|
Business
Assistance in New York
If you own a business in New York and were effected by the terrorists
attacks, contact he Mayor's Hotline at 718-403-2220; or the Economic Development
corporation Hotline at 718-30-2457 or 800-456-8369. These offices can
answer your business questions, and direct you to various forms of assistance
for which you may qualify. Public financial assistance for businesses
will be posted on the New York City website at {www.nyc.gov}.
Private emergency funding is being handled through the New York City Investment
Fund, One Battery Park Plaza, 5th Floor, New York, NY 10004; 212-493-7548;
{www.nycif.org}.
back to top
Help
For Your Business
The U.S. Small Business Assistance offers a wide range of disaster recovery
financial assistance. Programs include: Home Disaster Loans, Business
Physical Disaster Loans, and Economic Injury Disaster Loans. The filing
deadline for physical damage to homes, personal property and businesses
in November 10, 2001. For economic injury loans, the filing deadline is
June 11, 2002. In New York offices have been set up at 80 Pine St., and
633 3rd Avenue. For more information contact U.S. Small Business Administration;
800-659-2955; {www.sba.gov/disaster/newyorkfires.html}.
back to top
Free
Money to Help Start a Business!
IdeaCafe offers $1000 Pilot Grants to small business owners and entrepreneurial startups of all kinds.
For more information contact Idea Cafe's Pilot Grant; {http://businessownersideacafe.com/small_business_grants};
{E-mail: chef@businessownersideacafe.com}; {http://businessownersideacafe.com/small_business_grants}.
back to top
Loans
For Your Business After A Disaster
Businesses of all sizes as well as private, non-profit organizations may
apply for up to $1.5 million from the Small Business Administration (SBA)
to repair or replace damaged real and personal property, such as machinery,
equipment, inventory, furniture and fixtures. Small businesses and small
agricultural cooperatives that do not have credit available from non-government
sources may apply for SBA's Economic Injury Disaster Loans up to $1.5
million to provide working capital to meet obligations until normal operations
resume. The total loan amount to any one business entity (including affiliates)
for a combined Physical and Economic Injury Disaster Loan may not exceed
$1.5 million. Contact SBA, 26 Federal Plaza # 3100, New York, NY 10278;
212-264-4354; {www.sba.gov/disaster}.
back to top
$150,000
In Down Payment Money To Become a Farmer or Rancher
Assists beginning farmers and ranchers to purchase a farm or ranch. Also
provides a means for retiring farmers to transfer their land to a future
generation. Applications should be mailed to local county office. Contact
state office for referral to county/regional office. Loans are for 30%
of purchase price or appraised value, whichever is lower (up to $250,000).
Applicant must make a cash down payment of at least 10% of the purchase
price. Contact Farm Service Agency, U.S. Department of Agriculture, 1400 Independence Ave., SW, Washington, DC 20250; 202-720-7807;
{www.fsa.usda.gov}.
back to top
$500,000
Grant To Small Businesses To Work On Scientific And Engineering Ideas
Supports high quality projects on important scientific, engineering, or
science/engineering education problems and opportunities with potential
for significant commercial and public benefit. Awards stimulate participation
and innovation by small businesses as well as minority, disabled, and
other disadvantaged individuals. Proposals are accepted on a solicitation
only basis (see website for calls for proposals). Support under the Small
Business Innovative Research Program is normally provided for six months
and up to $100,000 for Phase I projects (experimental or theoretical investigation
on the proposed research or activity)) and two years and up to $500,000
for Phase II awards (principal research and development effort). Only
a NSF SBIR Phase 1 grantee who successfully completes a Phase 1 project
and submits an acceptable Phase 1 Final Report is eligible to submit a
Phase II proposal. Unsolicited proposals will not be accepted. Only businesses
that are independently owned, controlled, and operated for-profit and
with 500 or less employees are eligible to apply. Socially and economically
disadvantaged small business concerns and women-owned businesses are particularly
encouraged to propose. Each organization submitting a proposal must qualify
as a small business for research and development purposes. The primary
employment of the principal investigator must be with the small business
at the time of the award. Contact National Science Foundation, Ritchie
Coryell, Program Manager, National Science Foundation, SBIR Program, 4201
Wilson Blvd., Room 550, Arlington, VA 22230; 703-306-1391; Fax: 703-292-9057;
{sbir@nsf.gov}; {www.eng.nsf.gov/sbir}.
back to top
$500,000
For Native Americans To Start Or Expand A Business
Guaranteed loans to stimulate and increase Indian entrepreneurship and
employment through establishment, acquisition, or expansion of Indian-owned
economic enterprises. Borrowers will work directly with the lenders. Upon
lender's approval of an application for guaranteed loan, the lender will
request a loan guaranty from B.I.A. office where the business is located.
The Eastern Regional Credit Office serves all East Coast states. Contact
regional office for assistance in filing loan guaranty application or
to obtain other technical assistance. Borrower must be a federally recognized
tribe or Alaska Native group, member of such tribe or group or an Indian-owned
organization. The business must be located on or near a reservation or
recognized service area and contribute to the economy of the reservation.
A minimum of 20% equity, in either cash and/or unencumbered assets to
be used in the business being financed, is required. Contact Bureau of
Indian Affairs, Dept. of the Interior, John Fitzpatrick, Processor, Eastern
Region Credit Office, 3701 N Fairfax Drive, Suite 260, Fairfax, VA 22203;
703-235-5565; Fax: 703-235-5565; {www.doi.gov/bureau-indian-affairs.html}.
back to top
$300,000
Grant To Small Businesses To Commercialize Scientific and Engineering
Ideas
Supports creative advanced research in scientific and engineering areas
that encourages the conversion of Government-funded research o a commercial
application. Awards stimulate technological participation and innovation
by small businesses as well as minority, disabled, and other disadvantaged
individuals. Proposals are accepted on a solicitation only basis (see
website for calls for proposals). Submission of NIST proposals should
be sent in 6 copies to: ATTN: SBIR Proposals, U.S. Dept. of Commerce,
NOAA, Contract Administration Branch, Code OFA613; 1305 East-West Highway,
SSMC4, Station 7604; Silver Spring, MD 20910. A detailed online guide
for application requirements and preparation procedures can be found at:
{www.rdc.noaa.gov/~amd/sbir-01nist.pdf}.
Unsolicited proposals will not be accepted. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. The primary employment of the principal investigator must be
with the small business at the time of the award. Contact Department of
Commerce, National Institute of Standards and Technology, J. Terry Lynch,
SBIR Program Coordinator, U.S. Department of Commerce; North Campus, Bldg.
820, Rm.306; 820 West Diamond Avenue, Gaithersburg, MD 20899; 301-975-4517;
Fax: 301-548-0624; {JTLynch@nist.gov};
{www.nist.gov/sbir}.
back to top
$750,000
0% Interest Loans To Utility Companies In Small Towns Who Help Small Businesses
Provides zero interest loans to Rural Service Utilities (RUS) funded telephone
and electric utilities to provide economic development and job creation
projects including but not limited to: project feasibility studies, start
up costs, and incubator projects. Promotes projects that will result in
a sustainable increase in the productivity of economic resources in rural
areas and thereby lead to a higher level of income for rural citizens.
Applications may be filed on any business day at state office and should
include "Application for Federal Assistance" as well as other
documentation. Contact state office for questions concerning the application
process and for a list of required documentation. Borrower should not
be delinquent on an Federal debt or in bankruptcy proceedings. A project
will not be selected unless supplemental funding is provided in an amount
equaling at least 20 percent of the amount of the zero-interest loan funds
provided by Rural Business Service. Repayment term, including any principal
deferment period, will not exceed 10 years. Contact U.S. Department of Agriculture, Rural Business-Cooperative Service,
1400 Independence Ave., SW, Room 5050 South Building, Washington, DC 20250; 202-690-4730;
{www.rurdev.usda.gov/}.
back to top
$200,000
In Low Interest Loans For Small Farmers And Ranchers
To aid operators of not larger than family sized farms in obtaining credit
when they are temporarily unable to project positive cash flow without
a reduction in the interest rate. Assistance extends for up to ten years
or life of loan. Expires 9/30/03. Application should be sent to local
office. Contact federal office above for referral to state/local office.
st meet eligibility for guaranteed loan. Contact Farm Service Agency, U.S. Department of Agriculture,
1400 Independence Ave., SW, Washington, DC 20250; 202-720-7807;
{www.fsa.usda.gov/}.
back to top
$717,000
For First Time Farmers and Ranchers
Provides direct and guaranteed loans to beginning farmers and ranchers
who are unable to obtain financing from commercial credit sources. Application
for Direct Loan assistance may be made at FSA county office where farming
operation will be located. For Guaranteed Loans, applicants must apply
to commercial lender who participates in the Guaranteed Loan Program.
Contact state office above for referral to local/regional office. Loan
amounts range from $ 0 - $200,000 for Direct Loans and $0 - $717,000 for
Guaranteed Loans (amount varies annually based on Applicant must not have
owned/operated a farm or ranch for 10 years. Must substantially participate
in the farm operation. Contact Farm Service Agency, U.S. Department of Agriculture,
1400 Independence Ave., SW, Washington, DC 20250; 202-720-7807;
{www.fsa.usda.gov}.
back to top
$10,000,000
For Businesses In Small Towns
Provides loans to public entities and private parties who cannot obtain
credit from other sources. Loans can be made for improving, developing,
or financing business and industry, creating jobs, and improving economic
and environmental climate in rural communities (less than 50,000 residents).
Applications should be submitted to the address below. Applicants must
be U.S. citizens, and, if corporations, at least 51% owned by such individuals.
Contact U.S. Department of Agriculture, Rural Business-Cooperative Service, 1400 Independence Ave., SW, Room 5050 South Building, Washington, DC 20250; 202-690-4730;
{www.rurdev.usda.gov/}.
back to top
$717,000
For Women and Minorities To Buy Farms Or Ranches
Enables socially disadvantaged applicants to buy and operate family-sized
farms and ranches. For purposes of this program, socially disadvantaged
groups include: women, African Americans, American Indians and Alaskan
Natives, Hispanics, and Asians and Pacific Islanders. Application for
Direct loan assistance may be made at FSA office in county where operation
is located. For Guaranteed Loans, applicants must apply to a commercial
lender who participates in the Guaranteed Program. Contact the state office
above for referral to local/regional office. Loan amounts range from $0
- $200,000 for Direct Loans and $0 - $717,000 for Guaranteed Loans (amount
varies annually based on inflation). Applicants must meet all requirements
for FSA's regular farm loan program assistance. Must have education, training,
and experience in managing/operating a farm; must be U.S. citizen; must
have acceptable credit history. Contact Farm Service Agency, U.S. Department of Agriculture,
1400 Independence Ave., SW, Washington, DC 20250; 202-720-7807;
{www.fsa.usda.gov}.
back to top
$200,000
To Buy A Farm Or Ranch
Assists eligible farmers, ranchers, and aquaculture operators to become
owner-operators of family farms. Loan may be used to operate family-owned
ranches and agricultural businesses and to purchase farmland, construct
and repair buildings, and promote soil and water conservation. National
Office: USDA, Farm Service Agency, Box 0522; Washington, DC Applications
should be mailed to local county office. Contact state office above for
referral to appropriate regional office. Must have education, training,
and experience in managing/operating a farm; must be U.S. citizen; must
have acceptable credit history. If farm/ranch will be operated as a business
entity, all members must be related by blood or marriage. Contact Farm Service Agency, U.S. Department of Agriculture,
1400 Independence Ave., SW, Washington, DC 20250; 202-720-7807;
{www.fsa.usda.gov/}.
back to top
$34,000,000
Grant For Airport Operators
Assists sponsors, owners and operators of public-use airports by providing
federal funding for eligible projects such as improvement and development
of runways, taxiway and apron pavement maintenance, purchase of navigational
equipment, land acquisition for development, and other capital improvements.
Headquarters Office: FAA, Office of Airport Planning and Programming,
Airports Financial Assistance Division, APP-500, 800 Independence Avenue,
SW, Washington, DC 20591; 202-267-3831. Residents of the states of Maryland,
Delaware,
Virginia, and West Virginia should contact the Atlanta Airports District
Office listed for consultation and application assistance. Only those
projects considered by FAA Administrator to be necessary to provide for
a safe and efficient airport system and to meet the current and projected
growth of civil aeronautics will be considered. Applicants must be a sponsor,
owner, or operator of a public-use airport listed in the National Plan
of Integrated Airport Systems (NPIAS) and having at least 2,500 passengers
boarding annually and receiving scheduled passenger aircraft service.
Contact Federal Aviation Administration, Robert Mendez, Division Manager,
Airports Division, Eastern Region, FAA, 1 Aviation Place, Jamaica, NY
11434; 718-553-3330; Fax: 718-995-5615; {Robert.Mendez@faa.gov};
{www.faa.gov/as0/aso600/sponsorguide/index}.
back to top
$275,000
Grant To Small Businesses To Work On Agricultural Related Ideas
Supports high quality research or research and development (R&D) proposals
containing advanced concepts related to important scientific problems
and opportunities that could lead to significant public benefit if the
research is successful. Awards stimulate technological innovation in the
private sector, strengthening the role of small businesses in meeting
Federal R&D needs, and fostering and encouraging participation by
women-owned and socially and economically disadvantaged small business
firms in technological innovation. Support under the U.S.D.A.'s Small
Business Innovative Research Program is normally provided for six months
and up to $70,000 for Phase I projects (to determine the scientific or
technical feasibility of ideas submitted by proposers on research topic
areas designated in the solicitation) and two years and up to $275,000
for Phase II awards (principal research and development effort). Proposals
are accepted on a solicitation only basis. See website above for calls
for proposals. Unsolicited proposals will not be accepted. Only businesses
that are independently owned, controlled, and operated for-profit and
with 500 or less employees are eligible to apply. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. The primary employment of the principal investigator must be
with the small business at the time of the award. A joint venture must
provide documentation confirming that it can act as a single legal entity
for purposes of a grant awarded under the SBIR program. Contact United
States Department of Agriculture, Dr. Charles F. Cleland, Director, SBIR
Program, Coop. State Research, Educ., and Extension Service, U.S.D.A.,
STOP 2243 1400 Independence Ave., SW, Washington, DC 20250; 202-401-4002;
Fax: 202-401-6070; {ccleland@reeusda.gov};
{www.reeusda.gov/crgam/sbir.htm#program}.
back to top
$717,000
To Operate A Farm Or Ranch
Guarantees farm ownership or farm operating loans made by conventional
agricultural lenders for up to 95% of principal. Maximum loan amount varies
annually based on inflation. Applicants must apply to conventional lender
who arranges for guarantee. Contact Farm Service Agency, U.S. Department of Agriculture,
1400 Independence Ave., SW, Washington, DC 20250; 202-720-7807;
{www.fsa.usda.gov/}.
back to top
$900,000
Grant To Do Research On Injuries
Funds research by professionals from a wide spectrum of disciplines for
the purpose of building a scientific base for the prevention of injuries,
disabilities, and deaths. Applications may be submitted by public and
private nonprofit and for-profit organizations, academic and research
institutions, State and local governments, Indian tribal organizations,
and small, minority, and women-owned businesses. Awards will be made for
a 12-month budget period within a three-year project period. The maximum
funding level will not exceed $300,000 per year or $900,000 for the three-year
project period. Specific program priorities and application guidelines
can be found at {www.cdc.gov/od/pgo/funding/01013.htm}.
Contact Centers for Disease Control, Dept. of Health and Human Services,
Ted Jones, Program Manager, Office of Research Grants, CDC, 4770 Buford
Highway, NE, Mailstop k-58, Atlanta, GA 30341; 770-488-4824; {tmj@cdc.gov};
{www.cdc.gov}.
back to top
Free
Services And Money For Veterans To Receive Entrepreneur Training
Provides entrepreneurial development services such as business training,
counseling, and mentoring to eligible veterans owning or considering starting
a small business. Each client works directly with a business counselor
to develop an Individual Entrepreneurial Development Plan. Assists clients
in developing and maintaining a five-year business plan. Also provides
assistance and training in such areas as international trade, franchising,
Internet marketing, and accounting. The Veteran's Business Outreach Center
listed serves the following states: Virginia, Maryland, Pennsylvania,
Delaware, West Virginia as well as the District of Columbia. Contact Outreach
Center directly to request services. Must be a veteran who seeks to start
and manage a small business. Contact Small Business Administration Office
of Veteran's Business Development, Timothy E. Proctor, Director, TEP Consulting,
Inc., 858 Dogwood Court, Herndon, VA 20172; 703-707-0931; Fax: 703-707-0985;
{Timproctor@tepconsulting.com};
{www.sba.gov/VETS/vbop.html}.
back to top
Free
Help For Veterans To Be Entrepreneurs
Provides all services and assistance necessary to enable service-disabled
veterans and service persons to get and keep a suitable job including
tuition, books, fees, supplies, and rehabilitative services. When employment
is not feasible, provides the needed services and assistance to help the
individual learn skills to achieve maximum independence (this can include
entrepreneurial training). Applications should be mailed to the above
address. The Maryland VA Regional Office serves all of the state of Maryland
with the exception of Montgomery and Prince George's Counties. Applicant
must be a veteran of WWII or later service or a service member awaiting
a disability discharge with a VA combined service-connected disability
rating of 10% or more. Contact Veterans Benefits Administration, Department
of Veterans Affairs, Maryland VA Regional Office, Federal Building, 31
Hopkins Plaza, Room 233, Baltimore, MD 21202; 410-230-4450; {baltimore.query@vba.va.gov};
{www.vba.va.gov/bln/vre/vbsvre.htm}.
back to top
$2,000,000
Grant To Work On Fossil Energy Ideas
Provides project grants it individuals, commercial firms, non-profit research
organizations, and educational institutions for the purpose of developing
environmentally and economically superior technologies using fossil fuels.
DOE periodically solicits proposals which are posted on the following
website: {www.fetc.doe.gov/business/solicit/index}. DOE also publishes
an online "Guide for the Submission of Unsolicited Proposals"
at {www.fe.doe.gov/index.html}. For general information regarding unsolicited
proposals contact: John N. Augustine, Unsolicited Proposals Coordinator
Phone: (412) 386-4524 Fax: (412) 386-6137 ; {Email: john.augustine@fetc.doe.gov}.
Unsolicited proposals should be submitted to the following address: John
N. Augustine, Unsolicited Proposals Coordinator, Mail Stop 921-107; U.S.
Dept. of Energy, Federal Energy Technology Center; 626 Cochrans Mill Road,
P.O. Box 10940; Pittsburgh, PA 15236-0940. Must have had prior successful
research and development experience in the fossil energy or related fields.
Contact Office of Fossil Energy, Department of Energy, Office of Fossil
Energy, U.S. Dept. of Energy, 1000 Independence Ave.; SW, Washington,
DC 20585; 202-586-6503; Fax: 202-586-5146; {fewebmaster@hq.doe.gov};
{www.fe.doe.gov/index.html}.
back to top
$22,000,000
Grant To Businesses That Employ People with Disabilities
Creates and expands job and career opportunities for individuals with
disabilities by engaging the participation of business and industry in
the rehabilitative process. PWI projects promote this involvement by making
grants to a variety of agencies, business and industrial corporations,
and foundations and by appointing Business Advisory Councils (BAC) to
identify jobs and careers available in the community and provide advice
on appropriate skills and training. Grants are awarded for up to 5 years
and may not exceed 80 percent of the total cost of the project. *No further
competition for these grants will take place until FY 2001. Application
packets will be available from the above source beginning 7/1/01. Completed
applications should be mailed to the address below. Grantees must provide
an annual evaluation of project operations in accordance with the established
program standards. Contact Rehabilitative Services Administration Programs,
Dept. of Education, Fred Isbister, Chief, Service Projects Branch, U.S.
Dept. of Ed. Application Control Center, Attn:CFDA 84.234P; 400 Maryland
Ave. SW, Washington, DC 20202; 202-205-9297; {www.ed.gov/offices/OSERS/RSA/PGMS/pwi.html}.
back to top
$2,000,000
Grant To Commercialize Science Related Ideas
Bridges the gap between the research lab and the marketplace, stimulating
prosperity through innovation. Partners with companies of all sizes, universities,
and nonprofits to foster the development of innovative technologies that
will generate significant commercial payoffs as well as widespread benefits
for the nation. Awards are selected through yearly, open, peer-reviewed
competitions. ATP accepts proposals only in response to specific, published
solicitations. Notices of ATP competitions are published in Commerce Business
Daily. To request to be placed on a mailing list to be notified of upcoming
ATP competitions, call 1-800-ATP-FUND or {e-mail: atp@nist.gov}. Must
be a single for-profit company or an industry-led joint venture. A single
company must be substantially involved in the research and development
with a leadership role in steering the project. A joint venture consists
of at least two separately owned for-profit companies, both of which are
substantially involved in the R&D and both contributing toward the
cost sharing requirement of more than 50 percent of the yearly total project
cost. Contact National Institute of Standards and Technology, Barbara
Lambis, Coordinator - Advanced Technology Program, NIST Advanced Technology
Program, 100 Bureau Drive, Stop 471; Admin.Bldg.101 Rm.A413, Gaithersburg,
MD 20899; 301-975-4447; Fax: 301-869-1150; {Barbara.Lambis@nist.gov};
{www.atp.nist.gov}.
back to top
$200,000
Grant To Work On Energy Related Inventions
Provides funds for promising projects demonstrating both energy-related
innovation and future commercial market potential. Grants are open to
U.S. citizens, small businesses that are U.S. owned, or educational institutions
located in the U.S. Special consideration is given to individual inventors
and small businesses. Competitive program is announced periodically. Proposal
announcements and procedures are posted at {www.oti.doe.gov/inventions/aaply3.shtml}.
Grants range from $0 - $40,000 (Category 1 - Conceptual Ideas) to $0-$200,000
(Catergory 2 - Development and Performance). Applicant must be a U.S.
citizen, U.S. owned business, or educational institution located in the
U.S. Contact Office of Industrial Technology, Department of Energy, Sandra
Glatt, Program Manager, Inventions and Innovation Div., U.S. Dept. of
Energy, 1000 Independence Avenue, SW, Washington, DC 20585; 202-586-3897;
Fax: 202-586-9234; {Sandra.glatt@ee.doe.gov};
{www.oit.doe.gov/inventions/pdfs/finguide.pdf}.
back to top
$750,000
Grant To Small Businesses To Work On Transportation Related Ideas
Supports initiatives directed toward high priority transportation research
and development requirements in the DOT Operating Administrations. Awards
stimulate technological innovation in the private sector, strengthening
the role of small businesses in meeting Federal R&D needs, and fostering
and encouraging participation by women-owned and socially and economically
disadvantaged small business firms in technological innovation. Support
under DOT's Small Business Innovative Research Program is normally provided
for six months and up to $100,000 for Phase I projects (to determine the
scientific or technical feasibility of ideas submitted by proposers on
research topic areas designated in the solicitation) and two years and
up to $750,000 for Phase II awards (principal research and development
effort). Proposals are accepted on a solicitation only basis. Up to date
solicitation announcements and deadlines are posted on the website listed
below. Unsolicited proposals will not be accepted. Only businesses that
are independently owned, controlled, and operated for-profit and with
500 or less employees are eligible to apply. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. The primary employment of the principal investigator must be
with the small business at the time of the award. A joint venture must
provide documentation confirming that it can act as a single legal entity
for purposes of a grant awarded under the SBIR program. Only awardees
in Phase I are eligible to participate in Phase II by invitation only.
Contact U.S. Department of Transportation, Joseph Henebury, Program Director,
Volpe National Transportation Systems Center, 55 Broadway, Kendall Square,
Cambridge, MA 02142; 617-494-2051; Fax: 617-494-2370; {henebury@volpe.dot.gov};
{www.volpe.dot.gov/SBIR}.
back to top
$295,000
Grant To Small Businesses To Work On Problems Related To The Environment
Supports high quality research or research and development (R&D) proposals
containing advanced concepts related to important scientific problems
and opportunities that could lead to significant public benefit if the
research is successful. Support under the E.P.A.'s Small Business Innovative
Research Program is normally provided for six months and up to $70,000
for Phase I projects (to determine the scientific or technical feasibility
of ideas submitted by proposers on research topic areas designated in
the solicitation) and two years and up to $295,000 for Phase II awards
(principal research and development effort). Proposals are accepted on
a solicitation only basis. Up to date solicitation announcements and deadlines
are posted on the National Center for Environmental Research website at:
{www.epa.gov/ncerqu/sbir}.
For questions or assistance contact the EPA SBIR Helpline at: 1-800-490-9194.
Unsolicited proposals will not be accepted. Only businesses that are independently
owned, controlled, and operated for-profit and with 500 or less employees
are eligible to apply. Each organization submitting a proposal must qualify
as a small business for research and development purposes. The primary
employment of the principal investigator must be with the small business
at the time of the award. A joint venture must provide documentation confirming
that it can act as a single legal entity for purposes of a grant awarded
under the SBIR program. Contact Environmental Protection Agency, Marsha
Johnson, Contracts Manager, U.S Environmental Protection Agency, Contracts
Management Division (MD-33), Research Triangle Park, NC 27711; 919-541-0952;
{johnson.marsha@epa.gov};
{www.epa.gov/ncerqa/sbir}.
back to top
$15,000,000
Grant To Non-Profits Who Lend To Small Businesses In Small Towns
Provides grants to public bodies, nonprofit corporations, and Indian tribal
groups to finance and facilitate the development of small and emerging
private business enterprises located in rural areas. Funds may be used
for the acquisition and development of land and the construction of buildings,
plants, equipment, access streets and roads; technical assistance and
related training for adults; startup and operating costs and working capital;
and to create, expand, and operate rural distance learning networks. Applicants
are required to submit supporting data (Preapplication Form SF-424) before
a formal application is made. Applicants should contact the state representative
above for more information on preapplication and application requirements.
Rural area for this program is defined as a city, town, or unincorporated
area that has a population of 50,000 inhabitants or less. Private business
is eligible only if it will employ 50 or less new employees and has less
than $1 million in projected gross revenue. Contact U.S. Department of Agriculture, Rural Business-Cooperative Service,
1400 Independence Ave., SW, Room 5050 South Building, Washington, DC 20250; 202-690-4730;
{www.rurdev.usda.gov/}.
back to top
$1,500,000
Grant To Organizations Who Help Small Businesses In Small Towns
Provides funds for technical assistance, training, and economic development
and planning activities with the purpose of promoting sustainable economic
development in rural communities with exceptional needs.. Public bodies,
nonprofit corporations, Indian tribes on Federal and State reservations
and other Federally recognized tribal groups, and cooperatives are eligible
to apply. Applicants must be located in rural areas (this includes all
areas other than cities of more than 10,000 people). Contact U.S. Department of Agriculture, Rural Business-Cooperative Service,
1400 Independence Ave., SW, Room 5050 South Building, Washington, DC 20250; 202-690-4730;
{www.rurdev.usda.gov/}.
back to top
Grants
For Veterans To Learn Entrepreneuring
Provides for direct payment to service providers for the entire cost of
tuition, books, fees, supplies, and rehabilitation services. Counseling
services are provided throughout participation in the program. Participants
may select a program of education to assist them in attaining an educational,
professional, or vocational objective at any approved educational institution
they choose. The Eastern Regional Office serves the states of Maryland,
Virginia, and West Virginia. Applicants residing in these states should
mail their completed applications to the address below. Eligibility ceases
at the end of 10 years from the date of the participant's last discharge
or release from qualifying active duty after January 1977. Contact Veterans
Benefits Administration, Department of Veteran Affairs, VA Eastern Regional
Office, P.O. Box 4616, Buffalo, NY 14240; 888-442-4551; {washingtondc.query@vba.va.gov};
{www.vba.va.gov/bln/vre/vbsvre.htm}.
back to top
$500,000
Grant For Small Businesses To Work On Defense Related Research
Funds joint venture innovative research opportunities for small business
and the nation's premier non-profit research institutions. The purpose
of this collaboration is to move ideas from the laboratory to the marketplace,
to foster high-tech economic development and to address the technological
needs of the Federal Government. The Air Force's Small Business Technology
Transfer Program is normally provided for one year and up to $100,000
for Phase I projects (for a feasibility study to evaluate the scientific
and technical merit of an idea) and for two years and up to $500,000 for
Phase II awards (development and commercialization of Phase I projects).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow the Air Force's instructions for submission
of proposals. Specific requirements and guidelines can be found at the
website listed below. Proposals may only be submitted in response to solicitations.
See website below for current solicitations and deadlines. Applicants
must be a small, American-owned and for-profit business of 500 or fewer
employees (including subsidiaries and affiliates). The nonprofit research
institution must also be located in the U.S. At least 40 percent of the
research project is to be conducted by the small business concern and
at least 30 percent of the work is to be conducted by the "partnering'
research institution. Contact Department of Defense - AIRFORCE, Dr. Victoria
Franques, Program Manager, Air Force Office of Scientific Research, AFOSR/NI,
4040 N. Fairfax Drive, Suite 500, Arlington, VA 22203; 703-696-7313; Fax:
703-696-7320; {victoria.franques@afosr.af.mil};
{www.afosr.sciencewise.com}.
back to top
$600,000
Grant To Small Businesses To Work On General Aviation Related Ideas
Supports high quality research or research and development (R&D) proposals
promoting revitalization of general aviation. Awards stimulate technological
innovation in the private sector, strengthening the role of small businesses
in meeting Federal R&D needs, and fostering and encouraging participation
by women-owned and socially and economically disadvantaged small business
firms in technological innovation. Support under NASA's Small Business
Innovative Research Program is normally provided for six months and up
to $70,000 for Phase I
projects (to determine the scientific or technical feasibility of ideas
submitted by proposers on research topic areas designated in the solicitation)
and two years and up to $600,000 for Phase II awards (principal research
and development effort). Proposals are accepted on a solicitation only
basis. Up to date solicitation announcements and deadlines are posted
on the website listed above. For questions or assistance contact the NASA
SBIR Help Desk: (301) 937-0888 between 8:00 a.m. - 5:00 p.m. Monday-Friday
(Eastern Time). Unsolicited proposals will not be accepted. Only businesses
that are independently owned, controlled, and operated for-profit and
with 500 or less employees are eligible to apply. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. The primary employment of the principal investigator must be
with the small business at the time of the award. A joint venture must
provide documentation confirming that it can act as a single legal entity
for purposes of a grant awarded under the SBIR program. Contact NASA,
Paul Mexcur, Program Manager, Code 710, Bldg. 3, Room 108, Goddard Space
Flight Center, Greenbelt, MD 20771; 301-286-8888; Fax: 301-937-0204; {sbir@reisys.com};
{sbir.nasa.gov/SBIR/nasasbir.htm}.
back to top
$330,000
Grant To Small Towns To Lend Money To Local Small Businesses
Provides grants from the Rural Business-Cooperative Service to rural communities
through Rural Utilities Service (RUS) borrowers to be used for revolving
loan funds for community facilities and infrastructure and for assistance
in conjunction with rural economic development loans. Applications may
be filed on any business day at state office and should include "Application
for Federal Assistance" as well as other documentation. Contact state
office for questions concerning the application process and for a list
of required documentation. Borrower may not be delinquent on an Federal
debt or in bankruptcy proceedings. Contact U.S. Department of Agriculture, Rural Business-Cooperative Service,
1400 Independence Ave., SW, Room 5050 South Building, Washington, DC 20250; 202-690-4730;
{www.rurdev.usda.gov/}.
back to top
$750,000
Grant To Small Businesses To Commercialize Environmental And Energy Related
Research
Supports creative advanced research in technical areas such as biological
and environmental research, high energy and nuclear physics, fossil and
fusion energy, and environmental management. that encourage the conversion
of Government-funded research in a commercial application. Awards stimulate
technological participation and innovation by small businesses as well
as minority, disabled, and other disadvantaged individuals. Proposals
are accepted on a solicitation only basis (see website above for calls
for proposals). Support under the Small Business Innovative Research Program
is normally provided for six months and up to $100,000 for Phase I projects
(to explore the feasibility of innovative concepts) and two years and
up to $750,000 for Phase II awards (principal research and development
effort). Applications for both Phase I and Phase II grants should be mailed
to the above address. A detailed online guide for application requirements
and procedures can be found at: {sbir.er.doe.gov/sbir/Solicitations/FY%202001/2001.htm}.
Unsolicited proposals will not be accepted. Only businesses that are independently
owned, controlled, and operated for-profit and with 500 or less employees
are eligible to apply. Each organization submitting a proposal must qualify
as a small business for research and development purposes. The primary
employment of the principal investigator must be with the small business
at the time of the award. Contact U.S. Department of Energy, Robert Berger,
Program Manager, U.S. Dept. of Energy, SBIR/STTR Program, SC-32, 19901
Germantown Road, Germantown, MD 20874; 301-903-1414; Fax: 301-903-5488;
{sbir-strr@science.doe.gov};
{sbir.er.doe.gov/sbir}.
back to top
$300,000
Grant To Small Businesses To Commercialize Scientific and Engineering
Ideas
Supports creative advanced research in scientific and engineering areas
that encourage the conversion of Government-funded research into a commercial
application. Awards stimulate technological participation and innovation
by small businesses as well as minority, disabled, and other disadvantaged
individuals. Proposals are accepted on a solicitation only basis (see
website for calls for proposals). Submission of NIST proposals should
be sent in 6 copies to: ATTN: SBIR Proposals, U.S. Dept. of Commerce,
NOAA, Contract Administration Branch, Code OFA613; 1305 East-West Highway,
SSMC4, Station 7604; Silver Spring, MD 20910. A detailed online guide
for application requirements and preparation procedures can be found at:
{www.rdc.noaa.gov/~amd/sbir-01noaa.pdf}.
