DALLAS/
FORT WORTH
Helping
Small Business
Start, Grow
and Succeed
PAGE
8 Getting Started in Dallas/Fort Worth
PAGE
20 Financing Your Business
PAGE
31 Ideas For Growing Companies
WWW.SBA.GOV • YOU R SMALL B USI N ESS R ESOU RCE

contents
SMALL BUSINESS
PR
ublishing
ENI 150 Third Street, S.W.
Winter Haven, FL 33880-2907
Publishers of Small Business Resource
Advertising
Phone: 863-294-2812 • 800-274-2812
Fax: 863-299-3909 • www.sbaguides.com
Staff
2009 DALLAS/FORT WORTH President/CEO
Joe Jensen jjensen@reni.net
FEATURES English Small Business Resource Advertising
Nicky Harvey nharvey@reni.net
5 Introduction 37 Disaster Recovery
Martha Theriault
John Beward
mtheriault@reni.net
jbeward@reni.net
• 5 Welcome Letter There are several types of
assistance available to
• 6 Director’s Message Creative and Production
qualified applicants.
Diane Traylor dtraylor@reni.net
8 Getting Started 38 Advocacy
Ron Palfrey
Mary Nason
rpalfrey@reni.net
mnason@reni.net
Everything you need to know Find out about the outside Mami Li mli@reni.net
about setting up, marketing research for the small business
owners.
and managing the revenue of Finance
Denise Harwell dharwell@reni.net
your business.
39 Other Sources of
Assistance Research Manager
16 Regulations Chambers of Commerce can be Cheryl Watwood cwatwood@reni.net
Common requirements that a vital resource for the small
business owner. IT Department
affect small businesses. Jay Hook jhook@reni.net
40 Lender Listing
20 Getting Approved
Financing Options SBA’s Marketing Office:
The Small Business Resource Guide is published
to Start or Grow Your Business. under the direction of SBA’s Office of Marketing and
Customer Service.
31 Small Business Director
Laura Fox laura.fox@sba.gov
Training Network Editorial Content
5
Find out how and where the Robert Dillier robert.dillier@sba.gov
Graphic Design
SBA can help your business grow. Gary
Shellehamer gary.shellehamer@sba.gov
32 Contracting Opportunities
SBA is working to ensure small
“Everything you need to know Information in this Small Business Resource is subject
about setting up, marketing to change without notice. While every reasonable
businesses obtain fair share of effort has been made to ensure that the information
government contracts and and managing the revenue of was accurate as of publication date, RENI and its
employees, agents, clients and distributors shall not
subcontracts with a number
of programs.
your business. ” be liable for any damages arising from the use of or
reliance on the information contained in this
publication or from omissions to this publication.
Printed in the United States of America
Ways To Evaluate Your SBA’s participation in this publication is not an
endorsement of the views, opinions, products or
services of the publisher or any advertiser or other
Strengths and Weaknesses participant appearing herein. All SBA programs or
cosponsored programs are extended to the public
on a nondiscriminatory basis.
Page 9
4 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

The U.S. Small Business Administration
WELCOME
merica is a country of entrepreneurs. It was built This resource guide is your roadmap to all of our
A by entrepreneurs, and over the years, our
economy has grown on the strength of our
entrepreneurs. America has an economy that
valuable products and services. We hope that you’ll
read it closely; the SBA team has worked hard to
ensure the information here is useful and up to date.
regenerates, is flexible, and adapts to opportunity. In addition, we encourage you to visit your local SBA
And this is due in large part to the entrepreneurial District Office, which is a great portal to SBA
spirit and drive of small business owners like you. assistance and can help you start and grow your
business.
The U.S. Small Business Administration plays a vital
role in enabling America’s entrepreneurs and small “Our Nation’s strength lies in the freedom to pursue
business owners. Some of America’s corporate icons, dreams and turn ideas into enterprises,” President
in fact, received some help from SBA along the way – Bush stated recently. “By taking risks and starting new
companies like Intel, Apple, Staples, FedEx, Nike, and ventures, America’s entrepreneurs are creating jobs,
Under Armour, to name a few. growing our economy, and helping secure our
country’s place as a leader in the global economy.”
Through our wide array of services – loan guaranties,
assistance for small businesses in federal contracting, Entrepreneurs and small business owners will
and business counseling – the SBA has helped continue to drive our economy, and the SBA and our
millions of entrepreneurs start and grow their small network of resource partners will continue to enable
businesses. The agency continues to expand our their success. In the pages of this resource guide,
support for small businesses. We currently guarantee you’ll be able to find important information about all
more than $75 billion in loans and investments; our of the products and services that the SBA offers to
resource partners’ network of more than 1,500 help you.
centers provide counseling to more than 1 million
entrepreneurs every year; and we helped small Running your own business is challenging: the hours
businesses secure close to $80 billion in prime federal are long and the demands are high. But it is also
contracts. rewarding. As you work to realize your small business
dreams, we hope that you’ll keep in mind all that SBA
can offer, and let us help you succeed.
About the SBA
www.sba.gov
Your Small Business Resource
Every day, the U.S. Small Business Administration and its nationwide • Growing a Business
network of partners help millions of potential and current small • Opportunities in Contracting
business owners start, grow and succeed. • Recovering From Disaster
• A Voice for Small Business in Government
Resources and programs targeting small businesses provide an
advantage necessary to help small businesses effectively compete in Visit SBA online at www.sba.gov for 24/7 access to small business
the marketplace and strengthen the overall U.S. economy. news, information and training for entrepreneurs.
SBA offers help in the following areas: All SBA programs and services are provided on a nondiscriminatory
• Starting a Business basis.
• Financing a Business
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 5

Message From The District Director
Rules For Success
Like today’s small businesses, large corporate success stories
started with only an entrepreneur and a dream.
he Dallas/Fort Worth District 10,707 loans for a total of $1.9 billion, For these many reasons, the SBA
and the 8(a) portfolio consists of Dallas/Fort Worth District Office is
T Office of the U. S. Small
Business Administration
(SBA) encompasses 72
counties in North Texas and
serves approximately 7.7 million
residents and over 649,232 small
business establishments constituting
195 firms.
Thanks to our resource partners, the 20
Small Business Development Centers
(SBDCs), the four chapters of SCORE,
and the Dallas/Fort Worth District
Office Staff, counseling and training
pleased and honored to cooperate with
the publishers of RENI Publishing in
producing the Small Business Resource
Guide. We recommend your retention
of this publication, a source of
important small business information
for the future.
approximately 99 percent of the total were provided to thousands of present
business population. and prospective entrepreneurs. Sincerely,
The Dallas/Fort Worth District Office None of these accomplishments would
has 400 participating lenders. In Fiscal have been possible without the
Year 2008, the D/FW District Office tremendous support and cooperation of
approved 2,060 loans from these area lending institutions, chambers of
commerce, education institutions, and
Herbert Austin
institutions for a dollar value of
approximately $606 million. The retired and active business volunteers.
District Director of
current loan portfolio consists of
SBA's Dallas/Fort Worth District Office
We Welcome Your Questions The SBA helps business
owners grow and expand
For extra copies of this publication or
questions please contact:
their businesses every day.
Dallas/Fort Worth District Office
4300 Amon Carter Boulevard, Suite 114
Fort Worth,TX 76155
Tel.: 817-684-5500 • 817-355-1933
Fax: 816-684-5516
Website: www.sba.gov/tx
6 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

Doing Business in Dallas/Fort Worth
THE DALLAS/FORT WORTH Free counseling, advice and information on
DALLAS/
DISTRICT OFFICE
The Dallas/Fort Worth District Office is
starting, better operating or expanding a
small business through SCORE –
FORT WORTH
responsible for the delivery of SBA's many Counselors to Americas Small Business and SBA Staff Listing
Small Business Development Centers
programs and services. The District Office is
located at 4300 Amon Carter Boulevard, (SBDCs). They also conduct training events www.sba.gov/tx
Suite 114, Fort Worth, TX. Office hours are throughout the district - some require a
ALLEN, Eugene (8a/BD) 817-684-5539
from 8:00 AM until 4:30 PM, Monday nominal registration fee.
AUSTIN, Herbert (DD) 817-684-5502
through Friday. BAKA, Andrew (LEGAL) 817-684-5509
Assistance to businesses owned and BATCHELOR, Cynthia (ADM) 817-684-5514
controlled by socially and economically BATES, Glen (FD) 817-684-5504
CONTACTING THE BROWN, Arlene (DD Office) 817-684-5541
disadvantaged individuals through the
DALLAS/FORT WORTH Business Development Program. DeROUEN, Vickie (ED&PIO) 817-684-5535
DISTRICT OFFICE DUFFER, Greg (8a/BD) 817-684-5550
ESPIE, Perry (FD) 817-684-5545
For program and service information, A Women's Business Ownership JONES, Annie (FD) 817-684-5522
please contact the Marketing Division, Representative is available to assist women MEDINA, Bill (ED) 817-684-5517
Betty Thrower at 817-684-5500. For business owners. Please contact Vickie MONTGOMERY, Jennie (8a/BD) 817-684-5524
information on financing, please contact DeRouen at 817-684-5535. NICHOLS, Maryann (ED) 817-684-5511
Perry Espie at 817-684-5500. SCHEU, Tena (ADM) 817-684-2221
SCHUFFORD, Glenda (8a/BD) 817-684-5526
Special loan programs are available for SCHULZE, Rick (EXPORT) 817-310-3749
SERVICES AVAILABLE businesses involved in international trade. STANDIFER, Ron (FD) 817-684-5534
Financial assistance for new or existing THROWER, Betty (ED/8a/BD) 817-684-5529
businesses through guaranteed loans made A Veterans Affairs Officer is available to URBAN, Debbie (ADM) 817-684-5519
WEISENBERGER, Ron (DC) 817-684-5507
by area bank and non-bank lenders. assist veterans. Please contact Bill Medina
at 817-684-5517. SBA Region VI Staff
GEARY, Virginia 817-684-5581
MONTES, Joseph 817-684-5580
SUCCESS STORY RCD – Vacant 817-684-5512
Region VI Advocacy
A.P. Merritt Munson, Eric 501-324-5871
Merritt Tool Company, Inc. ext. 24
Kilgore, TX Senior Area Counsel
Flato, Frank M. 817-684-5542
Resource Partners
Merritt Tool Company is a modern machine Early on, Merritt learned from his father that SCORE, Dallas 214-987-9491
shop manufacturing facility, specializing in complex, working long, hard hours and dedication to the SCORE, Fort Worth 817-871-6002
medium to large, CNC milling, turning, grinding church, community and family were the SBDC, Dallas 214-860-5865
and assembly. Merritt Tool serves customers in cornerstones to achieving success in life. SBDC, Fort Worth 817-871-6028
the aerospace, energy and commercial industries. Community service has always been important to BAC, Fort Worth 817-871-6001
A. P. Merritt, Sr., founded the company in 1928, and Merritt, and he has volunteered many hours
today,A. P. Merritt, Jr., is the President and CEO of working with groups such as Kilgore’s Laird
the production facility in Kilgore,Texas. Hospital, Longview Regional Hospital Board,
The company’s early success was launched by Kilgore Historical Preservation board and
the manufacturing of the “gold fishtail” bit used to Kilgore’s youth sports programs.
drill hundreds of oil wells in East Texas. Merritt Merritt Tool has been a client of the Kilgore
Tool grew dramatically in the first two decades. As College Small Business Development Center
the business grew, it began to diversify its business (SBDC) in Longview,Texas. The SBDC can assist
and was awarded its first government contract in new businesses and established companies such as
1949 when the company was chosen to repair and MerrittTool with all phases of business operations.
manufacture bomb-loading carts at Kelly Air Force The Kilgore SBDC has been particularly helpful in
Base. providing guidance on government contracting to
Although Merritt Tool has had its ups and Merritt Tool. The SBDC has been a valuable
downs related to the East Texas oil fields, Merritt resource to Merritt Tool with information on
has been able to diversity the business into many government specifications which has assisted the
other areas providing job security for many company in bidding on government contracts.
employees; currently employing 109 highly skilled Aside from Merritt’s efforts in business and
workers. The company is committed to making civic duties, he enjoys spending time managing his
the right investments in people, equipment, quality, hunting ranch in West Texas and enjoying life with
lean manufacturing and customer service. his six grandchildren.
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 7

INTRODUCTION
GETTING STARTED
The SBA Can Help You Start And Expand Your Own Business
First, you’ll need to generate a little bit of
perspiration deciding whether you’re the
right type of person to start your own
business.
IS ENTREPRENEURSHIP
FOR YOU?
In business, there are no guarantees.There
is simply no way to eliminate all the risks
associated with starting a small business - but
you can improve your chances of success
with good planning, preparation, and insight.
Start by evaluating your strengths and
weaknesses as a potential owner and
manager of a small business. Carefully
consider each of the following questions:
• Are you a self-starter? It will be entirely up
very day the U.S. Small Business to you to develop projects, organize your
Administration and its nationwide for SBDCs or
http://www.sba.gov/aboutsba/sbaprograms/s
E
succeed.
network of resource partners help
millions of potential and current small
business owners start, grow and
Whether your target market is global or
just your neighborhood, the U.S. Small
bdc/index.html
and
“Women’s Business Centers from the
www.sba.gov/services/ choose
“Counseling & Assistance” heading at the
bottom.
These professionals can also help you with
writing a formal business plan, locating
time, and follow through on details.
• How well do you get along with different
personalities? Business owners need to
develop working relationships with a
variety of people including customers,
vendors, staff, bankers, and professionals
such as lawyers, accountants, or
consultants. Can you deal with a
Business Administration and its partners can sources of financial assistance, managing and demanding client, an unreliable vendor, or a
help at every stage of turning your expanding your business, finding cranky receptionist if your business
entrepreneurial dream into a thriving interests demand it?
opportunities to sell your goods or services
• How good are you at making decisions?
business. to the government, recovering from disaster Small business owners are required to
If you’re just starting, the SBA and its or acting as advocates for small businesses make decisions constantly - often quickly,
resources can help you with loans and with Congress and regulatory agencies. independently, and under pressure.
business management skills. If you’re already The SBA has programs for helping special • Do you have the physical and emotional
in business, you can use the SBA’s resources audiences, such as women and veterans, stamina to run a business? Business
to help manage and expand your business, become small business owners. ownership can be exciting, but it's also a
lot of work. Can you face six or seven
obtain government contracts, recover from Most new business owners who succeed 12–hour workdays every week?
disaster, and have your voice heard in the have planned for every phase of their success. • How well do you plan and organize?
federal government. Thomas Edison, the great American inventor, Research indicates that poor planning is
You can access SBA help online 24 hours a once said, “Genius is 1 percent inspiration responsible for most business failures.
day at www.sba.gov or visit one of our and 99 percent perspiration.” That same Good organization — of financials,
local offices for assistance. philosophy also applies to starting a business. inventory, schedules, and production —
can help you avoid many pitfalls.
Resources To Get You Started
Our resources include the SBA’s district
offices serving every state and territory, • You get to be your own boss.
nearly 400 offices of SCORE – Counselors to
America’s Small Businesses, more than 1,000
• Hard work and long hours directly benefit you,
ON THE UPSIDE
Small Business Development Centers
rather than increasing profits for someone else.
primarily located on college campuses, and • A new venture is exciting.
approximately 114 Women’s Business
It’s true, there are a lot of reasons
not to start your own business. But
Centers located across the country. More
• Earnings and growth potential are far less limited.
for the right person, the advantages
information about SCORE, SBDCs and the of business ownership far outweigh • Running a business will provide endless
WBCs is detailed later in this publication, or the risks. variety, challenge and opportunities to learn.
you can click on www.score.org,
8 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

• Is your drive strong enough? Running a
business can wear you down emotionally.
HOME-BASED BUSINESS
EVALUATE Some business owners burn out quickly CONSIDERATIONS
from having to carry all the responsibility Going to work used to mean traveling
for the success of their business on their from home to a plant, store or office. Today
Start by evaluating your own shoulders. Strong motivation will help many people do some or all their work at
you survive slowdowns and periods of
burnout.
home.
Garages, basements and attics are being
strengths and weaknesses
• How will the business affect your family?
The first few years of business start-up can transformed into the corporate
be hard on family life. It's important for headquarters of the newest entrepreneurs –
family members to know what to expect the home-based business person.
and for you to be able to trust that they
will support you during this time. There Getting Started
also may be financial difficulties until the Before diving headfirst into a home-based
1. Are you a self-starter?
business becomes profitable, which could
business, you must know why you are doing
It will be up to you – not
take months or years. You may have to
it. To succeed, your business must be based
someone else telling you – to
adjust to a lower standard of living or put
develop projects, organize your
family assets at risk in the short-term. on something greater than a desire to be
time and follow through on Once you’ve answered those questions, your own boss. You must plan and make
you should consider what type of business improvements and adjustments along the
road.
details.
you want to start.
Ask yourself these questions – and
remember, there are no best or right reasons
2. How well do you get along
with different personalities? FRANCHISING for starting a home-based business. But it is
Business owners need to There are more than 3,000 franchised important to understand what the venture
businesses.The challenge is to decide on one involves.
that both interests you and is a good Working under the same roof where your
develop working relationships
investment. Many franchising experts suggest family lives may not prove to be as easy as it
with a variety of people including
that you comparison shop by looking at seems. It’s important to work in a
customers, vendors, staff,
bankers, lawyers, accountants and multiple franchise opportunities before professional environment. One
consultants. Can you deal with a deciding on the one that's right for you. suggestion is to set up a separate office in
Some of the things you should look at your home to create this professional
environment.
demanding client, an unreliable
when evaluating a franchise: profitability,
effective financial management and other
vendor or a cranky staff person?
controls, a good image, integrity and Ask yourself:
• Can I switch from home responsibilities to
commitment, and a successful industry.
3. How good are you at making
business work?
decisions? In the simplest form of franchising, while • Do I have the self-discipline to maintain
Small business owners are you own the business, its operation is schedules?
governed by the terms of the franchise • Can I deal with the isolation of working
agreement. For many, this is the chief benefit
required to make decisions
from home?
for franchising.You are able to capitalize on a • Am I a self-starter?
constantly, often quickly, under
business format, trade name, trademark
pressure.
and/or support system provided by the Finding Your Niche
4. Do you have the physical and franchisor. But you operate as an Choosing a home business must be
emotional stamina to run a independent contractor with the ability to approached carefully.
make a profit or sustain a loss commensurate Ask yourself:
with your ownership.
business?
• Does my home have the space for a
If you are concerned about the risk business?
Business ownership can be
involved in a new, independent business • Can I identify and describe the business I
challenging, fun and exciting. But
it’s also a lot of hard work. Can venture, then franchising may be the best want to establish?
business option for you. Remember that hard • Can I identify my business product or
service?
you face 12-hour workdays six or
work, dedication and sacrifice are key • Is there a demand for that product or
elements in the success of any business
seven days a week?
service?
venture, including franchising. • Can I successfully run the business from
For more information visit the SBA Web home?
5. How well do you plan and
organize? site at:
Research indicates many http://www.sba.gov/smallbusinessplanner/st
business failures could have art/ and click on “Buy a Franchise” from the
been avoided through better menu on the right side; or visit the Franchise
planning. Good organization – of Registry at www.franchiseregistry.com/ or call
financials, inventory, schedules,
your local SBA office. For ALL Your Franchising
production – can help avoid Needs
pitfalls. Go To:
www.franmarket.com/sba
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 9

