Small Business resource guide ILLINOIS EDITION 2020–2021
START GROW EXPAND YOUR BUSINESS
Small Business Resource Guide 1
2 U.S. Small Business Administration
CONTENTS Illinois Edition 2020–2021
Local Business Assistance
26 National Success Story Jennifer and Jeff Herbert’s meadery has expanded into a multimillion dollar enterprise thanks to SBA assistance. 29 SBA Lenders 33 Need Financing? 34 Go Global with International Trade 36 R&D Opportunities for High Growth Startups 38 National Success Story
Local Success Story With guidance fromher local Small Business Development Center and SBA Lender, Molly Meyer positioned her small business to expand in a Chicago Opportunity Zone, helping create economic possibility for her community.
11 Local SBA
15 Your Advocates 16 How to Start a Business 20 Entrepreneurial Resources 22 Opportunities for Veterans 24 Workforce Recruitment 25 Emerging Leaders
Cheeseburger Baby owner Stephanie Vitori persevered through a financial storm and a natural disaster.
42 Surety Bonds
44 National Success Story Jennifer Rahn steers the course for Admiral Engineering, succeeding as a small business subcontractor. 48 SBA Certification Programs 49 Woman-Owned Small Business Certification
ON THE COVER Omni Ecosystems Founder & CEO Molly Meyer, courtesy of Omni Ecosystems; Jeff and Jennifer Herbert, courtesy of Superstition Meadery; Arthur and Sandra Johnson, courtesy of the SBA; Stephanie Vitori, courtesy of the SBA
Small Business Resource Guide 3
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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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 email@example.com DIRECTOR OF MARKETING Paula Panissidi Tavares firstname.lastname@example.org
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6 U.S. Small Business Administration
SBA Illinois District Office 500 W. Madison St., suite 1150 Chicago, IL 60661 (312) 353-4528 Fax (312) 886-5688 @SBA_Illinois sba.gov/il Springfield Office 3330 Ginger Creek Road, suite B-east Springfield, IL 62711 (217) 747-8249
W elcome to the 2020-2021 edition of the U.S. Small Business Administration’s Illinois Small Business Resource Guide. If you’re a dreamer with an idea in Chicago, a seasoned entrepreneur in Peoria, or anywhere in between, the SBA Illinois District Office supports your small business at all stages in the business lifecycle. 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. To get started, visit an SBA office or one of our SBA Resource Partners. Starting on pg. 9 you will find listings for free or low-cost business advisers, which includes Small Business Development Centers, SCORE mentors, Women’s Business Centers, and the Veterans Business Outreach Center. Interested in small business financing? Find out if SBA-backed financing is right for you by consulting with an SBA specialist at one of our partner lending institutions, listed in the green Funding Programs section. This guide also details SBA disaster assistance loans and SBA-backed loans exclusively for small business exporting. If you are interested in getting started in government contracting, read about SBA certifications and our business development programs. SBA programs and services help you better compete in the public marketplace. We’re also helping create economic possibility in low-income communities. The SBA works with the U.S. Department of Housing and Urban Affairs to increase investments in Opportunity Zones located in our district, often expanding fromHistorically Underutilized Business Zones. Opportunity Zones provide a tax break in which investors can use capital gains to support long-termeconomic development. Small businesses employ 2.5million Illinois residents, or 45%of all workers in the state. If you want to be your own boss, Illinois is a great place to launch a small business. Stay up to date on SBA events near you and get valuable local business information by following us on Twitter at @SBA_Illinois. Register for email updates at sba.gov/updates . As our community continues its recovery from the health, social, emotional and economic effects of the Coronavirus pandemic, we hope you know you can continue to count on the SBA for small business assistance. We're in this together.
