_—_—S— Fro! Borchert, Frank R. Sent: ‘Tuesday, June 12, 2007 9:20 AM To: Sundberg, Susan L; Clowes, Julie A. cc: Kong, Stephen D. This one sounds like quite a co-sponsorship. ‘Trump University and the U.S. Small Business Administration to Cosponsor a Breakthrough Educational Program ‘HOW TO Start a Business on a Shoestring Budget” ‘Trump University, The Leading Education Company in Real Estate and Entrepreneurship and the SBA Cosponsor a New Interactive Education Initiative to Encourage and Teach Entrepreneurs — Appointed SBA Officials Personally Share Expertise With Students NEW YORK, NY - June 11, 2007 - Trump University and the U.S. Small Business Administration join forces to launch a free new course, How to Start a Business on a Shoestring Budget It is geared towards empowering aspiring ‘entrepreneurs to master the essential steps to planning and executing a business idea, as well as how to tackle challenges with a minimum of outside resources and a maximum of creativity and entrepreneurial spirit. Founded by Donald J. Trump in 2005, Trump University offers instruction in entrepreneurship, marketing, management, real estate, investing and wealth building. Its faculty-Mr. Trump himsef, joined by professors from major universities and successful entrepreneurs from many business sectors - presents courses in formats that include weekly instructor-led online classes, ‘webinars as well as self-guided e-learning courses on CD and DVD. To access the Trump University/SBA cosponsored source, visit wwnw.sba.govitraining, and view the free online courses under the category, "Starting a Business.” For more information about courses available through Trump University, visit hhttos:/Avoww, trumpuniversity com/join/promo3.cfm?productCode=en003. "| expect the collaboration of Trump University with the SBA to provide our students with the optimum of expertise needed to start their own businesses, said Donald Trump. “Entrepreneurs and hopeful entrepreneurs will find essential information and guidance readily available to them, It’s a dynamic combination and the results will be terrific.” ‘This cosponsorship brings to the surface a great new opportunity for Trump University students. Several SBA experts helped develop How to Start a Business on a Shoestring Budget, bringing many years of experience and a broad range of expertise to the course. Following Trump University's ‘learn by doing’ motto, students who participate during the course wil learn to take @ business idea from concept to launch, with a minimum of outside resources Commonly referred to as “bootstrapping,” starting a business with very litle capital is not only possible, it can be extremely rewarding, Students will have the chance to earn a significant return on a minimal capital investment. The process of launching a business from nothing can demonstrate what it takes to be a successful entrepreneur, and the knowledge and experience they will gain can turn into other, bigger ventures. Students will lear to harness talents and creativity and direct them at the right kind of challenge, anaiyze business opportunities by doing low-cost market and industry research, and use inexpensive means to learn about their customers and competition. ‘Throughout the course, four experts from the SBA will share their expertise and experiences through video clips. At several points during the course, students will be asked to help fictional entrepreneurs make decisions as they launch their small businesses. SBA officials contributing to this course are: William Manger Jr, regional administrator of the SBA’s Region Il, Cheryl A. Mills, former associate deputy administrator for SBA's Entrepreneurial Development, Herb Winkler, a New York-based SCORE counselor (the SCORE “Counselors to America’s Small Business” is an SBA resource partner providing counseling and training to aspiring and established entrepreneurs) and Martin R. Lehman, another New York-based SCORE counselor.Ryan JonesTUC Friday, September 21, 2007 4:24 PM Allen, Gary T ‘TRUMP UNIVERSITY THE TRUMP UNIVERSITY SCHOOL OF REAL ESTATE September 19, 2007 GARY ALLEN, \Whatifyou had the opportunity to it the streets with someone as experienced in real estate investing as Donald J Trump? 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If you are not the intended recipient you axe hereby notified that any @issemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this message in error, please notify us inmediately’ by replying to the message and deleting it fron your computer. Messages sent to and from us may be monitored. Internet communications cannot be guaranteed to be secure or error-free as information could be ntercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. Therefore, we do not accept responsibility for any errors or omissions that are present in this message, or any attachment, that have arisen as a result of e-nail transmission. If verification is required, please request a hard-copy version. Any views or opinions presented are solely those of the author and do not necessarily represent those of the company.—_——— Trump University Monday, September 24, 2007 1:53 PM Brown, David J. Trump University: Enrollment Confirmation September 24, 2007 Dear Davia, Welcome to Trump University! This is to confirm your enrollment with login name: david. brown@sba.gov Now you can start learning how to create your own personal fortune, with the direct guidance of Donald Trump, AAs an introduction to the Trump University curriculum, we invite you to purchase a remarkable audio/video course available exclusively from Trump University For the first ime ever, Donald Trump has created a complete eight-week course on how to get rich. How to Build a Fortune is an audio and video course with a step-by-step program for transforming your financial future, Trump-style Donald Trump gives you the big picture in an exclusive, in-depth DVD interview and an inspiring hour on CD. His team of six handpicked experts get into the details required to build your foundation for wealth. With the accompanying CD-ROM, you get a richly-detailed workbook with the precise action steps you can take to transform Donald Trump's powerful knowledge into real- world results. ‘And when you purchase How to Build a Fortune, you are also entitled to @ 12-month ‘supplemental online course in wealth creation at Trump University, taught by Donald Trump and hhis mastermind team. With additional teleseminar, ongoing discussions, and special reports, from Donald Trump, this course alone is worth many times the price of the product. ‘My guess is that when you find out how we have priced the introductory offer for this remarkable program, you will be excited and pleased. This is a program that we want you to have for yourself as an introduction to everything else Trump University can do for you. Return to the site now to get started lal h To your success, Michael SextonPresident Trump University PS. Your introductory offer for How to Build Your Fortune will not last long, Please act now to secure your copy ‘To ensure that you continue to receive emals from us, add noreply@trumpuniversity.com to your address book today, ‘You ate receiving ths email fom Trump University because you subscribed on our website, made a purchase. or \were otherwise in contact with us. Thank you for your patronage: If you would rather not receive these emals, you ccan edit vour email preferences. ‘Trump University, 160 Greentree Drive, Suite 101, Dover, Delaware 19904——— From: connor, James M. Sent: Wednesday, October 17, 2007 8:28 AM To: Cullum, Patricia H. ce Quinn, John M. Subject: RE: SBA University - Entrepreneurial Development Module Attachments: sbtn - sbau.ppt glad to....thanks. jim From: Cullum, Patricia H. Sent: Wednesday, October 17, 2007 8:18 AM To: Prakash, Anoop; Quinn, John M.; Cconnor, James M.; Goldstein, Wilma; Doss, Antonio; Thrasher, Ellen M.; Smith, Jean Z. ullum, Patricia H ‘Subject: SBA University - Entrepreneurial Development Module Good Morning, Ihave been working with Gary Cook and Kirk McElwain on the development of the SBA University Web site, We are planning on collecting as many presentations as possible directly from the instructors so that Kirk can download them into the website. Could you please send me your materials, PowerPoints, etc. electronically so that | can provide a complete package to Kirk for the website? Ifyou have any questions, please let me know. Thanks and have a wonderful day. Patty Cullum Office of Field Operations (202) 205-6999 Fax (202) 481-4823No) FA PRs SINAN ASSENT OL ASM a) MAS | juswdojaaag |Dlinoueidasjuq $9 S9144O pe ASeo) F UKM) PFCH ole Mor- Ve LoLo Mil VAM ole [oL-yim of) eXUL-) «| Ey Loess JO SalwoUore SASIYID PUD selouDpUNps Ssonpey Aauow Sans PATOL SrolEue- Blo] i iavtU-)] ele -Blol ie -LeT_Tey UOISUdLUIP D1UO4JDa/9 SWqsS pubdxy Troy WAWEeLe IU LoP NMETV @)$901NOS aI/diyjnwW WO14, padojaAep sasino> SoIdO} BS4NOD PalIDA *9 sNoOJBWNY App yoda suoypajsi6as jualj> +007 VA Aas) sasinoo (paiinbe-uoljp44si6a1) Suljuo 894} 7 Tal oy WSIS EB NE RssFUESSTVEYoT TUT OAV TDs a2J9WWOD-4 LeTOIETUEYN oh Abc o]e E> BL oM Lol H eV ol (e]iFefosF lol UL TVITEL-V\\ol-9) sTULTeNt-lolole lo MEST LUE TaN| LXV Tele L oy Bestel Taye] ESS WWI Ere Mod sl U Peles sy ek P hy mre colo mc >.TSN Te MeL PIE crt Mellor) $@s1n02 pesosuods-o0> Se RCS UIA AE SOSINOD JOUJIDg BdINOSOY SUIDADOIg SOUDISISSY JOISDSIG O} SPING) ‘A1BAOIOY JOISOSIG Wp1bO1g JuUsUdojaAeq ssouisng (DN)g OF SPINS) *LHOISNI SIE PSU ale [oltels suopoiddy :N1gSUOIJa|dWOD 4O sajorifI14985 Ex-oJFH CoM IBC oll LUO MEEBO fetsmtoy LOB PEI ED] sup|d Buluinsy yualjo paziwojysn> PXSSIUICa1 Io BLO} Co) WA oTOED MTOy WEN] WbIbOIg UDOT] ssaidxq AyUNUIWIO> $]00} JUSLUSSassD jUdI|> SUl|UD suoHpoi|ddy :N1gs(SW) weisks jusweBoOUDW BuluiDe7 SOJNIIJ99 UOIJa|dWo> Teo} ol n oy MeL NI ip) suoljn4jsibe1 jual|> SuljuUG anjo, Bulinsoaw :NIgsLITT S IVAN Mole YAY WVaN IOMION BululD4] SUIUD SVS JISIA——_——— From: Pontillo, Larry J Sent: Monday, November 26, 2007 11:50 AM To: Asian Women In Business Subject: RE: Asian Women In Business workshop Attachments: onepagersba2.doc; QUICK REFERENCE GUIDE 7-07 doc; Marketing Doc New 6.doc; Online training free doc Sua As per our telephone conversation here are the handouts | usually use. Lary Lamy 9. Doutille Business Development Specialist Now York District omice For a Business Resource Guide on line go to http://www.sbaguides.com/ (Web) www.sba.gov (web-en espanol) www negocios cov The MY BIZ for Women Web site can be found at http://www.SBA.gov/women. To subscribe our newletter Ins he New York Disiot lee go to it web sba aovist From: Asian Women In Business (mailto:info@awib.org] Sent: Wednesday, November 21, 2007 12:15 PM To: Pontillo, Larry J. ‘Subject: Asian Women In Business workshop Hi Larry: How are you? Since you've not called about a speaker change, | assume you'll be representing the SBA at our November 26" (Monday) workshop on “Financing & Insurance’. Please note the location - 16 East 34" Street, 8" Floor, (btw 5" & Madison Ave) ~ from 6:00 to 8:00 pm. Will you be bringing any handouts or do you need us to print anything? If you're bringing material with you, please note that there are 32 registrants as of today and we may get @ couple more by Monday. By the way, could you send me your phone number? If you have any questions ~ you can call me at 212.868.1368 — I'm not in the office Friday but will be in on Monday, Look forward to meeting you Monday evening. Suja Rao Asian Women In Business 358 Fifth Avenue, Suite 504 New York, NY 10001 T: 212.868 1368, F242 868 1373 info@awib org www awib orgontill, Larry 3. [mailto:larry.pontillo ‘Sent: Wednesday, November 07, 2007 2:43 PM To: info@avab.ora Subject: Power Point presentation Suja Here is the Power Point. Let me know if you need anything else. «Public SBA PS-Sept 30 2007.ppt>> ‘Thamks, Larry Lamy 9. Pontille Business Development Specialist New York District Office For a Business Resource Guide on line go to http://www.sbaguides.com/ (Woo) meat. aay ties rac) cena The MY BIZ for Women Web site can be found at http://www.SBA.gov/ women. To subscribe to our newsletter, Inside the New York District Office, go to http:/web.sba.govilistU.S, Small Business Administration Need money to start or expand your small business? Try the SBA’s CommunityExpress Loan Program. Recut eee ed ‘The SBA recognizes that many segments of the small business community continue to have difficulty in accessing capital from traditional lending markets. These businesses are generally newer, smaller businesses that need small size loans and equity investments. They are often comprised of small businesses owned by minorities, women, and veterans and by businesses located in Low and Moderate Income urban and rural areas. The SBA developed Community Express for these businesses. Under The Community Express Loan Program, designated lenders are authorized to make quick loans to target businesses. The SBA’s New York District Office participating lenders currently offer loans of up to $50,000. The SBA recognizes Technical Assistance as often crucial to the success of these businesses. As a result, the Community Express program includes a specific technical assistance component. Borrowers must receive pre- and post-loan closing technical and management assistance from participating Technical Assistance providers. These TA providers work to make the applicant as attractive to participating lenders as possible. The process begins with the identification of qualified and committed TA providers. The focus then shifts to the Community Express applicant and the TA provider's development of a business plan (as appropriate) and an assessment of the applicant's management and technical assistance strengths and weaknesses. Borrowers must receive pre- and post-loan closing technical and management assistance from local non- profit providers and/or from participating lenders, with that assistance coordinated, arranged and, when necessary, paid for by Community Express lenders, Community Express lenders may also consider this technical assistance as a collateral enhancement ‘SBA is continually looking to add qualified TA Providers in order to improve access to the program. Those interested in applying to become a Community Express TA Provider should call 212-264-9494 to obtain an application. Who is eligible? Business owners in low to moderate income areas: Minorities Women Veterans Loan features Loan amounts of SSK to $50K No or low collateral required Quick turn around Minimal paperwork What can loan be used for? Purchase of equipmentimachinery Working capital Expansions Purchase of inventory, & more. For additional information, please contact any of the approved Technical Assistance providers listed on our Wob Site at http://www.sba.govilocalresources/districtiny/ny/financinglindex.htm| and click on the Community Express link or call the SBA Marketing Division at 212-264-9487‘Cursos en Espatol * NEW COURSES: Note new starred courses provided by the PA $BDC at Kutztown University, South-West Texas SBDC, Maine SBDC, and ‘Trump University ISTARTING A BUSINESS SESS 41. The Beginning: Developing a Successful Business Plan 1. Howto Write a Business Pian * 2) Howto Siar a Business ‘Trump University 3. Staring Your Small Business* Business Plan Workshops 4, Business Plan Worashops (Creating a Svategic Plan 5. Identify Your Target Market Business Plan Templates 6. Hot Sho! Business Simulation - for Young Entrepreneurs Strategic Pianning & Execution * PA SBDC - Kutztown University SUSIE Managing the Digital Enterprise 2. Analyze Profitability 1. ‘Steps to Accessing Contracts & Subcontracis 3. Developing a Successtul Business Plan 2. Guide to Government Contracts 4° Business Plan Workshops 5 in Sratea 6. Valunga Business SERIES 7 Maintaining an Agile Company * eee 1. E:Leaming Center from the SBA and The Harford! (En Espafol 2 Computer Secunty Ge 3. Surviving Beyond Disaster Webinar +. How to Find Start-up Funding * SES ‘Trump University 2. Assessing Financial Needs * uth! Texas 1. Bling Yourwebsite- 3 Getto Sout. WestTexss S80 4 Accounting 101: The Fundamentals * 2 Managing the Diaital Enterorise PA S8DC - Kutztown University EES 1. ultea Your Bang 2 apoio ee + Bala ooo 3 mand ae 3 emi Yucca at teen oe 2 pean ror eu eaten teat < Eamets SR eS oar Eapanay & Giatulaat a Masai eee * famines? PA SBDC ~ Kutztown University 1. Retirement Pianning Ls OTT acs 4. Inttoduetion to Environmental Statistics — EPA 1. Assess your Intemational Risk 2. Trade Mission Online 3. Primer on Exporting 4, International Business Opportunities http:/www.sba.gov/services/training/onlinecourses/index.htm!QUICK REFERENCE TO SBA LOAN PROGRAMS (07/12/07) a ata a [rors TT , : a i ny | are TREAT | EET For” | paca | coaieon nmr’ | eeargrant | Tyeenae” | Gounctoaneny noun | metab sce fear iy | eeomaiess”” |\cobtaamt’ | glare, | Seectelatorte: | Seaemeaee REAL —Tarsomee |S? | Souideee”® | aelete’ | Pumcorn: | sutyertueatitner | pence Te loc [Sateen [tae |terceet |aamecene | cannes Exo | ceeecerres | Seoneasw | Eves | Sign bth = ton: | stain sy Fant | onetearen: | nate |erene | Seemtn | attest See | ees | Sousa eh | Sueaute |Siiterswsmrinam | west ieee Sieecionwe | Nae zaes | sa Sepia st caren oeptean Seta ae oon an Soeur innaares | em SR REST a | iin ag eal ce Eecrerees | sam ceawworyar [sort [memes | sore se een faspetontn eK. creer Ceo | bite Sa Se ame — ra [haben reg —] Bray ——[ na ea a =a i tauren | weclont nb er Sonne Sige fae | Saapet tent | oxen Sisteoo, | Someta | oes s | See od Settee | test ar es — a —T aos | BTN —— Sas] ST aa Tare | mesenteric vaoore keer em | tase toate canst Hato. | foretetay | menegaed = | — ean] ron Tea naa anne Gems [7% |trcomutintint | urtasyen wn | sorta tere foe irigiearene Sec attr | soul | Stunt tbr a tae |eee | ee cee mH” | Sims | Sze ncn nyt need Kents [oo | ccaereauen Soon ome) Semana coer Monson i Epatoaing — [itor |W eRe rg aT TRS tees CoadPmpen | [ture | stint | ortronews |iwemcnteen [toon | omer tara creas |Gree | ‘sot ee Tei to Xero: | Sern | sors wea! paar ouonee canoe Boe ieeTaliens ae eae es | Soe — peer pe ry trovsman | fee Conalmmomes: [pene | emeny a Sansa | Gera foresee” | sax ee cance Sees | Sew Sabrina bel Sioes Sloe | Rae anata a | TAT TT Hera TE aoe | area Pomsttog | mae [tiem | uteaegareng * [jew | carom |ponstanenwareet | tammame co fron” |Sniary | incite | [ae Saas” |lameameage | fawrege Somcemon | onion | aon” | wrentcncans a | tgaromng | cigtne | svat Onectiny | ters ete Ccmertstoocy | Fare” | Lowen | Erponsen” | Meienerloe | ir Secny | Etmamseeeany | tnemese ee Seton [Gin [ame | iecemipeen| cea” | peor” |emtccmtate’ | fermi mse Sowing [SRY | eaten ae BSCi. |Eeecteee | cancer b See eer me eeece eR nm ant From: Byme, Dennis €. Sent Wednesday, January 02, 2008 3:40 PM : Byrne, Dennis € Subject: 26 Prepared SBA Stories for the New Year Editor: For the New Year Hear are 26 stories about various U.S. Small Business Administration products and services of interest to small businesses or those wanting to start a small business. Please consider one, two, three or run alllin an ongoing series Cf interest to your readership. > 25 Colmes Zppedi-2-08.2 Sincerely, Dennis Dennis €. Byme Headquarters Office of Communication and Public Liaison (OCPL) USS. Small Business Administration Office 202-205-6567 Cell 202-657-9722 dennis.byme@sba.gov www.sba.aov To receive Breaking Small Business News, information and important alerts from the SBA, simply click here and sign up - www sba gov/sbanewsalerts/ee Newman, Robert 8. ‘Wednesday, January 02, 2008 4:36 PM rsmith@siplorg wilsonkr@missour edu: carl-t@mindspring.com; lynnes@agracehill org; Blum, John F. Guttmann, Patricia L; Bayer, Merry R. Subject: FW: Possible partnership with STL Public Library Ms. Smith, ‘Thanks for the response. The U, S. Small Business Administration (SBA) is a federal agency, with offices in every state. The SBA district office in St. Louis serves the eastern half of Missouri. In addition to guarantying loans by commercial lenders; the SBA funds a large portion of the Small Business Development Center (SBDC) system, which is ‘administered by the University of Missour' in our state; sponsors the SCORE Association (formerly known as “Service Corps of Retired Executives’), operates the Dynamic Small Business Search tool used by contracting officers to find small businesses interested in selling goods or services to the federal government and large business, and serves as an advocate for small business with federal agencies. Here is a list of SBA programs and services, and the organizations the SBA sponsors or works closely with: 1. The Small Business Development Center in the City of St. Louis: Here - http://www. missouribusiness.net/sbdc/index asp is a link to the homepage for the SBDC system, which has an office at 100 North Tucker Boulevard in the City of St. Louis, Missouri. The SBDC provides one-on-one counseling to thousands of entrepreneurs and small business overs every year atno cost. The SBDC does charge a nominal fee to attend the workshops itholds from time to te 2, The SCORE Association in the City of St. Louls: Here - http aww stlscore oa! - isa lnk to the homepage for the SCORE Chapter located at 200 North Broadway in downtown St. Louis that serves most of eastern Missouri. SCORE provides one-on-one counseling to thousands of entrepreneurs and small business owners every year at no cost. SCORE does charge a nominal fee to attend the workshops it holds from time to time 3. Grace Hill Women’s Business Center Here - wiw aracehill org ~ is alink to the homepage for Grace Hil Women’s Business Center located at 2600 Hadley in the City of St. Louis. 4. United Statos Export Assistance Center (USEAC) Here -hito:/vnw. export cov! -is a link to Export Gov, the homepage for the USEAC. Though located in Clayton, the USEAC is 8 joint effort of the U S Department of Commerce, Export Import Bank of the United States and the U S Department of Agriculture, te SBA one other federal agencies. Its mission is o inerease the amount of American-made goods and services being exported to foreign countries. Since the USEAC is staffed by federal employees, much of the assistance provided is free of charge 5. 8"! and Small Disadvantage Business (SDB) Development Programs Here - Dif www sba gov/aboulsbalsbaprograms/Babdiindex him - sa ink to the webpage for SBA's office of €(a) and ‘SDB Business Development Programs, which enables cisadvantaged small Businesses to compete more effectively with large and non-disadvantaged small businesses for federal contracting and sub-contracting opportunities. There is no charge for a person to work with employees of the federal government (including SBA) to find out how to become 8(a) and SDB certified. 6. Historically Underutilized Business Zone (HUBZone): Here - http’//map sba gov/hubzone/init asp - is a link to 3 webpage that enables someone fo find out whether ~ or not - their small business is located in a HUBZone. A significant part of the City of St. Louis has been certified a HUBZone community. If itis, the business may be siigiale for HUBZone certification, which could provide advantages ifthe business has products goods and Services ~ bought by the federal government. Here -httos //eweb i,sba.govihubzone/internevindex.cfm - 6a link to 2 webpage that provides more information on the HUBZone program, and what ican do for the City of St Louis 7. SBA’s Dynamic Small Business Search (DSBS) too!: Here - http /idsbs sba,govidsbs!searchidsp_dsbs.cim - is a link to SBA’s Dynamic Small Business Search tool. This tool is used by federal contracting officers to find small andior disadvantaged businesses listed in the Central Contractor Registration (www cct gov) who want to sell goods or services to the federal government. A quick search using the DSBS listed the 636 Cily of St Louis- based small businesses registered in the COR on January 2, 2008. Since the CCR is run by the U § Department of Defense, isting in the COR is free.8 SBA's ness Trainir rk Here - http://w. sba.gov/servicesitraining/index.htm| - is a link to SBA’s Small Business Training Network, which offers free Internet training. Here - htp:/www.trumpuniversity com/programs/sba/en001 cim?