Unsolicited proposals will not be accepted. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. The primary employment of the principal investigator must be
with the small business at the time of the award. Contact Department of
Commerce, NOAA, Dr. Joseph M. Bishop, NOAA/SBIR Program Manager, SBIR
Program Office; U.S. Dept. of Commerce/NOAA, 1315 East-West Highway, Room
11434, Silver Spring, MD 20910; 301-713-3565; Fax: 301-713-4100; {Joseph.bishop@noaa.gov};
{www.noaa.gov/sbir}.
back to top
$200,000
To Operate A Farm Or Ranch
Assists operators of not larger than family farms to make efficient use
of their land, labor, and other resources, and to establish and maintain
financially viable farming and ranching operations. May be used to operate
family-owned ranches and agricultural businesses and to purchase livestock,
farm equipment, seed, chemicals, etc. as well as to make minor improvements
to buildings, costs associated with land and water development and family
assistance. National Office: USDA, Farm Service Agency; Box 0522; Washington,
DC 20250. Applications should be mailed to local county office. Contact
state office below for referral to county/regional. Must have education,
training, and experience in managing/operating a farm; must be U.S citizen;
must have acceptable credit history. If farm/ranch will be operated as
a business entity, all members must be related by blood or marriage. Contact
Farm Service Agency, U.S. Department of Agriculture, 1400 Independence Ave., SW, Washington, DC 20250; 202-720-7807;
{www.fsa.usda.gov/}.
back to top
$10,000,000
For Businesses In Small Towns
Helps create jobs and stimulates rural economies by providing financial
backing for rural businesses. Provides guarantees up to 90 percent of
a loan made by a commercial lender. Loan proceeds may be used for working
capital, machinery and equipment, buildings and real estate, and certain
types of refinancing. Beneficiaries include may include cooperatives.
Applicants must be U.S. citizens, and, if corporations, at least 51% owned
by such individuals. Contact U.S. Department of Agriculture, Rural Business-Cooperative Service,
1400 Independence Ave., SW, Room 5050 South Building, Washington, DC 20250; 202-690-4730;
{www.rurdev.usda.gov/}.
back to top
$730,000
Grant To Small Businesses To Work On Military Related Ideas
Funds early-stage research and development projects of small companies
that have the potential for commercialization in the private sector or
U.S. military markets. The Army's Small Business Innovative Research Program
is normally provided for six months and up to $70,000 for Phase I projects
(for a feasibility study to evaluate the scientific and technical merit
of an idea) and two years and up to $730,000 for Phase II awards (demonstration
phase in which prototypes are built and tested). For general inquiries,
contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow the Army's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
below. Unsolicited proposals will not be accepted. Only businesses that
are independently owned, controlled, and operated for-profit and with
500 or less employees are eligible to apply. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. Only awardees in Phase I are eligible to participate in Phase
II (by invitation only). Contact Department of Defense - U.S. Army, Dr.
Kenneth A. Bannister, U.S. Army SBIR Program Manager, U.S. Army Research
Office, Rm. 8N31, Army Material Command Bldg., 5001 Eisenhower Ave., Alexandria,
VA 22333; 703-617-7425; Fax: 703-617-8274; {aro-sbir@hqamc.army.mil};
{www.aro.army.mil/arowash/rt/sbir.htm}.
back to top
$500,000
Grant To Small Businesses To Commercialize Health Related Ideas
Funds joint venture innovative research opportunities for small business
and the nation's premier non-profit research institutions. The purpose
of this collaboration is to move ideas from the laboratory to the marketplace,
to foster high-tech economic development and to address the technological
needs of the Federal Government. NIH solicits proposals for biomedical
and behavioral research and awards up to $100,000 for approximately one
year for Phase I projects (the exploration of the scientific, technical
and commercial feasibility of an idea) and up to $500,000 for up to two
years for Phase II (development and commercialization of Phase I projects).
Proposals may only be submitted in response to solicitations . See website
below for current solicitations and deadlines. Applicants must be a small,
American-owned and for-profit business of 500 or fewer employees (including
subsidiaries and affiliates). The nonprofit research institution must
also be located in the U.S. At least 40 percent of the research project
is to be conducted by the small business concern and at least 30 percent
of the work is to be conducted by the "partnering' research institution.
Contact National Institutes of Health, Joanne Goodnight, Coordinator SBIR/STTR
Programs, Office of Extramural Research - NIH, 6701 Rocklege Dr. RKLG
II, Rm. 6186, Bethesda, MD 20892; 301-435-2688; Fax: 301-480-0146; {jg128w@nih.gov};
{grants.nih.gov/grants/funding/sbir.htm#sttr}.
back to top
$500,000
Grant For Small Business To Work On Scientific Research With Non-Profit
Organizations
Funds joint venture innovative research opportunities for small business
and the nation's premier non-profit research institutions. The purpose
of this collaboration is to move ideas from the laboratory to the marketplace,
to foster high-tech economic development and to address the technological
needs of the Federal Government. NSF awards up to $100,000 for approximately
one year for Phase I projects (the exploration of the scientific, technical
and commercial feasibility of an idea) and up to $500,000 for up to two
years for Phase II (development and commercialization of Phase I projects).
For specific reporting requirements and instructions for
completing proposal visit the following website: {www.eng.nsf.gov/sbirspecs/Reporting/reporting.htm}.
For additional grant-writing guidance: {www.nsf.gov/cgi-bin/getpub?nsf012}.
Proposals may only be submitted in response to solicitations . See website
below for current solicitations and deadlines. Applicants must be a small,
American-owned and for-profit business of 500 or fewer employees (including
subsidiaries and affiliates). The nonprofit research institution must
also be located in the U.S. At least 40 percent of the research project
is to be conducted by the small business concern and at least 30 percent
of the work is to be conducted by the "partnering' research institution.
Contact National Science Foundation, Ritchie Coryell, Program Manager,
4201 Wilson Blvd., Arlington, VA 22230; 703-292-5111; Fax: 703-292-9057;
{sbir@nsf.gov}; {www.nsf.gov}.
back to top
$500,000
Grant To Small Businesses To Commercialize General Aviation Related Ideas
Funds joint venture innovative research opportunities for small business
and the nation's premier non-profit research institutions. The purpose
of this collaboration is to move ideas from the laboratory to the marketplace,
to foster high-tech economic development and to address the technological
needs of the Federal Government. NASA awards up to $100,000 for approximately
one year for Phase I projects (the exploration of the scientific, technical
and commercial feasibility of an idea) and up to $500,000 for up to two
years for Phase II (development and commercialization of Phase I projects).
For general questions or assistance contact NASA's STTR Help Desk at (301)
937-0888. Proposals may only be submitted in response to solicitations
. See website below for current solicitations and deadlines. Applicants
must be a small, American-owned and for-profit business of 500 or fewer
employees (including subsidiaries and affiliates). The nonprofit research
institution must also be located in the U.S. At least 40 percent of the
research project is to be conducted by the small business concern and
at least 30 percent of the work is to be conducted by the "partnering'
research institution. Contact NASA, W. Paul Mexcur, Program Manager, Goddard
Space Flight Center, Code 710, Greenbelt, MD 20771; 301-286-8888; Fax:
301-937-0204; {sbir@reisys.com};
{sbir.nasa.gov}.
back to top
$2,000,000
Grant to Organizations In Small Towns Who Lend To Local Small Businesses
Finances business facilities and community development projects in rural
areas through loans made to "intermediaries". Intermediaries
re-lend funds to "ultimate recipients" for the establishment
of new businesses, the expansion of existing businesses, creation of employment
opportunities, saving of existing jobs, or community development projects.
Intermediaries may be private non-profit corporations, public agencies,
Indian groups, or cooperatives; ultimate recipients may be public or private
organizations or individuals. Applications should be mailed to the above
address. For regulations and application instructions contact the IRP
representative listed below. The maximum loan to any one intermediary
is $2 million with interest rate of 1% per annum. Intermediaries must
not use IRP funds to finance more than 75% of the cost of an ultimate
recipient's project or for a loan of more than $150,000 to one ultimate
recipient. At least 51% of the owners or members of both intermediaries
and ultimate recipients must be U.S. citizens and should be unable to
obtain the proposed loan elsewhere at reasonable rates and terms. All
of the IRP loan funds received by an intermediary must be reloaned to
ultimate recipients. Contact U.S. Department of Agriculture, Rural Business-Cooperative Service,
1400 Independence Ave., SW, Room 5050 South Building, Washington, DC 20250; 202-690-4730;
{www.rurdev.usda.gov/}.
back to top
$500,000
Grant For Small Businesses To Commercialize Education Related Ideas
Funds joint venture innovative research opportunities for small business
and the nation's premier non-profit research institutions. The purpose
of this collaboration is to move ideas from the laboratory to the marketplace,
to foster high-tech economic development and to address the technological
needs of the Federal Government. DOE awards up to $100,000 for approximately
nine months for Phase I projects (the exploration of the scientific, technical
and commercial feasibility of an idea) and up to $500,000 for up to two
years for Phase II (development and commercialization of Phase I projects).
For specific reporting requirements and instructions for completing proposal
visit the website below. Proposals may only be submitted in response to
solicitations. See website below for current solicitations and deadlines.
Applicants must be a small, American-owned and for-profit business of
500 or fewer employees (including subsidiaries and affiliates). The nonprofit
research institution must also be located in the U.S. At least 40 percent
of the research project is to be conducted by the small business concern
and at least 30 percent of the work is to be conducted by the 'partnering'
research institution. Contact Department of Education, Robert Berger,
Program Manager, U.S. Dept. of Energy, SBIR/STTR Program SC-32, 19901
Germantown Rd., Germantown, MD 20874; 301-903-1414; Fax: 301-903-5488;
{sbir-sttr@science.doe.gov};
{sbir.er.gov/sbir/Index.htm}.
back to top
$300,000
Grant To Small Businesses To Work On Education Related Ideas
Provides grants to small business firms to support research in educational
technology, science, or engineering with the goal of stimulating technological
innovation in the private sector and strengthening the role of small business
in meeting Federal research and development (R&D) needs. Support under
the Dept. of Ed's Small Business Innovative Research Program is normally
provided for six months and up to $60,000 for Phase I projects (for a
feasibility study to evaluate the scientific and technical merit of an
idea) and two years and up to $300,000 for Phase II awards (to expand
the results of and further the development of Phase 1). Proposals are
accepted on a solicitation only basis. The 2001 Dept. of Ed. SBIR Phase
1 solicitation will be announced on January 26, 2001. Up to date solicitation
announcements and directions for submitting proposals are posted on the
website listed below. Unsolicited proposals will not be accepted. Only
businesses that are independently owned, controlled, and operated for-profit
and with 500 or less employees are eligible to apply. Each organization
submitting a proposal must qualify as a small business for research and
development purposes. The primary employment of the principal investigator
must be with the small business at the time of the award. A joint venture
must provide documentation confirming that it can act as a single legal
entity for purposes of a grant awarded under the SBIR program. Only awardees
in Phase I are eligible to participate in Phase II (by invitation only).
Contact U.S. Department of Education, Lee Eiden, Program Coordinator,
Room 508D, Capitol Place, 555 New Jersey Avenue, N.W., Washington, DC
20208; 202-219-2004; {Lee_Eiden@ed.gov};
{www.ed.gov/offices/OERI/SBIR}.
back to top
$500,000
Grant For Small Businesses To Work On Defense Related Research
Funds joint venture innovative research opportunities for small business
and the nation's premier non-profit research institutions. The purpose
of this collaboration is to move ideas from the laboratory to the marketplace,
to foster high-tech economic development and to address the technological
needs of the Federal Government. he Navy's Small Business Technology Transfer
Program is normally provided for up to one year and up to $100,000 for
Phase I projects (for a feasibility study to evaluate the scientific and
technical merit of an idea) and for two years and up to $500,000 for Phase
II awards (development and commercialization of Phase I projects). In
addition to following DoD-wide instructions in the program solicitation,
proposers must also follow the Navy's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
below. Proposals may only be submitted in response to solicitations .
See website below for current solicitations and deadlines. Applicants
must be a small, American-owned and for-profit business of 500 or fewer
employees (including subsidiaries and affiliates). The nonprofit research
institution must also be located in the U.S. At least 40 percent of the
research project is to be conducted by the small business concern and
at least 30 percent of the work is to be conducted by the "partnering'
research institution. Contact Department of Defense - NAVY, John Williams,
Program Manager, Office of Naval Research, ONR 364SBIR, Ballston Tower
#2, Rm. 106, 800 N. Quincey St., Arlington, VA 22203; 703-696-0342; Fax:
703-696-4884; {williajr@onr.navy.mil};
{www.onr.navy.mil/sbir}.
back to top
$500,000
For Women-Owned And Minority Businesses To Get Government Contracts
Assists minority-owned, women-owned and other disadvantaged business enterprises
to obtain working capital to perform transportation related contracts
for the Department of Transportation. Applications are submitted to a
participating bank. For a list of participating banks see OSDBU website
below. Applicants must have a transportation related contract and must
be certified as a Disadvantaged Business Enterprise by any agency applying
DOT certification guidelines or by the U.S. Small Business Administration.
Funds are limited to short term costs of contracts being financed and
are not available for refinancing of existing debt; contract mobilization;
equipment or other long term uses. Contact U.S. DOT, Office of Small and
Disadvantaged Business Utilization, Jerry Franco, Program Manager, Office
of Small and Disadvan. Bus. Utilization S40, 400 7th St., SW, Rm. 9410,
Washington, DC 20590; 202-366-1930; Fax: 202-366-7538; {osdbuweb.dot.gov/business/mp/mktpkg10.html}.
back to top
$500,000
Grant For Small Businesses To Work On Defense Related Research
Funds joint venture innovative research opportunities for small business
and the nation's premier non-profit research institutions. The purpose
of this collaboration is to move ideas from the laboratory to the marketplace,
to foster high-tech economic development and to address the technological
needs of the Federal Government. The Army's Small Business Technology
Transfer Program is normally provided for up to one year and up to $100,000
for Phase I projects (for a feasibility study to evaluate the scientific
and technical merit of an idea) and for two years and up to $500,000 for
Phase II awards (development and commercialization of Phase I projects).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow the Army's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
below. Proposals may only be submitted in response to solicitations .
See website below for current solicitations and deadlines. Applicants
must be a small, American-owned and for-profit business of 500 or fewer
employees (including subsidiaries and affiliates). The nonprofit research
institution must also be located in the U.S. At least 40 percent of the
research project is to be conducted by the small business concern and
at least 30 percent of the work is to be conducted by the "partnering'
research institution. Contact Department of Defense - ARMY, Dr. Frank
Hurley, Program Manager, U.S. Army Research Office, Attn: STTR-2001 P.O.
Box 12211, Research Triangle Park, NC 27709; 919-549-4322; Fax: 919-549-4248;
{hurley@arl.aro.army.mil};
{www.aro.army.mil/arowash/rt/}.
back to top
$600,000
Grant To Small Businesses To Commercialize Military Technology
Funds early-stage research and development projects of small companies
that have the potential for commercialization in the private sector or
U.S. military markets. The Navy's Small Business Innovative Research Program
is normally provided for six months and up to $70,000 for Phase I projects
(for a feasibility study to evaluate the scientific and technical merit
of an idea) and two years and up to $600,000 for Phase II awards (demonstration
phase in which prototypes are built and tested). For general inquiries,
contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow the Navy's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
below. Unsolicited proposals will not be accepted. Only businesses that
are independently owned, controlled, and operated for-profit and with
500 or less employees are eligible to apply. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. Only awardees in Phase I are eligible to participate in Phase
II (by invitation only). Contact Department of Defense - U.S. Navy, Vincent
Schaper, Navy SBIR Program Manager, Office of Naval Research (ONR 362),
800 N. Quincey Street, BCT #1, Room 633, Arlington, VA 22217; 703-696-8528;
Fax: 703-696-4884; {Schapev@onr.nay.mil};
{www.navysbir.brtrc.com/index.htm}.
back to top
$500,000
Grant To Small Businesses To Work On Missile Technology
Funds early stage research and development by small businesses that support
BMDO's mission of developing innovative technology for the purpose of
enabling a defense against missiles in flight. BMDO's Small Business Innovative
Research Program typically provides up to $60,000 over the course of six
months for Phase I projects (for a feasibility study to evaluate the scientific
and technical merit of an idea) and up to $500,000 over the course of
two years for Phase II awards (demonstration phase in which prototypes
are built and tested). For general inquiries, contact the DoD SBIR Help
Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow BMDO's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
below. Unsolicited proposals will not be accepted. Only businesses that
are independently owned, controlled, and operated for-profit and with
500 or less employees are eligible to apply. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. The primary employment of the principal investigator must be
with the small business at the time of the award. A joint venture must
provide documentation confirming that it can act as a single legal entity
for purposes of a grant awarded under the SBIR program. Only awardees
in Phase I are eligible to participate in Phase II (by invitation only).
Contact Department of Defense - BMDO (Ballistic Missile Defense Organization),
Jeff Bond, SBIR Program Manager, Ballistic Missile Defense Organization,
1725 Jefferson Davis Hwy., Suite 809, Arlington, VA 22202; 703-604-3538;
Fax: 703-604-3956; {jeff.bond@bmdo.osd.mil};
{www.winbmdo.com}.
back to top
$500,000
Grant For Small Businesses To Work On Research With Non-Profit Organizations
Funds joint venture innovative research opportunities for small business
and the nation's premier non-profit research institutions. The purpose
of this collaboration is to move ideas from the laboratory to the marketplace,
to foster high-tech economic development and to address the technological
needs of the Federal Government. The BMDO's Small Business Technology
Transfer Program is normally provided for one year and up to $100,000
for Phase I projects (for a feasibility study to evaluate the scientific
and technical merit of an idea) and for two years and up to $500,000 for
Phase II awards (development and commercialization of Phase I projects).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow the BMDO's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
above. For administrative help with the BMDO's STTR application process
call 800-937-3150. Proposals may only be submitted in response to solicitations
. See website below for current solicitations and deadlines. Applicants
must be a small, American-owned and for-profit business of 500 or fewer
employees (including subsidiaries and affiliates). The nonprofit research
institution must also be located in the U.S. At least 40 percent of the
research project is to be conducted by the small business concern and
at least 30 percent of the work is to be conducted by the "partnering'
research institution. Contact Department of Defense - Ballistic Missile
Defense Organization (BMDO), Jeff Bond, Program Manager, Ballistic Missile
Defense Organization, Attn: Bond, 1725 Jefferson Davis Hwy., Suite 809,
Arlington, VA 22202; 703-697-3699; Fax: 703-695-5724; {jeff.bond@bmdo.osd.mil};
{www.winbmdo.com}.
back to top
$750,000
Grant To Small Businesses To Commercialize Military Technology
Funds early-stage research and development projects of small companies
that have the potential for commercialization in the private sector or
U.S. military markets. The Air Force's Small Business Innovative Research
Program is normally provided for nine months and up to $100,000 for Phase
I projects (for a feasibility study to evaluate the scientific and technical
merit of an idea) and two years and up to $750,000 for Phase II awards
(demonstration phase in which prototypes are built and tested). For general
inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634) or by
email (sbirhelp@teltech.com).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow the Air Force's instructions for submission
of proposals. Specific requirements and guidelines can be found at the
website listed above. For general information or questions regarding Air
Force SBIR topics write sbir-hq@afrl.af.mil or call 800-222-0336. Unsolicited
proposals will not be accepted. Only businesses that are independently
owned, controlled, and operated for-profit and with 500 or less employees
are eligible to apply. Each organization submitting a proposal must qualify
as a small business for research and development purposes. Only awardees
in Phase I are eligible to participate in Phase II (by invitation only).
Contact Department of Defense - Air Force, Stephen Guilfoos, SBIR Program
Manager, AFRL/XPTT, 1864 4th Street, Suite 1, Wright-Patterson, AFB, OH
45433; 937-656-9021; Fax: 937-255-2329; {Stephen.guilfoos@afrl.af.mil};
{www.afrl.af.mil/sbir/index.htm}.
back to top
$750,000
Grant To Small Businesses To Work On Defense Techology Related Ideas
Funds early stage research and development by small businesses that support
DARPA's mission of advancing state-of-the-art defense technology, and
that have a strong likelihood of being successfully marketed commercially.
DARPA's Small Business Innovative Research Program typically provides
up to $99,000 over the course of nine months for Phase I projects (for
a feasibility study to evaluate the scientific and technical merit of
an idea) and up to $750,000 over the course of two years for Phase II
awards (demonstration phase in which prototypes are built and tested).
For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634)
or by email (sbirhelp@teltech.com).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow DARPA's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
below. Unsolicited proposals will not be accepted. Only businesses that
are independently owned, controlled, and operated for-profit and with
500 or less employees are eligible to apply. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. Only awardees in Phase I are eligible to participate in Phase
II (by invitation only). Contact Department of Defense - DARPA (Defense
Advanced Research Agency), Connie Jacobs, SBIR Program Manager, Contracts
Management Office - DARPA, 3701 North Fairfax Drive, Arlington, VA 22203;
703-526-4162; Fax: 703-841-5158 {cjacobs@darpa.mil};
{www.darpa.mil/sbir/}.
back to top
$500,000
Grant To Small Businesses To Work On Imagery Related Ideas
Funds early stage research and development by small businesses that support
NIMAs mission to provide timely, relevant, and accurate imagery, imagery
intelligence, and geospatial information in support of national security
objectives. NIMA's Small Business Innovative Research Program typically
provides up to $100,000 over the course of nine months for Phase I projects
(for a feasibility study to evaluate the scientific and technical merit
of an idea) and up to $500,000 over the course of two years for Phase
II awards (demonstration phase in which prototypes are built and tested).
For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634)
or by email (sbirhelp@teltech.com).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow NIMA's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
below. General questions about NIMA's SBIR program may also be sent to
{sbir@nima.mil}. Unsolicited proposals
will not be accepted. Only businesses that are independently owned, controlled,
and operated for-profit and with 500 or less employees are eligible to
apply. Each organization submitting a proposal must qualify as a small
business for research and development purposes. Only awardees in Phase
I are eligible to participate in Phase II (by invitation only). Contact
Department of Defense - NIMA (National Imagery and Mapping Agency), Dr.
Kathleen Morrish, SBIR Program Manager, 12310 Sunrise Valley Drive, Mail
Stop P-53, Reston, VA 20191; 703-262-4557; Fax: 703-262-4588; {morrishk@nima.mil};
{www.nima.mil}.
back to top
$750,000
Grant To Small Businesses To Work On Ideas For The Defense Department
Funds early stage research and development by small businesses that support
USSOCOM's mission of developing and acquiring unique special operations
forces equipment, material, supplies, and services. USSOCOM's Small Business
Innovative Research Program typically provides up to $100,000 over the
course of six months for Phase I projects (for a feasibility study to
evaluate the scientific and technical merit of an idea) and up to $750,000
over the course of two years for Phase II awards (demonstration phase
in which prototypes are built and tested). For general inquiries, contact
the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com).
In addition to following DoD-wide instructions in the program solicitation,
proposers must also follow USSOCOM's instructions for submission of proposals.
Specific requirements and guidelines can be found at the website listed
below. Unsolicited proposals will not be accepted. Only businesses that
are independently owned, controlled, and operated for-profit and with
500 or less employees are eligible to apply. Each organization submitting
a proposal must qualify as a small business for research and development
purposes. Only awardees in Phase I are eligible to participate in Phase
II (by invitation only). Contact Department of Defense - USSOCOM (United
States Special Operations Command), Karen L. Pera, SBIR Program Coordinator,
U.S. Special Operations Command, 7701 Tampa Point Blvd. SOAL-KS, MacDill
AFB, FL 33621; 813-840-5514; Fax: 813-840-5481; {Perak@sosom.mil};
{www.socom.mil}.
back to top
$750,000
Grant To Small Businesses To Work On Health Related Ideas
Supports creative advanced research in the biomedical or behavioral research
areas that encourage the conversion of Government-funded research in a
commercial application. Awards stimulate technological participation and
innovation by small businesses as well as minority, disabled, and other
disadvantaged individuals. Proposals are accepted on a solicitation only
basis (see website below for calls for proposals). Support under the Small
Business Innovative Research Program is normally provided for six months
and up to $100,000 for Phase I projects (to explore the feasibility of
innovative concepts) and two years and up to $750,000 for Phase II awards
(principal research and development effort). Applications for both Phase
I and Phase II grants should be mailed to the address listed below. A
detailed online guide for application requirements and procedures can
be found at: {grants.nih.gov/grants/funding/sbirgrantsmanship.pdf}.
Unsolicited proposals will not be accepted. Only businesses that are independently
owned, controlled, and operated for-profit and with 500 or less employees
are eligible to apply. Each organization submitting a proposal must qualify
as a small business for research and development purposes. The primary
employment of the principal investigator must be with the small business
at the time of the award. Contact the Department of Health and Human Services
- National Institutes of Health, Bruce Butram, Grants Management Officer,
Center for Scientific Research, NIH, 6701 Rockledge Dr., Rm. 1040-MSC
7710, Bethesda, MD 20892; 301-435-0715; Fax: 301-480-1987; {grantsinfo@nih.gov};
{grants.nih.gov/grants/funding/sbir.htm}.
back to top
$500,000
Low Interest Loan To Apple Producers
Provides loans to apple producers who are suffering hardships due to low
prices. Pays costs associated with reorganizing a farm to improve profitability,
purchase equipment, make capital improvements, refinance debt, pay annual
operating expenses, or acquire, enlarge, or lease a farm. Eligible applicants
may obtain loans up to $300 per acre of apple trees in production in 1999
or 2000, up to a maximum of $500,000. Maximum repayment term is 3 years,
and the interest rate is based on government borrowing costs. Applications
may be mailed to address below or submitted to local FSA Office. Contact
state office listed below for referral to appropriate regional/county
office. Applicant must have produced apples for market in either 1999
or 2000, with a minimum of 10 acres in production in either of those years.
Applicant must have acceptable credit history and demonstrate the ability
to repay the loan. Contact Farm Service Agency, U.S. Department of Agriculture,
Carolyn Prince, Program Manager, 8335 Guilford Rd., Suite E, Columbia,
MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.usda.gov};
{www.fsa.usda.gov/pas/publications/facts/html/apple00.htm}.
back
to top
Help
for Employers Dealing With WTC Tragedy
Safe
Horizon, New York City's leading victim assistance organization since
1978, is continuing their mission to provide support, prevent violence,
and promote justice for victims of crime and abuse, their families and
communities by responding the special needs of the victims of the World
Trade Center Tragedy. Safe Horizons is offering assistance to businesses
and organizations whose employees are experiencing trauma and other related
issues as a result of the attack. Their Trained Crisis response Teams
are available to meet with staff, provide group support sessions, and
consult with human resource professionals regarding counseling and referrals
to additional health and practical services. Contact Safe Horizon, 800-621-HOPE;
212-577-7777; {http://www.safehorizon.org/}.
back to top
Lack
Funds, Credit? Try Bartering!
The Manhattan-based company, Barter Advantage Inc., has offered companies
affected by the terrorist attacks on the World Trade Center the opportunity
to barter for equipment or services. Lois Dale, Barter Advantage's chief
executive officer, states that the company will waive its usual $600 membership
fee for the first year for those businesses affected by the recent tragedy.
Barter Advantage will assist companies that need advertising, graphic
design, public relations, alarm systems, cell phones, carpeting, tiles,
computer repair, office furniture, meet space, printing, painting contractors,
messenger services, and chemicals. Affected businesses can request equipment
or services, and later, swap their own machinery or services into Barter
Advantage's system. Contact Barter Advantage, Inc., 1751 2nd Ave, New
York, NY 10128; 212-860-2000.
back to top
Meeting Space
Offered in New York City for Affected Businesses
The
New York Women in Film and Television, a nonprofit membership organization
dedicated to helping women reach the highest level of achievement in film
and television, has a meeting room (seating capacity 21-25) that they
are willing to donate for use by downtown groups that have been affected
by the crisis Contact New York Women in Film and Television, 6 East 39th
St, #1200, New York, NY 10016; 212-679-0874; Fax: 212-679-0899; Contact:
Terry Lawler; {E-Mail: tlawler@nywift.org};
{www.nywift.org}.
back to top
IT
Company Offers Free Service to Businesses Affected by Tragedy
KeyBridge
Corporation is a global company based in Washington, D.C. that specializes
in Web hosting and managed Internet services. They are offering their
resources to help those businesses that have been affected by the recent
tragedy. They are offering temporary, free email and Web services with
no obligation to businesses trying to rebuild crippled IT infrastructures.
They are willing to offer these services to multinationals and domestic
companies, large and small. Contact KeyBridge Corporation, 12369 Sunrise
Valley Drive, Reston, VA 22091; Contact: Beth La Guardia; 888-249-3513;
{www.keybridge.com}.
back to top
Free
Office Space
Totus Office Solutions of Melville New York is offering one month of free
office space at the Melville Corporate Center to companies displaced by
the attack on the World Trade Center. Contact Totus Office Solutions,
back to top The Melville Corporate Center, 105 Maxess
Road, Melville, NY 11747; 516-574-4400; {www.totusoffice.com}.
Free Help
Restoring Computer Services
Computer Associates International, Inc. (NYSE: CA) delivers the software
that manages eBusiness. CA's world-class solutions address all aspects
of eBusiness process management, information management, and infrastructure
management in six focus areas: enterprise management, security, storage,
eBusiness transformation and integration, portal and knowledge management,
and predictive analysis and visualization. Their SWAT (Software Action
Teams) teams are standing by to assist businesses affected by tragedy,
on a pro-bono basis, with the restoration of data and computing services.
Contact Computer Associates International, Inc., One Computer Associates
Plaza, Islandia, NY 11749; 631-342-5224; 800-225-5224; Fax: 631-342-5329;
{www.cai.com/about.htm}.
back to top
Free Messaging System Offered to Businesses
Affected by the Attacks
Microsoft
NYC and Mi8 Corporation are offering free services to companies affected
by the attacks on the World Trade Center and the Pentagon, and to nonprofit
and government organizations involved in the relief efforts. The services
consist of an advanced messaging system based on Microsoft Exchange server.
This system offers email, contact management, a storage system for documents
and other electronic materials, and much more. Mi8 will help companies
set up these free accounts with Internet access and will support the users
as they learn to use the system. The offer is 90 days of free service
with no upfront costs and no commitments, and is designed to help both
organizations that have lost infrastructure and are struggling to continue
business operations, and the relief organizations. Contact Carlos Lorenzo
or Brad Kern by phone or email. Contact Mi8 Corporation, 601 W 28th Street
11th Floor, New York, NY 10016; 800-965-4648; {E-Mail: support@Mi8.com}.
back to top
Support
Offered to Displaced Nonprofits
In
an effort to assist New York nonprofit organizations that have temporarily
lost the use of their computer equipment or Internet access due to the
recent tragic events, the Foundation Center is offering free use of its
computer lab in the New York library and learning center during normal
business hours. The lab is equipped with 22 computers running Microsoft
Office Suite software and with high-speed Internet connections. Pre-registration
is not required, although nonprofits will be asked to sign in at the reception
desk. Contact The Foundation Center, 79 Fifth Avenue, New York, NY; 212-807-2411;
Contact: Charlotte Dion.; {E-Mail: cd@fdcenter.org};
{www.fdcenter.org}.
back to top
Free
Bookkeeping Services
JMT
Consulting serves nonprofit organizations exclusively, providing technology,
bookkeeping, and accounting services. They are offering pro bono assistance
to any organization that was impacted by the September 11th attacks by
setting up the organizations' books on their system and keeping the books
for 30-60 days. They will also provide hardware/software at their cost,
to set up the systems as the organization gets started again Contact JMT
Consulting, Jacqueline Tiso, 2022 Route 22, #105, Brewster, NY 10509;
845-278-9262; Fax: 845-278-9266; {E-Mail: info@jmtconsulting.com};
{www.jmtconsuting.com}.
back to top
Free
Consulting Services for Businesses Needing Technology Assistance
The
Fund for the City of New York is a privately operating foundation with
the mandate to improve the quality of life for all New Yorkers by advancing
the functioning of government and nonprofit organizations in New York
City. They are making their consulting services available free of charge
to any nonprofit organization in need of disaster-related technology assistance.
This assistance can include the development of emergency websites, relocation
assistance, or any technology needs. To request this assistance, contact
Alicia Altmueller at 212-925-6705, email: aaltmueller@fcny.org
or Joshua Peskay at 917-747-1154, {email: jpeskay@fcny.org}.
Contact The Fund for the City of New York, 121 Sixth Avenue, 6th Floor,
New York, NY 10013; 212-924-6675; Fax: 212-219-2580; {E-Mail: info@fcny.org};
{www.fcny.org}.
back to top
Free
Insurance Assistance Offered to Businesses
American
Corporate Benefits, Inc., a consulting firm for the design and implementation
of cost effective employee benefit programs, will assist any nonprofit
with any issue relating to the World Trade Center tragedy. This includes
life and health insurance issues, pension and 403(b) concerns, consulting
services and claim assistance, all free of charge. Contact American Corporate
Benefits, Richard Allen, President., 45 Wall Street, New York, NY 10005;
212-843-2344; Fax: 212-843-2711; {E-Mail: acbi@acbi.com};
{www.acbi.com}.
back to top
Free
Stress Relief and Bereavement Counseling for Businesses
Healing
Works, a nonprofit dedicated to providing holistic healthcare and education
to people in need, offers free stress relief and bereavement counseling
services for staff of social service agencies and other nonprofit groups
in NYC. Through our Care to the Caregivers program, Healing Works offers
full day wellness retreats at the Wellness Center. They are also able
to arrange special workshops at an agency's site. Most recently, they
are holding special full day retreats of healing and remembrance for staff
dealing with the crisis produced by the World Trade Center bombings. Contact
Healing Works, 244 Fifth Avenue, 6th Floor, New York, NY 10001; Contact:
Ann Paiva; 212-696-9144; Fax: 212-696-9171; {E-Mail: info@healingworks.org};
{www.healingworks.org}.
back to top
Money
For A Big Or Small Business:
The
Best Starting Places For Starting A Business
Small
Business Development Centers (SBDCs) could be the best deal the government
has to offer to entrepreneurs and inventors, and a lot of people don't
even know about them! Where else in the world can you have access to a
$150 an hour consultant for free? There are over 700 of these offices
all over the country and they offer free (or very low cost) consulting
services on most aspects of business including:
* how to
write a business plan
* how to get financing
* how to protect your invention
* how to sell your idea
* how to license your product
* how to comply with the laws
* how to write a contract
* how to sell overseas
* how to get government contracts
* how to help you buy the right equipment
You don't
even have to know how to spell ENTREPRENEUR to contact these offices.
