CCD Business Development Corporation (CCD) has been providing commercial financing to business owners since 1981 when we became the first Oregon designated "Certified Development Company" by the US Small Business Administration.

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An SBA 504 loan is a partnership
between a Certified Development
Company (CDC), the Small Busi-
ness Administration and a lender.
CDCs are economic development
organizations that have been
certified by the SBA to make
loans under the Certified Devel-
opment Company Economic
Development Loan Program
through an SBA 504 loan.
Working with a lender, the CDC
provides up to 40% of the financ-
ing for commercial real estate
purchase and new construction
with an SBA 504 loan. A lender
must partner with the CDC and
typically provides 50% of the
financing, while the entrepreneur
ends up paying as little as 10%
down.
The CDC works closely with the
small business borrower to pro-
cess, approve, close and service
the SBA 504 loan. Funding is
provided by the CDC issuing a 10
or 20 year debenture bond that is
sold to investors on Wall Street
giving entrepreneurs access to
capital at low, fixed interest rates.
January 2016 Rate 4.83%
Effective rate includes principal &
interest, program fees, and loan
loss subsidy.
CCD Business Development
Corporation would like you to
choose us as your Certified
Development Company!
Certified Development Companies:
Growing Small Businesses,
Jobs, Communities
Quarterly Newsletter, Issue 12, March 2016
“Together We’re Building The Future Through Responsible
Economic Development”
What sets CCD Business Development Corporation
apart from other CDC’s?
 CCD was the first “Certified Development Company” designated in
Oregon by SBA in 1981. We are dedicated to helping small business
owners get the financing they need to start or expand their business.
 CCD’s 24-member Board of Directors, comprised of volunteers who care
about the economic development role played by small business owners.
Our Board includes representatives from banks, small businesses,
government and community groups.
 Our lending staff are experts in government loan programs, providing
excellent advice and counsel to the small business owners, brokers, and
commercial lenders.
 CCD’s loan officers have 50 plus years experience. (combined)
 CCD has loan officers located in Portland, Eugene, Albany and North
Bend or they will come to you.
 CCD is the liaison with the SBA, helping lenders and borrowers through
the paperwork and approval/closing process.
 CCD remains the borrowers’ partner through the life of the loan. We do
not step away after the loan has funded.
 CCD’s staff members are professionals who are competent, efficient,
ethical, responsive and are committed to you and your client.
 CCD has helped 193 businesses in Oregon access over $100 million in
loan funds. These loans have leveraged funds over $290 million and
created or retained over 3,000 jobs.
 CCD wants your business!
Did You Know?
Creating a business plan is one of the most important steps you can take to help your small business
grow and succeed. Business plans generally project a few years ahead and outline the route a compa-
ny intends to take to reach its yearly milestones, including revenue projections.
Creating a business plan may seem too time consuming. Using the www.sba.gov/business-plan tool
will allow you to work through a step by step process at your own pace in savable increments that are
convenient for you.
Not only can you save your plan as a PDF file, you can also update it at any time, making this a living
document to which you can refer and share with a mentor or lender.

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Quarterly Newsletter, Issue 12, March 2016
CCD’s Board of Directors & Staff would like to WELCOME
Lane Council of Governments (LCOG) and Oregon Cascades West Council
of Governments (OCWCOG) to our SBA 504 Marketing, Packaging &
Servicing Team.
The SBA 504 Loan Program provides long-term, fixed-rate financing to assist
small businesses to expand by acquiring land, buildings, machinery and equipment.
The loans are administered by Certified Development Companies, such as CCD, in
conjunction with commercial lending institutions.
LCOG and OCWCOG, thru an agreement with CCD Business Development Corporation,
are the liaison with the SBA, helping lenders and borrowers through the paperwork
and approval process. We structure the project, prepare loan documentation and
monitor the whole project through closing. We also service all aspects of the SBA 504
loan for the entire term of the loan. We have earned the reputation for being ethical,
efficient, and committed to customer service.
We all are dedicated to helping small business owners get the financing they need
to start or expand their business.
Our loan officers are experts in government loan programs, providing excellent
advice and counsel to the small business owners, brokers, and commercial lenders.
Our coverage area for the SBA 504 Loan Program is Oregon. LCOG office is located
in Eugene, Oregon and OCWCOG office is located in Albany, Oregon. For more
information on this program, please contact one of the following LCOG/OCWCOG
Loan Officers.