¢ ~ sa link to an example of a free class, called “How to write a business plan’ offered by Trump University, Perhaps a series of St. Louis Public Library lectures, with representatives from SBA and the above organizations, speaking about how to start or expand a small business, export, do business with the Government, and other topics would be of interest to entrepreneurs and small business owners in the City of St. Louis. The lectures would be free and focus ‘on general information. If you are interested | will begin work to put together a proposal ‘Thank you. Bob Newman Senior Area Manager for Northeast Missouri U.S, Small Business Administration 801 Broadway, Room 116 Hannibal, MO 63401 636-358-5941 - cell phone 573-406-0134 - voice 573-406-5684 - fox robert newman@sba gov- e-mail Entrepreneur's web site: www.sba.gov Lender's web site: www.sba.gov/banking ‘SBA's Notional Lender Guide: www.sba.gov/banking/lenderguide htm! From: Smith, Rachel E. {mailto:rsmith@sIpl.org] Sent: Wednesday, December 19, 2007 3:21 PM To: Newman, Robert B. ‘Subject: Possible partnership with STL Public Library Hello, Mr. Newman, ‘Thanks for your email, We are interested in hosting you for some workshopsilectures regarding business matters for entrepreneurs. What time of year are you thinking of? We are planning for June and beyond. As long as there is no promotion of the SBA, but rather just an informative session for patrons, than that would be fine Do you charge a fee? Thanks again for contacting us. My best Rachel Rachel Smith Program Coordinator St Louis Public Library 1301 Olive St St. Louis, MO 63103 314-208-6779, www siplorg— Temkin, Richard Tuesday, January 15, 2008 4:28 PM Gase, Catherine A FW: News Release 07-41, “Dated: July 9, 2007" News Release 07-41.doc Could do something on this for the newsletter; possibly as part of a piece on on-line training that we have Richard Temkin District Director From: Administrative Information Branch Sent: Monday, July 09, 2007 1:02 PM Subject: News Release 07-41, "Dated: July 9, 2007" ‘SBA and Trump University Launch Innovative Online Trai ing Course for Entrepreneurssnes Administration DD 2X News Release PRESS OFFICE, Release Date: July 9, 2007 Contaet: Cecelia Taylor (202) 401-3059 Release Number: 07-41 Internet Address: hittp://www-sba,gov/news SBA and Trump University Launch Innovative Online Training Course for Entrepreneurs WASHINGTON - The U.S. Small Business Administration and Trump University have teamed together to develop a new free online training course on How to Start a Business on a Shoestring Budget, designed to help entrepreneurs understand how to take their small business ideas to market despite limited outside resources. ‘The SBA and Trump University have combined the best that each organization offers, bringing together a vast array of resources, information and experts to guide students through the essentials of planning and executing a business idea by bootstrapping, a common method used to minimize the amount of outside debt and equity financing needed from banks and investors. How to Start a Business on a Shoestring Budget is a self-paced course available through the SBA’s Small Business Training Network, a virtual campus of business courses, trainings, education resources, Ieaming tools and information assistance at www.sba.gov under the “Training” icon. It is a creative training experience and interactive assessment tool that features fictional entrepreneurs ‘who are engaged in raising money for their small businesses, while the student entrepreneur provides advice on how to help evaluate readiness for starting a business. An added highlight is the availability of “Ask the experts” video clips, which are strategically featured throughout the course. “We are pleased to work with an experienced leader in online education,” said SBA Administrator Steven Preston. “The cosponsorship with Trump University is an inventive partnership that provides the best in small business resources to students of entrepreneurship, while offering a unique opportunity to learn about one of the most challenging areas of starting a small business— business financing.” The course helps to evaluate eight key areas of business start-up on a shoestring, including what it takes to make something out of nothing, market research for the budget minded, budget branding and what to do when you outgrow your bootstraps The SBA’s Small Business Training Network at www.sba.gov/training offers a range of online business training and counseling tools to assist entrepreneurs with business start-up, from developing marketing strategies to effective employee management. It also provides valuable information for existing small business owners. The training network is an easy-to-use tool that provides 24-hour access to business courses via the Internet. -more-Page 2 / Release 07-41 About the SBA: ¢ U.S, Small Business Administration is the nation’s largest financial backer of small businesses. ‘The SBA’s programs and services help business owners start, run, and grow their businesses, and provide a range of financial, technical, and management assistance. The SBA also plays a major role in the government's disaster relief efforts by making low-interest recovery loans to both homeowners and businesses. America’s 25 million small businesses employ more than 50 percent of the private work force, generate more than half the nation’s gross domestic product, and are the principal source of new jobs in the U.S. economy. About Trump University Trump University, an online educational institution, has been teaching its thriving community of members everything from real estate investing, marketing, entrepreneurship skills and business planning, to management, wealth creation, and many other subject matters that appeal to aspiring entrepreneurs and business professionals. SBA’s participation in this cosponsorship does not constitute an express or implied endorsement of the views, opinions, products or services of any cosponsor or other person or entity. All SBA programs, services and cosponsored activities are extended to the public on a nondiscriminatory basis. Cosponsorship Authorization #07-7630-02. aed—_—_— connor, James M. Thursday, January 31, 2008 8:46 AM Walthall, Susan M; Manger, William M. ‘connor, James M RE: Trump U Bill, Mike's contact information is below. FYI -- 3,299 clients have taken the Trump co-sponsored course since 10/1/07. Thanks. Jim Michael W. Sexton ‘Trump University 40 Wall Street New York, NY 10005 hitouhwnw.trumpuniversity.com Phone: (212) 248-1800 x101 Fax: (212) 248-0782 msexton@trumpuniversity.com From: ‘Walthal, Susan M. Sent: “Thursday, January 34, 2008 8:21 AM To: Manger, Wiliam M. ce: ‘connor, James Subject: RE: Trump U ‘Thanks, Bill | just spoke to Jim and he'll send you the number. Appreciate your help on this, From: Manger, William M. Sent: Wednesday, January 30, 2008 9:19 PM. To: Walthall, Susan M. Subject: RE: Trump U As discussed, I'l make the call. | just need the number of Michael Sexton at Trump U. from O'Connor. Sent: Wednesday, January 30, 2008 6:25 PM To: Manger, William M. Subject: Trump U Hey Bill... did we decide the other night that you could or couldn't help with a person to contact re the Donald?ESS From: Thompson, Carol L, Sent: Thursday, January 31, 2008 9:48 AM To: misstwhite@aol.com; anike edmonds coates Free Online Business Courses. The Small Business Training Network (part of the SBA) isa virtual campus providing quality and targeted online training to meet the information needs of prospective and existing small business owners, Browse the list of free ‘online courses to see what's available, One of their newest offerings is How to Start a Business on a Shoestring Budget, developed in conjunction with Trump University Carol £. Thompson Assistant District Director/Business Development ‘US. Small Business Administration Mlinois District Office (312) 886-0833SS eee Boorman, Jane A. ‘Thursday, February 21, 2008 1:19 PM Rudy Sutherland, Boorman, Jane A. RE: SBAl Continuing Education for Entrepreneurs thru MIT; bhttp://ocw.mit edu/OcwWeb/web/home/home/index.htm Rudy: Here are the basic rules for cosponsorship as found in the Code of Federal Regulations: http //ecfr.qpoaccess govicai/itexttext- idx2o=ectr&sid=4ccb5f244c47ce361575a3 1 e1f5365aearan=divS&view=text&nc 1.0.1,1.58idn0=13 ‘There is also an OUTREACH STANDARD OPERATING PROCEDURE, 90.75.3 which can be viewed at htto:/www.sba.govitools/resourcelibrary/sops/index html -- It’s near the bottom of the list. You will note that material produced under a cosponsorship must be unique to the cosponsorship ~ developed jointly by ‘SBA and the cosponsor. It cannot be previously produced material Because of projects already underway and lack of staffing, itis unlikely that my office will be undertaking any new cosponsorships this year. Jane Boorman rudy sutherland@aljucar.com) Sent: Thursday, February 21, 2008 10:04 AM To: Boorman, Jane A. Subject: RE: SBA| Continuing Education for Entrepreneurs thru M http://ocw.mit.edu/OowWeb/web/home/home/index.htm, February 21, 2008 Jane| yes, we have an agreement to utilize their content. Can you please send me a copy, or point me in the direction of, you co-sponsorship rules? Rudy Sutherland, MBA| Managing Director rudy sutherlang@aliucar.com ‘713.893.0716 Houston (HO}| 202.470.3257 Washington DC| 312.239.0524 Chicago “excellence... I's in our DNA’ From: Boorman, Jane A. [mailto:jane.boorman@sba.gov] Sent: Wednesday, February 13, 2008 3:17 PM To: Rudy Sutherland Ce: Boorman, Jane A. ‘Subject: RE: SBA| Continuing Education for Entrepreneurs thru MIT: hnttp://ocw.mit.edu/OcwWeb/web/home/home/index.htm Rugy: Sorry i's taken so long to get back to you, but I've not received some answers to questions as quickly as | would like. At any rate, thanks for your reminder.(One of my questions is to our attorneys regarding any exemption that might apply to the conflict of interest that arises in ‘attempting @ cosponsorship with a company already registered in 8(a). Do you have an arrangement with MIT to be able to use their courses? Under cosponsorship rules, we would work directly with an entity like MIT to develop courses particular to a ‘cosponsorship. Some examples can be found on our website's Small Business Training Network in the courses with PA SBDC at Kutztown University and with Trump Universit. Have reminded parties they owe me an answer. Jane Boorman From: Rudy Sutherland [mailto:rudy.sutherland@aljucar.com) Sent: Tuesday, January 15, 2008 12:52 PM To: Boorman, Jane A. ‘Subject: SBA| Continuing Education for Entrepreneurs thru MIT: http: //ocw.mit.edu/OcwWeb/web/home/home/index.htm Importance: High [Please confirm your receipt] Tuesday, January 15, 2008 Jane| as you requested, you can go to http://ocw.mit.edu/OcwWeb/web/home/home/index.htm to obtain more information in regards to the MIT content we would like co-sponsorship with SBA in providing to small business owners. | will follow-up with you mid of next week to find out who | might discuss this opportunity with in more detail ‘Thank you, ‘Rudy Sutherland, MBA] Managing Director ‘udy sutheriand@aliycar.com 713.893.0716 Houston (HO]| 202.470.3257 Washington DC| 312.239.0624 Chicago “excellence. its in our DNA From: Rudy Sutherland [mailto:rudy.sutherland@aljucar.com) Sent: Wednesday, January 08, 2008 12:16 PM To: ‘jane.boorman@sba.gov’ ‘Subject: SBA| Continuing Education for Entrepreneurs Wednesday, January 09, 2008 Jane| thank you for returning my call ‘As we discussed, | would to know how I might use co-sponsorship to offer small businesses continuing education on topics that are material to their continued growth. Specifically, | would like to develop a model of using MIT curriculum and local subject matter experts (Professionals & Educators) to offer this education; through SBA Co-Sponsorship. Please let me know if this is possible. ~RS Rudy Sutherland, MBA] Managing Director ALJUCAR, LC rudy sutherland @allucar.com | www.allucar.com 113893076 Houron (a 2024703257 Washington De|312 2390524 Cheago (713.589.6826 eFax Putting out fires in challenging environments..We listen.”‘This emailand any attachments hereto may contain private, confident and piled material forthe sole use ofthe intended ripen. Any review. copying, Use, | hme, es ape sees pe Jmdtonsen [emia | we wy ee set sieve are, esters ‘ue ts essereA Small Business Guide to Getting a Piece of the Federal Contracting Pie ‘Asa small business owner, have you ever wondered how ‘you could market your product to the likes of the Depart- ‘ment of Defense and the Small Business Administration (SBA), get a federal contract and be a part of the more than '$300 billion dollar federal marketplace? “The first step to becoming a federal contractor isto register your firm in the Central Contractor Registration (CCR) data ‘base. CCR is an online business portal that helps small ‘businesses market their goods and services to the federal ‘government and prime contractors. Federal agencies and prime contractors also look in the database to find small ‘businesses contractors. You can register your fitm’s profile inthe CCR database at ww.cer-uov ‘The CCR database also houses the SBA's Dynamic Small Business Search function, an interactive database that pet= ‘mits small firms registered in CCR to post their profiles and capabilities for prospective buyers such as federal procure- ‘ment officers or purchasing agents of prime contrac- tors. Registration is free and voluntary, but any small busi- nesses interested in doing business with the government must register in the CCR database. I you need in-depth counseling on seeking federal or state government contracts, you can turn to Procurement and. ‘Technical Assistance Centers (PTACS), located throughout the country. They help small, minority and woman-owned businesses market to the government. These organizations help small businesses register with CCR, obtain a Commer- cial and Government Entity Code and a Duns Number, Which is necessary to do business with the government. PTACs also can match a firm’s capability with procurement ‘opportunities and help obtain military and federal specitica- tions and drawings. A listing of PTAC organizations is lo- cated at www sellingtothegovernment.net/ptac_map.asp. Free PTAC services are available at the following regional centers: Northeast Ohio PTAC 440-357-2204 Ohio PTAC atKent 390.672.9445 Ohio PTAC at Toledo 419.243.8191 x267 Ohio PTAC at Athens 704-597-1888 The SBA has a secret weapon ofits own: Procurement Cen- ter Representatives (PCRs). PCRs are procurement profes sionals who help small businesses identify contracting op- portunities. A listing of PCRs can be found at www sba,goviGC!.himl.contacts| Subcontracting is also a good option for small businesses. Large prime contractors have Small BusinessLiaison Officers listed in the Subcontracting Opportunities Directory for ‘companies wishing to sell 10 them. This di rectory can be found at www.sba gow GC indexcontacts-sbsd html. This Web site also has a listing for SBA’s Commercial Market Representatives (CMRs) who assist small, businesses with marketing to federal prime contractors, Small businesses also can search the SBA's SUB-Net Program for subcontract ing opportunities at iti: web,sba. 20 ule, The SBA also offers an on-line pro- ‘curement training course on how to access ‘government contracts and subcontracts to as- sist small businesses. This course can be taken via the Internet by visiting ‘Other federal procurement opportunities ean bbe accessed on the Internet at www fedbizopps.gov ‘The General Services Administration has also created the Acquisition Central Web site to provide a central and streamlined on-line community where small businesses can get access to resources, including the federal regulations, training opportunities and systems such as the CCR database, the Electronic Sub- contracting Reporting System (eSRS) and the Federal Procurement Data System-Next Gen= eration (FPDS-NG). The Web site ean be accessed at www. acquisition gov Another option is the Business Matchmaking Program. Business Matchmaking allows small businesses to have personal appoint- ‘ments with senior level government and cor- porate procurement officials to discuss poten- tial contracting opportunities. Small busi- nesses register for appointments through an online Matchmaking portal. which pairs “sellers” with government or corporate exec tives or “buyers.” Since the program's incep- tion in 2002, the SBA has held numerous Business Matchmaking events around the country and scheduled more than 45,000 ap- pointments, To find a matchmaking event go to businessmatchmaking.com. There is no cost to the small business or the buyers, Other federal agencies that buy products and services can be located through the Federal Acquisition Jumpstation at: hip prod.nais.nasa gov pub edprocihome himl‘SBA’s 8(a) Program Promotes Equal Opportunity for Small Businesses ‘Small business owners who feel that discriminatory practices have not allowed them to successfully ‘grow their business and have prevented them from gaining access to contracting opportunities in the federal contracting marketplace don’t have to look any further than the U.S. Small Business Admini- stration’s 8(a) business development program. Program participants must be owned by people who ‘meet the SBA definition of socially and economically disadvantaged individuals ~ those who have been subjected to racial prejudice or cultural bias. Because of this discrimination, these entrepreneurs have less access to capital and credit, which diminishes their ability to compete in the federal contract- ing marketplace, ‘The 8(a) program helps these firms develop their business and provides them with access to govern- ‘ment contracting opportunities, allowing them to become solid competitors in the federal marketplace, ‘Members of minority groups, which include Black Americans, Hispanic Americans, Native Amer cans, Asian Pacific Ameri ‘cans and Subcontinent Asian Americans, are among those presumed to be socially and economically The SBA offers... disadvantaged. Others, who ‘may not be members of On€ wide array of programs and ‘or more of those groups, can be considered forthe Spands-on’ ascistance to smal! —_8(@) program if they are able to provide substantial ‘business considering the federal ___evidence and documenta- tion that they have been sub- marketplace. Go to ourwebsite at: jected to chronic racial prejudice, cultural bias or similar circumstances be- yond their control. Participa- www. sba.govibusinessop/index html inthe 8(@) program is ibased on a nine-year term, beginning the date of the firm's acceptance into the program, The program term consists of a four-year developmental stage and a five-year transitional stage. After nine years in the 8 (@) program, the firm is eligible for graduation, ‘The SBA may also terminate a firm’s participation for non-compliance of program requirements and regulations. The small business also may withdraw at any time, ‘The 8(a) program's business development assistance includes specialized business training, counse!- ing, marketing assistance and high-level executive development provided by the SBA and its resource partners. Also, the SBA assigns business opportunity specialists to 8(a) participants to help them re~ ceive training and gain access to opportunities in the areas of procurement, marketing, finance, man- agement and surety bonding. Although the SBA’s business opportunity specialists work hard to pro- 8(a) program participants access to federal contracting opportunities by maintaining close contact with federal agencies, the SBA emphatically encourages 8(a) participants to self-market their firms. ‘The SBA cannot guarantee any specific amount of government contracts for any 8(a) firm. However, the SBA does maintain data on government requirement trends to anticipate the nature and volume of business opportunities. To become eligible for the program, a small business must fit the definition of socially and economi- cally disadvantaged, must fall within the SBA’s size standard as a small business, must be SI percent ‘owned by a person or persons who are classified as socially and economically disadvantaged. The ‘owner or owners must also be engaged full-time in the daily operation and management of the busi- ness. The SBA presently has more than 7,000 8(a) certified firms ranging from janitorial services and ‘engineering services to information technology. In fiscal year 2005, 8(a) firms received $10.5 billion in contract dollars. Small businesses interested in the 8(a) program should contact their local district office to attend an informational session on the program. An online 8(a) application is \ww.sba.gow/Sabd Vist the same Web site for more information about the 8(a) program. 