CATALOG OF PROGRAMS AND SERVICES
U.S. Small Business Administration COLORADO DISTRICT OFFICE
| 721 19 th Street, Suite 426
Denver, Colorado 80202
Telephone: (303) 844-2607
District Director Greg Lopez Deputy District Director Judy Witthohn Public Information Officer Amy McDowell Business Opportunity Specialist Lead Carolyn Terrell Surety Bonds Division Jen Meyerring
From the Director
“I truly believe that entrepreneurship is a part of who we are. The future of America is in the hands of small businesesses.“
Jose Martinez Karen Klam SBA Natural Resources Thomas Clarke Regional Advocate John Hart U.S. Export Assistance Center Br yson Patterson
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Small Business Adminstration (sba). © SBA 2012
We are proud to publish this catalog which outlines the numerous programs and events we have been able to offer through The U.S. Small Business Administration-Colorado District Office. The SBA is responsible for the delivery of sponsored programs and services throughout the 65 counties of the state of Colorado, approximately 541,927 small businesses. The District Office focuses on providing Coloradan entrepreneurs and potential entrepreneurs with access to small business assistance through SBA programs, products, and services. By working with our resource partners, business owners are able them access capital, training, and the counseling needed. Today, the SBA’s many business development and finance programs are capable of helping entrepreneurs prepare for the day when the economy takes a permanent upswing. The SBA’s Colorado District Office has a number of useful business development resources; including a statewide network of Small Business Development Centers, (SBDC’s), the Service of Corps of Retired Executives-volunteer business counselors, (SCORE), Women’s Business Center (WBC), and the U.S. Export Assistance Center in Denver, USEAC. Colorado is a place that embraces the entrepreneurial spirit, a spirit that presides within our businesses statewide. I truly believe that entrepreneurship is inherently a part of who we are. My greatest joy in being an SBA District Director is that I get the opportunity to meet with business owners and hear about their visions, aspirations, passion, and concerns-and then have the ability to help them. People are always amazed at the impact that small businesses have on our economy and how the SBA is willing and able to help in the time of need. The future of America is in the hands of small businesses. Moving forward, the SBA has positive thoughts for the economy and is optimistic that small businesses will thrive. If you are a small business owner, or are thinking about starting a new small business, browse through this catalog. We hope this catalog serves its purpose, as a complete reference guide to the many programs and services offered by the Colorado District Office-Small Business Administration and its many resource partners.
Contents About the SBA Introduction into the organization: discover its origin, mission, and values
Business Development Learn about current SBA Business Development programs and certification trainings
Financing Explore the many financing opportunities available through SBA sponsored programs and workshops
Government Contracting Learn how SBA affiliates can assist you in qualifying for government contracts
Exporting Opportunities Looking to take your business to the next level? Learn about our exporting services
Advocacy & Counseling In need of advice or an ally? Learn from our industry expert counselors and regional advocate
SBA Programs A comprehensive view of the many workshops and trainings offered by SBA
Additional Resources Additional Online Resources/SBTV SBA Resource Affiliates
Appendix Meet Our Team Staff Directory
Business Development 4
5 5 9
12 9 13
About the SBA Who We Are The U.S. Small Business Administration (SBA) was created in 1953 as an independent agency of the federal government to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. We recognize that small business is critical to our economic recovery and strength, to building Americaâ€™s future, and to helping the United States compete in todayâ€™s global marketplace. Although SBA has grown and evolved in the years since it was established in 1953, the bottom line mission remains the same. The SBA helps Americans start, build and grow businesses. Through an extensive network of field offices and partnerships with public and private organizations, SBA delivers its services to people throughout the United States, Puerto Rico, the U. S. Virgin Islands and Guam.
What We Do Since its founding on July 30, 1953, the U.S. Small Business Administration has delivered millions of loans, loan guarantees, contracts, counseling sessions and other forms of assistance to small businesses. SBA provides assistances primarily through its four programmatic functions: 1. Access to Capital (Business Financing:) SBA provides small businesses with an array of financing for small businesses from the smallest needs in microlending --- to substantial debt and equity investment capital (venture capital) 2. Entrepreneurial Development (Education, Information, Technical Assistance Training): SBA provides free individual face-to-face, and internet counseling for small businesses, and low-cost training to nascent entrepreneurs and established small businesses in over 1,800 locations throughout the United States and US territories. 3. Government Contracting (Federal Procurement:) In keeping with the mandate of Section 15(g) of the Small Business Act, SBAâ€™s Office of Government Contracting sets goals with other federal departments and agencies to reach the statutory goal of 23 percent in prime contract dollars to small businesses. This office also provides small businesses with subcontracting procurement opportunities, outreach programs, and training. 4. Advocacy (Voice for Small Business): Created in 1978, this Office reviews Congressional legislation and testifies on behalf of small business. It also assesses the impact of the regulatory burden on behalf of small businesses. Additionally, it conducts a vast array of research on American small businesses and the small business environment. The Chief Counsel of this office is appointed by the President of the United States.