They cater to both the dreamer, who doesn't even know where to start,
as well as to the experienced small business that is trying to grow to
the next stage of development. In other words, the complete novice or
the experienced professional can find help through these centers. Why
spend money on a consultant, a lawyer, an accountant, or one of those
invention companies when you can get it all for free at your local SBDC?Recently,
I spoke with some entrepreneurs who used a California SBDC and each of
them had nothing but praise for the services. A young man who dropped
out of college to start an executive cleaning business said he received
over $8,000 worth of free legal advice from the center and said it was
instrumental in getting his business off the ground. A woman who worked
in a bank started her gourmet cookie business by using the SBDC to help
her get the money and technical assistance needed to get her venture up
and running. And a man who was a gymnast raved about how the SBDC helped
him get his personal trainer business off the ground. All kinds of businesses
being started, and all kinds of compliments for the SBDC's role in assisting
these entrepreneurs, in whatever they are attempting. It sounds like a
solid recommendation to me. Can something that is free be so good? Of
course it can. Because most of the people who work there are not volunteers,
they are paid for by tax dollars. So it's really not free to us as a country,
but it is free to you as an entrepreneur. And if you don't believe me
that the SBDCs are so good, would you take the word of Professor James
J. Chrisman from the University of Calgary in Calgary, Alberta, Canada?
He was commissioned to do an independent study of SBDCs and found that
82% of the people who used their services found them beneficial. And the
businesses who used SBDCs had average growth rates of up to 400% greater
than all the other businesses in their area. Not bad. Compare this to
the Fortune 500 companies who use the most expensive consulting firms
in the country and only experience growth rates of 5% or less. So, who
says you get what you pay for?
Check with your state Economic Development Office to find your local Samll
Business Development Center..
Get $100 to $25,000 To Start
A Little Business
A recent survey showed that approximately 33% of the top 500 fastest growing
small businesses in the U.S. started with less than $10,000. It doesn't
take much money to start a business in today's information age and service
economy. We're no longer in the manufacturing age, when you needed a lot
of money to start a business because you needed to buy an expensive plant
and costly equipment. Today, many businesses are started with nothing
more than a phone, a desk, and business cards. Traditional government
money programs required entrepreneurs to ask for at least $50,000 to $100,000.
Now the government has set up Microenterprise Programs where you can ask
for just a small amount of money to make that big change in your life.
A
Growing Unknown Resource
These
programs are continually growing. They seem so successful that policy
makers are finding new ways to help them grow. But this growth and success
seems to be causing as many problems as the opportunities they are creating.
On one hand, the SBA programs recently increased the number of banks that
participate in its microloan program from 100 to 200 and also added a
subcategory of lenders to include for profit and nonprofit organizations.
Grants under this program will increase from $45 million in 1995 to $98
million in 1997, and direct loans will increase from $120 million to $250
million during the same period. But, on the other hand, I read that programs
like the one at the U.S. Department of Housing and Urban Development fell
short of their quota by $1.5 billion because not enough people applied.
This means that the poor bureaucrats administering the program couldn't
give out all their money because not enough people applied. I even got
a personal call from a local organization who had $50,000 of this money
for someone to open up a bakery, and no one applied for it.
66%
Chance of Being a Microloan Winner
Each
year thousands of people will be getting microloans to start or expand
their businesses. Although data is not available for every program, one
of the major microloan lenders estimates that 66% of the people who apply
for money, get it. Here are a few examples of recent recipients:
* $5,000
to Street Smart, Inc., a street-hockey equipment distributor in Southeastern
Pennsylvania
* $25,000 to Med-Ex Medical Express, a courier service that specializes
in the health care field
* $15,000 to Jeannette Saunders and Pamela Marshall of Sacramento, CA
to start P&J Word Processing Service
back to top
Up
To $10,000 For Refugees
Refugees can receive technical assistance, training, or loans of up to
$10,000 through a program called the Microenterprise Development Project.
The program allows states and public or private, nonprofit organizations
and institutions to apply to receive grants to develop and administer
microenterprise programs consisting of small-scale financing ($10,000)
available through microloans to refugees. It also includes funding for
technical assistance and support to these refugee entrepreneurs. For information
on organizations which were awarded grants, contact ORR/Division of Community
Resettlement, 370 L'Enfant Promenade, SW Sixth Floor, Washington, DC 20447;
202-401-9246.
back to top
Your
State Can Get You Money
This is the second largest component of the Community Development Block
Grant (CDBG) program and aids communities that do not qualify for assistance
under the CDBG entitlement program. The grants assist communities in carrying
out a wide range of community development activities directed toward neighborhood
revitalization, economic development, and the provision of improved community
facilities and services. Funds can also be used to provide assistance
to public and private organizations, agencies, and other entities (including
nonprofits and for-profits to facilitate economic development in supporting
microenterprise). Funds can be used to establish credit (direct loans
and loan guarantees, revolving loan funds, and more) for the stabilization
and expansion of microenterprises; provide technical assistance, advice,
and business support services to owners of microenterprises; and provide
general support to owners of microenterprises and organizations developing
microenterprises. If you are an interested citizen, you should contact
your local officials for more information. If your local government or
state officials cannot answer your questions, you may wish to contact
the HUD Field Office that services your area (see page 642). Be aware
that the state administers the program and determines which local projects
receive funding. You can also contact: Community Connections, Information
Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg,
MD 20898-7189; 800-998-9999.
back to top
Public
Housing Entrepreneurs
Call yourself a handyman and get money to fix up your neighborhood. Money
is set aside to give to public housing residents to modernize existing
public housing projects. The money can also be used to provide residents
with on-the-job training in construction and contractor related trades.
It's called the Comprehensive Grant Program, and is available to Public
Housing Agencies of 250 housing units or more, which includes 897 public
housing agencies nationwide. Contact your local Public Housing Authority
for more information, or you may contact U.S. Department of Housing and
Urban Development, Deputy Dirrector of Resident Initiative, 451 Seventh
Street, SW, Room 4112, Washington, DC 20410; 202-619-8201.
back to top
State
Microloan Programs
In
addition to the federal programs, many state governments are also putting
their money into microloan opportunities. Here are a few microloan programs
that are currently available at the state level:
* Iowa
- Self Employment Loan Program ($5,000 for low income)
* Maine - Job Start Program ($10,000)
* New York - Micro Loan Program - NY Job Development
* North Dakota - Micro Business Loans
* Ohio - Ohio Mini-Loan Program
* South Carolina - MicroEnterprise Loan Program
* Texas - Rural Microenterprise Loan Program
New
programs are being added all the time, so be sure to contact your state
capital for the most current information. Contact your state Office of
Economic Development listed in the blue pages of your phone book.
back to top
Money
To Start A Business In A Small Town
The Intermediary Relending Program (IRP) is a rural development program
administered by the Rural Business Cooperative Service (RBS). The purpose
is to provide loans for the establishment of new businesses, expansion
of existing businesses, creation of new employment opportunities, saving
of existing jobs, and funds to recipients for business facilities or community
development projects in rural areas. Loans are made to intermediaries
who relend funds to recipients for business facilities or community development.
You can borrow up to $150,000 with a maximum term of 30 years and an interest
rate of one percent per annum. For further information on these programs,
contact your local Rural Development Office. Look in the blue pages of
your telephone book under U.S. Department of Agriculture, contact your
state information operator, or contact the main office at Rural-Business-Cooperative
Service, 1400 Independence Avenue, SW, Room 5050, South Building, Washington,
DC 20250, 202-720-1019, {www.rurdev.usda.gov/rbs/oa/oadir.htm}.
Active/Approved IRP Loans
Alabama
Contact the USDA Rural Development office closest to you
back to top
Alaska
*Alaska Village Initiatives
1577 C Street #304
Anchorage, AK 99501
907-274-5400
* Tanana Chiefs Conference
122 1st Avenue
Fairbanks, AK 99705
907-452-8251
* Juneau Economic Development Council
612 W. Willoughby Ave., Suite A
Juneau, AK 99801-1732
907-463-3662
back to top
Arizona
*Business Development Finance Corporation (BDFC)
186 East Broadway Boulevard
Tucson, AZ 85701
520-722-5626
* Northern Arizona Council of Governments (NACOG)
119 East Aspen Avenue
Flagstaff, AZ 86001-5296
520-774-1895
*PEEP Microbusiness
806 East 46th Street
Tucson, AZ 85713
520-622-3553
back to top
Arkansas
*Arkansas Capital Relending Corporation
225 South Pulaski Street
Little Rock, AR 72201
501-374-9247
* Arkansas Development Finance Authority
100 Main Street, Suite 200
Little Rock, AR 72201
501-682-5900
* Arkansas Enterprise Group
708 Clinton Street
Suite 111
Arkadelphia, AR 71732
870-246-9739
* Arkansas Land and Farm Development Corporation
Rt. 2, Box 291
Brinkley, AR 72012
870-734-1140
* Community Resource Group
38 West Trenton Boulevard
Fayetteville, AR 72701
501-443-2700
Fax: 501-443-5036
* Delta Community Development Corporation
335 West Broadway Street
Forrest City, AR 72335
870-633-9112
*East Arkansas Planning and Development District
P.O. Box 1403
Jonesboro, AR 72403
870-932-3957
*Mississippi County AR Economic Opportunity Commission
2513 Atlanta
Blytheville, AR 72315
870-532-2348
*Southwest Arkansas Planning and Development District
P.O. Box 767
Magnolia, AR 71753
870-234-4030
* White River Planning and Development District
P.O. Box 2396
Batesville, AR 72503
870-793-5233
back to top
California
*Arcata
Economic Development Corporation
Aldergrove Industrial Park
100 Ericson Court, Suite 100
Arcarta, CA 95521
707-822-4616
Fax: 707-822-8982
*CDC
Small Business Finance Corporation
1224 State Street, Suite C
El Centro, CA 92243
760-353-3095
Fax: 760-353-0305
*
California
Capital Small Business Development Corporation
926 J Street, Suite 1500
Sacramento, CA 95814
916-442-1729
Fax: 916-442-7852
*
California
Coastal Rural Development Corporation
221 Main Street, Suite 301
Salinas, CA 93901
831-424-1099
Fax: 831-424-1094
Santa Cruz
831-459-6095
Fax: 831-459-6097
*
California
Statewide Certified Development Corporation
129 "C" Street
Davis, CA 95616
530-756-9310
Fax: 530-756-7519
*
Crown
Economic Development Corporation
1222 W. Lacey Blvd., Suite 101
Hanford, CA 93230
209-582-4326
209-582-7908
*
Del
Norte Economic Development Corporation
882 "H" Street
P.O. Box 728
Crescent City, CA 95531
707-464-2169
Fax: 707-464-3561
*
Lake
County Business Outreach & Response Team
4615 Work Right Circle
Suite B
Lakeport, CA 95453
707-262-1090
Fax: 707-262-1092
*
Rural
Community Assistance Corporation
2125 19th Street, Suite 203
Sacramento, CA 95818
916-447-2854
Fax: 916-447-2878
*
SAFE-BIDCO
1626 Fourth Street
Santa Rosa, CA 95404
707-577-8621
Fax: 707-577-7348
*
Tri-Agency
P.O. Box 473
Crescent City, CA 95531
707-464-7288
*
Superior
California EDD
737 Auditorium Drive, Suite A
Redding, CA 96001
530-225-2769
*
Tri-County
Economic Development Corporation
2540 Esplanade, Suite 7
Chico, CA 95973
530-893-8732
Fax: 530-893-0820
*
Valley
Small Business Development Corporation
3417 W. Shaw, Suite 100
Fresno, CA 93711
559-271-9030
Fax: 559-271-9078
*
Yuba-Sutter
E.D.C.
422 Century Park Drive, Suite B
Yuba City, CA 95991
530-751-8555
Fax: 530-751-8515
back to top
Colorado
*The
Colorado Housing & Finance Authority
1981 Blake Street
Denver, CO 80202
303-297-2432
800-877-CHFA
TDD: 303-297-7305
*
Mercy
Housing, Inc.
601 East 18th Avenue #150
Denver, CO 80203
303-393-3908
back to top
Connecticut
Contact the USDA Rural Development office closest to you
back to top
Delaware
Contact the USDA Rural Development office closest to you
back to top
Florida
*Jackson
County Development Council
P.O. Box 920
Moriama, FL 32447
850-526-4005
*
Community
Equity Investments, Inc.
302 North Barcelona Street
Pensacola, FL 32501
850-595-6234
back to top
Georgia
*Central
Savannah River Area Rural Lending Authority, Inc.
2123 Wrightsboro Road
Augusta, GA 30914
706-737-1823
*
Coastal
Area District Development Authority
1313 New Castle Street, 2nd Floor
Brunswick, GA 31520
912-261-2500
*
Development
Corporation of Middle Georgia
600 Grand Building
651 Mulberry Street
Macon, GA 31201
912-751-6160
*
Georgia
Mountains Regional Economic Development Corporation
1010 Ridge Road
Gainesville, GA 30501
404-536-3431
*
Middle
Flint Area Development Corporation
228 West Lamar
Americus, GA 31709
912-931-2909
*
South
Georgia Area Resource Development Agency, Inc.
327 West Savannah Avenue
Valdosta, GA 31601
912-333-5277
*
Fort
Valley State University Foundation
Rural Business Outreach Institute
10005 State University Drive
Fort Valley, GA 31030
912-825-6060
back to top
Hawaii
*Lokahi
Pacific
1935 Main Street, Suite 204
Wailuku, HI 96793
808-242-5761
Fax: 808-244-2057
*
Molokai
Ranch Foundation
55 Merchant Street, Suite 2000
Honolulu, HI 96813
808-531-0158
Fax: 808-531-2279
back to top
Idaho
*Panhandle
Area Council
Planning & Development Association
11100 Airport Drive
10624 W. Executive Drive
Hayden Lake, ID 83835
Boise, ID 83713
208-772-0584
208-322-7033
*
East
Central Idaho Planning and Development
Southeast Idaho Council of Governments
P.O. Box 330
310 N 2nd East
Rexburg, ID 83440
208-356-4524
*
Clearwater
Economic Development Association
1626 6th Avenue, North
Lewiston, ID 83501
208-746-0015
back to top
Illinois
*South
Central Illinois Regional Planning and Development Commission
120 Delmar Avenue, Suite A
Salem, IL 62881-2006
618-548-4234
*
City
of Olney
300 South Whittle Avenue
Olney, IL 62450
618-395-7302
*
City
of Flora
P.O. Box 249
151 North Sycamore Street
Flora, IL 62838
618-662-8313
*
Illinois
Development Finance Authority
150 Pleasant Hill Road
Box 46
Carbondale, IL 62901
618-453-5566
back to top
Indiana
*City
of Tell City
P.O. Box 515
City Hall Building
Tell City, IN 46586
812-547-5511
back to top
Iowa
*Dubuque
County
720 Central Avenue
Dubuque, IA 52001
319-589-4441
*
Albia
Industrial Development Corporation
6 South Main
Albia, IA 52531
515-932-7053
*
Upper
Explore Land Regional Planning Commission
134 West Green Street
P.O. Box 219
Postville, IA 52162
319-864-7551
*
Butler
County Rural Electric Cooperative
428 6th Street
Allison, IA 50602
319-267-2858
*
Cherokee
Area Economic Development Association
418 West Cedar Street
Cherokee, IA 51012-1340
712-225-5739
*
Humbolt
County Development Association
Courthouse Box 100
Dakota City, IA 50529-0100
515-332-5205
*
Newton
Development Corporation
113 First Avenue West
Newton, IA 50208
800-792-1737
*
Wright
County
P.O. Box 214
Clarion, IA 50525
515-532-6422
*
Sheldon
Community Development Corporation
P.O. Box 276
Sheldon, IA 51201
712-324-2813
back to top
Kansas
*South
Central Kansas Economic Development District (SCKEDD)
151 North Volutsia
Wichita, KS 67214
316-683-4422
*
Great
Plains Development Inc. (GPDI)
100 Military Plaza
Dodge City, KS 67801
316-227-6406
back to top
Kentucky
*Appalachian
Investment Corporation
431 Chestnut Street, Suite 7
Berea, KY 40403
606-986-2375
*
Buffalo
Trace Area Development District
327 West 2nd Street
P.O. Box 460
Maysville, KY 41056
606-564-6894
*
Barren
River Area Development District
177 Graham Avenue
P.O. Box 90005
Bowling Green, KY 42102-9005
502-781-2381
Fax: 502-842-0768
*
Harlan
Revitalization Association, Inc.
P.O. Box 1709
Harlan, KY 40831
606-573-7698
*
Kentucky
Highlands Investment Corporation
400 South Main Street
London, KY 47476
606-864-5175
*
Pennyrile
Area Development District
300 Hammond Drive
Hopkinsville, KY 42240
502-886-9484
Fax: 502-886-3211
*Purchase
Area Development District
1002 Medical Drive
P.O. Box 588
Maysfield, KY 4206
502-247-7171
Fax: 502-247-9000
back to top
Louisiana
*Evangeline
Economic & Planning District
P.O. Box 90070
Lafayette, LA 70509
318-233-3215
*
Coordinating
& Development Corporation
P.O. Box 37005
Shreveport, LA 71133-7005
318-632-2022
*
Dixie
Electric Membership Corporation
16262 Wax Road
Greenwell Springs, LA 70739
504-261-1221
*
Kisatchie-Delta
Regional Planning & Development
P.O. Box 12248
Alexandria, LA 71315-2248
318-487-5454
*
Macon
Ridge Economic Development Region
P.O. Drawer 746
Ferriday, LA 71334-0746
318-757-3033
*
Minden/South
Webster Chamber of Commerce
P.O. Box 819
Minden, LA 71058
318-377-4240
*
North
Delta Regional Planning & Development District
2115 Justice Street
Monroe, LA 71201
318-387-2572
*
Northeast
Louisiana Delta Community Development Center
P.O. Box 1149
Tallulah, LA 71282
318-574-0995
*
University
Community Development Corporation
7990 Scenic Highway
Baton Rouge, LA 70807
504-775-8146
back to top
Maine
*Northern
Maine Development Commission
P.O. Box 779
Caribou, ME 04736
207-427-8736
800-427-8736
Fax: 207-493-3108
*
Growth
Finance Corporation of Oxford Hills
166 Main Street
South Paris, ME 04281
207-743-8830
Fax: 207-743-5917
*
Androscoggin
Valley Council of Governments
125 Manley Road
Auburn, ME 04210
207-783-9186
Fax: 207-783-5211
*
Lewiston-Auburn
Economic Growth Council
P.O. Box 1188
Lewiston, ME 04243-1188
207-784-0161
Fax: 207-786-4412
*
Finance
Authority of Maine
P.O. Box 949
Augusta, ME 04333-0949
207-623-3263
Fax: 207-623-0095
*
Caribou
Development
60 Sweden Street
Caribou, ME 04736-2320
207-493-4233
800-477-1082
Fax: 207-492-1362
*
Eastern
Maine Development Corporation
P.O. Box 2579
Bangor, ME 04402-2579
207-942-6389
Fax: 207-942-3548
*
Kennebec
Valley Council of Governments
17 Main Street
Fairfield, ME 04937-1119
207-453-4258
Fax: 207-453-4264
*
Beddeford-Saco
Development Corporation
110 Main Street, Suite 1202
Saco, ME 04072
207-282-1748
Fax: 207-282-3149
*
Coastal
Enterprises, Inc.
P.O. Box 268
Wiscasset, ME 04578-0268
207-882-7552
Fax: 207-882-7308
*
Town
of Lisbon
P.O. Box 8
Lisbon, ME 04525
207-353-3007
back to top
Massachusetts
*Franklin
County Community Development Corporation
324 Wells Street
Greenfield, MA 01301
413-774-7404
*
Cape
& Islands Community Development, Inc.
480 Barnstable Road
Hyannis, MA 02601
back to top
Michigan
*Cornerstone
Alliance
38 West Wall Street
P.O. Box 428
Benton Harbor, MI 49203
616-925-6100
*
First
Rural Relending Co.
130 South Cedar Street
Manistique, MI 49854
906-753-2225
*
Fivecap,
Inc.
302 North Main Street
Scottville, MI 49454
616-757-3785
*
Great
Lakes Energy Cooperative
P.O. Box 70
Boyne City, MI 49712-0070
800-748-0121
616-582-6521
*
Marquette
County
417 A. Avenue
Gwinn, MI 498413
906-346-3137
*
Muskegon
Heights
City of EDC
3635 South Carr Road
Fruitport, MI 49415
616-788-3700
*
Northern
Initiatives Corporation
228 West Washington
Marquette, MI 49855
906-228-5571
*
Northern
MI Foundation
P.O. Box 1569
Acme, MI 49610
616-938-4409
800-652-4326
*
Rural
MI IRP Co.
121 East Front Street, Suite 201
Traverse City, MI 49783
616-941-5858
back to top
Minnesota
*Benton
County
531 Dewey Street
Foley, MN 56239
320-968-6254
Fax: 320-968-7626
*
Blooming
Prairie EDA
City Hall
P.O. Box 68
Blooming Prairie, MN 55911
507-583-7573
Fax: 507-583-4520
*
Caledonia
Economic Development Authority
231 East Main Street
P.O. Box 68
Caledonia, MN 55921
507-724-3632
*
Initiative
Foundation
700 SSE First Avenue
Little Falls, MN 56345
320-632-9255
Fax: 320-632-9258
*
Community
Development of Morrison City, Inc.
107 SE 2nd Street
P.O. Box 356
Little Falls, MN 56345
320-632-5466
*
City
of Crookston
124 North Broadway
Crookston, MN 56716
218-281-4503
Fax: 218-281-5609
*
Detroit
Lakes Development Authority
1025 Roosevelt Avenue
Detroit Lakes, MN 56501
218-847-5658
*
Development
Corporation of Austin (DCA)
1900 8th Avenue, NW
Austin, MN 55912
507-433-0345
*
East
Central Regional Development Commission
100 Park Street
Mora, MN 55051
320-679-4065
Fax: 320-679-4120
*
City
of East Grand Forks
P.O. Box 373
East Grand Forks, MN 56721
218-773-8939
*
City
of Fergus Falls
112 West Washington
P.O. Box 868
Fergus Falls, MN 56538-0868
218-739-2251
*
City
of Fosston
220 East First Street
Fosston, MN 56542
218-435-1377
Fax: 218-435-1961
*
Housing
& Redevelopment Authority In and For the City of Willmar
333 SW 6th Street
Willmar, MN 56201
320-235-8637
*
Lakefield
Economic Development Authority
City Hall
P.O. Box 900
Lakefield, MN 56150
507-662-5457
Fax: 507-662-5990
*
City
of McIntosh
115 Broadway NW
McIntosh, MN 56553
218-563-3043
Fax: 218-563-3042
*
Meeker
County Development Corporation
325 North Sibley Avenue
Litchfield, MN 55355
320-693-5272
Fax: 320-693-5444
*
Midwest
Minnesota Community Development Corporation
P.O. Box 623
Washington Square Mall
Detroit Lakes, MN 56501-0623
218-847-3191
Fax: 218-847-3192
*
Minnesota's
Community Development Corporation
P.O. Box 509
Park Rapids, MN 56570
218-732-3677
Fax: 218-732-8985
*
Northland
Foundation
610 Sellwood Building
202 West Superior Street
Duluth, MN 55802
218-723-4040
*
Northwest
Minnesota Foundation
4225 Technology Drive NW
Bemidji, MN 56601
218-759-5057
Fax: 218-759-2328
*
City
of Perham
125 Second Avenue NE
P.O. Box 130
Perham, MN 56573
218-346-9798
Fax: 218-346-9364
*
Prairieland
Economic Development Corporation
2401 Broadway Avenue, Suite 3
Slayton, MN 56172-1142
507-836-6656
Fax 507-836-8866
*
Red
Lake Falls Development Corporation
201 Second Street
P.O. Box 280
Red Lakes Falls, MN 56750
218-253-2143
*
Red
Wing Port Authority
433 West Third Street
Red Wing, MN 55066
612-388-4781
*
The
Initiative Fund
540 West Hills Circle
P.O. Box 570
Owatonna, MN 55060
507-455-3215
Fax: 507-455-2098
*
Southwest
Minnesota Foundation
P.O. Box 428
Hutchinson, MN 55355
320-587-4848
Fax: 320-587-3838
*
Stevens
County Economic Improvement Commission
507 Oregon Avenue
Morris, MN 56267
320-589-2609
Fax: 320-589-4814
*
West
Central Minnesota Initiative Fund
220 W. Washington Ave., Suite 205
Ferrous Falls, MN 56537
218-739-2239
Fax: 218-739-5381
*
Wheaton
Economic Development Authority
104 Ninth Street North
P.O. Box 868
Wheaton, MN 56296
320-563-4110
back to top
Mississippi
*Northeast
MS Planning & Development District
P.O. Box 600
Booneville, MS 38829
601-728-6248
*
South
Delta Planning & Development District
P.O. Box 1776
Greenville, MS 38702
601-378-3831
*
Southwest
MS Planning & Development District
110 South Wall Street
Natchez, MS 39120
601-446-6044
*
Three
Rivers Planning & Development District
75 South Main
P.O. Drawer B
Pontotoc, MS 38863
601-489-2415
back to top
Missouri
*Rural
Missouri, Inc.
1014 Northeast Drive
Jefferson City, MO 65109
573-635-0136
*
Green
Hills Rural Development, Inc.
900 Main Street
Trenton, MO 64683
660-359-5086
*
NW
Development Corporation
P.O. Box 565
Camron, MO 64429
816-632-2121
*
North
Central Missouri Rural Housing Development Corp.
P.O. Box 220
Mylan, MO 63556
660-265-4404
*
Knox
County Community Development Corporation
104 East Jackson Street
Edina, MO 63537-1335
816-397-2509
back to top
Montana
*Bear
Paw Development Corporation
P.O. Box 1549
Harve, MT 59501
406-265-9226
back to top
Nebraska
*Nebraska
Economic Development Corporation (NEDCO)
2631 "O" Street
Lincoln, NE 68510
402-475-2795
*
Southeast
Nebraska Development District (SENDD)
2631 "O" Street
Lincoln, NE 68510
402-475-2560
*
West
Central Nebraska Development District (WCNDD)
P.O. Box 599
Ogallala, NE 69153
308-284-6077
back to top
Nevada
*Rural
Nevada Development Corporation (RNDC)
740 Park Avenue
Ely, NV 89301
back to top
New Hampshire
*Belknap
County Economic Development Council
64 Court Street
Laconia, NH 03246
603-524-3057
back to top
New Jersey
*South
Jersey Economic Development District
18 N. East Avenue
Vineland, NJ 08360
856-794-8497
back to top
New Mexico
*New
Mexico Community Development Loan Fund
700 4th Street SW
Albuquerque, NM 87102
505-243-3196
505-243-8803
back to top
New York
*Adirondack
Economic Development Corporation
Trudeau Road
Saranac Lake, NY 12983
518-891-5523
Fax: 518-891-9820
*
COMCO
Development Corporation
572 S. Salina Street
Syracuse, NY 13202
315-470-1888
*
Lake
Champlain-Lake George Regional Development Corporation
Amherst Street
Lake George, NY 12845
518-668-5773
*
Herkimer
County Industrial Development Agency
P.O. Box 390
4301 North Washington St., Room 434
Herkimer, NY
315-867-1373
*
New
York Job Development Authority
605 3rd Avenue, 26th Floor
New York, NY 10158
518-474-7580
*
North
Country Alliance Local Development Corporation
317 Washington Street
Watertown, NY 13601
315-785-2593
*
REDEC
Relending Corporation
145 Village Square
Painted Post, NY 14807
604-962-3021
*
Rural
Opportunities, Inc.
400 East Avenue
Rochester, NY 14607
716-546-7180
*
Southern
Tier Enterprise Development Organization
465 Broad Street
Salamanca, NY 14779
716-945-5301
*
Tioga
County Local Development Corporation
County Building
56 Main Street
Owego, NY 13827
607-687-8255
*
Washington
County Local Development Corporation
Washington County Municipal Center
383 Broadway
Fort Edward, NY 12828
518-746-2292
back to top
North
Carolina
*Dunn
Area Committee of 100, Inc.
600 South Magnolia Avenue
Dunn, NC 28334
910-892-2884
*
Self
Help Ventures Fund
301 West Main Street
Durham, NC 27701
919-956-4400
back to top
North
Dakota
*Lake
Agassiz Regional Development Corporation
417 Main Avenue
Fargo, ND 58018
701-239-5373
*
Lewis
& Clark Regional Development Council
400 E. Broadway Ave., Suite 418
Bismarck, ND 58501
701-255-4591
*
Roosevelt
Custer Regional Council
Pulver Hall
Dickinson, ND 58601
701-277-1241
back to top
Ohio
*Ashtabula
County 503 Corporation
36 West Walnut Street
Jefferson, OH 44047
216-576-3759
*
Enterprise
Development Corporation
900 East State Street, Suite 101
Athens, OH 45701
614-592-1188
*
Mahoning
Valley Economic Development Corporation
4319 Belmont Avenue
Youngstown, OH 44505
330-759-3668
*
Portage
Area Development Corporation
231 West Main Street
Ravenn, OH 44266
330-297-6400
back to top
Oklahoma
*Central
Oklahoma Economic Development District
400 North Bell
P.O. Box 3398
Shawnee, OK 74802-3398
405-273-6410
*
Little
Dixie Community Action Agency, Inc.
502 West Duke Street
Hugo, OK 74743
580-326-3351
*
Logan
County Economic Development Council
P.O. Box 995
Guthrie, OK 73044
405-282-0060
*
Miami
Area Economic Development Service
2 North Main, Suite 601
Miami, OK 74354
918-542-7751
*
Ozarks
Corporation for Innovation Development, Inc.
P.O. Box 1335
Durant, OK 74702-1335
580-924-5094
*
People's
Electric Cooperative
1130 West Main Street
P.O. Box 429
Ada, OK 74820
580-332-3031
*
Rural
Enterprises, Inc.
P.O. Box 1335
Durant, OK 74702
580-924-5094
*South
Western Oklahoma Development Authority
P.O. Box 569
Fourth & Sooner Drive
Building 420
Burns Flat, OK 73624
580-562-4882
*
Cherokee
Hills RC&D
1007 South Muskogee Avenue
Tahlequah, OK 74464-4733
918-456-2304
*
Choctaw
Nation
Drawer 1210
16th and Locust
Durant, OK 74702-1210
580-924-8280
*
Adair
County Indian Credit Association
P.O. Box 602
Stilwell, OK 74960
918-696-3803
*
Cherokee
Nation
P.O. Box 948
Tahlequah, OK 74465-0948
918-456-0671 ext.: 2532
back to top
Oregon
*Valley
Development Initiatives
C/O Mid-Willamette Valley Council of Governments
105 High Street, SE
Salem, OR 97301
503-588-6177
*
Oregon
Cascades West Council of Governments
P.O. Box 686
Albany, OR 97321
541-967-8551
*
Morrow
Development Corporation
C/O Port of Morrow
P.O. Box 200
Boardman, OR 97818
541-481-7678
*
Curry
Economic Development Corporation
P.O. Box 848
Brookings, OR 97415
541-469-2218
*
Port
of Bandon Economic Development Fund
P.O. Box 1950
Bandon, OR 97411
541-347-9105
*
Central
Oregon Intergovernmental Council
2363 SW Glacier Place
Redmond, OR 97756
541-548-8163
*
CCD
Business Development Corporation
744 SE Rose Street
Roseburg, OR 97470
541-672-6728
*
Southern
Oregon Regional Economic Development, Inc.
332 West Sixth Street
Medford, OR 97501-2711
541-773-8946
*
Greater
Eastern Oregon Development Corporation
P.O. Box 1041
Pendleton, OR 97801
541-276-6745
*
Lane
Council of Governments
125 East 8th Avenue
Eugene, OR 97401
541-682-7450
*
Northeast
Oregon Business Development
101 NE First Street, Suite 100
Enterprise, OR 97828
541-426-3598
*
Columbia
Pacific Economic Development District of Oregon, Inc.
P.O. Box 598
St. Helens, OR 97051
503-397-2888
*
Mid-Columbia
Economic Development District
400 East Scenic Drive
Suite 2420
The Kalles, OR 97058
541-296-6182 ext. 3208
*
Ida-Ore
Planning & Development Association
10624 West Executive Drive
Boise, ID 83713
208-322-7033
*
Shorebank
Enterprise Group
P.O. Box 826
Ilwaco, WA 98624
360-642-4265
back to top
Pennsylvania
*Northwest
Pennsylvania Regional Planning & Development Commission
Biery Building
Suite 406
Franklin, PA 16323
814-437-3024
Fax: 814-432-3002
*
Northern
Tier Regional Planning Commission
507 Main Street
Towanda, PA 18848-9987
717-265-9103
Fax: 717-265-7585
*
SEDA-Council
of Governments
R.R. 1, Box 372
Lewisburg, PA 17837
570-524-4491
Fax: 570-524-9190
*
Washington
County Council on Economic Development
100 West Beau Street
Suite #703
Courthouse Square
Washington, PA 15301
724-228-6949
Fax: 724-250-6502
*
Southern
Alleghenies Planning and Development Commission
541 58th Street
Altoona, PA 16602-1193
814-949-6500
*
North
Central Pennsylvania Regional Planning and Development Commission
P.O. Box 488
Ridgway, PA 15853
814-772-6901
*
Economic
Development Council of North East Pennsylvania
1151 Oak Street
Pittston, PA 18640-3795
717-655-5581
*
Jefferson
County Development Council, Inc.
R.D. 5, Box 47
Brookville, PA 15825
814-849-3047
back to top
Rhode
Island
None
back to top
South
Carolina
*Carolina
Capital Investments Corporation
1201 Main Street, Suite 1750
Columbia, SC 29201
803-737-0101
*
Catawba
Regional Development Corporation
P.O. Box 450
215 Hampton Street
Rock Hill, SC 29731
803-327-9044
*
Lake
City Development Corporation
P.O. Box 1329
202 Kelley Street
Lake City, SC 29560
843-394-5421, ext. 276
*
Lower
Savannah Regional Development Corporation
P.O. Box 850
2748 Wagener Road
Aiken, SC 29802
803-649-7981
*
Santee-Lynches
Regional Development Corporation
P.O. Drawer 1837
36 West Liberty Street
Sumter, SC 29151
803-775-7381
*
Williamsburg
Enterprise Community Commission, Inc.
P.O. Box 428
Kingstree, SC 29556
843-354-9070
back to top
South
Dakota
*Beadle
and Spink Enterprise Community
P.O. Box 68
Yale, SD 57386
605-599-2991
Fax: 605-599-2992
*
First
District Development Company
124 First Avenue NW
P.O. Box 1207
Watertown, SD 57201
605-886-7224
Fax: 605-882-5049
*
Grant
County Development Corporation
707 South 5th Street
Milbank, SD 57252
605-432-6851
Fax: 605-432-6258
*
Greater
Huron Development Corporation
375 Dakota Avenue South
Huron, SD 57350
605-352-0363
Fax: 605-352-9327
*
Northeast
Council of Governments
P.O. Box 1985
Aberdeen, SD 57402-1985
605-626-2595
Fax: 605-626-2975
*
Northeast
South Dakota Economic Corporation
414 3rd Avenue East
Sisseton, SD 57262
605-698-7654
Fax: 605-698-3038
*
Rural
Electric Economic Development, Inc.