Legal Requirements nationwide network of 114 community- financing to small businesses when an owner
A home-based business is subject to many based centers that provide business training, or essential employee is called to active duty.
of the same laws and regulations affecting counseling, mentoring and other assistance The Military Reservist Economic Injury
other businesses. geared to women, particularly those who are Disaster Loan Program provides loans to
socially and economically disadvantaged. To eligible small businesses to cover operating
Some general areas include: meet the needs of women entrepreneurs,the costs that cannot be met due to the loss of
• Zoning regulations. If your business operates an essential employee called to active duty in
in violation of them, you could be fined or
WBCs offer their services at convenient
times and locations. Some offer child care the reserves or National Guard. Small
shut down.
• Product restrictions. Certain products during training and many provide assistance businesses may apply for MREIDLs of up to
cannot be produced in the home. Most and materials in different languages, $1.5 million if they have been financially
states outlaw home production of depending on the needs of the individual impacted by the loss of an essential
fireworks, drugs, poisons, explosives, communities they serve. Classes are either employee.The SBA has created a specialWeb
sanitary or medical products and toys. free or offered at a small fee, and scholarships page specifically for Reserve and Guard
Some states also prohibit home-based
are often available to those who need them. members at: http://www.sba.gov/aboutsba/
businesses from making food, drink or
clothing. A number ofWBCs also provide courses and
To ensure that veterans, service-disabled
sbaprograms/reservists/index.html.
Be sure to consult an attorney and your counseling via the Internet, mobile
veterans and Reserve and National Guard
local, city and state departments of labor to classrooms and satellite locations.
member entrepreneurs receive special
find out which laws and regulations will affect Both SBA district offices and women’s
consideration in all its entrepreneurial
your business. Additionally, check on business centers offer mentoring
programs and resources, the SBA has
registration and accounting requirements roundtables. If there is not an existing established a fully staffed Office of Veterans
needed to open your home-based business. roundtable nearby, women’s business centers Business Development. OVBD develops and
You may need a work certificate or license may be able to help women entrepreneurs distributes various informational materials
from the state. Your business name may need set them up. for entrepreneurship such as the Veterans
to be registered with the state. A separate To find the nearest women’s business Business Resource Guide, VETGazette,
business telephone and bank account are ownership representative or women’s Getting Veterans Back to Work, and various
good business practices. business center,and to learn more about SBA other materials. Veterans may access these
Also remember, if you have employees you programs and services, visit the Office of resources and other assistance from OVBD
are responsible for withholding income and Women’s Business Ownership at by visiting the Web site at:
social-security taxes, and for complying with www.sba.gov/women.
For more information or special assistance
www.sba.gov/VETS/.
minimum wage and employee health and
safety laws. VETERANS BUSINESS with government contracting, including
If you’re convinced that working from programs for veterans and service-disabled
home is for you, it’s time to create your veterans, please check the Contracting
DEVELOPMENT
The SBA offers a variety of services to Opportunities section of this publication, and
business plan. The SBA and its resource American veterans who have made or are
partners, such as SCORE, SBDCs and WBCs the Web site above.
seeking to make the transition from service SBA’s Patriot Express Initiative has new
can help make the process easier. member to small business owner. Each of and enhanced programs and services for
SBA's 68 district offices throughout the veterans and members of the military
REACHING UNDERSERVED country has designated a Veterans Business community wanting to establish or expand
Development Officer to help veterans small businesses. See the Financing section
prepare, plan and succeed in
AUDIENCES
Women Business Owners for more information on Patriot Express.
entrepreneurship. The Veterans Business
Women entrepreneurs are changing the Outreach Center Program provides online
face of America's economy. In the 1970’s, and face-to-face entrepreneurial NATIVE AMERICAN
women owned less than five percent of the development services such as business
nation’s businesses. Today, they are at least
BUSINESS DEVELOPMENT
training, counseling and mentoring to eligible The SBA is also working to ensure that
equal owners of nearly half the nation’s veterans owning or considering starting a entrepreneurship opportunities are available
businesses and are majority owners of about small business. SBDCs and SCORE also for American Indians, Native Alaskans and
a third of all small businesses. SBA serves provide targeted management assistance to Native Hawaiians seeking to create, develop
women entrepreneurs nationwide through veterans who are current or prospective and expand small businesses. These groups
its various programs and service, some of small business owners. SCORE also provides have full access to the necessary business
which are designed especially for women. resources and counseling services online at: development and expansion tools available
Many of these are overseen by SBA’s Office
through the agency’s entrepreneurial
of Women’s Business Ownership. The SBA offers special assistance for
www.score.org.
development, lending and procurement
Women’s business ownership activated Reserve and National Guard programs. More information is at:
representatives in every SBA district office members and the small businesses they work
coordinate services for women, helping them in or own. Any self-employed Reserve or
http://www.sba.gov/aboutsba/sbaprograms/
access appropriate training, counseling, Guard member with an existing SBA loan can
naa/index.html
mentoring, federal contracting opportunities, request from their SBA lender or SBA
financing, and more. They can also provide district office, loan payment deferrals, interest WRITING A BUSINESS PLAN
information on other local resources, rate reductions and other relief after they After you’ve thought about your business,
including SBA resource partners and lenders. receive their activation orders. the next step is to develop a business plan.
The SBA’s Women Business Centers are a The SBA offers special low-interest-rate The business plan is a formal document
10 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

explaining in some detail your plans to Most SCORE volunteers are retired
develop a financially successful business. It’s business owners or managers, though some
vitally important for two reasons:
WEBSITE members are still actively employed.
• Preparing a business plan forces you to Business plan help Volunteers work in or near their home
think through every aspect of your communities to provide management
business. If you need outside money, your counseling and training to first-time
business plan will be one of the first things entrepreneurs and current small business
The nearest SCORE chapter can be
the lender or investor wants to see.
owners.They meet with clients at a SCORE
located at: www.score.org.
• A business plan serves as an assessment
chapter office, an SBA office or at the client's
For business plan help at the SCORE Web
tool for you.
place of business.
site, click on “Business Tools” from the left-
A comprehensive business plan is not
Every effort is made to match a client's
hand menu, then click on “Template Gallery.”
done on the spur of the moment. It can be a
needs with a counselor who is experienced
long process, and you need good advice.The
in a comparable line of business.All individual
You can find the nearest VBOC at:
SBA and its resource partners, including
and team counseling is free; there may be a
www.sba.gov/vets.
Small Business Development Centers located
nominal fee for workshops and seminars.
on many college campuses,Veterans Business Through in-depth counseling and training,
To find WBCs, click on: www.sba.gov/services/
Outreach Centers, SCORE, Counselors to SCORE volunteers help prospective and
and choose “Women’s Business Centers” from
America’s Small Business, and Women’s established small business owners and
the “Counseling and Assistance” heading at
Business Centers, have the expertise to help managers identify problems, determine the
the bottom.
you craft a winning business plan. causes and find solutions.
You can find the nearest SBDC at: Any small business can obtain help from
You can also find business-plan help on the
SCORE. Whether you are considering
SBA’s Web site at:
http://www.sba.gov/aboutsba/sbaprograms/
starting your own business, have a business
http://www.sba.gov/smallbusinessplanner/
sbdc/index.html.
that is experiencing problems, are ready to
then choose “Writing a Business Plan” from the
expand, or need some other type of advice,
“Plan Your Business” menu along the bottom.)
IN GENERAL, HERE’S WHAT
• Discuss insurance, lease or rent SCORE can help.The approach is confidential
agreements, and issues pertinent to your and personal.You don't need to be applying
A GOOD BUSINESS PLAN
CONTAINS: business. for or have an SBA loan to participate in the
• Account for the equipment necessary to program. In fact, an idea is all that is
Introduction produce your goods or services. necessary; consultation and counseling
• Give a detailed description of the business • Account for production and delivery of
and its goals. before a business start-up is an important
products and services.
• Discuss ownership of the business and its part of SCORE's service.
legal structure.
Concluding Statement
Dallas SCORE Chapter 22
• List the skills and experience you bring to
Summarize your business goals and
Meadows Bldg.
the business.
objectives and express your commitment to
5646 Milton St., Ste. 303
• Discuss the advantages you and your
the success of your business. Once you have
Dallas, TX 75206
business have over competitors. 214-987-9491
completed your business plan, review it with
Marketing a friend or business associate or SCORE
Dallas Satellite Locations:
• Discuss the products and services your counselor or Small Business Development
company will offer. Center representative.
Allen Chamber of Commerce
• Identify customer demand for your
Remember, the business plan is a flexible
210 W. McDermott Dr.
products and services.
Allen, TX 75013
• Identify your market, its size and locations. document that should change as your 972-727-5585
• Explain how your products and services business grows.
will be advertised and marketed.
Metrocrest Chamber of Commerce
• Explain your pricing strategy.
1204 Metrocrest Dr.
SCORE Carrollton, TX 75006
Financial Management SCORE is a 10,500-member volunteer
972-416-6600
• Develop an expected return on investment nonprofit association which operates under a
cooperative agreement with the U.S. Small
South Branch Library
and monthly cash flow for the first year.
• Provide projected income statements, and Business Administration. SCORE, with more
3228 Teasley Ln.
balance sheets for a two-year period. than 40 years experience helping small
Denton, TX 76210
• Discuss your break-even point. businesses succeed, matches volunteer
940-349-8252
• Explain your personal balance sheet and business-management counselors with Farmers Branch Chamber of Commerce
method of compensation. clients in need of expert advice. SCORE has 12875 Josey Ln., Ste. 150
• Discuss who will maintain your accounting experts in virtually every area of business
Farmers Branch, TX 75234
records and how they will be kept.
management and maintains a national skills
972-243-8966
• Provide “what if” statements addressing
alternative approaches to problems that roster to help identify the best counselor for
a particular client. Volunteer counselors,
Flower Mound Chamber of Commerce
may develop.
whose collective experience spans the full
700 Parker Sq., Ste. 100
Operations range of American enterprise, share their
Flower Mound, TX 75028
972-539-0500
• Explain how the business will be managed management and technical expertise with
day-to-day. both current and prospective small business
• Discuss hiring and personnel procedures. owners.
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 11

Soaring Like Eagles – It’s the Entrepreneurial Spirit!
Frisco Chamber of Commerce
6843 Main St.
Fort Worth Business Assistance Center offers assistance for small businesses
Frisco, TX 75034
972-335-9522
Being an entrepreneur is about more than include the popular limited liability
Garland – Inwood National Bank
just starting a business, it’s about having the company, a partnership, or an S
1200 Main St.
drive to succeed as well as knowing going it corporation.
Garland, TX 75040
alone isn’t always the best way. • Additional workshops offered throughout 972-272-7551
The shear excitement of starting a new the year include a newly re-designed
business can cause small business series of financial workshops, how to Greater Irving-Las Colinas
entrepreneurs to be too hasty. It’s that inner write a solid business plan that works and Chamber of Commerce
drive and enthusiasm that can often lead a a free legal forum workshop that offers 5221 N. O’Connor Blvd., Ste. 100
small business owners an opportunity to
fledgling business owner to believe that the
Irving, TX 75039
ask questions of an attorney among
business must be started now or it won’t
214-217-8484
others.
succeed. Cutting of corners and following that Another hallmark service provided to small
enthusiastic drive rather than seeking the
Lewisville Chamber of Commerce
business owners is one-on-one business
advice of experts that can send even the best
551 N. Valley Pkwy.
counseling. The BAC has found that offering
business idea down the drain. Research and
Lewisville, TX 75067
counseling to small business owners has
guidance, whether into potential markets, the
972-436-9571
helped improve the performance of small
activities of competitors, the structure of a businesses by helping to develop better
business, financial projections or venues of
McKinney Chamber of Commerce
management practices, lead to greater profits
marketing, is essential when completing a
1650 W. Virginia St., Ste. 110
as a result of better planning for existing
realistic and comprehensive business plan.
McKinney, TX 75069
businesses, and does increase the success rate
The Fort Worth Business Assistance
972-542-0163
for start-up businesses. Counseling is FREE to
Center’s (BAC) sole mission is to offer an those who take the WBC’s Step 1 – Starting a
array of ongoing educational opportunities for
Plano - Collin SBDC
Business workshop. Counselors at the BAC
those who want to start, buy or expand a
4800 Preston Park Blvd., Ste. A-126
are former bankers, accountants or business
small business venture. The Center is a
Plano, TX 75093
owners who work with small business owners
program of the City of Fort Worth’s Housing
972-985-3770
to provide personalized and confidential
and Economic Development Department and counseling. Counseling is provided on such
Plano Chamber of Commerce
its services are available to all business owners. important topics as business plan
In 2007-08, the BAC saw more than 6,000
1200 E. 15th St.
development, certification, financial analysis,
clients walk through the door taking advantage
Plano, TX 75074
strategic planning, how to prepare for a loan,
of the available services. Located just south of
972-424-7547
contracts and bids, buying and selling a
downtown Fort Worth in the James E. Guinn Business and cash flow analysis. With all the
Richardson Chamber of Commerce
complex at I-35W at Rosedale, the BAC is a future has to offer, it’s a comfort to know that
411 Belle Grove
one-stop shop comprised of a dozen service organizations like the Fort Worth Business
Richardson, TX 75080
providers, each offering an array of specialized Assistance Center are still growing strong to
972-792-2800
services. Together these service providers ensure all entrepreneurs, including women-
offer ongoing educational training through and minority-owned businesses, continue to
East Texas SCORE Chapter 280
workshops and specialty seminars, business have the opportunities available to them to
1530 S. SW Loop 323, Ste. 100
counseling, loan opportunities, as well as grow their businesses the right way.
Tyler, TX 75701
networking events such as the annual To see a complete list of services offered by
903-510-2975
Lockheed Martin/Chase Entrepreneur Expo the Fort Worth Business Assistance Center
which is held annually in the early spring at the visit www.fwbac.com
Fort Worth SCORE Chapter 120
Fort Worth Convention Center. A James E. Guinn School Complex
cornerstone of business training at the BAC is
Partners of the Fort Worth Business
1150 S. Frwy., Ste. 108 I-35 @ Rosedale
provided through the Step 1 – Starting a
Assistance Center
Fort Worth, TX 76104
Business workshop, which is free and is offered
817-871-6002
five times each month. It’s the absolute perfect
starting point for any future small business Alliance Lending Corporation – Fort Worth Satellite Locations:
owner. A few of the more important topics www.alliancecdc.com
covered in the workshop include: Fort Worth Metropolitan Black Chamber of Arlington – Center for Entrepreneurial
• The Business Plan: For the majority of Commerce www.fwmbcc.org
Development
start-ups, a business plan allows you to Fort Worth Business Assistance Center
202 E. Border St.
gain a better understanding of your www.fwbac.com
Arlington, TX 76010
industry structure, competitive landscape, Manufacturers Association of North Texas
817-871-6002
and the capital requirements of starting a www.mant.us
small business…
SCORE www.scorefortworth.com
Euless Library
• What's in a business name? Everything
Small Contractor’s Development Program
201 Ector Dr.
and nothing.The right business name will
www.scdp.com
Euless, TX 76039
help distinguish you from a sea of bland
Southeast Fort Worth, Inc.TCC-Small
817-685-1489
competitors, provide your customers
with a reason to hire you, and aid in the Business Development Center www.tccd.edu Johnson County/Joshua Public Library
branding of your company… TEC Fort Worth www.techfortworth.com 907 S. Broadway
• Find the best ownership structure for Texas Manufacturing Assistance Center Joshua, TX 76058
your small business.The most basic of all www.tmac.org
business legal structures is the sole
817-871-6002
William Mann Jr. Community Development
proprietorship. Other possible structures Corporation www.wmcdc.com
12 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

to meet their requests for help by offering e- SBDCs provide services such as
mail counseling, maps to local SCORE development of business plans, manufacturing
Mansfield Chamber of Commerce
chapters, hotlinks to other business assistance, financial packaging assistance,
116 N. Main St.
Mansfield, TX 76063
817-473-0507
resources on the Internet and more at the contracting assistance and international trade
click of a mouse. E-mail counseling is assistance. Special emphasis areas include e-
provided by the Cyber-chapter, which now commerce, technology transfer, IRS, EPA and
North Richland Hills Public Library
includes more than 1,200 online members. OSHA regulatory compliance, research and
9015 Grand Ave., Rm. 232
You can choose from almost 800 unique skills development, Defense Economic Transition
North Richland Hills, TX 76180
to find the cybercounselor who best suits Assistance, disaster recovery assistance and
817-427-6814
Southlake Chamber of Commerce your individual needs, including special market research. Based on client needs,
counseling for veterans, service-disabled SBDCs tailor their services to meet the
1501 Corporate Cir., Ste. 100
veterans and Reserve component members. evolving needs of the local small business
Southlake, TX 76092
Log on to SCORE's Internet site at community.
817-481-8200
Waco SCORE Chapter 321 www.score.org to take advantage of the many SBDCs deliver management and technical
Texas Workforce Center services SCORE has to offer your business. assistance to prospective and existing small
1416 S. New Rd. businesses using an effective business
education network of 63 lead centers and
Waco, TX 76711
more than 1,000 service-center locations
254-296-5214 SMALL BUSINESS
SCORE's Presence on the
DEVELOPMENT CENTERS contracted to manage a broad-based SBDC
As the SBA’s largest non-finance program, program. SBDCs are located throughout the
Internet Small Business Development Centers meet
SCORE can also be found on the Internet U.S., District of Columbia, Guam, Puerto Rico,
the needs of small businesses and promote American Samoa and the U.S.Virgin Islands.
at www.score.org. SCORE's presence on the
economic development in local communities There are specialized programs for small
Internet makes it possible to reach more
by helping to create and retain jobs. Partially businesses owned by individuals who are
small business clients than ever with online
funded by a cooperative agreement with SBA, socially and economically disadvantaged,
mentoring and counseling services.
SBDCs meet the counseling and training women, veterans, Reservists, people with
Business owners are now turning to the
needs of more than 650,000 start-ups or disabilities and persons in low- and moderate-
technology of the Web to fulfill their needs
existing business clients annually. income urban and rural areas.
for information and advice. SCORE is primed
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 13

For more information, visit the Web site at: Fort Worth, Texas Wichita Falls, Texas
www.sba.gov/aboutsba/sbaprograms/sbdc/ Tarrant County College SBDC *Midwestern State University Dillard
index.html. James E. Guinn School Complex College of Business
Abilene, Texas 1150 S. Frwy., I-35 @ Rosedale, Ste. 229 Administration Bldg.
*Texas Tech University SBDC Fort Worth, TX 76104 3410 Taft Blvd.
500 Chestnut, Ste. 601 817-871-6028 Wichita Falls, TX 76308
Abilene, TX 79602 940-397-4373
325-670-0300 Gainesville, Texas
North Central Texas SBDC **Center for Government Contracting
Athens, Texas 1525 W. California SBDC
Trinity Valley SBDC Gainesville, TX 76240 1402 Corinth St.
100 Cardinal Dr. 940-668-4220 Dallas, TX 75215
Athens, TX 75751 214-860-5889
903-675-7403 Longview, Texas
Kilgore College SBDC **Risk Management SBDC
Bonham, Texas 911 N.W. Loop 281, Ste. 209 1402 Corinth St.
Fannin SBDC - Satellite Longview, TX 75604 Dallas, TX 75215
Grayson SBDC 903-757-5857 or 800-338-7232 214-860-5821
The Rayburn Collegiate Center
1909 N. Hwy. 121 Naples, Texas **International SBDC
Bonham, TX 75418 Northeast SBDC – Satellite 1950 Stemmons Frwy., Ste. 5067
903-463-8787 Texas A&M Texarkana SBDC Dallas, TX 75207
301 Craig St. 214-747-1300 or 800-337-7232
Bowie, Texas Naples, TX 75568
Bowie SBDC - Satellite Mailing address: P.O. Box 1307 **SBDC for Enterprise Excellence
North Central Texas SBDC Mt. Pleasant, TX 75456 7300 Jack Newell Blvd. S.
810 S. Mill St. 903-897-2956 Fort Worth, TX 76118
Bowie, TX 76230 817-272-5930
940-668-4220 Paris, Texas
Paris SBDC **Technology Assistance Center SBDC
Cedar Hill, Texas 2400 Clarksville St. 1402 Corinth St.
Best Southwest SBDC Paris, TX 75460 Dallas, TX 75215
207 N. Cannady Dr. 903-782-0224 214-860-5709
Cedar Hill, TX 75104
972-860-7894 Plano, Texas North Texas SBDC Region Headquarters
Collin SBDC 1402 Corinth St.
Corinth, Texas 4800 Preston Park Blvd., Ste. A126 Dallas, TX 75215
Corinth SBDC - Satellite Plano, TX 75093 214-860-5831 or 800-350-7232
North Central Texas SBDC 972-985-3770
1404 N. Corinth, Ste. 307 *Northwest Texas SBDC Region, Lubbock, TX
Corinth, TX 76208 Texarkana, Texas **SBDC Specialty Centers
940-498-6276 Texas A&M Texarkana SBDC
2600 N. Robison Rd.
Corsicana, Texas Texarkana, TX 75501 U.S. EXPORT ASSISTANCE
Navarro SBDC 903-223-1370
CENTER (USEAC)
U.S. Export Assistance Centers, which
3200 W. 7th Ave.
consist of SBA staff and the U.S. Department
Corsicana, TX 75110 Stephenville, Texas
*Tarleton State University/College of
of Commerce in a single location, provide
903-875-7667
Business Administration
trade promotion and export-finance
Dallas, Texas P.O. Box T-0650
assistance for small businesses. The USEACs
Dallas SBDC Stephenville, TX 76402
also work closely with other federal, state and
1402 Corinth St. 254-968-9330
local international trade organizations.To find
Dallas, TX 75215
the USEAC nearest to you, go to:
214-860-5865 Tyler, Texas
Tyler SBDC
Denison, Texas 1530 S. SW Loop 323, Ste. 100 http://www.sba.gov/aboutsba/sbaprograms/
Grayson SBDC Tyler, TX 75701
903-510-2975
internationaltrade/useac/index.html.
6101 Grayson Dr. North Texas Export Assistance Center
Denison, TX 75020 1450 Hughes Rd., Ste. 220
903-463-8787 or 800-316-7232 Waco, Texas
Grapevine, TX 76051
McLennan SBDC
817-310-3749
Denton, Texas 1400 College Dr.
Rick Schulze
Denton SBDC - Satellite Waco, TX 76708
North Central Texas SBDC 254-299-8141 or 800-349-7232
414 Parkway
Denton, TX 76201 Waxahachie, Texas
940-380-1849 Ellis County SBDC - Satellite
Navarro SBDC
1900 John Arden Dr.
Waxahachie, TX 75165
972-937-2174
14 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

franmarket
.com
Franchises
Where The Franchise World Connects
Opportunity
for
Many
Entrepeneurs
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 15