2HUBZone Program Opens Doors for Contracting in Low-Income Communities ‘Small businesses located in low income areas can re~ ceive an economic boost from the U.S. Small Business ‘Administration's HUBZone contracting program. The HUBZone program provides contracting assistance to small businesses located in economically distressed ‘communities, referred to as historically underutilized ‘business zones or HUBZones, to promote job growth, capital investment and economic development in these areas, including Indian reservations. For a small business to be HUBZone-cerified, is prin- cipal office must be located in a HUBZone and atleast 35 percent ofits employees must reside in one of these specially designated areas, based on census tracts de~ fined by the U.S. Department of Housing & Urban Development. Also, the company must be owned and controlled by U:S. citizens, a community development ‘company or an Indian tribe. As long as the small busi- ness continues to mect the eligibility requirements for the HUBZone program, it ean enjoy uninterrupted participation in the HUBZone program. ‘The program's benefits for HUBZone-certfied compa- nies include competitive and sole source contracting and subcontracting opportunities and a 10 percent price evaluation preference from government agencies that purchase goods and services from HUBZone firms, The federal government has set a goal of deliv cring 3 percent of all federal prime contracts The program uses modem technology and the Internet, to provide service to small businesses and has been ‘exiremely suecessful because of ts availability online. ‘Small businesses can research thei location via the Interet to determine if they are located in a HUBZone ‘census tract. Ifthey are, they can apply for HUBZone certification online using the Web-based application ‘and usually receive a determination within 30 days ‘The online application features streamlined presenta- tion with pop-up menus directing applicants to an online guide to the federal regulations. The system also allows applicants to check the status of an appli= cation at any time during the review process. There are HUBZone firms in all 50 states, as well as the Dise trict of Columbia, Puerto Rico and the Virgin Islands, ‘Small businesses interested in learning more about the HUBZone program and applying for the program can visit the Web site at wwww.sba, gov serviees contractingopportunities’contractinghubzone inciex.himl, The online application can also be ac- cessed from this site ‘SBA Surety Bond Guarantee Program Can Open New Opportunities for ‘Small Businesses ‘Small business contractors and service companies that ‘want to become more compstitive and bid 0 projests requiring surety bonds, can look tothe U.S. Small Busi= ness Administration for the help they need t0 step up t0 that nent level of business suecess. Because of the pro- tection surety bonds provide, the Miller Act of 1935 r= «quiees surety bonds on federally-funded construction Projects in excess of $100,000. Today, virtually al tates have ther own statues and now almost every public con- struction project across the country requires surety bonds, The SBA's Surety Bond Guarantee Program can help small business contractors and manufacturers overcome challenges they face in winning government contracts and private-sector contracts, and in the process help them gst that nent Bond and contract, and the next. The idea be- hind surety bonding is simple and diteet. One person, or emtty, guarantees fo another that a third person will per= forma contract according to its terms. With the SBA"s Surety Bond Guarantee Program the ‘SBA guarantees surety companies against a percentage of the losses sustained asa result ofa contractor's default on «guaranteed bi, payment or performance bond, making them more willing to issue bonds for smaller newer com> paniss. The SBA ean guarante bid, payment and per- Tormance bonds for constuction, service and supa contracts up to $2 million fr eligible small contractors. ‘The overall SBA program consists of the Prior Approval Program and the Preferred Surety Bond Program. Under the Prior Approval Program, the SBA provides sureties an 80 oF 90 percent guarantee to issue bonds on behalf of small businesses, andthe surety must obizin SBA's prior approval foreach bond. SBA guarantees 90 petcent for bonds on contracts up to $100,000, and on bonds for so- cially and economically disadvantaged contractors, Cet= tified HUBZone contractors are eligible forthe 90 per ‘ent guarantee under the Prior Approval Program. More information on the HUBZone Empowerment Contacting Program is available at ww .sha-gov'servicew ‘onirastingopportunitiss contracting uber index. him Under the Prefered Surety Bond Program, selected sure= ties receive 170 percent hond guarantee and are author= ied to issue, service and monitor bonds without the SSBA’s prior approval. ‘The SBA charges fees to both the contractor and the surety company. Rates are published Periodically inthe Federal Repister. The SBA does not charge the contractor a fee for a bid-bond guarantee, Using the SBA's Surety Bond Guarantee Program can ‘open up more business opportunities for small businesses. could pave the way to obtaining a Federal, state, county ‘municipal or private-sector contact, and another. and another, and another. Far information on the program, go online tower sha go oxy Fora ist of contacts near ‘your business or call 1-800-U! ASK SBA, BUseful Resources State of Ohio First Stop Business Connection www odod state oh usleds/Iststop Incorporating a Business ‘wor. state oh usisos! click on link to “business services" Ohio Department Of Transportation (trafic counts for state and federal roads) \www- dot state oh us! select ODOT option “Traffic Counts” Procurement Technical Assistance Centers (PTACs) Kent PTAC Subcenter Northeast Ohio PTAC Subcenter Toledo PTAC Subcenter Registering a Business Name ‘www state oh usisos! click on link to ‘business services" Workers Compensation ww bnc state oh us Federal Government U.S. Federal Information Centor(unisted federal agencies) www frstgov gov USS. Copyright Office ww copysght gov USS. Department of Education wi ed cov US. Environmental Protection Agency ww sa cov US. Equal Economic Opportunity Commission www ee2° 9o¥ US. Intemal Revenue Service (IRS) os 1 gov US. Department of Labor v3 col ou U.S. Occupational Safety and Health Administration (OSHA) vw esha gov USS. Patent and Trademark Office 0 uspt> gov US. Securities and Exchange Commission ww secov Northern Ohio Resources Better Business Bureau www bbb 019 Cleveland Public Library wwrw clevelanditrary org General Information Business & Economics Department General Reference Desk Cuyahoga County Planning Commission ww planning co cuyahoga oh vs (consus data) Cuyahoga County Engineer www cuyciyengineers oro (trafic counts for state and county roads) Growth Capital formerty COSE) weew cose 079 Greater Clovoland Partnorship wn gcpartnership com (formerly Greater Cleveland Growth Association) Inventors Connection Northern Ohio Data And Information Service hit nodisnett urban csuohio edu/nodis/index shim! Northeast Ohio Area-Wide Coordinating Agency (NOACA) wn noaca org (800) 248-4040 (877) 767-3453 (216) 584.2204 (330) 672-0448 (440) 957-2294 (419) 243-8191 (877) 767-3453 (800) 644.6252 (600) 688-9869 (202) 707-3000 (600) 872-5327 (800) 621-8431 (600) 668-4000 (800) 829-1040 (886) 487-2365 (216) 522-3818 (600) 786-9199 (612) 383-7380 (216) 241-7678 (216) 623-2800 (216) 623.2927 (216) 623-2858 (216) 443-3700 (216) 348-3800 (216) 621-3300 (216) 621-3300 (216) 226-9681 (216) 687-2209 (216) 247-2414U.S. Smell Business Administ Cleveland District Office 1350 Euclid Avenue, Suite 211 Cleveland, Ohio 44115-1815 Official Business iy for Private Use, $300—_— From: Merritt, Jacqueline F. Sent: Thursday, September 25, 2008 10:54 AM To: Mr, Marvin Turner Subject: Listing of the free online courses: SBA Program Office [SBA Programs V] ‘Start Here. Mr. M. Turner Listing of free online courses >Financial Assistance ‘Avaliable courses are identified by topic. You can learn about the specific courses by clicking, “About these Courses” In general, the courses are all se¥-paced and should take about 30 mutes to > Contract Opportunities complete. Most ofthe courses require a brief online registration, ‘STARTING A BUSINESS ‘About these Courses 1. Small Business Primer: Guide to Staring a Business 2 My Own Business (A free course) 3, How to Prepare a Business Plan 4, “Howto Start a Business on a Shoestring Budget Trump University 8. Franchising Basics 6 Technology 101. A Small Business Guide BUSINESS About these Courses 41, Technology 101 A Small Business ‘Suge 2. Howto Prepare s Business Plan 3 EE i MARKETING & ADVERTISING ‘About these Courses 1. Marketing 191; Guide to Winning Customers 2. Marketing for Small Busin ‘Maine SBDC Conduct a Marketing Analysis * PA SB0C — Kutztown University ‘SMALL BUSINESS RETIREMENT >Disaster Assistance (Cursos en Espafol BUSINESS PLANNING 2 Sense Training Free Online Courses ‘About these Courses | New Courses Mest Popular Courses 1, How to Prepare a Business Pian >About SETN 2) Strategic Plennina & Execution * + Online Universiies PA SBDG- KuttownUnversiy onto 3. Develop ness Plan (en ‘espafol) PA SBDC - Kuiziown —— Uniersty ecstaree 4. My Qu Business (A free course with @ planning section) inning. Developing a Successful Business Plan 5. The +> Special Audiences >Laws/Regulations >Compliance FINANCING & ACCOUNTING ‘About these Courses 1 ei i 7 ‘Guaraniy Programs 2. How to Prepare a Loan Package 3,” Assessing Financial Needs * ‘South-West Texas SBDC 4. Introduction to Accounting GOVERNMENT CONTRACTING ‘About these Courses 1, Business Opportunies: A Guide to ‘Winning Federal Contracts 2. INSIGHT. th ness lopment Program 3 me ‘iiaine SBOC E-COMMERCE 1About these Courses About these Courses 1. Technology 101: A Small Business, Guide Busing Your Website * ‘South-West Texas SEDC 3, Managing the Distal Enterprice 4. Retirement Pranning INTERNATIONAL TRADE FEDERAL TAX TRAINING ‘About these Cot ‘About these Courses 1. Global Enterprise: A Primer on Exporting 4. Economic Stimulus Briefing 2. International Business Opportunities Jacqueline Merritt Sire boop et E'Spet stares Amnsaton Sense ae. aeEEE victoria@twbe-ct.com Tuesday, October 07, 2008 12:41 PM Powell, Lisa A RE: Attendee information for upcoming Women’s Conference on 10/16 October 2008 - Agenda (a).doc; October 2008 - Exhibitors doc Hello Lisa, ‘Thank you for the list, Attached Is information for exhibitors and the updated agenda for the event. If you have any questions, please feel free to contact me. Have a great day and I look forward to seeing you on October 16th. Victoria Admoréyes, LLC 203-269-5869 Original Message ~ Subject: Attendee information for upcoming Women's Conference on 10/16 From: "Powell, Lisa A." Date: Wed, October 01, 2008 11:36 am To: Cc: "Moccia, Edith M." , "Green, Lorraine" , "Rivera, Jessica 0." Good morning Victoria, Below is a list of the people from this office who will be covering our table during the conference on 10/16. Do they need to go on line and register or will this email be enough? | am copying them on this email so you have their contact information. You can still use me as your main contact if you like. Thank you Morning: Edie Moccia Afternoon: Lorraine Green and Jessica Rivera Let me know if there's any other information you need from us. Thank you Lisa A. Powell Business Development Specialist USS, Small Business Administration 330 Main Street - 2nd Floor Hartford, Connecticut 06016 860.240.4892 lisa powell@sba.gov www sba gov/ct= WOMENS BUSINESS CONFERENCE 2008 8:00 am to 8::55 am 9:00 am 9:05 am to 9:55 am 10:00 am to 1 11:45 am to 1:15 pm 1:15 pm to 4:15 pm. 4:30 pm to 5:00 pm 5:00 pm to 5:30 pm 5:30 pm to 6:30 pm 8:00 am to 6:30 pm The 2" Annual Women’s Business Conference October 16, 2008 Marriott Hotel — Trumbull, CT Dream Plan ~ Execute ~ Succeed Agenda Registration ~ Business Card Exchange Opening Victoria Hughes ~ President - AdmorEyes, LLC Keynote Speaker - Nell Merlino ~ President ~ Count-Me-In Organization Founder "Take Our Daughters To Work Day’ Founder - "Make Mine A Million $ Business Program” ‘Success - A View From The Top - Panel of Successful Business Owners Moderator - Gwendolyn Sykes CFO, Yale University, former CFO, NASA Michele Albano - Owner, Michele's Pies Stephanie Blackwell - President - Aurora Products Gina M Delucca - Owner, Once Upon A Time Development Center Tina DeNapoles - Co-owner, Tanquility Mind & Body Wellness Spa Gwendolyn Smith tloani - President/CEO - Smith Whiley & Company Brunch Keynote Speaker - Beth Polish Publisher of DROOM @ (Don’t Run Out Of Money) Former President of Anthony Robbins’ Dreamlife, Inc. Founding CFO, iVillage, Inc., CFO Goldman Sachs Ventures ‘Trump University - Professor for The Entrepreneurship Mastery Program Make Mine A Million $ Business (Program & Workshop) Keynote Speaker ‘Susan Bysiewicz - Connecticut Secretary of the State Announcement of New Make Mine A Million $ Business Winners Reception & Celebration Champagne & Chocolates Exhibitors - Open Count Me In, American Express Open, MicroSoft, State Farm Insurance, Lord & Taylor, Commerce Bank, American Laser Centers, AdmorEyes LLC, SBA, Ahlers Gifts, Lazy Cake, Remember Lies, Attoriey FedorThe 2008 Women’s Business Conference October 16, 2008 Marriott Hotel — Trumbull, CT Gees. “focus on YOUR vision” dream plan execute succeed October 16, 2008 “Trumbull Marriott wwww.twhe-et.com Exhibitors: Date: October 16, 2008 Time: 8:00. am - 6:30 pm Location: Marriott Hotel 180 Hawley Lane Trumbull, CT 06611 (203) 378-1400 Grand Ballroom Foyer Setup: 1 table, white covering, 2 chairs Registration begins at 8am, table set-up from 6 am - 8 am Champagne & Chocolate Reception will take place in exhibitor area Contact Person Upon Arrival: Bernard - Alternate, Harold Promotional Items for stuffing in conference bags should be mailed to Marriott Hotel to arrive on Wednesday, October 15". = Shipping Label Marriott Hotel The 2008 Women’s Business Conference Attn: Victoria A. Hughes: 180 Hawley Lane Trumbull, CT 06611 Program Booklet Ad: Final deadline for ad is Wednesday, October 8" at 3pm High Res PDF should be emailed to borzillo3@sbeglob confirmation on the receipt and opening of email, (203) 710-9139. net, request a confirm receipt Contact: Vietoria - (203) 671-8601 Georgia - (203) 269-5869From: Welsh, Patricia A Sen Thursday, February 12, 2009 12:58 PM To: migray@parker.com Ce: Goldberg, Gilbert B.; Zelenak, Jane M. Subject: SBA Cleveland District Office Programs and Services Guide/Start-Up Kit Attachments: start-up kit final 02-09 pdf Dear Mr. Gray ‘As you requested today, attached is the SBA Cleveland District Office Programs and Services Guide/Start-Up Kit. Please do not hesitate to contact us if we may be of further assistance. Sincerely, Patsy Welsh Program Support Assistant Cleveland District Office U.S. Small Business Administration 216-522-4180 ext. 400merge 1S) 1) NS Helpin Small Business Start; Grow / SSN E TT Mee Oi Suse acs pera es oa Phone: 216-522-4180 FéHow to Start a Small Business ‘Starting and managing a business takes motivation, desire and talent. also takes research and planning. Although initial mistakes are not fatal, it takes skill, discipline and hard work to regain the advantage. “To increase your chance for success, take the time up front t0 ex- plore and evaluate your business and personal goals. Then use this information to build a comprehensive and well-thought-out business plan that will help you teach these goals. The process of developing, a business plan will help you think through some important issues that you may not have considered yet. Your plan will become a valu- able tool as you set out to raise money for your business. It should also provide milestones to gauge your success, The SBA, through a relationship with My Own Business, offers a special online course on how to get started with a small business. Visit the Web site at \www.myownbusiness.org/course_sba. The SBA training site at \wwnw sba, gov services training onlinecourses! index.html offers sev eral other start-up courses, including How fo Start a Business on a Shoestring Budget, offered in conjunction with Trump University [Before starting out, list your reasons for wanting to go into business, ‘Some of the most common reasons for staring a business are want= ing to be your own boss, wanting to attain financial independence, wanting more creative freedom and wanting to be able 0 fully ex- ploit your talents and skills Next you need to determine what business is “right for you.” selfa few questions such as 1) What do I Tike to do with my time? 2) What technical skills have | learmed or developed? 3) What do others say I am good at? 4) How much time do I have to run a suecessful business? 5) Do {have any hobbies or interests that are marketable? Then you should identify the niche your business will fill, Conduct the necessary research to answer these questions 1) Is my idea practical and will it fil anced? 2) What is my competition? 3) What is my business advantage over existing firms? 44) Can I deliver a better quality service? 5) Can | create a demand for my business? The final step before developing your plan i the pre-business checklist ‘You should answer these questions: 1) What business am 1 interested in stating? 2) What services or products will I sell? 3) Where will | be located? 4) What skills and experience do I bring tothe business? 5) What will be my legal structure? 6) What will I name my business? 7) What equipment or supplies will I need? '8) What insurance coverage will be needed? 9) What financing will | need? 10) What ate my resources? 11) How will I compensate myself? Ask your- ‘Your answers will help you create a focused, well-researched busi- ness plan that should serve as a blueprint. It should detail how the business will be operated, managed and capitalized. For abroad ds. sion on start basins ps, Ys th SBA Wed ste at bags ISBA Cleveland District Office peey=t- ean fever eee (imeson) = To ree www .sba.gow SBA Cleveland District Office Program Staff Gil Goldberg, District Director, ext. 207 Londor Relations Staff: James Donato, ext. 215 Timothy Ensch, ext. 213, Mark Hansel, ext, 230 ‘Thomas Sangrik, ext. 214 Business Development Staff: James Duty, ext. 218 Jonn L. Renner, ext. 211 Sonya Wagasky, ext, 202 Getting Started How to Start a Small Business Mapping Your Path:The Business Plan Financing Your Business: The Basics Resources and Counseling SCORE ‘Small Business Development Centers ‘SBA's Office of Women's Business. ‘Ownership Local Women’s Resource Center \Micro-Enterprise Program SBA Services to Veterans 7 SBA Financing Finding Capital ‘AWord About Grants ‘SBA''s 7(a) Loan Program ‘SBA Loan Program Chart SBA Business Development Programs SBA Federal Contracting Programs 11 SBA's 8(a) Program 2 SBA HubZone Program 3 Surety Bonding B Useful Resources 14Mapping Your Path with a Business Plan You wouldn't start out on a cross-country trek without a map, so why would you want to try to start a business without a business plan? A busi ness plan precisely defines your business, identi- fies your goals, and serves is your firm’s resume. Ithelps you allocate resources properly, handle unforeseen complications, and make good busi- ness decisions. Because it provides specific and ‘organized information about your company and how you will repay borrowed money, a good ‘business plan isa crucial part of any loan applica- tion, Additionally it informs sales personnel, sup- pliers, and others about your operations and goal. ‘The importance of a comprehensive, thought fil business plan cannot be overemphasized. One of the greatest benefits that puting a plan together forces you to sit down and map out exactly how You expect to make your business idea successful ‘Much hinges on it: ouside funding, credit from suppliers, management of your operation and fi ances, promotion and marketing of your busi- ness, and achievement of your goals and objec tives, Despite the eritical importance of a business plan, many entrepreneurs drag their feet when it comes to preparing a written document. They argue that their marketplace changes too fast for a business plan to be useful or that they just dont have enough time, But just as a builder won't begin construction without a blueprint, eager busi- ness ovsners shouldn't rsh into new ventures ‘without a business plan ‘There are four core questions to answer before you begin writing your business plan. What ser= Vice or product does your business provide and ‘what needs does it fill? Who are the potential ‘customers for your product or service and why will they purchase it from you? How will you reach your potential customers? Where will you ‘get the financial resources to start your business? ‘Although there is no single formuia for develop- ing a business plan, some elements are common toll business plans. Your plan should start with ‘8 cover sheet, a statement of your business pur- pose and a table of contents. ‘Then start with a section about your business idea: describe your ‘business, tell how you plan to market it, review ‘your competition, describe the operating proce- ‘ures you plan to adhere to, discuss your plans 2 for employees, and how you plan to hire and train them, and describe your approach to insuring the business. Next, you'll want to provide detailed fi- nancial data, including and loan applications you will file alist of the equipment and supplies you will need and how much they will cost, a balance sheet showing your assets and liabilities, an analysis. ‘of what it will take for you to break even, and a pro- jection of your business” income, including antici- ppated profits and losses. Your financial data should also be organized in a three-year summary, with ‘detailed projections of cash flow, costs and income, ‘organized month-by-month for the first year and uarter-by-quarter for the second and third years. Be sure to include a discussion of the assumptions. ‘on which your projections are based, ‘You should also have an executive summary in which you summarize the plan, and be prepared t0 attach supporting documents and financial projec tions, The supporting documents should include resumes and tax returns of the prineipal owners for the previous three years, a copy of a franchise agreement if your business is a franchise, copies of proposed leases or purchase agreements for business space, copies of licenses and other egal documents, ‘and copies of letters of intent from suppliers and. known customers. You can find a detailed guide to producing a solid busi- ness plan on the SBA Wed site at www. sba.gow starting_business/index hl, Several other guides writ- ing business plan are available onthe SBA Web site at ‘wow sba govioolsesourcelibrary publications! fndes. him ‘The Cleveland District Office holds monthly training for banks and the general public t0 ‘acquaint thom with SBA programs and ‘services: Govornmont contracting briofing—srofngs tke place in cur sute on the 2nd for of 1350 Eve Clave. fan, on th socond Frdayof te month between 10 ar. ‘end neon No registration i nscessary Loan program briefing—Brieings take place the 3 ‘Thursday ofthe ment in Gur suit betwen 0a mand noon. Repisraton ie rquird. To rosrvo your oat, call (26) seasst00. ‘Loan packaging training for bankers—Mieeings ‘are nal benvaon 1.4m and noon m our sure on te last Wednescay ofthe month. Rogistaton i required Call (216) 522-4160 fora resorraionFinancing Your Business - the Basics While poor management is cited most frequently as the reason businesses fail, inadequate orill- timed financing isa close second, Whether ‘you're starting a business or expanding one, sufti- cient ready capital is essential Before inquiring about financing, ask yourself the following: 1) Do you need more capital or can you manage existing cash flow more effectively? How do you define your need? 2) Do you need money to expand or asa cushion against risk? 3) How urgent is your need? You can obtain the best terms when you anticipate your needs rather than looking for money under pressure. 4) How great are your risks? All businesses camry risks, and the degree of risk will affect cost and available financing alternatives. tages, '5) In what state of development is the busi Needs are most critical during transitional 6) For what purposes will the capital be used?” ‘Any lender will require that capital be requested for very specific needs. 7) What is the state of your industry? Depressed, stable, or growth conditions require different ap- proaches to money needs and sources. Businesses that prosper while others are in decline will often receive better funding terms. 8) Is your business seasonal or cyclical? Seasonal needs for financing generally are short term, Loans advanced for cyclical industries such as construction are designed to support a business through depressed periods. 9) How strong is your management team? Man- agement is the most important element assessed by money sources. 