INTRODUCTION How to Use This Guide
BUSINESS DEVELOPMENT Caption : here
SBA has programs and resources for everyone, regardless of age, gender, race, and financial status. Explore the options to find out how SBA can help you turn your business idea into a viable enterprise or expand your current business for sustained success.
The 8(a) Business Development Program is an important resource for small businesses seeking business-development assistance. Named for Section 8(a) of the Small Business Act, this program was created to help small and disadvantaged businesses compete in the marketplace. It also helps these companies gain access to federal and private procurement markets. What is the Purpose of the 8(a) Business Development Program? The focus of the program is to provide business development support including: • Mentoring • Procurement assistance • Business counseling • Training • Financial assistance • Surety bonding • Other management and technical assistance
Business Development Programs
Women The Small Business Act authorizes contracting officers to specifically limit, or set aside, certain requirements for competition solely among women-owned small businesses (WOSBs) or economically disadvantaged women owned small businesses (EDWOSBs). This is referred to as the WOSB Program. These procurement mechanisms are meant to increase federal contracting opportunities for WOSBs and to assist agencies in achieving their women?owned small business goals. These procedures are implemented in the SBAâ€™s regulations, which can be found at 13 C.F.R. part 127. Although the SBA has issued a final rule on the WOSB program, the rule will not be effective for several months. In the 01 interim, the SBA can work with the Federal 8(a) Program Acquisition Regulatory Council and others in implementing the rule in the Federal Acquisition Regulations (FAR) and contracting systems. See Women-Owned Small Businesses for more information. Economically Disadvantaged Women-Owned Small Business An Economically Disadvantaged Women-Owned Small Business (EDWOSB) is a small business concern that is at least 51 percent directly and unconditionally owned and controlled by one or more women who are citizens (born or naturalized) of the United States and who are economically disadvantaged. The EDWOSB automatically qualifies as a 02 women-owned small business eligible for the WOSB/EDWOSB WOSB Program. A woman is presumed economically disadvantaged if she has a personal net worth of less than $750,000, her adjusted gross yearly income averaged over the three years preceding the certification does not exceed $350,000, and the fair market value of all her assets (including her primary residence and the value of the business concern) does not exceed $6 million. Women-Owned Small Business A Women-Owned Small Business (WOSB) is a small business concern that is at least 51 percent directly and unconditionally owned 03 and controlled by one or more women who Native Americans are citizens (born or naturalized) of the United States. Native Americans While the SBA doesnâ€™t certify Native-owned small businesses, it does certify small businesses considered to be socially and economically disadvantaged under the nine-year 8(a) Business Development Program. Native-owned businesses are presumed to be socially and economically disadvantaged. Moreover, the federal government does not require certification as a Native-owned small
7J Training Program
SBA FINANCING OPTIONS
SBA Financing Guarantee
Although the SBA indirectly loans money to borrowers, it plays a crucial role for people wishing to finance or grow their business. When you apply for a SBA-backed loan at your local bank or credit union, our lending networ enables us to expand access to cpaital. Loans offered include: 7(a), 504, Patriot Express, Exporting, Dealer Floor Plan, Expres, and International.*
receivable, inventory, and short term working capital needs. The guaranteed loans for exporting have many uses. They may be used for trade show attendance and specfic export purchase orders. •
504 Program: The 504 Program is a powerful economic development loan program that offers small businesses another avenue for business financing, while promoting business growth, and job creation. The 504 Loan provides approved small businesses with long-term, fixed-rate fianncing used to aquire fixed assets for expansion or modernization. 504 loans aregenerally for the funding of real estate, land improvements, lon-term machinery, or refinancing expansion-related debt.
Micro loans may be used for varying needs, but are generally smaller than $25,000
Various lenders in the state support the SBA guaranteed 7(a) program the Express programs and the export programs. There are also Micro Lenders and 504 CDC’s which offer SBA assisted loan products. Loan Programs Offered* •
7(a) Program: The 7(a) program is the most common loan offered and enables the broadest usage of proceeds. Eligibilty of the proceeds can be used for the purchase of equipment, term working capital (short & long), purchasing an existing business, as well as other business financing needs. To view the full conditionalities for this loan program as well as a detailed description, please visit:
Capline Program: Capline and Express programs can provide funding for accounts
The SBA also offers direct loans in the instance of disasters.