121 SE 1st Street
P.O. Drawer E
Madison, SD 57042
605-256-4536
Fax: 605-256-8058
*
South
Dakota Economic Development Finance Authority
Governor's Office of Economic Development
711 East Wells Avenue
Pierre, SD 57501-3369
605-773-5032
Fax: 605-773-3256
*
West
River Foundation
P.O. Box 218
2885 Dickson Avenue
Sturgis, SD 57785
605-347-5837
Fax: 605-347-5223
back to top
Tennessee
*Areawide
Development Corp.
5616 Kingston Pike
Knoxville, TN 37939-2806
423-588-7972
*
Caney
Fork Electric Cooperative, Inc.
920 Smithville Highway
P.O. Box 272
McMinnville, TN 37110
*
Cumberland
Area Investment Corporation
1225 South Willow Avenue
Cookeville, TN 38506-4194
931-432-4050
*
East
Tennessee Enterprise Partnership, Incorporated
P.O. Box 186
Carson Drive
Huntsville, TN 37756
423-663-2910
*
First
Tennessee Economic Development Corporation
207 N. Bone St., Suite 800
Johnson City, TN 37604-5699
423-928-0224
*
Mid-Cumberland
Area Development Corporation
501 Union Street, 6th Floor
Nashville, TN 37219-1705
615-862-8828
*
Northwest
Tennessee Certified Development Corporation
124 Weldon Drive
P.O. Box 963
Martin, TN 38237
901-587-4213
*
Seouachee
Valley Electric Cooperative
512 Cedar Avenue
South Pittsburg, TN 37380
423-837-8605
*
South
Central Tennessee Development District
815 South Main Street
Columbia, TN 38402-1346
615-381-2040
*
Southeast
Local Development Corporation
25 Cherokee Boulevard
Chattanooga, TN 37405
423-266-5781
*
Southwest
Tennessee Development District
27 Conrad Drive, Suite 150
Jackson, TN 38305
901-668-7112
back to top
Texas
*Brownwood
Industrial Foundation
P.O. Box 880
Brownwood, TX 76804
915-646-9535
back to top
Utah
*Utah
Technology Finance Corporation
177 East 100 South
Salt Lake City, UT 84111
801-741-4200
*
Deseret
Certified Development Company
7050 Union Park Center, Suite 570
Midvale, UT 84047
801-566-1163
or
Central Utah Office at Evergreen Square
907 South Orem Boulevard
Orem, UT
801-221-7772
back to top
Vermont
*Addison
County Economic Development Corporation
RD4, Box 1309 A
Middlebury, VT 05753
802-388-7953
*
Connecticut
River Valley
P.O. Box 246
White River Jct., VT 05001-0246
802-295-3710
*
Franklin
County Industrial
2 North Main Street
St. Albans, VT 05478-1099
802-524-2194
*
Lamoille
Economic Development Corporation
P.O. Box 455
Morrisville, VT 05661
802-888-5640
*
Northern
Community Investment Corporation
20 Main Street
P.O. Box 904
St. Johnsbury, VT 05819
802-748-5101
*
Northeastern
Vermont Development Association
44 Main Street
P.O. Box 640
St. Johnsbury, VT 05819
802-748-5181
*
Rutland
Economic Development Corporation
256 North Main Street
Rutland, VT 05701
802-773-9147
*
Vermont
503 Corporation
56 East State Street
Montpelier, VT 05602
802-828-5474
*
Vermont
Community Enterprise Fund Inc.
7 Court Street
P.O. Box 827
Montpelier, VT 05602
802-223-1448
*
Vermont
Small Business Development Corporation
56 East State Street
Montpelier, VT 05602
802-828-5466
back to top
Virginia
*Southeast
Rural Community Assistance Project Incorporated
P.O. Box 2868
Rolling Oak, VA 24001-2868
540-345-1184
*
Lake
County Development Corporation
P.O. Box 150
South Hill, VA 23970
804-447-7101
*
Mount
Rogers Planning District Commission
1021 Terrace Drive
Marion, VA 24354
540-783-5103
*
Hampton
University Rural Business Assistance Center
11916 Rolfe Highway
Furry, VA 23887
757-294-5176
*
Virginia
Eastern Shore Economic Development and Housing Corporation
P.O. Box 814
Nassawadox, VA 23413
back to top
Washington
*TRICO
Economic Development
347 West Second, Suite A
Colville, WA 99114
509-684-8411
509-684-4571
Fax: 509-684-4788
*
Okanogan
County Investment Association
P.O. Box 741
Okanogan, WA 98840
509-826-5107
*
Columbia
Regional Economic Development Trust
P.O. Box 217
Richland, WA 99352
509-943-9187
*
Lending
Network
P.O. Box 916
Chenghalis, WA 98532
360-748-0114
Fax: 360-748-1235
*
Cascadia
Revolving Fund
119 First Ave. South, Suite 1000
Seattle, WA 98104
206-447-9226
Fax: 206-682-4804
*
Private
Industry Council of Snohomish County (PIC)
728-134th Street SW
Building A, Suite 211
Everett, WA 98204
425-743-9669
425-353-2025
TDD: 425-743-9669
Fax: 425-742-1177
*
Evergreen
Community Development Association
900 Fourth Avenue, Suite 2900
Seattle, WA 98164
800-878-6613
*
Shorebank
Trading Group
P.O. Box 826
Ilwaco, WA 98624
back to top
West Virginia
*The
McDowell County Action Network
P.O. Box 158
Wilcoe, WV 24895
304-448-2118
*
Mid-Ohio
Valley Regional P&D Council
P.O. Box 247
Parkersburg, WV 26102
304-422-4993
*
Mountain
CAP of West Virginia, Inc.
26 North Kanawha Street
Buckhannon, WV 26102
304-472-1500
*
West
Virginia Economic & Development Authority
1018 Kanawha Blvd. East, Suite 501
Charleston, WV 25301-2827
304-558-3650
back to top
Wisconsin
*Northwest
Wisconsin Business Development Corporation
1400 S. River Street
Spooner WI 54801
715-635-2197
*
North
Central Wisconsin Development Corporation
407 Grant Street
Wausau, WI 54403
715-845-4208
*
Adams-Columbia
Electric Cooperative
401 E. Lake Street
P.O. Box 70
Friendship, WI 54934-0700
608-339-6945
*
Impact
Acceptance Corporation
651 Garfield Street
Almena, WI 54805
705-357-3334
back to top
Wyoming
*Frontier
Certified Development Company
232 East 2nd Street, Suite 300
Casper, WY 82601
307-234-5351
back to top
Small Towns
That Offer You Money To Start A Business
Cities can get grants that can be used to lend you money to start a small
business. The Entitlement Grants is the largest component of the Community
Development Block Grant Program and provides annual grants to entitled
cities (population 50,000) and counties (population 200,000) to develop
viable urban communities by providing decent housing and suitable living
environments, and by expanding economic opportunities, principally for
low and moderate income persons. The program provides funds to carry out
a wide range of community development activities directed toward neighborhood
revitalization, economic development, improved community facilities and
services, and microenterprise. Funds can be used to establish credit (direct
loans and loan guarantees, revolving loan funds, and more) for the stabilization
and expansion of microenterprise; provide technical assistance, advice,
and business support services to owners of microenterprises; and provide
general support to owners of microenterprises and organizations developing
microenterprises. To learn if your community received funds and the person
to contact in your area for more information, contact your local U.S.
Department of Housing and Urban Development Office listed in the blue
pages of your telephone book and ask for the office in charge of Community
Development Block Grants or contact: Information Office, Office of Community
Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898-7189,
800-998-9999, {www.hud.gov/whatwork.html}.
back to top
HUD Offices
New
England
• Boston Region
Mary Lou Crane, Secretary's Representative
HUD-Boston Office
10 Causeway Street, Room 375
Boston, MA 0222-1092
617-565-5236
Fax: 617-565-6558
• Burlington
Region
Temporarily Covered
HUD-Burlington Office
Room 244, Federal Building
11 Elmwood Avenue
P.O. Box 879
Burlington, VT 05402-0879
802-951-6290
Fax; 802-951-6298
• Manchester
Region
David B. Harrity
Senior Builder/Coordinator
HUD-Manchester Office
Norris Cotton Federal Building
275 Chestnut Street
Manchester, NH 03103-2487
603-666-7682
Fax: 603-666-7667
• Bangor
Region
Loren W. Cole
Senior Community Builder/Coordinator
HUD-Bangor Office
202 Harlow Street
Chase Building, Suite 101
P.O. Box 1384
Bangor, ME 04401-4925
207-945-04273
Fax: 207-945-0533
• Rhode
Island Region
Nancy D. Smith
Senior Community Builder/Coordinator
HUD-Providence Office
10 Weybosset Street, 6th Floor
Providence, RI 02903-2808
401-528-5352
Fax: 401-528-5312
• Hartford
Region
Raymond A. Jordan
Senior Community Builder/Coordinator
HUD-Hartford Office
One Corporate Center
Hartford, CT 06106-3220
860-240-4800, ext. 3100
Fax 860-240-4850
• New
York/New Jersey
New York Region
Bill deBlasio
Secretary's Representative
HUD-New York Office
26 Federal Plaza
New York, NY 10278-0068
212-264-1161
Fax: 212-264-3068
• Buffalo
Region
Office Temporarily Covered
Michele E. Bernier
Community Building
HUD-Buffalo Office
5th Floor, Lafayette Court
465 Main Street
Buffalo, NY 14203-1780
716-551-5733
Fax: 716-551-5752
• Camden
Region
Laura Pelzer, Senior Community Builder/Coordinator
HUD-Camden Office
800 Hudson Square, 2nd Floor
Camden, NJ 08102-1156
609-757-5081
Fax: 609-757-5373
• New
Jersey Region
Diane Johnson
Senior Community Builder/Coordinator
HUD-Newark Office
13th Floor, One Network Center
Newark, NJ 07102-5260
201-622-7900 ext. 3102
Fax: 201-645-2323
back to top
Midatlantic
Area
• Pennsylvania Region
Karen Miller, Secretary's Representative
HUD-Philadelphia Office
The Wanamaker Building
Pennsylvania Square, E
Philadelphia, PA 19107-3380
215-656-0606
Fax: 215-656-3445
• Charleston
Region
Fred Roncaglione, Senior Community Builder/Coordinator
HUD-Charleston Office
405 Capitol Street, Suite 708
Charleston, WV 25301-1795
304-347-7036 ext. 101
Fax: 304-347-7050
• Pittsburgh
Region
Richard M. Nemoytin
Senior Community Builder/Coordinator
HUD-Pittsburgh Office
339 6th Avenue, 6th Floor
Pittsburgh, PA 15222-2515
412-644-5945
Fax: 412-644-4240
• Richmond
Office
MaryAnn Wilson, Senior Community Builder/Coordinator
HUD-Richmond Office
The 3600 West Broad Street
Richmond, VA 23230-4920
804-278-4507 ext. 3208
Fax: 804-278-4603
• District
of Columbia Region
Lorraine Richardson, Community Builder
HUD-Washington, DC Office
820 1st Street, NE, Suite 300
Washington, DC 2002-4205
202-275-9206 ext. 3075
Fax: 202-275-9212
• Delaware
Region
Diane Lello, Senior Community Builder/Coordinator
HUD-Wilmington Office
824 Market Street, Suite 850
Wilmington, DE 19801-3016
302-573-6300
Fax: 302-573-6259
• Maryland
Region
Harold D. Young,
Senior Community Builder/Coordinator
HUD-Baltimore Office, 5th Floor
10 South Howard Street
Baltimore, MD 21201-2505
410-962-2520 ext. 3474
Fax: 410-962-1849
back to top
Southeast
Area
• Atlanta Region
Davey Gibson
Secretary's Representative
HUD-Atlanta Office
Richard B. Russell Federal Bldg.
75 Spring Street, SW
Atlanta, GA 30303-3388
404-331-5136
Fax: 404-730-2365
• Birmingham
Region
Heagar Hill, Senior Community Builder/Coordinator
HUD-Birmingham Office
Suite 300, Beacon Ridge Tower
Birmingham, AL 35209-3144
205-290-7630, ext. 1001
Fax: 205-290-7593
• Caribbean
Region
Michael A. Colon, Senior Community Builder/Coordinator
HUD-Caribbean Office
159 Carlos E. Chardon Avenue
San Juan, PR 00918-1804
787-766-5202
Fax: 787-766-5995
• Columbia
Region
Office Temporarily Covered
David Ball
Community Builder/Coordinator
HUD-Columbia Office
1835 Assembly Street
Columbia, SC 29201-24803
803-765-5592
Fax: 803-253-3043
• Coral
Gables Region
Jose Cintron, Senior Community Builder/Coordinator
HUD-Coral Gables Office
1320 South Dixie Highway
Coral Gables, FL 33146-2911
305-662-4510
Fax: 305-662-4588
• Greensboro
Region
James E. Balckmon
Senior Community Builder/Coordinator
2306 West Meadowview Road
Greensboro, NC 27407-3707
910-547-4001
Fax: 910-547-4120
• Jackson
Region
Patricia Hoban-Moore
Senior Community Builder/Coordinator
HUD-Jackson Office
100 W. Capitol St., Room 910
Jackson, MS 39269-1096
601-965-4738
Fax: 601-965-4773
• Jacksonville
Region
James Walker
Senior Community Builder/Coordinator
HUD-Jacksonville Office
301 West Bay Street, Suite 2200
Jacksonville, FL 32202-5121
904-232-2627
Fax: 904-232-3759
• Knoxville
Region
Mark Brezina, Senior Community Builder/Coordinator
HUD-Knoxville Office
710 Locust Street, SW
Knoxville, TN 37902-2526
423-545-4384
Fax: 423-545-4569
• Louisville
Region
John Milchik, Senior Community Builder/Coordinator
HUD-Louisville Office
601 West Broadway
P.O. Box 1044
Louisville, KY 40201-1044
502-585-6132
Fax: 502-582-6074
• Memphis
Region
Benjamin F. Davis
Senior Community Builder/Coordinator
HUD-Memphis Office
One Memphis Place
200 Jefferson Avenue, Suite 1200
Memphis, TN 38103-2335
901-544-3367
Fax: 901-544-3697
• Nashville
Region
Brenda Cleaver
Senior Community Builder/Coordinator
HUD-Nashville Office
251 Cumberland Bend Dr., Suite 200
Nashville, TN 37228-1803
615-736-5213
Fax: 615-648-6310
• Tampa
Region
George A. Milburn, Jr.
Senior Community Builder
HUD-Tampa Office
501 East Polk Street, Suite 700
Tampa, FL 33602-3945
813-228-2504
Fax: 813-228-2431
back to top
Midwest
Area
• Chicago Region
Rosanna A. Marquez
Secretary's Representative
HUD-Chicago Office
Ralph Metcalfe Federal Building
77 West Jackson Boulevard
Chicago, IL 60604-5680
312-353-5680
Fax: 312-886-2729
• Cincinnati
Region
Louistine Tuck
Senior Community Builder/Coordinator
HUD-Cincinnati Office
525 Vine Street
Cincinnati, OH 45202-3188
513-684-2967
Fax: 513-684-6224
• Cleveland
Region
Douglas W. Shelby
Senior Community Builder/Coordinator
HUD-Cleveland Office
1350 Euclid Avenue, 5th Floor
Cleveland, OH 44115-1815
216-522-4065
Fax: 216-522-4067
• Columbus
Region
Office Temporarily Covered
Jack Brown, Economist
HUD-Columbus Office
200 North High Street
Columbus, OH 43215-2499
614-469-2540
Fax: 614-469-2432
• Detroit
Region
Regina P. Solomon
Senior Community Builder/Coordinator
HUD-Detroit Office
477 Michigan Avenue
Detroit, MI 48226-2592
313-226-6241
Fax: 313-226-5611
• Grand
Rapids Region
Louis K. Berra
HUD-Grand Rapids Office
Trade Center Building
50 Louis Street, NW
Grand Rapids, MI 49503-2648
616-456-2103
Fax: 616-456-2191
• Flint
Region
Office Temporarily Covered by Detroit Senior Community Builder/Coordinator
HUD-Flint Office
605 N. Saginaw St., Room 200
Flint, MI 48502-1953
517-766-5107
Fax: 517-766-5122
• Indianapolis
Region
William K. Fattic
Senior Community Builder/Coordinator
HUD-Indianapolis Office
151 North Delaware Street
Indianapolis, IN 46204-2526
317-226-6322
Fax: 317-226-6317
• Wisconsin
State
Delbert Reynolds
Senior Community Builder/Coordinator
HUD-Milwaukee Office
Henry S. Reuss Federal Plaza
310 W. Wisconsin Ave., Room 1380
Milwaukee, WI 53203-2289
414-297-1495
Fax: 414-297-3947
• Minneapolis
Region
Thomas Feeney, Senior Community Builder/Coordinator
HUD-Minneapolis Office
220 Second Street, South
Minneapolis, MN 554012195
612-370-3289
Fax: 612-370-3220
• Springfield
Region
Debbie Willis
Senior Community Builder/Coordinator
HUD-Springfield Office
Temporarily Working out of Chicago Office
back to top
Southwest
• New Mexico State
Michael R. Griego, Acting State Coordinator
HUD-Albuquerque Office
625 Truman Street, NE
Albuquerque, NM 87110-6472
505-262-6463 ext. 223
Fax: 505-262-6463
• Dallas
Area
C. Don Babers
Senior Community Builder/Coordinator
HUD-Dallas Office
HUD-Room 860
525 Griffin Street
Dallas, TX 75202-5007
214-767-8300
Fax: 214-767-8973
• Arkansas
State Office
Richard L. Young
HUD-Little Rock Office
425 W. Capitol Ave., Suite 900
Little Rock, AR 72201-3488
501-324-5401
Fax: 501-324-5401
• Lubbock
Area Office
Miguel C. Rincon, JR
Senior Community Builder/Coordinator
HUD-Lubbock Office
1205 Texas Avenue
Lubbock, TX 79401-4093
806-472-7265 ext. 3030
Fax: 806-472-7275
• Texas
State
Elizabeth K. Julian
Secretary's Representative
HUD-Ft. Worth Office
1600 Throckmorton
P.O. Box 2905
Ft. Worth, TX 76113-2905
817-978-9000
Fax: 817-978-9001
• Louisiana
State Office
Jason Gamlin
Senior Community Builder/Coordinator
HUD-New Orleans Office
Hale Boggs Building
501 Magazine Street, 9th Floor
New Orleans, LA 70130-3099
504-589-7200
Fax: 504-589-6619
• Oklahoma
State Office
Margaret F. Milner
Senior Community Builder/Coordinator
HUD-Oklahoma City Office
500 West Main Street, Suite 400
Oklahoma City, OK 73102-2233
405-553-7500
Fax: 405-553-7588
• San
Antonio Area Office
A. Cynthia Leon
Senior Community Builder/Coordinator
HUD-San Antonio Office
800 Dolorosa Street
San Antonio, TX 78207-4563
210-475-6806
Fax: 210-472-6804
• Shreveport
Region
Martha Sakre
Senior Community Builder
401 Edwards Street, Room 1510
Shreveport, LA 71101-3289
318-676-3385
Fax: 318-676-3407
• Tulsa
Region
James Colgan
Senior Community Builder/Coordinator
HUD-Tulsa Office
50 East 15th Street
Tulsa, OK 74119-4030
918-581-7496
Fax: 918-581-7440
back to top
Great
Plains Area
• Missouri State
Michael Tramontina, Secretary's Representative
HUD-Kansas City Office
400 State Avenue, Room 200
Kansas City, KS 66106-2406
913-551-5462
Fax: 913-551-5469
• Iowa
State
William McNarney
Senior Community Builder/Coordinator
HUD-Des Moines Office
210 Walnut Street, Room 239
Des Moines, IA 50309-2155
515-284-4573
Fax: 515-284-4743
• St.
Louis Region
Kenneth G. Lange
Senior Community Builder/Coordinator
HUD-St. Louis Office
1222 Spruce Street, #3207
St. Louis, MO 63103-2836
314-539-6560
• Nebraska
State Office
Ernest Gratz
Senior Community Builder/Coordinator
HUD-Omaha Office
10909 Mill Valley Road
Omaha, NE 68514-3955
402-492-3103
Fax: 402-492-3150
back to top
Rocky
Mountain Area
• Colorado State Region
Joseph A. Garcia
HUD-Denver Office
633 17th Street, FITN
Denver, CO 80202-3607
303-672-5440
Fax: 303-672-5004
• Wyoming
State
William Garrett, Senior Community Builder/Coordinator
100 East B Street
P.O. Box 120
Casper, WY 82601
307-261-6254
Fax: 307-261-6245
• North
Dakota State Region
Office Temporarily Covered
Keith Elliot
HUD-Fargo Office
Federal Building
657 2nd Avenue, North
P.O. Box 2483
Fargo, ND 58102
701-239-5040
Fax: 701-239-5249
• Montana
State Region
Richard Brinck
Senior Community Builder/Coordinator
HUD-Helena Office
301 South Park, Room 464
Helena, MT 59626-0095
406-441-1298
Fax: 406-441-1292
• Utah
State Region
Office Temporarily Covered
HUD-Salt Lake City Office
257 East 200 South, Room 550
Salt Lake City, UT 84111-2048
801-524-3323
Fax: 801-524-3439
• South
Dakota State Region
Sheryl Miller
Senior Community Builder/Coordinator
2500 W. 49th St., Room-II-204
Sioux Falls, SD 57105
605-330-4226
Fax: 605-330-4428.
back to top
Pacific/Hawaii
• California State Region
Arthur Agnos, Secretary's Representative
HUD-San Francisco Office
450 Golden Gate Avenue
P.O. Box 36003
San Francisco, CA 94102-3448
415-436-6532
Fax: 415-436-6446
• Fresno
Region
Ann Marie Sudduth
Senior Community Builder/Coordinator
HUD-Fresno Office
2135 Fresno Street, Suite 100
Fresno, CA 93721-1718
209-487-5032
Fax: 209-487-5191
• Hawaii
State Region
Gordon Y. Furutani
Senior Community Builder
HUD-Honolulu Office
Seven Waterfront Plaza
500 Ala Moana Boulevard, #500
Honolulu, HI 96813-4918
808-522-8175, ext. 256 or 259
Fax: 808-522-8194
• Nevada
State Region
Ken Lobene
Senior Community Builder
HUD-Las Vegas Office
333 North Rancho Drive
Atrium Building, Suite 700
Las Vegas, NV 89106-3714
702-388-6525
Fax: 702-388-6244
• Arizona
State Region
Terry Goddard
Senior Community Builder/Coordinator
HUD-Phoenix Office
400 North 5th Street, Suite 1600
Phoenix, AZ 85004-2361
602-379-4434
Fax: 602-379-3985
• Reno
Region
Wayne Waite
Senior Community Builder/Coordinator
HUD-Reno Office
1575 DeLucchi Lane, Suite 114
P.O. Box 30050
Reno, NV 89502-6581
702-784-5356
Fax: 702-784-5360
• Sacramento
Region
William L. Bolton
Senior Community Builder/Coordinator
HUD-Sacramento Office
925 "L" Street, Suite 675
Sacramento, CA 95814-3702
916-498-5220 ext. 622
Fax: 916-498-5262
• San
Diego Region
Office Temporarily Covered
HUD-Santa Ana Office
3 Hutton Centre, Suite 500
Santa Ana, CA 98707-5764
714-957-7354
Fax: 714-957-1702
• Los
Angeles Region
Thomas Honore
Senior Community Builder/Coordinator
HUD-Los Angeles Office
611 West 6th, Suite 800
Los Angeles, CA 90017
213-894-8007
Fax: 213-894-8096
• Tucson
Region
Sharon Atwell
Senior Community Builder/Coordinator
HUD-Tucson Office
Security Pacific Bank Plaza
33 North Stone Avenue, Suite 700
Tucson, AZ 85701-1467
602-670-5220
Fax: 602-670-6207
• Northwest
Alaska Area
Washington State Region
Bob Santos
Secretary's Representative
HUD-Seattle Office
909 First Avenue, Suite 200
Seattle, WA 98104-1000
206-220-5101
Fax: 206-220-5108
• Alaska
State Region
Arlene Patton
Senior Community Builder/Coordinator
HUD-Anchorage Office
949 East 36th Avenue
Anchorage, AK 99508-4135
907-271-4170
Fax: 907-271-3667
• Idaho
State Region
Gary Gillespie, Senior Community Builder/Coordinator
HUD-Boise Office
Plaza IV, Suite 220
800 Park Boulevard
Boise, ID 83712-7743
208-334-1900, ext. 3007
Fax: 208-334-9648
• Oregon
State Region
Thomas C. Cusack
Senior Community
Builder/Coordinator
HUD-Portland Office
400 SW 6th Avenue #700
Portland, OR 97204-1632
503-326-2561
• Spokane
Region
Rafael Metzget
Senior Community Builder/Coordinator
HUD-Spokane Office
8th Floor East
West 601 1st Avenue
Spokane, WA 99204-0317
509-353-2510 ext. 3022
Fax: 509-353-2513
back to top
More
Money For Small Town Entrepreneurs
The Rural Business Enterprise Grant Program (RBEG) is administered by
the Rural Business-Cooperative Service (RBS), and provides grant funds
to a local or regional intermediary which, in turn, lends funds in a flexible
manner to local businesses. Funds are designed to facilitate the development
of small and emerging private business, industry, and related employment.
Money can be used for the acquisition and development of land, and the
construction of buildings, plants, equipment, access streets and roads,
parking areas, utility and service extensions, refinancing, fees, technical
assistance, startup operating cost, working capital, providing financial
assistance to a third party, production of television programs to provide
information to rural residents, and to create, expand, and operate rural
distance learning networks. Grant applications are available from any
USDA Rural Development State Office. For further information on these
programs, contact your local Rural Development Office. Look in the blue
pages of your telephone book under U.S. Department of Agriculture, contact
your state information operator (listed in the Appendix), or contact the
main office at Rural-Business-Cooperative Service, 1400 Independence Avenue,
SW, Room 5050, South Building, Washington, DC 20250, 202-720-1019, {www.rurdev.usda.gov/rbs/oa/oadir.htm}.
back to top
U.S. Department Of Agriculture
Rural Development State Offices
•
Alabama
USDA Rural Development, Horace Horn, 4121 Carmichael Road, Sterling Center,
Suite 601, Montgomery, AL 36106-3683, 334-279-3400, Fax: 334-279-3484
•
Alaska
USDA Rural Development, Dean R. Stewart, 800 West Evergreen, Suite 201,
Palmer, AK 99645, 907-745-2176, Fax: 907-745-5398
•
Arizona
USDA Rural Development, Leonard Gradillas, 3003 N. Central Ave., Suite
900, Phoenix, AZ 85012, 602-280-8745, Fax: 602-280-8730
•
Arkansas
USDA Rural Development, Shirley Tucker, Federal Building, Room 346, 700
Capitol Avenue, Little Rock, AR 72201, 501-324-6284, Fax: 501-324-6346
•
California
USDA Rural Development, Charles Clendenin, 430 G Street, Agency 4169,
Davis, CA 95616, 530-792-5800
•
Colorado
USDA Rural Development, Leroy W. Cruz, 655 Parfet Street, Room E100, Lakewood,
CO 80215, 303-236-2801, ext. 131, Fax: 303-236-2854
•
Delaware/Maryland
USDA Rural Development, James E. Waters, 5201 South DuPont Highway, P.O.
Box 400, Camden, DE 19934, 302-697-4324, TTY: 302-697-4303, Fax: 302-697-4388
•
Florida
USDA Rural Development, Joseph M. Mueller, 4440 NW 25th Place, Gainesville,
FL 32614-7010, 352-338-3482, Fax: 352-338-3450
•
Georgia
USDA Rural Development, Howard W. Franklin, Federal Building, Athens,
GA 30601, 706-546-2154, Fax: 706-546-2135
•
Hawaii
USDA Rural Development, Joe Diego, Room 311, Federal Building, 154 Waianuenue
Avenue, Hilo, HI 96720, 808-933-3019, Fax: 808-933-6901, TDD: 808-933-6902
•
Idaho
USDA Rural Development, Daryl G. Moser, 9173 West Barnes Street, Suite
A1, Boise, ID 83709, 208-378-5623, Fax: 208-378-5643
•
Illinois
USDA Rural Development, Gerald Townsend, Illini Plaza, Suite 103, 1817
South Neil Street, Champaign, IL 61820, 217-398-5412 ext. 243, Fax: 217-398-5337
•
Indiana
USDA Rural Development, Joseph Steele, 5975 Lakeside Boulevard, Indianapolis,
IN 46278, 317-290-3100, Fax: 317-290-3127
•
Iowa
USDA Rural Development, Randy Frescoln, 210 Walnut Street, Room 873, Des
Moines, IA 50309, 515-284-4663, Fax: 515-284-4821
•
Kansas
USDA Rural Development, Donnis Williams, 1200 SW Executive Drive, Box
4653, Topeka, KS 66604, 785-271-2732
•
Kentucky
USDA Rural Development, Vernon Brown, 771 Corporate Drive, Suite 200,
Lexington, KY 40503, 606-224-7336, Fax: 606-224-7344
•
Louisiana
USDA Rural Development, Judy Meche, 3727 Government Street, Alexandria,
LA 71302, 318-473-7920, TYY/TDD: 318-473-7655/7697, Fax: 318-473-7920
•
Maine
USDA Rural Development, Dean Churchill or Michael Rollins, 444 Stillwater
Avenue, Suite 2, P.O. Box 405, Bangor, ME 04402-0405, 207-990-9168
•
Massachusetts/Connecticut/Rhode Island
USDA Rural Development, Daniel R. Beaudette, 451 West Street, Amherst,
MA 01002-2999, 413-253-4340
•
Michigan
USDA Rural Development, Mae Locke, 3001 Coolidge Road, Suite 200, East
Lansing, MI 48823, 517-324-5100, TDD: 517-337-6906, Fax: 517-324-5225
•
Minnesota
USDA Rural Development, Agribank Building, 375 Jackson Street, St.Paul,
MN 55101, 651-602-7800, Fax: 651-602-7824
•
Mississippi
USDA Rural Development, Hershel F. Johnson, Suite 831, Federal Building,
100 West Capital SF, Jackson, MS 39269, 601-965-5460
•
Missouri
USDA Rural Development, Clark Thomas, 601 Business Loop 70 West, Park
Aid Center, Suite 225, Columbia, MO 65203, 573-876-0925
•
Montana
USDA Rural Development, John D. Guthmiller, P.O. Box 850, Bozeman, MT
59771, 406-585-2505, TDD: 406-585-0819, Fax: 406-585-2565
•
Nebraska
USDA Rural Development, Deborah D. Drbal, Room 152 Federal Building, 100
Centennial Mall North, Lincoln, NE 68508, 402-437-5558
•
Nevada
USDA Rural Development, Larry J. Smith, 1390 South Curry Street, Carson
City, NV 89703, 775-887-1222 ext. 25, Fax: 775-887-1287
•
New Hampshire
USDA Rural Development, Rob McCarthy, 10 Ferry St., Suite 218, Box 321,
Concord, NH 03301, 603-223-6037, 602-223-6041
•
New Jersey
USDA Rural Development, Michael P. Kelsey, 790 Woodlane Road, Mt. Holly,
NJ 08060, 609-265-3641, Fax: 609-265-3651, TDD: 609-265-3687
•
New Mexico
USDA Rural Development, Mike McDow, 700 4th Street SW, Albuquerque, NM
87102, 505-243-3196, 505-243-8803
•
New York
USDA Rural Development, Lowell Gibson, The Galleries of Syracuse, 441
South Salina Street, Suite 357, 5th Floor, Syracuse, NY 13202-2541, 315-477-6425,
Fax: 315-477-6448
•
North Carolina
USDA Rural Development, Dennis DeLong, 4405 Bland Road, Suite 260, Raleigh,
NC 27609, 919-873-2046
•
North Dakota
USDA Rural Development, 220 East Rosser Avenue, Bismarck, ND 58501, 701-250-4791
•
Ohio
USDA Rural Development, Jennifer Sonnenberg, 200 North High Street, Room
507, Columbus, OH 43215, 614-469-5400
•
Oklahoma
USDA Rural Development, Susan Estes, 100 USDA, Suite 108, Stillwater,
OK 74074, 405-742-1036, TTY/TDD: 405-742-1007, Fax: 405-742-1005
•
Oregon
USDA Rural Development, 101 SW Main, Suite 1410, Portland, OR 97204-3222,
503-414-3366, Fax: 503-414-3398
•
Pennsylvania
Eastern Pennsylvania, USDA Rural Development, R.D. #3 Box 27 F, Montrose,
PA 18801-9548, 570-278-3781 ext. 112
•
Western Pennsylvania
USDA Rural Development, P.O. Box 329, Meadowlands, PA 15347-0329, 724-222-3060
ext. 112
•
South Carolina
USDA Rural Development, Strom Thurmond Federal Building, 1835 Assembly
St., Room 1007, Columbia, SC 29201, 803-253-3651, Fax: 803-765-5910
•
South Dakota
USDA Rural Development, Robert R. Bothwell, 200 4th Street SW, Federal
Building, Room 210, Huron, SD 57350, 605-352-1142
•
Tennessee
USDA Rural Development, Lee Loveless, 3322 West End Ave., Suite 300, Nashville,
TN 37203, 615-783-1341, 800-342-3149, Fax: 615-783-1301
•
Texas
USDA Rural Development, Pat Liles, 101 S. Main, Suite 102,
Temple, TX 76501, 254-742-9780
•
Utah
USDA Rural Development, Bonnie Carrig, 125 State, Room 4431, P.O. Box
11350, Salt Lake City, UT 84147, 801-524-4330
•
Vermont
USDA Rural Development, David Robinson, 89 Main Street, 3rd Floor, City
Center, Montpelier, VT 05602, 802-828-6030
•
Virginia
USDA Rural Development, Culpeper Building, Suite 238, 1606 Santa Rosa
Road, Richmond, VA 23229-5014, 804-287-155
•
Washington
USDA Rural Development, Jackie Gleason, 1835 Black Lake Blvd. SW, Suite
B, Olympia, WA 98512, 360-704-7708, Fax: 360-704-7742
•
West Virginia
USDA Rural Development, 75 High Street, Morgantown, WV 26505, 304-291-4797
•
Wisconsin
USDA Rural Development, 4949 Krischling Court, Stevens Point, WI 54481,
715-345-7610
•
Wyoming
USDA Rural Development, P.O. Box 820, Casper, WY 82602-0820, 307-261-6319
back
to top
State
Money and Help For Your Business
Who Can Use State Money? All states require that funds be used solely
by state residents. But that shouldn't limit you to exploring possibilities
only in the state in which you currently reside. If you reside in Maine,
but Massachusetts agrees to give you $100,000 to start your own business,
it would be worth your while to consider moving to Massachusetts. Shop
around for the best deal.