REGULATIONS
KNOWING THE RULES Paying Attention to Detail Can Save Time and Money
research each legal structure thoroughly and
consult a tax accountant and/or attorney
prior to making your decision.
CHOOSING YOUR BUSINESS
STRUCTURE
You may operate your business under one
of many organizational structures. The most
common organizational structures are sole
proprietorships, general and limited
partnerships, “C” and “S” corporations and
limited liability companies.
Each structure offers unique tax and
liability benefits. If you’re uncertain which
format of business is right for you, contact
your local SBA office, SBDC, SCORE or
t may be inconceivable to you that your permit, professional license, or identification WBC for assistance.
home-based consulting service or hand- number to operate, finding the right license
I knit sweater business would have to
comply with any of the numerous local,
state, and federal regulations, but in all
likelihood it will. Avoid the temptation to
ignore regulatory details. Doing so may avert
some red tape in the short term, but could
can be a major challenge for potential
business owners.
“Feature Topics” focuses on common
business concerns. It provides context to the
compliance information provided on the site
and helps business owners understand in
Sole Proprietorship
One person operating a business as an
individual is a sole proprietorship. It’s the
most common form of business organization.
Profits are taxed as income to the owner
personally. The personal tax rate is usually
be an obstacle as your business grows.Taking lower than the corporate tax rates. The
plain language the regulatory requirements
the time to research the applicable owner has complete control of the business,
their businesses face. Additional topics will
regulations is as important as knowing your but faces unlimited liability for its debts.There
be added on a regular basis in response to
market. Below is a checklist of the most is very little government regulation or
the most frequent searches on the site. reporting.
common requirements that affect small
businesses, but it is by no means exhaustive. The Content Partners Program formalizes
Bear in mind that regulations vary by relationships with government agencies, General Partnership
industry. If you're in the food service trade associations and professional A partnership exists when two or more
business, for example, you will have to deal organizations to develop compliance persons join together in the operation and
with the health department. If you use assistance tools and resources for small- and management of a business. Partnerships are
chemical solvents, you will have medium-sized businesses. Partner subject to relatively little regulation and are
environmental compliances to meet. organizations provide domain specific fairly easy to establish. A formal partnership
Carefully investigate the regulations that compliance information featured on the site’s is recommended to address potential
affect your industry. Being out of compliance FeatureTopics and Compliance Guides pages. conflicts such as, who will be responsible for
could leave you unprotected legally, lead to Business.gov is managed by the SBA in performing each task; what, if any,
expensive penalties and jeopardize your partnership with 21 other federal agencies. consultation is needed between partners
business. You’re just a computer click away from help before major decisions, what happens when a
24-hours a day at: www.business.gov. partner dies, and so on. Under a general
BUSINESS.GOV partnership each partner is liable for all debts
Business.gov is the official business link to BUSINESS ORGANIZATION of the business. Profits are taxed as income
the U.S. government providing a one-stop There are many forms of legal structure to the partners based on their ownership
shop for federal resources from the federal you may choose for your business.The most percentage.
government agencies that regulate or serve common structures are Sole Proprietorships,
businesses. General and Limited Partnerships, C and S Limited Partnership
Business.gov’s new “Permit Me” feature Corporations and Limited Liability Like a general partnership, a limited
provides a single source for obtaining federal Companies. Each legal structure offers partnership is established by an agreement
and state permits and professional licenses organizational options which are appropriate between two or more individuals. However,
for businesses. While most businesses in the for different personal situations and which there are two types of partners.
United States are required to obtain a affect tax and liability issues.We suggest you
16 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

• A general partner has greater control in government loan programs. It also can be
some aspects of the partnership. For used to provide continuity in operations
FICTITIOUS BUSINESS NAME
example, only a general partner can decide Registering your business name, after doing
during a period of ownership transition
to dissolve the partnership. General a search to make sure that it is not already in
caused by the death or incapacitation of an
partners have no limits on the dividends use, protects you from others who might be
they can receive from profit so they incur owner or other "key" employee.
using the same name. For more information,
unlimited liability. Automobile – It is obvious that a vehicle
contact the county clerk’s office in the county
• Limited partners can only receive a share owned by your business should be insured
where your business is based.
of profits based on the proportional for both liability and replacement purposes.
amount on their investment, and the What is less obvious is that you may need
liability is similarly limited in proportion to
special insurance (called "non-owned
their investment.
BUSINESS INSURANCE
Like home insurance, business insurance automobile coverage") if you use your
“C” Corporation protects the contents of your business personal vehicle on company business. This
A “C” corporation is a legal entity created against fire, theft and other losses. Contact policy covers the business' liability for any
under State law by the filing of articles of your insurance agent or broker. It is prudent damage which may result for such usage.
incorporation. A corporation is a separate for any business to purchase a number of Officer and Director – Under most
entity having its own rights, privileges and basic types of insurance. Some types of state laws, officers and directors of a
liabilities, apart from those of the individual(s) coverage are required by law, other simply corporation may become personally liable
forming the corporation. It’s the most make good business sense. The types of for their actions on behalf of the company.
complex form of business organization and is insurance listed below are among the most This type of policy covers this liability.
comprised of shareholders, directors and commonly used and are merely a starting Home Office – If you are establishing an
officers. Since the corporation is an entity in point for evaluating the needs of your office in your home, it is a good idea to
its own right it can own assets, borrow business. contact your homeowners' insurance
money and perform business functions Liability Insurance – Businesses may company to update your policy to include
without directly involving the owners. incur various forms of liability in conducting coverage for office equipment.This coverage
Corporations are subject to more their normal activities. One of the most is not automatically included in a standard
government regulation and it offers the common types is product liability, which may homeowner's policy.
owners the advantage of limited liability, but be incurred when a customer suffers harm
not total protection from lawsuits.
from using the business product. There are
many other types of liability, which are
Subchapter “S” Corporation
EMPLOYER IDENTIFICATION
Subchapter “S” references a special part of frequently related to specific industries. NUMBER
the Internal Revenue Code that permits a Liability law is constantly changing.An analysis An EIN, Form SS-4, also known as a
corporation to be taxed as a partnership or of your liability insurance needs by a federal tax identification number, is used to
sole proprietorship, with profits taxed at the competent professional is vital in determining identify a business entity. Generally all
individual, rather than the corporate rate. A an adequate and appropriate level of businesses need an EIN. You may apply for an
business must meet certain requirements for protection for your business. EIN in a variety of ways, including online,
Subchapter “S” status. Contact the IRS for Property – There are many different types phone, fax. Taxpayers can call a toll-free
more information. of property insurance and levels of coverage number, 800-829-4933, to get an EIN. Internal
available. It is important to determine the Revenue Service customer service
LLCs and LLPs property you need to insure for the representatives are available to answer calls
The limited liability company is a relatively continuation of your business and the level of Monday through Friday, from 7:30 a.m. to
new business form. It combines selected insurance you need to replace or rebuild.You 5:30 p.m. customer's local time.
corporate and partnership characteristics must also understand the terms of the Taxpayers can fax EIN requests seven days
while still maintaining status as a legal entity insurance, including any limitations or waivers a week/24 hours a day by dialing the fax
distinct from its owners. As a separate entity of coverage. number to one of three IRS Campus' that
it can acquire assets, incur liabilities and Business Interruption –While property accept applications. The instructions on the
conduct business. It limits liability for the insurance may pay enough to replace newly revised Form SS-4, Application for
owners. LLC owners risk only their damaged or destroyed equipment or Employer ID Number, indicate which IRS
investment, not personal assets. The limited buildings, how will you pay costs such as Campus is assigned to their specific state.
liability partnership is similar to the LLC, but
taxes, utilities and other continuing expenses Detailed information and an electronic SS-4
it is for professional organizations.
during the period between when the damage can be found at the IRS Small Business/Self
occurs and when the property is replaced? Employed Community Web site at:
BUSINESS LICENSES Business Interruption (or "business income")
There are many types of licenses, both insurance can provide sufficient funds to pay html, click on New Businesses. Faxed
http://www.irs.gov/businesses/small/index.
state and local as well as professional. your fixed expenses during a period of time applications are processed in four days. The
Depending on what you do and where you when your business is not operational. IRS Campus' accepting faxed applications are:
plan to operate, your business may be "Key Man" – If you (and/or any other Holtsville, NY 631-447-8960
required to have various state and/or individual) are so critical to the operation of Cincinnati, OH 859-669-5760
municipal licenses, certificates or permits. your business that it cannot continue in the Philadelphia, PA 215-516-3990
Licenses are typically administered by a event of your illness or death, you should IRS accepts third party Form SS-4's. Tax
variety of state and departments. Consult consider "key man" insurance. This type of practitioners complete the new “Third Party
your state or local government for
policy is frequently required by banks or Designee” section on their client's behalf by
assistance.
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 17

obtaining the client's signature on Form SS-4. must report his share of partnership earnings Compliance Specialists serve as immediate
IRS no longer requires that practitioners file on his individual Form 1040 based on the points of contact and liaisons with small
a Form 2848, Power of Attorney or Form information from the K-1 filed with the Form business owners and local government
8821,Tax Information Authorization to get an 1065. leaders. If you need information about air,
EIN for their clients. Corporation: You must file a Federal water, land uses, solid waste and hazardous
Corporation Income Tax (Form 1120). You materials call or write:
will also be required to report our earning Texas Commission on
FEDERAL from the corporation including salary and Environmental Quality
other income such as dividends on your
Small Business and Local Government
SELF-EMPLOYMENT TAX
Everyone must pay Social Security and personal federal income tax return (Form
Assistance Section, Region 4 - DFW
Medicare coverage. If you are self-employed, 1040).
2309 Gravel Dr.
Fort Worth, TX 76118
your contributions are made through the 817-588-5868
self-employment tax.
Tasha Burns 817-588-5836
FEDERAL PAYROLL TAX
The IRS has publications, counselors and Federal Withholding Tax: Any
Lori Rose 800-447-2827 - Hotline
workshops available to help you sort it out. business employing a person must register
For more information, contact the IRS at with the IRS and acquire an EIN and pay
EMPLOYEE
800-829-1040. federal withholding tax at least quarterly. File CONSIDERATIONS
Form SS-4 with IRS to obtain number and Taxes
required tax forms. Call 800-829-3676 or If you have any employees, including
800-829-1040 if you have questions. officers of a corporation but not the sole
BUSINESS TAX
proprietor or partners, you must make
INFORMATION
If you plan to hire employees you are also periodic payments, and/or file quarterly
required to obtain a Federal Employee reports about payroll taxes and other
Identification Number from the IRS.To obtain
SOCIAL SECURITY CARDS
All employees must have a social security mandatory deductions. You may contact
the registration form and reference card. It must be signed by its owner, and you these government agencies for information,
documents, contact the IRS at 800-829-1040 should always ask to see and personally assistance and forms.
or visit their website: http://www.irs.gov/ record the social security number. Failure to
businesses/small/index.html for complete
Social Security Administration
do so may cause your employee to lose
information.
800-772-1213
benefits and considerable trouble for yourself
http://www.ssa.gov
in back tracking to uncover the error.
Each pay day, your employees must receive
Federal Withholding
SALES TAX EXEMPTION
a statement from you telling them what
U.S. Internal Revenue Service
CERTIFICATE 800-829-1040
If you plan to sell products, you will need a deductions were made and how many dollars http://www.irs.gov
were taken out for each legal purpose. This
Sales Tax Exemption Certificate. It allows you
can be on the check as a detachable portion
Social Security’s Business
to purchase inventory, or materials, which Services Online
will become part of the product you sell, or in the form of an envelope with the items
printed and spaces for dollar deductions to The Social Security Administration now
from suppliers without paying taxes. It provides free electronic services online at
requires you to charge sales tax to your be filled in. No deductions may be made by
any employer for any reason unless the www.socialsecurity.gov/employer/. Once
customers, which you are responsible for registered for Business Services Online,
remitting to the state. You will have to pay employee has previously signed a paper
authorizing the deduction. There are no business owners or their authorized
penalties if it is found that you should have representative can:
been taxing your products and now owe exceptions.
• file W-2s online, and
back taxes to the state. For information on • verify Social Security Numbers through
sales tax issues, visit your state’s Web page. Pollution Control the Social Security Number Verification
If you own or operate a business whose Service, which can be used for all
operations may constitute a danger of employees prior to preparing and
FEDERAL INCOME TAX pollution to air, land or water, then federal submitting Forms W-2.
Like the state income tax, the method of authorities should be contacted for any
paying federal income taxes depends upon licenses or approvals that may be necessary. Employee Insurance
your legal form of business. The following For more information, contact: If you hire employees you may be required
procedures must be considered: to provide unemployment or workers’
Sole Proprietorship: You must file IRS compensation insurance. For more
Environmental Protection Agency
Federal Form Schedule C along with your information, contact the following:
1445 Ross Ave., Ste. 1200
Dallas, TX 75202-2733
personal Federal Income Tax return (Form 800-887-6063 Employee Insurance
1040) and any other applicable forms
The Small Business and Local Government
Texas Department of Insurance
pertaining to gains or losses in your business
Assistance Section of the Texas Commission
333 Guadalupe
activity.
Austin, TX 78701
Partnership: You must file a Federal on Environment Quality provides free and 800-578-4677
Partnership return (Form 1065). This is confidential assistance to small business
www.tdi.state.tx.us
merely informational to show gross and net owners and local government leaders
earnings of profit and loss.Also, each partner regarding environmental compliance issues.
18 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

provides tools and assistance to help you Patents
meet these requirements. For information, A patent is the grant of a property right to
Workers Compensation
visit www.gs1us.org/pc. For additional
Texas Workers Compensation Commission
the inventor by the U.S. Patent and
questions, contact: Trademark Office. It provides the owner wit
800-252-7031
www.twcc.state.tx.us
GS1 US the right to exclude others from making,
using, offering for sale or selling the patented
item in the United States.
7887 Washington Village Dr., Ste. 300
WORKPLACE PROGRAM
Americans with Disabilities (ADA):
Dayton, OH 45459-8605
Additional information is provided in the
For assistance or clarification with the
937-435-3870
publications, General Information
ADA, call 800-669-3362 or visit them at: Federal Registration of Concerning Patents and other publications
http://www.ada.gov. Trademarks and copyrights distributed through the U.S. Patent and
Trademarks or service markets are words, Trademark Office. For more information,
USCIS phrases, symbols, designs or combinations contact the:
The Federal Immigration Reform and that identify and distinguish the source of U.S. Patent and Trademark Office
Control Act of 1986 requires employers to goods.Trademarks may be registered at both 800-786-9199 • http://www.uspto.gov
verify employment eligibility of new employees. the state and federal level. To register a
The law obligates an employer to process
Copyrights
federal trademark, contact:
Employment EligibilityVerification Form I-9.The Copyrights protect original works of
U.S.Citizenship and Immigration Services Office authorship including literary, dramatic,
Patent and Trademark Office:
of Business Liaison offers a selection of musical and artistic, and certain other
P.O. Box 1450
information bulletins and live assistance through intellectual works. Copyright does not
Alexandria, VA 22313-1450
the Employer Hotline. For forms call 800-870- protect facts, ideas and systems, although it
800-786-9199
http://www.uspto.gov/
3676, for the Employer Hotline call 800-357- may protect the way these things are
2099. State Registration of a expressed. For general information contact:
Trademark
SAFETY & HEALTH
Trademarks and service marks may be
U.S. Copyright Office
registered in a state.
U.S. Library of Congress
James Madison Memorial Building
REGULATIONS Caution: Federally registered trademarks Washington, DC 20559
All businesses with employees are required may conflict with and supersede state
202-707-9100 - Order Line
to comply with state and federal regulations registered business and product names.
202-707-3000 - Information Line
regarding the protection of employees. The
www.copyright.gov
Occupational Safety and Health
Administration outlines specific health and
safety standards adopted by the U.S.
Department of Labor.
Use of hazardous substances in businesses
is highly regulated and there are heavy fines
for non-compliance.
Department of Labor
866-4-USA-DOL (487-2365)
www.dol.gov
& Health Administration (OSHA)
Department of Labor Occupational Safety
800-321-OSHA (6742)
www.osha.gov
BUILDING CODES, PERMITS
AND ZONING
It is important to consider zoning
regulations when choosing a site for your
business. You may not be permitted to
conduct business out of your home or
engage in industrial activity in a retail district.
Contact the business license office in the city
or town where the business is located.
BAR CODING
GS1 US™ (not a government agency)
provides a unique company number to create
bar codes (including UPCs) for your
products. Many stores require bar coding on
packaged products. Many industrial and
manufacturing companies also use bar coding
to identify items they receive and ship. GS1
US, formerly the Uniform Code Council, Inc.,
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 19