District Director Robert “Bo” Steiner (312) 353-5031 email@example.com Deputy District Director Mark Ferguson (312) 353-5430 firstname.lastname@example.org Springfield BranchManager Fernanda “Fhernie” Pedraza-Schmitt (217) 747-8247 email@example.com Public Affairs Specialist
Supervisory Business Development Specialist Rosalyn Putman (312) 353-5037 firstname.lastname@example.org Business Development Specialists Lolitha McKinney (312) 353-5850 email@example.com Lead Economic Development Specialist Carole Harris (312) 353-4003 firstname.lastname@example.org Economic Development Specialist Stephen Konkle (312) 886-4208 email@example.com Phyllis Shelton (312) 353-4519 firstname.lastname@example.org Outreach & Marketing Specialist Darrah Perryman (312) 353-7076 email@example.com District Support Assistant
Jessica Mayle (312) 886-0409 firstname.lastname@example.org Supervisory Lender Relations Specialist
Robert Esquivel (312) 353-6557 email@example.com Lender Relations Specialists Patrick Piorkowski (312) 353-5060 firstname.lastname@example.org Charles White (217) 747-8248 email@example.com Administrative Officer Sheila Bartolomei (312) 886-1022 firstname.lastname@example.org District Support Assistant Lenore Rodgers (312) 353-4385 email@example.com
Luz Rodriguez (312) 353-4528 firstname.lastname@example.org
Robert Steiner District Director
Small Business Resource Guide 7
LOCAL BUSINESS ASSISTANCE
Molly Meyer Founder & CEO , Omni Ecosystems Chicago, IL How I Did It
8 U.S. Small Business Administration
LOCAL BUSINESS ASSISTANCE
W ith guidance from her local Small Business Development Center and SBA Lender, Molly Meyer positioned her small business to expand in a Chicago Opportunity Zone, helping create economic possibility for her community. Omni Ecosystems is an American green roof company that designs, constructs, and manages working landscapes, including green roofs, green walls, and advanced stormwater management soils. Molly wanted her small business to capitalize on local SBA assistance so her team and community could benefit. The SBA works with the U.S. Department of Housing and Urban Affairs to increase investments in Opportunity Zones, which often expand from Historically Underutilized Business Zones. Opportunity Zones provide a tax break in which investors can use capital gains to support long-term economic development. What challenge did you have? I always wanted to expand here in Chicago and make a difference in my community. We’ve outgrown three buildings already, and I wanted to transition from renting to owning. As a small cutting-edge business in operation for 10 years, we had collateral and a solid credit history, but it still wasn’t enough. I couldn’t find traditional financing to build the headquarters we needed, one that would give us the capacity to continue growing. Access to capital is always a challenge for a small business. What was the SBA solution? SBA Resource Partners across the state offer mentoring, counseling, and training for free or low cost to help busy entrepreneurs. I consulted the Illinois Small Business Development Center at Greater Southwest Development Corp. so that I could continue making strategic business decisions. My business adviser directed me to grants from Chicago’s Small Business Improvement Fund, which is how I learned about SBA services. The SBA guarantees loans made by lenders to small businesses that cannot find financing elsewhere. Omni Ecosystems qualified for a long-term, fixed-rate SBA-backed 504 Certified Development Company loan through Fifth Third Bank and Growth Corp., which enabled us to expand. What benefit did this have for you? Our new 50,000-square-foot facility on the South Side provides meaningful employment and meets our needs for office and research space, as well as a rooftop showcase for our cutting-edge products. With the help of my SBDC adviser, I’ve scaled up project size and complexity. Omni Ecosystems now employs 24 people with benefits. Our products and services have gained national clients, including Harvard Business School, McDonald’s, and the Indiana Pacers. We also have space to innovate. Omni created a new type of soil with a higher capacity for stormwater management, which allows us to build lighter green roof systems that require less structural capacity. Success has also given me the opportunity to invest in my community. Omni Ecosystems has provided paid internships for over 125 young adults from Chicago's west and south sides through a partnership with Urban Habitat Chicago. Urban rooftop gardens and crop fields offer so many possibilities to teach students science, math, and entrepreneurship. The green infrastructure industry is booming and we’re so proud to be at the forefront of that here in Chicago.
Small Business Resource Guide 9
LOCAL BUSINESS ASSISTANCE
SBA Resource Partners No matter your industry, location or experience, if you have a dream, the SBA is here to help you achieve it. Our SBA Resource Partners offer mentoring, counseling, and training to help you start up and thrive at all stages of the business life cycle. These independent organizations operating across the United States and U.S. territories are funded through SBA cooperative agreements or grants.
950 + 100 300 + +
SMALL BUSINESS DEVELOPMENT CENTERS
Achieve your dream of business ownership and remain competitive in an ever-changing global economy with assistance from your local SBDC. Access free counseling and free or low- cost training on topics like regulatory compliance, technology development, and international trade. Find an SBDC adviser at sba.gov/sbdc .
Join the ranks of other business owners who have experienced higher revenues and increased growth thanks to SCORE, the nation’s largest network of volunteer business mentors. Experienced executives share real-world knowledge to fit your busy schedule. SCOREmentors are available for free as often as you need, in person, via email or over video chat. Find amentor at sba.gov/score .
WOMEN’S BUSINESS CENTERS
Women entrepreneurs receive business counseling and training from this national network of community-based centers. Each center tailors its services to help you navigate the challenges women often face when starting or growing a business. To learn about SBA resources for women visit sba.gov/women .
VETERANS BUSINESS OUTREACH CENTERS
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.