Types Of State Money And Help Available: Each state has different
kinds and amounts of money and assistance programs available, but these
sources of financial and counseling help are constantly being changed.
What may not be available this year may very well be available next year.
Therefore, in the course of your exploration, you might want to check
in with the people who operate the business "hotlines" to discover
if anything new has been added to the states' offerings. Described below
are the major kinds of programs that are offered by most of the states.
Information
• Hotlines or One-Stop Shops are available in many states through
a toll-free number that hooks you up with someone who will either tell
you what you need to know or refer you to someone who can. These hotlines
are invaluable - offering information on everything from business permit
regulations to obscure financing programs. Most states also offer some
kind of booklet that tells you to how to start up a business in that state.
Ask for it. It will probably be free.
• Small Business Advocates operate in all fifty states and are part
of a national organization (the National Association of State Small Business
Advocates) devoted to helping small business people function efficiently
with their state governments. They are a good source for help in cutting
through bureaucratic red tape.
Funding Programs
• Free Money can come in the form of grants, and works the same
as free money from the federal government. You do not have to pay it back.
• Loans from state governments work in the same way as those from
the federal government - they are given directly to entrepreneurs. Loans
are usually at interest rates below the rates charged at commercial institutions
and are also set aside for those companies which have trouble getting
a loan elsewhere. This makes them an ideal source for riskier kinds of
ventures.
• Loan Guarantees are similar to those offered by the federal government.
For this program, the state government will go to the bank with you and
co-sign your loan. This, too, is ideal for high-risk ventures that normally
would not get a loan.
• Interest Subsidies On Loans is a unique concept not used by the
federal government. In this case, the state will subsidize the interest
rate you are charged by a bank. For example, if the bank gives you a loan
for $50,000 at 10 percent per year interest, your interest payments will
be $5,000 per year. With an interest subsidy you might have to pay only
$2,500 since the state will pay the other half. This is like getting the
loan at 5 percent instead of 10 percent.
• Industrial Revenue Bonds Or General Obligation Bonds are a type
of financing that can be used to purchase only fixed assets, such as a
factory or equipment. In the case of Industrial Revenue Bonds, the state
will raise money from the general public to buy your equipment. Because
the state acts as the middleman, the people who lend you the money do
not have to pay federal taxes on the interest they charge you. As a result,
you get the money cheaper because they get a tax break. If the state issues
General Obligation Bonds to buy your equipment, the arrangement will be
similar to that for an Industrial Revenue Bond except that the state promises
to repay the loan if you cannot.
• Matching Grants supplement and abet federal grant programs. These
kinds of grants could make an under-capitalized project go forward. Awards
usually hinge on the usefulness of the project to its surrounding locality.
• Loans To Agricultural Businesses are offered in states with large
rural farming populations. They are available solely to farmers and/or
agribusiness entrepreneurs.
• Loans To Exporters are available in some states as a kind of gap
financing to cover the expenses involved in fulfilling a contract.
• Energy Conservation Loans are made to small businesses to finance
the installation of energy-saving equipment or devices.
• Special Regional Loans are ear-marked for specific areas in a state
that may have been hard hit economically or suffer from under-development.
If you live in one of these regions, you may be eligible for special funds.
• High Tech Loans help fledgling companies develop or introduce new
products into the marketplace.
• Loans To Inventors help the entrepreneur develop or market new
products.
• Local Government Loans are used for start-up and expansion of businesses
within the designated locality.
• Childcare Facilities Loans help businesses establish on-site daycare
facilities.
• Loans To Women And/Or Minorities are available in almost every
state from funds specifically reserved for economically disadvantaged
groups.
Many federally funded programs are administered by state governments.
Among them are the following programs:
• The
SBA 7(A) Guaranteed and Direct Loan program can guarantee up to 90 percent
of a loan made through a private lender (up to $750,000), or make direct
loans of up to $150,000.
• The
SBA 504 establishes Certified Development Companies whose debentures are
guaranteed by the SBA. Equity participation of the borrower must be at
least 10 percent, private financing 60 percent and CDC participation at
a maximum of 40 percent, up to $750,000.
• Small
Business Innovative Research Grants (SBIR) award between $20,000 to $50,000
to entrepreneurs to support six months of research on a technical innovation.
They are then eligible for up to $500,000 to develop the innovation.
• Small
Business Investment Companies (SBIC) license, regulate and provide financial
assistance in the form of equity financing, long-term loans, and management
services.
• Community
Development Block Grants are available to cities and counties for the
commercial rehabilitation of existing buildings or structures used for
business, commercial, or industrial purposes. Grants of up to $500,000
can be made. Every $15,000 of grant funds invested must create at least
one full-time job, and at least 51 percent of the jobs created must be
for low and moderate income families.
• Farmers
Home Administration (FmHA) Emergency Disaster Loans are available in counties
where natural disaster has substantially affected farming, ranching or
aquaculture production.
• FmHA
Farm Loan Guarantees are made to family farmers and ranchers to enable
them to obtain funds from private lenders. Funds must be used for farm
ownership, improvements, and operating purposes.
• FmHA
Farm Operating Loans to meet operating expenses, finance recreational
and nonagricultural enterprises, to add to family income, and to pay for
mandated safety and pollution control changes are available at variable
interest rates. Limits are $200,000 for an insured farm operating loan
and $400,000 for a guaranteed loan.
• FmHA
Farm Ownership Loans can be used for a wide range of farm improvement
projects. Limits are $200,000 for an insured loan and $300,000 for a guaranteed
loan.
• FmHA
Soil And Water Loans must be used by individual farmers and ranchers to
develop, conserve, and properly use their land and water resources and
to help abate pollution. Interest rates are variable; each loan must be
secured by real estate.
• FmHA
Youth Project Loans enable young people to borrow for income-producing
projects sponsored by a school or 4H club.
Assistance Programs
• Management
Training is offered by many states in subjects ranging from bookkeeping
to energy conservation.
• Business
Consulting is offered on almost any subject. Small Business Development
Centers are the best source for this kind of assistance.
• Market Studies to help you sell your goods or services within or
outside the state are offered by many states. They all also have State
Data Centers which not only collect demographic and other information
about markets within the state, but also have access to federal data which
can pinpoint national markets. Many states also provide the services of
graduate business students at local universities to do the legwork and
analysis for you.
• Business
Site Selection is done by specialists in every state who will identify
the best place to locate a business.
• Licensing,
Regulation, And Permits information is available from most states through
"one-stop shop" centers by calling a toll-free number. There,
you'll get help in finding your way through the confusion of registering
a new business.
• Employee
Training Programs offer on-site training and continuing education opportunities.
• Research
And Development Assistance for entrepreneurs is a form of assistance that
is rapidly increasing as more and more states try to attract high technology-related
companies. Many states are even setting up clearing houses so that small
businesses can have one place to turn to find expertise throughout a statewide
university system.
• Procurement
Programs have been established in some states to help you sell products
to state, federal, and local governments.
• Export
Assistance is offered to identify overseas markets. Some states even have
overseas offices to drum up business prospects for you.
• Assistance
In Finding Funding is offered in every state, particularly through regional
Small Business Development Centers. They will not only identify funding
sources in the state and federal governments, but will also lead you through
the complicated application process.
• Special
Help For Minorities And Women is available in almost every state to help
boost the participation of women and minorities in small business ventures.
They offer special funding programs and, often, one-on-one counseling
to assure a start-up success.
• Venture
Capital Networking is achieved through computer databases that hook up
entrepreneurs and venture capitalists. This service is usually free of
charge. In fact, the demand for small business investment opportunities
is so great that some states require the investor to pay to be listed.
• Inventors
Associations have been established to encourage and assist inventors in
developing and patenting their products.
• Annual
Governors' Conferences give small business people the chance to air their
problems with representatives from state agencies and the legislature.
• Small
Business Development Centers (SBDCs), funded jointly by the federal and
state governments, are usually associated with the state university system.
SBDCs are a godsend to small business people. They will not only help
you figure out if your business project is feasible, but also help you
draw up a sensible business plan, apply for funding, and check in with
you frequently once your business is up and running to make sure it stays
that way.
• Tourism
programs are prominent in states whose revenues are heavily dependent
on the tourist trade. They are specifically aimed at businesses in the
tourist industries.
• Small
Business Institutes at local colleges use senior level business students
as consultants to help develop business plans or plan expansions.
• Technology
Assistance Centers help high tech companies and entrepreneurs establish
new businesses and plan business expansions.
• On-Site
Energy Audits are offered free of charge by many states to help control
energy costs and improve energy efficiency for small businesses. Some
states also conduct workshops to encourage energy conservation measures.
• Minority
Business Development Centers offer a wide range of services from initial
counseling on how to start a business to more complex issues of planning
and growth.
• Business
Information Centers (BICs) provide the latest in high-tech hardware, software,
and telecommunications to help small businesses get started. BIC is a
place where business owners and aspiring business owners can go to use
hardware/software, hard copy books, and publications to plan their business,
expand an existing business, or venture into new business areas. Also,
on-site counseling is available.
back to top
Examples
of Free Money From State Governments:
* Grants
To North Dakota Women
* $100,000 to $300,000 From Massachusetts Venture Capital
* $25,000 To Upgrade Employees Skills (RI)
* $5,000 To Learn A New Technology (RI)
* $2,250 For Every New Job You Create
* $500,000 In Venture Capital From NY
* $150,000 For Tech Companies in MD
* $50,000 For Delaware Inventors
* $25,000 For Florida Tech Companies
* $40,000 To Recycle Tires (IN)
* $5,000 To Sell Overseas (IN)
* $30,000 To Start A Small Town Business (WI)
* $4,000 To Get The Technical Assistance You Need (MN)
* $15,000 For Entrepreneurs With Disabilities (IA
* $5,000 To Help You Write A Grant (KS)
State
Economic Development Offices
Alabama
Alabama Development Office
401 Adams Avenue
Montgomery, AL 36104-4340
800-248-0033
334-242-0400
Fax: 334-242-0415
www.ado.state.al.us
back to top
Alaska
Alaska Department of Commerce and Economic Development
P.O. Box 110800
Juneau, AK 98111
907-465-2017
800-478-LOAN
Fax: 907-465-3767
www.commerce.state.ak.us
back to top
Arizona
Department of Commerce
3800 N. Central, Suite 1650
Phoenix, AZ 85012
602-280-1480
800-542-5684
Fax: 620-280-1339
www.commerce.state.az.us/fr_abc.shtml
back to top
Arkansas
Arkansas Economic Development Commission
1 State Capitol Mall
Little Rock, AR 72201
501-682-1121
Fax: 501-682-7341
www.aedc.state.ar.us
back to top
California
California Trade and Commerce Agency
801 K St., Suite 1700
Sacramento, CA 95814
916-322-1394
www.state.ca.us/s/business
back to top
Colorado
Office of Economic Development
1625 Broadway, Suite 1710
Denver, CO 80202
303-892-3840
Fax: 303-892-3848
TDD: 800-659-2656
www.state.co.us
back to top
Connecticut
Economic Resource Center
Connecticut Department of Economic and Community Development
805 Brooks St., Bldg. 4
Rocky Hill, CT 06067-3405
860-571-7136
800-392-2122
Fax: 860-571-7150
www.cerc.com
back to top
Delaware
Delaware Economic Development Office
John S. Riley
99 Kings Highway
P.O. Box 1401
Dover, DE 19903
302-739-4271
Fax: 302-739-5749
www.state.de.us/dedo/index.htm
back to top
District
of Columbia
Office of Economic Development
441 4th St., NW, Suite 1140
Washington, DC 20001
202-727-6365
www.dchomepage.net
back to top
Florida
Florida Economic Development Council
502 East Jefferson Street
Tallahassee, FL 32301
850-222-3000
Fax: 850-222-3019
back to top
Enterprise
Florida
390 N. Orange Ave., Suite 1300
Orlando, FL 32801
407-316-4600
Fax: 407-316-4599
www.floridabusiness.com
back to top
Georgia
Office of Economic Development
60 Executive Park South, NE, Suite 250
Atlanta, GA 30329-2231
404-679-4940
Fax: 800-736-1155
www.dca.state.ga.us
back to top
Hawaii
Department of Business, Economic Development and Tourism
P.O. Box 2359
Honolulu, HI 96804
No. 1 Capitol District Bldg.
250 S. Hotel Street
Honolulu, HI 96813
808-586-2593
Fax: 808-586-2589
www.hawaii.gov/dbedt/index.html
back to top
Idaho
Idaho Department of Commerce
700 West State Street
P.O. Box 83720
Boise, ID 83720-0093
208-334-2470
Fax: 208-334-2631
www.idoc.state.id.us/pages/businesspage.html
back to top
Illinois
Dept. of Commerce and Community Affairs
620 E. Adams
Springfield, IL 62602
217-782-7500
Fax: 217-524-3701
www.commerce.state.il.us
100 West
Randolph St., Suite 3-400
Chicago, IL 60601
312-814-7179
Fax: 312-814-2370
back to top
Indiana
Indiana Department of Commerce
One North Capitol, Suite 700
Indianapolis, IN 46204
317-232-8888
800-463-8081
317-233-5123 Fax
www.ai.org/bdev/index.html
back to top
Iowa
Department of Economic Development
200 East Grand Ave.
Des Moines, IA 50309-1827
515-242-4700
800-245-IOWA
Fax: 515-242-4809
TTY: 800-735-2942
www.state.ia.us/ided
back to top
Kansas
Department of Commerce and Housing
700 SW Harrison St., Suite 1300
Topeka, KS 66603-3712
785-296-5298
Fax: 785-296-3490
TTY: 785-296-3487
www.kansascommerce.com
back to top
Kentucky
Kentucky Cabinet for Economic Development
2300 Capital Plaza Tower
500 Mero Street
Frankfort, KY 40601
502-564-7670
800-626-2930
www.thinkkentucky.com
back to top
Louisiana
Department of Economic Development
P.O. Box 94185
Baton Rouge, LA 70804
225-342-6000
225-342-5388
www.lded.state.la.us
back to top
Maine
Office of Business Development
Department of Economic and Community Development
59 State House Station
Augusta, ME 04333
207-287-3153
Fax: 207-287-5701
TTY: 207-287-2656
www.econdevmaine.com
back to top
Maryland
Department of Business and Economic Development
217 East Redwood St.
Baltimore, MD 21202
410-767-6300
800-811-0051
Fax: 410-333-6792
TDD/TTY: 410-333-6926
www.mdbusiness.state.md.us
back to top
Massachusetts
Massachusetts Office of Business Development
10 Park Plaza, 3rd Floor
Boston, MA 02116
617-973-8600
800-5-CAPITAL
Fax: 617-973-8797
www.state.ma.us/mobd
back to top
Michigan
Michigan Jobs Commission
201 North Washington Square
Victor Office Center, 4th Floor
Lansing, MI 48913
517-373-9808
Fax: 517-335-0198
www.mjc.state.mi.us
back to top
Minnesota
Department of Trade and Economic Development (MTED)
500 Metro Square Blvd.
121 7th Place East
St. Paul, MN 55101-2146
651-297-1291
800-657-3858
www.dted.state.mn.us
back to top
Mississippi
Department of Economic and Community Development
P.O. Box 849
Jackson, MS 39205-0849
601-359-3040
800-340-3323
Fax: 601-359-4339
www.decd.state.ms.us
back to top
Missouri
Department of Economic Development (DED)
Truman Building, Room 720
P.O. Box 118
Jefferson City, MO 65102-0118
573-751-4962
800-523-1434
Fax: 573-526-2416
www.ecodev.state.mo.us
back to top
Montana
Department of Commerce
1424 Ninth Ave.
P.O. Box 200505
Helena, MT 59620-0505
406-444-3814
800-221-8015 (in MT)
Fax: 406-444-1872
http://commerce.state.mt.us
back to top
Nebraska
Department of Economic Development
P.O. Box 94666
301 Centennial Mall South
Lincoln, NE 68509
402-471-3111
800-426-6505 (in NE)
Fax: 402-471-3365
TDD: 402-471-3441
www.ded.state.ne.us
back to top
Nevada
State of Nevada Commission on Economic Development
5151 South Carson St.
Carson City, NV 89710
775-687-4325
800-336-1600
Fax: 775-687-4450
www.state.nv.us/businessop
555 E. Washington
Ave.
Suite 5400
Las Vegas, NV 89101
702-486-2700
Fax: 702-486-2701
back to top
New Hampshire
State of New Hampshire
Department of Resources and Economic Development
172 Pembroke Road
P.O. Box 1856
Concord, NH 03302-1856
603-271-2341
800-204-5000 (in NH)
Fax: 603-271-6784
www.ded.state.nh.us/obid
back to top
New Jersey
New Jersey Economic Development Authority
P.O. Box 990
Trenton, NJ 08625-0990
609-292-1800
www.njeda.com
back to top
New Mexico
Economic Development Dept.
Joseph M. Montoya Bldg.
1100 St. Francis Drive
Santa Fe, NM 87505-4147
505-827-0170
800-374-3061
Fax: 505-827-0407
www.edd.state.nm.us
back to top
New York
Empire State Development
One Commerce Plaza
Albany, NY 12245
518-474-7756
800-STATE-NY
www.empire.state.ny.us
633 Third
Ave.
New York, NY 10017
212-803-3100
back to top
North Carolina
Department of Commerce
Commerce Finance Center
301 N. Wilmington St.
P.O. Box 29571
Raleigh, NC 27626-0571
919-733-4977
Fax: 919-715-9265
www.commerce.state.nc.us/commerce
back to top
North Dakota
Department of Economic Development and Finance
1833 East Bismarck Expressway
Bismarck, ND 58504-6708
701-328-5300
Fax: 701-328-5320
TTY: 800-366-6888
www.growingnd.com
back to top
Ohio
Ohio Department of Development
P.O. Box 1001
Columbus, OH 43216-1001
614-466-5017
800-345-OHIO
Fax: 614-463-1540
www.odod.state.oh.us
back to top
Oklahoma
Department of Commerce
900 North Stiles
P.O. Box 26980
Oklahoma City, OK 73126-0980
405-815-6552
800-879-6552.
Fax: 405-815-5199
www.locateok.com
www.odoc.state.ok.us/index.html
back to top
Oregon
Economic Development Dept.
775 Summer St., NE
Salem, OR 97310
503-986-0260
Fax: 503-581-5115
www.econ.state.or.us/javahome.htm
back to top
Pennsylvania
Department of Community and Economic Development
433 Forum Building
Harrisburg, PA 17120
800-379-7448
www.dced.state.pa.us
Governor's
Action Team
100 Pine Street, Suite 100
Harrisburg, PA 17101
717-787-8199
Fax: 717-772-5419
www.teampa.com
back to top
Rhode Island
Economic Development Corporation
One West Exchange St.
Providence, RI 02903
401-222-2601
Fax: 401-222-2102
www.riedc.com
back to top
South Carolina
Department of Commerce
P.O. Box 927
Columbia, SC 29202
803-737-0400
877-751-1262
Fax: 803-737-0418
www.callsouthcarolina.com
back to top
South Dakota
Governor's Office of Economic Development
711 East Wells Ave.
Pierre, SD 57501-3369
605-773-5032
800-872-6190
Fax: 605-773-3256
www.state.sd.us/goed
back to top
Tennessee
Department of Economic and Community Development
Rachel Jackson Bldg., 8th Floor
320 Sixth Avenue North
Nashville, TN 37243-0405
615-741-1888
Fax: 615-741-7306
www.state.tn.us
back to top
Texas
Dept. of Economic Development
P.O. Box 12728
Austin, TX 78711
512-936-0260
800-888-0511
www.tded.state.tx.us
back to top
Utah
Business and Economic Development Division
324 South State St., Suite 500
Salt Lake City, UT 84111
801-538-8800
Fax: 801-538-8889
www.ce.ex.state.ut.us
back to top
Vermont
Department of Economic Development
National Life Building, Drawer 20
Montpelier, VT 05620-0501
802-828-3221
800-341-2211
Fax: 802-828-3258
www.thinkvermont.com
back to top
Virginia
Economic Development Partnership
P.O. Box 798
Richmond, VA 23206
804-371-8100
Fax: 804-371-8112
www2.yesvirginia.org/YesVA
back to top
Washington
Department of Community, Trade and Economic Development
906 Columbia St. SW
P.O. Box 48300
Olympia, WA 98504-8300
800-237-1233
access.wa.gov
back to top
West Virginia
WV Development Office
1900 Kanawha Blvd., East
Charleston, WV 25305-0311
304-558-2234
800-982-3386
Fax: 304-558-0449
www.wvdo.org
back to top
Wisconsin
Department of Commerce (COMMERCE)
201 W. Washington Avenue
Madison, WI 53707
Business Helpline:
800-HELP-BUSiness
Fax Request Hotline:
608-264-6154
Export Helpline:
800-XPORT-WIsconsin
www.commerce.state.wi.us
back to top
Wyoming
Department of Commerce
2301 Central Ave.
Cheyenne, WY 82002
307-777-6303
Fax: 307-777-6005
http://commerce.state.wy.us
back to top
Technology
Assistance
The Small Business Technology Transfer (STTR) Program is a highly competitive
program that reserves a specific percentage of federal research and development
funding for awarding to small business and nonprofit research institution
partners. Small business has long been where innovation and innovators
thrive, and nonprofit research laboratories are instrumental in developing
high-tech innovations. STTR combines the strengths of both entities by
introducing entrepreneurial skills to hi-tech research efforts. There
are specific requirements that must be met. To learn more about how to
apply and the various agencies involved, contact Office of Technology,
U.S. Small Business Administration, 409 Third St., SW, Washington, DC
20416; 202-205-6450; {www.sba.gov/SBIR/sbir.html}.
back to top
$50,000,000 To Start
An Airline
The Airline Deregulation Act gave airlines almost total freedom to determine
which markets to serve domestically and what fares to charge for that
service. The Essential Air Service Program was put into place to guarantee
that small communities that were served by certificated air carriers before
deregulation maintain a minimal level of scheduled air service. The Department
of Transportation currently subsidizes commuter airlines to serve approximately
100 rural communities across the country that otherwise would not receive
any scheduled air service. For more information, contact Office of Aviation
Analysis, Office of the Assistant Secretary, U.S. Department of Transportation,
400 7th St., SW, Washington, DC 20590; 202-366-1053; {http://ostpxweb.dot.gov/aviation}.
back to top
$700,000
If Hurt By Imports
The Economic Development Administration of the U.S. Department of Commerce
funds the Trade Adjustment Assistance Program. If your company is affected
by import competition, you may file a petition for certification of impact.
If your firm is certified, you may then apply for technical assistance
in diagnosing your problems, and assessing your opportunities. Once approved,
your firm can apply for technical assistance to implement the recovery
strategy. The average grant is for over $700,000. For more information,
contact Economic Development Administration, U.S. Department of Commerce,
14th and Constitution Ave., NW, Room 7804, Washington, DC 20230; 202-482-5081;
{www.doc.gov/eda}.
back to top
Money to Sell Overseas
The Foreign Market Development Cooperator Program is designed to develop,
maintain, and expand long-term export markets for U.S. agricultural products.
The program has fostered a trade promotion partnership between the U.S.
Department of Agriculture (USDA) and U.S. agricultural producers and processors
who are represented by nonprofit commodity or trade associations called
cooperators. The USDA and the cooperators pool their technical and financial
resources to conduct market development activities outside the United
States. Trade organizations compete for funds on the basis of the following
allocation criteria: past export performance, past demand expansion performance,
future demand expansion goals, and contribution levels. Projects include
market research, trade servicing and more. For
more information, contact the Foreign Agriculture Service, Marketing Operations
Staff, Stop Code 1042, U.S. Department of Agriculture, Washington, DC
20250; 202-720-4327; {www.fas.usda.gov}.
back to top
70,000
Businesses Get Uncle Sam's Venture Capital
The Small Business Investment Company (SBIC) programs are privately organized
and privately managed investment firms that are licensed by the Small
Business Administration. With their own capital and with funds borrowed
at favorable rates through the federal government, SBICs provide venture
capital to small independent businesses, both new and already established.
A major incentive for the SBICs to invest in small businesses is the chance
to share in the success of the small business if it grows and prospers.
Small businesses qualifying for assistance from the SBIC program are able
to receive equity capital, long-term loans, and expert management assistance.
For more information on SBICs or for a Directory of Small Business Investment
Companies, contact Investment Division, U.S. Small Business Administration,
409 Third St., SW, Washington, DC 20416; 202-205-6510; {www.sba.gov/INV}.
back to top
$200,000 For A Risky
Business
Not-yet-possible technologies are the domain of the National Institute
of Standards and Technology's Advanced Technology Program (ATP). The ATP
is a unique partnership between government and private industry to accelerate
the development of high-risk technologies that promise significant commercial
payoffs and widespread benefits for the economy. ATP projects focus on
the technology needs of the U.S. industry. The ATP does not fund product
development. It supports enabling technologies that are essential to the
development of new products, processes, and services across diverse application
areas. There are strict cost-sharing rules and peer-review competitions.
For
more information on how to apply for funding, contact Advanced Technology
Program, National Institute of Standards and Technology, A407 Administration
Building, Gaithersburg, MD 20899; 800-ATP-FUND (287-3863); {www.atp.nist.gov}.
back to top
Unconventional
Loan Programs To Start A Business When You Have No Money
The following is a description of loan programs available to low and moderate
income individuals, minorities, Native Americans, Hispanics, refugees,
unemployed individuals, welfare recipients, youths, and low and moderate
income individuals who don't qualify for credit through conventional methods.
Most of these programs allow individuals (depending on the situation)
to roll closing costs and fees into the amount of the loan. So you actually
go to the closing with NO money in your pocket. The aim of these programs
is to stimulate economic growth through small businesses or microenterprises.
Helping individuals become self-sufficient is the main focus, and also
to challenge conventional methods of providing credit. All of the programs
hope to demonstrate that persons with limited incomes are responsible,
will repay, and can become successful if given access to knowledge and
resources. Some programs are designed just for youths, (15-21 years old),
to develop their own businesses, avoid drugs and crime, sharpen academic
skills and form positive attitudes about themselves and their communities.
This is accomplished by utilizing the leadership, communication, management
and business skills they may have acquired through affiliation with the
illegal drug trade and other street activities. Loan amounts can range
from $50 to $2,000 with terms from six months to two years.The
following is a small sample of many success stories that we found:
• Susanna
Rodriquez started making ceramic figurines for children's parties. Susanna
is a former teacher's assistant who presently works in the kitchen of
her small apartment. Her creations fill every free corner. She was constantly
looking for ways to expand her business. One day she was in a store where
the owner sold similar products. As they were comparing notes, the owner
mentioned ACCION New York. After four loans as a result of working with
that organization, Susanna's monthly revenue from her ceramics business
has increased from $350 a month to $800 a month. In time, she hopes to
open her own store. She feels that if it were not for ACCION, she would
not be at the advanced stage of business that she is enjoying now.
• Jeff
Hess of Virginia had fished and hunted with his father since the age of
five. He earned his associates degree in business and was working in an
assembly plant for a moderate hourly wage, but wanted more. At the age
of 24, he didn't see opportunity coming to call on him because he had
no money and no credit. He and his wife, Cherylanna, enrolled in the BusinessStart
class at People, Inc. With this training, assistance in small business
planning, and a small loan, Jeff and Cherylanna were able to buy a bait
shop in Honaker and turn it into Bucks and Bass, a full service hunting
and fishing store. Located in prime hunting and fishing country, Bucks
and Bass has nearly doubled its sales in its first year alone. Both Jeff
and Cherylanna have left their jobs and run Bucks and Bass full time.
back to top
Loan Programs
Alabama
SBA Microloan Program, Birmingham Business Resource Center, 110 12th
Street North, Birmingham, AL 35203, 205-250-6380, Fax: 205-250-6384, Email:
bbrc@inlinenet.net
Arizona
Borrowers' Circle, Self-Employment Loan Fund, Inc., 201 N. Central
Ave., Suite CC10, Phoenix, AZ 85703, 602-340-8834, Fax: 602-340-8953,
TDD: 800-842-4681, Email: Self-Employment@Juno.com
Small
Business Loan, PEEP Microbusiness and Housing Development Corporation,
1100 East Hao Way, Suite 209, Tucson, AZ 85713, 520-806-9513, Fax: 520-806-9515
Arkansas
The Good Faith Fund (GFF) - Peer Group Loan Program, The Good Faith
Fund (GFF), 2304 W. 29th Ave., Pine Bluff, AR 71603, 870-535-6233, Fax:
870-535-0741
Micro
Loan, Good Faith Fund, 2304 West 29th Street, Pinebluff, AR 71603,
870-535-6233
California
Micro Enterprise Assistance Program of Orange County, 18011 Skypark
Circle, Suite E, Irvine, CA 92614, 949-252-1380
Self-Employment Loan Fund, Women's Economic Ventures of Santa Barbara,
1136 E. Montecito St., Santa Barbara, CA 93103, 805-965-6073, Fax: 805-962-9622
Self-Employment Microenterprise Development (SEMED), Economic and
Employment Development Center (EEDC), 241 S. Figueroa St.,Los Angeles,
CA 90012, 213-617-3953
The West Company, The West Enterprise Center, 367 N. State St.,
Suite 206, Ukiah, CA 95482,707-468-3553, Fax: 707-462-8945
Revolving Loan Fund, Tri-County Economic Development Corporation,
2540 Esplanade, Suite 7, Chico, CA 95973, 530-893-8732, Fax: 530-893-0820,
Email: tcedcloan@thegrid.net,
http://tricountyedc.org
City of Long Beach Microenterprise Loan, City of Long Beach Business
Assistance Division, 200 Pine Avenue, Suite 400, Long Beach, CA 90802,
562-570-3822, 562-570-3800, www.ci.long-beach.ca.us/bdc
Micro-Loan
Program, Oakland Business Development Corporation, 519 17th Street,
Suite 100, Oakland, CA 94612, 510-763-4297, Fax: 510-763-1273, Email:
mike@obdc.com, www.obdc.com
Entrepreneurial
Resource Center Loan, Entrepreneurial Resource Center, 2555 Clovis
Avenue, Clovis, CA 93612, 559-650-5050
Micro
Loan Fund, Start Up: An East Palo Alto Micro-Business Initiative,
1935 University Avenue, East Palo Alto, CA 94303, 650-321-2193
The
Los Angeles Community Development Bank Micro Loan Program, Community
Financial Resource Center, 4060 S. Figueroa Street, Los Angeles, CA 90037,
323-233-1900, Fax: 323-235-1686
Micro
Loan Revolving Loan Fund, Economic and Employment Development Corporation,
2411 Figueroa Street, Suite 240, Los Angeles, CA 90012, 213-617-3953
Micro
Loan Fund, Interfaith Service Bureau, 2117 Cottage Way, Sacramento,
CA 95828, 916-568-5020
Women's
Initiative Loan Fund, Women's Initiative For Self Employment, 450
Mission Street, Suite 402, San Francisco, CA 94105, 415-247-9473
Small
Business Micro-Lending Program, Lenders for Community Development,
111 West St. John St., Suite 710, San Jose, CA 95113, 408-297-9937, Fax:
408-297-4599
Peer
Lending Circles, West Company, 306 East Redwood Ave., Suite 2, Ft.
Bragg, CA 95437, 707-964-7571
Colorado
Business Center for Women (BCW), Mi Casa Resource Center for Women,
571 Galapago St., Denver, CO 80204, 303-573-1302, Fax: 303-595-0422
Project Success (PS), Mi Casa Resource Center for Women, 571 Galapago
St., Denver, CO 80204, 303-573-1302, Fax: 303-595-0422
Micro Loan, Credit for All, Inc., 2268 Birch Street, Denver, CO
80207, 303-320-1955
Micro Loan , Colorado Capital Initiatives, 1616 17th Street, Suite
371, Denver, CO 80202, 303-628-5464
Small Business Loan, Colorado Enterprise Fund, 1888 Sherman Street,
Suite 530, Denver, CO 80203, 303-860-0242, Email: microloans@coloradoenterprisefund.org,
www.coloradoenterprisefund.org
Community Enterprise Lending Initiative, Denver Small Business
Development Center, 1445 Market Street, Denver, CO 80203,303-620-8076,
Fax: 303-514-3200
El Valle Microloans, San Luis Valley Christian Community Services,
P.O. Box 984, 309 San Juan Avenue, Alamosa, CO 81101, 719-589-5192, Fax:
719-589-4330, Email: ccs@slvccs.org,
www.slv.org/ccs
Connecticut
Hartford Economic Development Corporation Loan Programs, Hartford
Economic Development Corporation, 15 Lewis St., Hartford, CT 06103, 860-527-1301,
Fax: 860-727-9224
Trickle
Up Grant, Action for Bridgeport Community Development, 955 Connecticut
Ave., Suite 1215, Bridgeport, CT 06607, 203-382-5440, Fax: 203-382-5442
Delaware
Capital Works Team Success Loans, First State Community Loan Fund
and YWCA of New Castle County, 100 West 10th Street, Suite 1005, Wilmington,
DE 19801, 302-652-6774, Fax: 302-656-1272, Email: fsclf@diamond.net.ude.edu
District
of Columbia
Youth Microloan Fund, The Entrepreneurial Development Institute, P.O.
Box 65882, Washington, DC 20035-5882, 202-882-8334
Micro Loan Fund, East of the River Community Development Corporation,
4800 Nannie Helen Burroughs, Washington, DC 20019, 202-397-0685
Florida
SBA Microenterprise Loan Fund, Community Equity Investments, Inc.
(CEII), 302 North Barcelona Street, Pensacola, FL 32501, 850-595-6234,
888-605-2505, Fax: 850-595-6234, Email: ceii2234@aol.com,
http://ceii.pensacola.com
Micro Loan, Florence Villa Community Development Corporation, 111
Avenue R NE, Winter Haven, FL 33881, 941-299-3263 Fax: 941-299-8134
Working Capital Program, 3000 Biscayne Blvd., Suite 101A, Miami,
FL 33137, 305-438-1407, Fax: 305-438-1411, www.workingcapital.org
Georgia
Working Capital Program, 52 W. Alton St., Atlanta, GA 30303, 404-688-6884,
Fax: 404-688-4009, www.workingcapital.org
Micro Loan Fund, Goodwill Industries of North Georgia, 2201 Glenwood
Avenue, Atlanta, GA 30316, 404-486-8400
Hawaii
Refugee Enterprise Development Project, Immigrant Center, 720 N.