FINANCING
GETTING APPROVED Financing Options to Start or Grow Your Business
The SBA guaranty reduces the lender’s
risk of borrower non-payment. If the
borrower defaults, the lender can request
SBA to pay the lender that percentage of the
outstanding balance guaranteed by SBA. This
allows the lender to recover a portion from
SBA of what it lent if the borrower can’t
make the payments. The borrower is still
obligated for the full amount.
To qualify for an SBA guaranty, a small
business must meet the lender’s criteria and
the 7(a) requirements. In addition the lender
must certify that it would not provide this
loan under the proposed terms and
conditions unless it can obtain an SBA
guaranty. If the SBA is going to provide a
lender with a guaranty, the lender must be
eligible creditworthy and the loan structured
any entrepreneurs need financial for a loan. This plan should explain what
under conditions acceptable to SBA.
resources to start or expand a resources will be needed to accomplish the
M small business themselves and
must combine what they have
with other sources of financing.
These sources can include family and friends,
venture-capital financing, and business loans.
This section of the Small Business
desired business purpose including the cost
of everything, the applicants’ contribution,
use of loan proceeds, collateral, and most
important, an explanation of how the
business will be able to repay the loan in a
timely manner.
PERCENTAGE OF
GUARANTIES
The SBA only guarantees a portion of any
particular loan so each loan will also have an
unguaranteed portion giving the lender a
Resource guide discusses SBA’s primary The lender will analyze the application to certain amount of exposure and risk. The
business loan and equity financing programs. see if it meets the lender’s criteria as well as percentage of guaranty depends on either
These are: the 7(a) Loan Program, the SBA requirements. SBA will look to the the dollar amount or the method by which
Certified Development Company or 504 lender to do much, if not all, of the analysis the lender obtains its guaranty. For 7(a) loans
Loan Program, the MicroLoan Program and before it provides its guaranty on the lender’s of $150,000 or less the SBA will guaranty as
the Small Business Investment Company loan or provides the microlenders with funds much as 85 percent and for loans over
Program.The distinguishing features for these to re-lend to the business.The SBA’s business $150,000 the SBA can provide a guaranty of
programs are the total dollar amount that loan programs provide a key source of up to 75 percent.The maximum loan amount
can be borrowed, the type of lenders who financing for viable small businesses that have is $2 million and the maximum guaranty
can provide these loans, the uses for the loan real potential, but cannot qualify for loans amount to any one business is $1.5 million.
proceeds, and the terms placed on the from traditional sources. The one exception is when a business needs
borrower. both working capital and fixed assets to
Note: The SBA does not offer promote exporting in which case the SBA
grants to individual business can provide a maximum guaranty of $1.75
7(A) LOAN PROGRAM
The 7(a) Loan Program is the SBA’s
owners to start or grow a business. million.
primary business loan program. It is the
The only grants the SBA is Loans made under the SBAExpress
agency’s most used non-disaster financial
authorized to provide are for program, which is discussed subsequently,
assistance program because of its flexibility in
entities to provide businesses have a 50 percent guaranty.
loan structure, variety of loan proceeds uses,
management technical assistance and availability. This program has broad
to other businesses. eligibility requirements and credit criteria to
When you seek a business loan familiarize accommodate a wide range of financing
INTEREST RATES AND FEES
yourself with the SBA’s business loan Both fixed and variable interest rates are
needs.
programs to see if they may be a viable available. Rates are set based on the lowest
The business loans that SBA guarantees
option. The three principal players in each of do not come from the agency, but rather prime rate* and maturity. For loans with
these programs are — the small business, the from banks and other lenders. The loans are maturities of less than seven years the rate
lender and the SBA. SBA guarantees a funded by these organizations and they make will be fixed or start at prime plus no more
portion of the loan.The business should have the decisions to approve or not approve the than 2.25 percent. For loans with maturities
its business plan prepared before it applies requests. of seven years or more the rate can be as
20 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

high as prime plus 2.75 percent. For loans charge the borrower a prepayment fee if the then select “Size Standards” from the
under $50,000 and for loans processed loan has a maturity of 15 or more years and “Contracting Opportunities” menu in the
through SBAExpress, rates are permitted to is pre-paid during the first three years. right hand column.
be higher.
The fee is based on the size of the • Manufacturing from
SBA Size Standards:
guaranty percentage associated with the SBA
COLLATERAL
The SBA expects every loan to be fully 500 to 1,500 employees
loan whether the loan is short-term secured, however, in most cases, the SBA will • Wholesaling — 100 employees
(12 months or less) or long-term (over 12 not decline a request to guaranty a loan if the • Services from $4.5 million to $32.5 million
months).You can finance the fee. only unfavorable factor is insufficient in average annual receipts
On any loan with a maturity of one year or collateral, if all available collateral is offered. • Retailing from $6.5 million to $26.5 million
What these two policies mean is that every • General construction from
less, the fee is just 0.25 percent of the
SBA loan is to be secured by all available $6.5 million to $32 million
guaranteed portion of the loan. On loans • Agriculture from
with maturities of more than one year, the assets (both business and personal) until the
$750,000 to $16.5 million in average
guaranty fee is 2 percent of the SBA recovery value equals the loan amount or annual receipts
until all assets have been pledged to the
guaranteed portion on loans up to $150,000;
extent that they are reasonably available, to
3 percent on loans over $150,000 but not adequately secure the loan. Personal Nature of Business
more than $700,000; and 3.5 percent on guaranties are required from all the principal The second eligibility factor is based on the
loans over $700,000. There is also an owners of the business. Liens on personal nature of the business and the process by
additional fee of 0.25 percent on any assets of the principals may be required. which it generates income or the customers
guaranteed portion over $1 million. it serves. The SBA has general prohibitions
* All references to the prime rate against providing financial assistance to
refer to the lowest prime rate as businesses involved in such activities as
ELIGIBILITY
7(a) loan eligibility is based on four
published in the Wall Street Journal different factors. The first is size, as all loan lending, speculating, passive investment,
on the day the application is recipients must be classified as “small” by pyramid sales, loan packaging, presenting live
received by the SBA. SBA. The basic size standards are outlined performances of a prurient sexual nature,
below. A more in-depth listing of standards businesses involved in gambling and any illegal
7(A) LOAN MATURITIES can be found at: http://www.sba.gov/ activity.
SBA loan programs are generally intended
services/contractingopportunities/index.html
to encourage longer term small business
financing, but actual loan maturities are based
on the ability to repay, the purpose of the
loan proceeds and the useful life of the assets
financed. However, maximum loan maturities
have been established: 25 years for real
estate; up to 10 years for equipment
(depending on the useful life of the
equipment); and generally up to 10 years for
working capital. Short-term loans and
revolving lines of credit are also available
through the SBA to help small businesses
meet their short-term and cyclical working
capital needs.
STRUCTURE
Most loans are repaid with monthly
payments of principal and interest. For fixed-
rate loans the payments stay the same
whereas for variable rate loans the lender
can re-establish the payment amount when
the interest rates change or at other intervals
as negotiated with the borrower. Applicants
can request that the lender establish the loan
with interest-only payments during the start-
up and expansion phases (when eligible) to
allow the business time to generate the
income to start repaying the loan.There are
no balloon payments or call provisions
allowed on any 7(a) loan.The lender may not
charge a prepayment penalty if the loan is
paid off before maturity, but the SBA will
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 21

The SBA will also not support non-profit What to Take to the Lender • Sufficient funds, including the SBA
businesses, private clubs that limit Documentation requirements may vary; guaranteed loan, to operate the business
membership on a basis other than capacity, on a sound financial basis (for new
contact your lender for the information you
businesses, this includes the resources to
businesses that promote a religion, must supply. meet start-up expenses and the initial
businesses owned by individuals incarcerated operating phase).
or on probation or parole, municipalities, and
Common requirements include the
• Adequate equity invested in the business.
situations where the business or its owners • Purpose of the loan.
following:
• Sufficient collateral to secure the loan or
previously failed to repay a federal loan or • History of the business. all available collateral if the loan
federally assisted financing. • Financial statements for three years cannot be fully secured.
(existing businesses).
• Schedule of term debts (existing
Use of Proceeds businesses).
The third eligibility factor is what the loan
SBAEXPRESS
• Aging of accounts receivable and
proceeds can and cannot be used for. 7(a) SBAExpress is available to lenders as a way
payable (existing businesses).
proceeds can be used to: purchase • Projected opening-day balance sheet (new to obtain a guaranty on smaller loans up to
machinery, equipment, fixtures, supplies, businesses). $350,000. The program authorizes selected
leasehold improvements, as well as land • Lease details. experienced lenders to use mostly their own
and/or buildings that will be occupied by the
• Amount of investment in the business by forms, analysis and procedures to process,
the owner(s). service and liquidate SBA-guaranteed loans.
business borrower. • Projections of income, expenses and cash The SBA guarantees up to 50 percent of an
flow as well as the assumptions.
SBAExpress loan. Loans under $25,000 do
• Expand or renovate facilities; • Personal financial statements on the
Proceeds can also be used to:
• Finance receivables and augment working principal owners. not require collateral. Like most 7(a) loans,
capital; • Resume(s) of the principal owners and maturities are usually five to seven years for
• Finance seasonal lines of credit; managers. working capital and up to 25 years for real
• Construct commercial buildings; and estate or equipment. Revolving lines of credit
• Refinance existing debt under certain How the 7(a) Program Works are allowed for a maximum of seven years.
conditions. Applicants submit their loan application to For a list of lenders in your area, contact your
7(a) loan proceeds cannot be used (except a lender for the initial review.The lender will local SBA office available at:
for compensation for services rendered) for generally review the credit merits of the
floor plan financing or to have funds for the
www.sba.gov/localresources/index.html
request before deciding if they will make the
purpose of making investments. loan themselves or if they will need an SBA PATRIOT EXPRESS
guaranty. If a guaranty is needed, the lender The Patriot Express Initiative pilot loan
Miscellaneous Factors will also review eligibility, and the applicant
The fourth factor involves a variety of initiative is for veterans and members of the
should be prepared to complete some military community wanting to establish or
requirements such as SBA’s credit elsewhere additional documents before the lender
test and utilization of personal assets expand a small business. Eligible military
sends its request for guaranty to the SBA. community members include:
requirements where the applicant business In guaranteeing the loan, the SBA assures • Veterans
and its principal owners must use their own the lender that, in the event the borrower • Service-disabled veterans
resources before getting a loan guaranteed does not repay the loan, the government will • Active-duty service members eligible for
by SBA. It also includes SBA’s anti- reimburse the lending institution for a the military’s Transition Assistance
discrimination rules and prohibitions on portion of its loss. By providing this guaranty, Program
lending to agricultural enterprises because the SBA is able to help tens of thousands of • Reservists and National Guard members
there are other agencies of the federal • Current spouses of any of the above,
small businesses every year get financing they
including a service member
government with programs to fund such would not otherwise obtain. • Widowed spouse of a service member or
businesses. After SBA approval, the lender is notified veteran who died during service or of a
However, some factors here are the SBA’s that its loan has been guaranteed. The lender service-connected disability
most important eligibility rules, including: then will work with the applicant to make The Patriot Express loan is offered by
• Every loan must be for a sound business sure the terms and conditions are met SBA’s widest network of lenders nationwide
purpose; before closing the loan, disbursing the funds, and features our fastest turnaround time for
• There must be sufficient invested equity in and assuming responsibility for collection and loan approvals. Loans are available up to
the business so it can operate on a sound
general servicing. The borrower makes $500,000 and qualify for SBA’s maximum
financial basis;
• There must be a potential for long-term monthly loan payments directly to the lender. guaranty of 85 percent for loans of $150,000
success; As with any loan, the borrower is responsible or less and 75 percent for loans over
• The owners must be of good character for repaying the full amount of the loan in a $150,000 up to $500,000. For loans above
and reputation; and timely manner. $350,000, lenders are required to take all
• All loans must be so sound as to available collateral.
reasonably assure repayment. What the SBA Looks for: The Patriot Express loan can be used for
More can be found out about SBA’s • Ability to repay the loan on time from the most business purposes, including start-up,
eligibility requirements at: projected operating cash flow. expansion, equipment purchases, working
http://www.sba.gov/services/ then • Owners and operators who are of good capital, inventory or business-occupied real-
select “Loan Eligibility” from the “Financial character.
estate purchases.
• Feasible business plan.
Assistance” list along the bottom. • Management expertise and commitment Patriot Express loans feature SBA’s lowest
necessary for success. interest rates for business loans, generally
22 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

2.25 percent to 4.75 percent over prime Special Purpose 7(a) Loan term debt. SBA provides up to an 85 percent
depending upon the size and maturity of the Programs guarantee. There are five distinct programs
loan. Your local SBA district office will have a The 7(a) program is the most flexible of under the CAPLine umbrella:
listing of Patriot Express lenders in your area. SBA’s lending programs. The agency has • The Contract Loan Program is used
More information is at: created several variations to the basic 7(a) to finance material and labor needs for a
specific contract or contracts. Proceeds
program to address the particular financing
can be disbursed before the work begins. If
http://www.sba.gov/patriotexpress.
need of certain small businesses. These used for one contract, it is generally not
COMMUNITYEXPRESS PILOT special purpose programs are not necessarily revolving; if used for more than one
for all businesses but may be very applicable contract at a time, it can be revolving. The
to some small businesses. They are generally loan maturity is usually based on the length
LOAN PROGRAM
The CommunityExpress Pilot Loan governed by the same rules, regulations, fees, of the contract, but no more than five
Program provides streamlined business interest rates, etc. as the regular 7(a) loan years. Payment from the contract award
financing and management and technical guaranty. Lenders can advise you of any must be sent directly to the lender.
assistance to small businesses located in variations. • The Seasonal Line of Credit
distressed or underserved markets. The Program is used to support buildup of
CommunityExpress program is offered inventory, accounts receivable or labor and
CAPLines materials above normal usage for seasonal
through hundreds of selected SBA lenders The CAPLines program is designed to inventory. The business must have a
throughout the nation. Under help small businesses meet their short-term definite established seasonal pattern and
CommunityExpress, approved lenders may thus must have been in business for a
and cyclical working capital needs.There are
use streamlined and expedited loan review period of 12 months in order to establish
five loan programs under the CAPLines
and approval procedures to process SBA- that pattern. The loan does not revolve
umbrella. The programs can be used to
guaranteed loans. These lenders may thus during the season but may be used over
finance seasonal working capital needs; again after a “clean-up” period of 30 days.
use, to the maximum extent possible, their
own loan analysis, loan procedures, and loan finance the direct costs of performing certain These also may have a maturity of up to
documentation to process SBA loans to construction, service and supply contracts; five years. The business may not have
$250,000. However, borrowers must receive finance the direct cost associated with another seasonal line of credit outstanding
commercial and residential construction; but may have other lines for non-seasonal
technical assistance to qualify for this working capital needs.
program. finance operating capital by obtaining • The Builders Line Program Provides
advances against existing inventory and financing for small contractors or
accounts receivable; and consolidate short- developers to construct or rehabilitate
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 23

residential or commercial property. Loan The SBA may waive this requirement if you Bank charges is 0.25 percent on the loan
maturity is generally three years but can be have sufficient export trade experience or amount that is guaranteed by them. The
extended up to five years if necessary. other managerial experience. borrower negotiates the interest rate and all
Proceeds are used solely for direct
expenses of acquisition, immediate
other fees with the lender.
The foreign buyer must be a creditworthy
Eligible Buyers
construction and/or significant
rehabilitation of the residential or entity located in an acceptable foreign Eligibility of Exporter
commercial structures. The purchase of country, to both the lender and SBA. The same as for the SBA EWCP Program.
the land can be included if it does not
exceed 20 percent of the loan proceeds. Use of EWCP Proceeds: Eligible Buyers
Up to 5 percent of the proceeds can be • To acquire inventory for export or to be The foreign buyer must be a creditworthy
used for physical improvements that used to manufacture goods for export. entity located in an acceptable country in
benefit the property. • To pay the manufacturing costs of goods
• The Small Asset-Based Line is a conformity with the Ex-Im Bank’s Country
for export.
revolving line of credit used to support an Limitation Schedule.
increase in accounts receivable or • To purchase goods or services for export.
inventory. The loan can be used for • To support Standby Letters of Credit Use of Proceeds
revolving lines up to $200,000 to purchase related to export transactions. Same as the SBA EWCP.
inventory, pay direct labor or finance • For pre-shipment working capital directly
accounts receivable and is advanced related to export orders. Ineligible Use of Proceeds
against existing inventory or accounts • For post-shipment foreign accounts • Goods or services with less than 50
receivable. Repayment comes from the receivable financing. percent U.S. content.
collection of accounts receivable or sale of • To support the export of any Defense
inventory. It does require periodic
servicing and monitoring of the collateral
Ineligible Use of Proceeds Articles or Defense Services.
• To support the applicant’s domestic sales. • To support the applicant’s domestic sales.
for which the lender can charge up to two • To acquire fixed assets or capital goods for • To acquire fixed assets or capital goods for
percent annually to the borrower. These the applicant’s business. the applicant’s business.
lines are generally used by businesses • To support a sale where the exporter is • To acquire, equip, or rent commercial
providing credit to their customers. not taking title to the goods. space overseas.
• The Standard Asset-Based Line is • To acquire, equip, or rent commercial • To serve as a Warranty Letter of Credit.
similar to the Small Asset-Based Line, but space overseas.
for loan amounts over $200,000. It does • To serve as a Warranty Letter of Credit. Collateral Requirements
require stricter servicing and monitoring
Same as the SBA EWCP.
and the lender may pass these costs along Collateral Requirements
to the borrower. • Collateral for the manufacturing sector Discounted Credit Insurance
typically consists of a first lien on all
export-related inventory and export Premiums
The Export-Import Bank of the United
EXPORT
related accounts receivable.
TRADE FINANCING • Collateral for the service sector typically States and the SBA provide SBA export loan
Export Working Capital Program consists of assignment of proceeds of recipients with a 25 percent discount on
export-related contracts or purchase export credit insurance premiums. Ex-Im
orders and a first lien on export-related
www.sba.gov/aboutsba/sbaprograms/
Bank export credit insurance protects your
The SBA’s Export Working Capital accounts receivable.
internationaltrade/index.html
• Other collateral may be required. company against nonpayment and enables
Program assists lenders in meeting the needs you to sell on the competitive “Open
How to Apply — A small business
of exporters seeking short-term export account” terms.You can enter new markets
exporter seeking a guaranteed
working capital. This program enables U.S. and increase sales in existing markets and
EWCP loan must apply to a lender.
exporters to obtain loans to fund their direct have the ability to match the credit terms
export costs. The EWCP supports single SBA Ex-Im Bank Co- offered by your foreign competitors. Ex-Im
transactions or revolving lines.The maximum Bank provides up to 95 percent coverage for
Guarantee
dollar amount of an export line of credit both commercial risks, for example buyer
This is designed to provide small business
under this program is $2 million. SBA insolvency and default, and political risks, war,
exporters the ability to obtain larger export
guarantees up to 90% of a loan amount or revolution, and the cancellation of an export
working capital loans through the Export
$1.5 million, whichever is less. Loan or import license.
Working Capital Program than SBA could
maturities are generally for a term of 12
support alone. This program enables U.S.
months.The guaranty can be reissued for an
exporters to obtain loans that facilitate the How to Apply
additional 12 months through an abbreviated A small business exporter seeking a co-
export of goods or services. Under this
application process.The guaranty fee the SBA guaranteed loan must apply to a lender that
program, the total export working capital
charges is 0.25 percent of the guaranteed is a participant in SBA’s 7(a) Loan Guaranty
line, with a 90 percent guarantee, cannot
amount of the loan for the initial 12 months. Program. PLP and SBAExpress processing
exceed $2 million. Loan maturities are
The borrower negotiates the interest rate are not permitted.The lender must submit a
generally for a term of 12 months. At the end
and all other fees with the lender. The completed Joint Application for Working
of the 12-month maturity, a borrower may
program offers flexible terms, low fees and a Capital Guarantee and loan package to SBA.
reapply for a new guarantee. The guarantee
quick processing time. SBA evaluates and processes the application
fee SBA charges is 0.25 percent of the
guaranteed amount of the loan for the initial in accordance with SBA rules for its Export
You must have an operating history of at
Eligibility of Exporter
12 months. The guarantee fee that Ex-Im Working Capital program.
least one year – not necessarily in exporting.
24 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

Export Express shows, translation of product literature for
foreign markets, and other activities
INTERNATIONAL TRADE
The Export Express program is designed
designed to initiate or expand the
to help SBA meet the export financing needs
LOAN PROGRAM
The program helps small businesses applicant’s export of its products/services
of small businesses. It is a subprogram of from the U.S.;
engaged or preparing to engage in SBAExpress and is therefore subject to the • Provide transaction-specific financing for
international trade as well as small businesses same loan processing, making, closing, overseas orders;
adversely affected by competition from servicing, and liquidation requirements as • Provide revolving lines of credit for export
imports.This program allows for an increased well as the same maturity terms, interest purposes, the term of which must not
maximum dollar amount of SBA guaranty rates, and applicable fees as for other SBA exceed seven years. In some instances, as a
outstanding to any one business (and loans except as noted below. The total
normal course of business, the borrower
affiliates) from $1.5 million to $1.75 million. may use portions of revolving lines of
Export Express loan cannot exceed credit for domestic purposes, but no less
In order to reach the $1.75 million SBA $250,000. SBA guarantees 85 percent for than 70 percent of the revolver to be used
guaranty ceiling, the borrower must have an loans of $150,000 and under and 75 percent for export related purposes;
international trade loan as well an SBA for loans over $150,000 to $250,000. SBA • Provide term loans and other financing to
working capital loan or line of credit. The allows participating lenders to make their enable small business concerns, including
international trade loan provides an SBA own credit decisions. SBA provides a quick
small business export trading companies
guarantee up to $1.5 million of a term loan to develop foreign markets; and
processing time, less than 36 hours. • Acquire, construct, renovate, modernize,
used for the acquisition, construction,
improve or expand production facilities or
renovation, modernization, improvement or equipment to be used in the U.S. in the
expansion of long-term fixed assets or the
Eligible Buyers – The foreign buyer must be
production of goods or services to be
refinancing of an existing loan used for these
a creditworthy entity located in an
exported from the U.S.
same purposes. In addition a borrower may
acceptable country.
have a separate working capital loan (term or Use of Proceeds Ineligible Use of Proceeds
line of credit) with a maximum SBA • Finance standby letters of credit used for Proceeds may not be used to finance
guarantee of $1.25 million. When combined, either bid or performance bonds; overseas operations, other than those strictly
the maximum SBA guaranty outstanding to • Finance export development activities associated with the marketing and/or
any one business is $1.75 million. The SBA such as export marketing and promotional distribution of products/services exported
guarantee fee and interest rates are the same activities, participation in foreign trade from the U.S.
as for any standard 7(a) loans.
Eligibility of Exporter
• Applicants must meet the same eligibility
requirements for a 7(a) loan.
• Applicant must establish the loan will
significantly expand or develop an export
market, or the applicant has been adversely
affected by import competition, and, in
addition the applicant must show that
upgrading equipment or facilities will
improve its competitive position.
• If eligibility is based on entering or
expanding export sales, the applicant must
submit a one or two page international
business plan, including sufficient
information to reasonably support the
likelihood of expanded export sales.
Use of Proceeds
• For facilities or equipment, including
purchasing land and building(s); building
new facilities; renovating, improving, or
expanding existing facilities; purchasing or
reconditioning machinery, equipment and
fixtures; and making other improvements
that will be used within the United States
for producing goods or services.
Collateral Requirements - Collateral
requirements are the same as regular
• How to Apply - A small business
7(a) loans.
exporter seeking a guaranteed loan must
apply to an SBA participating lender. Call
your local SBA District Office for a list of
participating lenders.
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 25