SBA Financing Programs
SURETY BONDS Other Financial Assistance
Disaster Relief Loans
Contracting (GC) Division at the SBA works with agencies to award 23% or more of prime contracts to small businesses.
The Office of Government Contracting (GC) works to create an environ Types of Contracts ment for maximum participation by small disadvantaged veteran-owned, and women-owned businesses in federal government contract awards There are two basic types of contracts: firm-fixed price and cost-reimand large prime awards. bursement. Procurement opportunities for small businesses can often be difficult to obtain. GC advocates on the behalf of small businesses in the federal procurement environment by working with agencies to ensure that no less than 23% of prime contracts are awarded to small businesses, the objective of the Goaling Program. Additionally, GC takes part in outreach and matchmaking events, as well as training to keep small business competitive agencies cognizant of business opportunities.
In a firm-fixed price contract, the contractor assumes all responsibility for risk as well as cost. Adjustments on the contractor’s cost are not permissible for the duration that the contract is binding. Firm-fixed price contracts are used for all sealed bid and various negotiation contracts.
Cost-reimbursement procurements provide payment for costs incurred by the contractor. A ceiling price is created in which the contractor may not exceed without permission of the contracting officer. This type of proWithin the overall prime-contracting goal of 23%, exists specific targets curement is used in research contracts with commerical applicability. which include an allotment of: • 5% designated to Women-Owned Small Businesses (WOSB) • 3% designated to Service-Disabled Veteran-Owned (SDVO) small Set-Asides businesses, • 5% designated to small disadvantaged businesses, Set-asides are procurements exclusively offered to small businesses. • 3% designated to HUBZone Firms Acquisitions between $3,000-$150,000 are automatically reserved for small businesses. If the procurement opportunity exceeds $150,000 and will be made at market prices, then it too will be marked as a set-aside. In Sealed Bidding versus Negotiation order to qualify, two or more small business concerns that are competitive must be met. Such conditions include: market price, quality, and delivery. There are two methods of implementing a contract: sealed bidding and negotiation. The two methods will briefly be discussed in the subsequent Subcontracting paragraphs. Both methods are in compliance of the Federal Acquisition Regulations, (FAR). For those not ready to become prime contractors, subcontracting is a The first of two, sealed bidding occurs when a procuring agency initia- great alternative that provides a great opportunity for businesses to be tes a bid through an invitation. The lowest biddder that meets the quan- part of a larger aquisition. Generally, prime contractors already have actity, quality, and delivery requirements is generally awarded the contract. cess to large procurement awards and subcontractors under the umbrella of an already established contractor can gain the access to the awards as Negotiation occurs when the firm that produces the best proposal well as gain valuable experience. regarding technical content, price, and other elements usually wins the contract.
SBA Programs & Events
What is Government Contracting?
list 230 federal agaencies-ask carolyn sbcds and score-hyperlink to their websites
Programs for contracting officers
Programs for business owners: PTAC certification
Small businesses looking to increase sales and profit are taking their businesses global. 96% of the world’s consumers with over two-thirds of the world’s purchasing power reside outside of the U.S. Where will your next customer come from?
What is Exporting?
Exporting can be a profitable way of expanding your business, spreading your risks and reducing your dependence on the local market. Exporting exposes you to new ideas, management practices, marketing techniques, and ways of competing that you wouldn’t have experienced by staying at home. All this considerably improves your ability to compete in the domestic market as well. By going overseas, you can become more efficient and increase your productivity. Companies who export have better growth prospects, highly skilled, highly productive staff and tend to adapt technology and best practice techniques faster.Even if you have a limited domestic market, you should consider exporting.
• • • • • •
Evaluating your product’s export potential; Determining if you are really willing to make a commitment to international markets and evaluating whether your company is “export-ready”; Identifying key foreign markets for your products through market research; Evaluating distribution and promotional options and establishing an overseas distribution system; Determining export prices, payment terms, methods, and techniques; Familiarizing yourself with shipping methods, export documentation procedures, export financing, and other requirements for exporting.
There are many good reasons to export: • reduced dependence on the domestic market; • diversified sources of revenue; • extended sales potential and product shelf life of existing products; and stabilized seasonal markets and sales fluctuations, to name a few.