LCOG—Eugene Office LCOG—Eugene Office OCWCOG—Albany Office
Steve Dignam, Program Manager Dan Betschart, Senior Loan Officer Sandra Easdale, Loan Officer
859 Willamette St., Suite 500 859 Willamette St., Suite 500 1400 SE Queen Ave, Suite 205
Eugene, OR 97401 Eugene, OR 97401 Albany, OR 97322
(541) 682-7450 (541) 682-3359 (541) 924-8460
sdignam@lcog.org dbetschart@lcog.org seasdale@ocwcog.org
www.lcog.org www.lcog.org www.ocwcog.org
FEATURED SBA 504 LOAN PROJECT
Evenhazer Hospitality LLC
dba Best Western Grand Manor Inn and Suites
925 NW Garfield Ave.
Corvallis, OR 97330
(541) 758-8571
This cozy and picturesque hotel offers large rooms and is near many area attractions such as
Willamette wineries, Oregon State University, Hewlett Packard and CH2M Hill.
Located directly across from the area’s newest shopping center, guests can easily indulge in retail
therapy during their stay. If you’re looking for surf and sand during your stay, then head to
Newport Beach, which is only an hour away.

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Quarterly Newsletter, Issue 12, March 2016
Does Your Business Have a Marketing Plan?
Marketing is crucial for small business owners. But all too often, we approach marketing in a haphazard fashion.
It’s great to keep your marketing fresh and up-to-date by marketing your business in new avenues. But if you don’t take the time
to assess each part of your marketing mix and how it fits into the larger scheme of things, you could be wasting time, money and
not getting the results you desire.
Creating a marketing plan for your business can help ensure that you’re maximizing each marketing dollar you spend and that
your marketing message is truly getting across to your target customers. So how do you get started?
Think of your marketing plan like a “business plan” for your marketing. In fact, if you are a startup, a marketing plan should be
part of your overall business plan.
Here are the essential elements your marketing plan should cover.
The marketing message you want to convey. What image of your business are you trying to get across in your marketing
efforts? In other words, what’s your business “brand”? Think about your product or service’s features and benefits. What makes
your company unique compared to the rest? Craft a marketing message that sums up that point of differentiation in one sentence.
Then, keep that message in mind when developing all of your marketing materials and strategies.
Your target customers. Consider your target market. Information you need to know includes how big the target market is, its
demographics and its buying habits. How much money do your target customers spend on products or services like yours?
Finally, include the media your target customers use. Knowing which magazines, newspapers, websites, social media sites and
other media outlets your target market uses will help you determine where to most effectively market your business.
Specific marketing methods. Once you know where your target customers are and have an idea how to reach them, your
marketing plan should specify which marketing methods you will use. For example, you might want to use any or all of the
below:
 Your website
 Online advertising
 Email newsletters
 Social media such as Twitter or LinkedIn
 Public relations
 Direct mail such as postcards or letters
 Advertising (print, radio, cable, out-of-home)
 Marketing materials (business cards, flyers or brochures)
When, where and how much. Break your methods down further to detail where you will use each marketing method, how
frequently you will use it, and how much that will cost.
Goals for your marketing. It’s critical to measure the results of your marketing methods so you know what’s working and what
isn’t. However, in order to measure results, you need to know what results you want. For instance, if you’re placing a Facebook
ad, your goal might be to get 100 new “likes” in one month.
Create goals that you think are reasonable based on past experience, information about your industry and norms for the specific
marketing tool you’re using. Track your results and make changes to your marketing plan accordingly.
A marketing plan is traditionally created for a 12-month period so you can forecast your marketing costs for the year and plan in
advance how you will market during peak seasons, such as the holidays. Be sure to review your plan quarterly to make changes as
needed and ascertain if you’re heading in the right direction.
Source: Rieva Lesonsky is CEO and President of GrowBiz Media, a media company that helps entrepreneurs start and grow their
businesses.