10 U.S. Small Business Administration
LOCAL BUSINESS ASSISTANCE
SBA’s Resource Partners are independent organizations funded through SBA cooperative agreements or grants. Our Local SBA Resource Partners
CHAMPAIGN Champaign County EDC 1817 S. Neil St., suite 100 (217) 378-8535 Don Elmore email@example.com
CHICAGO 36 Squared
3636 S. Iron St. (312) 933-6556 Andrew Fogaty firstname.lastname@example.org Bethel New Life West Side Forward (773) 473-7879 email@example.com Build Bronzeville 5016 S. Prairie Ave. (773) 891-4688 Lauren Amos firstname.lastname@example.org Chicagoland Chamber of Commerce 410 N. Michigan Ave., suite 900 (312) 494-6790 Stacey Caldwell email@example.com Chinese Mutual Aid Association 1016 W. Argyle St. #3715 (773) 784-2900 Thomas Choi firstname.lastname@example.org Economic Strategies Development Corp. 1843 S. Carpenter St. (312) 733-2287 Joseph De La Garza email@example.com Far South CDC 9923 S. Halsted St. (773) 941-4833 Kathryn Jackson
Arthur and Sandra Johnson, owners of 21 Short Stop in Georgia, received assistance from their local Small Business Development Center and SCORE chapter.
Small Business Development Centers Call first to schedule an appointment. Illinois SBDC State Office Department of Commerce and Economic Opportunity 500 E. Monroe St. Springfield (217) 524-5700 State Director Mark A. Petrilli firstname.lastname@example.org BLOOMINGTON Illinois Wesleyan University State Farm Hall 354 1402 Park St. (309) 556-3490 Karen Bussone email@example.com
firstname.lastname@example.org Greater Englewood CDC 815 W. 63rd St., fourth floor
(773) 651-2400 Tamora Hughes email@example.com Greater Southwest Development Corp. 2601 W. 63rd St. (773) 436-1000 Andrew Fogaty firstname.lastname@example.org Illinois Hispanic Chamber of Commerce 222 Merchandise Mart, suite 1212 (312) 425-9500 Silvia Bonilla email@example.com
CARBONDALE SIU-Carbondale 1740 Innovation Drive (618) 536-2424 Greg Bouhl firstname.lastname@example.org
AURORA Waubonsee Community College 18 S. River St., room 268
(630) 906-4143 Harriet Parker email@example.com
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LOCAL BUSINESS ASSISTANCE
EDWARDSVILLE SIU Alumni Hall 2126 (618) 650-2929 Jo Ann Di Maggio May
firstname.lastname@example.org SIU East St. Louis 601 James R Thompson Blvd., building D, room 1017 (618) 482-8329 ELGIN Elgin Community College 1700 Spartan Drive, building E, room E105.03 (847) 214-7488 Sara Troyer email@example.com
Women’s Business Centers Women’s Business Development Center Chicago 8 S. Michigan Ave., suite 400 (312) 853-3477 WBDC Aurora 43 W. Galena Blvd. (630) 896-3115 firstname.lastname@example.org
FOREST PARK Joseph Business School 7600 W. Roosevelt Road (708) 697-6234 Melissa Brown email@example.com
firstname.lastname@example.org Blanca Berthier email@example.com
GLEN ELLYN College of DuPage 535 Duane St. (630) 942-2771 Ute Westphal firstname.lastname@example.org
Industrial Council of NW Chicago 320 N. Damen Ave., suite 100 (312) 433-2373 Merly Thomas email@example.com Little Village Chamber of Commerce
YWCA Metro Chicago 6600 S. Cottage Grove (773) 496-5659 x2659 Vince Williams firstname.lastname@example.org
DANVILLE Danville Area Community College
3610 W. 26th St. (312) 853-3477 Alejandra Fajardo email@example.com Puerto Rican Cultural Center Humboldt Park 2606 W. Division St. (773) 698-7233 Carlos Bosques firstname.lastname@example.org Rogers Park Business Alliance 1448 W. Morse Ave. (773) 508-5885
GRAYSLAKE College of Lake County 19351 W. Washington St. (847) 543-2750 Mitch Bienvenue email@example.com HARRISBURG Southeastern Illinois College 3575 College Road (618) 252-5001 Lori Cox firstname.lastname@example.org
2000 E. Main St. (217) 442-7232 Carol L. Nichols email@example.com
DIXON Sauk Valley Community College
173 IL Route 2 (815) 835-6244 Kim Ewoldsen firstname.lastname@example.org
Curtis Roeschley email@example.com South Shore Chamber of Commerce 1750 E. 71st St. (773) 955-9508 firstname.lastname@example.org Women’s Business Development Center 8 S. Michigan Ave., suite 400
EAST HAZEL CREST South Suburban Economic
JOLIET Joliet Junior College 1215 Houbolt Road (815) 280-1400 Mike Wilczynski email@example.com
Growth Initiative 1920 W. 174th St. (708) 232-3161 Vicki Brown firstname.lastname@example.org
(312) 853-3477 Maura Mitchell email@example.com
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LOCAL BUSINESS ASSISTANCE