Products able to be exported include goods, services and intellectual property (IP). A product does not need to physically leave the country in order to be considered an export, provided that it earns foreign currency. For example, in-bound tourism is an export, as is education. In recent years, rapid technological advances have also meant that intellectual capital can be transferred internationally, even without the Many banks in the U.S. do not provide working capital advances on export orders, originator leaving the country. export receivables or letters of credit. Because of that, some small businesses may lack necessary export working capital to support their export sales. That is where an Export success depends on having access to practical, reliable and up-to-date SBA program can make the difference. SBA provides lenders with up to a 90% guinformation and advice on markets, customer preferences, distribution and marketing aranty on export loans up to $5 million as a credit enhancement, so that the lenders practices, political issues, cultural requirements, legal problems, government assistan- will make the necessary export working capital available. ce programs, etc The SBA delivers its export loan program through a network of SBA Senior InThere are many ways to become involved in exporting, from filling orders for ternational Credit Officers located in U.S. Export Assistance Centers throughout the domestic buyers (such as export trading companies that then export the product) to country. These specialists understand trade finance and are available to explain SBA’s exporting products yourself. However you choose to export, the development of a export lending programs, the application process and forms and to guide exporters detailed and thorough strategy is an important part of the planning process. in selecting appropriate payment methods. They can also link companies to specialiSteps in developing a strategy include: sts for increasing export sales and managing foreign payment risk.
SBA Programs & Events
Recognize your potential to grow through exporting
SBA LOAN PROGRAMS
1. Export Express Loan Program • • • •
Fast and easy loans for small exporters Streamlined financing up to $500,000 Any business that has been in operation for at least 12 months is applicable Loan may be used for export development
The SBA partners with USEACs to provide comprehensive export guidance
2. Export Working Capital Program (EWCP) • • • •
Financing for supplier, inventory, or production of export goods Low fees and quick processing times Increased sales prospects in under-developed markets which have high capital costs for importers Permits increased competitiveness by allowing the exporter to extend more liberal sales terms
3. International Trade Loan Program •
Loans for fixed assests and working capital: acquistion, construction, renovations, modernization, improvement, expansion, and more Provides lender with a 90% guaranty on loans up to $5 million *For more information about SBA export loans, visit: www.sba.gov/content/export-loan-programs
The SBA offers three distinct loan programs to aid you in yout exporting ventures; additionally, counseling training, and support are also avaiable to support you
SBA Workshops & Training
SBA PROGRAMS Within the following section, browse through the available services offered by SBA resources partners; SCORE, SBDC’s, and the Women’s Business Center, who are all funded in part by the SBA.
PLEASE NOTE THAT THE PROGRAMS AND SERVICES LISTED WITHIN THIS CATALOGUE ARE SUBJECT TO CHANGE AT ANYTIME. IT IS ADVISED YOU CONTACT YOUR LOCAL OFFICE TO VERIFY THE EXISTENCE OF A PROGRAM.
Caption LEASE ALSO NOTE THAT THE PROGRAMS LISTED WITHIN THIS CATALOUGE ARE MODIFIABLE IN ORDER TO SUIT YOUR PROFESSIONAL NEEDS. PLEASE SUBMIT A REQUEST FOR SBA PARTIPCIPATION FORM, LISTING THE COURSE YOU WOULD LIKE TO HAVE MODIFIED OR CREATED
WORKSHOPS & TRAININGS
Take a look at some of our previous events and programs from the past few years.
SCO R E SCORE – Counselors to America’s Small Business – is a nonprofit association dedicated to entrepreneur education and the formation, growth and success of small business in the U. S.
SCORE Denver is a one-stop shop for entrepreneurs seeking to start their own business, as well as offering on-going assistance for already established small businesses. SCORE specializes in helping your business grow and prosper. We provide individual free counseling, cost effective seminars, in-depth business checkups and many other business-related services. SCORE’s all-volunteer membership has many years of varied business experience. Whether you want guidance in getting a business loan, learn the basics of writing a business plan, or seek to fine-tune your sales and marketing strategies, SCORE is waiting to assist you. Colorado SCORE not only mentored over 3000 clients in 2010, however their clients started 715 new businesses this past year. 856 new jobs were created from Colorado SCORE clients and at least 91% of SCORE’s 2010 clients remained in business in 2011. Of SCORE’s 2010 clients: • 46% are women • 34% are minorities • 15% are veterans Our counselors can meet you at your convenience or at any of our three SCORE locations in the Denver area. All of our counselors are pledged to total confidentiality and will not share any of your personal business information. Our only goal is to make your goal a reality! In 2009 SCORE clients started a total of 68,452 new businesses nationally. Why not take the steps to become a SCORE business success story?