10) Perhaps most importantly, how does your need for financing mesh with your business plan? Ifyou don't have a business pian, write one Lenders will want to see your plan forthe start-up and growth of your business before they finance it. ‘There are two general types of financing: equity and debt financing, The more money, or equity, you have invested in your business, the easier it isto attract financing. If your firm has a high ratio of ity to debt, you should probably’ seek debt fi 1g. However, if your company has 2 high pro» portion of debt to equity, you should increase your ‘equity before you borrow additional money. That ‘way you won't be over-leveraged to the point of jeopardizing your company’s survival ‘There are many sources for debt financing: banks, ‘savings and loans, commercial finance companies, and the SBA are the most common. Many state and local governments have small business lending pro- ‘grams. Family members, friends, and former asso- Ciates are all potential sourees, especially when capital requirements are smaller. Traditionally, banks have been the major source of small business funding. Their principal role has bbeen as a short-term lender offering demand loans, seasonal lines of credit, and single-purpose loans for machinery and equipment. Banks generally have been reluctant to offer long-term loans to small firms The SBA guaranteed lending program encourages ‘banks and non-bank lenders to make long-term loans to small firms by reducing thei risk and lever- aging the funds they have available. Visit ‘www sba.gow/financing index.html for more infor= mation on SBA loan programs, Additional equity can be sought from non- professional investors such as friends, relatives, em- ployees, customers, or industry colleagues, although Venture capitalists are the most common source. Most specialize in one or a few closely related in- ddustries. Most venture capitalists prefer three-to- five-year old companies that have the potential to become major regional or national businesses and return higher-than-average profits. ‘You may contact these investors directly, although they typically make their investments through refer- tals. The SBA licenses Small Business Investment ‘Companies, which make venture capital investments in small businesses. Chock the Web site www sha.g0v series fnancilasistanee/equly capital investment index htm for more information,Know the SCORE: Small Business Basics for Entrepreneurs Aspiring small business owners and entteprencurs often wonder where they ean turn for help with their small business idea, What ate the first steps to take, how should a produet be sold, and what isthe best way to grow a business, If you're not afraid to ask for advice, the SBA can help you navigate through the seemingly uncharted waters of business start-up. SCORE “Counselors to America's Small Business” is the best source of free and confidential small business advice to help you build your business — from idea to start-up to success. The SCORE Association, headquartered in Washington, D.C., isa resource partner ofthe U.S. Small Business Ad~ ‘ministration, It is a nonprofit association dedicated to entrepreneurial education and the formation, growth and success of small businesses nationwide. SCORE’s extensive, national network of 10,500 retired and working volunteers are experienced entrepreneurs and corporate managers/executives. These volunteers provide free ‘business counseling and advice as a public service to all types of businesses, in all stages of development. ‘SCORE matches volunteer business management counselors with clients in need of expert advice “The Key qualification SCORE counselors bring to clients is real-world experience. SCORE business counselors hhave general management and specific industry experience that can benefit your business. SCORE business counselors may be working or retired business owners, business executives or operations managers. All SCORE ‘counselors receive specialized training in counseling and mentoring, SCORE volunteers can help prospective and established small business owners and managers identify problems, determine the causes and find solutions. ‘They ate well-versed in developing effective business plans and creating strategies for business growth. In addi tion to one-on-one counseling, SCORE also offers low-cost workshops and seminars at the local chapter level ‘Topics are planned to help address specific interests in a given community. Workshop topics have included: Developing Your Business Plan; Starting and Operating Your Own Business; Getting Financing For Your Busi- ness; Basic Business Accounting; Expanding Your Business; and Marketing ~ A Do-t-Yourself Approach for ‘Small Business. Any small business can obtain help from SCORE. The approach is confidential and personal You don't need to be applying for orto have an SBA loan to participate inthe program. In fact, an idea is all that is necessary for consultation and counseling, SCORE offers counseling online with a Web site created and managed by volunteers. Visitors tothe site choose from a list of counselors with expertise in the business areas that interest them and write a question tothe coun selor whois the best match for their business or industry, and get an answer by e-mail. Site users can keep the dialog going as long as they have unanswered questions. SCORE also offers a workbook entitled //ow To Really ‘Start your Own Business, and a variety of other “how to” workbooks and planning guides, including information ‘about how to get financing, haw to choose a bank, how to stat a home-based business and other topics. To get free and confidential business advice, and to find the nearest SCORE chapter, visit online at wwww.Score.org , OF call SCORE toll free at 1-800-634-0245, SCORE's online e-mail counseling gives entrepreneurs the opportunity to send thei small business question by e-mval to a SCORE counselor anywhere in the county, Northern Ohio SCORE Chapter Offices ‘Akron SCORE Chapter 81 Cleveland SCORE Chapter30 Toledo SCORE Chapter 80 ‘One Cascade Plaza, 18" Floor Small Business Administration 2200 Jefferson Ave., 1st Floor ‘Akron, Ohio 44308 1350 Euclid Ave, Suite 216 ‘Toledo, Ohio 43604 (930) 379-9163 Cleveland, Ohio 44118-1815 (419) 259-7598, (877) 257-2673 toll free (216) 522-4194 Northern Ohio SCORE Branches ‘Youngstown SCORE Archbold 419-267-6511 ext. 280 Norwalk 419-668-4867, Chaptor 112 Fostoria 419.435.0486, ext 3446, Rm. 306 Williamson Hall Lorain 216-522-4104 Ottawa 419-259-7508, Youngstown State University Medina 330-379-3163 Painesville 440-357-2290, ext.21 Youngstown, Ohio 44555 Minerva 330-888-7979 Tiffin. 419-447-4141 (830) 748-2687 Geauga 440-834.3740 4Big Advice for Your Small Business Besides inadequate access to capital, perhaps the sin- te most important obstacle to small business sucess isthe lack of technical and management assistance, and access to timely and accurate informatio, tain- ing, counseling and busines education. That's why the Small Business Development Cente program is one ofthe U.S. Small Business Administration's bed- tock offerings. Ifyou are considering staring your bon business or encounter problems with an existing busines, the SBDC program can help you navigate the road Yo success by puiding you through the eiical steps to business success. ‘The SBDC program provides counseling and training ‘to those who want to start a small business and 0 ex- isting small business owners. The SBDC program is a cooperative effort of the private sector, the educa- tional community and federal, state and local govern- ‘ments, It enhances economic development by provid- ing small businesses with management and technical assistance Special programs and economic development activi- ties include international tade assistance, technical assistance, procurement assistance, venture capital formation and rural development. Counselors help ‘entrepreneurs with loan applications, business plans and common, everyday business management prob- lems, such as establishing a bookkeeping system, hte ing employees or planning for sales via the Internet. SBDC service centers are located at colleges, univer sities, community colleges, vocational schools, cham- bers of commerce and economic development corpo- rations, They also provide online counseling and use ‘circuit riders” who visit individual businesses and hhold seminars and training sessions at remote loca- tions, Each SBDC develops its services in cooperation ‘with the local SBA District Office to bring together other available resources. Each SBDC has a director, staff members, volunteers and parttime personnel. Qualified individuals who donate their services are recruited from professional ‘and trade associations, the legal and banking commu nity, academia, chambers of commerce and SCORE “Counselors to America's Small Business." In addi- tion, SBDCs also use paid consultants, consulting ‘engineers and testing laboratories from the private sector to help clients who need specialized expertise The SBDCs make special efforts to reach minority members of socially and economically disadvantaged groups, veterans, women and the disabled, Assistance is also provided fo small businesses applying for Small Business Innovation and Research grants from federal agencies. SBDC sites are located throughout the country. For the location nearest to you, visit online at ‘www. sha. gov/sbdelsbdenear ml Ohio SBDC at A.G.B.A. 526 South Main Street Ohio SBDC at Kent State University Suite 813 College of Business ‘Akron, Ohio 44311 Administration (330) 375-2111 ‘Summit & Terrace, Room 300A Kent, Ohio 44242 (330) 672-1279 Ohio SBDC at Ohio SBDC at Kent State University Kent State University Stark Campus Tuscarawas Campus 66000 Frank Avenue, NW Canton, Ohio 44720 330 University Drive, NE New Philadelphia, Ohio (330) 244-3296 44663, (330) 308-7479 x 279 Ohio SBDC at Ohio SBDC at Lake County Lorain County Economic ‘Chamber of Development Center Commerce Lake Erie College 226 Middle Ave, Sth Fi. 1 Victoria Place, Ste. 265A Elyria, Ohio 44035, Painesville, Ohio 44077 (440) 328-2324 (440) 357-2290 x32 ‘Ohio SBDC at Maumee Valley Planning Organization Defiance County Ohio SBDC at Terra Community College 2830 Napoleon Road Fremont, Ohio 43420 East Bldg (419) 559-2210 1300 E Second St. Ste.201, Defiance, Ohio 43512 Phone: 419-782-6270 Ohio SB80C at ‘Multicultural SBDC Toledo Chamber of _at the Urban League Commerce 2930 Prospect Ave, Enterprise Suite 200 300 Madison Avenue Toledo, Ohio 43604 (419) 243-8191 Cleveland, Ohio 44115, (216) 812-3161 x237 Ohio SBDC at Ohio SBC at Youngstown State University 275 Fiflh Ave. ‘Youngstown, Ohio 445 (30) 941-2140What Women Want [America’s 9.1 million women-owned businesses em- ploy 27.5 million people and contribute $3.6 tilion to the economy ~ yet women continue to face unique obstacles in the world of business. The US, Small Business Administration is working to level the play- ing field for women entrepreneurs, and the SBA's Of- fice of Women’s Business Ownership is a prime re- source to help lead the way. Women entrepreneurs are opening businesses at nearly three times the rate ofall businesses, and revenues are increasing faster, SBA has been steadily expanding its outreach to women owned businesses. Nationally, ‘SBA-backed lending to women was up 24 percent in 2004 and more women than ever are taking advantage of the excellent counseling and training opportunities available through SBA or one of our pariner organiza tions, the Small Business Development Center, ‘SCORE and SBA-backed Women’s Business Centers ‘The SBA’s Office of Women’s Business Ownership, ‘or OWBO, promotes the growth of women-owned businesses through programs that address business training and technical assistance, and provide access 10 credit and capita, federal contracts, and international trade opportunities, OWBO is available online at bttp:/iwwwsba.gov/aboutsba/sbaprograms/onlinewbe! index.html. The office provides information and sup- port on issues that are specific to women-owned firms and helps find local sources for training, technical as- sistance, and financing. ‘SBA offers women a nationwide network of mentoring roundtables, Women's Business Centers in nearly ‘every state and territory, women-owned venture capi= tal companies, and the Online Women's Business Cen ter. Each SBA district office has a designated special- ist on women's business ownership with expertise in the full range of SBA programs and connections to outside resources available to women business owners ‘The Women’s Business Center program, launched in 1988, is one of the basi units of assistance to women across the country. The community-based centers are in neatly every state, the District of Columbia, Puerto Rico and American Samoa, and serve @ wide variety of ‘geographic areas, population densities, and economic environments including urban, suburban and rural. Centers offer a variety of innovative programs, includ ing Internet training and courses in different lan- ‘guages, They help with business training and techni- ‘al assistance, access to credit and capita, feder ‘tracts, and international trade opportunites. 6 WBCs vary in funding and staffing size, Rather than @ cookie-cutter type government program, each ‘Women’s Business Center tailors its services to the reeds of its individual area. Each provides training in finance, management, marketing, procurement, and the Internet as well as offering the SBAs fi nancial and procurement assistance programs. Visit the SBA Web site at http://www sba.gov/ide! ‘groups'publie/documents/sba_program office! sba_pr_wbe_ed.pdf to identify the Women’s Busi- ness Center nearest you. Local Women's Resource: Serving Cuyahoga County Women’s Business Center ‘Alex Community Development Corporation 12200 Fairhill Road, Suite B-407 Cleveland, Ohio 44120 216-707-0777 info@alexedc.com Microenterprise Program The WECO Microenterprise Program pro- vides an opportunity for low to moderate- income entrepreneurs to secure business financing and technical business support in Cuyahoga County. ‘The program's target market includes ‘pre- bankable”— that is, people whom the banks will not consider loaning money to, yet have the necessary ambition, skills and work ethic to develop a successful business that within a few years may employ other individuals. WECO supports this effort to assist small business owners with a variety of workshops. Contact WECO at: 3209 Chester Avenue Cleveland, Ohio 44114 (216) 458-0250For Many Vets It's About Coming Home and Starting a Business VPC do ET OUTER TEN-HUT! OHIO MILITARY COMMUNITY ‘Are you ploming exchange your mr is for hse sell esinesewne? ToS Sell eines Adair has you coed — Whatever the war or conflict Americans have always believed that America’s military veterans should be returning home to jobs and opportunity. We can never fully repay these patriots for their sacrifice and the sacrifices of their families, but we can provide an environment in which they can strive to reach their full economic potential and fulfill their small busi ness dreams. Since 1953, the U.S, Small Business Administration has been providing entrepreneurial assistance to veterans and service-disabled veterans who return home to start, resume, or further grow + Counsel their businesses. Veterans who need financial assis- ia tance and business counseling can get them, and both 1 Fett Express lor intive are increasingly available. Each year since 2001, the + Conracing number of loan guarantees for veterans in the SBA’S «+ Diswer Rcovery loan programs has expanded ~ from 5,105 loans worth $1.36 billion in FY 2001 to 8,503 amounting to $1.64 billion in FY 2004. Vi wt. go/ ait inde Hn, cot your cl $8 ofc st the eal resources scion tw sb gov ot look dar US. Goverment in yo lphone decry) a call |-400.UASKSBA formar infrmaton en ow he US. Sell estes Adis is hbig vers and tn spouses wh wot eabliho xpd a busin. ‘The SBA offers a targeted loan program to help keep businesses operating during the critical months when their key employees or owners are called to active duty. The SBA’s Military Reserve Feonomic Injury Disaster Loan program has more than doubled its low-interest loans in this program from $3.5 million in FY 2002 to $7 million in FY 2004. Helping to keep these businesses whole and afloat also helps to save jobs in their local communities. SBA’s Veterans Business Outreach Centers, located in key regions throughout the country, have provided counseling services and training to more than 60,000 veteran entrepreneurs over the past four years, and more and more vets are seeking these services. SCORE, Counselors to America’s Small Business, also has special veterans counselors and has. bbeen averaging more than 26,000 counseling sessions to vets over the same period. In addition, each SBA District Office has a veterans business development officer available for counseling vets exclusively. SBA’s Women’s Business Centers added some 7,500 such counseling sessions over the same period as well, reaching women veterans. SBA’s Small Business Development Centers offer one-stop assistance to individuals and small businesses by providing a wide variety of information and guidance in central and easily accessible branch locations. The program is a cooperative effort of the private sector, the educational community and federal, state and local governments. The SBA also has established an Office of Federal Contract Assistance for Veteran Business Owners to help service-disabled veteran-owned small businesses gain better access to the federal contracting marketplace. For more information on the SBAs programs for veterans, vist the Web sites forthe SBA’s Office of Veterans Business Development at ww.sba govivets,Finding Capital [Ask any entrepreneur, actual or potential, what their biggest holdup to launching or growing their business is, and the answer will come quick and sure: Money. There is little doubt, ifany, that finding capital to finance your business venture is the most basic and important of all your business activities. It also can be the most frustrating one if you don't know where and how to look, but it need not be so. Finding capital can A Word About Grants Please note that the U.S. Small Business Administration does not offer grants to start or expand small businesses, though it does offer a wide variety of loan programs. While the SBA does offer some grant pro- grams, these are generally designed to expand ‘and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending Institutions, and state and local govements. bbe a smooth, rewarding experience provided you study diligently and plan effectively. However ob- vious it may seem, the first thing you need to know before setting out in search of money is how much ‘you need. Here, again, a thorough business plan will, be critical in determining your financial needs. Once you have determined how much money you need, there are several sources to consider when looking for financing, It is important to explore all of your ‘options before making a decision Personal savings: The primary source of capital for most new businesses comes from savings and ‘other personal resources. While credit eards are often, used to finance business needs, there are usually bet- ter and less expensive options available, even for very small loans. Friends and relatives: Many entreprencurs look to private sources such as friends and family when starting out in a business venture. Often, money is loaned interest-free of ata low interest rate, which can be beneficial when getting started Banks and credit unions: ‘The most common sources of funding, banks and credit unions, will provide « loan if you ean show that your business proposal is sound, which is shown by your business plan. Angel Investors and Venture capital firms: These individuals and firms help expanding companies ‘grow in exchange for equity or partial ownership. Borrowing money from a bank or other financial institution to start a business ~and even for established ‘small businesses ~ is usually seen as difficult. inexperienced or ill-prepared borrowers do not make matters ‘any casier by submitting incomplete or poorly filled loan applications, or by showing up without a business plan, prompting lenders to assume that you may be @ high risk. To improve your chances of obtaining @ loan, you must be prepared and organized. You must know exactly how much money you need, why you need it, and how you will pay it back. You must be able to convince your lender that you are a good credit risk, Approval of your loan request depends on how well you present yourself, your business, and your financial needs to a lender. Remember, lenders want to make loans, but they must make loans they know will be repaid, The best way to improve your chances of obtaining a loan isto prepare a written proposal. In addition to general information ~ business name, names of principals, Social Security number for each principal. busi- ness address, purpose ofthe loan, amount required-a well-written loan proposal should contain, again, the main elements of your business plan: Business Description, Management Profile, Market Information, and Financial Information. The SBA, through its district offices and resource partners, can help you prepare a sound loan application that will enhance your chances of getting the funds you need. And if at first you are tumed down by a lender, ask him or her about an SBA 7(a) loan guaranty. Often, there's very linle additional paperwork, and a guaranty can often be approved within a couple of days.For more information on how the SBA can help you find the money you need, visit its Web site at wwwsba.gow 5Financing Your Business with the SBA’s Help Perhaps no activity in starting up a new busi nesses or in laying plans for growth of an exist- ing business will have as much impact on your prospects for success over the long run than en- suring adequate financing. How do you go about financing your enterprise? ‘The U.S. Small Business Administration recom- rmends developing a proposal, including a busi- ness plan, and paying a visit to a commercial lender with whom you've done business in the past, a place where you are a known quantity. If that lender will make a loan to finance your pro- posal, then you don't need the SBA. But if that lender declines, or tells you that it ean make the loan only ifyou can line up a guarantor, then the SBA’s 7(a) loan program may be the answer for you. The 7(a) program is the most basic type of loan the SBA offers to small busi- nesses. In fact, to be precise, it is nota loan per se, but a guaranty that the SBA provides partici- pant lenders, thus making it easier for them to ‘make small business loans they otherwise would- n't touch Under the concept, businesses apply to a com- ‘mercial lender for a loan, The lender, using its ‘own criteria, decides whether to make the loan on its own or whether the application thas some weaknesses which would call for ‘an SBA guaranty. Most often, the weak- ness is a problem with insufficient collat-* eral, or the inability to afford repayments for the shorter term loans that lenders pre- fer. If the lender decides that it would rather not take the risk alone, it turns to an SBA 7(a) loan guaranty ‘The SBA"s guaranty assures the lender that ifthe borrower does not repay the loan, the federal government will reimburse the lender, up to the percentage guaranteed by the SBA. Applicants must have sufficient cash flow to meet all monthly obligations, * plus a monthly loan payment. Remember, the SBA guarantees the loan, but the bor- rowers are obligated for the full amount ‘Also, you have to be of good character and be able to provide a reasonable collateral or owner participation, Most small business don’t need a whole lot of money to start or to expand, but they ddo need good repayment conditions, namely, longer terms and low interest rates. The 7(a) loan program provides both. ‘The 7(a) loan program has a maximum loan amount of $2 million with a guaranty of 75 per- cent, The lower the amount you need, the higher the guaranty can go, up to 85 percent on loans of $150,000 or less. The SBA encourages longer terms, but actual loan maturities are based on the purpose of the loan and the useful life ofthe as- sets financed. In general, though, 7a) loan ma- turities can go from seven years for working capi- tal, to 2 maximum of 25 years for land and build- ings, or debt refinancing, Finally, interest rates are negotiated between the borrower and the lender. However, since interest rates can be an important factor in the repayment ability of borrowers, the SBA has established lim- its that vary according to the size and matur the loan. For more detailed information about SBA programs and services visit the SBA Web site at www.sba.gov/financing/index.html. 7(a) Eligibility Highlights All businesses that are considered for financing under SBA's 7(a) loan program must: meet SBA size standards, be for-profit, not already have the intemal resources (business or personal) to pro- vide the financing, and be able to demonstrate repayment. Repayment ability from the cash flow of the busi- ness is a primary consideration in the SBA loan decision process but good character, manage- ‘ment capability, collateral, and owner's equity contribution are also important considerations. All owners of 20 percent or more are required to personally guarantee SBA loans.SSA‘ Loan Reference Chart Program Me) fesse [shape fen trop isonnpee cgi] SeandCime eines raat SBA Financing Programs roy os [erm ps| nanan pay pment area |r, Josnan |sismase | pratt eer) | tpn | yc pec svete | oper * intaergoeet, signee tots, ‘et oer cose | erty mnanaiobTpe ae repre hotest [i samme area sm stops | Sate sxor htpose te imate |rngsaon |eguees ote ae [eerie | sein ont, ries | tutti stmewapntetg som |e ret i sae den Maturity ro Interest Co os = = Fase [pb geen | rere: [parame fustwtepst finger lye | npr [pian [omen ce |pnecate jocoras |Tyercare |stonayjtey [eninge [inary Jie. | sn fips [otc [bors james [teeny tniens [pees [ewtrempmet,|§opereroayoe fmt | assed tne ssiorgex|eveaysgy | 1) eet | tevkertae | eet [abe lerteate| sensi SK -Pone= [yom fame. | Pameteay [2c fOH= eemeetarie!