• Eligible project costs are limited to long-
How to Apply term, fixed assets such as land and building
Capital Certified Development Corp.
The application process is the same for (occupied by the borrower) and
Craig Pinkley, Executive Director
substantial machinery and equipment.
Wild Basin One
the SBAExpress, except the applicant must Working capital is not an eligible use of
110 Wild Basin Rd., Ste. 270
demonstrate that loan proceeds will enable it proceeds.
Austin, TX 78746
to enter a new export market or expand an • Most borrowers are required to make an
512-327-9229 or 800-504-2232
existing export market. The applicant must injection (borrower contribution) of just
512-327-9243 Fax
submit to the lender a plan that includes 10 percent which allows the business to
projected export sales for the upcoming year
Cen-Tex Certified Development Corp.
conserve valuable operating capital. A
as well as the dollar volume of export sales
Rosa Rios Valdez, Executive Director
further injection of 5 percent is needed if
for the previous year.
2212 S. Congress
the business is a start-up or new (less then Austin, TX 78704
2 years old) and a further injection of 5
Community Adjustment and percent is also required if the primary
512-326-9006 • 512-912-9869 Fax
collateral will be a single purpose building.
Investment Program
Central Texas Certified Development
• Two-tiered project financing: a lender
Company
The Community Adjustment & Investment finances approximately 50 percent of the
Program helps communities that suffered job
Van Smith, President
project cost and receives a first lien on the 3000 S. 31st St., Ste. 501
losses due to changing trade patterns project assets (but no SBA guaranty); A Temple, TX 76502-1802
following the North American Free Trade CDC (backed by a 100% SBA-guaranteed 254-899-8546 • 254-899-8333 Fax
Agreement. The North American debenture) finances up to 40% of the
Development Bank has partnered with the project costs secured with a junior lien.
Certified Development Corp. of the
SBA and the U.S. Departments of Agriculture The borrower provides the balance of the
Southwest
and the Treasury to make credit available to project costs.
Susan Daywood, President
• Fixed interest rate on SBA loan. SBA
businesses in affected communities to help
545 E. John Carpenter Frwy., Ste. 100
guarantees the debenture 100 percent.
create or retain jobs.
Irving, TX 75062
Debentures are sold in pools monthly to
972-639-6911 • 972-767-4400 Fax
private investors. This low, fixed rate is
SBA’s non-7(a) Loan
Community Certified Development Corp.
then passed on to the borrower and
Programs establishes the basis for the loan rate. A
Bill Ebersole, President
recent history of debenture rates may be
8590 Hwy. 6 N.
In addition to the 7(a) Loan Program SBA
found at www.nadco.org.
Houston, TX 77095
has four other non-disaster assistance • All project-related costs can be financed,
713-457-1650 ext. 201 • 713-457-0652 Fax
programs which can help small businesses including acquisition (land and building, Council Finance, Incorporated
gain access to capital and bonding. land and construction of building, Tom Mann, Director
renovations, machinery and equipment) 3702 Loop 322
and soft costs, such as title insurance and Abilene, TX 79604
CERTIFIED DEVELOPMENT appraisals. Some closing costs may be 325-672-8544 • 325-675-5214 Fax
COMPANY LOANS financed.
• Collateral is typically a subordinate lien on
Dallas Business Finance Corporation
(504 LOAN PROGRAM) the assets financed; allows other assets to
Charles McElrath, President
The 504 Loan Program is an economic be free of liens and available to secure
400 S. Zang Blvd., Ste. 1210
development program that supports other needed financing.
Dallas, TX 75208
American small business growth and helps • Long-term real estate loans are up to 20-
214-948-7800 • 214-948-8104 Fax
communities through business expansion and year term, heavy equipment 10 or 20-year
job creation. This SBA program provides term and are self-amortizing.
East Texas Regional Development
long-term, fixed-rate, subordinate mortgage
Company
Businesses that receive 504 loans are:
financing for acquisition and/or renovation of • Small — net worth under $7.5 million, net
David Cleveland and Luke Kimbrough
capital assets including land, buildings and profit after taxes under $2.5 million, or
3800 Stone Rd.
meet other SBA size standards.
equipment. Most for-profit small businesses
Kilgore, TX 75662
• Organized for-profit.
903-984-8641 or 903-984-3989
are eligible for this program. The types of • Most types of business — retail, service,
903-983-1440 Fax
businesses excluded from 7(a) loans (listed wholesale or manufacturing.
previously) are also excluded from the 504 The SBA’s 504 Certified Development
Fort Worth Economic Development Corp.
loan program. Companies serve their communities by
James Stokes Jr., Director
Loans are provided through Certified financing business expansion needs. Their
Don Davenport and Tony Sivo
Development Companies. CDCs work with professional staff works directly with
James E. Guinn School Complex 1
banks and other lenders to make loans in first borrowers to tailor a financing package that
150 South Frwy., Ste. 215
position on reasonable terms, helping lenders meets program guidelines and the credit
Fort Worth, TX 76104
retain growing customers and provide
817-871-6444 • 817-332-6456 Fax
capacity of the borrower’s business. For
Community Redevelopment Act credit. more information, go to
The SBA 504 loan is distinguished from
Greater East Texas Certified Development
www.sba.gov/services, then choose “SBA
the SBA 7(a) loan program in these ways:
Company
Loans” from the links in the right-hand
John Hart, Director
column. From there, click on “CDC/504
100 E. Ferguson, Ste. 906
• $1.5 million for businesses that create a
The maximum debenture is:
Program.”
Tyler, TX 75702
certain number of jobs or improve the 903-535-9229 • 903-535-9232 Fax
economy of the locality;
Ark-Tex Regional Development Co.
• $2 million for businesses that meet a
Richard Powell, Economic Dev. Manager North Texas Certified Development Corp.
specific public policy goal, including
L. D. Williamson, Executive Director Webb Cox, President
veterans; and
122 Plaza W./P.O. Box 5307 600 N. Central Expwy., Ste. 600-A
• $4 million for manufacturers.
Texarkana, TX 75505-5307 Plano, TX 75074
903-832-8636 • 903-832-2672 Fax 972-516-0514 • 972-424-7479 Fax
26 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

particular field or industry while others
invest more generally. Most SBICs
Texas Certified Development Company Accion - Dallas
concentrate on a particular stage of
Ernest Perales, President Contact: Veronica Wallace
investment such as start-up or expansion and
1701 E. 7th St. 400 S. Zang Blvd.
Austin, TX 78761 Dallas, TX 75208
512-433-1175 or 800-486-8620 866-312-3772 ext. 1302 • 214-941-6579 Fax focus on a specific geographic area. For more
512-433-1821 Fax
information contact your nearest SBA office
SMALL BUSINESS or the Web site at www.sba.gov/services,
then choose “Financial Assistance” from the
NOTE: CDC territories are not restricted and
each CDC may assist 504 clients on a
menu below. From there, click on “Equity
statewide basis. INVESTMENT
COMPANY PROGRAM Capital” and choose “SBA’s Investment
MICROLOAN PROGRAM There are a variety of alternatives to bank Program.”
The Microloan Program provides small financing for small businesses, especially
loans ranging from under $500 to $35,000. business start-ups. The Small Business
Investment Company Program fills the gap
Alliance Enterprise Corporation
Under this program, the SBA makes funds
between the availability of venture capital and
2435 N. Central Expwy., Ste 200
available to nonprofit intermediaries that, in
the needs of small businesses that are either
Richardson, TX 75080
turn, make the loans directly to 972-991-1597 • 972-991-4770 Fax
entrepreneurs, including veterans. Proceeds starting or growing. Licensed and regulated
can be used for typical business purposes by the SBA, SBICs are privately owned and
BA Capital Company, L.P.
such as working capital, machinery and managed investment funds that make capital
901 Main St., 22nd Fl.
equipment, inventory and leasehold available to qualifying small businesses
Dallas, TX 75202
improvements. Interest rates are negotiated through investments or loans.They use their
214-508-0900 • 214-508-0985 Fax
between the borrower and the intermediary. own funds plus funds obtained at favorable
For more information, go to rates with SBA guarantees. SBICs are for-
Blue Sage Capital, L.P.
www.sba.gov/services, then choose “SBA profit firms whose incentive is to share in the
114 W. 7th St., Ste. 820
Loans” from the links in the right-hand success of a small business. In addition to
Austin, TX 78701
column. From there, click on “Micro Loans.” equity capital and long-term loans, SBICs
512-536-1900 • 512-236-9215 Fax
Accion - Home Office San Antonio provide managerial assistance. The SBIC C3 Capital Partners II., L.P.
2014 S. Hackberry Program provides funding for a broad range 2100 McKinney Ave., Ste. 1550
of industries and stage of investment, in areas
San Antonio, TX Dallas, TX 75201
across the country. Some SBICs invest in a
888-215-2373 • 210-533-2940 Fax 214-292-2000 • 214-292-2007 Fax
www.acciontexas.org
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 27

For more information on the Surety Bond
Program, visit SBA’s web site at www.sba.gov
Capital Southwest Venture Corp. SunTx Fulcrum Fund II — SBIC, L.P.
and choose “Services.” From there, select
12900 Preston Rd., Ste. 700 Two Lincoln Centre
“Financial Assistance” and click on “Surety
Dallas, TX 75230 5420 LBJ Frwy., Ste. 1000
Bond.”
972-233-8242 • 972-233-7362 Fax Dallas, TX 75240
972-663-8901 • 972-661-9977 Fax
Catalyst Fund, Ltd. (The) U.S. Specialty Insurance Company
Two Riverway, Ste. 1710 Toronto Dominion Capital (U.S.A.), Inc. a/k/a Suretec Insurance Company
Houston, TX 77056 909 Fannin, Ste. 1950 Paul Robinson, Bob Cave, Kim Robinson and
713-623-8133 • 713-623-0473 Fax Houston, TX 77010 April Harcourt
713-653-8225 • 713-652-2647 Fax 9737 Great Hills Tr., Ste. 320
Catalyst/Amegy Mezzanine Capital, L.P. Austin, TX 78759
Two Riverway, Ste. 1710 Trident Growth Fund, L.P. 866-732-0099 or 512-732-0099
Houston, TX 77056 270 N. Denton Tap Rd., #100 512-732-2663 Fax
713-623-8133 • 713-623-0473 Fax Coppell, TX 75019
214-871-3000 • 469-635-7705 Fax American Surety
First Capital Group of Texas III, L.P. Timothy (Tim) Kirk
750 E. Mulberry, Ste. 305 Western Financial Capital Corporation 15814 Lower Lake Dr.
San Antonio, TX 78212 17950 Preston Rd., Ste. 600 Cypress, TX 77433
210-736-4233 • 210-736-5449 Fax Dallas, TX 75252 281-256-3830 • 281-256-3832 Fax
972-349-3200 • 972-349-3265 Fax
Independent Bankers Capital Fund, L.P. Southern American Insurance Agency C.A.
1700 Pacific Ave., Ste. 2740
Dallas, TX 75201 THE SURETY BOND (Al) McClure, Ken Meyer and Bill Kassab
13823 Schmidt Rd.
214-765-1350 • 214-765-1360 Fax GUARANTEE PROGRAM
Although it is not a business loan
Cypress, TX 77429
program, the Surety Bond Guarantee
281-890-9294 • 281-890-2229 Fax
Jardine Capital Corp.
Program is a public-private partnership
4610 Riverstone Blvd. Southwest Assurance Group, Inc.
between the federal government and the
Missouri City, TX 77459 Steve Rickenbacher, David C. Oxford, Charlie
surety industry providing small businesses
713-271-7077 • 713-271-7577 Fax Miller and Shannon Lewis
with the bonding assistance necessary for
9400 N. Central Expwy., Ste. 950
them to compete for government and
Main Street Capital II, L.P. Dallas, TX 75231
private contracting opportunities. The
1300 Post Oak Blvd., Ste. 800 800-929-5721 or 214-691-5721
guarantee provides the necessary incentive
Houston, TX 77056 214-691-4961 Fax
for sureties to bond small businesses that
713-350-6005 • 713-350-6001 Fax
would otherwise be unable to obtain
JDW Insurance Company
Main Street Mezzanine Fund, L.P.
bonding. They typically lack the combination
John Rindt
1300 Post Oak Blvd., Ste. 800
of working capital and a performance track
P.O. Box 981021
Houston, TX 77056
record necessary to secure bonding on a
El Paso, TX 79998
713-350-6000 • 713-350-6042 Fax
reasonable basis through regular commercial
866-496-8500 or 915-496-8447
channels.
915-496-8550 Fax
MESBIC Ventures, Inc.
2435 N. Central Expwy., Ste. 200
Through this program, the SBA Rogers & Belding Ins. Agency, Inc.
guarantees bid, payment, performance and
Richardson, TX 75080 Ted Stoltzman and Janet Aguilar
necessary ancillary bonds issued by surety
972-991-1597 • 972-991-4770 Fax 2505 E. Missouri
companies for individual contracts of up to
El Paso, TX 79903
$2 million on behalf of eligible small
North Texas MESBIC, Inc. (SSBIC) 915-534-3111 • 915-534-9431 Fax
construction, service, and supply contractors.
4563 W. Walnut St., Ste. 200
The SBA reimburses sureties a
Garland, TX 75042-5143 PSG Properties, Inc.
predetermined percentage of losses
972-272-0388 • 972-272-0988 Fax d/b/a Bond Tex
sustained if a contractor breaches the terms
Mike R. Harris
PMC Investment Corporation (SSBIC)
of the contract.
8101 Boat Club Rd., Ste. 360
17950 Preston Rd., Ste. 600
The SBA has two program options
Fort Worth, TX 76179
Dallas, TX 75252
available, the Prior Approval Program (Plan A)
800-998-8842 or 817-747-2663
972-349-3200 • 972-349-3265 Fax
and the Preferred Surety Bond Program (Plan
817-747-6660 Fax
B). In the Prior Approval Program, SBA
Power Equities, Inc. Southwest Assurance Group
guarantees 90 percent of a surety’s paid
2435 N. Central Expwy., Ste. 200 Steve Zinecker
losses and expenses on bonded contracts up
Richardson, TX 75080 1000 S. Main St., Ste. 240
to $100,000, and on bonds for socially and
972-991-1597 • 972-991-4770 Fax Grapevine, TX 76051
economically disadvantaged and HUBZone
866-328-7007 or 817-329-7007
contractors and veterans and service-
Red River Ventures I, L.P. 817-329-7011 Fax
disabled veterans.All other bonds guaranteed
6860 N. Dallas Pkwy., Ste. 200
in the Plan A Program receive an 80 percent
Plano, TX 75024 Insurance Associates of the Valley
guarantee. Sureties must obtain SBA’s prior
972-265-7946 • 972-265-7995 Fax Dayna Olivarez
approval for each bond guarantee issued.
521 S. 77 Sunshine Strip
Stratford Equity Partners, L.P.
Under the PSB Program, SBA guarantees
Harlingen, TX 78550
200 Crescent Ct., Ste. 1600
only 70 percent, but sureties may issue,
800-750-0490 or 956-423-0490
Dallas, TX 75201
monitor and service bonds without SBA’s
956-423-7668 Fax
214-740-7370 • 214-740-7393 Fax
prior approval.
28 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

South Point Insurance Agency Manuelita G. Pena Insurance Agency Alamo Surety Bonds
Apolonio Villarreal and Omar Villarreal Manuelita G. (Mandy) Pena James K. Swindle
2202-A S. 77 Sunshine Strip/P.O. Box 1509 1000 Whitewing 2361 Austin Hwy.
Harlingen, TX 78550 McAllen, TX 78501 San Antonio, TX 78218
956-421-3555 • 956-421-3556 Fax 956-631-0800 • 956-631-7362 Fax 210-930-5550 • 210-930-3255 Fax
A.J. Etheredge Company Insurors Indemnity Company Harding-Conley-Drawert-Tinch Insurance
Mitchell Fitzhenry and Laura Fitzhenry Tom Chase, Jim Piper and Somers Goodman Agency, Inc.
430 Hwy. 6 S., Ste. 150 3701 W. Waco Dr./P.O. Box 2683 Paul W. Poettgen and A.C. Tinch Jr.
Houston, TX 77079 Waco, TX 76701 4801 Northwest Loop 410, Ste. 111
713-464-4888 • 281-584-9008 Fax 800-933-7444 or 254-759-3830 P.O. Box 29069
254-755-6399 Fax San Antonio, TX 78229
Performance Bonds & Insurance Agency
U.S. Specialty Insurance Company a/k/a 210-647-0134 • 210-647-0138 Fax
Suretec Insurance Company
John Knox Jr., Christy Breining and Richard Robin G. Emens (Outside Houston Area) Tribble-Batjer Insurance Assoc., LLP
Sauer 2807 Pine Arbor Joseph P. O’Connor and Barbara Newcomb
952 Echo Ln., Ste. 450 Montgomery, TX 77356 404 E. Ramsey, Ste. 104
Houston, TX 77024 936-582-0342 • 936-582-0343 Fax San Antonio, TX 78216
888-344-3362 or 713-812-0800 888-500-7337 or 210-308-9438
713-812-0406 Fax U.S. Specialty Insurance Company a/k/a 210-308-9540 Fax
Suretec Insurance Company
PCL Contract Bonding Agency Michael Whisenant and Cam Fletcher Boley Featherston Insurance Co.
Steven Lewis, Pauline Lesch, Gary Matula and 7201 Bishop Rd., Ste. 250 Staci Gross and Tim Strange
Clem Lesch Plano, TX 75024 701 Lamar St./P.O. Drawer 10 (Zip 76307)
417 Oakbend Dr., Ste. 150 888-716-2663 or 469-241-1488 Wichita Falls, TX 76301
Lewisville, TX 75067-2345 469-241-1683 Fax 800-234-1167 or 940-723-7111
972-459-4749 • 972-459-4535 Fax 940-766-1620 Fax
Grayhawk Companies
David Tate Insurance Agency Brent W. Blonigan
David Tate and Charlie Tate 1740 N. Collins Blvd., Ste. 200
5233 79th St. Richardson, TX 75080
Lubbock, TX 79424 888-509-5559 or 972-671-9105 ext. 219
806-794-1177 • 806-794-0196 Fax 972-671-9804 Fax
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 29

30 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

BUSINESS PREPARATION
SMALL BUSINESS
TRAINING NETWORK How to Get Equipped With Business Intelligence
he Small Business Training Network Key Features of the SBTN: • Online, interactive assessment tools are
is an Internet-based training site. It featured and used to direct clients to
T provides small businesses with free
online courses, workshops, learning
tools and direct access to electronic
counseling and other forms of technical
assistance.
• Training is available anytime and
anywhere—all you need is a computer
with Internet access.
• More than 23 free online courses and
workshops available
appropriate training.
Find the SBTN at
www.sba.gov/training.
• Offers a comprehensive e-library with
hundreds of e-publications, electronic
tools and information resources.
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 31

CONTRACTING OPPORTUNITIES
FEDERAL PROCUREMENT
OPPORTUNITIES How to Apply for Government Contracts
The federal government is
the largest purchaser of
goods and services in the
world. However, small businesses
face challenges when trying to win
federal contracts. The SBA can help
small businesses work through these
challenges. Working closely with
federal agencies and the nation’s
leading large contractors, the SBA
works to ensure that small businesses
obtain a fair share of government
contracts and subcontracts. The SBA
has a number of programs to help
small firms do business with the
federal government.
For more information, visit:
www.sba.gov/gc
work with large businesses to identify and government contract on which it is the
THE PRIME
expand subcontracting opportunities for apparent low bidder.The SBA will conduct a
CONTRACTS PROGRAM small businesses. CMRs conduct compliance detailed review of the firm’s technical and
Through the Prime Contracts Program, reviews to ensure that large businesses financial capabilities to perform on the
the SBA helps to increase small business’ comply with small business subcontracting contract. If the business demonstrates the
share of government prime contracts. SBA requirements.They also provide guidance to ability to perform, the SBA issues a
Procurement Center Representatives work assist small businesses in identifying Certificate of Competency to the
to expand contracting opportunities for subcontracting opportunities and marketing Contracting Officer, requiring award of that
small businesses. PCRs review contracting their products and services to these large contract to the small business.
strategies and actions, recommend contractors.
contracting sources, and provide one-to-one CMRs also work with agencies to ensure
counseling and training to small businesses subcontracting with small and small,
SMALL BUSINESS
seeking to do business with the federal disadvantaged businesses, women-owned
SIZE STANDARDS
government. small businesses, HUBZone firms and small The Small Business Act states that a small
Visit the SBA’s Office of Government businesses owned by service-disabled business concern is “one that is
Contracting home page at: www.sba.gov/gc veterans through inclusion of subcontracting independently owned and operated and
for a listing of PCRs and buying installations evaluation factors and sub-factors. which is not dominant in its field of
nationwide. operation.” The law also states that in
determining what constitutes a small
The Subcontracting Assistance THE CERTIFICATE OF business, the definition will vary from
Program COMPETENCY PROGRAM industry to industry to reflect industry
The Subcontracting Assistance Program The Certificate of Competency program differences accurately. The SBA’s Small
promotes maximum use of small businesses allows a small business to appeal a Business Size Regulations (13 CFR Part 121,
by the nation’s large prime contractors. The contracting officer's determination that it is
implement the Small Business Act’s mandate
www.sba.gov/size/indextableofsize.html)
SBA’s Commercial Market Representatives unable to fulfill the requirements of a specific
to the SBA.
32 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