Free Business Counseling
For more information, please vsit: www.score.org www.scoredenver.org or call: (303) 844-3985
SBA RESOURCE PARTNERS
SMALL BUSINESS DEVELOPMENT CENTERS There are 14 SBDC locations statewide. Some services offered by SBDC’s include consulting, seminars, as well as programs with resources within their network to better assist you. There are 14 SBDC locations statewide. Some services offered by SBDC’s include consulting, seminars, as well as programs with resources within their network to better assist you.
The Colorado Small Business Development Center (SBDC) Network is dedicated to helping small businesses throughout Colorado achieve their goals by providing free confidential counseling and various training programs. The SBDC combines information and resources from federal, state and local governments with those of the educational system and the private sector to meet the specialized and complex needs of the small business community. Regulatory, management, financial and marketing experts work in partnership to provide entrepreneurs with crucial information that can mean the difference between success and failure. 14 locations currently exist across Colorado, and each location offers the same programs yet each exclusively offers specialized programs and training events.
In 2010, the Colorado SBDC’s: • Counseled over 5400 clients • Helped start 514 businesses • Increased sales by $53,332,708
Starting a New Business?
For more information about SBDC’s, please visit: www.coloradosbdc.org or call (303) 892-3840
Recursos en Español
For more information about Mi Casa, please visit: www.micasadenver.org or call 303-573-1302
or over 34 years, Mi Casa has been committed to its mission of advancing economic success and helping Latino families achieve lasting economic stability. While Mi Casa primarily assits Latinos, they happily assist all. Mi Casa’s overarching goal is to increase the employability, education, knowledge and life skills of the individuals we serve by providing highly relevant and effective programs in Career, Business, and Youth and Family Development as well as supportive services to address each individual’s unique challenges. Mi Casa works toward its mission of economic success through a three-armed strategy that defines Mi Casa’s distinct but interconnected program areas: Career, Business, and Youth and Family Development. Mi Casa employs a holistic approach to its work and our strategy has been intentionally designed to create a family resource center with programs for adults and children focused on achieving professional, academic, and business success.
In 2010: •
Career Program: 154 individuals successfully completed the bilingual entrepreneurial training courses in Colorado • Business Program: 81 clients completed Mi Casa’s career training programs • Youth and Family Development: 402 children participated in out-of-school enrichment programs
SBA RESOURCE PARTNERS
The Denver U.S. Export Assistance Center serves exporters in Colorado & Wyoming. Each U.S. Export Assistance Center is staffed by professionals from the SBA, the U.S. Department of Commerce, the U.S. Export-Import Bank, and other various public and private organziations. Togetherm their mission is to help small businesses with the information, counseling, and loans they need to compete in the global marketplace. By leveraging their global network of 165 offices in 82 countries around the world as well as a multitude of local and national partners, they can help increase the export sales of small businesses. They possess in-depth industry and tradecraft counseling coupled with an array of exporting service allow them to specialze in providing customized international business solutions. Their experienced staff of International Trade Specialists will help you:
For more information about the Denver USEAC, please visit: www.export.gov/colorado or call: (303) 844-6623
• Identify and evaluate international partners • Navigate international documentation challenges • Create market entry strategies • Other export-related guidance * Please refer for the exporting section as well as the Staff Directory portion to learn more about your local SBA USEAC representative, Bryson Patterson.