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Quarterly Newsletter, Issue 12, March 2016
Advantage of an SBA 504 Loan Over a Conventional Loan:
PROJECT COSTS:
Building Purchase $1,000,000
Renovations 170,000
Furniture/Equipment 20,000
Appraisal/Environmental Reports 5,000
Closing Costs 5,000
Total: $1,200,000
CONVENTIONAL BANK FINANCING
Bank Loan Amount $936,000
(80% of purchase price & renovations)
Borrower Down Payment 264,000
$1,200,000
SBA 504 FINANCING:
Bank Loan Amount $600,000
504 Loan Amount 480,000
*Borrower Down Payment 120,000
$1,200,000
Initial Cash Savings $144,000 with an SBA 504 Loan Structure
*Assumes a business with a 2-year operating history & purchasing a non-special use property.
IS YOUR BUSINESS ELIGIBLE FOR A SBA 504 LOAN?
The SBA 504 loan program puts financing within reach for a small business with a loan that offers a low down payment,
long-term, and a low fixed interest rate.
CCD Business Development Corporation (CCD) has been providing commercial financing to business owners since
1981, when we became the first Oregon designated “Certified Development Company” by the US Small Business
Administration.
Answer these questions to find out if your business is eligible:
 Are you a for-profit business?
 Your tangible Net Worth less than $15 million? (including affiliates)
 Your average net profit after taxes is less than $5 million for the preceding two tax years?
 Will this loan be used to finance the acquisition, construction or renovation of real estate or the purchase of
equipment?
 If the loan is used to purchase a building, will your business occupy at least 51% of the space?
 If the loan will be used for ground-up construction, will your business occupy at least 60% of the building now and
80% long-term?
 All owners of 20% or more of the business or real estate holding company, if one is formed, must be willing to
guarantee the loan.
If you answered yes to all of these questions, you are likely eligible for a SBA 504 loan.
Quote:
“The only place where success comes before work is in the dictionary.”
— Vidal Sassoon

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Quarterly Newsletter, Issue 12, March 2016
RECENT LOAN FUNDINGS:
Lavender Development LLC (Borrower) / American College of Healthcare Sciences, Inc. (OC) - Multnomah County
J & J Industries LLC (Borrower) / Hestia LLC (Operating Co.) - Clackamas County
RECENT LOAN PAYOFFS:
Alisha, LLC dba Super 8 (Borrower) - Jackson County
The Jupiter-City Motel, LLC (Borrower) - Multnomah County
RECENT LOAN REFERRALS:
CCD received referrals from the following: Business Oregon, Oregon Pacific Banking Co., Umpqua Bank, Banner
Bank and the Small Business Development Center.
Thank you for referring your clients to CCD.
We look forward to building and retaining our partnership!
THANK YOU for serving on the CCD Business Development Corporation Board of
Directors:
 Larry Ball (First American Title Company, Curry County);
 David Koch (Oregon International Port of Coos Bay, Coos County);
WELCOME to the CCD Business Development Corporation Board of Directors:
 Jessica Engelke (Southwestern Oregon Community College, Coos County);
Board of Director Spotlight—Carl Patenode
Organization: The City of Drain
The City of Drain provides a funding opportunity for local businesses through
the Drain Revolving Loan Program and/or combined with other financial options
with CCD.
Appointed to CCD Board: 1996 (20 years of service)
Committees Served: Executive Committee from 2009—current (7 years),
Loan Committee from 2007—current (9 years), Budget Committee 2003—2014
(12 years), Marketing Committee 2012—2014 (3 years).
Contact Information The City of Drain is located in northern Douglas County at the confluence
Carl Patenode of Pass and Elk Creeks. A mere 50 miles east of the Oregon coast, Drain is
City Administrator known as the “Gateway to the Pacific Ocean.” It’s a small quiet community, far
129 West C. Avenue enough away from the hustle and bustle of the city, yet close enough to take
Drain, OR 97435 advantage of the conveniences. Drain is located just 6 miles west of Interstate 5,
(541) 836-2417 making the 39 mile commute north to the city of Eugene, or the 34 mile
City.admin@cityofdrain.org commute south to the city of Roseburg very accessible.
www.cityofdrain.org
CCD’s Revolving Loan Programs have been in existence since 1971, funding 216
loans, for a total of $20,093 million in loans to regional businesses. A majority of
these loans have been participated with local banks. Better yet, 2000 jobs have been
created over this period and another 417 jobs retained thanks to these loan programs.