Decatur Chapter Millikin University 1184 W. Main St. (217) 424-6297 decatur.score.org Fox Valley Chapter 1120 E. Diehl Road Naperville (630) 692-1162 foxvalley.score.org North Cook & Lake Counties Chapter 1954 First Ave., suite 193 Highland Park (224) 372-3432 northchicago.score.org Peoria Chapter 100 SW Water St. (309) 676-0755 peoria.score.org
MACOMB WIU 305 Seal Hall 1 University Circle (309) 298-3040 Jim Boyd firstname.lastname@example.org
STREATOR Starved Rock Country Alliance 350 Fifth St., suite 262 (844) 369-8898 Amy Lambert email@example.com ULLIN Shawnee Community College 8364 Shawnee College Road (618) 634-3231 Greg Mason firstname.lastname@example.org SCORE Visit sba.gov/score to start working on your business goals. Contact your local office to schedule an appointment. Chicago Chapter 500 W. Madison St., suite 1150 (312) 353-7724 chicago.score.org
MCHENRY McHenry County College 4100 W. Shamrock Lane (815) 479-7677 Mark Butler email@example.com
MOLINE WIU-Quad Cities 3300 River Drive, complex C, room 1420F (309) 762-3999 x62243 Ann Friederichs firstname.lastname@example.org
PEORIA Bradley University Business & Engineering Complex 1501 W. Bradley Ave.
O'Connor Belting, a Delaware family-owned business, expanded with the help of an SBA-guaranteed 7(a) loan.
Veterans Business Outreach Centers Veteran entrepreneurs or small business owners can receive business training, counseling andmentoring, 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. Veterans Business Resource Center (314) 531-8387 vetbiz.com Wisconsin Women’s Business Initiative Corp. (414) 263-5450 wwbic.com
(309) 677-4989 Eric Sampson email@example.com
RICHTON PARK Women’s Business Development Center
South Suburbs 4137 Sauk Trail (312) 853-3477 Tasha Brown firstname.lastname@example.org
ROCKFORD Rockford Chamber of Commerce 8500 E. State St. (815) 316-4301 Mike Mastroianni email@example.com SCHAUMBURG Harper College 650 E. Higgins Road, suite 18N (847) 925-6570 Tom Cassell firstname.lastname@example.org SPRINGFIELD Lincoln Land Community College 130 W. Mason St., room 216 5250 Shepherd Road (217) 786-4530 Kevin Lust email@example.com
Small Business Resource Guide 13
14 U.S. Small Business Administration
LOCAL BUSINESS ASSISTANCE
Your Advocates The SBA offices of advocacy and ombudsman are independent voices for small business within the federal government.
To report how a proposed federal regulation could unfairly affect you, contact advocacy.sba.gov . To submit a comment about how your business has been hurt by an existing regulation, visit sba.gov/ombudsman/ comments .
Advocacy When you need a voice within the federal government for your interests as a small business owner, SBA advocates are here to assist. They analyze the effects of proposed regulations and consider alternatives that minimize the economic burden on small businesses, governmental jurisdictions, and nonprofits. The office, advocacy.sba.gov , helps with these small business issues: » if your business could be negatively affected by regulations proposed by the government » when you need economic and small business statistics The SBA Office of Advocacy also independently represents small business and advances its concerns before Congress, the White House, and federal agencies.
Ombudsman Entrepreneurs who have an issue with an existing federal regulation or policy receive assistance from the SBA national ombudsman. The ombudsman’s office helps you: » resolve regulatory disputes with federal agencies » reduce unfair penalties and fines » seek remedies when rules are inconsistently applied » recover payment for services done by government contractors Make your voice heard by participating in a Regional Regulatory Enforcement Fairness Roundtable or a public hearing hosted by the SBA national ombudsman. These events are posted periodically 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.
Small Business Resource Guide 15
LOCAL BUSINESS ASSISTANCE
Adriana Medina, owner of Fuerte Fitness, in Seattle, WA, received counseling from a SCORE mentor and a Women's Business Center adviser.
How to Start a Business in Illinois Thinking of starting a business? Here are the nuts & bolts.
Contact the local business license office where you plan to locate your business. You may not be per mitted to conduct business out of your home or engage in industrial activity in a retail district. » https://www2.illinois.gov/business/ registration-licenses-permits 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 abusinessowner, youshouldknowyour federal tax responsibilities andmakebusiness
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. Being out of compliance could leave you unprotected legally, lead to expensive penalties, and jeopardize your business.
