , which uses a standard structure and detailed sections. Once you've got it all down, you can then condense it to a lean startup business plan, which typically contains key points on only one page.

Explain how your com- pany will be structured and who will run it. Describe the legal structure of your busi- ness. Statewhether you have or intend to incor- porate your business as a C or an S corporation, forma general or limited partnership, or if you're a sole proprietor or limited liability company.

Want to see an example of a business plan? View examples of business plans at sba.gov/business-guide/plan/ write-your-business- plan-template

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LOCAL BUSINESS ASSISTANCE

LEAN STARTUP PLAN FORMAT Write a lean startup plan if requested from an investor, or if your business is relatively simple or you plan to regularly change and refine as you go. Lean startup plans use more visual organization tools and only a handful of elements to describe your company’s value proposition, infrastructure, customers, and finances. They’re useful for visualiz- ing your company's fundamental facts. Your business counselor can help you edit down into the Business Model Canvas, used here—the most well known style, or another lean startup template. Key Partnerships Note the other businesses you’ll work with--suppliers, manufactur- ers, subcontractors, and similar strategic partners. Key Activities List the ways your business will gain a competitive advantage. Will you sell direct to consumers or use technology to tap into the sharing economy? Key Resources List resources you’ll leverage to create value for your customer. Your most important assets include staff, capital, or intellectual property. Leverage business resources that might be available to women, veterans, Native Americans, and HUBZone–certified businesses. Value Proposition Make a clear and compelling statement about the unique value your company brings to the market. Customer Relationships Describe how customers will interact with your business. Think through the customer experience from start to finish. Is it auto- mated or personal? In person or online? Customer Segments Name your target market. Your business won’t be for everybody; it’s important to have a clear sense of who you serve. Channels List the most important ways you’ll talk to your customers. Cost Structure Will your company focus on reducing cost or maximizing value? Define your strategy, then list the most significant costs you’ll face. Revenue Streams Explain how your company makes money: direct sales, member- ships fees, selling advertising space? If your company has multiple revenue streams, list them all.

Use an organizational chart to show the hierarchy. Explain how each person’s experience will contribute to the success of your venture. Consider including CVs of key members. Service or Product Line Describe what you sell or what service you offer. Explain how it ben- efits your customers and the product lifecycle. Share your plans for intellectual property, like copyright or patent filings. If you're doing research and development for your service or product, explain it. Marketing and Sales Your marketing strategy should evolve and change to fit your needs in each context. Describe how you'll attract and retain customers. Show how a sale will actually happen. You'll refer to this section later when you make financial projections, so be thorough. Funding Request If you're asking for funding, outline your funding requirements. Specify whether you want debt or equity and the terms you'd like. Your goal is to clearly explain how much funding you’ll need over the next five years and how the investment will be used. Specify if you need funds to buy equipment or materials, pay salaries, or cover specific bills until revenue increases. Explain how ❒ Executive summary ❒ Company description ❒Market analysis ❒ Organization and management ❒ Service or product line ❒Marketing and sales ❒ Funding request ❒ Financial projections ❒ Appendix TRADITIONAL BUSINESS PLAN CHECKLIST

you'll pay off the debt. Financial Projections

Supplement your funding request with a prospective financial outlook for the next five years. Show how your business will be a financial success. If your business is already established, include income state- ments, balance sheets, and cash flow statements for the last three to five years. List collateral you could put against a loan. Include forecasted income statements, balance sheets, cash flow statements, and capital expenditure budgets. For the first year, be even more specific and use quarterly—or even monthly —projections. Make sure to clearly explain your projections and match them to your funding requests. Use visual organization tools--graphs and charts—to tell your business's financial story. Appendix Here you'll attach supporting documents or other requested materials. Common items to include are credit histories, CVs, product pictures, letters of reference, licenses, permits, patents, legal documents, and other contracts.

LEAN STARTUP PLAN CHECKLIST

❒ Key partnerships ❒ Key activities ❒ Key resources ❒ Value proposition ❒ Customer relationships

❒ Customer segments ❒ Channels ❒ Cost structure ❒ Revenue streams

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