King St., Honolulu, HI 96817, 808-845-3918, Fax: 808-842-1962
RED Manini MicroLoan Fund, The Immigrant Center, 720 North King
Street, Honolulu, HI 96817, 808-845-3918, Fax: 808-842-1962, Email: redmanini@hotmail.com
Idaho
JTPA Entrepreneurial Training, IDA-ORE Planning and Development Association,
10624 West Executive Dr., Boise, ID 83704, 208-322-7033, Fax: 208-322-3569
Small
Business Micro-Loan Program, Panhandle Area Council, Inc., 11100 Airport
Drive, Hayden, ID 83835, 208-772-0584
Illinois
Community Enterprising Project, Uptown Center Hull House Association,
4520 N. Beacon St., Chicago, IL 60640, 312-561-3500, Fax: 312-561-3507
Peoria Area Micro Business Development Program, The Economic Development
Council for The Peoria Area, Inc., 124 S. West Adams St., Suite 300, Peoria,
IL 61602, 309-676-7500, Fax: 309-676-7534
Self-Employment Loan Fund, Chicago Association of Neighborhood
Development Organizations, 123 W. Madison St., Suite 1100 ,Chicago, IL
60602-4589 312-372-2636, Fax: 312-372-2637
Self-Employment Training Program, Project NOW - Community Action
Committee, 418 19th St., P.O. Box 3970, Rock Island, IL 61201, 309-793-6388,
Fax: 309-793-6352
WBDC Micro-Loan Program, Women's Business Development Center, 8
S. Michigan Ave., Suite 400, Chicago, IL 60603, 312-853-3477, Fax: 312-853-0145
Women's Economic Venture Enterprise (WEVE), YWCA, 229 16th St.,
Rock Island, IL 61201, 309-788-9793, Fax: 309-788-9825
Women's Self-Employment Project (WSEP), 20 N. Clark St., Chicago,
IL 60602, 312-606-8255, Fax: 312-606-9215
Self-Employment Loan Fund, Chicago Association of Neighborhood
Development Organizations (CANDO), 123 West Madison, Suite 1100, Chicago,
IL 60602-4589, 312-939-7171
City
of Rockford Microenterprise Investment Match Program, City of Rockford,
Illinois Community Development Department, 425 East State Street, Rockford,
IL 61104, 815-987-5610, Fax: 815-967-6933, www.ci.rockford.il.us
Special
Initiative Funds, ACCION Chicago, 3245 West 26th Street, Chicago,
IL 60623, 773-376-9004
Micro
Loan Program for Small Businesses, West Cook Community Development,
1127 S. Mannheim Rd., Ste. 1021, Westchester, IL 60559, 708-450-0100,
Fax: 708-450-0655
Indiana
Eastside Community Fund, Eastside Community Investments (ECI), 26
N. Arsenal Ave., Indianapolis, IN 46220, 317-637-7300, Fax: 317-637-7581
Rural
Business Assistance Grant, City of Madison Micro Loan Program, P.O.
Box 765, Versailles, IN 47042, 812-689-5505
City
of Madison Micro Loan Program, SE Indiana Regional Planning Commission,
P.O. Box 765, Versailles, IN 47042, 812-689-5505
Iowa
SBA Microloan Demonstration Program, Siouxland Economic Development
Corporation, 428 Insurance Centre, Sioux City, IA 51102, 712-279-6286,
Fax: 712-279-6920
Small
Enterprise Development, Institute for Social and Economic Development,
1901 Broadway, Suite 313, Iowa City, IA 52240, 319-338-2331, Fax: 319-338-5824
SBA
Microloan Program, Siouxland Economic Development Corporation (SEDC),
P.O. Box 447 , Sioux City, IA 50102, 712-279-6286
Kansas
SBA Micro-Loan, South Central Kansas Economic Development District,
209 East William, Suite 300, Wichita, KS 67202-4012, 316-262-7033, www.sckedd.org
Kentucky
Bluegrass Microenterprise Program, Community Ventures Corporation,
1450 N. Broadway, Lexington, KY 40505, 606-231-0054
Community
Loan Fund
Human/Economic Appalachian Development Corp., P.O. Box 504, Berea, KY
40403, 606-986-8423 ,Fax: 606-986-1299
Micro-Enterprise
Loan Fund
Kentucky Highlands Investment Corporation, P.O. Box 1738, London, KY 40743,
606-864-5175
SBA
Micro Loan Program, Community Ventures Corporation ,1458 North Broadway,
Lexington, KY 40505, 606-231-0054, Fax: 606-231-0261
Louisiana
Micro Loan Fund, Catholic Social Services, 1220 Aycock Street,
Houma, LA 70360, 504-876-0490
Maine
Androscoggin Valley Council of Governments (AVCOG), 125 Manley
Rd., Auburn, ME 04210, 207-783-9186, Fax: 207-783-5211
Aroostook County Action Program, Inc. - Fleet Bank Set-Aside, P.O.
Box 1116, Presque Isle, ME 04769, 207-764-3721, Fax: 207-768-3040
Auburn Community Development Block Grant (CDBG) Microloan, Lewiston/Auburn
Economic Growth Council, P.O. Box 1188, 37 Park St., Lewiston, ME 04240,
207-784-0161, Fax: 207-786-4412
Enterprise Fund, Coastal Enterprises Inc. (CEI), P.O. Box 268,
Wiscasset, ME 04578, 207-882-7552
Entrepreneurs With Disabilities Loan Fund, Newmarket Tech, P.O.
Box 724, Augusta, ME 04330, 207-287-7370, Fax: 207-287-3038
Maine Centers for Women, Work and Community, 46 University Dr.,
Augusta, ME 04330, 207-621-3440, Fax: 207-621-3429
Working Capital Program, Western Mountains Alliance, P.O. Box 29,
Farmington, ME 04938, 207-778-7274, Fax: 207-778-7247
SBA Microloan Program, Eastern Maine Development Corporation, One
Cumberland Place, Suite 300, Bangor, ME 04401, 207-942-6389, 800-339-6389,
www.emdc.org
Microloan Fund, Biddeford-Saco Area Economic Development Corporation,
110 Main Street, Suite 1202, Saco, ME 04072, 207-282-1748, Fax: 207-282-3149,
Email: bsaedc@lamere.net, www.bsaedc.org
New
Ventures Loan Fund, Maine Centers for Women, Work, and Community,
Stoddart House UMA, 46 University Drive, Augusta, ME 043303-9410, 207-621-3440,
Fax: 207-621-3429, Email: wkrose@maine.edu
NMDC
Microloan Program, Northern Maine Development Commission, 302 Main
Street, P.O. Box 779, Caribou, ME 04736, 207-498-8736, 800-427-8736 (Maine
only), Fax: 207-493-3108
Commercial Lending Program, Perquis Community Action Program, P.O.
Box 1162, Bangor, ME 04402, 207-973-3500
Androscoggin Valley Micro Loan Program, Androscoggin Valley Council
of Governments, 125 Manley Road, Auburn, ME 04210
Aroostook County Action Micro Loan Program, Aroostook County Action
Program Inc., P.O. Box 1166, Presque Isle, ME 04769, 207-768-3033
Maryland
Business Owners Startup Services (BOSS), Council for Economic and
Business Opportunities, 800 N. Charles St., Suite 300, Baltimore, MD 21201,
410-576-2326, Fax: 410-576-2498, www.cebo.com/
Women Entrepreneurs of Baltimore, Inc. (WEB), 1118 Light St., Suite
202, Baltimore, MD 21230, 410-727-4921, Fax: 410-727-4989
Massachusetts
Hilltown Enterprise Fund, Hilltown Community Development Corporation,
432 Main Rd. #A, Chesterfield, MA 01012, 413-296-4536, Fax: 413-296-4020
Microenterprise Development Program, Brightwood Development Corp.,
2345 Main St., Springfield, MA 01107, 413-734-2144, Fax: 413-746-3934
Microenterprise Training and Loan Program for Refugees, Jewish
Vocational Service, 105 Chauncy St., 6th Floor, Boston, MA 02111, 617-451-8147,
Fax: 617-451-9973
New Bedford Working Capital Network, Community Economic Development
Center, 166 William St., New Bedford, MA 02740, 508-999-9920, Fax: 508-990-0199
Hampton City Employment and Training Consortium, Springfield Business
Development Fund (SBDF), 1176 Main St., Springfield, MA 01103, 413-781-6900
Hilltown Enterprise Fund, Hilltown Community Development Corporation,
P.O. Box 17, Chesterfield, MA 01012, 413-296-4536
Working Capital Program, Working Capital, 99 Bishop Allen Drive,
Cambridge, MA 02139, 617-576-8620, Fax: 617-576-8623, Email: infor@workingcapital.org,
www.workingcapital.org
Micro Loan, Twin Cities Community Development Corporation, 195
Kimball Street, Fitchburg, MA 01420, 978-342-9561
Small Business Loan Fund, Dorchester Bay Economic Development Corporation,
594 Columbia Road, Suite 302, Dorchester, MA 02125, 617-825-4200, Fax:
617-825-3522, Email: DBSBAP@aol.com
Cambodian American League Fund, Cambodian American League of Lowell,
Inc., 60 Middlesex Street, Lowell, MA 01852, 978-454-3707
Greater Springfield Entrepreneurial Fund, Hampden County Employment
and Training Consortium, 1176 Main Street, Springfield, MA 01103, 413-781-6900,
ext. 227
SEED Micro Loan Program, South Eastern Economic Development Corporation,
88 Broadway, Taunton, MA 02780, 508-822-1020
Michigan
Wise Program, Ann Arbor Community Development Corporation, 2008 Hogback
Rd., Suite 12, Ann Arbor, MI 48105, 313-677-1400, Fax: 313-677-1465
Lansing Community Micro-Enterprise Fund, 520 West Ionia, Lansing,
MI 48933, 517-485-4446, Fax: 517-485-4761
Project Invest, Northwest Michigan Council of Governments, 2194
Dendrinos Drive, P.O. Box 506, Traverse City, MI 49685-0506, 231-929-5000,
Fax: 231-929-5012, www.cog.mi.us
Minnesota
Arrowhead Microenterprise Program, Arrowhead Community Economic Assistance
Corporation, 702 Third Ave. S., Virginia, MN 55792-2775, 218-749-2914,
Fax: 218-749-2913
Business Development Services, Women Venture, 2324 University Ave.,
Suite 200, St. Paul, MN 55114, 651-646-3808, Fax: 651-641-7223
Emerging Entrepreneur Development Program, Northwest Minnesota
Initiative Fund, 4225 Technology Dr., Bemidji, MN 56601, 218-759-2057,
Fax: 218-759-2328
Northeast Entrepreneur Fund, Inc., 820 Ninth St., N., Suite 140,
Virginia, MN 55792, 218-749-4191, Fax: 218-741-4249
Revolving Loan Fund (RLF), North Star Community Development Corporation,
604 Board of Trade Building, 301 West First St., Duluth, MN 55802, 218-727-6690
Self-Employment Training Opportunities (SETO), Women Venture, 2324
University Ave., Suite 200, St. Paul, MN 55114, 651-646-3808, Fax: 651-641-7223
Child Care Provider Loan, Arrowhead Community Economic Assistance
Corporation, 8880 Main Street, P.O. Box 406, Mountain Iron, MN 55768-0406,
218-735-8201, Fax: 218-735-8202, Email:aceac@rangenet.com
Micro Enterprise Loan Program, Neighborhood Development Ctr., 651
1/2 University Avenue, St. Paul, MN 55104, 651-291-2480, Fax: 651-291-2597
Northeast Entrepreneur Fund, 820 Ninth Street North, Virginia,
MN 55792, 218-749-4191, Fax: 218-749-5213
Revolving Loan Fund, North Star Community Development Corporation,
301 West First Street, Suite 604, Duluth, MN 55802, 218-727-6690
Micro Loan, Phillips Community Development Corporation, 1014 East
Franklin, Suite #1, Minneapolis, MN 55404, 612-871-2435, Fax: 612-871-8131
Dayton Hudson Artists Loan Fund, Resources and Counseling for the
Arts, 308 Prince Street, Suite 270, St. Paul, MN 55101, 651-292-4381,
Fax: 651-292-4315, TTY: 651-292-3218, www.rc4arts.org
Micro Loan Program, Northwest Minnesota Foundation, 4225 Technology
Drive, NW, Bemidji, NM 56601, 218-759-2057, Fax: 218-759-2328, www.nwnf.org
SBA Loan, Women Venture, 2324 University Avenue, St. Paul, MN 55114,
651-646-3808
Mississippi
Small Farm Loan, Alcorn State University, Small Farm Development Center,
1000 ASU Drive #1080, Alcorn State, MS, 39096-7500, 601-877-6449, Fax:
601-877-3931
SELF Loan Fund, Economic Alternatives, P.O. Box 5208, Holly Springs,
MS 38634, 601-252-1575
Missouri
Microloan Program, First Step Fund, 1080 Washington, Suite 204, Kansas
City, MO 64105, 816-474-5111, Fax: 816-472-4207
SBA Microloan Program, Rural Missouri, Inc., 1014 Northeast Drive,
Jefferson City, MO 65109, 800-234-4971, Fax: 573-635-5636
Montana
Action for Eastern Montana - Microbusiness Loan, 2030 N. Merrill,
Glendive, MT 59330-1309, 406-377-3564
Montana Microbusiness Finance Program, Montana Department of Commerce,
1424 9th Ave., Helena, MT 59620, 406-444-3494, Fax: 406-444-2808
Montana Women's Economic Development Group (WEDGO), Women's Opportunity
and Resource Development, 127 N. Higgins, Missoula, MT 59802, 406-543-3550
Opportunities, Inc. - Microbusiness Finance Program Opportunities,
Inc., P.O. Box 2289, Great Falls, MT 59403, 406-761-0310
Microbusiness Loan, District 7 Human Resources Development Council,
P.O. Box 2016, Billings, MT 59103, 406-247-4710, Fax: 406-248-2943, Email:
dist7hrdc@imt.net, www.imt.net/~dist7hrdc
Nebraska
Rural Enterprise Assistance Project, Center for Rural Affairs, P.O.
Box 406, Walthill, NE 68067, 402-846-5428, Fax: 402-846-5420
Rural Business Enterprise Program, Central Nebraska Community Services,
Inc., 626 N Street, P.O. Box 509, Loup City, NE 68853, 308-745-0780, Fax:
308-745-0824, Email; cncsbd@micrord.com
Northeast Nebraska Microloan Fund, Northeast Nebraska Economic
Development District, 111 South 1st Street, Norfolk, NE 68701, 402-379-1150,
Fax: 402-378-9207, www.nenedd.org/mbu.htm
Small Enterprise Economic Development Loan (SEED), Mid-Nebraska
Community Services, Inc., 16 West 11th Street, P.O. 2288, Kearney, NE
68848, 308-865-5675
Lincoln Action Program Loan, Lincoln Action Program, 2202 South
11th, Lincoln, NE 68502, 402-471-4515
Micro Loan Program, New Community Development Corporation, 3147
Ames Avenue, Omaha, NE 68131, 402-451-2939
Rural Enterprise Assistance Project (REAP), Center for Rural Affairs,
101 Tallman, P.O. Box 406, Walthill, NE 68067, 402-846-5428, Fax: 402-846-5420
Micro Business Training and Development Project, Catholic Charities
- Juan Diego Center, 5211 South 31st Street, Omaha, NE 68107, 402-731-5413
Self Employment Loans Fund of Lincoln, Lincoln Partnership for
Economic Development, P.O. Box 83006, Lincoln, NE 68501-3006, 402-436-2350,
Fax: 402-436-2360, www.lped.com
Nevada
Nevada Microenteprise Initiative Microloan Funds, Nevada Microenterprise
Initiative, 116 East 7th Street, Suite 3, Carson City, NV 89701, 702-841-1420,
Fax: 702-841-2221
New
Hampshire
Working Capital-Microenterprise Peer Lending, New Hampshire Community
Loan Fund, 7 Wall St., Concord, NH 03301, 603-224-6669, Fax: 603-225-7254
Working Capital, New Hampshire Community Loan Fund, 7 Wall Street,
Concord, NH 03301, 603-224-6669, Fax: 603-225-7425
Citizens Bank Women Business Owners' Loan Fund, Women's Business
Center, 150 Greenleaf Avenue, Unit 8, Portsmouth, NH 03801, 603-430-2892
Working Capital, Women's Rural Entrepreneurial Network (WREN),
2013 Main Street, P.O. Box 331, Bethlehem, NH 03574, 603-869-9736, Fax:
603-869-9738, Email: WREN@connriver.net
New
Jersey
Micro Loan, Trenton Business Assistance Corporation (TBAC), 36
Broad Street, Trenton, NJ 08608, 609-396-8271, Fax: 609-396-8603, Email:
tbacsba@earthlink.net, www.trentonj.com/tbac.html
New
Mexico
Women's Economic Self-Sufficiency Team (WESST Corp.), 414 Silver
SW, Albuquerque, NM 87102-3239, 505-848-4760, Fax: 505-848-2368
Micro Loan Program, ACCION, #20 First Plaza NW, Suite 417, Albuquerque,
NM 87102, 505-243-8844
New
York
Adirondack Entrepreneurial Center, Adirondack Economic Development
Corporation, P.O. Box 747, Saranac Lake, NY 12983, 518-891-5523, Fax:
518-891-9820
Entrepreneurship Training Program, Worker Ownership Resource Center,
Inc., 400 E. Church St., Elmira, NY 14901, 607-737-5212, Fax: 607-734-6588
Micro-Enterprise Loan and Assistance Program, Church Avenue Merchants
Block Association, 885 Flatbush Ave., Suite 202, Brooklyn, NY 11211, 718-287-0010,
Fax: 718-287-2737
Minority and Women Business Development Center, Urban League of
Rochester, New York, Inc., 215 Tremont St., Door #4, Rochester, NY 14608,
212-803-2418
Neighborhood Micro-Loan Program, Ridgewood Local Development Corporation,
59-09 Myrtle Ave., Ridgewood, NY 11385, 718-366-3806, Fax: 718-381-7080
N.Y. State Department of Economic Development Entrepreneurial Assistance
Program, Albany-Colonie Regional Chamber of Commerce, 1 Computer Dr.
S., Albany, NY 12205, 518-458-9851, Fax: 518-458-1055
Queens County Overall Economic Development Corporation - NY State Department
of Economic Development Entrepreneurial Assistance Program, Queens
County Overall Economic Development Corp., 120-55 Queens Blvd., Suite
309, Kew Gardens, NY 11424, 718-263-0546, Fax: 718-263-0594
Regional Economic Development Assistance Corporation Mini Loan Program,
New York City Economic Development Corporation, 110 William St., New York,
NY 10038, 212-618-8900
Rural Ventures Fund, Rural Opportunities, Inc., 400 East Ave.,
Rochester, NY 14607, 716-340-3387, Fax: 716-340-3337
WORC Loan Fund, Worker Ownership Resource Center, One Franklin
Square, Exchange Street, Geneva, NY 14456
315-789-5061, Fax: 315-789-0261, www.atworc.org
Manhattan Loan Fund, Manhattan Borough Development Corporation,
15 Park Row, Suite 510, New York, NY 10038
212-791-3660, Fax: 212-571-0873
Micro Loan Program, Project Enterprise, 2303 7th Avenue, New York,
NY 10030, 212-690-2024
ACCORD Business Development Program, ACCORD Corporation, 50 West
Main Street, Friendship, NY 14739, 716-973-2322, Fax: 716-973-3014, Email:
RVC_Fedz@eznet.net
Micro Loan Program, ACCION New York, 235 Havemeyer Street, Brooklyn,
NY 11211, 718-599-5170, Email: accionnewyork@compuserve.com,
www.accion.org
Appleseed Trust, MicroCredit Group of Central New York, 222 Herald
Place, 2nd Floor, Syracuse, NY 13202, 315-424-9485, Fax: 315-424-7056
Trickle Up Program, Trickle Up, 121 West 27th St., Suite 504, New
York, NY 10001, 212-362-7958
North
Carolina
Child Care Providers, Self-Help, 301 W. Main St., Durham, NC 27701,
800-476-7428, 919-956-4400, Fax: 919-956-4600, www.self-help.org
Good Work, 115 Market St. #211, Durham, NC 27702, 919-682-8473,
Fax: 919-687-7033
Microbusiness Development, WAMY Community Action, Inc., P.O. Box
2688, Boone, NC 28607, 828-264-2421, Fax: 828-264-0952
Mountain Microenterprise Fund, 29 1/2 Page Ave., Asheville, NC
28801, 828-253-2834, Fax: 828-255-7953
North Carolina Microenterprise Loan Program (NCMLP), NC Rural Economic
Development Center, Inc., 4021 Carya Dr., Raleigh, NC 27610, 919-250-4314,
Fax: 919-250-4325
Northeastern Community Development Corporation, 154 Highway 158
East, Camden, NC 27921, 252-338-5466, Fax: 252-338-5639
West Greenville CDC Micro Loan Program, West Greenville Community
Development Corporation, 706 West 5th St., P.O. Box 1605, Greenville,
NC 27835-1605, 252-752-9277
Micro Loan, Mountain Microenterprise Fund (MMF), 29 1/2 Page Avenue,
Asheville, NC 28801, 888-389-3089, www.mtnmicro.org
Micro Loan, Good Work, Inc., P.O. 25250, Durham, NC 27702, 919-682-8473
Microenterprise Loan Program, NC Rural Economic Development Center,
4021 Carya Drive, Raleigh, NC 27610, 919-250-4314
East Carolina Microenterprise Loan Program, 315 Turner Street,
Beaufort, NC 28516, 252-504-2424, Fax: 252-504-2248
Ohio
Microenterprise Program, Lima-Allen Council for Community Affairs,
405 East Market St., Lima, OH 45801, 419-227-2586, Fax: 419-227-7626
CAC Microenterprise Training Program, Community Action Committee
(CAC) of Pike County, 941 Market St., P.O. Box 799, Piketon, OH 45661,
740-289-2371, Fax: 740-289-4291
City of Cleveland Microloan Program, City of Cleveland Department
of Economic Development, 601 Lakeside Ave., Room 210, Cleveland, OH 44114,
216-664-2406, Fax: 216-664-3681
Columbus/Franklin County Microloan Program, Columbus Countywide
Development Corp., 941 Chatham Lane, Suite 207, Columbus, OH 43221, 614-645-6171,
Fax: 614-645-8588
Food Ventures Project and Product Development Fund, ACEnet, 94
N. Columbus Rd., Athens, OH 44701, 740-592-3854, Fax: 740-593-5451
HHWP Community Action Commission, Microenterprise Development Program,
HHWP Community Action Commission, 122 Jefferson St., P.O. Box 179, Findlay,
OH 45839, 419-423-3755, Fax: 419-423-4115
Neighborhood Economic Development Loan Program (NEDL), Office of
Economic Development, City of Toledo, One Government Center, Suite 1850,
Toledo, OH 43604, 419-245-1426, Fax: 419-245-1462
Women Entrepreneurs, Inc., P.O. Box 2662, C-OH45201, 36 East 4th
St., Suite 92, Cincinnati, OH 45201, 513-684-0700, Fax: 513-684-0779
Micro Loan Fund, Neighborhood House, Inc, 1000 Atchenson Street,
Columbus, OH 43203, 614-252-4544, Fax: 614-252-7919, Email: lboykin@beol.net
Appalachian Microloan Program, Enterprise Development Corporation,
9080 Hocking Hills Drive, The Plains, OH 45780, 740-797-9646, 800-822-6096,
Fax: 740-797-9659
Child Care Loan, Lima/Allen Council on Community Affairs (LACCA),
540 South Central, Lima, OH 45804, 419-227-2586, Fax: 419-227-7626
MicroLoan Program, Hamilton County Development Company, Inc., 1776
Mentor Avenue, Cincinnati, OH 45212, 513-631-8292, Email: lawalden@hcdc.com
MicroLoan, Columbus Countywide Development Corporation, 941 Chatham
Lane, Suite 300, Columbus, OH 43221-2416, 614-645-6171, Fax: 614-645-85883,
Email: ccdc@earthlink.net
Pike County Microloan, CAC of Pike County, Inc., 941 Market Street,
Piketon, OH 45661, 740-289-2371
Oregon
SBA Microloan Program, Cascades West Financial Services, Inc., 1400
Queen Avenue SE, P.O. Box 686, Albany, OR 97321, 541-924-8480, Fax: 541-967-4651,
Email: dsearle@cwcog.cog.or.us
Microenterprise Loan, O.U.R. Federal Credit Union, P.O. Box 11922,
Eugene, OR 97440, 541-485-1190
Micro Loan, Southern Oregon Women's Access to Credit, 33 North
Central, Suite 209, Medford, OR 97501, 541-779-3992
Child Care Neighborhood Network Loan Fund, Rose Community Development
Corporation, 7211 NE 62nd Avenue, Portland, OR 97206, 503-788-0826
Pennsylvania
Ben Franklin Enterprise Growth Fund, Ben Franklin Technology Center
of Southeastern Pennsylvania, 1110 Penn Center, 1835 Market St., Suite
1100, Philadelphia, PA 19103, 215-972-0877, Fax: 215-972-5588
Local Enterprise Assistance Program (LEAP), Bloomsburg University
College of Business, 243 Sutliff Hall, Bloomsburg, PA 17815, 570-389-4591,
Fax: 570-389-3892
Micro-Enterprise Development, Lutheran Children and Family Service,
45 Garrett Rd., Upper Darby, PA 19082, 610-734-3363, Fax: 610-734-3389
Service for Self-Employment Training and Support (ASSETS), Mennonite
Economic Development Associates, 447 S. Prince St., Lancaster, PA 17603,
717-393-6089
Micro Loan, ASSETS, 447 South Prince Street, Lancaster, PA 17603,
717-393-6089, Fax: 717-290-7936
Micro Loan, Community Action Development Corporation of the Lehigh
Valley, 605 Turner Street, Allentown, PA 18102, 610-433-5703
Community Capital Works, Philadelphia Development Partnership,
1334 Walnut Street, Philadelphia, PA 19107, 215-545-3100
Women's Opportunities Resource Program, Women's Opportunities Resource,
1930 Chestnut Street, Suite 1600, Philadelphia, PA 19103, 215-564-5500
Enterprise Growth Fund, Ben Franklin Technology Center of Southeastern
Pennsylvania, 11 Penn Center, 1835 Market St., Suite 1100, Philadelphia,
PA 19103, 215-972-6700, Fax: 215-972-5588
South
Dakota
Revolving Loan Fund Program, Northeast South Dakota Economic Corporation,
414 Third Ave. East, Sisseton, SD 57262, 605-698-7654, Fax: 605-698-3038
Tennessee
Community Microloan Program, Knoxville's Community Development Corporation,
Economic Ventures, Inc., P.O. Box 3550, Knoxville, TN 37927-3550, 423-594-8762,
Fax: 423-594-8659
Micro Loan Program, Firestone Retirees CDC, 659 N. Manassas St.,
Room 106-107, Memphis, TN 38107, P.O. Box 80073, Memphis, TN 38108, 901-454-9524
Texas
Micro Loan, ACCION El Paso, 7744 North Loop Road, Suite A, El Paso,
TX 79915, 915-779-3727
Tyler Development Fund, Tyler Economic Development Council, Inc.,
P.O. Box 2004, Tyler, TX 75710, 903-593-2004, Fax: 903-597-0699
MicroLoan Program, Corp. for Economic Development of Harris County,
Inc., 2223 West Loop South, Suite 400, Houston, TX 77027, 713-840-8804,
Fax: 713-840-8806
MicroLoan Program, Corporation for Economic Development of Harris
County, Inc., 2223 West Loop South, Suite 400, Houston, TX 77027, 713-840-8804,
Fax: 713-840-8806
Utah
Utah Microenterprise Loan Fund, 3595 South Main Street, Salt Lake
City, UT 84115, 801-269-8408
Vermont
Burlington Revolving Loan Fund, Community and Economic Development
Office, Room 32, City Hall, Burlington, VT 05461, 802-865-7144, Fax: 802-865-7024
Micro-Business Development Program, Central Vermont Community Action
Council, Inc., 195 US Route 302/Berlin, Barre, VT 05641, 802-479-1053,
Fax: 802-479-5353
Virginia
Eagle Staff Fund - Seed Grants, First Nations Development Institute,
The Stores Building, 11917 Main St., Fredericksburg, VA 22408, 540-371-5615
Northern Virginia Microenterprise Loan - SBA, Ethiopian Community
Development Council, Inc., 1038 S. Highland St., Arlington, VA 22206,
703-685-0510
Refugee Microenterprise Loan - ORR, Ethiopian Community Development
Council, Inc., 1038 S. Highland St., Arlington, VA 22204, 703-685-0510
Microloan Fund, Small Business Development Center, Inc., 147 Mill
Ridge Rd., Lynchburg, VA 24502, 804-582-6170
Business Loan Program, South Fairfax Regional Business Partnership,
Inc., 6911 Richmond Highway, Alexandria, VA 22306, 703-768-1440, Fax:
703-768-0547
Micro
Loan, VA Eastern Shore Economic Empowerment and Housing Corp., P.O.
Box 814, Nassawadox, VA 23413, 757-442-4509, Fax: 757-442-7530,
New Enterprises Loan Fund, New Enterprises Fund, 930 Cambria Street,
Christiansburg, VA 24073, 540-382-2002
Northern Neck Enterprise Program, Northern Neck Planning District
Commission, 153 Yankee Point Road, Lancaster, VA 22503, 804-333-1900,
www.nnpdc17.state.va.us
MicroLoan Program, Virginia Economic Development Corporation, P.O.
Box 1505, Charlottesville, VA 22902-1505, 804-979-0114, Fax: 804-979-1597,
Email: microloan.tjpd@state.va.us,
www.avenue.org/Gov/TJPDC
Washington
African American Community Endowment Fund, Black Dollar Days Task
Force, 116-21st Ave., Seattle, WA 98122, 206-323-0534
Cascadia Revolving Fund, 119 1st Ave. S., Suite 100, Seattle, WA
98104, 206-447-9226, Fax: 206-682-4804
DownHome Washington Microloan Program, Snohomish County Private
Industry Council, 728 134th Street SW, Bldg. A, Suite 211, Everett, WA
98204, 425-743-9669, 425-353-2025, Fax: 425-742-1177, Email: snopic@gte.net
CASH Loan Program, Washington CASH- Community Alliance for Self-Help,
410 Boston Street, Seattle, WA 98109, 206-352-1945, Fax: 206-352-1899,
Email: washcash@nwlink.com, www.washingtoncash.org
Micro Loan Program, Tri-Cities Enterprise Association, 2000 Logston
Boulevard, Richland, WA 99052, 509-375-3268, www.owt.com/tea
SNAP
Program, Spokane Neighborhood Action Programs, 212 South Wall, Spokane,
WA 99201, 509-456-7174, Email: lancaster@snapwa.org
Northwest
Business Development Association, 9 South Washington, Suite 215, Spokane,
WA 99201, 509-458-8555
West
Virginia
Monroe Neighborhood Enterprise Center, Monroe County Community
Services Council, P.O. Box 403, Union, WV 24883, 304-772-3381, Fax: 304-772-4014
Lighthouse MicroLoan, Lightstone CDC, H 363 Box 73, Moyers, WV
26815, 304-249-5200, Fax: 304-249-5310, www.lightstone.org
Wisconsin
ADVOCAP Business Development Loan Fund, ADVOCAP, Inc., 19 W. 1st
St., Fond du Lac, WI 54935, 920-922-7760, Fax: 920-922-7214
Business
Ownership and Operations, Juneau Business High School, 6415 West Mount
Vernon, Milwaukee, WI 53213, 414-476-5480
Economic
Development Project, West Cap, 525 2nd St., Glenwood City, WI 54013,
715-265-4271, Fax: 715-265-7031
Self-Employment
Project, CAP Services, Inc., 1725 W. River Dr., Stevens Point, WI
54481, 715-345-5200, Fax: 715-345-6508
Small Business Loan, Wisconsin Women's Business Initiative, 2745
N. Dr. ML King Jr. Drive, Milwaukee, WI 53212, 414-263-5450, www.wwbic.com,
Email: info@wwbic.com
Job and Business Development Loan, Wisconsin Coulee Region Community
Action Program, 201 Melby Street, Westby, WI 54667, 608-634-3104
Revolving Loan Fund, CAP Services, 1725 West River Drive, Stevens
Point, WI 54481, 715-345-5200
West CAP Child Care Loan, West Central Wisconsin Community Action
Agency, Inc. (West CAP), 119 West 6th Avenue, Menomonie, WI 54751, 715-235-8525
back to top
Free
Business Assistance Programs
A helping
hand is just a phone call away for individuals who want to enter into
a small business or microenterprise. If you fall into any of the following
categories: low to moderate income, Native American, minorities, women,
welfare recipients, or have little or no money, you may be eligible for
a wide range of assistance. These programs are aimed to assist individuals
toward self-sufficiency. Imagine getting training, counseling, peer support
and exchange, and mentoring for free to help you get the knowledge you
need to start your own business. Learn how to prepare a business plan
and get guidance from the best instructors in the country. One such program
is NOVA, located in Arkansas. Their program has four major components:
Group Training; Individual Sessions; Business Start-Up; and Networking
and Mentoring. Imagine youths able to receive effective business course
training. One such program is Kidpreneur Enterprises, located in Michigan.
This program is available to all youths who express an interest in owning
and operating their own small business. Kidpreneur is designed to provide
and instill concepts and experiences in the minds of youths. Doors can
open for entrepreneurs, like Adina Rosenthal, owner of Threadbearer, a
fabric and accessory shop located on Capitol Hill. At a very young age,
Adina knew she wanted to work with fabrics. At age 17, she lost the use
of her right arm when she was hit by a logging truck. After receiving
her degree from the Fashion Institute of Design and Merchandising, she
attempted to get work at various design companies only to be passed over
time and time again. A friend suggested she join the Black Dollar Days'
program for entrepreneurs. After completing their entrepreneurial program,
Adina opened Threadbearer. She accredits her success to the assistance
she received, and is still receiving, from the Black Dollar Days Task
Force. Daryl Anderson, an experienced roofer, lacked the necessary skills
to run a business of his own. In 1994, Daryl began his involvement with
the Cottage Industry Programs offered by the Portsmouth Community Development
Group (PCDG) in Montana. After a year of technical assistance, the use
of an office, and hours of encouragement, Daryl and his wife Karen were
able to open Quality Roofing and Siding. Daryl admits he never would have
made it without PCDG's commitment to business counseling and training.