| 191 hp teen pe no sargciyas | Ogtedt es [ata | uae —|sey oer [aaraneont press Reng Sheets Emre fei [weeps |Rmpae [wagon [imams orduevss louder | Seip sc, ere lepine, | erase mtcgsind |Popmpoits | gon orate |Temeaiscrr | omperr ea ssn tte lamers | asa yat lmdentgh |b xapewe leer {ating oo rey [owianotim [warned fale mations | eter Jmsnseory |usgeus (ensesttinn | stoners roc wem ae [ccm iy severing cee [Sacnmen spe \seystenga te ga [ams ven eg ee enero eexiaoamte [Sem [sera Faaoeen Senne! ergaenen |i mee lineman senor | ag seinen pt eeteveotene ny reine,A Small Business Guide to Getting a Piece of the Federal Contracting Pie Asa small business owner, have you ever wondered how ‘you could market your product to the likes of the Depart: ‘ment of Defense and the Small Business Administration (SBA), geta federal contract and be a part of the more than '$300 billion dollar federal marketplace? The fist step to becoming a federal contractor is to register ‘your firm in the Central Contractor Registration (CCR) data- base, CCR is an online business porta that helps small businesses market their goods and services tothe federal ‘government and prime contractors. Federal agencies and prime contractors also look in the database to find small businesses contractors, You can register your firms profile inthe CCR database at www.cer.20v ‘The CCR database also houses the SBA’s Dynamic Small Business Search function, an interactive database that pet= mits small firms registered in CCR to post their profiles and capabilities for prospective buyers such as federal procure ‘ment officers or purchasing agents of prime contrac- tors. Registration is free and voluntary, but any small busi- nesses interested in doing business with the government ‘must register in the CCR database Ifyou need in-depth counseling on seeking federal or state ‘government contracts, you can turn to Procurement and ‘Technical Assistance Centers (PTACS), located throughout the country. They help small, minority and woman-owned businesses market to the government. These organizations help small businesses register with CCR, obtain a Commer- cial and Government Entity Code and a Duns Number, which is necessary to do business with the government PTACS also can match a firm's capability with procurement ‘opportunities and help obtain military and federal specifica tions and drawings. A listing of PTAC organizations is lo- cated at www.sellingtothegovernment.net/ptac_map.asp. Free PTAC services are available at the following regional centers Northeast Ohio PTAC 440.357-2294 ‘Ohio PTAC at Kent 330-672-0448 Ohio PTAC at Toledo 419-243-8191 x267 ‘Ohio PTAG at Athens 704-597-1868 “The SBA has a secret weapon ofits own: Procurement Cen- ter Representatives (PCRs). PCRS are procurement profes- sionals who help small businesses identify contracting op- portunities. A listing of PCRs can be found at swww.sba. gov/GC hum. contacts ‘Subcontracting is also a good option for small businesses. Large prime contractors have ‘Small BusinessLiaison Offices listed in the Subcontracting Opportunities Directory for ‘companies wishing to sell to them. This di- rectory ean be found at www.sba.gov/GC indexcontacts-shsd.himl, This Web site also has a listing for SBA's Commercial Market Representatives (CMRs) who assist small businesses with marketing to federal prime contractors, Small businesses also can search the SBA’s SUB-Ner Program for subcontract ing opportunities at hitp:/web sba.gov subneU, The SBA also offers an on-line pro- ccurement traning course on how to access ‘government contracts and subcontract to as- sist small businesses. This course can be ‘taken via the Internet by visiting www'sba,govigebd/accessing_ contracts Other federal procurement opportunities can bbe accessed on the Internet at wow fedbizopps.zov ‘The General Services Administration has also created the Acquisition Ceniral Web site to provide a central and streamlined on-line ‘community where small businesses can get ‘access to resources, including the federal regulations, training opportunities and systems such as the CCR database, the Electronic Sub- contracting Reporting System (eSRS) and the Federal Procurement Data System-Next Gen= eration (FPDS-NG). The Web site can be accessed at www acquisition gov Another option isthe Business Matchmaking Program, Business Matchmaking allows ‘small businesses to have personal appoint ments with senior level government and cor- porate procurement officials to discuss poten- tial contracting opportunities, Small busi- ‘nesses register for appointments through an confine Matchmaking portal, which pairs “sellers” with government or corporate execu tives or “buyers.” Since the program’s incep- tion in 2002, the SBA has held numerous Business Matchmaking events around the country and scheduled more than 45,000 ap- pointments. To find a matchmaking event go to businessmatchmaking.com. There is no cost to the small business or the buyers, (ther federal agencies that buy products and services can be located through the Federal Acquisition Jumpstation at: hitp prod.nais.nasa.gov/pub/fedproc/home him inSBA’s 8(a) Program Promotes Equal Opportunity for Small Businesses ‘Small business owners who fecl that diseriminatory practices have not allowed them to successfully grow their business and have prevented them from gaining access to contracting opportunities in the federal contracting marketplace don't have to look any further than the U.S. Small Business Admini- stration’s 8(a) business development program. Program participants must be owned by people who meet the SBA definition of socially and economically disadvantaged individuals ~ those who have been subjected to racial prejudice or cultural bias. Because of this discrimination, these entrepreneurs have less access to capital and credit, which diminishes their ability to compete in the federal contract- ing marketplace. ‘The 8(a) program helps these firms develop their business and provides them with access to govern- ‘ment contraeting opportunities, allowing them to become solid competitors in the federal marketplace. Members of minority groups, which include Black Americans, Hispanic Americans, Native Ame cans, Asian Pacific Ameri- ceans and Subcontinent Asian Americans, are among those presumed to be socially and economically The SBA offers. disadvantaged, Others, who ‘ay not be members of one see ae e ‘or more of those groups, cean be considered for the Santis on? sadstonce tosmel —_8(a) program if they ae ableto provide substantial business considering the federal evidence and documenta- tion that they have been sub- marketplace. Go to our website at: jected to chronic racial prejudice, cultural bias or similar circumstances be- Sond their control. Participa. | Www.sba.govibusinessopindexhim! tion inthe. 8(a) program is based on a nine-year term, beginning the date ofthe firm's acceptance into the program, The program term consists of a four-year developmental stage and a five-year transitional stage, After nine years in the 8 (a) program, the firm is cligible for graduation. ‘The SBA may also terminate a firm’s participation for non-compliance of program requirements and regulations. ‘The stall business also may withdraw at any time. ‘The 8(a) program's business development assistance includes specialized business training, counsel- ing, marketing assistance and high-level executive development provided by the SBA and its resource partners. AAlso, the SBA assigns business opportunity specialists to 8(a) participants to help them re- ceive training and gain access to opportunities in the areas of procurement, marketing, finance, man- agement and surety bonding. Although the SBA’s business opportunity specialists work hard to pro- vide 8(a) program participants access to federal contracting opportunities by maintaining close contact with federal agencies, the SBA emphatically encourages 8(a) participants to self-market their firms. ‘The SBA cannot guarantee any specific amount of government contracts for any 8(a) fitm. However, the SBA does maintain data on government requirement trends to anticipate the nature and volume of business opportunities. To become eligible forthe program, a small business must fit the definition of socially and economi- cally disadvantaged, must fall within the SBA’s size standard as a small business, must be SI percent ‘owned by a person or persons who are classified as socially and economically disadvantaged. ‘The ‘owner of owners must also be engaged full-time in the daily operation and management of the busi- ness. The SBA presently has more than 7,000 8(a) certified firms ranging from janitorial services and ‘engineering services to information technology. In fiscal year 2005, 8(a) firms received $10.5 billion in contract dollars. Small businesses interested in the 8(a) program should contact their local district office to attend an informational session on the program. An online 8(a) application is at ‘wwsba.gov/Sabd/. Visit the same Web site for more information about the 8(a) program. 2HUBZone Program Opens Doors for Contracting in Low-Income Communities ‘Small businesses located in low income areas can re- ceive an economic boost from the U.S. Small Business ‘Administration's HUBZone contracting program. The HUBZone program provides contracting assistance to stall businesses located in economically distressed ‘communities, referred to as historically underutilized ‘business zones or HUBZones, to promote job growth, ‘capital investment and economic development in these areas, including Indian reservations. For a small business to be HUBZone-certified, its prin- cipal office must be located in a HUBZone and at least 35 percent of is employees must reside in one of these specially designated areas, based on census tracts de= fined by the US. Department of Housing & Urban Development. Also, the company must be owned and controlled by U.S. citizens, a community development ‘company of an Indian tribe. As long as the small busi- ‘ness continues to meet the eligibility requirements for the HUBZone program, it can enjoy uninterrupted participation in the HUBZone program. ‘The program's benefits for HUBZone-certified comps nies include competitive and sole source contracting and subcontracting opportunities and a 10 percent price evaluation preference from government agencies that purchase goods and services from HUBZone firms. ‘The federal government has seta goal of deliv- ering 3 percent ofall federal prime contracts. ‘The program uses modern technology and the Internet to provide service to small businesses and has been extremely successful because of its availability online ‘Small businesses can research their location via the Internet to determine if they are located in a HUBZone census tract. If they ae, they can apply for HUBZone certification online using the Web-based application nd usually receive a determination within 30 days. ‘The online application features a streamlined presenta- tion with pop-up menus directing applicants to an online guide to the federal regulations. The system also allows applicants to check the status of an appli- cation at any time during the review process. There are HUBZone firms in all 50 states, as well as the Die trict of Columbia, Puerto Rico and the Virgin Islands. ‘Small businesses interested in learning more about the HUBZone program and applying for the program can Visit the Web site at www sba.gov/services ‘contractingopportunities/contracting hubzone! index.html. The online application can also be ac- ‘cessed from this sit, SBA Surety Bond Guarantee Program Can Open New Opportunities for Small Businesses ‘Smal business contractors and service companies that want to become more competitive and bid on projects requiring surety bonds, can look tothe U.S. Small Bu ‘ness Adminstration forthe help they need to step up to that next level of business suecess. Because of the pro- tection surety bonds provide, the Miller Act of 1935 r quires surety bonds on federally-funded construction projects in excess of $100,000. Today, virtually al tates have their own statues and now almost every public con- strustion project across the county requires surety bonds. The SBA's Surety Bond Guarantee Program ean help small business contractors and manufacturers overcome challenges they face in winning government contracts and private-sector contracts, and in the process help them get ‘that next bond and contact andthe next. The idea be- hind surety bonding is simple and direct. One person, or ‘entity, guarantees to another that a third person will per form a contract according to its terms. With the SBA's Surety Bond Guarantee Program the ‘SBA guarantees surety companies against a percentage of the losses sustained asa result ofa coniractor's default on ‘ guaranteed bid, payment or performance bond, making them more willing to issue bonds for smaller, newer com= panies. The SBA can guarantee bid, payment and per- formance bonds for construction, service, and supply contracts up to $2 million for eligible small contractors. ‘The overall SBA program consists of the Prior Approval Program and the Preferred Surety Bond Program. Undct the Prior Approval Program, the SBA provides sureties an 80 oF 90 percent guarante to issue bonds on behalf of spall businesses, andthe surety must obtain SBbA’s prior approval for cach bond, SBA guarantees 90 percent for bands on cantrats up to $100,000, and on bonds for so- cially and economically disadvantaged contractors. Cer- tified HUBZone contractors are eligible for the 90 per cent guarantee under the Prior Approval Program. More {information on the HUBZone Empowerment Contracting Program is available at www sha gov/services! contrastingoportunities/contaetinghubronevindex hi Under the Preferred Surety Bond Program, selected sure~ ties receive 70 percent bond guarantee and are author ied to isu, service and monitor bonds without the ‘SBA’s prior approval. The SBA charges fees to both the contractor and the surety company. Rates are published periodically in the Federal Register. The SBA does not charge the contractor a fee for a bid-bond guarantee Using the SBAA's Surety Bond Guarantee Program can ‘open up more business opportunities for small businesses. Itcould pave the way to obtaining a federal, state, county, ‘municipal or private-sector contract, and another, and ‘another, and another. For information onthe program, 20 ‘online to www. sha gov/ose for alist of contacts near your business or call 1-800-U ASK SBA. 13Useful Resources State of O! First Stop Business Connection ww odod state oh usledd sistop! Incorporating a Business ‘www state oh.usisos! click on link to “business services" ‘Ohio Department Of Transportation (traffic counts for state and federal roads) ‘www dot state oh.us/ select ODOT option "Traffic Counts" Procurement Technical Assistance Centers (PTACS) Kent PTAC Subcenter Northeast Ohio PTAC Subcenter Toledo PTAC Subcenter Registering a Business Name ‘ww state ch.usisos! click on link to "business services" Workers Compensation vow bc state.ch us Federal Government U.S. Federal information Center (unlisted federsl agencies) yrww.rstgov gov USS. Copyright Office wow copyright gov U.S, Department of Education www ed gov USS. Environmental Protection Agency ww ep3 gov U.S. Equal Economic Opportunity Commission ww ee0c gov USS. Internal Revenue Service (|RS) wurw irs gov U.S. Department of Labor wirw.c01 gov U.S. Occupational Safety and Health Administration (OSHA) www osha gov U.S, Patent and Trademark Office vw uspio gov U.S, Securities and Exchange Commission www sec.aov Northern Ohio Resources Better Business Bureau www bob org Cleveland Public Library ww clevelandibrary org General Information Business & Economics Department General Reference Desk Cuyahoga County Planning Commission www planning.co.cuyahoga.oh us (consus data) Cuyahoga County Engineer wuw cuyctyensineers org (traffie counts for state and county roads) Growth Capital formerly COSE) won cose.org Greater Cleveland Partnership www gcpartnership.com (formerly Greater Cleveland Growth Association) Inventors Connection Northern Ohio Data And Information Service hip Inodisnet urban, ceuchio edulnosisindex shtml Northeast Ohio Area-Wide Coordinating Agency (NOACA) www noaca.org (800) 248-4040 (877) 767-3453 (216) 584.2204 (330) 672-9448 (440) 357-2204 (419) 243-8191, (877) 767-3453 (800) 644.6292 (800) 688-9889 (202) 707-3000 (800) 872-5327 (800) 621-3431 (800) 669-4000 (800) 829-1040 (66) 487-2365, (216) 522-3818 (800) 786-9198 (312) 353-7390 (216) 241-7678 (216) 623-2800 (216) 623-2927 (216) 623-2856 (216) 443-3700 (216) 348-3800 (216) 621-3300 (216) 621-3300 (216) 226-9681 (216) 687-2208 (216) 241-2414U.S. Smell Business Administration Cleveland District Office 1350 Eucic Avenue, Suite 211 Cleveland, Onio 44115-1815 Official Business Penalty for Private Use, $200—_—_—_—_—— From: ‘Abreu, Elizabeth Sent: Wednesday, March 11, 2009 1:33 PM To: Hernandez, Ana A. Subject: FW: Online Training-Free Ana Save this document. Liz From: Pontilo, Larry J. Sent: Wednesday, March 11, 2009 1:21 PM To: Abreu, Elizabeth Subject: Online Training-Free Liz a nine training free.doc Lary Lamy 9, Pontille Lender Relations Specialist (212-264-9494) New York District Office For a Business Resource Guide on line go to http://www.sbaguides.com (We) www sba gov (Weden espana) sat negocios gov The MY BIZ for Women Web site can be found at http://www.SBA.gov/women. To subscribe to our newsletter, Inside the New York District Office, goto hitp:Wweb sba.govlstFree Online Courses Cursos en Espanol = NEW COURSES: Note new starred courses provided by the PA SBDC at Kutztown University, South-West Texas SBDC, Maine SBDC, and ‘Trump University STS 4. The Beginning: Developing a Successtul Business Pi +. How to Write a Business Plan * 2 How to Start a Business ‘Trump Unversity 3. Starting Your Small Business* Business Plan Workshops 4 Business Pian Workshops Creating a Strategic Plan 5. Identity Your Target Market Business Plen Templates 6. Hot Shol Business Simulation - for Young Entrepreneur NE ton” PA SBOC - Kutztown University IBUSINESS MANAGEMENT EE 1, Managing the Digital Enterprise 2. Analyze Proftaity 41. Stops to Accessing Contracts & Subcontrzois 3 loping a Successful Business Plan 2 Guide to Government Contracts 4. Business Plan Workshops 5. Growth Strategies 6 Valuing a Business IRISK MANAGEMENT & CYBER SECURITY 7. Maintaining an Agile Company * eaadttennetinaes 1. E-Learning Center from the SBA and The Hanford! (En Espafol) 2 Computer Security GE 3. Sunwvi +. How 1o Find Star-up Funding * Eee ‘Trump University 2. Assessing Financial Needs * cue Texse 1. ding Your webste* 2 cue SouthWest Texas S80 4 Ribaumita 101 The Fundamental * 2 Managog te Oat Etegrse PA SBDC - Kutzlown Unversity EEE (GEES 41. Introduction 1o Federal Taxes for Small Businesses 4. Building Your Brand 2 Uncerstanging Taxes 2. Identify Your Target Market 3. Tax & Accounting Basics 3. Advertsing Your Business 4. Small Business Tax Workshoo 4. Promoting Your Business 5. Small Buisness Tax Center 5 E-Mail Maiketing 6. Small Business Tax Workshop (Para Espano!) 8 Marketing 101: The Fundamentals * PA SB0C - Kutztown University ‘Conduct a Marketing Analysis ” ISMALL BUSINESS RETIREMENT PA SBDC — Kutztown University 1. Retrement Planning BEDNAR Tn Ternarionat TRADE 4. Introduction to Environmental Stat Assess your Intemational Risk ‘Trade Mission Online ‘A.Prmer on Exporting Intemational Business Ooportunities http:/www.sba.gov/services/training/onlinecourses/index.htmlne From: Ross, Valerie J Sent: Thursday, July 08, 2010 8:50 PM To: igigglesandgab@ gmail.com’ Subject: Re: SBA letter | am so glad to hear how helpful SCORE has been. | will pass along the compliment to the counselors/volunteers, Val Ross Valerie J. Ross Branch Manager U.S. Small Business Administration 3330 Ginger Creek Drive, Suite B-East Springfield, IL 62711 217/793-5020, ext. 108 Fax 217/793-5025 From: Erin Soloman To: Ross, Valerie J. Sent: Wed Jul 07 19: ‘Subject: Re: SBA letter ‘Thank you for taking the time to email me back. | will definitely check out the SBA training courses. 