Bryson Patterson, SBA USEAC Representative ext. 218
DISTRICT DIRECTOR: GREG LOPEZ Greg Lopez is the U.S. Small Business Administration’s Colorado District Director. He is responsible for the day-to-day implementation of key economic initiatives and business development programs targeted to the Colorado small business community. A third generation Hispanic American, Greg is a nat ve of Irving, Texas. After graduating from high school, Greg knew that he wanted to continue his education but recognized his parents would not be able to pay for any college tuition; Greg decided to seek a nomination to the United States Air Force Academy from his U.S. Senator. Greg’s dream was to become a fighter pilot so he made the decision to enlist in the U.S. Air Force. He served as a weapons specialist, programming and arming a wide range of ammunitions utilized by fighter aircrafts. While serving in the U.S. Air Force, Greg took advantage of the Veterans Education Assistance Program and earned his business degree. After leaving the military and marrying his wife, Lisa, Greg and Lisa moved to Colorado in 1988 and he started working for a major Wall Street investment firm offering financial services and products. In 1992, at the young age of 27, Greg was elected Mayor of Parker, Colorado. Greg’s victory not only made him the youngest sitting Mayor in the State of Colorado but also one of only a handful of Hispanic Mayors elected in the state. As the Mayor of Parker from 1992 through 1996, Greg’s role was that of the strong mayor form of government” and he was both the Chief Executive Officer and Chief Administrative Officer, responsible for preparing and administering the Town’s $10 million dollar budget, and dealt with numerous growth issues, i.e. economic development, transportation, parks, open space, water, air quality, and crime. As Mayor, Greg sat on numerous boards: Governors Metro Water Forum, Douglas County Growth Task Force, E-470 Public Highway Authority Board of Directors, Arapahoe Community College Advisory Council, Douglas County School District Long Range Planning Committee, Denver Regional Council of Governments, Metro Mayor’s Caucus and Putting Americas Communities Together Forum. Greg has launched successful communications programs for numerous corporate clients; and is particularly adept at strategically positioning clients in both the business and political arenas. His political, business and community contacts are extensive and have proven to be invaluable to his success both as a businessman and community leader. Greg and his wife of 22 years, Lisa have two children Michael, age 19, and Christina, age 17.
APPENDIX: MEET OUR TEAM
Deputy District Director
DEPUTY DISTRICT DIRECTOR: JUDITH WITTHOHN Judith Witthohn, CO Deputy District Director with the U.S. Small Business Administration, is responsible for assisting Greg Lopez, CO District Director, foster small business growth and development within the State of Colorado by increasing access to capital and federal contract opportunities, counseling small businesses through referrals to the SBA affiliated organizations located throughout the state, and providing financial oversight and evaluations to small business program recipients. She joined the U.S. Small Business Administration in February, 2010 after serving two years as Deputy Director and Chief Financial Officer for the Denver Art Museum. Mrs. Witthohn’s prior federal government experience includes service with the Executive Office of the President, the U.S. Securities & Exchange Commission, and the U.S. Department of Agriculture. Mrs. Witthohn also supported multiple federal agencies during her tenure with Booz Allen & Hamilton as a management consultant. Her corporate experience includes serving as Vice President of a financial service corporation with insurance and investment adviser affiliates. Within Colorado, Mrs. Witthohn’s experience includes local government service gained during her seven year tenure serving as Finance Director for the Town of Breckenridge where she had additional responsibility for the Town Clerk’s Office, Municipal Court, Information Technology, and special projects. She also served on the Board of the Colorado Intergovernmental Risk Sharing Agency, Colorado Local Government Liquid Asset Trust, and was an active member of the Colorado Government Finance Officers Association where she was co-chair of the education committee. Mrs. Witthohn is a graduate of the University of Virginia. She also holds an MBA from Marymount University. She has taught university courses in finance and management, has been a small business owner, has served as a securities industry arbitrator, and has published articles in professional association journals. Mrs. Witthohn resides in Golden with her husband and children who are demonstrating interest in becming tomorrow’s entrepreneurs.
MEET OUR TEAM
Business Opportunity Division
MEET OUR TEAM
Loans & Lender Relations Division 26
William Hardin is a lender relations specialist for the U.S. Small Business Administration, Colorado District Office. His general duties include: â€˘ Conducting outreach, training and education to Colorado small business owners and other economic development organizations about SBA lending programs â€˘ Conducting outreach, training, education, development, lender recruitment and consultation with Colorado lending institutions In August 2011 Will earned his MBA and was a distinguished graduate.
WILL HARDIN Lender Relation Specialist
BOB MARTIN Lender Relations Specialist
JIM VanHorn Lender Relations Specialist
MEET OUR TEAM
Government Contracting & Natural 27 Resources Division
KAREN KLAM Lender Relation Specialist
JOSE MARTINEZ Lender Relations Specialist
TOM CLARKE Lender Relations Specialist
MEET OUR TEAM
Surety Bonds Division 28
RICHIE GOMEZ Lender Relation Specialist
TAMARA MURRAY Lender Relations Specialist
BERYL WILLIAMS Lender Relations Specialist
MEET OUR TEAM
Economic Development Division 29
Benny Ochoa is currently an Economic Development Specialist at the Colorado District office of the United States Small Business Administration. His role serves as a marketing and public relations point of contact for the Colorado District Office.