The SBA has also established a table of disabled veteran ownership.The DSBS serves governments, nonprofit organizations,
size standards, matched to North American as a marketing tool for small businesses colleges and universities, and even foreign
Industry Classification System industries, because the business profiles in the DSBS governments for the same purpose.
used to determine eligibility for SBA include information from SBA’s files and The Web site has shifted the traditional
programs and small business preferences for other available databases plus additional marketing strategy from the shotgun
federal government contracts. business and marketing information on approach to one that is more focused and
See more at: individual firms. sophisticated. Instead of marketing blindly to
gov/services/, then click on “Size Standards” To search the DSBS for small businesses, hundreds of prime contractors, with no
http://www.sba.
under the “Contracting Opportunities” click on: http://dsbs.sba.gov/dsbs/search/ certainty that any given company has a need
menu across the bottom. dsp_dsbs.cfm or select the “Dynamic Small for their product or service, small businesses
Business Search” at the CCR Web site at:
can now use their resources (saving time and
Size Determination money) to identify concrete, tangible
Registration in the DSBS is through the
http://www.ccr.gov.
The Size Determination Program, opportunities and then submit bids/proposals
CCR. For more information on CCR, or to
administered by SBA’s six government targeting these potential subcontracting
register, click the CCR Web site. Before
contracting area offices, ensures that only registering in CCR, go to the top of the Web opportunities.
small firms receive contracts and other page and download the handbook which SUB-Net is available at the SBA Web site
benefits reserved exclusively for small contains data for a successful registration. by visiting:
business.When a firm’s claim that it is small is
challenged, the SBA determines if the firm
http://web.sba.gov/subnet
does, in fact, meet established SBA size SUB-NET
standards. Size determinations may also be Prime contractors use SUB-Net to post HUBZONE PROGRAM
subcontracting opportunities. Small The Historically Underutilized Business
made when requested in connection with
businesses can review this Web site to Zone Program stimulates economic
other federal small business programs.
identify opportunities in their area(s) of development and creates jobs in urban and
Additional information is available at the
expertise. While the Web site is designed rural communities by providing federal
above “Size Standards” site.
primarily as a place for large businesses to contracting assistance to small businesses.
post solicitations and notices, it is also used The HUBZone program establishes
SMALL BUSINESS by federal agencies, state and local preferences for award of federal contracts to
VENDOR DATABASE
As part of the Integrated Acquisition
Environment Initiative, the SBA works with
the General Services Administration and
Department of Defense to provide a
database of vendors, including small business.
The Central Contractor Registration System
is the primary gateway vendor and grantee
database for the federal government. CCR
collects, stores and disseminates data to
support agency acquisition and grants
missions. Both current and potential federal
government vendors and grantees are
required to register in CCR to receive
federal contracts or grants. Vendors are
required to complete a one-time registration
to provide basic information relevant to
procurement, grant and financial transactions.
Vendors must update or renew their
registration at least once a year to maintain
an active status. The SBA provides the CCR
with authoritative source information
regarding certifications under 8(a) Business
Development, HUBZone and Small
Disadvantaged Business programs and
provides the small business size status against
each North American Industry Classification
code listed in a registrant’s profile.
SBA maintains the Dynamic Small
Business Search function of the CCR.
Businesses profiled on the DSBS can be
searched by NAICS codes, keywords,
location, quality certification, bonding level
business type, ownership, SBA certification,
and by women, minority, veteran and service-
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 33

small businesses located in historically businesses and improve their ability to For additional information regarding
underutilized business zones. compete in the mainstream of the American evidence of social disadvantage, please visit:
In general, small businesses may obtain economy.
HUBZone certification by employing staff Business development assistance includes
http://www.sba.gov/aboutsba/sbaprograms/
who live in a HUBZone and maintaining a one-to-one counseling, training workshops,
8abd/index.html.
“principal office” in one of these specially and other management and technical Economic disadvantage:
designated areas. guidance required to expand into the federal Economically disadvantaged individuals are
government contracting arena. socially disadvantaged individuals whose
The SBA enters into contracts with other ability to compete in the free-enterprise
SBA is responsible for:
• Determining whether or not individual
concerns are qualified HUBZone small federal agencies and subcontracts the system has been impaired due to diminished
business concerns, and therefore eligible to performance of such contracts to 8(a) capital and credit opportunities as compared
receive HUBZone contracts; program participants. to others in the same or similar line of
• Maintaining a list of qualified HUBZone business who are not socially disadvantaged.
Business owners interested in more
small business concerns for use by
information should consider attending
acquisition agencies in awarding contracts Net worth:
under the program; and monthly orientation meetings in: For initial 8(a) Program certification, the
• Adjudicating protests and appeals of Dallas net worth of an individual claiming
eligibility to receive HUBZone contracts. 10:00 a.m. – First Monday of each month
disadvantage, must be less than $250,000.
For continued 8(a) Program eligibility after
To qualify for the program, a
Bill J. Priest Center for Economic Development
admission, net worth must be less than
1402 Corinth St., Rm. 2660
business must meet the $750,000. In determining such net worth,
214-860-5865
following criteria: SBA will exclude the ownership interest in
• It must qualify as a small business by SBA the applicant business and the equity in the
Fort Worth
size standards; primary residence.
10:00 a.m. – First Wednesday of each month
• Its principal office must be located within a
U. S. Small Business Administration
HUBZone, which includes lands on Day-to-Day Management:
4300 Amon Carter Blvd., Ste. 114
federally recognized Indian reservations
817-684-5500
• Management and daily business operations
and covered by phrase “Indian Country”; To obtain application information for the must be controlled by the disadvantaged
• It must be owned (at least 51 percent) by 8(a) program contact: individual(s) upon whom eligibility is based.
one or more U.S. citizens, Community • The individual(s) must have management
Development Corporation, an agricultural
Dallas/Fort Worth District Office
or technical expertise.
cooperative, an Indian tribe; and
For additional information on the 8(a)
U. S. Small Business Administration
• At least 35 percent of its employees must
4300 Amon Carter Blvd., Ste. 114
reside in a HUBZone.
Fort Worth, TX 76155
Business Development Program, please visit:
Existing businesses that choose to move
817-684-5500 • 817-684-5516 Fax
http://www.sba.gov/aboutsba/sbaprograms/
to qualified areas are eligible. To fulfill the
www.sba.gov/8abd
Eligibility Criteria:
8abd/index.html.
requirement that 35 percent of a HUBZone
firm’s employees reside in a HUBZone, Small Disadvantaged Business
employees must live in a primary residence Certifications
To participate in the 8(a) program, a business
within that area for at least 180 days or be a To qualify as a small disadvantaged
• a small business concern
must be:
currently registered voter in that area. • owned by a U.S. citizen
business, a firm must be owned and
controlled by one or more individuals who
For additional information regarding the • at least 51 percent unconditionally owned
and controlled by one or more an are socially and economically disadvantaged.
HUBZone Program, please visit:
individual(s) who qualify as socially and Congress has directed that individuals who
http://www.sba.gov/services/contractingoppo
economically disadvantaged are members of certain ethnic groups are
rtunities/contracting/hubzone/index.html/. • established for two full years before presumed to be disadvantaged. Other
applying (or qualifying for a waiver of the persons, including women and persons of any
ASSISTANCE FOR SMALL two-year rule) race, can also qualify by establishing their
disadvantaged status.
AND DISADVANTAGED Social disadvantage: Firms seeking to be SDB-certified by SBA,
BUSINESSES Socially disadvantaged is defined as may certify themselves for federal prime
8(a) Business Development individuals who have been subjected to racial contracts and federal subcontracts without
Program or ethnic prejudice or cultural bias because submitting any application to SBA for SDB
of their identity as a member of a group certification.
The SBA’s Section 8(a) Business
Development Program provides various without regard to their individual capabilities. To self-represent as small disadvantaged
forms of assistance (management and The following individuals are presumed to be businesses, firms should:
technical assistance, financial assistance, socially disadvantaged: Black Americans, 1) Update their Central Contractor
government contracting assistance and Native Americans, Hispanic Americans, Asian Registration (CCR) profile, ensuring they
Pacific Americans and Subcontinent Asian select they are a self-certified Small
advocacy support) to foster the growth and
Disdavantaged Business; and
development of businesses owned by socially Americans. An individual who is not a 2) Update their company's Online
and economically disadvantaged individuals. member of one of the groups presumed to Representation and Certification
SBA assists these businesses, (during a nine- be socially disadvantaged must establish Application - specifically, 52.219-1(b)(2),
year tenure in the 8(a) Business individual social disadvantage by a where they would also check the box that
Development Program), to gain access to the preponderance of the evidence. Anyone may they are a self-certified Small
resources necessary to develop their Disadvantaged Business.
apply for 8(a) Program certification.
34 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

Other than its list of certified 8(a) firms, The Mentor-Protégé Program agreements and contracts with public or
SBA will no longer maintain a list of certified for 8(a) Participants private organizations to pay all or part of the
SDB firms. The 8(a) Business Development Through the SBA’s Mentor-Protégé cost of technical or management assistance
Program is not affected by this rule. Firms Program, 8(a) Program participants can for individuals or concerns eligible for
may continue to apply on-line for 8(a) receive in-depth business advice to assist assistance under sections: 7(a) (11), 7(j) (10),
or 8(a) of the Small Business Act. Specifically,
Certification. Criteria for 8(a) certification them in becoming more competitive in
the following are eligible to receive
differs from the criteria for SDB certification, obtaining federal government contracts. The management and technical assistance
as outlined in the eligibility requirements. SBA’s Mentor-Protégé Program encourages including businesses which qualify as small
Please review the 8(a) eligibility criteria and private-sector relationships and broadens the under 13CFR part 121 of this title: concerns
instructions (http://training.sba.gov:8000/ agency’s efforts to address the needs of located in urban or rural areas with high
assessment) before applying for SBA’s 8(a) clients in the 8(a) Program. proportions of unemployed or low-income
program. If you are an 8(a) participant, mentors can individuals, or which are owned by such low-
provide you with technical and management income individuals; and businesses eligible to
Online 8(a)/SDB Application assistance, financial assistance in the form of receive 8(a) contracts.
The online 8(a)/SDB application allows equity investments or loans, subcontract The types of assistance available to eligible
small companies to apply for 8(a) Business support, and assistance in performing prime individuals through the Management and
Development and Small Disadvantaged contracts through joint-venture Technical Assistance Program include
arrangements with 8(a) businesses. counseling and training in the areas of:
Business certification directly from SBA’s • Finance
Web site. The 8(a)/SDB online application For additional information, please visit: • Management
incorporates features including context • Accounting
sensitive help, real-time validation, printer-
http://www.sba.gov/aboutsba/sbaprograms/8
• Bookkeeping
friendly versions and integrates with the
abd/index.html.
• Marketing and presentation analysis
CCR/DSBS. • Advertising
You may access the electronic 8(a)/SDB • Loan packaging
MANAGEMENT AND
application by visiting: https://sba8a. TECHNICAL ASSISTANCE • Proposal bid preparation
SBA’s Section 7(j) Management and • Feasibility studies
Technical Assistance Program authorizes the • Industry specific technical assistance
If you have difficulty with SBA's General
symplicity.com/applicants/guide
SBA to enter into grants, cooperative • The identification and development of new
Login System, please contact business opportunities
If you have difficulty with the Central
ITSecurity@sba.gov.
Contractor Registration, please go to
http://www.ccr.gov/help.asp for contact
information.
If you are having difficulty with the
Dynamic Small Business Search (DSBS),
please contact the DSBS Help Desk at 202-
205-9984 or e-mail PRONET@sba.gov.
For Small Disadvantaged Business
E-application, please contact SDB@sba.gov.
For 8(a) Business Development
E-application, please contact 8ABD@sba.gov.
The Mentor-Protégé Program
for 8(a) Participants
Through the SBA’s Mentor-Protégé
Program, 8(a) Program participants can
receive in-depth business advice to assist
them in becoming more competitive in
obtaining federal government contracts. The
SBA’s Mentor-Protégé Program encourages
private-sector relationships and broadens
efforts to address the needs of clients in the
8(a) Program.
If you are an 8(a) participant, mentors can
provide you with technical and management
assistance, financial assistance in the form of
equity investments or loans, subcontract
support, and assistance in performing prime
contracts through joint-venture
arrangements with 8(a) businesses.
For more information, visit:
http://www.sba.gov/services/contracting
opportunities/bdp/8a/index.html.
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 35

More information is at: SBIR Requirements: STTR Requirements:
http://www.sba.gov/aboutsba/sbaprograms/ Small businesses must meet the following Small businesses must meet the following
8abd/grantinfo/index.html eligibility criteria to participate in the SBIR eligibility criteria to participate in the STTR
program. Program.
SERVICE-DISABLED • Be 51 percent owned and controlled by • Be 51 percent owned and controlled by
one or more individuals who are U.S. one or more individuals who are U.S.
VETERAN-OWNED SMALL citizens or permanent resident aliens in citizens or permanent resident aliens in
BUSINESS the U.S. or be a for-profit business concern the U.S.
that is at least 51 percent owned and • Be organized for profit.
In 1999, public law established federal
controlled by another for-profit business • Principal researcher need not be
procurement opportunities for veterans and concern that is at least 51 percent owned employed by small business.
service-disabled veterans. In 2003, the Small and controlled by one or more individuals • Small business must conduct at least 40
Business Act established procurement vehicles who are citizens of, or permanent resident percent of the work.
for small businesses owned and controlled by aliens in, the U.S. • Company size cannot exceed 500
service-disabled veterans. • Be organized for profit. employees. (No size limit for nonprofit
Contracting officers may award a sole- • Principal researcher must be employed by research institution).
source or set-aside contract to a small business small business.
owned by a service-disabled veteran if: • Company size cannot exceed 500 The nonprofit research institution partner
• The business is a responsible contractor employees.
• Be located in the United States and be
must also meet certain eligibility criteria:
able to perform the contract, and the For more information on the SBIR
contracting officer does not reasonably one of the following:
Program visit www.sba.gov/services, then • Nonprofit college or university.
expect two or more small businesses
owned and controlled by service-disabled scroll down the “Contracting Opportunities” • Domestic nonprofit research
veterans will submit offers. menu along the bottom and click on organization.
• The anticipated award price of the “Contracting Program.” From there, select • Federally funded R&D center.
contract (including options) won’t exceed “SBIR/STTR Programs” from the menu that • The research institution must conduct at
$5 million in case of a contract appears on the right-hand side. least 30 percent of the work.
opportunity assigned a North American
Industry Classification System code for Participating Agencies: Participating Agencies:
manufacturing; or Each year the following five Federal
Each year, the following eleven federal
• $3 million in the case of any other contract
opportunity; departments and agencies are required to departments and agencies are required by
• In the estimation of the contracting officer, reserve a portion of their R&D funds for STTR to reserve a portion of their R&D
the contract award can be made at a fair award to small business: Departments of funds for award to small business/nonprofit
and reasonable price. Agriculture; Commerce; Defense; Education; research institution partnerships:
Additionally, a contracting officer may Energy; Health and Human Services; Department of Defense; Department of
award contracts after competition restricted Homeland Security; Transportation; Energy; Department of Health and Human
to small business concerns owned and Environmental Protection Agency; National Services; National Aeronautics and Space
controlled by service-disabled veterans if the Administration; and National Science
Aeronautics and Space Administration; and
contracting officer reasonably expects two
or more small businesses owned and National Science Foundation. Foundation.
controlled by service-disabled veterans will
submit offers and that the award can be made TECH-NET
at a fair market price. SMALL BUSINESS TECH-Net is an Internet-based database
Veterans and service-disabled veterans TECHNOLOGY TRANSFER of information containing Small Business
may participate in all SBA procurement Innovation Research awards, Small Business
programs. To determine your eligibility,
PROGRAM
This STTR program reserves a specific Technology Transfer awards, Advanced
contact your local veterans business Technology Program awards, and
development officer in your nearest SBA percentage of federal R&D funding for award Manufacturing Extension Partners centers.
district office, visit the various program Web to small business and nonprofit research It is a search engine and electronic gateway
sites or contact the SBA’s Office of Veterans institution partners. Small business has long of technology information and resources for
Business Development at www.sba.gov/vets. been where innovation and innovators and about small high-tech businesses. It is a
thrive. But the risk and expense of tool for researchers, scientists, state, federal
conducting serious R&D efforts can be and local government officials, a marketing
tool for small firms and a potential “link” to
SMALL BUSINESS
beyond the means of many small businesses.
INNOVATION Conversely, nonprofit research laboratories investment opportunities for investors and
RESEARCH PROGRAM are instrumental in developing high-tech other sources of capital.
The SBIR Program encourages small innovations. But frequently, innovation is TECH-Net is a free service for those
businesses to explore their technological seeking small business partners, small
confined to the theoretical, not the practical. business contractors and subcontractors,
potential by reserving a specific percentage of STTR combines the strengths of both entities
federal research and development funds for leading edge technology research, research
by introducing entrepreneurial skills to high- partners, (e.g. small businesses, universities,
small businesses. The program serves to fund tech research efforts. The technologies and federal labs and non-profit organizations),
the critical startup and development stages products are transferred from the laboratory manufacturing centers and investment
for a technology and encourages opportunities.
to the marketplace.The small business profits
commercialization of the technology, product
from the commercialization, which, in turn, TECH-Net is available at:
or service. In turn, this stimulates the U.S.
economy. stimulates the U.S. economy. http://tech-net.sba.gov/index.cfm.
36 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

DISASTER RECOVERY
DISASTER ASSISTANCE Knowing the Types of Assistance Available for Recovery
gives SBA several powerful tools to make
disaster loans affordable: low-interest rates
(around 4 percent), long-terms (up to 30
years), and refinancing of prior liens (in some
cases). As required by law, the interest rate
for each loan is based on SBA’s
determination of whether each applicant
does or does not have credit available
elsewhere (the ability to borrow or use their
own resources to overcome the disaster).
More information on all of SBA’s disaster
assistance programs is at:
http://www.sba.gov/services/disasterassistan
ce/index.html.
Disaster Preparedness
For small businesses, surviving a disaster
doesn’t begin with clearing the debris and
returning to work.
Surviving begins long before the disaster
he disaster program is SBA’s largest loans to small businesses, small agricultural strikes – with proper planning. Your planning
direct loan program, and the only cooperatives and private nonprofit
T SBA program for entities other than
small businesses. SBA is responsible
for providing affordable, timely and
accessible financial assistance to
homeowners, renters, businesses of all sizes
and private, non-profit organizations
organizations of all sizes. The loan limit for
economic injury, as a direct result of the
disaster event, is $2 million. These working
capital loans are intended to be made to
entities without credit elsewhere, as
determined by SBA, to help pay ordinary and
should include insurance coverage,
emergency power, company records, fire
safety, medical emergencies, taking care of
your employees and continuity planning –
how your business will continue during and
after the emergency or disaster.
Starting is as easy as clicking on the SBA’s
following declared disasters. By law, neither necessary operating expenses that would
have been payable barring the disaster event. Disaster Preparedness Web site at:
governmental units nor agricultural
The limit for physical and EIDL loans
enterprises are eligible. ce/disasterpreparedness/index.html. The site
http://www.sba.gov/services/disasterassistan
combined is $2 million.
The SBA is authorized by the Small In addition to disaster loans, the SBA also includes a wealth of information on the SBA’s
Business Act to make two types of disaster provides loan support to Military Reservists: disaster recovery programs for homeowners
loans: and renters, and businesses of all sizes. There
Military Reservist Economic are articles on emergency planning for
Physical Disaster Loans disasters, descriptions of SBA’s programs, and
Physical Disaster Loans are the primary Injury
Military Reservists Economic Injury links to government and industry Web sites
source of funding for permanent rebuilding with great planning information.
and replacement of uninsured or Disaster Loans are available for up to $2
million to assist eligible small businesses meet There is also a link to www.ready.gov, the
underinsured disaster damages to privately- Department of Homeland Security’s Web
owned real and/or personal property. SBA’s their ordinary and necessary operating
expenses that they could have met, but are site for home and business disaster planning.
physical disaster loans are available to Small- to medium-sized businesses are the
homeowners, renters, businesses of all sizes unable to meet, because an essential
employee was “called up” to active duty in most vulnerable in an emergency. A plan can
and private nonprofit organizations of all help protect your company and enhance its
sizes. The loan limit for personal property his/her role as a military reservist. These
loans are intended to provide only the potential to recover after an emergency.
(for homeowners and renters) is $40,000 The ready.gov site contains downloadable
and the loan limits for real estate are amount of working capital needed by a small
business to pay its necessary obligations as publications detailing the planning you’ll need
$200,000 for homeowners and $2 million for to stay in business after a disaster strikes.
businesses. they mature until operations return to
normal after the essential employee is One publication, the Ready Business
released from active military duty. Mentoring Guide – User Edition, contains
Economic Injury Disaster For all disaster loans, SBA can only worksheets, checklists, testimonials and a
Loans approve loans to applicants having a credit sample emergency plan to use for study. You
Economic injury disaster loans provide the history acceptable to SBA and who also can order the publication or download it
necessary working capital until normal show the ability to repay all loans. The terms free.
operations resume after a declared disaster. of each loan are established in accordance Planning for a disaster is the best way of
The law restricts economic injury disaster with each borrower’s ability to repay. The law limiting its effects.
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 37