The aim of these programs is to develop a participant's confidence and
skills in understanding business enterprise and to further the development
of viable business ideas.
back to top
Technical Assistance Programs
Arizona
Micro Industry Credit Rural Organization, P.P.E.P. Microbusiness
and Housing Development Corp., Inc., 1100 E. Ajo Way, Suite 209, Tucson,
AZ 85713, 520-806-9513, Fax: 520-806-9515
Arkansas
New Opportunities for Venture Alternatives (NOVA), Good Faith Fund
(GFF), 2304 W. 29th Ave., Pine Bluff, AR 71603, 870-535-6233
California
Arcata Economic Development Corporation, 100 Ericson Court, Suite
100, Arcata, CA 95521, 707-822-4616, Fax: 707-822-8982
California
Indian Manpower Consortium, 4153 Northgate Blvd., Sacramento, CA 95834,
916-920-0285, Fax: 916-641-6338
Center
for Community Futures, P.O. Box 5309, Elmwood Station, Berkeley, CA
94705, 510-339-3801, Fax: 510-339-3803
Micro
Enterprise Assistance Program of Orange County, 18011 Skypark Circle,
Suite E, Irvine, CA 92614, 949-252-1380
Private
Industry Council, 2425 Bisso Lane, Suite 200, Concord, CA 94520, 925-646-5377,
Fax: 925-646-5299
Self-Employment
Microenterprise Development (SEMED), Economic and Employment Development
Center (EEDC), 241 S. Figueroa St., Los Angeles, CA 90012, 213-617-3953
The
West Company, The West Enterprise Center, 367 North State St., Suite
206, Ukiah, CA 95482, 707-468-3553, Fax: 707-462-8945
Training,
Network and Business Incubator, San Francisco Renaissance, 275 5th
St., San Francisco, CA 94103, 415-541-8580, Fax: 415-541-8589
Women's
Economic Ventures of Santa Barbara, 1216 State St., Suite 610, Santa
Barbara, CA 93101, 805-965-6073, Fax: 805-962-9622
Colorado
Mi Casa Resource Center for Women, 571 Galapago St., Denver, CO
80204, 303-573-1302, Fax: 303-595-0422
Connecticut
Aid to Artisans, Inc., 14 Brick Walk Lane, Farmington, CT 06032,
860-677-1649, Fax: 860-676-2170
Entrepreneurial
Center for Women, Hartford College for Women, 50 Elizabeth St., Hartford,
CT 06105, 860-768-5681, Fax: 860-768-5622
Hartford
Economic Development Corporation, 15 Lewis St., Hartford, CT 06103,
860-527-1301, Fax: 860-727-9224
District
of Columbia
Accion International, Department of U.S. Operations, 733 15th St.
NW, Suite 700, Washington, DC 20005, 202-393-5113, Fax: 202-393-5115
LEDC
Microenterprise Loan Fund, Latino Economic Development Corp., Inc.,
2316 18th St., NW, Washington, DC 20009, 202-588-5102, Fax: 202-588-5204
New
Enterprise Training for Profits (NET/PRO), Venture Concepts, 325 Pennsylvania
Ave., SE, Washington, DC 20003, 202-543-1200, Fax: 202-543-0254
SCORE,
National SCORE Office, 409 3rd St., SW, Washington, DC 20024, 800-634-0245
Youth Microloan Fund, The Entrepreneurial Development Institute,
P.O. Box 65882, Washington, DC 20035-5882, 202-822-8334
Georgia
Entrepreneurial Training, Grasp Enterprises, 55 Marietta, Suite
2000, Atlanta, GA 30303, 404-659-5955, Fax: 404-880-9561
Hawaii
Pacific Business Center Program, University of Hawaii, BUS-AD 413,
2404 Maile Way, Honolulu, HI 96822, 808-956-6286
Refugee
Enterprise Development Project, Immigrant Center, 720 North King St.,
Honolulu, HI 96817, 808-845-3918, Fax: 808-842-1962
Illinois
Chicago Association of Neighborhood Development Organizations,
123 W. Madison St., Suite 1100, Chicago, IL 60602, 312-372-2636, Fax:
312-372-2637
Community
Enterprising Project, Uptown Center Hull House Association, 4520 North
Beacon St., Chicago, IL 60640, 312-561-3500, Fax: 312-561-3507
Peoria
Area Micro Business Development Program, The Economic Development
Council for The Peoria Area, Inc., 124 SW Adams St., Suite 300, Peoria,
IL 61602, 309-676-7500, Fax: 309-676-7534
Women's Business Development Center, 8 South Michigan Ave., Suite
400, Chicago, IL 60603, 312-853-3477, Fax: 312-853-0145
Women's
Self-Employment Project, 20 N. Clark St., Chicago, IL 60602, 312-606-8255,
Fax: 312-606-9215
Women's Economic Venture Enterprise (WEVE), YWCA, 229 16th St.,
Rock Island, IL 61201, 309-788-9793, Fax: 309-788-9825
Indiana
Eastside Community Fund, Eastside Community Investments (ECI),
26 North Arsenal Ave., Indianapolis, IN 46220, 317-637-7300, Fax: 317-637-7581
Indiana
Small Business Development Center Network, One North Capitol, Suite
1275, Indianapolis, IN 46204, 317-264-6871, Fax: 317-264-2806
Iowa
Siouxland Economic Development Corporation (SEDC), 428 Insurance
Centre, Sioux City, IA 51102, 712-279-6286, Fax: 712-279-6920
Small
Enterprise Development, Institute for Social and Economic Development,
1901 Broadway, Suite 313, Iowa City, IA 52240, 319-338-2331, Fax: 319-338-5824
Kentucky
Community Loan Fund, Human/Economic Appalachian Development Corporation,
P.O. Box 504, Berea, KY 40403
606-986-8423, Fax: 606-986-1299
Community
Ventures Corporation Bluegrass Microenterprise Program, 1450 North
Broadway, Lexington, KY 40506, 606-231-0054
Maine
Androscoggin Valley Council of Governments (AVCOG's), 125 Manley
Rd., Auburn, ME 04210, 207-783-9186, Fax: 207-783-5211
Aroostook
County Action Programs, Inc., 771 Main St., Presque Isle, ME 04769,
207-764-3721, Fax: 207-768-3040
Community
Concepts Inc. (CCI), P.O. Box 278, Market Square, South Paris, ME
04281, 207-743-7716, Fax: 207-743-6513
Enterprise
Development Fund, Coastal Enterprises, Inc., P.O. Box 268, Water St.,
Wiscasset, ME 04578, 207-882-7552, Fax: 207-882-7308
Greater Portland Economic Development Council, 145 Middle St.,
Portland, ME 04101, 207-772-1109, Fax: 207-772-1179
Growth Council of Oxford Hills, 150 Main St., South Paris, ME 04281,
207-743-8830, Fax: 207-743-5917
Maine Centers for Women, Work and Community, 46 University Dr.,
Augusta, ME 04330, 207-621-3440, Fax: 207-621-3429
New Ventures, Maine Centers for Women, Work, and Community, Stoddard
House, University of Maine, Augusta, ME 04330, 207-621-3433, Fax: 207-621-3429
Service Corps of Retired Executives (SCORE), 66 Pearl St., Portland,
ME 04101, 207-772-1147
University of Maine Cooperative Extension, 5741 Libby Hall, Room
106, Orono, ME 04469-5741, 207-581-3167, Fax: 207-581-1387
USM School of Applied Science/Department of External Programs,
University of Southern Maine, 37 College Ave., Graham, ME 04038, 207-780-5439,
Fax: 207-780-5129
Maryland
Business Owners Start-Up Services (BOSS), Council of Economic and
Business Opportunities, 800 North Charles St., Suite 300, Baltimore, MD
21201, 410-576-2326, Fax: 410-576-2498
Women
Entrepreneurs of Baltimore, Inc., 1118 Light St., Suite 202, Baltimore,
MD 21230, 410-727-4921, Fax: 410-727-4989
Massachusetts
Berkshire Enterprises, University of Massachusetts Donahue Institute,
24 Depot St., P.O. Box 2297, Pittsfield, MA 01201, 413-448-2755, Fax:
413-448-2749
Brightwood
Development Corporation, 2345 Main St., Springfield, MA 01107, 413-734-2144,
Fax: 413-746-3934
Hilltown Enterprise Fund, Hilltown Community Development Corporation,
432 Main Rd. #A, Chesterfield, MA 01012, 413-296-4536, Fax: 413-296-4020
Microenterprise Training and Loan Program for Refugees, Jewish
Vocational Service, 105 Chauncy St., 4th Floor, Boston, MA 02111, 617-451-8147,
Fax: 617-451-9973
Community Economic Development Center, 166 William St., New Bedford,
MA 02740, 508-979-4684, Fax: 508-990-0199
Small Business Development System (SBDS), The Howells Group, SIS
Management, 930 Commonwealth Ave., South, Boston, MA 02215, 717-264-6205,
Fax: 717-731-6531
The Trusteeship Institute, 15 Edwards Square, Northampton, MA 01060,
413-259-1600
Michigan
Ann Arbor Community Development Corporation, 2008 Hogback Rd.,
Suite 12, Ann Arbor, MI 48105, 313-677-1400, Fax: 313-677-1465
Grand
Rapids Opportunities for Women (GROW), Center for Women, 25 Sheldon
Blvd. SE, Suite 210, Grand Rapids, MI 49503, 616-458-3404
Kidpreneur
Enterprises, Metropolitan Chamber of Commerce, 400 N. Saginaw St.,
Suite 101A, Flint, MI 48502, 810-235-5514, Fax: 810-235-4407
Northern
Economic Initiatives Corporation, 1009 West Ridge, Marquette, MI 49855,
906-228-5571, Fax: 906-228-5572
Supportive
Entrepreneurial Program, Community Action Agency of South Central
Michigan, 175 Main St., Battle Creek, MI 49014, 616-965-7766, Fax: 616-965-1152
Minnesota
American Institute of Small Business, 7515 Wayzata Blvd., Suite
129, Minneapolis, MN 55426, 612-545-7001, Fax: 612-545-7020
Arrowhead Community Economic Assistance Corporation, 702 Third
Ave. South, Virginia, MN 55792-2775, 218-749-2914, Fax: 218-749-2913
Emerging Entrepreneur Development Program, Northwest Minnesota
Initiative Fund, 4225 Technology Dr., Bemidji, MN 56601, 208-759-2057,
Fax: 208-759-2328
Northeast Entrepreneur Fund, Inc., 820 Ninth St., North, Suite
140, Virginia, MN 55792, 218-749-4191, Fax: 218-741-4249
Self-Employment
Investment Demonstration (SEID), Minnesota Department of Human Services,
444 Lafayette Rd., St. Paul, MN 55155-3814, 651-297-1316, Fax: 651-215-6388,
www.dhs.state.mn.us/ecs/program/seid.htm
North
Star Community Development Corporation, 615 Board of Trade Building,
301 West First St., Suite 604, Duluth, MN 55802, 218-727-6690
Missouri
Create Your Own Job, Missouri Western State College, 4525 Downs
Dr., St. Joseph, MO 64507, 816-271-5830
Montana
Action for Eastern Montana, 2030 N. Merrill, Glendive, MT 59330-1309,
406-377-3564
Montana
Women's Economic Development Group (WEDGO), Women's Opportunity and
Resource Development, 127 North Higgins, Missoula, MT 59802, 406-543-3550,
Fax: 406-721-4584
Opportunities,
Inc., 905 1st Ave. North, Great Falls, MT 59403, 406-761-0310
Nebraska
Rural Enterprise Assistance Project, Center for Rural Affairs,
P.O. Box 406, Walthill, NE 68067, 402-846-5428, Fax: 402-846-5420
New
Mexico
Women's Economic Self-Sufficiency Team (WESST Corp.), 414 Silver
SW, Albuquerque, NM 87102-3239, 505-848-4760, Fax: 505-848-2368
New
York
ACCION New York, 235 Havemeyer St., 3rd Floor, Brooklyn, NY 11211,
718-599-5170, Fax: 718-387-9686
Microenterprise
Loan and Assistance Program, Church Avenue Merchants Block Association,
Inc., 885 Flatbush Ave., Brooklyn, NY 11226, 718-287-0100, Fax: 718-287-2737
Ms.
Foundation for Women, Ms. Foundation, 120 Wall St., Floor 33, New
York, NY 10005, 212-742-2300, Fax: 212-742-1653
New
York Department of Economic Development, Local Development Corporation
of East New York, 80 Jamaica Ave., Brooklyn, NY 11207, 718-385-6700, Fax:
718-385-7505
New
York State Department of Economic Development, Entrepreneurial Assistance
Program, Queens County Overall Economic Development Corporation, 120-55
Queens Blvd. #309, Jamaica, NY 11424, 718-263-0546, Fax: 718-263-0594
Rural
Venture Fund, Rural Opportunities, Inc., 400 East Ave., Rochester,
NY 15607, 716-340-3387, Fax: 716-340-3337
North
Carolina
Rural Economic Development Centers, Inc., 4021 Carya Dr., Raleigh,
NC 27610, 919-250-4314, Fax: 919-250-4325
WAMY
Community Action, Inc., P.O. Box 2688, Boone, NC 28607, 828-264-2421,
Fax: 828-264-0952
Northeastern
Community Development Corporation, 154 US Highway 158 East, Camden,
NC 27921, 252-338-5466, Fax: 252-338-5639
North
Dakota
Center for Innovation and Business Development, Box 8372, UND, Grand
Forks, ND 58202, 701-777-3132, Fax: 701-777-2339
Ohio
The Appalachian Center for Economic Networks (ACEnet), 94 North
Columbus Rd., Athens, OH 45701, 740-592-3854, Fax: 740-593-5451
The
Chamber of Women's Business Initiative Program, 37 North High St.,
Columbus, OH 43215, 614-225-6910
Ventures
in Business Ownership, Columbiana Career Center, 9364 St. Rt. 45,
Lisbon, OH 44432, 330-424-9561, ext. 34, Fax: 330-424-9719, (Serving Columbiana,
Mahoning, Carroll counties and parts of Pennsylvania and West Virginia)
Ehove
Career Center, 316 West Mason Rd., Milan, OH 44846, 419-499-4663,
Fax: 419-499-4076,
www.ehove-jvs.k12.oh.us,
(Serving Huron, Erie and Ottawa counties)
Guernsey-Noble
Career Center, 57090 Vocational Rd., Senecaville, OH 43780, 740-685-2516,
Fax: 740-685-2518, (Serving Guernsey, Noble, Muskingum and Perry counties)
Greene
County Career Center, 2960 West Enon Rd., Xenia, OH 45385, 937-426-6636,
Fax: 937-372-8283, (Serving Montgomery, Greene, Clark and Miami counties)
Medina
County Career Center, 1101 West Liberty St., Medina, OH 44256, 330-725-8461,
Fax: 330-725-3842, (Serving Medina county and surrounding area)
Penta
County Vocational School, 30095 Oregon Rd., Perrysburg, OH 43551,
419-666-1120, Fax: 419-666-6049, (Serving Northwest Ohio)
Polaris
Career Center, 7285 Old Oak Blvd., Middleburg, OH 44130, 440-891-7703
Fax: 440-826-4330, www.polaris.edu,
(Serving Cuyahoga county)
Upper
Valley Applied Technology Center, 8811 Career Dr., Piqua, OH 45356,
937-778-8419, (Serving Miami, Shelby, Darke and portions of surrounding
counties)
Women's
Business Resource Program of Southeast Ohio, 20 East Circle Dr., Suite
155, Athens, OH 45701, 740-593-0474, Fax: 740-593-1795
Women
Entrepreneurs, Inc., 36 East 4th St. #92, Cincinnati, OH 45202, 513-684-0700,
Fax: 513-684-0779
Women's
Network Mentoring Program, Women's Network, 526 S. Main St., Suite
221, Akron, OH 44311, 330-379-9280, 330-379-3454
Pennsylvania
A Service for Self-Employment Training and Support (ASSETS), Mennonite
Economic Development Associates, 447 S. Prince St., Lancaster, PA 17603,
717-393-6089
Micro-Enterprise
Development, Lutheran Children and Family Service, 45 Garrett Rd.,
Upper Darby, PA 19082, 610-734-3363, Fax: 610-734-3389
Philadelphia
Small Business Loan Fund, LaSalle University Small Business Development
Center, 1900 West Olney Ave., Box 828, Philadelphia, PA 19141, 215-951-1416,
Fax: 215-951-1597
Rhode
Island
Elmwood Neighborhood Housing Services, Inc. (N.H.S.), 9 Atlantic
Ave., Providence, RI 02907, 401-461-4111
South
Dakota
Northeast South Dakota Energy Conservation Corporation, NE South
Dakota Energy Conservation Corp., 414 Third Ave. East, Sisseton, SD 57262,
605-698-7654
Vermont
Burlington Revolving Loan Fund, Community and Economic Development
Office, Room 32, City Hall, Burlington, VT 05461, 802-865-7144
Micro-Business
Development Program, Central Vermont Community Action Council, Inc.,
195 US Route 302/Berlin, Barre, VT 05641, 802-479-1053, Fax: 802-479-5353
Virginia
Association of Farmworker Opportunity Programs, 1611 N. Kent St.,
Suite 910, Arlington, VA 22209, 703-528-4141, Fax: 703-528-4145
Oweesta
Program, First Nations Development Institute, The Stores Bldg., 11917
Main St., Falmouth, VA 22408, 540-371-5615, Fax: 540-371-3505
United
Community Ministries (UCM), 7511 Fordson Rd., Alexandria, VA 22306,
703-768-7106, Fax: 703-768-4788
Washington
Cascadia Revolving Fund, 119 1st Ave. S., Suite 100, Seattle, WA
98104, 206-447-9226, Fax: 206-682-4804
The
Inner-City Entrepreneurial Training Program (ICETP), Black Dollar
Task Force, 116-21st Ave., Seattle, WA 98122, 206-323-0534, Fax: 206-323-4701
West
Virginia
Center for Economic Options, 601 Delaware Ave., Charleston, WV
25302, 304-345-1298, Fax: 304-342-0641
Monroe
Neighborhood Enterprise Center, Monroe County Community Services Council,
P.O. Box 403, Union, WV 24883, 304-772-3381, Fax: 304-772-4014
Wisconsin
Advocap, Inc., 19 W. 1st St. , Fond du Lac, WI 54935, 920-922-7760,
Fax: 920-922-7214
Business
Ownership and Operations, Juneau Business High School, 6415 West Mount
Vernon, Milwaukee, WI 53213, 414-476-5480
Cap
Services, Inc., 5499 Highway 10 East, Stevens Point, WI 54481, 715-345-5200,
Fax: 715-345-5206
Economic
Development Project, West Cap, 525 2nd St., Glenwood City, WI 54013,
715-265-4271, Fax: 715-265-7031
Women's
Business Initiative Corporation, 2745 Dr. Martin Luther King Dr.,
Milwaukee, WI 53212, 414-372-2070, Fax: 414-263-5456
back to top
State
Government Money Programs For Selling Overseas
Some
state government economic development programs offer special help for
those who need financial assistance in selling overseas. Contact your
state Economic Development Office listed in the blue pages of your phone
book.
back to top
Small
Business Administration (SBA) Export Loans
This
agency makes loans and loan guarantees to small business concerns as well
as to small business investment companies, including those that sell overseas.
It also offers technical assistance, counseling, training, management
assistance, and information resources, including some excellent publications
to small and minority businesses in export operations. Contact your local
or regional SBA office listed in the blue pages of your telephone book
under Small Business Administration, or Small Business Administration,
Office of International Trade, 409 3rd St., SW, Washington, DC 20416,
202-205-6720; {www.sbaonline.sba.gov/oit/finance}.
back to top
Agency
For International Development (AID)
The
Agency for International Development was created in 1961 by John F. Kennedy.
AID offers a variety of loan and financing guarantee programs for projects
in developing countries that have a substantial developmental impact,
or for the exportation of manufactured goods to AID-assisted developing
countries. Some investment opportunities are region specific, which include
the Association of Southeast Asian National, the Philippines, and Africa.
For more information, contact the Office of Investment, Agency for International
Development, 515 22nd St. NW, Room 301, Washington, DC 20523-0231; 703-875-1551;
{www.info.usaid.gov}.
back to top
Grants
to Train Local Personnel
The Trade and Development Agency has the authority to offer grants in
support of short-listed companies on a transaction specific basis. These
are usually in the form of grants to cover the cost of training local
personnel by the company on the installation, operation, and maintenance
of equipment specific to bid the proposal. The average grant awarded is
$320,000. Contact: Trade and Development Agency, 1621 N. Kent St., Suite
200, Arlington, VA 22209; 703-875-4357; Fax: 703-875-4009.
back to top
Consortia of American Businesses
in Eastern Europe (CABEE)
CABEE
provides grant funds to trade organizations to defray the costs of opening,
staffing, and operating U.S. consortia offices in Eastern Europe. The
CABEE grant program initially began operations in Poland, the Czech Republic,
Slovikia, and Hungary, targeting five industry sectors: agribusiness/agriculture,
construction/ housing, energy, environment, and telecommunications. Contact:
CABEE, Department of Commerce, 14th and Constitution Avenue, Room 1104,
Washington, DC 20230, 202-482-5004; Fax: 202-482-1790; {www.ita.doc.gov/oetca}.
back to top
Consortia
of American Businesses in the Newly Independent States (CABNIS)
This program was modeled after CABEE and stimulates U.S. business in the
Newly Independent States (NIS) and assists the region in its move toward
privatization. CABNIS is providing grant funds to nonprofit organizations
to defray the costs of opening, staffing, and operating U.S. consortia
offices in the NIS. Contact: CABNIS, Department of Commerce, 14th and
Constitution Ave., Washington, DC 20230, 202-482-5004; {www.ita.doc.gov/export_admin/brochure.html
- info}. For financing and a listing of grantees, contact {www.itaiep.doc.gov/bisnis/finance/cabnis.htm}.
back to top
Money To Start A Business When You're
Out Of Work
There are literally hundreds of programs around the country that provide
training and money to out-of-work and low income people who want to start
their own businesses. Most of these organizations are nonprofit and obtain
money from a variety of sources, including government grants. The target
population of many of these programs is women. The Self-Employment Loan
Fund in Phoenix, AZ, has helped over 350 people get training and money
to start their own businesses. For information, contact Self-Employment
Loan Fund, Inc., 201 North Central Ave., Suite CC10, Phoenix, AZ 95073;
602-340-8834; {www.onlinewbc.org/docs/wbcs/AZPhoenix.html}.
Iowa has the Self-Employment Loan Program, which provides low interest
loans to people with low income or disabilities. For more information,
contact Iowa Department of Economic Development, 200 E. Grand Ave., Des
Moines, IA 50309; 800-245-IOWA; {www.smart.state.ia.us/financial.htm#selp}.
Many of these programs offer business loans to people who are at or below
the poverty level. These programs may be identified though your state
Office of Economic Development located in the blue pages of your phone
book. You may also try contacting the state Office of Social Services
listed in the blue pages of your phone book. The Aspen Institute keeps
track of many of these organizations and sells a directory called Directory
of U.S. Microenterprise Development Programs for $15.00. To order a copy,
contact Aspen Institute, 1333 New Hampshire Ave., NW, Suite 1070, Washington,
DC 20036; 202-736-5800.
back to top
Money
To Buy Out The Boss
The
government doesn't want your boss to move your company or close it down.
So the government has set up state and local programs that help employees
get the money they need to buy out the boss. Wisconsin has a program called
the Employee Ownership Assistance Loan Program that can be used to buy
a company that has expressed the intent to downsize or close. Contact
your state Office of Economic Development listed in the blue pages of
your phone book to investigate how you can buy out your boss.
back to top
Money
For Entrepreneurs With Disabilities
Entrepreneurs with disabilities can apply for up to $50,000 from the Minority,
Woman and Disabled Participation Loan Program in Illinois through the
Department of Commerce and Community Affairs. Iowa offers grants up to
$15,000 through a program called Entrepreneurs with Disabilities from
the Iowa Department of Economic Development. Iowa also offers low interest
loans to those with disabilities through its Self-Employment Loan Program.
Connecticut has laws that make sure entrepreneurs with disabilities (and
other minorities) get up to 25% of state government contracts through
the Set-Aside Unit of the Department of Administrative Services. Maryland
even has venture capital set aside for the disabled in its Equity Participation
Program of the Maryland Small Business Development Financing Authority.
The U.S. Small Business Administration used to have a special program
for people with disabilities, but now includes them in its major loan
program. See what your state has to offer by contacting your state Office
of Vocational Rehabilitation or the Office of Economic Development listed
in the blue pages of your phone book.
back to top
Free Help In Starting
a Business, Plus $800, If You Lose Your Job From A Dirty Company
Free entrepreneurial training is available if you lost your job
because of a company's compliance with the Clean Air Act. The program
was initiated from the Environmental Protection Agency's Clean Air Act,
which amended the Department of Labor's Job Training Partnership Act (Title
III). So it's the U.S. Department of Labor that runs the training program.
Are you confused yet? There is also money in this program to get $800
to move to another city to look for a job. It may be hard to find at the
state level, which get grants from the Feds to run the program. The state
of Illinois runs it out of their Department of Commerce. Contact your
state information operator listed in the blue pages of your phone book
and ask for your state Department of Labor. You can also locate your state
contact by contacting the Office of Worker Retraining and Adjustment Programs,
Employment and Training Administration, U.S. Department of Labor, Room
N5426, 200 Constitution Ave., NW, Washington, DC 20210; 202-219-5577;
{www.wdsc.org/layoff/title3.htm}.
back to top
When Your
Business Fails: Get Free Money, Child Care and Training
The U.S. Department of Labor provides money to states under a program
called The Economic Dislocation and Worker Adjustment Assistance (EDWAA)
Act. Although the money is primarily meant for people who lose their jobs
because of layoffs, the money can also be used for people who are out
of work because their small business failed or because they are a displaced
homemaker as a result of a divorce. Under this act, you can receive free
courses and training for a new career, emergency financial aid, child
care money, travel money for getting to work or training, and even relocation
money if you have to move for a new job. Contact your state Department
of Labor listed in the blue pages of your phone book and ask for the office
that is designated as the state's Dislocated Worker Unit. If you have
trouble contacting your local office, you may contact the Office of Worker
Retraining and Adjustment Programs, Employment and Training Administration,
U.S. Department of Labor, Room N-5426, 200 Constitution Ave., NW, Washington,
DC 20210; 202-219-5577; {www.wdsc.org/layoff/title3.htm}.
back to top
Free
Seminars On How to Sell Your Stuff Overseas
Kentucky offers free half-day seminars on how to sell and finance your
products overseas. They may charge a fee if it's a full day program, but
it's usually only $25 to cover the lunch. They will bring in bankers and
government money officials to show you how you can make deals and get
them financed. The program is offered through the International Trade
Office of the Department of Community Development. Most states will offer
training to help you generate business overseas whether you are a first
time exporter/importer or an old pro. Contact your state Office of Economic
Development listed in the blue pages of your phone book and ask for the
office that helps businesses sell overseas.
back to top
One Page Gets You A $150,000 Business Loan
A one-page form is all you have to fill out to apply for a loan of up
to $150,000 for your business through the government's LOWDOC Loan Guarantee
program. Contact your local office of the U.S. Small Business Administration
to learn more about the steps necessary to apply for the loan. Contact
U.S. Small Business Administration, 409 Third St., SW, Washington, DC
20416; 800-8ASK-SBA; {www.sba.gov}.
back to top
Lots
of Loan Money, Some At 0% Interest
The
U.S. Small Business Administration runs the government's most popular
loan program. Well, it's actually a loan guarantee program. This means
that the government will tell a bank that they will pay back the loan
if you can't.
About 70,000 loans a year are made through this program. But there are
dozens, even hundreds, of other government loan and loan guarantee programs.
The U.S. Department of Agriculture has direct loans and loan guarantees
to entrepreneurs living in small towns. They even have programs that offer
grants to nonprofit organizations, which in turn lend the money to small
businesses. And
the states are loaded with loan programs for businesses. Maryland, for
example, has about 10 loan programs at the state level and has 11 more
business loan programs at the county level. It's not unusual for some
of these loans to be low interest or even 0% interest. Contact your state
Office of Economic Development listed in the blue pages of your phone
book and go from there. And don't stop!
back to top
Save
$2,000 On Preparing a Business Plan
Why
spend thousands on attorneys, accountants, and management consultants
when you are putting together your business idea? You can get some of
the best help available to develop a business plan, marketing plan, financial
plan, management plan, etc., for nothing or next to nothing by contacting
your local Small Business Development Center. Next to Social Security,
this is probably one of the most valuable services Uncle Sam has ever
offered. You can find your local office by contacting your state's main
Small Business Development Center office.
back to top
Sell
Overseas at Government Expense
The
U.S. Department of Agriculture's Foreign Market Development Cooperation
Program grants over $3 million a year to companies and cooperatives to
sell their products overseas. Indiana's Trade Show Assistance Program
offers grants up to $5,000 to attend a trade show in a foreign country.
Wisconsin also offers $5,000 to party overseas. I mean, to attend a trade
show. Many states also offer special money programs to help finance your
sales overseas through the Office of Economic Development. The Export-Import
Bank of the United States provides working capital to small businesses
to finance their exports as well as Export Credit Insurance, Direct Loans
and Loan Guarantees. Contact Export-Import Bank of the U.S., 811 Vermont
Ave., NW, Washington, DC 20571; 800-565-EXIM; {www.exim.gov}.
The Overseas Private Investment Corporation (OPIC) also provides financing
and insurance to small businesses to sell their goods and services overseas.
Contact Investment Services Director, Program Development, Investment
Development Department, 1100 New York Ave., NW, Washington, DC 20527;
202-336-8621; {www.opic.gov}.
back to top
Get Paid
To Attend Entrepreneur Classes
If you lost your job and are eligible for unemployment, contact your local
Unemployment Office and find out how you can collect your employment money
while you are attending classes on how to set up your own business. You
can't collect while you are starting a business, but you can collect while
you are learning how to start a business. This is very new and exciting
program to help those who are unemployed develop their own jobs. Maryland,
Delaware, California, New York, New Jersey, Oregon, Maine, and Pennsylvania
run programs, and there are likely to be more. In 1998, the congress passed
HR 4558 that extended this program and allowed all states to be eligible
to provide similar programs. Contact your state Unemployment Insurance
office in your state capital (listed in the blue pages of your phone book)
and ask if they are participating in any self-employment programs.
back to top
Money To Start
A Business In A High Unemployment Area
The Economic Development Administration makes grants to local communities
with high unemployment, that in turn, make business loans to small entrepreneurs
who can create jobs. This is done through the revolving loan fund of the
Economic Adjustment Program. The Buffalo, New York area recently used
this program to make loans to 182 companies targeting start-ups as well
as minority and women-owned businesses. Find out where in your area there
may be revolving loan programs from your state Office of Economic Development
listed in the blue pages of your phone book, or contact the Economic Development
Administration, U.S. Dept. of Commerce, 14th & Constitution Ave, Room
7800B, Washington, DC 20230; 202-482-5081; {www.doc.gov/eda}.
back to top
$75,000
Grant If Hurt By Imports
If
your business suffers a loss due to imports, you may be eligible to receive
up to $75,000 to pay for consultants to develop a new business plan to
put you back on the road to success. The program is called Trade Adjustment
Assistance, and there are 12 regional offices around the country that
help businesses apply for this help. These offices also help businesses
with assistance and loans when they have been hurt by defense cutbacks.
Contact: Planning and Development Assistance Division, Economic Development
Administration, Room H7315, Washington, DC 20230; 202-482-2127; Fax: 202-482-0466;
{www.doc.gov/eda}.
back to top
Free
Help Selling Your Arts And Crafts
The
Kentucky Craft Marketing Program can get your studio, shop or work listed
in directories or on the web and can get you into fairs to sell your work.
They also offer help to train you in other ways to market and sell your
work. Check with your state arts council located in your state capital
(see page 386) for the kind of help you can get in your state. Illinois
has a free Art Fair Directory showing you where you can display your work.
Also, check into the American Folklife Center, Library of Congress, 101
Independence Ave., SE, Washington, DC 20540; 202-707-5510; {http://lcweb.loc.gov/folklife}.
back to top
Money If You Start A Business
In A Certain Zip Code
Connecticut
will give your business a grant of up to $2,250 per employee if your business
is in certain enterprise zones. Plus, you pay only 50% in corporate taxes
and only 20% in property taxes. Locating your business in certain areas
of Chicago will get you an exception of income taxes on money made from
the area, low interest rate loans, and a big break on your sales and property
taxes. The federal government has designated over 100 areas around the
country as enterprise areas and offers special low interest loans, $3,000
tax credit for every employee you have, and an extra $20,000 tax deduction
for capital investments, as well as a boat load of other services and
money incentives. Enterprise zones, also called empowerment zones, have
been established in order to generate jobs and economic development in
certain rural and urban areas around the country. Contact your state Office
of Economic Development listed in the blue pages of your phone book to
identify the zones in your area; or contact U.S. Department of Housing
and Urban Development, 451 7 St., SW, Washington, DC 20410; 202-708-1577;
{www.hud.gov/ezeclist.html}.
back to top
Bureaucrats Will Fight
the Government For You
You don't have to hire a hot shot "Washington Insider" at $200
an hour to fight a government regulation that you feel is unfair, or to
fight an agency who is taking too long to pay a legitimate bill, or to
suffer from a fine imposed by a government official that you feel is not
justified. You can call "BUREAUCRACY MAN". There are actually
a number of government bureaucrats that will fight other bureaucrats for
you:
* The Small Business Administration has set up an office that will investigate
complaints and help you get equitable settlements. They will even show
you how to sue the government and get attorney's fees and costs. Contact
Office of the National Ombudsman, U.S. Small Business Administration,
500 West Madison, Suite 1240, Chicago, IL 60661; 312-353-0880; Fax: 312-353-3426;
888-REG-FAIR; {www.sba.gov/regfair}.
* Many state capitals have offices that will fight the state bureaucracy
for you. The Michigan Jobs Commission has a service that will fight for
you. Arizona has a Small Business Advocate that will help resolve issues
with any government office, congress or state legislature. Contact your
state Office of Economic Development listed in the blue pages of your
phone book, or your state governor's office.
