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  1. 1. 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
  2. 2. 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
  3. 3. 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
  4. 4. 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
  5. 5. 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
  6. 6. 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
  7. 7. • 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
  8. 8. 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
  9. 9. 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
  10. 10. 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
  11. 11. 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
  12. 12. 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
  13. 13. 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