CCD has been packaging, closing and servicing the SBA 504 Loan Program since
1981. To date 202 loans, $112,650 million in loans to small businesses, creating 2,121
jobs and 1,734 jobs retained.

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Quarterly Newsletter, Issue 12, March 2016
Featured CCD RLF Project:
Bandon Rental & Equipment Repair, Inc.
87574 Oberman Ln.
Bandon, OR 97411
541-347-1825
www.bandonrents.com
If you need equipment large or small, give them a call. They provide a wide variety of rental equipment to contractors
and homeowners. They serve all of Coos & Curry Counties.
They know how important your equipment is to you so they provide fast, friendly, professional service to get you back on
the job as soon as possible.
The project was a partnership between Umpqua Bank and CCD.
7 Ways to Improve Your Website Homepage
Your website is your virtual place of business. Just like your regular place of business,
you want it to be neat, clean, attractive, inviting and professional looking.
Here are 7 low cost ways to improve a homepage to meet today’s standards.
1. Freshen the Content Regularly—Schedule a monthly reminder to check your website and update the content on the
homepage.
2. Make Sure it Has a Call to Action—Ask yourself: what’s the top action you want visitors to your website to take?
Here are three examples of common calls to action:
 Sign up for your email list—When people sign up for your email list, you create an ongoing connection allowing
you to market to them. Most email marketing software (e.g., MailChimp which is free for small lists, or Constant
Contact) offer an easy way to insert a signup box.
 Shop in your e-Commerce store—If you sell products online, either embed pictures of a few products on your
homepage to entice buyers to click through, or add a prominent “Shop Now” button.
 Fill out a lead form—If you sell services instead of products, encourage visitors to fill out what’s called a lead
form. It captures contact information so you can follow up.
3. Add Contact Information Prominently—Examine your homepage objectively. Are you making visitors hunt or
guess to figure out how to reach you?
4. Add Images and/or Video—Look at your home page. Is it text heavy? Images break up big blocks of text. Include at
least one photograph showing your business, team or products. Videos are also excellent. So create a how-to video or
one demonstrating your product, or of you welcoming visitors. Load it on YouTube or another video platform. Then
embed the code to put it on your site.
5. Update Your Design to Current Standards—An outdated web design gives the impression your business in not up to
date. It’s best to update the whole website. But if time and money are in short supply, at least redesign the homepage to
create a great first impression. Contact your Web developer and ask for a homepage facelift. Or if you are a do-it-
yourselfer, purchase a low-cost template, you can buy a professionally designed template for under $100 from places
like ThemeForest or TemplateMonster.
6. Improve Page Speed—If your home page loads slowly, visitors may never go beyond it.
7. Make it Mobile Responsive—Today’s websites need to be viewable on mobile devices. If you give your site a facelift,
make sure the new design is “responsive,” meaning it is responsive enough to adjust to mobile devices. The same goes
if you purchase a template.
Source: US Small Business Administration—Guest Blogger, Anita Campbell
Hours:
Monday-Friday 8am-5pm
Saturday 9am-1pm

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Quarterly Newsletter, Issue 12, March 2016
CCD Assists City of Drain
The City of Drain, Oregon is located at the crossroads of Oregon Route 99 and Oregon Route
38, at the confluence of Pass and Elk Creeks. Drain has a population of just over 1100 people,
was named after town founder and politician Charles J. Drain, and incorporated in 1887.
Over the past several years, CCD has assisted the City of Drain with several projects that have
led up to their newest and most recently awarded project—Wastewater System Improvements
& Construction. CCD has worked closely with City Administrator, Carl Patenode, on their facili-
ties plan, sewer collections system improvements, and Drain’s wastewater treatment plant final
design, which was just completed. CCD has been the City’s grant administrator, and is still
working on the last of the environmental review record items for HUD/CDGB funds.
The wastewater system improvements & construction project was just recently awarded, and the City is beginning that project.
CCD, also looks forward to working on this project!
Over the years, CCD has helped several communities with their grant and loan administration involving several different funding
agencies. CCD has experience and training in Labor Standards (DB/BOLI wages), Environmental Review Records, and helping
with some of the loan and/or grant applications.
For more information on these services, contact Tracy Loomis at 541-672-6728, Ext. 302 or t.loomis@ccdbusiness.com.