* The IRS's Problem Resolution Center has offices around the country that
will fight the IRS for you after your efforts prove futile. They are listed
in the blue pages of your telephone book under U.S. Department of the
Treasury.
* Your elected official, in both Washington and your state capital, is
probably the only government office with a real motive to help you with
a problem. They want your vote to keep their job. All the rest of the
officials will keep their job whether they make you happy or not.
back to top
Loans
For Failures and Bad Credit Risks
That's
what it sounds like when you investigate your local Capital Access Program
(CAP). Banks offering this program are more likely to lend to people who
are less than credit worthy, because, if for some reason you can't pay
back the bank, your state government will. It's just another way for state
government to encourage you to start and grow your business. New Hampshire,
California, Virginia, Pennsylvania, Indiana and many more were offering
the program the last time I checked. Contact your state Office of Economic
Development to see if the program is offered in your state.
back to top
$10,000 For Your 10-Year-Old
Grandson
To Start A Business
The U.S. Department of Agriculture (USDA) has a program that loans money
to kids between the ages of 10 and 21, who live in small towns, to start
a business. Nebraska runs entrepreneur camps for teenagers through their
Center For Rural Affairs. The Pennsylvania Department of Agriculture gives
out loans to people starting at 18 years of age. Harris County in Texas
has $10,000 to invest in youth entrepreneurs, and the City of Minneapolis
has a program that trains youth in entrepreneuring by having them run
a retail store that sells property confiscated by the police department.
For the USDA program, contact your local Farm Service, or the Farm Service
Agency, Loan Marketing Division, Ag Box 0522, Washington, DC 20250; 202-720-1632;
{www.fsa.usda.gov/}. For other
local programs, a good place to start is your local County Cooperative
Extension Service, listed under County Government in your phone book.
back to top
Get The Government
To Pay Half Your Employees' Wages
If you hire some people who have had trouble getting a job, the IRS will
give you back up to 35% of the first year's salary, and up to 50% of the
second year's salary. You can get up to $2,400 back in tax credits for
hiring someone from certain zip codes. There are states, like Mississippi,
that will give you up to $2,000 a year for five years in credits for new
employees, or 50% back on any child care expenses you pay for your employees.
There are many areas of the country where an employer can get back $2,400
just for creating A JOB for anyone. You wouldn't believe the types of
tax credits available! There are even tax credits just for people in the
wine business in Missouri. Contact your state Office of Economic Development
listed in the blue pages of your phone book to see what kind of credits
are available to you.
back to top
Lots of Free
Money To Train Your Employees
Almost every state has money to help companies in their state train new
or existing employees. Most of it is in the form of grant money that you
don't have to pay back. States like Connecticut, Tennessee and Kentucky
will give grants from $3,000 to $25,000 to train your employees. Indiana
will go as high as $200,000 in grant money. Wisconsin will pay for 50%
of your training costs. And in Louisiana and Iowa, you can send your employees
to the state's vocational schools and community colleges for free. Virginia
even offers free video production so that you can produce your own training
films. Contact your state Office of Economic Development listed in the
blue pages of your phone book for information about training help for
your company.
back to top
Get Free Lists
Of Your Customers
You can look in the Yellow Pages under mailing lists or marketing consultants
and spend thousands of dollars for customer lists. Or, you can search
the government and find many of the same lists for free or very low costs.
You can even find lists that the experts will tell you are not available.
Did you know that in most states you can get lists of all the rich men
over six feet tall that live in your zip code? Or all the overweight women
who live within walking distance of your health spa? The Division of Motor
Vehicles makes drivers licenses and auto registration info available.
It will cost, but it can be worth it. You can also get a list of all the
new businesses that open up in your area with the name, address, and phone
number of the owners. When a business starts up, they have to register
at the state Office of Corporation. Or how about a list of physical trainers,
sports agents, dry cleaners, lawyers, hearing aid dealers, day care centers,
or insurance agents? All these people have to register with the state
to get a license. Yea for public information! Contact your State Information
Operator listed in the blue pages of your phone book to see where to go
in your state for your mailing list needs.
back to top
60 Places For Women
To Get Help To Start A Business
Sometimes you just need someone to show you the way. The Women's Demonstration
Program has 60 sites across the country where women are trained and counseled
in the skills necessary to launch their own businesses. These sites get
money from the government to offer financial, management, marketing, and
technical assistance to current and potential women business owners. Contact
your local Small Business Administration office to find a site near you,
or contact U.S. Small Business Administration, 409 3rd St., SW, Washington,
DC 20416; 202-205-6673; 800-8-ASK-SBA; {www.sba.gov}.
back to top
Help for Women
to Get 5% of Government Contracts
The Federal Acquisition Streamlining Act of 1994 establishes a 5 percent
government-wide goal for contract awards to small businesses owned by
women. One way the Small Business Administration is helping to ensure
that these new goals are achieved is through the Women-Owned Business
Procurement Pilot Program. Each of the following eleven federal agencies
has designated a women-owned business advocate to act as a liaison. Each
provides outreach, training, and marketing assistance to women-owned businesses.
The Small Business Administration and the liaisons from each of the agencies
meet regularly to assess the progress of the program, resolve problems,
and develop new initiatives. For more information on this program, you
may contact your local Small Business Administration Office, or Office
of Women's Business Ownership, U.S. Small Business Administration, 409
3rd St., SW, Washington, DC 20416; 202-205-6673; 800-8-ASK-SBA; {www.sba.gov}.
back to top
Procurement Pilot Program Contact
Ms. Sharon Harris, U.S. Department of Agriculture, Office of Small and
Disadvantaged Business Utilization, 14th St. and Independence Ave., SW,
Room 1323 South Bldg., Washington, DC, 20205, 202-720-7117
Ms. Janet
Koch, U.S. Department of Defense, Office of Small and Disadvantaged Business
Utilization, Room 2A338, 3061 Defense Pentagon, Washington, DC, 20301,
703-695-1536
Ms. Gloria
Smith, U.S. Department of Energy, Office of Impact, 1000 Independence
Ave., SW, Washington, DC, 20585, 202-586-8383
Ms. Y. Angel
Graves, U.S. Department of Health and Human Services, Office of Small
and Disadvantaged Business Utilization, Washington, DC, 20201, 202-690-6670
Mr. Joseph
Piljay, U.S. Dept. of Housing and Urban Development, Office of Small and
Disadvantaged Business Utilization, Washington, DC, 20582, 202-708-1428
Mr. Joseph
Bryan, U.S. Department of Justice, Office of Small and Disadvantaged Business
Utilization, ARB Room 3235, Washington, DC, 20530, 202-616-0521
Ms. June
Robinson, U.S. Department of Labor, Office of Small Business and Minority
Affairs, 200 Constitution Ave., NW, Room C2318, Washington, DC, 20210,
202-219-9148
Ms. Margie
Wilson, Environmental Protection Agency, Office of Small and Disadvantaged
Business Utilization, 401 M St., SW, Mail Code 1230C, Washington, DC,
20460, 703-305-7305
Ms. Elizabeth
Ivey, General Services Administration, 18th and F Sts., Washington, DC,
20405, 202-501-4466
Ms. Rae Martel,
National Aeronautics and Space Administration, Headquarters, Washington,
DC, 20546, 202-358-0640
Women's
Pre-Qualified Loans Cut Down On Banker Stress
Need
help filling out your loan application package? The Women's Pre-Qualification
Pilot Loan Program was developed to promote the Small Business Administration's
business loan programs to current and prospective women small business
owners. It also provides specialized support and assistance with the agency's
loan application process. This program uses nonprofit organizations as
intermediaries to assist prospective women borrowers in developing a viable
loan application package. The program focuses on the applicant's character,
credit, experience, and reliability - not just her assets. Eligible businesses
must be at least 51 percent owned, operated, and managed by women. The
loan guarantee is for $250,000 or less. The application can be submitted
directly to the Small Business Administration for expedited consideration
of a loan pre-qualification. Currently, this program is available in 16
states. For more information on this program, you may contact your local
Small Business Administration Office, or Office of Women's Business Ownership,
U.S. Small Business Administration, 409 3rd St., SW, Washington, DC 20416;
202-205-6673; 800-8-ASK-SBA; {www.sba.gov}.
back to top
2,000 Productivity
Specialists Offer Free Analysis
Lorrie Browing got help to find the best way to move her homemade beef
jerky business out of her kitchen and into a real facility. A Texas wood
products company turned their $35,000 loss in disposing of saw dust into
a $15,000 profit by selling it as animal bedding for horse stable floors.
The U.S. Department of Commerce has established 70 not-for-profit centers
that will analyze your program and help you determine the best way to
solve your problem. The analysis is free, but there is a charge for follow
up work. These centers have been established to help small and medium
size manufacturers increase their potential for success. They can help
companies cope with a changing environment, decrease manufacturing costs,
or discover ways to use new technology. To identify your local center,
contact Manufacturing Extension Partnership, National Institute of Standards
and Technology, Gaithersburg, MD 20899; 800-637-4634; {www.mep.nist.gov}.
back to top
Money
For Women Running A Taxi Company or the Airline Catering Business
Actually, the money can be used by women in almost any kind of transportation
related business. The U.S. Department of Transportation works hard at
trying to help women succeed by helping them get contracts as well as
offering short term working capital loans at prime interest rates while
working on transportation related contracts.
In
order to help spread the word about these and other opportunities, the
U.S. Department of Transportation conducts trade fairs around the country.
To learn more about these programs, contact National Information Clearinghouse,
U.S. Department of Transportation, 400 7th St., SW, Room 9414, Washington,
DC 20590; 800-532-1169; {http://osdbuweb.dot.gov}.
back to top
Short
Term Lending Program Banks
Cathay
Bank
777 North Broadway
Los Angeles, CA 90012
212-625-4709
States: AK, AZ, CA, CO, HI, ID, MT, NV, OR, UT, WA, WY
Hamilton
Bank, NA
8750 NW 87th Ave.
Miami, FL 33178
305-717-5726
States:
AL, CT, DE, FL, GA, KY,
ME, MD, MA, MS, NH, NJ, NY, NC PA, RI, SC, TN, VT, VA, WV, Puerto Rico,
US Virgin Islands
NAB Bank
4928 North Broadway
Chicago, IL 60640
773-561-2300
States: AR, IA, IL, IN, KS, LA, MI, MN, MO, ND, NE, NM, OH, OK, SD, TX,
WI
back to top
Free
Marketing Help To Get A Government Contract
Need some help marketing your product or service to the government? The
Procurement Assistance Offices are attuned to the federal procurement
process, and can help you draw up a sensible business plan that will be
successful. They can match the product or service you are selling with
the appropriate agency, and then help you market your wares effectively.
Several programs even have online bid matching services. They can obtain
specifications, get your name on solicitation mailing lists, and more.
These Offices are located throughout the country. These offices are partially
funded by the Department of Defense to assist businesses with Defense
procurement. To
find the office nearest you, contact Small and Disadvantaged Business
Utilization Office, Cameron Station, Room 4B110, Defense Logistics Agency,
Alexandria, VA 22304; 703-767-1661; {www.dla.mil}
then to the small business site.
back to top
Free
Help In Buying A Franchise
Franchises
are big businesses in today's marketplace. But before you sign on the
dotted line, learn the questions you need to ask and what the franchiser
needs to tell you. The Federal Trade Commission has several pamphlets
that will help you learn your way through the franchise business. Some
titles include: Before You Buy, Your Legal Rights, and State Disclosure
Requirements. The FTC can also provide you with the Franchise Rule, as
well as information on franchise fraud. For your copies, contact Correspondence
Branch, Federal Trade Commission, Washington, DC 20580; 202-326-2222;
{www.ftc.gov}.
back to top
Small Businesses Can Get Large Contracts
Every Federal government department has an Office of Small and Disadvantaged
Business Utilization (OSDBU) that provides procurement assistance to small,
minority, 8(a), and women-owned businesses. Their primary function is
to ensure that small and disadvantaged businesses receive their fair share
of U.S. Government contracts. These offices are the contacts for their
respective agencies and are excellent sources of information. Contact
the federal government department directly, or for a listing of offices,
contact U.S. Small Business Administration, 409 3rd St., SW, Washington,
DC 20416; 202-205-6673; 800-8-ASK-SBA; {www.sba.gov}
back to top
$2,000,000
To Get Through A Seasonal Downturn
Specialized loan program finances the short-term seasonal increases of
accounts receivable and inventory. Must have a definite established seasonal
pattern and have been in business 12 months. SBA provides a 75% guarantee.
Maturity may be up to 5 years. Contact the office below to be directed
to your regional or local office for help. Contact Maryland Small Business
Administration, Renee C. Sprow, State Director, 7100 Baltimore Avenue,
Suite 401, College Park, MD 20740; 301-403-8300; 877-787-7232; Fax: 301-403-8303;
{rsprow@mdsbdc.umd.edu}; {www.bsos.umd.edu/sbdc}.
back to top
$750,000 For A
Small Business To Fulfill A Contract
Specialized program to help small businesses. Funds may be used to finance
material and labor needs for a specific contract(s). Loan maturity based
on length of contract, but maximum of 5 years. SBA provides a 75% guarantee.
Contact the office below to be directed to your regional or local office
for help. Contact Maryland Small Business Administration, Renee C. Sprow,
State Director, 7100 Baltimore Avenue, Suite 401, College Park, MD 20740;
301-403-8300/1-877-787-7232; Fax: 301-403-8303; {rsprow@mdsbdc.umd.edu};
{www.bsos.umd.edu-sbdc}.
back to top
$150,000 Loans That
Require No Collateral
The SBA authorizes preferred lenders to use mostly their own forms and
procedures to process, service and liquidate SBA guaranteed loans. SBA
guarantees up to 50%, loans under $25,000 do not require collateral. Maturities
are usually 5 to 7 years for working capital and up to 25 for real estate
or equipment. Revolving lines of credit are allowed for a maximum of 5
years. Contact the office below to be directed to your regional or local
office for help. Contact Maryland Small Business Administration, Renee
C. Sprow, State Director, 7100 Baltimore Avenue, Suite 401, College Park,
MD 20740; 301-403-8300/1-877-787-7232; Fax: 301-403-8303; {rsprow@mdsbdc.umd.edu};
{www.bsos.umd.edu-sbdc}.
back to top
$25,000 For Small
Businesses
Economic Ventures is an SBA Intermediary for U.S. Small Business Administration's/SBA
entrepreneurs. Funds can be used for working capital or to purchase inventory,
supplies, furniture, fixtures, machinery and equipment. The maximum loan
is $25,000 and maximum repayment term is 6 years. Contact office below
to determine eligibility. Each Intermediary is required to provide business
based training and technical assistance before loan applications are chosen
and application process started. Contact U.S. Small Business Administration,
Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division,
City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD
21201; 410-962-4392; Fax: 410-962-1805; {Frances.Hensen@sba.gov};
{www.sba.gov/financing/frmicro.html}.
back to top
$250,000
For Women and Minority Entrepreneurs
This loan is targeted towards armed forces veterans, minorities, women,
exporters, rural small business owners in specialized industries. This
program allows SBA to prequalify applicant for a 7(a) loan guaranty before
the applicant goes to the bank. The maximum loan amount is $250,000.00
SBA-designated intermediaries will work with you to review and strengthen
your application that will focus on character, credit, experience and
reliability rather than assets. Maximum maturity is 25 years for real
estate and equipment, 7 years for working capital. Interest rates are
negotiated between lender and borrower and are typically pegged to current
prime rate under SBA maximum. Contact the SBA office for assistance below
to be directed to compatible Lenders. Application available online at:
{www.sba.gov/sbaforms/sbapreqaul2114.pdf}.
U.S. Small Business Administration, Baltimore District, Office SBA, Frances
Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10
S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805;
{Frances.Henson@sba.gov};
{www.sba.gov/financing/frprequal.html}.
back to top
$1,000,000
For Companies Hurt by Defense Cuts
This Program provides financial help to small defense-dependent firms
that have been affected adversely by defense cuts that have diversified
into the commercial market. The loans are from banks but the SBA guarantees
payment to the bank. Loans are guaranteed up to 80%. Loans must be used
to retain jobs of defense workers, create new jobs in impacted communities,
or expand in order to remain national technical and industrial based.
Loans may be used for working capital, acquisition of equipment, raw materials,
inventory, and capital improvements that may include renovation and replacement
of the applicant's physical plant. Maximum financing available is $1.25
million. Used in accordance with the 7(a) or 504 loans and/or other SBA
loans. Terms for 504 loan pegged to and increment above current market
prime rate and for 5-10 year U.S. treasury issue. Terms for 7(a) are 5-10
years for fixed assets. Contact SBA to be directed to compatible lender.
Applications available online at: {www.sba.gov/library/forms.html}.
Contact the SBA office below to be directed to compatible lender. U.S.
Small Business Administration, Baltimore District, Office SBA, Frances
Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10
S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805;
{Frances.Henson@sba.gov};
{www.sba.gov/financing/frdelta.html}.
back
to top
$750,000
To Sell Your Goods and Services Overseas
The loans are from banks but the SBA guarantees payment to the bank. Under
the EWCP, the SBA can guaranty up to 75% of a secured loan (80% on loans
$100,00 or less) or $750,000 whichever is less. Loan maturities may be
up to three years with annual renewals. Loans can be for single or multiple
export sales and can be extended for pre-shipment working capital and
post-shipment exposure coverage, or a combination of both. Proceeds can
only be used for export transactions. Letter of prequalification available
through the SBA. Contact SBA to be directed to compatible lenders. Applications
available online at: {www.sba.gov/library/forms.html}.
U.S. Small Business Administration, Baltimore District, Office SBA, Frances
Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10
S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805;
{Frances.Henson@sba.gov};
{www.sba.gov/financing/frdelta.html}.
back to top
$1,000,000
To Sell Your Goods and Services Overseas
Loan offers long-term funds to small businesses engaged or are preparing
to engage in international trade, as well as those businesses adversely
affected by import competition. The loans are from banks but the SBA guarantees
payment to the bank. The SBA can guaranty up to $1.25 million for a combination
of fixed asset financing and working capital, though the working capital
portion cannot exceed $750,000. Businesses that are eligible are; Retail
and service businesses with annual receipts of less than $3.5 million,
Construction businesses with less than $7 million for special trade contractors;
otherwise, construction businesses with fewer than $17 million in annual
receipts. Wholesale businesses with fewer than 100 employees. Manufacturing
operations classified as a small business with employment contingent on
industry. Loans for facilities or equipment can have up to 25 year term
and may be combined with EWCP loan which has a maturity of 12 months with
2 amendments for max of 3 years. Contact SBA(office below) to be directed
to compatible lender. Check sheet and applications available online at:
{www.sba.gov/library/forms.html}.
U.S. Small Business Administration, Baltimore District, Office SBA, Frances
Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10
S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805;
{Frances.Henson@sba.gov};
{www.sba.gov/financing/frinternational.html}.
back to top
$1,000,000
To Start or Expand A Business
The loans are from banks but the SBA guarantees the loans to the banks.
CapLines finances small businesses short term, cyclical working capital
needs. Under the Caplines guidelines, there are five distinct short term
working capital loans: Seasonal line, Contract line, Builders line, standard
asset-based lines, small asset based line. The loan generally guarantees
up to $750,000.00 and in special circumstances up to 1 million. Eligibility
is based on a case by case basis it is determined by 4 factors: Type of
business, size, use of loan funds, special circumstances. The rate of
the loan is negotiable with lender and can be up to 2.25% over prime rate.
Each five lines of credit's Maturity is up to 5 years, and because each
is tailored to an individuals businesses needs, a shorter initial maturity
may be established. Contact SBA (office below) to be directed to compatible
lender. There are numerous other guidelines, interested parties can either
check online at {www.sba.gov/financing/frcaplines.html}
or speak with contact person listed below, or both. Contact SBA (office
below) to be directed to compatible lender. There are numerous other guidelines,
interested parties can either check online at {www.sba.gov/financing/frcaplines.html}
or speak with contact person listed below, or both. U.S. Small Business
Administration, Baltimore District, Office SBA, Frances Hensen, Chief,
Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street,
Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov};
{www.sba.gov/financing/frcaplines.html}.
back to top
$1,000,000
To Start or Expand A Business
The SBA (office above) guarantees the loans given threw banks and other
lending institutions and private lenders. The 504 Certified Development
Company Loan provides businesses with long term-fixed rate financing for
major-fixed assets, such as land and buildings. A Certified Development
Company is a non profit corporation set up to contribute to the economic
development of its community. CDC's work along side of the SBA and private
sector lenders to provide financing to small businesses. CDC's are listed
geographically online at:
{www.sba.gov/gopher/Local-Information/certified-Development-Companies/}.
Maximum loan is $1.3 million dollars. Rates are pegged to an increment
above the current market rate for 5 year and 10 year U.S. Treasury Issues.
Maturities of 10 and 20 years are also available. Eligibility is as follows;
businesses with a net worth of less than $6 million and does not have
net income in excess of $2 million after taxes for the preceding 2 years.
Loans cannot be made to businesses engaged in speculation or investment
of rental real estate. There are public policy criteria that need to be
met as well, they are explained in the website for the 504 loan itself
and can be discussed with contact listed below for the SBA. Contact your
SBA (office below) to be directed to appropriate and compatible lenders.
Application and instructions for the 504 loans is available online at:
{www.sba.gov/library/forms.html}.
U.S. Small Business Administration, Baltimore District, Office SBA, Frances
Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10
S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805;
{Frances.Henson@sba.gov};
{www.sba.gov/financing/frcdc504.html}.
back to top
$750,000
For Businesses Hurt by North American Free Trade Agreement (NAFTA)
The SBA (office below) guarantees money threw banks and other lenders.
This program is designed to target and help patterns with Mexico and Canada
following the (NAFTA) agreement (North American Free Trade Agreement).
CAIP promotes economic implementation of the adjustment increasing the
availability of flow of credit and encourages businesses development and
expansion in impacted areas. Credit is available to businesses in eligible
communities to create new, sustainable jobs, or to preserve existing jobs.
CAIP works with the 7(a) and 504 programs. There are very specific criteria
listed on the website at: {www.sba.gov/financing/frcaip.html}.
The eligible communities are listed on a website at: {www.sba.gov/financing/saipeligibleareas.pdf}.
Maximum loan maturities in accordance with the 7(a) and 504 program are
25 years for real estate and equipment and 7 years for working capital.
Rates negotiated between the borrower and lender but are subject to SBA
maximums which are pegged to prime rate. Applications available online
at: {www.sba.gov/library/forms.html}.
Contact the SBA office listed below to be directed towards the most compatible
lender and appropriate channels. U.S. Small Business Administration, Baltimore
District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent
Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392;
Fax: 410-962-1805; {Frances.Henson@sba.gov};
{www.sba.gov/financing/frcaip.html}.
back to top
$150,000
With A One Page Application
This program minimizes the amount of paperwork by allowing applicants
to apply using a one page application and relies on strength of personal
credit history and character. Maximum loan amount is up to $150,00.00.The
loans are from banks, but the SBA guarantees payment to the bank. Loans
are guaranteed up to 85%. Applicants must satisfy all lender requirements.
The Lender fills out the front side of a one page application and the
bank fills out the backside. The SBA guarantees to provide an answer within
36 hours. Loans may be used for plant and equipment, working capital and
inventory. Generally, businesses who have fewer than 100 employees and
whose sales average less than $5 million for the last three years can
access this program. Interest rates are negotiable between lender and
borrower, fixed and variable are tied to current prime rate. Maturity
length determined on ability to repay and use of loan proceeds. Typically,
5-10 years for fixed asset loans and variable up to 25 years. Contact
SBA (office above) to help determine compatible lender. Lender list is
shown exclusively by county, online at:
{www.sba.gov/gopher/Local-Information/certified-Preferred-Lenders}.
The forms needed for application are online at: {www.sba.gov/library/forms.html}.
U.S. Small Business Administration, Baltimore District, Office SBA, Frances
Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10
S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805;
{Frances.Henson@sba.gov};
{www.sba.gov/financing/frlowdoc.html}.
back to top
$750,000
To Start or Expand a Business
Loans are available to small businesses that cannot obtain financing on
reasonable terms through traditional lending channels. The loans are from
banks and the SBA guarantees payment to the bank. Loans are available
for a variety of purposes such as real estate, expansion, equipment, working
capital or inventory. The loan itself can guaranty 75% of the loan amount
up to $750,000. For loans of $100,000 or less, the guaranty rate is 80%.
The interest rate will not exceed 2.75% over prime lending rate. Maturities
are up to 7 years for working capital and up to 25 years for fixed assets.
Most businesses are eligible, though determined case by case. It is determined
by four factors; type of business, size, use of loan funds and special
circumstances. Most lenders are familiar with the program. Contact SBA
(office below) to help determine compatible lender. Lender list by county
available online at:
{www.sba.gov/gopher/Local-Information/Certified-Preferred-Lenders/}.
Applications and checklist available online at : {www.sba.gov/library/forms.html}.
U.S. Small Business Administration, Baltimore District, Office SBA, Frances
Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10
S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805;
{Frances.Henson@sba.gov};
{www.sba.gov/financing/fr7aloan.html}.
back to top
$30,000,000
In Venture Capital For Starting Infrastructure in The Baltic Region
This program provides equity investments in the Baltic Region for large
infrastructure projects including power, transportation, natural resource
development and related industries. This program is designed to promote
and facilitate U.S. investment in emerging market economies by working
with private capital to make direct equity and equity related investments.
Investment funds are designed to complement OPIC loan products. Each investment
fund must meet OPIC policy requirements, including impacts on the U.S.
economy and employment. Contact OPIC, William Jarosz, Vice President-American
Intern. Group, 80 Pine St., 14th Floor, New York, NY 10005; 212-458-2289;
Fax: 212-809-3581; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$2,000,000 Medium
Term Loan For Small Businesses To Invest Overseas
This program is designed to facilitate U.S. investment in emerging market
economies by providing medium-term loans and guaranties. The program assists
in the promotion of small businesses, with less than 250 million dollars
in revenue, or entities with less than 67 million dollars in net worth;
and medium-sized businesses. Business development financing is provided
in over 140 nations and emerging nations internationally. OPIC provides
financing for overseas investments that are wholly owned by U.S. companies,
or are joint ventures in which the U.S. sponsoring firm is a participant.
The U.S. investor must have at least 25% equity in the project. Businesses
must be able to repay the loan in hard currency from project cash flow.
A list of all eligible countries is available on the OPIC website. OPIC
lends funds based on individual business needs. Financing can be used
for permanent working capital, fixed assets, and expansion of facilities.
Amortization periods range from 3 to 7 years. Interest rates and guarantee
fees are based on the underlying cost of capital (comparable to U.S. Treasury
notes or other U.S. Government guarantee issues of similar maturity),
and a risk premium of between 2 and 6 percent. The risk premium is determined
based upon an OPIC assessment of the commercial and political risks involved.
For detailed product information, go to the website noted above and click
on the link for products. Contact OPIC, Dr. Cliff Moore, Vice President,
1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866;
{info@opic.gov}; {http://www.opic.gov/finance/home.htm}.
back to top
$6,000,000
In Venture Capital For Starting Telecommunications Services In Central
and Eastern Europe
This program supports equity investments in central and eastern Europe
for telecommunications, services, and retail. This program is designed
to promote and facilitate U.S. investment in emerging market economies
by working with private capital to make direct equity and equity related
investments. Investment funds are designed to complement OPIC loan products.
Each investment fund must meet OPIC policy requirements, including impacts
on the U.S. economy and employment. Contact OPIC, Jamie Halper, TDA Partners,
Inc., 15 Valley Dr., Greenwich, CT 06830; 203-625-4525; Fax: 203-625-4520;
{info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$5,500,000
In Venture Capital For Starting Businesses In India
This program supports equity investments in India for information technology,
telecommunications, and consumer goods. This program is designed to promote
and facilitate U.S. investment in emerging market economies by working
with private capital to make direct equity and equity related investments.
Investment funds are designed to complement OPIC loan products. Each investment
fund must meet OPIC policy requirements, including impacts on the U.S.
economy and employment. Contact OPIC, William H. Draper, 50 California
St., Suite 2925, San Francisco, CA 94111; 415-616-4050; Fax: 415-616-4060;
{info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$9,200,000
In Venture Capital For Starting Businesses in Armenia, Azerbaijan and
Georgia
This program supports equity investments for telecommunications, media,
and other business services in Armenia, Azerbaijan, and Georgia. This
program is designed to promote and facilitate U.S. investment in emerging
market economies by working with private capital to make direct equity
and equity related investments. Investment funds are designed to complement
OPIC loan products. Each investment fund must meet OPIC policy requirements,
including impacts on the U.S. economy and employment. Contact OPIC, Irakli
Rukhadze, CEO-Caucasus Advisors, 31 Milk St., Suite 901, Boston, MA 02109;
617-646-4512; Fax: 617-646-4501; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$9,500,000 In Venture
Capital For Starting Businesses In Central Europe
This program supports equity investments in central Europe for distribution
networks, basic manufacturing, consumer goods, and related networks. This
program is designed to promote and facilitate U.S. investment in emerging
market economies by working with private capital to make direct equity
and equity related investments. Investment funds are designed to complement
OPIC loan products. Each investment fund must meet OPIC policy requirements,
including impacts on the U.S. economy and employment. Contact OPIC, Fred
Martin, President-The Bancroft Group, 251 Brompton Rd., London SW3 2EP
England; 44-20-7823-9222; Fax: 44-20-7589-3442; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$7,500,000
In Venture Capital For Starting Businesses Southeast Asia
This program supports equity investments in light manufacturing, financial,
construction, and telecom services in the following areas: Philippines,
Malaysia, Thailand, Taiwan, and other countries in Southeast Asia. This
program is designed to promote and facilitate U.S. investment in emerging
market economies by working with private capital to make direct equity
and equity related investments. Investment funds are designed to complement
OPIC loan products. Each investment fund must meet OPIC policy requirements,
including impacts on the U.S. economy and employment. Contact OPIC, Ta-lin
Hsu, Chairman-Hambrecht & Quist Asia Pacific, 156 University Ave.,
Palo Alto, CA 94301; 650-838-8098; Fax: 650-838-0801; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$18,000,000
In Venture Capital For Starting Businesses in Thailand, India, Korea And
Others
This program supports equity investments in telecommunications, consumer
reports, and financial services in the following areas: Bangladesh, India,
Indonesia, Laos, Korea, Philippines, Sri Lanka, Thailand, and Vietnam.
This program is designed to promote and facilitate U.S. investment in
emerging market economies by working with private capital to make direct
equity and equity related investments. Investment funds are designed to
complement OPIC loan products. Each investment fund must meet OPIC policy
requirements, including impacts on the U.S. economy and employment. Contact
OPIC, Terrye Dewey, CFO, Olympus Capital Holdings, 153 E. 53rd St., 45th
Floor, New York, NY 10022; 212-292-6622; Fax: 212-292-6644; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$14,000,000
In Venture Capital For Environment-Related Startups In Emerging Market
Economies
This program supports equity investments in environment-oriented sectors.
This program is designed to promote and facilitate U.S. investment in
emerging market economies by working with private capital to make direct
equity and equity related investments. Investment funds are designed to
complement OPIC loan products. Each investment fund must meet OPIC policy
requirements, including impacts on the U.S. economy and employment. Contact
OPIC, H. Jeffrey Leonard, President, GEF Management Corp., 1225 Eye St.,
N.W., #900, Washington, DC 20005; 202-789-4500; Fax: 202-789-4508; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$2,000,000
In Venture Capital For Starting Small Businesses Overseas
This program supports global equity investments in basic manufacturing
and service industries sponsored by U.S. small businesses. This program
is designed to promote and facilitate U.S. investment in emerging market
economies by working with private capital to make direct equity and equity
related investments. Investment funds are designed to complement OPIC
loan products. Each investment fund must meet OPIC policy requirements,
including impacts on the U.S. economy and employment. Contact OPIC, Cabell
Williams III, President-Allied Capital Corp., 1919 PA Ave., N.W., Washington,
DC 20006; 202-331-1112; Fax: 202-659-2053; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$16,000,000
In Venture Capital For Starting Manufacturing Businesses In India
This program supports equity investments in India for consumer goods,
basic manufacturing and related industries. This program is designed to
promote and facilitate U.S. investment in emerging market economies by
working with private capital to make direct equity and equity related
investments. Investment funds are designed to complement OPIC loan products.
Each investment fund must meet OPIC policy requirements, including impacts
on the U.S. economy and employment. Contact Michele J. Buchignani,, Managing
Director, CIBC Oppenheimer Corp, World Financial Center, New York, NY
10281; 212-667-8190; Fax: 212-667-4468; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$14,000,000
In Venture Capital For Starting Agriculture Related Businesses in The
Baltic Region
This program provides equity investments in the Baltic Region for agriculture,
food, firms, infrastructure projects, privatizations, food storage, and
distribution. This program is designed to promote and facilitate U.S.
investment in emerging market economies by working with private capital
to make direct equity and equity related investments. Investment funds
are designed to complement OPIC loan products. Each investment fund must
meet OPIC policy requirements, including impacts on the U.S. economy and
employment. Contact OPIC, Robert Peyton, President-America First Companies,
1004 Farnam St., Omaha, NE 68102; 402-930-3060; Fax: 402-930-3007; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
$3,000,000
In Venture Capital For Starting Businesses In Sub-Saharan Africa
This program provides equity investments in Sub-Saharan Africa for mining,
manufacturing, telecommunications, energy and financial services. This
program is designed to promote and facilitate U.S. Investment in emerging
market economies by working with private capital to make direct equity
and equity related investments. Investment funds are designed to complement
OPIC loan products. Each investment fund must meet OPIC policy requirements,
including respecting impacts on the U.S. economy and employment. Contact
OPIC, Joe Jandreau, Managing Director, 45 Glastonbury Blvd., Glastonbury,
CT 06033; 860-633-9999; Fax: 860-682-6464; {info@opic.gov};
{http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
back to top
Insurance
Against Political Violence For Businesses Investing Overseas
This program is designed to promote and facilitate U.S. investment in
emerging market economies. Specialized insurance programs protect businesses
against the loss of assets or income due to war, revolution, insurrection,
politically motivated civil strife, terrorism, or sabotage. The insurance
also compensates for property and income loss. Insurance under this program
does not cover loss due to labor strife, or student unrest without a political
objective. Rates vary from .20 per $100 of coverage to .70 per $100 of
coverage depending on the entity requesting coverage. Contact OPIC, Dr.
Cliff Moore, Vice President, 1100 New York Ave., N.W., Washington, DC
20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov};
{http://www.opic.gov/insurance/home.htm}.
back to top
Insurance
Against Expropriation For Businesses Inve |