51 2010 I can't say enough wonderful things about the SCORE representatives in Bloomington (Dorothy Kennett and John L. Sullivan). They were extremely knowledgeable, supportive and enthusiastic! Exactly what I needed! ‘Thank you again, Best regards, Erin Alsup-Soloman iggles & Gab gigglesandgab@gmail.com waww.gigglesandgab,webs.com On Wed, Jul 7, 2010 at 11:21 AM, Ross, Valerie J. wrote: Hello, We received your letter regarding the opening of your retail gift shop in Lincoln. am glad to see you are using your SBA resource, SCORE, to develop your business plan. If you will be secking financing from a financial institution for your business, SBA may also provide assistance at this stage through our guaranteed loan program, If a commercial lender 1would like a government guaranty on the business loan, they may apply to SBA for a guaranty of up to 85% of the loan. Here is information on this program: http://www.sba.gov/financialassistance /borrowers/index.htm] ‘Additionally, the SBA, offers a online courses on how to get started with a small business. The SBA training site at http://www.sba.gov/services/training/onlinecours es/index.html offers several start-up courses, including How fo Start a Business on a Shoestring Budget, offered in conjunction with Trump University. Valerie J. Ross, Branch Manager Erin Alsup-Soloman Giggles & Gab 217-737-9708 sgigelesandgab@gmail.com www.gigglesandgab.webs.comee From: Wilkerson, Carol R. Sent: Wednesday, February 16, 2011 4:09 PM To: Markowitz, Marianne O. Subject: SBA Elevator Pitch and Start Ups--Talking Points SBA Elevator Pitch © SBA provides small businesses the tools they need to grow and create jobs. «SBA programs are focused on providing small businesses with access to capital, opportunities in government contracting, and counseling and entreprencurial education, or the “Three C's": Capital, Contracting, Counseling ‘© SBA also provides low-interest loans to homeowners, renters and businesses of all economic recovery following natural disasters. to help spur local ‘© The Recovery Act engineered a significant tumaround in SBA lending—with nearly $500 million appropriated by Congress, SBA supported more than $20 billion in lending to small businesses between February 2009 and February 2010. The Recovery Act also put nearly $6 billion in government contracts into the hands of small businesses. ‘© SBA’s national network of counselors provides training and as: business owners and entrepreneurs a year. {ance to more than 1 million small ‘Small businesses are the engine of our economy. ‘They create nearly 65% of net new private sector jobs. More than half of all working Americans own or work for a small business, and small businesses lead the way in economic recovery, innovation, and global competitiveness. Please visit www.sba.gov or come into your local SBA office to see how we can help you. START UPS How to Start a Small Business By Starting and managing a business takes motivation, desire and talent. It also takes research and planning Like a chess game, success in small business starts with decisive and correct opening moves. And, although initial mistakes are not fatal, it takes skill, discipline and hard work to regain the advantage. To increase your chance for success, take the time up front to explore and evaluate your business and personal goals. Then use this information to build a comprehensive and well-thought-out business plan that will help you reach these goals. The process of developing a business plan will help you think through some important 1issues that you may not have considered yet. Your plan will become a valuable tool as you set out to raise money for your business. It should also provide milestones to gauge your success. The SBA, through a relationship with My Own Business, offers a special online course on how to get started with a small business. Visit the Web site at http://www. myownbusiness.org/course_ sba.html, The SBA training site at http://www. sba.gov/services/training/onlinecourses/index.htm! offers several other start-up courses, including How to Start a Business on a Shoestring Budget, offered in conjunction with Trump University Before starting out, list your reasons for wanting to go into business. Some of the most ‘common reasons for starting a business are wanting to be your own boss, wanting to attain financial independence, wanting more creative freedom and wanting to be able to fully exploit your talents and skills. Next you need to determine what business is “right for you.” Ask yourself afew questions, such as: ‘+ What do | like to do with my time? ‘+ What technical skills have | learned or developed? * What do others say | am good at? + How much time do ! have to run a successful business? + Do I have any hobbies or interests that are marketable? Then you should identify the niche your business will il. Conduct the necessary research to answer these questions + Ismy idea practical and will it fila need? + What is my competition? + What is my business advantage over existing firms? + Can deliver a better quality service? + Can | create a demand for your business? The final step before developing your plan is the pre-business checklist. You should answer these questions: + What business am | interested in starting? + What services or products will | sell? Where will | be located? + What skills and experience do | bring to the business? + What will be my legal structure? + What will | name my business? + What equipment or supplies will | need? + What insurance coverage will be needed? + What financing will I need? + What are my resources? + How will compensate myself? Your answers will help you create focused, well-researched business plan that should serve as a blueprint. It should detail how the business will be operated, managed and capitalized. For a broad discussion on start-up business topics, visit the SBA Web site at http://www. sba.gov/startn index. htm eeeeee From: Fernandez, Jerry T. Sent: Wednesday, August 28, 2013 12:35 PM To: Wicker, Johnathan R, Subject: FW: Non-strategic partnerships Johnathan, When you have a moment, please check to see that the trump course (?) is not on our site. If itis, let me know, and I'l work to get it removed. Jerry T. Fernandez | Instructional Designer | SBA, Office of Entrepreneurship Education | 202.205.2276 -~-Original Message From: Bienko, John J Sent: Wednesday, August 28, 2013 11:16 AM To: Thrasher, Ellen M.; Fernandez, Jerry T. Subject: Re: Non-strategic partnerships | believe its off but good to double check since ecourses having been coming and going with OEE input at times. JACK BIENKO | U.S. SBA HQ | @bienko Mobile typing in action ... please excuse any brevity or typos. This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to which they are addressed for intended purposes. Reuse or sharing of this information requires permission of the author. Original Message From: Thrasher, Ellen M. Sent: Wednesday, August 28, 2013 11:14 AM To: Bienko, John J; Fernandez, Jerry T. Subject: RE: Non-strategic partnerships In fact there is no longer a Trump University. Let's remove soonest! Original Message~ From: Bienko, John J,Sent: Wednesday, August 28, 2013 9:49 AM To: Thrasher, Ellen M.; Fernandez, Jerry T. Subject: Non-strategic partnerships In the category of "don't fall for partnership invites too quickly”, NYS is now suing Trump Univ for their bogus ‘educational courses (infomercials packaged as education). The former Trump U e-course should be off our site. JACK BIENKO | U.S. SBA HQ | @bienko Mobile typing in action ... please excuse any brevity or typos, ‘This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to which they are addressed for intended purposes. Reuse or sharing of this information requires permission of the author.From: Wicker, Johnathan R. Sent: Wednesday, August 28, 2013 1:11 PM To: Fernandez, Jerry T Subject: RE: Non-strategic partnerships ‘The course "How to start a business on a shoestring budget" is not live on our site, Original Message From: Fernandez, Jerry T. Sent: Wednesday, August 28, 2013 12:35 PM To: Wicker, Johnathan R. Subject: FW: Non-strategic partnerships Johnathan, When you have a moment, please check to see that the trump course (?) is not on our site. If its, let me know, and I'll work to get it removed. Jerry T, Fernandez | instructional Designer | SBA, Office of Entrepreneurship Education | 202.205.2276 ---Original Message- From: Bienko, John J Sent: Wednesday, August 28, 2013 11:16 AM To: Thrasher, Ellen M.; Fernandez, Jerry T. Subject: Re: Non-strategic partnerships | believe its off but good to double check since ecourses having been coming and going with OEE input at times. JACK BIENKO | U.S. SBA HQ. | @bienko Mobile typing in action ... please excuse any brevity or typos. This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to which they are addressed for intended purposes. Reuse or sharing of this information requires permission of the author. Original Message ~ From: Thrasher, Ellen M,Sent: Wednesday, August 28, 2013 11:14 AM To: Bienko, John J.; Fernandez, Jerry T. Subject: RE: Non-strategic partnerships In fact there is no longer a Trump University. Let's remove soonest!! Original Message From: Bienko, John J Sent: Wednesday, August 28, 2013 9:49 AM To: Thrasher, Ellen M.; Fernandez, Jerry T. Subject: Non-strategic partnerships In the category of "don't fall for partnership invites too quickly", NYS is now suing Trump Univ for their bogus ‘educational courses (infomercials packaged as education). The former Trump U e-course should be off our site JACK BIENKO | U.S. SBA HQ | @bienko Mobile typing in action ... please excuse any brevity or typos. This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to which they are addressed for intended purposes. Reuse or sharing of this information requires permission of the author.EE EEEIEIEEEEEEEEEEE EEE Bienko, John J Wednesday, August 28, 2013 2:14 PM Ferandez, Jerry T, Thrasher, Ellen M. Re: Non-strategic partnerships Thanks, We'd hate to upset The Donald! :) JACK BIENKO | U.S. SBA HQ | @bienko Mobile typing in action ... please excuse any brevity or typos. This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to which they are addressed for intended purposes. Reuse or sharing of this information requires permission of the author. Original Message From: Fernandez, Jerry T. Sent: Wednesday, August 28, 2013 02:08 PM To: Bienko, John J.; Thrasher, Ellen M. Subject: FW: Non-strategic partnerships FYL Jerry T. Fernandez | Instructional Designer | SBA, Office of Entrepreneurship Education | 202.205.2276 =~-Original Message From: Wicker, Johnathan R. Sent: Wednesday, August 28, 2013 1:11 PM To: Fernandez, Jerry T. Subject: RE: Non-strategic partnerships The cours "How to start a business on a shoestring budget is not live on our site. Original Message----- From: Fernandez, Jerry T. Sent: Wednesday, August 28, 2013 12:35 PMTo: Wicker, Johnathan R. Subject: FW: Non-strategic partnerships Johnathan, When you have a moment, please check to see that the trump course (?) is not on our site. If itis, let me know, and I'l work to get it removed. Jerry T. Fernandez | instructional Designer | SBA, Office of Entrepreneurship Education | 202.205.2276 Original Message~--- From: Bienko, John J Sent: Wednesday, August 28, 2013 11:16 AM To: Thrasher, Ellen M.; Fernandez, Jerry T. Subject: Re: Non-strategic partnerships | believe its off but good to double check since ecourses having been coming and going with OEE input at times. JACK BIENKO | U.S. SBA HQ | @bienko Mobile typing in action ... please excuse any brevity or typos. This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to which they are addressed for intended purposes. Reuse or sharing of this information requires permission of the author. Original Message From: Thrasher, Ellen M. Sent: Wednesday, August 28, 2013 11:14 AM To: Bienko, John J,; Fernandez, Jerry T. Subject: RE: Non-strategic partnerships In fact there is no longer a Trump University. Let's remove soonestl! Sent: Wednesday, August 28, 2013 9:49 AM To: Thrasher, Ellen M.; Fernandez, erry T Subject: Non-strategic partnerships In the category of "don't fal for partnership invites too quickly", NYS is now suing Trump Univ for their bogus educational courses (infomercials packaged as education). The former Trump U e-course should be off our site. 2—————— — —— —— —— Harris, H. Yolanda Thursday, September 05, 2013 2:15 PM Wales, Mina A Subject: OED GIFTS, COSPONSORSHIPS & EXTERNAL AGREEMENTS Attachments: (OED-EXECUTED COSPONSORSHIPS FY05-13 xls; OED-EXTERNAL AGREEMENTS FY06-13.xls; OED-GIFT LOG FYO6-FY13.xIsOffice of Entrepreneurial Development Cosponsorship Summary FY 05 - FY 13 aan ELE: os ee pests | es ama | names BE el = = dant 258 wera | tended amo | sans a ee ie er Minn It euttone 07-7630-02 | Executed | _HQ/OED - Trump 250000 12/1/2008 $16,000 remit fd oo | swam | AOffice of Entrepreneurial Development Cosponsorship Summary FY 05 - FY 13. ‘Authorization Program/Field Office - Businesses | Date Fully # Status ‘Cosponsor(s) Date of Proposed Event | Assisted | Executed | Amount Ha/OED 07-7630-13_| Executed Apt 26, 2007 150 March, 2007 - January 31 07-7630-18 | Executed| __HO/OED 2009 H/OED-1 March 1, 2007 - September -7630-23_| Executed 30, 2008 20,000 HQIOED 7630.33_| Executed __ May 21, 2007 100 Hoge! 07-7630-42_| Executed July 22, 2007 500. 5/14/2007, HQIOED. ong Executed ‘September 30, 2008, 500 972712007 National im Entrepreneurship Week 08.0630-32_| Executed Kickoft February 25, 2008 500 211512008 November 1, 2007, 08.7630-01_| Executed HOO SE Training Module 250,000 _| 10/16/2007 Ha/oED Disaster Preparedness | November 1, 2007 - April 08.7630-02_| Executed ide 30, 2008 25,000 _| 102212007 HO/OED 08.7630-68_| Executed 24, 2008, 500 42212008 Ho! uly 1 - September 20, 08-7630-74_| Executes 2008 900. 5/19/2008Office of Entrepreneurial Development Cosponsorship Summary FY 05 - FY 13 Authorization ProgramiField Office - Businesses | Date Full # Status ‘Cosponsor(s) Date of Proposed Event | Assisted | Executed | Amount Ha/owBo 2008 Post Awards raining June 23-25, 2008 250 08-7661-75 08-7630-82 July 28, 2008 650. 5123/2008 08-7661-80 Sept. 29- Oe 2008 | 300 52972008 Closing Reception, Global Entrepreneurship} Executed November 21, 2008 150 1112/2008, H/OED| January 27, February 3, Cyber Security Is Good | Feburary 5, 2008 (6 09-76: Bec Business additional dates TBA) 900 1115/2009 tion of small business of technology to achieve! 10-7630-140_| Executed HOVED. business goals | July 2010- July 2012 _| 5,000-7.000 | _ 6/30/2010 NY Small Business | Lending Forum ar Hoe - ‘Luncheon, September 8, 2010 100 8/31/2010 10-7630-166 | Exec SBA Women's eneurial Summit | July 2014 2011 150 62772011Office of Entrepreneurial Development Cosponsorship Summary FY 05 - FY 13 Taare PromanFiad Ome! aoeees | aay a oa cone Nar of aches st Propane Event | Passio | Exacta | Vala Womens Business centr Arua! Tang 117600104 |ereated| —_Hoco- I |°Cotroence "| septenper 10.21.2011 | a0 Womens Business comer Arua! Tamnog HQIOED -INISCORE, West \egria DO Attest Vege DO Charest, Wyeing 69, Spacuse 00, Phiedepia DO. New Jey 3, New Yor DO, Nem Moses DO, Minnesota GO, Mane DO Pornd Wane DO Wicasel, Lower Ro Grand Vly D0 Corps Ch owe rane Valay DO roy, Ranese Coy BO Top, Oo Spi Cavencoeewa DO Ames, iowa | Encore DO Deo Mowes,Akonsas DO Now | _Entoprencurship 12.7630.141 | exoaea | Cie Hock Atanees DO Pe St we ober 2, 2012 wa | onsroraEEE Wales, Mina A. ‘Wednesday, September 11, 2013 4:44 PM T Montgomery, Tameka S. Subject: Office of Entrepreneurial Development Outreach Initiatives Attachments: (OED-EXTERNAL AGREEMENTS FY06-13.xls; OED-GIFT LOG FYO6-FY13.xls; OED- EXECUTED COSPONSORSHIPS FYO5-13.xis From: Ser Tameka, | apologize for the delay in sending the attached files to your attention. | was out of the office and just returned today. Attached is a snapshot of OED's external agreements, gifts and cosponsorship agreements executed over the past few years (FY'06 - present). if you have specific questions or would like to obtain a copy of an agreement please feel free to contact me directly. Please note that copies of the attached files were also provided to Jonathan Wicker of your staff per his request last week. {'m available for coffee/tea on Friday if your schedule permits. Thank you, Mina A. Wales Deputy Assistant Administrator Office of Communications and Public Liaison U.S. Small Business Administration Ofc. (202) 205-7180 Fax (202) 481-4646 mina.wales@sba.govrent External Agreements Summary FY 06 - FY 13, Torte Sera oe sani ocd Seni oe sea oosepe BEANO OEDOffice of Entreprer rial Development Gift Summary FY 06 - FY 12 Haroo DONOR DESCRIPTION OF GIFT ACTIVITY! FULLY EXECUTED] _AMOUNT| lHonwec promote the economic parte ev2019) October 19,2021 5. 2012.hune 25, 20%4| 412072010 cated vith November 1,2006| May 14,2008) 1132009 511372004) 3.2004 api 3, 2008| s128/2008|Office of Entrepreneurial Development Gift Summary FY 06 - FY 12 Haro [DONOR JDESCRIPTION OF GIFT DRTE OF PROPOSED] ACTITY| ruu.y executed] -amount| Jonowrec Honwac th 9 Town Hal meting fo ‘ri 3, 2008| ‘pi 3, 2008 sx2ar0ce| sx2s2009 ____suy 18:21, 2007 1252007) une 6, 2007| ‘1202007 January 25,2006Office of Entrepreneurial Development Cosponsorship Summary FY 05 - FY 13 ‘Authorization ProgramiField Office - Date Fully # Status ‘Cosponsor(s) Date of Proposed Event | Assisted | Executed | Amount February 2006 - August 31 05.6010-71_| Executed 2007 25000 21812008 05.7630-03_| Executed 2005 May 1, 2008-September 30 06.7630-58_| Executed 2010 100,000 g 06-7630-72_| Executed July 30. 2006 450 06-7630.76_| Executed October 5-6, 2006 300. 972712006 ‘September 1, 2006 - 06-7630-78_| Executed September 30,2008 | _200,000_| #1812006 February 1, 2007- 06.7620.89 | Executed December 31, 2008 100,000 2007 06.7630-83_| Executed 250,000 | 9/29/2008 07-7630.01_| Executed 0000 _| 12/1/2006 07-7630.02_| Executed | _HO/OED - Trump University. Inc 250000 _| 12/2006 | _ $16,000 07-7630-06_| Executed 200 ‘9/2007Office of Entrepreneurial Development Cosponsorship Summary FY 05 - FY 13 (aunoraton ProgramiField Office - Businesses | Dato Fully # Status compensate) ame of activiylevent| Date ofProposed Event | Assisted | Executed _| Amount save] 07-763013_| Exon 150 | _snorc07 Marc, 2007 - January 31 07-7630-18_| Executed wo) —_—s 2009 20,000 3/12/2007 WwoioeD tare 1,2007 - September 07-7630-23 | Executed 30, 2008 20.000 _| _avt6r2007 HoI0E 07-7630.33_| Executed Way 21,2007 1o0__|_sitsr2007 Ha/0ED o7-7600.42 _| Executes 500 | sitara007 1a/OED) Ongoing trough 07-7690-72_| Executed sepiamber 30,2008 | s00__| _sz7re007 HaIOED 08.0630.32_| Executed | February 25,2008 soo | _artsr2008 November 1, 2007 00.765001 |oeated| occ Ceober 31,2008 | 250.000 | so/e2007 Hgioep Noverer 1, 2007 08-763002_| Executed 30,2008 25.000 _|_1o7a;007 HQIOED 08.7620.68 | Executed on 24, 2008 soo | 42272008 Kars! Cyber Securityis Good | July 1- September 20, 08-7630-74 | Executed Business 2008 coo | si1872008Office of Entrepreneurial Development Cosponsorship Summary FY 05 - FY 13 ‘Authorization ProgramiField Office Businesses # Status Cosponsor(s) Name of activitylevent | Date of Proposed Event | Assisted ‘Amount 23-25. 2008 250 6/13/2008 Ha/OWBO 08.7661-75 _| Executed HOB! 10-82 _| Executed on. Jy 28, 2008 eso | sexo |_ Closing Rec iobal ent 09-763005 | ecuted | Hoc | weeks Noverber21,2008 | 180 | 11127008 Hoo January 27, February 3, cyber Securtys Good | "Febery 5 2000 Eeuted Sucre scconalcaen Tox) | 900 | 17152000 ro7es0-40 | esecues| oo business goals uly 2010-July 2012 _| 5,000-7,000| 6/30/2010 10-7630-166 | Executed xoco Summit] Juy 2011 - December 11762014 [executes] voce AT Series or 1s0_|_eaza011 September 8, 2010 100 8/31/2010Office of Entrepreneurial Development Cosponsorship Summary FY 05 - FY 13 ‘Authorization ProgramiField Office - Businesses | Date Fully Status Cosponsor(s) Name of activitylevent| Date of Proposed Event | Assisted | Executed | Amount Women's Business (Centers Annual Training| 11-7630-144 | Executed oo as Conference September 19-21, 2011 230 7182011, Women's Centers Ann Becued| Hoowso Conference uly 16-18, 2012 300 T0202 HO/OED - SMScorE, West Virginia DO Beckley, West Virginia DO Charleston, Wyoming DO, ‘Syracuse DO, Philadelphia DO, New ‘Jersey DO, New York DO, New Mexico DO, Mi DO Portland, Maine DO Wiscasset, Lower Rio Grande Valley DO Corpus Christi, Lower Rio Grande Val Edinburg, Kansas Kansas City DO For | D0 Springtea Carbondale, lowa DO Ames, lowa Encore DO Des Moines, Arkansas D0 North | Entrepreneurship 12.7630-141 | Executed | Little Rock, Arkansas D0 Pine tative NA gn12012EEE From: Wilkerson, Carol R. Sent: Thursday, December 04, 2014 6:16 PM To: Howard, Rachel W; Hatch, Christopher J Subject: Media Kits Attachments: 1-Starting a small business S-final.doc Rachel/Chris Can you also have media kits available for the press at the events? We also have a kit for the Spanish-language media. 1m attaching a few pieces that we had for the Spanish kit. In general | just include a local resource guide, advisory and 1-pager on the SBA event topic (i.e, Destination HUBZone). Carol R. Wilkerson Deputy Director/Team Leader, Press Office USS. Small Business Administration 0: 202-205-8520 BB: 202-270-3876 Press Office: http://www.sba.gov/newsroom Twitter | Foursquare | YouTube | Facebook | Linkedin | Email Alerts | GoogleUS, Small Business Administration Cémo comenzar una pequefia empresa Es necesario tener la motivacién, el deseo y el talento para comenzar y administrar una empresa, También es necesario investigar y planificar. Como en una partida de ajedrez, el éxito de la pequefia empresa se inicia a partir de movimientos decisivos y correctos en la apertura. Y, si bien los errores iniciales no tienen consecuencias funestas, hace falta habilidad, disciplina y mucho trabajo para recuperar la ventaja. Con el fin de aumentar las probabilidades de tener éxito, tsmese el tiempo para estudiar y evaluar sus objetivos personales y comerciales. Después, utilice esa informacién para preparar un plan de negocios integral y bien desarrollado que lo ayude a lograr esos objetivos. El proceso que implica desarrollar un plan de negocios lo ayudara a planificar detenidamente algunas cuestiones importantes que quizds no haya contemplado todavia. Su plan de negocios se transformard en una herramienta valiosa en la medida en que se proponga ganat dinero con su empresa, También deberd fijar marcas que le permitan evaluar el éxito, La SBA, a través de una relacién eon Mi propio negocio, ofrece un curso especial interactivo acerca de cémo formar una empresa pequetia. Visite el sitio web en http://Avww.myownbusiness.org/course_sba.html. El sitio web de la SBA http://sba.gov/services/training/onlinecourses/index.himl ofrece otros cursos sobre eémo iniciar un negocio, incluyendo Cémo Iniciar un Negocio con un Presupuesto Limitado, que se ofrece en colaboracién con Trump Universit Antes de comenzar, enumere las razones por las que desea montar una empresa, Algunas de las razones mas habituales para iniciar una empresa son el deseo de ser su propio jefe, de adquirir independencia financiera, de tener mas libertad creativa, y de poder explotar su talento y capacidad cabalmente. Lo siguiente que necesita definir es qué empresa es la “adecuada para usted”. Hagase algunas preguntas, tales como: © {Qué me gusta hacer con mi tiempo? {Qué habilidades técnicas he aprendido o desarrollado? {En qué me destaco segtin otras personas? {Cudnto tiempo tengo para administrar una empresa exitosa? {Tengo algin pasatiempo o interés que sea comercializable?Después, usted debe identificar el nicho que ocupara su empresa, Realice la investigacién necesaria para responder las siguientes preguntas: {Es prictica mi idea? ;Satisface una necesidad? © (Cua es mi competencia? © {Cul es mi ventaja comercial con respecto a las compaiias existentes? © (Puedo brindar un servicio de mejor calidad? © (Puedo crear una demanda para el negocio? El Gitimo paso antes de desarrollar su plan ¢s la lista de control previa al inicio de la empresa. Debe responder las siguientes preguntas: © ,Qué empresa me interesa iniciar’ {Qué servicios o productos venderé? ,En qué lugar estaré ubicada? {Qué habilidades o experiencia aporto a la empresa? {Cual serd mi estructura legal? {Qué nombre pondré a mi empresa? {Qué equipos o suministros necesitaré? {Qué cobertura de seguros sera necesaria? © {Qué financiacién necesitaré? © 2Cuales son mis recursos? © {Qué tipo de compensacién recibiré? Las respuestas lo ayudaran a crear un plan de negocios centrado y bien investigado que debe servir como programa, Debe detallar cémo funcionard, administrara y capitalizara la empresa. Para obtener informacién acerca de un debate profundo sobre temas relacionados con la puesta en marcha de una empresa, visite el sitio web de la SBA en hitp://www.sba.gov/starting_business/index.html. anei From Wilkerson, Carol R. Sent: Thursday, December 04, 2014 6:18 PM To: ress, Lola; Gibson, Mark D. Subject: Media Kits ‘Attachments: L-Starting a small business S-final doc Hey Lola and Mark know you know this already®--but was informed to get the message out to all. Can you have media kits available for the press at the events? We also have a kit for the Spanish-language media. I'm attaching a piece that we had for the Spanish kit (we used for SBS). In general | just include a local resource guide, advisory and 1-pager on the SBA event topic (ie, SBIR, contracting, etc)...