ADVOCACY
WATCHING OUT FOR YOU The SBA is Your Voice in Washington
Advocacy’s mission is enhanced by a team Comments are forwarded to federal
of regional advocates, located in the SBA’s 10 agencies for review, and in some cases fines
OFFICE OF ADVOCACY
The SBA’s Office of Advocacy, the “small
regions. They are Advocacy’s direct link to may be lowered or eliminated and decisions
business watchdog” of the government,
small business owners, state and local changed in favor of the small business owner.
examines the role and status of small
government entities, and organizations that Each year the National Ombudsman files a
business in the economy and independently
support the interests of small entities. The report with the U.S. Congress on the
represents the views of small business to
regional advocates help identify regulatory responsiveness of federal agencies regarding
federal agencies, Congress, the President and their actions of regulatory and compliance
concerns of small business by monitoring the
federal appellate courts as friends of the enforcement on small businesses.
impact of federal and state policies at the
court. Advocacy compiles and interprets To request help, send the National
grassroots level. Finally, the office is headed
statistics on small business and is the primary Ombudsman a complete Federal Agency
by the Chief Counsel for Advocacy who is
entity within the federal government to Comment Form. You may do this by fax at
appointed by the President and confirmed by
disseminate small business data. 202-481-5719; online at the Ombudsman’s
the U.S. Senate.
Advocacy also funds outside research into Web page: http://www.sba.gov/aboutsba/
Learn more about the Office of Advocacy
small business issues and produces numerous sbaprograms/ombudsman/index.html; or by
at: www.sba.gov/advo.
publications to inform policy makers about mail at 409 Third Street S.W., Mail Code
the important role of small business in the 2120,Washington, DC 20416.
economy and the impact of government OFFICE OF THE NATIONAL The Ombudsman also coordinates 10
policies on small business. In addition, the OMBUDSMAN regional regulatory fairness boards which
office monitors federal agency compliance If excessive fines, penalties or unfair meet regularly to receive comments about
with the Regulatory Flexibility Act – the law regulatory enforcement by federal agencies federal regulations affecting small businesses.
that requires agencies to analyze the impact are problems for your small business, you Learn more about the National
of their proposed regulations on small have a voice in Washington, D.C., through the Ombudsman from the Web site above or call
entities (including small businesses, small SBA’s Office of the National Ombudsman. 888-REG-FAIR.
governmental jurisdictions and small The Ombudsman receives comments
nonprofit organizations), and consider regarding federal regulatory enforcement
regulatory alternatives that minimize the from small business owners, nonprofit
economic burden on small entities. organizations and small government entities.
38 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

OTHER ASSISTANCE
Chambers of
Commerce
FLOWER MOUND METROPOLITAN BLACK
OTHER SOURCES OF CHAMBER OF COMMERCE CHAMBER OF COMMERCE
ASSISTANCE Chambers of Commerce serve as a central
972-539-0500 817-871-6538
Other Small Business
location where the local small business FORT WORTH CHAMBER OF COMMERCE MIDLOTHIAN
Resource Centers
community may obtain information, 817-336-2491 CHAMBER OF COMMERCE
publications and contact information.
FORT WORTH HISPANIC 972-723-8600
DALLAS, TEXAS CITY OF DALLAS, OFFICE
AREA CHAMBERS: CHAMBER OF COMMERCE
OF ECONOMIC DEVELOPMENT, SMALL NORTH DALLAS
817-625-5411
BUSINESS INITIATIVES ALL ASIAN AMERICAN GREATER CHAMBER OF COMMERCE
Keisha Ward CHAMBER OF COMMERCE FRISCO CHAMBER OF COMMERCE 214-368-6485
1500 Marilla, Rm. 5CS 817-475-4783 972-335-9522
Dallas, TX 75201 NORTHEAST TARRANT
214-939-2846 • 214-670-0158 F ALLEN CHAMBER OF COMMERCE GAINESVILLE AREA CHAMBER OF COMMERCE
972-727-5585 CHAMBER OF COMMERCE 817-281-9376
TEXAS MEZZANINE FUND 888-585-4468 or 940-665-2831
351 W. Jefferson Blvd., Ste. 670 AMERICAN INDIAN
GARLAND CHAMBER OF COMMERCE NORTHWEST TARRANT
Dallas, TX 75208 CHAMBER OF COMMERCE OF TEXAS
972-272-7551 CHAMBER OF COMMERCE
214-943-5900 or 877-666-9863 817-429-2323
817-237-0060
214-943-5905 F GRAND PRAIRIE
ARGYLE CHAMBER OF COMMERCE
Texas Mezzanine Fund (TMF) is a statewide CHAMBER OF COMMERCE OAK CLIFF CHAMBER OF COMMERCE
940-464-9990
Community Develop-ment Financial 972-264-1558 214-943-4567
Institution (CDFI) that provides financing to
ARLINGTON AFRICAN AMERICAN
growth-oriented businesses located in low- GRAPEVINE CHAMBER OF COMMERCE PLANO CHAMBER OF COMMERCE
CHAMBER OF COMMERCE
or-moderate income communities or that 817-481-1522 972-424-7547
817-688-8225
provide jobs for low-to-moderate income
persons. TMF also finances growth and ARLINGTON CHAMBER OF COMMERCE GREATER ARLINGTON HISPANIC RICHARDSON CHAMBER OF COMMERCE
expansion of minority and women-owned 817-275-2613 CHAMBER OF COMMERCE 972-792-2800
businesses throughout Texas. The Fund 817-461-8815
provides term loans for expansion, AZLE CHAMBER OF COMMERCE ROCKWALL COUNTY
equipment, owner-occupied real estate, or 817-444-1112 GREATER DALLAS ASIAN AMERICAN
CHAMBER OF COMMERCE
any combination of the three. TMF can CHAMBER OF COMMERCE
972-771-5733
provide financing from $50,000 to BALCH SPRINGS 972-241-8250
$500,000 to assist businesses needing credit CHAMBER OF COMMERCE
GREATER DALLAS ROWLETT CHAMBER OF COMMERCE
enhancement to qualify for traditional 972-557-0988
CHAMBER (GDC) OF COMMERCE 972-475-3200
investment or bank financing. TMF may
BENBROOK CHAMBER OF COMMERCE 214-746-6600
also fund “stand-alone” investments of up SACHSE CHAMBER OF COMMERCE
817-249-4451
to $300,000. GREATER DALLAS HISPANIC CHAMBER 972-496-1212
BURLESON AREA OF COMMERCE
FORT WORTH, TEXAS FORT WORTH CHAMBER OF COMMERCE 214-521-6007 SAGINAW CHAMBER OF COMMERCE
BUSINESS ASSISTANCE CENTER (BAC) 817-295-6121 817-232-0500
James E. Guinn School Complex GREATER IRVING - LAS COLINAS
1150 S. Frwy. CEDAR HILL CHAMBER OF COMMERCE CHAMBER OF COMMERCE SEAGOVILLE CHAMBER OF COMMERCE
Fort Worth, TX 76104 972-291-7817 214-217-8484 972-287-5184
817-871-6001
COLLEYVILLE CHAMBER OF COMMERCE HURST-EULESS-BEDFORD SOUTHEAST DALLAS
BAC Partners include: 817-488-7148 CHAMBER OF COMMERCE CHAMBER OF COMMERCE
• Alliance Lending Corporation – 817-283-1521 214-398-9590
www.alliancecdc.com COPPELL CHAMBER OF COMMERCE
KELLER CHAMBER OF COMMERCE
• Fort Worth Metropolitan Black 972-393-2829 SOUTHLAKE CHAMBER OF COMMERCE
817-431-2169
Chamber of Commerce – 817-481-8200
www.fwmbcc.org CROWLEY CHAMBER OF COMMERCE LANCASTER CHAMBER OF COMMERCE
• Fort Worth Business Assistance 817-297-4211 972-227-2579 SOUTH TARRANT COUNTY
Center – www.fwbac.com CHAMBER OF COMMERCE
• Manufacturers Association of North DALLAS BLACK CHAMBER OF COMMERCE LEWISVILLE CHAMBER OF COMMERCE
817-568-2685
Texas - - www.mant.us 214-421-5200 972-436-9571
• SCORE – www.scorefortworth.com TARRANT COUNTY ASIAN AMERICAN
DALLAS NORTHEAST MANSFIELD AREA
• Small Contractor’s Development CHAMBER
CHAMBER OF COMMERCE CHAMBER OF COMMERCE
Program – www.scdp.com 817-212-2690
214-828-1400 817-473-0507
• Southeast Fort Worth, Inc.
TCC-Small Business Development DENTON CHAMBER OF COMMERCE MCKINNEY CHAMBER OF COMMERCE THE COLONY CHAMBER OF COMMERCE
Center – www.tccd.edu 940-382-9693 972-542-0163 972-625-4916
• TEC Fort Worth –
www.techfortworth.com DESOTO CHAMBER OF COMMERCE MESQUITE CHAMBER OF COMMERCE WAXAHACHIE CHAMBER OF COMMERCE
• Texas Manufacturing Assistance 972-224-3565 972-285-0211 972-937-2390
Center – www.tmac.org METROCREST CHAMBER OF COMMERCE
(ADDISON, CARROLLTON & FARMERS
• William Mann Jr. Community DUNCANVILLE CHAMBER OF COMMERCE WHITE SETTLEMENT
Development Corporation – 972-780-4990 CHAMBER OF COMMERCE
BRANCH)
www.wmcdc.com 817-246-1121
FARMERS BRANCH 972-416-6600
CHAMBER OF COMMERCE UNITED STATES CHAMBER OF COMMERCE
972-243-8966 972-387-1099
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 39

TOP LENDERS
PATRIOT EXPRESS
LENDERS
SMALL BUSINESS LOAN SOURCE CITIZENS NATIONAL BANK OF TX FROST NATIONAL BANK, THE PLAINS CAPITAL BANK
10573 N. MacArthur Blvd., #1161 P.O. Box 717 P.O. Box 1600 18111 Preston Rd., Ste. 110
Irving, TX Waxahachie, TX 75168 San Antonio, TX 76102 Dallas, TX 75252
Dale Donnell Noel Mullins Linda Wileman Chris Defransico
AMEGY
972-910-9448 • 888-983-5669 F 972-351-5117 • 972-938-4364 F 210-220-4543 • 210-220-4588 F 972-732-1989 • 972-248-7728 F
4650 Belt Line Rd.
Addison, TX FROST BANK
SOUTHWEST BANK COMMUNITY BANK (TEXAS) PLAINS CAPITAL BANK
Karen Thompson 9001 Airport Frwy., #100
3737 S.W. Loop 820 201 W. Ellison 5010 University Ave.
214-754-6096 • 214-754-9664 F N. Richland Hills, TX 76180
Fort Worth, TX Burleson, TX 76028 Lubbock, TX 79408
Sharon Beckner P Diann Brewer Christopher Jones Barry Ballinger
BANCORPSOUTH BANK 817-470-5200 • 817-470-5217 F
817-735-9953 • 817-529-2991 F 817-426-7003 • 817-447-8140 F 806-791-7241 • 806-791-6866 F
3000 New Boston Rd.
Texarkana, TX GRAND BANK OF TEXAS
TEXAS CAPITAL BANK COMPASS BANK PROSPER BANK
David Crenshaw 2341 S. Beltline Rd.
4230 LBJ Frwy., Ste. 100 17218 Preston Rd., 2nd Fl. 805 E. First St.
903-334-7532 • 903-831-5791 F Grand Prairie, TX 75051
Dallas, TX Dallas, TX 75252 Prosper, TX 75078
Don Goldsmith
Jeff Kocher Greg Clarkson Larry Miller
BANK OF AMERICA, N.A. Bill Moser
972-450-5072 • 972-450-5066 F 972-735*3577 • 972-735-3598 F 469-360-6073 • 469-952-5501 F
15303 N. Dallas Pkwy. 972-264-4811 • 972-264-3609 F
Addison, TX
WELLS FARGO TEXAS, N.A. FIDELITY BANK INDEPENDENT BANK OF TEXAS REGIONS BANK
Jorge Aguilar
1445 Ross Ave., 23rd Fl. 301 S. Ave. D 4300 N. Beltline Rd. 213 N. Fredonia
972-383-1057 • 312-453-5224 F
Dallas, TX Burkburnett, TX 76354 Irving, TX 75038 Longview, TX 75601
Dwight Hilton Danny Cremeens Richard Shook Bobby Bustin
BANK OF TEXAS (OKLAHOMA),
214-661-1246 • 866-494-8918 F 940-569-9000 • 940-569-9003 F 972-870-9300 • 972-870-9333 F 903-237-3595 • 903-237-3590 F
N.A.
EXPRESS LENDERS
6105 W. Park Blvd.
FIRST BANK JPMORGAN CHASE BANK N.A. SOUTHWEST BANK (FT. WORTH)
Plano, TX
4110 Kell Blvd. 700 N. Pearl St., #415 3737 S.W. Loop 820
Lisa Autry
AUSTIN BANK TEXAS, N.A. Wichita Falls, TX 76309 Dallas, TX 75201 Fort Worth, TX 76133
214-515-4756 • 214-515-1750 F
2609 Gilmer Rd. Doug Kunkle Mark C. Hare Sharon Beckner
Longview, TX 75604 940-691-0000 • 940-691-9988 F 214-965-4325 • 214-965-4315 F 817-735-995 • 817-529-2991 F
CENTER BANK
2727 LBJ Hwy. Kent Bryson, Sr.
903-247-2265 • 903-247-2268 F FIRST BANK OF CELESTE LIBERTY BANK SOUTHWEST SECURITIES BANK
Dallas, TX 5801 Davis Blvd.
301 N. Hiwy. 69 6050 Southwest Blvd., #100
Jason J. Kim N. Richland Hills, TX 76180
BANCO POPULAR N. A. Celeste, TX 75423 Fort Worth, TX 76109
888-868-8949 • 213-427-6080 F Gary Price
1600 E. Lamar, Ste. 270 Chris Barnard Debra Cheek
Arlington, TX 76011 903-568-4211 • 903-568-4149 F 817-656-0038 • 817-498-6424 F 817-962-4015 • 817-462-4396 F
FIRST FINANCIAL BANK, N.A.
201 East Main Carolyn Jones
FIRST COMMUNITY BANK METROBANK, N.A. STATE BANK OF TEXAS
Eastland, TX 817-704-1856 • 817-274-5883 F
CENTRAL TX, N.A. 275 W. Campbell Rd., Ste. 111 P.O. Box 763009
L. V. Coffee Richardson, TX 75080
BANK OF AMERICA, N.A. 17120 N. Dallas Pkwy., Ste. 101 Dallas, TX 75376
254-629-6139 • 254-629-6104 F Anita Leugn
15303 N. Dallas Pkwy. Dallas, TX 75248 Rajan Patel
Ron Tittle 972-488-5628 • 972-243-0993 F 972-252-6000 • 972-252-6014 F
FIRST INTERNATIONAL BANK Addison, TX 75001
Jorge Aguilar 469-828-4760 • 469-828-4642 F
1912 Ave. K MILLENNIUM STATE BANK OF TX
972-383-1057 • 312-453-5224 F STATE NATIONAL BANK
Plano, TX 11950 Webb Chapel Blvd.
FIRST FINANCIAL BANK, N.A. 4300 Mercantile Plaza, Ste. 300
John Shaver Dallas, TX 75234
BANK OF TEXAS (OKLAHOMA), 201 E. Main Fort Worth, TX 76137
469-429-2408 • 972-424-6328 F Sonia Gomez
N.A. Eastland, TX 76448 Steven M. Wise
L. V. Coffee 972-241-8200 • 972-241-4880 F 817-249-2040 • 817-249-0638 F
JPMORGAN CHASE BANK N.A. 6105 W. Park Blvd.
Plano, TX 75093 254-629-6139 • 254-629-6104 F
700 N. Pearl St., #415 NARA BANK
Lisa Autry STERLING BANK
Dallas, TX 75201 3010 LBJ Frwy., Ste. 130
214-515-4756 • 214-515-1750 F FIRST FINANCIAL BANK, N.A. 1250 W. Mockingbird Ln., Ste. 100
Mark C. Hare Dallas, TX 75234
2201 W. South Loop Dallas, TX 75247
214-965-4325 • 214-965-4315 F J.P. Park
CAPITAL ONE BANK Stephenville, TX 76501 Ken Byrd
469-522-4955 • 469-522-4952 F
1680 Capital One Dr. Robert Lemons 214-678-8102 • 214-678-8130 F
METROBANK, N.A.
McLean, VA 22102 254-918-6250 • 254-918-6294 F NEWTEK SMALL BUSINESS
275 West Campbell Rd., Ste. 111
Susan Streich FINANCE, INC. STERLING BANK
Richardson, TX
804-284-1035 • 804-284-1866 F FIRST INTERNATIONAL BANK 1440 Broadway, 17th Fl. 2225 E. Randol Mill Rd., Ste. 407
Anita Leugn
1912 Ave. K New York, NY 10018 Arlington, TX 76011
972-488-5628 • 972-243-0993 F
CITIBANK, N.A. Plano, TX 75074 Jim Kahler Ken Petree
2720 Belt Line Rd. John Shaver 212-273-8230 • 212-273-8229 F 817-652-7474 • 817-652-7486 F
ONE WORLD BANK
Garland, TX 75044 469-429-2408 • 972-424-6328 F
2449 Walnut Hill Ln.
Ted Meredith NEXBANK, SSB TEXAS BANK
Dallas, TX
214-263-2484 • 972-226-7969 F FIRST NATIONAL BANK OF 13455 Noel Rd., Ste. 2220 400 Fisk
Don Johnson
BAIRD, THE Dallas, TX 75240 Brownwood, TX 76801
972-243-7777 ext. 102
CITIZENS NATIONAL BANK 244 Market St. Sherrel Crane Greg Dodds
972-243-1663 F
6002 Southwest Blvd. Baird, TX 79504 972-934-4700 • 972-934-4785 F 325-649-9200 • 325-649-9298 F
Scott Lindley
TEXAS BANK & TRUST COMPANY
PROSPER BANK Fort Worth, TX 76109
325-674-1885 • 326-675-5020 F ONE WORLD BANK
805 E First St./P.O. Box 10 Doug Sanders
2449 Walnut Hill Ln. 300 E Whaley
Prosper, TX 817-731-1444 • 817-738-7411 F
Dallas, TX 75229 Longview, TX 75606
Larry Miller Don Johnson Christy Hester
469-360-6073 • 469-952-5501 F 972-243-7777 ext. 102 903-237-5500 • 903-237-5544 F
972-243-1663 F
40 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