His job is to ensure that small business owners are aware of the various programs and services that United States Small Business Administration Colorado district office provides. His job includes working with federal, state, county/city economic development officials to coordinate/direct entrepreneurial training events. He conducts group training on lending, government contracting, counseling, and disaster assistance to small business owners. He also provides one on one counseling to small business owners. He has been with the SBA over 30 years and has 38 years of Government service. In 2004 he received the Region VIII Administrator’s District Employee of the Year. Prior of being an EDS, he has worked in various programs with the Agency.
BENNY OCHOA Economic Development Specialist
Taylor Marshall is an Economic Development Specialist and the Young Entrepreneur Liason for the U.S. Small Business Administration. Taylor focuses her efforts on marketing and outreach to create awareness for potential and existing small businesses. She visits with local, state, and federal representatives to create training and outreach opportunities. She also does training and counseling to small businesses on access to capital, government contracting, disaster assistance, advocacy, and much more.
Taylor joined the office in May 2012 but was SBA’s intern for 3 years prior to coming on board permanently. During her internship Taylor obtained her bachelor’s degree in accounting from the Leeds School of Business at the University of Colorado. During her college career she was on the Dean’s list twice and received a certificate in operations management. Taylor’s other work experience includes, business development at a medical equipment firm and accounting assistant at a large casino.
TAYLOR MARSHALL Economic Development Specialist
Matthew Palmer is an Economic Development Specialist who recently joined the District Office in March of 2012. His role serves as a marketing and public relations point of contact for the District Office. His job is to ensure that small business owners are aware of the various programs and services that United States Small Business Administration- Colorado District Office provides. In doing so, he works with federal, state, county/city economic development officials to coordinate/ direct entrepreneurial training events. He conducts group training on lending, government contracting, counseling, and disaster assistance to small business owners. He also provides one on one counseling to small business owners. Lastly, he coordinates and interfaces with local media for the district office. Prior to joining the SBA, he worked as a purchasing agent in the government contract division of National Institute of Standards and Technology. He also served as an Intelligence Officer in the United States Air Force. During his service, he awarded the Joint Commendation Medal for his service in Iraq. He also has worked in real estate and information technology in the state of Texas. Matthew graduated from the Business School of the University of Texas and he also holds an MBA from Texas State University. His MBA thesis is published in the Journal of Entrepreneurship.
MATTHEW PALMER Economic Development Specialist
SBA Programs & Events
SBA PROGRAMS & EVENTS
I. ECONOMIC DEVELOPMENT DIVISION Overview of SBA Programs and Services
II. BUSINESS OPPORTUNITY DIVISION 8a Program
The 8a program is an exclusive program offered through the Business Opportunity division of the SBA. Its purpose is to help small and disadvantaged businesses compete in the marketplace. The 8(a) participants endure an 8-year program upon which completion; the company will be equipped to stand on its own. This selective program requires an application of admission in which a Business Opportunity Specialist mentors the mentees. There are substantial benefits of partaking in the program, such as the consideration and preference for government and private procurement. The program itself is broken down into a subset of groups of which a SBA Business Opportunity Specialist is designated a specific group of clients.
Are you curious of the programs and services the Small Business Administration-Colorado District Office has to offer? Have you ever wondered if there is anything the SBA has to offer you? This Overview, led by an Economic Development Specialist is the perfect starting point into sifting through the many programs offered through the Colorado District Office. The Overview will run through the Business Opportunity and Lender and Loans divisions as well as other services provided in conjunction with the District Office such as Government Contracting, Surety Bonds, and Exporting. This will provide a concise and complete introduction of the organization and point participants in the right direction.
Topics to be covered include: HUBZONE • Woman Owned Small Business (WOSB) Economically Disadvantaged Women Owned Small Business (EDWOSB) • Minorities • Native Americans • Service-Disabled Veteran-Owned Small Business Concern Procurement (SDVOSB) *Training may be tailored to delve in greater depth of the constituents of the 8(a) program
PTAC 8a/SDB/Hubzone/WOSB Workshop
SBA PROGRAMS & EVENTS
VII. ANNUAL EVENTS
Learn how the Procurement Technical Assistance Center (PTAC) can assist you in doing business with the city, state, and federal government. SBA will present 8a/SDB/Hubzone/WOSB certification.