Steps to Changing Your Business Structure
There are many reasons to consider a business structure change. With a different business structure, would your business be more
successful? If you are considering a change to your business structure, be sure to understand all of your options and weigh the pros
and cons of a switch.
1. Assess Your Options—Your business structure determines the amount of regulatory paperwork you have to file, your
personal liability for business decisions and how you are taxed on your business income.
2. Things to Consider—Businesses typically change their legal structure because of a change in business need.
If you are considering a switch, first reassess the pros and cons of your current business structure and weigh
the importance of the following five characteristics to your business:
Liability
Taxation
Fees and Forms
Investment Needs
Operational Continuity
3. What to Expect: Changes in Business Operations—From Sole Proprietorship or Partnership to LLC or Corporation.
If you (and your partner) make the decision to change your business structure, your business will change from unlimited
personal liability to limited. Expect to file more paperwork, including your articles of incorporation and bylaws. Fees
and expenses will also increase.
Changing from a LLC or corporation to sole proprietorship or partnership is more difficult. If you own a corporation, you
must first convince shareholders to get on board with the plan and liquidate your business assets. As an LLC, you only will
see changes in your tax obligations if you file as a corporation. You will need to adhere to specific state policies like
licensing requirements and inform the IRS to the change, as your filing requirements will change.
4. Next Steps
File a DBA with your government agency.
Register with the IRS. You will most likely need to apply for a new Employer Identification Number (EIN).
Register with Local and State Agencies.
Reapply for Licenses. Some states require you to reapply for licenses when your business structure changes.
Notify your bank and insurance company of the change. Your bank may require you to transfer assets.
Source: US Small Business Administration

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Roseburg Office:
522 SE Washington Ave., Ste. 111A
Roseburg, OR 97470
(541) 672-6728
www.ccdbusiness.org
North Bend Office:
2455 Maple Leaf
PO Box 444
North Bend, OR 97459
(541) 756-4101
www.ccdbusiness.org
CCD is a private / non-profit corporation formed in 1971.
CCD was designed by the 3 counties (Coos, Curry & Douglas) not as a re-
placement for the individual county development efforts but as a focal point for
economic development throughout the 3 county areas. CCD is recognized as
an Economic Development District.
In 1981, CCD expanded its financial services. The US Small Business Admin-
istration designated CCD as a “Certified Development Company”, which ena-
bled CCD to begin helping businesses with SBA financing programs.
Equal Credit Opportunity Lender
CCD Business Development Corporation
To Get Started Contact: CCD’s Lending Team
Theresa Haga Louie Robida
Business Finance Manager Loan Officer / Marketing
541-756-4101 503-789-8191
t.haga@ccdbusiness.com ccdbusiness@hevanet.com
Ruthie Painter
Loan Referral / Marketing
541-840-4201
r.painter@ccdbusiness.com
WE WANT YOUR BUSINESS!
Certified Development Companies:
Growing Small Businesses, Jobs, Communities
Our Lending Staff:
Our lending staff are experts in government loan programs, providing excellent advice and counsel to the small business
owners and private commercial lenders.
What is a Certified Development Company?
A CDC is a nonprofit organization certified by the SBA to provide 504 loans to small businesses. Nationwide, there are about 270 of these
organizations. Some make only 504 loans; others offer a range of programs to help small businesses. A CDC receives certification to
operate statewide and, with approval from SBA, could be given certification to serve multiple, contiguous states. A CDC operates under
the leadership of a board of directors, who are drawn from the service area.
Visit Our Website: www.ccdbusiness.org
CCD Business Development Corporation (CCD) is dedicated to helping small business owners get the financing
they need to start or expand their business.
Our CDC has a 24-member Board of Directors, comprised of volunteers who care about the economic develop-
ment role played by small business owners. Our Board includes representatives from banks, small businesses,
government and community groups.
Federal Notice: To help the government fight the funding of terrorism and money laundering activities. Federal Law requires all Certi-
fied Development Companies to obtain, verify and record information that identifies each person who applies for a loan.
LCOG Contacts:
Eugene Office
Steve Dignam
Program Manager
(541) 682-7450
sdignam@lcog.org
Dan Betschart
Senior Loan Officer
(541) 682-3359
dbetschart@lcog.org
OCWCOG Contact:
Sandra Easdale
Loan Officer
(541) 924-8460
seasdale@ocwcog.org