TOP LENDERS
COMMUNITY PREFERRED & CALIFORNIA BANK & TRUST
EXPRESS CERTIFIED
TEXAS CAPITAL BANK, N.A. COMMUNITY BANK PLP
4230 LBJ Frwy., Ste. 100 (ZIONS) CLP 201 W. Ellison
LENDERS
Dallas, TX 75244 2399 Gateway Oaks Dr., Ste. 110 Burleson, TX
Jeff Kocher Sacramento, CA P Diann Brewer
AMEGY PLP
972-450-5072 • 972-450-5066 F Gary Miller 817-426-7003 • 817-447-8140 F
AUSTIN BANK TEXAS, N.A. 4650 Belt Line Rd.
602-212-8826 • 602-230-1345 F
TOWN & COUNTRY BANK 2609 Gilmer Rd. Addison, TX
COMMUNITY SOUTH BANK PLP
Longview , TX 75604 Karen Thompson
150 N. Harbin Dr. CAPITAL ONE BANK, NA PLP 5068 Plano Pkwy., Ste. 300
Kent Bryson 214-754-6096 • 214-754-9664 F
Stephenville, TX 76401 1680 Capital One Dr. Plano, TX
Chad Gilley 903-247-2265 • 903-247-2268 F McLean, VA Wayne W. Tucker
AMERICAN BANK OF TEXAS PLP
254-968-4125 • 254-968-4413 F Susan Streich 972-447-8359 • 972-447-8359 F
BANCO POPULAR N. A. 6100 Preston Rd.
804-284-1035 • 804-284-1866 F
1600 E. Lamar, Ste. 270 Frisco, TX
UNITED CENTRAL BANK COMPASS BANK (ALABAMA) PLP
Arlington, TX 76011 John Munk
4555 W. Walnut CATHAY BANK PLP 17218 Preston Rd., 2nd Fl.
Carolyn Jones 972-668-7904 • 972-335-1902 F
Garland, TX 75042 4140 Legacy Dr., Ste. 324 Dallas, TX
George Martin 817-704-1856 • 817-274-5883 F Plano, TX Greg Clarkson
AMERICAN NATIONAL BANK OF
972-509-7319 • 972-516-3680 F Easu C. Liu 972-735-3577 • 972-735-3598 F
BANK OF AMERICA, N.A. TEXAS PLP
214-228-2658 • 214-228-2658 F
CORSICANA NATIONAL BANK &
15303 N. Dallas Pkwy. 102 W. Moore Ave.
UNITED COMMUNITY BANK, N.A.
Addison, TX 75001 Terrell, TX
2100 FM 407 CENTER BANK PLP TRUST CLP
Jorge Aguilar Melissa Walker
Highland Village, TX 75077 2727 LBJ Hwy. 321 N. 15th St.
972-383-1057 • 817-390-6288 F 214-863-6605 • 214-863-6133 F
Mary Frosto Dallas, TX Corsicana, TX
972-317-9935 • 972-317-4973 F Jason J. Kim Greg Olsen
FIRST BANK AMERICAN STATE BANK PLP
888-868-8949 • 213-427-6080 F 903-654-4500 • 903-654-4509 F
4110 Kell Blvd. 1300 Santa Fe Dr.
UPS CAPITAL
Wichita Falls, TX 76309 Weatherford, TX
11620 Goodnight Ln., Ste. 100 CIT SMALL BUSINESS LENDING EQUITY BANK PLP
Doug Kunkle Brad Wilkerson
Dallas, TX 75229 PLP 5220 Spring Valley Rd., #160
940-691-0000 • 940-691-9988 F 817-594-7827 • 817-594-7827 F
Jeannie Baldwin 5430 LBJ Frwy., #1200 Dallas, TX
469-552-4835 • 972-243-3385 F Dallas, TX Patty Stacey
INNOVATIVE BANK AUSTIN BANK, TEXAS, N.A. CLP
Pete O'Hern 214-237-3170 • 214-237-3197 F
360 14th St. 2609 Gilmer Rd.
WACHOVIA SBA LENDING, INC. 972-455-9271 • 972-455-9270 F
Oakland, CA 94612 Longview, TX
5080 Spectrum Dr., Ste. 400E FIRST COMMUNITY BANK
Danilo Alfonso Kent Bryson, Sr.
Addison, TX 75001 CITIBANK, N.A. PLP CENTRAL TX, N.A. PLP
510-899-6880 • 510-899-6894 F 903-247-2265 • 903-247-2268 F
Terrenance Washington 2720 Belt Line Rd. 17120 N. Dallas Pkwy., Ste. 101
972-419-3662 • 972-419-3135 F Garland, TX Dallas, TX
JPMORGAN CHASE BANK N.A. BANCO POPULAR, N.A. (TEXAS)
Ted Meredith Ron Tittle
700 N. Pearl St., #415 PLP
WACHOVIA SBA LENDING, INC. 214-263-2484 • 972-226-7969 F 468-828-4760 • 469-828-4642 F
Dallas, TX 75201 1600 E. Lamar, Ste. 270
100 Cresent Ct., Ste. 700
Mark C. Hare Arlington, TX
Dallas, TX 75201 CITIZENS NATIONAL BANK PLP FIRST INTERNATIONAL BANK PLP
214-965-4325 • 214-965-4315 F Carolyn Jones
Maribell Gonzalez 6002 Southwest Blvd. 1912 Ave. K
817-704-1856 • 817-274-5883 F
972-921-0102 • 972-419-3689 F Fort Worth, TX Plano, TX
ONE WORLD BANK Doug Sanders John Shaver
2449 Walnut Hill Ln. BANK OF AMERICA, N.A. PLP
WELLS FARGO BANK, N.A. 817-731-1444 • 817-738-7411 F 469-429-2408 • 972-424-6328 F
Dallas, TX 75229 15303 N. Dallas Pkwy.
1445 Ross Ave., 23rd Fl.
Don Johnson Addison, TX
Dallas, TX 75202 CITIZENS NATIONAL BANK OF FIRST NATIONAL BANK ARIZONA
972-243-7777 ext. 102 Jorge Aguilar
Dwight Hilton TEXAS PLP PLP
972-243-1663 F 972-383-1057 • 817-390-6288 F
214-661-1246 • 866-494-8918 F P.O. Box 717 1515 N. Town E. Blvd., Ste. 138-133
Waxahachie, TX Mesquite, TX
PROSPER BANK BANK OF TEXAS (OKLAHOMA),
WILSHIRE STATE BANK Peggy Loftif Ted Meredith
805 E. First St. N.A. PLP
2237 Royal Ln. 972-351-5117 • 972-938-4364 F 817-304-0264 • 817-304-0264 F
Prosper, TX 75078 6105 W. Park Blvd.
Dallas, TX 75229
Larry Miller Plano, TX
Ian Song CITY BANK PLP FIRST NATIONAL BANK OF BAIRD
469-360-6073 • 469-952-5501 F Lisa Autry
972-919-9900 • 972-919-9988 F 120 E. Main St. PLP
214-515-4756 • 214-515-1750 F
Forney, TX 244 Market St.
WOODFOREST NATIONAL BANK UNITED CENTRAL BANK Jonathan Voight Baird, TX
4555 W. Walnut BANK OF THE WEST PLP
8408 Davis Blvd., Ste. 100 972-564-3921 • 972-564-3367 F Scott Lindley
Garland, TX 75042 915 N. Belt Line Rd.
North Richland Hills, TX 76180 325-674-1885 • 325-675-5020 F
George Martin Irving, TX
Barrett England COMERICA BANK, TEXAS PLP
972-509-7319 • 972-516-3680 F Lee Ely
Scott Davies 1508 W. Mockingbird Ln. FIRST NATIONAL BANK
972-986-2222 • 972-790-4095 F
817-503-4220 or 817-503-4221 Dallas, TX MID-CITIES CLP
817-514-9630 F WASHINGTON MUTUAL Connia Castaldo 4009 Airport Frwy.
1201 3rd Ave. BEACH BUSINESS BANK PLP
214-457-4202 • 214-589-1411 F Bedford, TX
Seattle, WA 98101 1230 Rosecrans Ave., Ste. 100
WORTH NATIONAL BANK Heather Keith
Michael Stedron Manhattan Beach, CA
3908 Telephone Rd. COMMERCE BANK, N.A. PLP 817-553-2500 • 817-553-2510 F
206-500-5150 • 206-554-2653 F Stacey Johnson
Fort Worth, TX 76135 One Royal Rd./P.O. Box 2480
866-862-3878 • 310-802-2975 F
Gary Stone Flemington, NJ FIRST WESTERN, SBLC, INC.
817-234-8615 • 817-237-8811 F WELLS FARGO BANK, N.A. Thomas Ort (PMC) PLP
1445 Ross Ave., 23rd Fl. 908-806-6200 • 908-237-4787 F 17950 Preston Rd., Ste. 600
Dallas, TX 75202 Dallas , TX
Dwight Hilton Angie Beauregard
214-661-1246 • 866-494-8918 F 972-349-3218 • 972-349-3265 F
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 41

TOP LENDERS
FROST NATIONAL BANK NEWTEK SMALL BUSINESS SOUTHWEST BANK PLP UNITED CENTRAL BANK- WORTH NATIONAL BANK PLP
OF AUSTIN PLP FINANCE, INC. 3737 S.W. Loop 820 GARLAND PLP 3908 Telephone Rd.
P.O. Box 1600 1440 Broadway, 17th Fl. Fort Worth, TX 4555 W.Walnut Fort Worth, TX
San Antonio, TX New York, NY 10018 Sharon Beckner Garland, TX Gary Stone
Linda Wileman Jim Kahler 817-735-9953 • 817-529-2991 F George Martin 817-234-8615 • 817-237-8811 F
MICROLENDERS
210-220-4893 • 210-220-4588 F 212-273-8229 • 212-273-8229 F 972-509-7319 • 972-516-3680 F
SOUTHWEST SECURITIES BANK
GE CAPITAL SMALL BUSINESS NEXBANK PLP PLP UNITED COMMUNITY BANK PLP
FINANCE PLP 13455 Noel Rd., Ste. 2220 6050 Southwest Blvd., Ste. 100 2100 FM 407 ACCION - HOME OFFICE SAN
16479 Dallas Pkwy., #300 Dallas, TX Fort Worth, TX Highland Village, TX ANTONIO
Addison, TX Sherrel Crane Debra Cheek Mary Frosto 2014 S. Hackberry
Thomas Garceau 972-934-4700 • 972-934-4785 F 817-962-4015 • 817-462-4396 F 972-317-9935 • 972-317-4973 F San Antonio, TX
972-713-2532 • 972-713-2597 F Verónica Wallace
ONE WORLD BANK PLP STATE BANK OF TEXAS PLP UPS CAPITAL BUSINESS CREDIT 888-215-2373 • 210-533-2940 F
GRAND BANK OF TEXAS PLP 2449 Walnut Hill Ln. 605 W. Airport Frwy. PLP www.acciontexas.org
2341 S. Beltline Rd. Dallas, TX Irving, TX 11620 Goodnight Ln., Ste. 100
Grand Prairie, TX Don Johnson Rajan Patel Dallas, TX ACCION - DALLAS
Don Goldsmith 972-243-7777 ext. 102 972-252-6000 • 972-252-6014 F Mike Signorelli 400 S. Zang Blvd.
Bill Moser 972-243-1663 F Jeannie Baldwin Dallas, TX
972-264-4811 • 972-264-3609 F STATE NATIONAL BANK PLP 214-763-5069 or 972-467-8714 Verónica Wallace
PLAINS CAPITAL BANK PLP 4500 Mercantile Plaza, Ste. 300 972-243-3385 F 866-312-3772 ext. 1302
INDEPENDENT BANK OF TEXAS 18111 Preston Rd., Ste. 110 Fort Worth, TX 214-941-6579 F
Certified
PLP Dallas, TX Steven M. Wise VIEW POINT BANK CLP
4300 N. Beltline Rd. Chris Defransico 817-249-2040 • 817-249-0638 F 1309 W. 15th St.
Development
Irving, TX 972-732-1989 • 972-248-7728 F Plano, TX
Company
Richard Shook STERLING BANK PLP Bob Winders
972-870-9300 • 972-870-9333 F PLAINS CAPITAL BANK PLP 1250 W. Mockingbird Ln., Ste. 100 972-516-3633 • 469-467-1035 F
5010 University Ave. Dallas, TX
INNOVATIVE BANK PLP Lubbock, TX Ken Byrd WACHOVIA SBA LENDING, INC. ARK-TEX REGIONAL
360 14th St. Barry Ballinger 214-678-8102 • 214-678-8130 F PLP DEVELOPMENT COMPANY
Oakland, CA 806-791-7241 • 806-791-6866 F 5080 Spectrum Dr., Ste. 400E 122 Plaza West/P.O. Box 5307
Danilo Alfonso STERLING BANK PLP Addison, TX Texarkana, TX
510-899-6880 • 510-899-6894 F PNC BANK PLP 2225 E. Randol Mill Rd., Ste. 407 Terrenace Washington L.D. Williamson
2435 N. Central Expwy., Ste. 1200 Arlington, TX 972-419-3662 • 972-419-3135 F Richard Powell
JPMORGAN CHASE BANK N.A. Richardson, TX Ken Petree 903-832-8636 • 903-832-2672 F
PLP Steve Chadwick 817-652-7474 • 817-652-7486 F WACHOVIA SBA LENDING, INC.
700 N. Pearl St., #415 214-712-7385 • 214-712-7386 F PLP CAPITAL CERTIFIED
Dallas, TX TEMECULA VALLEY BANK PLP 100 Cresent Ct., Ste. 700 DEVELOPMENT CORPORATION
Mark C. Hare PREMIER BANK PLP 3030 LBJ Frwy., Ste. 1550 Dallas, TX Wild Basin One
214-965-4325 • 214-965-4315 F 1630 Stout St. Dallas, TX Maribell Gonzalez 110 Wild Basin Rd., Ste 270
Denver, CO Don C. Johnson 972-921-0102 • 972-419-3689 F Austin, TX
LIBERTY BANK PLP Ken So 972-277-8268 • 972-247-4208 F Craig Pinkley
5801 Davis Blvd. 303-623-8888 • 303-623-8505 F Keith Goodman WELLS FARGO TEXAS, N.A. PLP 512-327-9229 or 800-504-2232
N. Richland Hills, TX 817-426-5574 • 817-426-5579 F 1445 Ross Ave., 23rd Fl. 512-327-9243 F
Gary Price PROSPER BANK PLP Dallas, TX
817-656-0038 • 817-498-6424 F 805 E. First St./P.O. Box 10 TEXAS BANK PLP Dwight Hilton CEN-TEX CERTIFIED
Prosper, TX 400 Fisk 214-661-1246 • 866-494-8918 F DEVELOPMENT CORP.
MAINSTREET LENDER, LLC PLP Larry Miller Brownwood, TX 2212 S. Congress
2 Wisconsin Cir., 7th Fl. 469-360-6073 • 469-952-5501 F Greg Dodds WILSHIRE STATE BANK PLP Austin, TX
Chevy Chase, MD 325-649-9200 • 325-649-9298 F 2237 Royal Ln. Rosa Rios Valdez
George Harrop REGIONS BANK PLP Dallas, TX 512-326-9006 • 512-912-9869 F
240-235-5090 • 240-235-5094 F 213 N. Fredonia TEXAS CAPITAL BANK PLP Ian Song
Longview, TX 4230 LBJ Frwy., Ste. 100 972-919-9900 • 972-919-9988 F CENTRAL TEXAS CERTIFIED
METROBANK, N.A. PLP Bobby Bustin Dallas, TX DEVELOPMENT CO.
275 West Campbell Rd., Ste. 111 903-237-3595 • 903-237-3590 F Jeff Kocher WOODFOREST NATIONAL BANK 3000 S. 31st St., Ste. 501
Richardson, TX 972-450-5072 • 972-450-5066 F PLP Temple, TX
Anita Leugn SMALL BUSINESS LOAN SOURCE 8408 Davis Blvd., Ste. 100 Van Smith
972-488-5628 • 972-243-0993 F CLP TEXAS FIRST BANK SANTA FE PLP N. Richland Hills, TX 254-899-8546 • 254-899-8333 F
10573 N. MacArthur Blvd., #1161 6516 Broadway, Ste. 100 Scott Davies
MILLENNIUM STATE BANK Irving, TX Pearland, TX Barrett England CERTIFIED DEV. CORP. OF THE
OF TEXAS PLP Dale Donnell Barry Anderson 817-503-4221 or 817-503-4220 SOUTHWEST
11950 Webb Chapel 972-910-9448 • 888-983-5669 F 281-485-7270 • 281-485-5677 F 817-514-9630 F 545 E. John Carpenter Frwy.,
Dallas, TX Ste. 100
Sonia Gomez SOUTHSIDE BANK CLP TEXAS REPUBLIC BANK PLP WOODHAVEN NATIONAL BANK Irving, TX
972-241-8200 • 972-241-4880 F 1201 S. Beckham 2925 Preston Rd., Bldg. 100 PLP Susan Daywood
Tyler, TX Frisco, TX 1700 E. Broad St. 972-639-6911 • 972-767-4400 F
NARA BANK PLP Jim Wood Bob Lowrimore Mansfield, TX
3010 LBJ Frwy., Ste. 130 903-535-4538 • 903-597-0497 F 972-334-0700 • 972-334-0114 F Lance Walker
Dallas, TX 817-473-5979 • 817-473-5978 F
J.P. Park
469-522-4955 • 469-522-4952 F
42 — Small Business Resource DALLAS/FORT WORTH Visit us online: www.sba.gov/tx

TOP LENDERS
COMMUNITY CERTIFIED DALLAS BUSINESS FINANCE FORT WORTH ECONOMIC NORTH TEXAS CERTIFIED
DEVELOPMENT CORP. CORPORATION DEVELOPMENT CORP. DEVELOPMENT CORP.
8590 Hwy. 6 N. 400 S. Zang Blvd., Ste. 1210 1150 South Frwy., Ste. 215 600 N. Centeral Expwy., Ste 600-A
Houston, TX Dallas, TX 75208 Fort Worth, TX Plano, TX
Bill Ebersole Charles McElrath James Stokes Jr. Webb Cox
713-457-1650 • 713-457-0652 F 214-948-7800 • 214-948-8104 F 817-871-6444 • 817-332-6456 F 972-516-0514 • 972-424-7479 F
COUNCIL FINANCE, EAST TEXAS REGIONAL GREATER EAST TEXAS CERTIFIED TEXAS CERTIFIED DEVELOPMENT
INCORPORATED DEVELOPMENT COMPANY DEVELOPMENT CORP. COMPANY
3702 Loop 322 3800 Stone Rd. 100 E. Ferguson, Ste. 906 1701 E. 7th St.
Abilene, TX Kilgore, TX Tyler, TX Austin, TX
Tom Mann David Cleveland John Hart Ernest Perales
325-672-8544 • 325-675-5214 F Luke Kimbrough 903-535-9229 • 903-535-9232 F 512-433-1175 or 800-486-8620
903-984-8641 or 903-984-3989 512-433-1821 F
903-983-1440 F
DALLAS/FORT WORTH
2008 SMALL BUSINESS AWARD WINNERS
SMALL BUSINESS SMALL BUSINESS
PERSON OF THE YEAR EXPORTER OF THE YEAR
A. P. Merritt Jim Anderson
Merritt Tool Company, Inc. ETCetera Internatioal
Kilgore, TX McKinney, TX
FINANCIAL SERVICES SBDC OF THE YEAR
CHAMPION OF THE YEAR McLennan
Judy Loden Community College
Vice President SBDC
Greater East Texas Certified Belinda Pillow,
Development Corp. Director
Tyler, TX
MINORITY SMALL SCORE CHAPTER OF
BUSINESS CHAMPION OF THE YEAR
THE YEAR Dallas Chapter #22
District & Region VI Winner
D. Jorge Urbina
Law Office of D. Jorge
Urbina/ MINORITY SMALL
Sendera Title of Denton, TX BUSINESS
PERSON OF THE YEAR
Oscar M. Oxaca
VETERAN SMALL BUSINESS BASECOM, Inc.
CHAMPION - TEAM Fort Worth, TX
Gary Harlin, Program Director for
Cross Timbers Procurement Center
Fort Worth, TX OUTSTANDING
And SBA LENDER
Timothy C. Woods, Wells Fargo Small
Procurement Counselor Business Lending
Center for Government
Contracting SBDC
Dallas, TX
MOST IMPROVED
CERTIFIED DEVELOPMENT
JEFFREY BUTLAND CORPORATION
FAMILY-OWNED Greater East Texas Certified
BUSINESS OF THE YEAR Development Corporation
Muhammad R. “Gaz” John Hart, President
Gaziani
Hiteq Computer Systems,
Inc.
Dallas, TX
Visit us online: www.sba.gov/tx DALLAS/FORT WORTH Small Business Resource — 43