‘ Thanks Carol Carol R. Wilkerson Deputy Director/Team Leader, Press Office US. Small Business Administration (0: 202-205-8520 BB: 202-270-3876 Press Office: http://www,sba.gov/newsroom ‘Twitter | Foursquare | YouTube | Facebook | Linkedin | Email Alerts | GoogleUS, Small Business Administration Cémo comenzar una pequefa empresa Es necesario tener la motivacién, el deseo y el talento para comenzar y administrar una empresa, También es necesario investigar y planificar. Como en una pattida de ajedrez, el éxito de la pequefta empresa se inicia a partir de movimientos decisivos y correctos en la apertura. Y, si bien los errores iniciales no tienen consecuencias funestas, hace falta habilidad, disciplina y mucho trabajo para recuperar la ventaja. Con el fin de aumentar las probabilidades de tener éxito, tomese el tiempo para estudiar y evaluar sus objetivos personales y comerciales. Después, utilice esa informacion para preparar un plan de negocios integral y bien desarrollado que lo ayude a lograr esos abjetivos, El proceso que implica desarrollar un plan de negocios lo ayudara a planificar detenidamente algunas cuestiones importantes que quizs no haya contemplado todavia. Su plan de negocios se transformard en una herramienta valiosa en la medida en que se proponga ganar dinero con su empresa. También debera fijar marcas que le permitan evaluar el éxito. La SBA, a través de una relacién con Mi propio negocio, oftece un curso especial interactivo acerca de e6mo formar una empresa pequefia. Visite el sitio web en httpy/Wwww.myownbusiness.org/course_sba.html. El sitio web de la SBA htip://sba.gow/services/training/onlinecourses/index.html ofrece otros cursos sobre como iniciar un negocio, incluyendo Cémo Iniciar un Negocio con un Presupuesto Limitado, que se ofrece en colaboracién con Trump University. ‘Antes de comenzar, enumere las razones por las que desea montar una empresa. Algunas de las razones mas habituales para iniciar una empresa son el deseo de ser su propio jefe, de adquirir independencia financiera, de tener mas libertad creativa, y de poder explotar su talento y capacidad cabalmente Lo siguiente que necesita definir es qué empresa es la “adecuada para usted”. Hégase algunas preguntas, tales como: {Qué me gusta hacer con mi tiempo? {Qué habilidades técnicas he aprendido o desarrollado? GEn qué me destaco segtin otras personas? {Cudnto tiempo tengo para administrar una empresa exitosa? {Tengo algan pasatiempo o interés que sea comercializable?Después, usted debe identificar el nicho que ocupara su empresa, Realice la necesaria para responder las siguientes preguntas: « {Es practica mi idea? ¢Satisface una necesidad? {Cuil es mi competencia? {Cul es mi ventaja comercial con respecto a las compaiias existentes? @Puedo brindar un servicio de mejor calidad? {Puedo crear una demanda para el negocio? westigacion El ultimo paso antes de desarrollar su plan es la lista de control previa al inicio de la empresa. Debe responder las siguientes preguntas: {Qué empresa me interesa iniciar? {Qué servicios o productos venderé? {En qué lugar estaré ubicada? {Qué habilidades o experiencia aporto a la empresa? {Cual serd mi estructura legal? {Qué nombre pondré a mi empresa? {Qué equipos o suministros necesitaré? {Qué cobertura de seguros sera necesaria? {Qué financiacién necesitaré? {Cues son mis recursos? {Qué tipo de compensacidn recibiré? Las respuestas lo ayudaran a crear un plan de negocios centrado y bien investigado que debe servir como programa, Debe detallar cémo funcionara, administrara y capitalizara la empresa. Para obtener informacién acerca de un debate profundo sobre temas relacionados con la puesta en marcha de una empresa, visite el sitio web de la SBA en© ;Puedo erear una demanda para el negocio’ Fl iltimo paso antes de desarrollar su plan es la lista de control previa al inicio de la empresa. Debe responder las siguientes preguntas: {Qué empresa me interesa iniciar? {Qué servicios o productos venderé? {En qué lugar estard ubicada? {Qué habilidades o experiencia aporto a la empresa? {Cul seré mi estructura legal? Qué nombre pondré a mi empresa? {Qué equipos 0 suministros necesitaré? {Qué cobertura de seguros serd necesaria? {Qué financiacién necesitaré? {Cuiles son mis recursos? {Qué tipo de compensacién recil Las respuestas lo ayudaran a crear un plan de negocios centrado y bien investigado que debe servir como programa. Debe detallar e6mo funcionard, administrard y capitalizara la empresa. Para obtener informacion acerca de un debate profuundo sobre temas relacionados con la puesta en marcha de una empresa, visite el sitio web de la SBA en business/index.html. aHePlanificar el camino con un plan de negocios Por. Usted no iniciaria una caminata a campo traviesa sin un mapa; entonces, ,por qué querti intentar poner en marcha una empresa sin un plan de negocios? Un plan de negocios precisamente define su empresa, identifica los objetivos y sirve ‘como curriculo de su compafia. También ayuda en la asignacién adecuada de recursos, el manejo de complicaciones imprevistas y la toma de buenas decisiones comerciales. Debido a ue brinda informacién especifica y organizada sobre su compania y sobre el modo en que usted devolverd el dinero prestado, un buen plan de negocios es una parte importantisima de cualquier solicitud de préstamo. Ademés, informa al personal de ventas, proveedores y otros sobre sus ‘operaciones y objetivos. No esta de mas insistir acerca de la importancia de un plan de negocios integral y serio. Uno de los mayores beneficios es que armar un plan fuerza a sentarse y planificar exactamente cémo espera hacer que su idea de empresa sea exitosa. Gran parte depende de ello: la financiacién externa, el crédito de los proveedores, la administracién de las operaciones y finanzas, la promocién y la mercadotecnia de su empresa, y el logro de las metas y objetivos. A pesar de la importancia fundamental de un plan de negocios, muchos empresarios se muestran reacios a la hora de preparar un documento por escrito, Alegan que el mercado cambia demasiado répido como para que un plan de negocios sea titil o que ellos simplemente no tienen tiempo suficiente. Pero de la misma manera que un constructor no comenzard a edificar sin un plano, los impacientes propietarios de negocios no deberian precipitarse a llevar adelante nuevas operaciones comerciales sin un plan de negocios. Antes de comenzar a escribir el plan de negocios, usted debe hacerse cuatro preguntas fundamentales. {Qué servicio o producto offece su empresa y qué necesidades satisface? {Quiénes son los potenciales clientes de su producto o servicio, y por qué se lo compraran a usted? {De qué manera Ilegara a sus potenciales clientes? {De dénde va a obtener los recursos financieros para iniciar su empresa? Si bien no hay una Gnica formula para desarrollar un plan de negocios, algunos ‘componentes son comunes a todos los planes de negocios. Su plan deberia comenzar con una portada, una declaracién del propésito comercial y un indice. Luego, prosiga con una seecién sobre su idea de empresa: describa su empresa, comente cémo planea comercializarla, analice la competencia, describa el tipo de procedimiento operativo que planea cumplir, analice sus planes de tener empleados, y como planea contratarlos y capacitarlos, y describa la propuesta para asegurar su empresa Después, querra ofrecer informacién financiera detallada, en la que se incluya las solicitudes de préstamos que usted presentard, una lista de los equipos y suministros que necesitara junto con su precio, un balance general que muestre sus activos y sus deudas, un anilisis de cuanto le tomar equilibrar las cuentas, y una proyeccién del ingreso de su empresa que incluya ganancias y pérdidas anticipadas.Sus datos financieros también deben organizarse en un extracto de tres afios, con proyecciones detalladas del flujo de caja u efectivo, organizadas mensualmente para el primer afio y trimestralmente para el segundo y el tercer afio, Asegiirese de incluir un andlisis de las presunciones sobre las que basa esas proyecciones. ‘Asimismo, debe incluir un resumen ejecutivo con una sintesis del plan, y debe estar en condiciones de adjuntar documentos que acrediten lo expuesto y proyecciones financieras. Entre esos documentos, debe incluir el curriculum y la declaracién de impuestos de los principales propietarios de los tres afios anteriores, una copia del acuerdo de franquicia si su empresa es una franquicia, copias de los acuerdos de arrendamiento o de compra para el lugar de la empresa, copias de las licencias u otros documentos legales y copias de las cartas de intencién de proveedores y de clientes conocidos. Puede obtener una guia detallada para elaborar un plan de negocios s6lido en el sitio web de la SBA en http://www, sba.gov/starting_business/index.htm|. También hay muchas otras guias sobre como escribir un plan de negocios disponibles en el sitio web de la SBA en http://www,sba,gov/tools/resourcelibrary/publications/index. htm! HadCémo financiar su empresa ~ Fundamentos Por. Aunque la mala administracién se cita como la causa mis frecuente del fracaso comercial, la financiacién inadecuada o inoportuna se ubica en un cercano segundo lugar. Tanto si pone en marcha una empresa como si la amplia, es fundamental contar con suficiente capital en efectivo. Antes de informarse sobre la financiacidn, pregiintese lo siguiente: # @Necesita mas capital o puede administrar de manera més eficaz el flujo de efectivo existente? ‘+ {Cémo define su necesidad? ;Necesita el dinero para expandirse 0 como una proteccién contra el riesgo? # {Qué urgencia tiene su necesidad? Puede obtener mejores condiciones si se anticipa a las necesidades, en lugar de busear dinero bajo presion. © ,Qué magnitud tienen los riesgos? Todas las empresas conllevan riesgos, y el nivel del riesgo afectara el costo y las alternativas de financiacién disponibles. ‘© En qué punto de desarrollo esta la empresa? Las necesidades son més importantes durante las etapas de transicién. © A qué se destinara el capital? Todos los prestamistas exigirn que el capital se solicite para necesidades muy concretas. © @Cuil es el estado de la industria? Condiciones de produecién deprimidas, estables o de crecimiento requieren distintos enfoques respecto de la necesidad y el origen del dinero. Con frecuencia, las empresas que prosperan mientras otras se encuentran en declive obtienen mejores condiciones de financiacién. ‘« 4Su empresa es estacional o ciclica? En general, las necesidades estacionales de financiacion son a corto plazo. La anticipacién de préstamos para las industrias ciclicas, tales como la construccién, esta concebida para apoyar una empresa a través de periodos de depresién. # {Cuan s6lido es su equipo administracién? La administracién es el elemento mas importante que evaltian las fuentes de dinero. © Quizds lo que es mas importante, emo combina su necesidad de financiacién con el plan de negocios? Si no tiene un plan de negocios, escriba uno. Los prestamistas, querran ver su plan de negocios para el inicio y el crecimiento de su empresa antes de finaneiarla, Existen dos categorias generales de financiacién: Ia financiacién por inversién de activos netos y financiacién mediante deuda. Cuanto mas dinero 0 activos netos haya invertido en su empresa, mas sencillo sera atraer financiacién. Si su compafia tiene una relacién alta de los activos netos invertido con respecto a la deuda, probablemente deba buscar financiacién de deuda, Sin embargo, si su compaiia tiene una proporcidn alta de la deuda con respecto a los activos netos, debe aumentar sus activos netos antes de pedir més dinero prestado. De esa manera, no se sentird tan presionado como para poner en riesgo la supervivencia de su compaitia Existen muchas fuentes de financiacién por deuda: los bancos, las asociaciones o cajas de ahorros y préstamos, las compahias financicras comerciales y la SBA son las mis eomunes.Muchos gobiernos estatales y municipales tienen programas de préstamo para pequefias empresas. Los miembros de la familia, los amigos y los socios anteriores son todos potenciales, fuentes de recursos, especialmente cuando los requisitos de capital son menores. Tradicionalmente, los bancos han sido la mayor fuente de financiamiento de la pequefia empresa. La funcién principal que han cumplido fue la de un prestamista a corto plazo que ofrece los eréditos demandados, las lineas de crédito estacional y los créditos con un propésito definido para maquinaria y equipos. En general, los bancos han sido reacios a oftecer créditos a largo plazo a las compatiias pequeiias. El programa de préstamos garantizados de la SBA alienta a los prestamistas que son bancos y a los que no lo son a otorgar eréditos a largo plazo para las compaitias pequeiias mediante la reduccidn del riesgo y el uso més efectivo de los fondos disponibles. Para obtener mas informacidn acerca de los programas de préstamo de la SBA, visite http://www.sba.gov/financing/index.htm|. Si bien los capitalistas de riesgo son las fuentes de recursos mas habituales, pueden obtenerse activos netos adicionales de inversionistas no profesionales, como amigos, familiares, cempleados, clientes o colegas de la industria. La mayoria se especializa en una sola industria 0 ‘en un tipo de industrias estrechamente vinculadas. La mayoria de los capitalistas de riesgo prefieren compaiiias de tres a cinco afios de antigiiedad que tengan el potencial para transformarse en grandes empresas regionales 0 nacionales y que cuenten con un rendimiento de las ganancias mayor que el promedio. Usted puede contactarse con esos inversionistas directamente, aunque por lo general realizan sus inversiones a través de recomendaciones. La SBA otorga licencias a Compaitias de Inversién para Pequefias Empresas, que invierten capital de riesgo en pequefias empresas. Para ‘obtener mas informacién, consulte el sitio web hitp:/Avww,sba gov/services/financialassistance/equitycapital/investment/index. htm] HeeCémo obtener capital Por Pregintele a cualquier empresario, real o potencial, cual es el mayor obsticulo para el lanzamiento o el crecimiento de su empresa, y la respuesta sera ripida y certera: el dinero. No hay lugar a dudas, en caso de que hubiera alguna, de que obtener capital para financiar eb-riesgo-empresarialsu negocio es la actividad empresaria mas fundamental importante de todas. También puede ser la mas frustrante si no sabe cémo ni dénde obtenerlo, aunque no necesariamente debe ser asi. Obtener capital puede ser una experiencia agradable y gratificante si usted evalia esta cuestién con diligencia y planifica de manera efieaz-efectiva. Por muy obvio que parezea, lo primero que necesita saber antes de comenzar la busqueda de dinero es cuanto necesita. En ese caso, nuevamente, un plan de negocios minucioso ser fundamental para determinar las necesidades financieras. Una vez. que defina cudnto dinero necesita, existen varias fuentes de recursos que debe analizar al momento de buscar financiamiento. Es importante analizar todas las alternativas antes de tomar una decisién. Ahorros personales: La fuente de capital primaria para la mayoria de las empresas nuevas proviene de ahorros y otros recursos personales. Si bien con frecuencia se utilizan las, tarjetas de crédito para financiar las necesidades de la empresa, normalmente existen opciones mejores y menos onerosas disponibles, aun para préstamos muy pequeiios, Amigos y familiares: Muchos empresarios se apoyan en recursos privados, como amigos y familiares, a la hora de asumir un riesgo empresarial. A menudo, el dinero se presta sin intereses 0 a un interés bajo, lo cual puede ser beneficioso al momento de iniciar un proyecto, Bancos y cooperativas de crédito: Las fuentes de financiamiento mas comunes, los bancos y las cooperativas de crédito, otorgaran un crédito si usted puede demostrar que su propuesta comercial es sélida, lo cual se muestra mediante el plan de negocios. Inversionistas providenciales (Angel Investors) y compaiiias de capital de riesgo: Esos individuos y compaiias colaboran con la expansién del crecimiento de las compaitias a cambio de activos netos o de parte de la propiedad. Habitualmente, se considera dificil pedir prestado dinero a un banco 0 a otra institueién financiera para iniciar una empresa, y aun para pequeiias empresas consolidadas. Los prestatarios sin experiencia o mal dispwestes-preparados no facilitan la situacién en absoluto cuando presentan solicitudes de crédito incompletas o que completaron de manera correcta, o cuando se presentan sin un plan de negocios, induciendo a los prestamistas a suponer que posiblemente usted represente una operacién muy riesgosa.Con el fin de mejorar las posibilidades de obtener un crédito, usted debe prepararse y organizarse, Debe saber exactamente cudinto dinero necesita, por qué lo necesita y como Jo vaadevolver. Debe estar en condiciones de persuadir al prestamista de que usted es un buen riesgo de crédito. La aprobacién de la solicitud de préstamo depende de cuzin bien usted se presenta a si mismo, y presenta a su empresa y sus necesidades financieras ante un prestamista. Recuerde, los prestamistas desean otorgar préstamos pero deben otorgar préstamos seguros de que sern devueltos. La mejor manera de mejorar sus posibilidades de obtener un préstamo es preparar una propuesta por escrito. Ademas de la informacion general (nombre de la empresa, nombres de los directores, el nimero del Seguro Social de cada director, el domicilio de la empresa, el propésito del préstamo, el monto solicitado), una propuesta bien escrita para solicitar un préstamo debe contener, nuevamente, los principales elementos de su plan de negocios descripcién de la empresa, perfil de administracion, informacién del mereado e informacion financiera. La SBA, a través de sus oficinas de distrito y de sus asociados, puede ayudarlo a preparar una solicitud de préstamo sélida que mejorar sus posibilidades de obtener los fondos que necesita. Y sien un primer momento el prestamista lo rechaza, consiiltele sobre una garantia de préstamo 7(a) de la SBA. A menudo, son necesarios muy pocos tramites adicionales, y una garantia con frecuencia se aprueba en un lapso de un par de dias Para obtener mas informacién acerca de cémo la SBA puede ayudarlo a conseguir el dinero que necesita para su empresa, visite el sitio web en www.sba.gov. en inglés. 0 www.negocios.gov, en espaiiol weei Christopher Massie Monday, July 13, 2015 1:24 PM FOIA BuzzFeed News--SBA FOIA Request Dear FOIA Public Liaison This is a request under the Freedom of Information Act, 1g the following information) be provided to me (identify the I request that a copy of the following documents (or documents cont documents or information as specifically as possible): AIL U.S, Small Business Administration records containing the name Donald Trump or the words "Trump Organization” from the dates January 1, 2000 to July 13, 2015, In order to help to determine my status to assess fees, you should know that I am a representative of the news media’press and this request is made as part of news gathering and not for commercial use ‘The maximum dollar amount | am willing to pay for this request is $25. Please notify me if the fees will exceed $25.00 or the ‘maximum dollar amount I entered. Thank you for your consideration of this request. Sincerely, Christopher Massie 19 W.22 St. New York, NY 10010Christopher massie@buzzfeed.com409 Third St, SW. Washington, DC 20416 Christopher Massie 19 W. 22 st Now York, NY 10010 July 23, 2015 Dear Christopher Massie, ‘This is in response to your Freedom of Information Act (FOIA) request seeking all records related to Donald Trump, et.al We searched all records maintained by SBA’s Office of Executive Secretariat and unfortunately found no documents responsive to your request. i you think this reply is unsatisfactory, you havea riht to appeal the decision to the Chie, Freedom of Information/Privacy Acts Office, U.S. Small Business Administration, 409 Third Street, SW, Washington, DC 20416. You must submit an appeal within 60 calendar days of the date of the notice of denial. Your appeal should contain a description of the information denied, the name and ttle of the SBA official or employee who denied the request, the reason for the denial, and other facts you deem appropriate. Sincerely, Kim BradleyCOSPONSORSHIP AGREEMENT between U.S. SMALL BUSINESS ADMINISTRATION and ‘Trump University, Inc. Authorization No: 07-7630-02 The undersigned cosponsors agree as follows: 1. This agreement is between the U.S. Small Business Administration (SBA) and the following cosponsors (each a "Party"; collectively the “Parties’) Trump University, Inc. Tax ID# 201806597 Address: 40 Wall Street, New York, NY 10005 Description of Cosponsor: Executive Development; Professional Training 2. The purpose of this agreement is to describe the rights and responsibilities of each Party regarding the Cosponsorship described below. Except as properly amended, this agreement is the final and complete agreement of the Parties. It does not authorize the expenditure of any funds, other than by express terms of this Cosponsorship. Accordingly, this Cosponsorship shall not limit either Party from participating in similar activities or arrangements with other entities, 3. Cosponsorship Activity: a) Name of activity/event(s): Online training module b) Date(s): December 1, 2006 - November 31, 2008 ©) Place: World Wide Web d) Estimated Number of Small Businesses to be Assisted: 250,000 online users e) Estimated Direct Cost of Cosponsored Activity: $16,000 f) Summary of event/activity: SBA and Trump University will form a training alliance to educate ‘small businesses. Specifically, SBA and Trump University will collaborate to develop an online multimedia tutorial called Starting a Small Business on a Shoestring 1 0f 64, Fees: ‘Any fee charged to small business attendees or participants will not exceed a minimal amount needed to pay the estimated direct costs of the activity, considering other sources of funding, ‘Such fees, when collected, will be expended ahead of other sources of funding. Notwithstanding the foregoing, the Parties agree that no fees will be charged for the activity subject of this agreement. Trump University will serve as the fiscal agent for the cosponsored aciivity, bearing risk and responsibilty for all costs associated with this activity. 5. Appropriate recognition: SBA and Trump University will be given appropriate recognition for their cosponsorship of the activity in all materials used or distributed. SBA has the right to determine what constitutes appropriate recognition, in its reasonable discretion. 6. Endorsement Restrictions: ‘SBA's participation in the Cosponsorship does not constitute an express or implied endorsement of any of the opinions, products or services of Trump University, its subsidiaries or its contractors. As such, all appropriate disclaimers and authorization numbers, as outlined in paragraph 12 and 13, will be visible on all cosponsorship materials. Cosponsorship materials include, but are not limited to, flyers, brochures, mailers, email promotional pieces, web pages, cosponsorship promotional items, or any other physical, print or electronic item bearing SBA's ame or logo. 7. Promotion Limitations: There will be no unnecessary promotion of any of the products or services of a cosponsor, donor or contractor involved in the activity. Upon approval of this agreement, and subject to paragraphs 5, 6, 8, 12 and 13, all Parties agree to use Trump University name and logo in connection with SBA’s in factual publicity for the specific cosponsored activity only. Factual publicity includes dates, times, locations, purposes, agendas, fees and speakers involved with the activity. Any printed or electronically generated publicity pieces with the names or logos of the Parties must also include the appropriate disclaimers as outlined in paragraph 12 and 13, in addition to being approved in advance by SBA. 8. CopyrightlLicensing: ‘SBA will possess an irrevocable, non-exclusive, worldwide, royalty-free license to use any copyrighted material developed for the activity, subject to any reasonable requirements of Trump University with respect to its Marks (as defined below). Trump University will be responsible for obtaining all rights, fees and clearances, if necessary, for the purpose of SBA's license. ‘Trademark Grant of Rights: Each Party hereby grants to the other a nonexclusive, royalty-free, worldwide, nontransferable right during the term of this Cosponsorship agreement to use the Marks (as defined below) of the other solely for the purpose of marketing and promoting the cosponsored activity and recognition of each other's participation in this cosponsored activity pursuant to SBA policy Use of the Marks shall be subject to the other Party's advance approval and each Party will not Pp. ofknowingly authorize or permit the Marks to be used or displayed by third parties. Neither Party Shall claim ownership to any other rights in the other Party's Marks. Upon termination or expiration of this Agreement, any and all privileges of either Party to use the other's Marks shall expire and each Party shall discontinue use of the other's Marks, “Marks’ means trade names, jogos, trademarks, trade devices, trade dress, service marks, abbreviations or registered marks or contractions or simulations thereof or any other indication of ownership. Each Party agrees not to remove, alter, or destroy any proprietary markings of the other Party contained in any materials produced pursuant to this agreement. 