Market Research 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.
16 U.S. Small Business Administration
LOCAL BUSINESS ASSISTANCE
An O’Fallon Casting Inc. employee at work in O’Fallon, MO. General Manager Vince Gimeno grew his business thanks to the Small Business Innovation Research Program.
» State Taxes https://www2.illinois.gov/rev/ businesses/Pages/default.aspx » Illinois Department of Revenue Regional Offices Chicago James R. Thompson Center 100 W. Randolph St., seventh floor (800) 732-8866 Des Plaines Maine North Regional Building 9511 Harrison Ave. (847) 294-4200 Fairview Heights 15 Executive Drive, suite 2 (618) 624-6773 Marion 2309 W. Main St., suite 114 (618) 993-7650 Rockford 200 S. Wyman St. (815) 987-5210 Springfield Willard Ice Building 101 W. Jefferson St. (800) 732-8866 or (217) 782-3336
Downers Grove 2001 Butterfield Road (630) 493-5291 Fairview Heights 380 Fountain Office Court (618) 589-7399 Galesburg 2066 Windish Drive (309) 315-5075 Orland Park 14479 John Humphrey Drive (708) 873-8310 Peoria 2415 W. Cornerstone Court (309) 621-7273 Quincy 3701 E. Lake Centre Drive (217) 224-8208 Rockford
decisions tocomplywith tax requirements. The IRSSmall Business andSelf-Employed TaxCenter, irs.gov/businesses/small- businesses-self-employed , includes informationonpayingandfiling income tax andfindinganEmployer IDNumber. As the IRS continues to implement some of the Tax Cuts and Jobs Act provisions, your tax obligations may change. For the latest tax reform updates that affect your bottom line, visit irs.gov/tax-reform . » IRS Tax Assistance Centers To make an appointment at any center call (844) 545-5640 Bloomington 301 S. Prospect Road (309) 556-5196 Champaign 310 W. Church St. (217) 398-5210 Chicago 230 S. Dearborn St. (312) 292-4912 Decatur 306 W. Eldorado (217) 619-7459
4920 E. State St. (779) 500-6808 Schiller Park
5100 River Road (847) 737-6688 Springfield 3101 Constitution Drive (217) 993-6783
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LOCAL BUSINESS ASSISTANCE
The Illinois On-Site Safety and Health Consultation Program helps Illinois businesses meet the federal OSHA health and safety regulations. For a free consultation for your small to medium sized businesses, visit illinois.gov/idol/ laws-rules/safety . 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 HealthOptions program at (800) 706-7893 or visit healthcare.gov/ small-businesses/employers . 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/
Kari Weigel provides educational services to rural communities through her Sylvan Learning Center in Fargo, ND, which she expanded with the help of SBA-backed financing.
association-health-plans . Environmental Regulations
State assistance is available for small businesses thatmust complywith
I-9. Visit e-verify.gov , call (888) 464-4218 or email firstname.lastname@example.org. Health & Safety All businesses with employees are required to comply with state and federal regulations regarding the protection of employees, visit employer.gov and dol. gov . 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 . The Illinois Department of Labor promotes and protects the rights, wages, welfare, working conditions, safety and health of Illinois workers through the administration and enforcement of more than 20 labor and safety laws. Chicago Michael A. Bilandic Building 160 N. LaSalle, 13th floor (312) 793-2800 Marion Regional Office Building 2309 W. Main St. (618) 993-7090 Springfield 900 S. Spring St. (217) 782-6206
18 U.S. Small Business Administration employers to determine the employment eligibility of new hires by verifying the Social Security number and employment eligibility information reported on Form central . For forms, see uscis.gov/forms . For the employer hotline call (888) 464-4218 or email Iemail@example.com. E-Verify is the quickest way for Social Security If you have any employees, including officers of a corporation but not the sole proprietor or partners, youmust 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 Reformand Control Act of 1986 requires employers to verify employment eligibility of new employees. The lawobligates an employer to process Employment Eligibility Verification Form I-9. TheU.S. Citizenship and Immigration Service offers information and assistance through uscis.gov/i-9-
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 complywith environmental regulations and permitting requirements. These state programs can help businesses reduce emissions at the source, often reducing regulatory burden and saving youmoney. To learnmore about these free services visit nationalsbeap.org/states/list . » Environmental Protection Agency Small Business Division epa.gov/resources-small-businesses 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 programand collect 75%of support nationwide through
LOCAL BUSINESS ASSISTANCE
» 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 Economic Development Businesses and entrepreneurs can receive assistance through programs and services offered by the Illinois Department of Commerce and Economic Opportunity, illinois.gov/dceo . If you’re looking to locate or expand in Illinois, check out the Enterprise Zone and High Impact Business designations, tax increment financing, and other recruitment and training resources. Innovators and minority entrepreneurs also can receive business assistance. 100 W. Randolph St., suite 3-400 Chicago (312) 814-7179 TTY (800) 785-6055 500 E. Monroe St. Springfield (217) 782-7500 Export Assistance Export-Import Bank Midwest Regional Director Michael Howard (312) 353-8093 email@example.com Illinois Department of Commerce & Economic Opportunity Office firstname.lastname@example.org International Trade Centers Bradley University Business & Engineering Complex 1501 W. Bradley Ave. (309) 677-4989 Peoria (309) 677-3471 Jim Foley email@example.com Champaign County 1817 S. Neil St., suite 100 Champaign (217) 378-8535 Mariel Huasanga firstname.lastname@example.org of Trade & Investment Director Margo Markopoulos (312) 814-3116