Annual Resource Fair
The U.S. Small Business Administration (SBA) annually hosts a free Small Business Resource Fair. The fair is a one-stop shop where representatives from various commercial lenders, federal prime contractors, business assistance organizations, local Chambers of Commerce, and federal/ state/city government agencies will be available to answer questions relating to all aspects of starting, operating and growing a business. There will also be workshops and panel discussions throughout the day including: ”Starting a Small Business”, ”Social Media”, ”Doing Business with the Government”, ”Lender’s Panel”, and much more. Colorado resources coming together to help your small business: • One-on-One Counseling • Small Business Panel Discussion • Exhibitors: Bankers, Government Contractors, Business Resources, Networking Partners • Business Workshops • Lender Matchmaking * Date/Time/Location: TBA *Annual themes are subject to change
VIII. ADVOCACY SBA Regional Advocate
The Colorado District Office is pleased to have John Hart as the Region VIII advocate. The Office of Advocacy of the U.S. Small Business Administration is an independent voice for small business within the federal government. The presidentially appointed Chief Counsel for Advocacy advances the views, concerns, and interests of small business before Congress, the White House, federal agencies, federal courts, and state policymakers. *Region VIII includes the states of Colorado, Montana, Nort Dakota, South Dakota, Utah, and Wyoming.
ONLINE TRAINING GUIDE
A. STARTING YOUR BUSINESS
Each year, more than 10 million people consider starting a business. Of them, only three million people take the plunge and start a business. Itâ€™s one of the most exciting endeavors that any person can undertake. Entering into the world of entrepreneurship can be an exciting yet daunting experience. To help prepare you and your business for success, SBA provides several free online courses. This self-paced, easy-to-use instruction covers a variety of business basics, including how to start an online business, how to write a business plan, how to franchise, and how to adopt technology for business benefits.
A1. Essential Guide to Starting Your Own Business for Young Entrepreneurs Course Objectives: 1. Module 1: How to turn your Entrepreneurial Idea into a Business Reality 2. Module 2: Getting Started- Six Must Doâ€™s 3. Module 3: Resources To Help your New Business Succeed A2. How to Prepare a Business Plan Course Objectives: 1. Explain the importance of business planning 2. Define and describe the components of a business plan 3. Provide access to sample plans and resources that can help you develop a very good business plan
A5. Native American Business Primer Course Objectives: 1. Help determine your readiness to start a business 2. Provide an overview of basic business principles 3. Introduce you to key SBA Resources B. MANAGING A BUSINESS The success of your business is closely related to how well you manage it. Good management is the root source of business growth. Strong management skills are built over time through continued education and experience. To help you understand the basics about managing a business, SBA offers several free online courses. This self-paced instruction includes many entrepreneurial topics, including taking your business global, using technology, preparing a business plan, entering into a franchise, planning for disasters, and preventing crime.
B1. Green Business Opportunities: A Small Business Guide Course Objectives: 1. Provide an overview of the Recovery Through Retrofit Initiative 2. Outline core business principles required of any firm interested in supporting energy retrofits 3. Identify available training and resources that support the Recovery Through Retrofit Initiative
A3. Franchising Basics
B.2 Business Technology Simplified - Module 1: Using Technology to Simplify the Day-to-Day
Course Objectives: 1. Module 1: Introduction to Franchising 2. Module 2: Is Franchising Right for You? 3. Module 3: How to choose the Right Franchise
Course Objectives 1.Benefitting from Current Desktop Technology 2. Using Technology to Save You Time 3. Upgrading Your Accounting Practices
B7. Disaster Recovery: Guide to SBA’s Disaster Assistance Programs Course Objectives: 1. Explain SBA’s role in disaster recovery 2. Define the types of disaster declarations and what they mean 3. Describe SBA’s disaster loan programs 4. Explain how to apply for assistance B8. Crime Prevention: A Guide for Small Businesses Course Objectives: 1. Define the issues and describe why crime prevention is so critically important to small businesses 2. Outline practical steps that can be taken by a small business to prevent crimes it may face 3. Identify and describe valuable resources to help small businesses prevent crimes against the business
C3. Marketing for Small Business (Maine SBDC) This three-part series delves into: i. Market Essentials: The marketing mix ii. Market Research: What is it? How do you do it? Why is it important? iii. Developing a Marketing Plan: A comprehensive look at what a marketing plan is and how it can help your business. D. FINANCING A BUSINESS Financing is an integral part to getting your business off the ground and growing it over time. That’s why SBA has provided several free online courses to help you become familiar with your financing options, including an introduction to accounting, a guide to SBA’s Loan Guaranty Programs, and an overview on how to prepare a loan package.
ONLINE TRAINING GUIDE
D1.Finance Primer: Guide to SBAâ€™s Loan Guaranty Programs Course Objectives: Identify source of capital most frequently used by small businesses Review basic finance principles 3. Identify and describe SBAâ€™s loan guaranty programs 4. Provide practical guidance and direct links to additional information and resources that can assist you in financing your business
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