9. Mailing Lists: ‘SBA will not make available to Trump University any mailing lists of small businesses utilizing SBA programs and services, including PRO-Net/CCR registrants. 40. Public Officials: Public officials or candidates for public office, whether a direct cosponsor or invitee of 2 cosponscr, will be informed by the SBA or its representative that they may not include political ‘comment as part of their participation. 14, Pre-existing Relationship: Cosponsors who have a pre-existing business relationship with SBA understand that cosponsoring this activity creates no special consideration by SBA regarding any other matter. {All cosponsorship materials, whether printed or electronically-generated, bearing the SBA name ‘or logo must be approved in advance by SBA and contain the following statements or items: 1. *SBA’s participation in this Cosponsorship is not an endorsement of the views, opinions, products or services of any cosponsor or other person or entity.” 2. ‘AIISBA programs, services and cosponsored activities are extended to the public on 2 nondiscriminatory basis.” 3, "Reasonable arrangements for persons with disabilities will be made if requested at least two weeks in advance. Contact: SBTN online courses, SBAInnovation@sba.gov" 4, “Cosponsorship Authorization #: 07-7630-02" 13, Web Activity: Per SBA linking policy, SBA may not link to commercial websites. Therefore, to further offer this online training module to small business owners, SBA and Trump University will host the cosponsored training material on a new webpage www. trumpuniversity.com/ with access to this cosponsored module only, Per policy, SBA has final draft approval of this site and its contents. SBA may provide links from its web page to this cosponsored page only. Trump University aarees that there will be no advertisements or commercial promotions of any kind, including its ‘own products or services, displayed on this cosponsored page(s). In addition, the Parties agree that no logo or trademark of any public or private entity with the exception of the Parties’ will be displayed on this web page(s). Pe. 30f6‘SBA’s Web Standards, Policies, Procedures and Guidelines (the Standards), including Federal 508 mandates, located at htto:/www.sba,gov/aboutsite are incorporated herein by reference, These Standards must be followed to the extent practicable. A “link” to the ‘Standards must be placed within the home page of any cosponsorship activity website. In addition to the cosponsorship disclaimers above the following disclaimer will appear on the cosponsored web page: “This website may contain hypertext links to information and websites created and maintained by other public and private entities. ‘This information and these links are not owned or sponsored by the U.S. Small Business Administration and are provided for the user's convenience. The Federal Government or SBA is not responsible for the content, accuracy, relevance, timeliness or completeness of any websites or information that may be accessed from this site. Furthermore, the inclusion of such links does not constitute or imply an endorsement by the Federal Government or SBA of any organizations or company, or its opinions, products, or services. Please use caution and use your best judgment when considering a product, service or opinion offered by a linked website.” 14, Event Description and Parties’ Responsibilities: SBA and Trump University will form a training alliance to educate small businesses. Specifically, SBA and Trump University will collaborate to develop an online multimedia tutorial to help small business clients succeed in business. The course will be titied, Starting a Smell Business on @ Shoestring. It will include a brief video introduction, featuring senior SBA and Trump University representatives, as well as interviews with SBA field personnel ‘The Parties agree that each will do the following in support of the cosponsored activity: A. SBA wil: Participate in the overall planning, marketing and execution of the activity. Collaborate with Trump University in the development of the online business tutorial * Engage agency resources to make small business clients aware of this free online business course. + Provide online access to free training materials via the agency's Small Business Training Network, www.sba.aovitraining, «Engage appropriate SBA personnel to be interviewed and featured in the course presentation «Provide final draft approval prior to posting online. B, Trump University will Participate in the overall planning, marketing and execution of the activity. Develop and host the web-based business course. Maintain and update the web tutorial as necessary, with SBA's review and approval Make the online course (tutorial) available at no charge to small business clients through SBA at wwnw,sba.govitraining. Pg dof+ Note — Trump University solely bear all nancial responsibilty unless otherwise explicitly set forth herein 15, Budget: ‘A final budget with actual costs will be submitted to SBA’s Office of Strategic Alliances within 30 days following completion of the activity 16. Amendment: ‘This agreement can only be amended with a signed writing and any amendment must be agreed to by all Parties to this agreement who are affected by it. 16. Termination: Either Party may terminate its participation in the Cosponsorship upon 30 days advance written notice to the other Party. Such termination will not require changes to materials already produced, and will not entitle the terminating Party to a return ‘of funds or property contributed. 17. Points of Contact: “The respective Points of Contact for this Cosponsorship will be: Paul C. Quintal, Vice President, (212) 248-1800 x113, for Trump University and Jim O'Connor, Director, Office of eSmall Business, (202) 205-6929 for SBA. These Parties will facilitate contact between the Parties to plan, organize and execute the activity contemplated in this cosponsorship agreement. 18. Term: This Cosponsorship will take effect at the tir December 31, 2008. 1@ of execution and will remain in effect through 19. Signature: Each of the persons executing this agreement represents that he or she has the authority to enter into this agreement on behaff of the entity involved. Executed by: SBA’ Cased hictohl 1-30-06 Carol Littell Date Acting Associate Administrator for Strategic Alliances {2-2 6 Date ‘Trump University ‘Steven Matejek Controller Pa. SofAttachment #1 BUDGET EXPENSES: Web Hosting Content Development Video & Audio Production Website Desian TOTAL EXPENSE INCOME: SBA ‘Trump University, Inc TOTAL INCOME Cash $8,000 $ 3,000 4,000 $15,000 Cash 15,000 $15,000 In-Kind $1,000 $1,000 In-Kind 0. $1,000 Total $ 1,000 $ 8,000 $ 3,000 4,000 $16,000 Total 16,000 $16,000 NET TOTAL (total income less total expenses) ___S0 Pp bofU.S. Small Business Administration Office of Inspector General Semiannual Report to Congress Fall 2007 April 1, 2007 — September 30, 2007denen ee EEE Inspector General Act Statutory Reporting Requirements ee a NE ‘The specific reporting requirements prescribed in the Inspector General Act of 1978, as amended, are listed below Source Section 4(a)(2) Seetion 5(a\{1) Section 5(a)(2) Section 5(a)(3) Seetion 5(a)(4) Sections 5(a)(5) and 6(b\(2) Section 5(a)(6) Section 5(a)(7) Section 5(a}(8) Section 5(a)(9) Section 5(a)(10) Section 5(a)(11) Section 5(a)(12) Section 5(a)(13) Review of Legislation and Regulations Significant Problems, Abuses, and Deficiencies Recommendations with Respect to Significant Problems, Abuses and Deficiencies Prior Significant Recommendations Not Yet Implemented ‘Matters Referred to Prosecutive Authorities ‘Summary of Instances Where Information Was Refused Listing of O1G Reports ‘Summary of Significant Audits & Other Reports Audit Reports with Questioned Costs, Audit Reports with Recommendations that Funds Be Put to Better Use ‘Summary of Reports From Prior Semiannual Reports Where No Management Decision Was Made Significant Revised Management Decisions Significant Management Decisions with Which the OIG Disagreed Information Described Under Section 05(b) of the Fe Financial Management Improvement Act of 1996 Page 35-38 30-34 43-47 None 21-2 4-18 None NIAgeese nel Es eee Table of Contents a t+ EN Overview of SBA and the OIG Agency Management Challenges... Significant OIG Activities. Disaster Loans. ‘Small Business Access to Capital Small Business Development, Contracting, Edueation, and Training, Agency Management Other Significant OIG Activities... Statistical Highlights Appendices 1. O1G Repors Issued. I OIG Reports with Questioned Costs. Ill. OIG Reports with Recommendations that Funds Be Put to Better Use. IV. OIG Reports with Non-Monetary Recommendations, V. OIG Reports from Prior Semiannual Periods with Overdue Management Decisions as of September 30, 2007 VI. OIG Reports Without Final Action as of September 30, 2007 VII. Summary of Significant Recommendations from Prior Semiannual Reporting Periods Without Final Action as of September 30, 2007 VII Summary of Significant Recommendations, April 1, 2006 through September 30, 2007 IX. Events/Activities Where SBA Used its Cosponsorship Authority, April 1, 2006 through September 30, 2007 X. Legal Actions Summary, April 1, 2006 through September 30, 2007... XI. OIG Organizational Chart 39 3 48SS Table of Contents Henne eee EEE SEES EERIE Act, as Amended: Additional Semiannual Legislative Reporting Requirements from the Small Busi SBA Cosponsorship and Fee-Based Administration-Sponsored Events—Small Business Act, Section 4(h). 4 ‘SBDC Surveys—Small Business Act, Section 21(a)(7) 4 SBA Gift Authority—Small Business Act, Section 4(g)(2) 16eee eA an LRN Overview of SBA and the OIG a a RR sa The Small Business Administration ‘The mission of the Small Business Administration (SBA) under the Small Business Act, as amended, is to maintain and strengthen the Nation’s economy by promoting the development and growth of small businesses and by assisting in the economic recovery of communities after disasters. To fulfil its mission, SBA has three programmatic strategic goals that broadly define what the Ageney and its programs are ‘trying to accomplish. These goals are to “Improve the economic environment for small businesses” “increase small business success by bridging competitive opportunity gaps facing entreprenew “Restore homes and businesses affected by disaster.” A fourth strategic goal, “Ensure that all SBA programs operate at maximum efficiency and effectiveness by providing them with high quality executive leadership and support services,” defines the responsibility of the Agency's executive leadership and support functions to help accomplish the programmatic goals. SBA is organized around four key functional areas: financial assistance (e.g., loan programs); contracting assistance; technical assistance (e.g., entrepreneurial development); and disaster assistance. The Agency also represents small businesses through an independent advocate and an ombudsman, SBA headquarters is located in Washington, D.C., while its business products and services are delivered with the help of 10 regional offices, 68 district offices, 4 Disaster area offices, and a vast network of resource partners in all 50 States, the District of Columbia, Puerto Rico, American Samoa, the U.S. Virgin Islands, and Guam, SBA’s appropriation for Fiscal Year (FY) 2007 is $571 million. As of September 30, 2007, SBA had 2,181 employees, including Office of Inspector General (OIG) personnel, but excluding disaster-funded employees. There were 2,849 temporary and permanent disaster employees, excluding contractors. The Office of Inspector General Pursuant to the Inspector General Act of 1978, as amended, the OIG adds value to SBA programs and operations by providing auditing, investigative, and other services to support and assist the Agency in ing its statutory mission. The OIG strives to identify significant issues and offer recommendations to correct or eliminate problems and fraudulent schemes that adversely impact the efficiency, effectiveness, or integrity of SBA’s programs and operations. ‘The OIG has four divisions that perform the key functions described below. © The Auditing Division performs financial, information technology and other mandated audits, program performance reviews, and internal control assessments, and oversees audits by contractors to promote the economical, efficient, and effective operation of SBA programs. ‘© The Investigations Division manages a program to detect and deter illegal and/or improper tivities involving SBA programs, operations, and personnel. The criminal investigations staft carries out a full range of traditional law enforcement functions. The security operations staf? ensures that all Agency employees have the appropriate background investigations and security clearances for their duties, and conducts the name check program, which provides SBA officials with character-cligibility information on loan applicants and other potential program participants, * The Counsel Division provides legal and ethics advice to all OIG components, represents the IG in litigation arising out of or affecting OIG operations, assists with the prosecution of civil enforcement matters, processes subpoenas, responds to Freedom of Information and Privacy Actcece A ES ea ARS Overview of SBA and the OIG cn 2 RR A ES requests, and reviews and comments on proposed Ageney policies, regulations, legislation, and procedures. ‘© The Management and Policy Division provides business support (e.g., budgev/financial management, human resources, information technology, and procurement) for the various OIG functions, coordinates the preparation of the Semiannual Report to Congress and the Report on SBA’s Management Challenges, and develops OIG strategic and performance plans. The OIG’s headquarters is located in Washington, DC., and has field staff located in Atlanta, GA, Chicago, IL, Dallas, TX, Detroit, MI, Denver, CO, Herndon, VA, Houston, TX, Kansas City, MO, Los Angeles, CA, Miami, FL, New Orleans, LA, New York, NY, Philadelphia, PA, Tacoma, WA, and Washington, DC. ‘An organization chart for the OIG can be found in Appendix XI OIG Work During This Report ng Period ‘As of September 30, 2007, the OIG had 105 staff on-board. The OIG's FY 2007 appropriation is $15.3 million, including a $1.5 million transfer for disaster assistance oversight activities. In addition, a supplemental appropriation during FY 2006 provided the OIG with $5 million in “no-year” funds for Gulf Coast hurricane disaster oversight. During this reporting period, OIG activities focused on the two strategic goals in our FY 2006-2011 Strategic Plan: “Improving the economy, efficiency, and effectiveness of SBA programs and operations, and “Promoting and fostering integrity in SBA programs and operations.” Using this framework, the OIG concentrated on critical risks facing SBA, including: risks of financial losses due to SBA’s downsizing, centralization, and limited oversight and controls; risks to SBA's performance of its statutory mission to promote small business development and Government contracting; and risks associated with SBA's information technology and financial management systems and other internal operations. The challenges and risks facing the Agency increased significantly with the devastation from the hurricanes that hit the Gulf Coast during 2005. The OIG has undertaken a series of reviews of the management of SBA’s disaster assistance process, the loan application approval process, loan disbursement activities, use of proceeds, and SBA’s loan processing system, known as the Disaster Credit Management System (DCMS). The OIG is also directing significant investigative efforts toward detecting and deterring fraud related to the SBA Disaster Loan program. OIG efforts and accomplishments during the second six months of FY 2007 are summarized in this report. Audits and related activities during this reporting period are listed in Appendix I. Investigative actions are summarized in Appendix X. Copies of this report and other OIG reports and work products are available on the OIG's website at http://www. sba,gov/ig/igreadingroom. htm!Leen ee ee EEE Agency Management Challenges ER A RA (OIG Issues FY 2007 Report on SBA’s Top Management Challenges In accordance with the Reports Consolidation Act of 2000, each fiscal year the OIG identifies the most serious The Management Challenges represent management and performance challenges. facing the areas which the OIG considers 10 be Agency for inclusion in SBA’s Performance and particularly vulnerable to fraud, waste, Accountability Report. The Management Challenges abuse, or mismanagement, or which represent areas which the OIG considers to be particularly otherwise pose significant risk to the vulnerable to fraud, waste, abuse, or mismanagement, or Agency, its operations, or its credibility. which otherwise pose significant risk to the Agency, its operations, or its credibility. Each Management Challenge generally has originated from one or more OIG or Government Accountability Office (GAO) report. For each Management Challenge, the OIG provides the Agency with recommended remedial actions together with our assessment of Agency progress on cach recommended action during the preceding fiscal year. ‘The SBA’s most serious Management Challenges for FY 2007 were as follows: + Procurement flaws allow large firms to obtain small business awards and agencies to count contracts performed by large firms towards their small business goals. «SBA faces significant challenges in financial management and reporting, which affect its ability to provide reliable, timely and accurate financial information Information systems security needs improvement Maximizing program performance requires that SBA fully develop, communicate, and implement a human capital managemenvtransformation strategy. + SBA’s National Guaranty Purchase Center needs better controls over the business loan purchase process. + SBA needs to effectively implement its participant oversight plan. «The Section 8(a) Business Development (BD) program needs to be modified so more firms receive business development assistance, standards for determining economic disadvantage are clear and objective, and SBA ensures that firms follow 8(a) regulations when completing contracts. ©The current practices of the SBIC (Small Business Investment Company) program place too much risk on taxpayer money Preventing loan agent fraud requires additional measures. SBA needs to continue its efforts to update its system of directives to provide proper guidance and control over its operations. The FY 2007 Management Challenges Report is available on the OIG’s website at htipsAwww,sba.gov/ig/FY 2007_management_challenges.pdf While Agency progress on a number of the Management Challenges has been encouraging, much more remains to be done. By their nature, these Challenges require continued long-term commitment and effort by the Ageneyeco eR A Significant OIG Activities a NE Disaster Loans ‘The Disaster Loan program plays a vital role in the aftermath of disasters by providing long-term, low- interest loans to affected homeowners, renters, and businesses of all sizes. There are two types of disaster loans: (1) physical disaster loans for permanent rebuilding and replacement of uninsured disaster- damaged privately-owned real and/or personal property, and (2) economic injury disaster loans to provide necessary working capital to small businesses until normal operations resume after a disaster. Physical disaster loans are available to homeowners, renters, businesses of all sizes, and nonprofit organizations, The Disaster Loan program is particularly vulnerable to fraud and unnecessary losses because loan transactions are expedited in order to provide quick relief to disaster victims ‘On August 29, 2005, Hurricane Katrina devastated the Gulf Coast regions of Louisiana, Mississippi, and Alabama. Katrina was the third most intense hurricane to hit the United States in recorded history, and the sixth strongest recorded in the Atlantic Basin. It was quickly followed by Hurricanes Rita and Wilma, creating further loss of lives and property in Florida and Texas. As of September 30, 2007, SBA had approved almost 161 million disaster loans, totaling $10.9 billion, in the aftermath of the Gulf Coast hurricanes, and had partially disbursed more than 8 million disaster loans, totaling $401 million Including loans that have been partially disbursed, the Agency has made full or partially disbursements on __ percent of the approved loans, for a total of S__billion. Given the broad scope of SBA’s Gulf Coast hurricane disaster assistance efforts, OIG audit and investigations work will focus heavily on this area for the foreseeable future. The OIG has a number of audits and reviews underway or planned SBA Terminated 7,752 Approved Loans without Notify 1g Borrowers in Advance In response to complaints received from two former SBA employees, the OIG conducted an audit of SBA’s cancellation of approved disaster assistance loans to victims of the Gulf Coast Hurricanes. The complainants alleged that SBA unnecessarily cancelled approved loans to meet production standards for either closing or disbursing loans, or if the loans were no longer wanted, canceling them. We reported that in CY 2006, SBA’s Buffalo Customer Service Center cancelled 11,893 loans during the first two weeks of September 2006. Nearly 8,000 (7,752) of these loans were cancelled without providing borrowers advance notice of the pending cancellation and without contacting them by phone. SBA’s Customer Service Center cancelled the loans, in most cases, after making only one attempt to contact the borrowers, instead of the three attempts they were instructed to make by SBA’s Fort Worth Processing and Disbursement Center. When borrowers could not When borrowers could not be reached, be reached and their loans cancelled, SBA incorrectly their loans were cancelled without annotated its records to show that the borrowers advance notice and SBA’s records were — requested the cancellations. The incorrect entries were incorrectly annotated to show that the — caused by limitations in how entries could be coded in borrowers requested the cancellations. DCMS. SBA then sent the borrowers cancellation notices after their loans were cancelled, in some cases, stating that the borrowers directed SBA to cancel their loans. ‘After the initial cancellations, SBA made another attempt in October 2006 to contact the borrowers who had not previously been reached, OF the borrowers who were successfully contacted, 1,195 requested that