College of DuPage 535 Duane St. Glen Ellyn (630) 942-3041 Jean Lin email@example.com Industrial Council of NW Chicago 320 N. Damen Ave., suite 100 Chicago (312) 433-7656 Enrique Rubio firstname.lastname@example.org
payroll deductions. You’re required to report all new and rehired employees to the State Directory of NewHires. If you have employees in two or more states, youmay register with the Department of Health and Human Services to report all your employees to one state. Find electronic income withholding orders and the Child Support Portal, which can be used to report information to nearly all child support agencies, at acf.hhs.gov/ programs/css/employer s. Send questions to email@example.com. Intellectual Property Patents, trademarks, and copyrights are types of intellectual property that serve to protect creations and innovations. For information and resources about U.S. patents and federally registered trademarks consult uspto.gov , call (800) 786-9199 or visit the Elijah J. McCoy Midwest Regional Office in Detroit, Michigan, uspto.gov/detroit . There are three types of patents: • Utility patents may be granted to anyone who invents or discovers any new and useful process, machine, manufacture, or composition of matter, or any new and useful improvement. • Design patents may be granted to anyone who invents a new, original, and ornamental design for a manufactured article. • Plant patents may be granted to anyone who invents or discovers and asexually reproduces any distinct and new variety of plant, other than a tuber propagated plant or a plant found in an uncultivated state. A trademark or servicemark includes any word, name, symbol, device, or any combination, used to identify and distinguish the goods/services of one provider fromothers. Trademarks and servicemarks may be registered at both the state and federal level. The U.S. Patent and Trademark Office only registers federal trademarks and servicemarks, which may conflict with and supersede state trademarks. Visit uspto.gov/trademarks . Copyrights protect original works of authorship including literary, dramatic, musical and artistic, and certain other intellectual works, such as computer software. Copyrights do not protect facts, ideas, and systems, although theymay protect theway they are expressed. For general information on copyrights, contact:
Joseph Business School 7600 W. Roosevelt Road Forest Park (708) 697-6289 Brian Butler firstname.lastname@example.org College of Lake County 19351 W. Washington St. Grayslake (847) 543-2306 Kevin Kim email@example.com SIU-Edwardsville Alumni Hall 2126 (618) 650-2452 Silvia Torres Bowman
firstname.lastname@example.org WIU-Quad Cities 3300 Riverfront, building C, 1420H Moline (309) 762-3999 x62243 Ann Friederichs email@example.com Women’s Business Development Center 8 S. Michigan Ave., suite 400 Chicago
(312) 853-3477 Bill McNamara firstname.lastname@example.org
SBA Office of International Trade Export Finance Manager Michael Fazio (202) 322-3352 email@example.com U.S. Export Assistance Center U.S. Commercial Service Chicago Office Director Hovan Asdourian (312) 886-8094 firstname.lastname@example.org Peoria Office Director Elizabeth Ahern 2165 BECC 1501 W. Bradley Ave. (309) 210-5551 email@example.com
Small Business Resource Guide 19
LOCAL BUSINESS ASSISTANCE
Regional Innovation Clusters Create jobs and grow the economy through an SBA Regional Innovation Cluster. Who should join Small businesses driving innovation in one of these tech industries: • advanced composites • agTech • bioscience • food processing • data sciences
Online Learning Find free short courses and learning tools to start and grow your small business at sba.gov/learning . The SBA’s free Online Learning Center is a great resource for every entrepreneur, especially rural business owners looking for easy access to vital business training. Courses include: • writing your business plan • understanding your customer • buying a business • marketing to win customers
• medical sciences • power and energy • unmanned aerial systems • water tech • wood products
• legal requirements • financing options • disaster recovery
How it works Each industry cluster is based in a geographic region. Your small business must be located in or near that region in order to join the cluster. For example, the AgLaunch Initiative cluster, which focuses on agricultural technology, is located in the Tennessee area. A small agTech business in or near Tennessee will connect with other agTech suppliers, service providers, and related institutions through that innovation cluster. How it benefits you Network with other industry innovators and connect with resources that will help your small business find funding. You’ll also receive guidance on how to better compete for government contracts and other opportunities for growth and expansion. Receive free technical and legal assistance to develop your tech and get it to market for government and industry buyers. Get involved Find an SBA Regional Innovation Cluster near you by visiting sba.gov/localassistance . Select the regional innovation clusters on the drop-down menu.
Native American Workshops Tribal enterprises and business organizations can receive entrepreneurial 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 .
20 U.S. Small Business Administration
SBA Regional Innovation Clusters
Autonomous & Unmanned Systems Cluster – Emerging Tech Ventures The Ozarks Cluster – Startup Junkie (Industry focus: Food processing, supply chain, & logistics) The Water Council Cluster Marine IndustryScience& TechnologyCluster BioSTL: St. Louis Biosciences Cluster Oklahoma-South Kansas Unmanned Aerial Systems Cluster The AppalachianOhioWoodProducts Cluster Conductor RIC in Healthcare, Education & Data/Decision Sciences – Startup Junkie Consulting
Integrative Business Services Inc. (Industry focus: Optics) Great Plains Technology & Manufacturing Cluster Montana Bioscience Cluster – Montana Technology Enterprise Center AgLaunch Initiative
3 4 5 6 7
Utah Advanced Material Manufacturing Initiative
Defense Alliance - LSI Business Development Inc. (Industry focus: Advanced Power and Energy)
Small Business Resource Guide 21
LOCAL BUSINESS ASSISTANCE
HOW THE SBA HELPED ME SUCCEED
AVMAC President/CEO Bert Ortiz, left, and fellow U.S. Navy veteran and electrician Ken Morey manufacturing a power panel bracket.
U.S. Navy veteran RobertoOrtiz puts his 40 years of aviation management experience to use as a small business owner in Chesapeake, VA. Bert expanded AVMAC Inc. into the government sector fulfilling aviation andmaritime logistical serviceswith the help of his local SBA Veterans Business Outreach Center. VBOCs are the first stop formilitary community entrepreneurs looking to start, grow, or expand a small business. The VBOC located at OldDominionUniversity helpedBert obtain government contracting business certifications. With support fromhis local VBOC, Bert has strategically positioned AVMAC in the federal marketplace to better compete for large-scale government contracts. From AVMAC’s first contract in 2010, this veteran-led company has nearly doubled in revenue and grown to over 400 employees.
Opportunities for Veterans
Military community members become more successful entrepreneurs with the help of the SBA.
For service-disabled veterans Learn how to start and grow a small
Government contracting Veteran-owned and service-disabled veteran-owned small businesses that want to better compete in the public market receive training from the Veteran Institute for Procurement, nationalvip.org . VIP Start Enter the federal market and become ready for procurement. VIP Grow Strategize to expand and operate within the federal marketplace. VIP International Enter or expand your federal and commercial contracting opportunities overseas. Get certified Learn about the service-disabled veteran- owned small business certification program on page 50. Need assistance? Veteran and military entrepreneurs receive business training, counseling, and referrals to other SBA Resource Partners at a Veterans Business Outreach Center, sba.gov/vboc . For veterans business information visit sba.gov/veterans .
Entrepreneurship training In Boots to Business, explore business ownership and other self-employment opportunities while learning key business concepts. Walk away with an overview of entrepreneurship and applicable business ownership fundamentals, including how to access startup capital using SBA resources. Boots to Business is conducted on all military installations as part of the Department of Defense’s Transition Assistance Program. Who’s eligible? Service members transitioning out of active duty and military spouses. Boots to Business: Reboot, for veterans, National Guard or Reserve members and military spouses, teaches this entrepreneurship curriculum off base in communities. Register for either B2B program at https://sbavets.force.com . For women veterans Receive entrepreneurial training geared toward women veterans, service members, and spouses through these SBA-funded programs: » Veteran Women Igniting the Spirit of Entrepreneurship in Syracuse, New York » LiftFund in San Antonio, Texas
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
Financing Employee called to active duty?
You can receive funds that enable your business to meet ordinary and necessary operating expenses when an essential employee is called up to active duty in the military reserve. Ask your local SBA specialist or lender about the Military Reservist Economic Injury Disaster Loan.
22 U.S. Small Business Administration
Small Business Resource Guide 23
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.
24 U.S. Small Business Administration
LOCAL BUSINESS ASSISTANCE Emerging Leaders
Learn the skills to grow your small business in this seven-month course.
Accelerate Growth Small business executives looking to grow their business, create jobs, and strengthen their communities will find their next challenge
in the SBA Emerging Leaders program. This seven-month course offers about 100 hours of training and provides the opportunity for high-potential small business owners to work with experienced coaches and mentors while developing connections with peers, local leaders, and the financial community. How it benefits you Since the start of the program in 2008, Emerging Leaders graduates have reported creating over 6,500 jobs, gaining more than $300 million in new financing, and securing over $3.16 billion in government contracts. Participants produce a three-year strategic growth plan that connects them with the necessary tools and resources to reach major performance targets. What you learn The curriculum is research-based and nationally scalable, enabling you to engage in focused development and expansion strategies, including options for accessing new capital and securing government contracts. Who’s eligible Small businesses having annual revenues of at least $250,000, in business for at least three years, and with at least one employee.
HOW THE SBA HELPED ME SUCCEED When April Broderick wanted to expand into government contracting, she turned to the SBA. A&A Fire and Safety Co. in Cabot, AR serves the fire protection and service needs of businesses, schools, and fire departments across Arkansas. She took over from her father, Alan, in 2014, becoming one of the few women executives in her industry. With the help of the SBA Emerging Leaders program, April received business training and networking opportunities to help her better compete in the public marketplace. April committed to the program because she wanted to develop a three- year growth plan with business experts. Since graduating from Emerging Leaders, she has grown her business to six full-time employees, seven part time, with a projected 2019 revenue of $1.7 million.
Get involved To register online, visit sba.gov/ emergingleaders .
Small Business Resource Guide 25
FUNDING PROGRAMS Financing Your Small Business
Crafting a Business SBA-backed financing helped Superstition Meadery expand into a multimillion dollar enterprise. written by Becky Bosshart How We Did It
26 U.S. Small Business Administration
Solution Thanks to guidance from an SBA Resource Partner, the Small Business Development Center at Yavapai Community College, Jennifer and Jeff learned about financing that worked for them. The SBA guarantees loans made by lending institutions to small business that would not otherwise be able to obtain financing. Their small business qualified for two SBA-backed loans totaling more than $600,000. The Herberts’ first SBA-backed loan allowed them to acquire commercial property to design and build their mead production facility. Their second SBA-backed loan provided the funding for professional brewing equipment to complete their 7,450-square-foot production space. The Herberts recently purchased a historic building in downtown Phoenix, Arizona to open a mead-pairing restaurant. Benefit The Herberts started with two employees and now have over 20 producing 29,000 gallons this year. From a homegrown setup, Jennifer and Jeff are now charting revenue in excess of $2.6 million and distributing to 37 states, across Europe and Southeast Asia. They have plans for another expansion, including a shipping warehouse to manage their online retail and wholesale orders.
ennifer and Jeff Herbert’s home-based brewing has expanded into a global, multimillion dollar enterprise thanks to SBA
assistance. Using Arizona honey and ingredients they’ve sourced from around the world (such as Tahitian vanilla and Moroccan saffron), the Herberts are selling nearly 30,000 gallons annually of their honey-based fermented beverage. They operate a downtown Prescott, Arizona tasting room and state-of-the-art production facility, creating jobs and building a local craft industry. The Herberts, founding members of the American Mead Makers Association, have traveled around the world hosting pairing events and pouring at craft beverage festivals. Challenge The Herberts wanted to scale up their meadery while also staying true to their values of quality ingredients and craft process. It is often difficult for new entrepreneurs or unique concepts like a meadery to get traditional financing, even though they knew they had a great idea, the backing wasn’t there to expand. They say that choosing to do something new breaks the mold, which can be uncomfortable for traditional lenders.
5 Tips for Success Get guidance. Develop a working relationship with an SBA Resource Partner (see page 10). Your business adviser will help make your business ready for financing. Define your lending needs. Determine if a loan is right for you and if this is the right time. Define your needs. How much do you need? What are you going to use it for? Include this in your business plan. Keep clear records. Track your cash, inventory, accounts payable & receivable, payroll, sales, purchases, loans payable, owners’ equity, and retained earnings. Most lenders will want to see this data, balance sheets, and profit & loss statements for multiple years. Talk to multiple lenders Talk to multiple lenders and see who best matches your business. Lenders have different levels of risk and types of industries they take on. Check all options. SBA Lenders determine if you’re eligible for SBA financing programs based on your industry & experience, collateral, credit score, and the relationship & transparency you develop with the lending agent.
Jeff & Jennifer Herbert, owners of Superstition Meadery, completed their 7,450-square- foot production space and opened a tasting room in Prescott, AZ with the assistance of SBA-backed financing. See their story on YouTube by searching for the 2019 National Small Business Persons of the Year.
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