This document summarizes resources available from the Small Business Administration (SBA) for Asian women business owners. It outlines various types of financing, education/training programs, government contracting assistance, and disaster relief available from the SBA. It also provides contact information for SBA regional offices and programs that provide consulting, training, and certification to help small businesses obtain government contracts.
Small Business Administration (SBA) Financing OptionsGuy-Daniel Boni
SBA financing is designed to provide small businesses with access to credit structures and terms that may be more flexible than conventional lending options. Blitt Capital is here to help Entrepreneurs match their financing needs with the appropriate SBA lending program.
A general overview of the newly expanded guidelines for SBA financing that the current administration now offers. Learn how to qualify your business for SBA government guaranteed financing.
7 small business lenders report to credit bureaus in 2019Merchant Advisors
Wondering where your credit score comes from? Here is a list of seven business lenders that report your borrowing habits to business credit bureaus in 2019. For more information, visit at https://www.onlinecheck.com/blog/business-loans/report-to-credit-bureaus/
Small Business Administration (SBA) Financing OptionsGuy-Daniel Boni
SBA financing is designed to provide small businesses with access to credit structures and terms that may be more flexible than conventional lending options. Blitt Capital is here to help Entrepreneurs match their financing needs with the appropriate SBA lending program.
A general overview of the newly expanded guidelines for SBA financing that the current administration now offers. Learn how to qualify your business for SBA government guaranteed financing.
7 small business lenders report to credit bureaus in 2019Merchant Advisors
Wondering where your credit score comes from? Here is a list of seven business lenders that report your borrowing habits to business credit bureaus in 2019. For more information, visit at https://www.onlinecheck.com/blog/business-loans/report-to-credit-bureaus/
Latinos Finance USA, is the leader in providing financial solutions to Latino business owners nationwide and it has the financial solutions that your business needs.
Our commitment is simple; to work with Latino business owners nationwide by providing the financial support that will help their business grow.
Trabajando juntos for a better future is not only our slogan but our mission.
Disclaimer: Information is current as of Sept. 7, 2017.
Presented by:
Ken Surmeier
Business Opportunity Specialist
HubZone Program Liaison
Information Technology/Web Developer
US Small Business Administration
Kansas City District Office
1000 Walnut Street, Suite 500
Kansas City, MO 64106
Kenneth.surmeier@sba.gov
816.426.4919
There are different sources for financing representing various opportunities. This seminar will tell you about some of these opportunities and the best method for increasing your chance of securing a loan. The program will also bring clarity to what financing opportunities the Federal Government offers through the Small Business Administration. Co-Sponsored with the High Point and Greensboro Public Libraries. Facilitated by Chisa D. Pennix-Brown, MBA of Lady Bizness, Inc.
Latinos Finance USA, is the leader in providing financial solutions to Latino business owners nationwide and it has the financial solutions that your business needs.
Our commitment is simple; to work with Latino business owners nationwide by providing the financial support that will help their business grow.
Trabajando juntos for a better future is not only our slogan but our mission.
Disclaimer: Information is current as of Sept. 7, 2017.
Presented by:
Ken Surmeier
Business Opportunity Specialist
HubZone Program Liaison
Information Technology/Web Developer
US Small Business Administration
Kansas City District Office
1000 Walnut Street, Suite 500
Kansas City, MO 64106
Kenneth.surmeier@sba.gov
816.426.4919
There are different sources for financing representing various opportunities. This seminar will tell you about some of these opportunities and the best method for increasing your chance of securing a loan. The program will also bring clarity to what financing opportunities the Federal Government offers through the Small Business Administration. Co-Sponsored with the High Point and Greensboro Public Libraries. Facilitated by Chisa D. Pennix-Brown, MBA of Lady Bizness, Inc.
This presentation gives a brief overview of the Economic Injury Disaster Loans available through the SBA for businesses affected by the COVID-19 public health response.
Bank Business Loans vs Business Cash AdvanceMike Wallace
The following presentation is a very concise comparison between traditional business loans and a business or merchant cash advance. Small business owners can analyze the pros and cons of both financial products when trying to determine which one is right for their business.
For more information about traditional financing small business owners can check with any local or regional bank and for information on a business cash advance you can visit https://shieldfunding.com/business-loans/business-financing-options/business-cash-advance/
Rainstar Capital Group’s lender is one of the nation’s leading online, technology-powered lenders to small business.
We are a direct lender, funding business loans with our own capital. We are backed by Garrison Investment Group, a leading NYC-based private equity firm.
SBA & City of Evanston Economic Injury Webinar - 4/1/2020cityofevanston
Stephen Konkle from the Small Business Administration (SBA) presents options for City of Evanston businesses in the wake of the COVID-19 disaster. Includes information on the Economic Injury Disaster Loans (EIDL).
Best Crypto Marketing Ideas to Lead Your Project to SuccessIntelisync
In this comprehensive slideshow presentation, we delve into the intricacies of crypto marketing, offering invaluable insights and strategies to propel your project to success in the dynamic cryptocurrency landscape. From understanding market trends to building a robust brand identity, engaging with influencers, and analyzing performance metrics, we cover all aspects essential for effective marketing in the crypto space.
Also Intelisync, our cutting-edge service designed to streamline and optimize your marketing efforts, leveraging data-driven insights and innovative strategies to drive growth and visibility for your project.
With a data-driven approach, transparent communication, and a commitment to excellence, InteliSync is your trusted partner for driving meaningful impact in the fast-paced world of Web3. Contact us today to learn more and embark on a journey to crypto marketing mastery!
Ready to elevate your Web3 project to new heights? Contact InteliSync now and unleash the full potential of your crypto venture!
What You're Going to Learn
- How These 4 Leaks Force You To Work Longer And Harder in order to grow your income… improve just one of these and the impact could be life changing.
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U.S. Small Business Administration Programs
1. Asian Women In Business
Presented by :Man-Li Kuo Lin
Economic Development Specialist
Man-li.lin@sba.gov
212-264-7060
2. Financing
Business Education/Training
Government Contracting Assistance
Disaster Assistance
Advocacy
www.sbaguides.com
3. FREE Consulting and Low Cost Training
◦ Counselors to America’s Small Business (SCORE)
◦ Small Business Development Centers (SBDC)
◦ Women’s Business Centers (WBC)
◦ Veterans Business Outreach Centers
◦ U.S. Export Assistance Centers
◦ Procurement Technical Assistance Centers
Online Small Business Training
◦ http://www.sba.gov/tools/sba-learning-center
4. Start-up Businesses
◦ Business Plan
◦ Financial Projections
◦ Financing Assistance
Existing Businesses
◦ Managing and Growing a New Business
◦ Developing New Markets
◦ Financing Assistance
◦ Accounting Issues
◦ Human Resources
◦ Product Development
◦ Patent Search
◦ International Trade
◦ And Much More
5.
6. Disaster Loans for Federal Declared Disaster Areas
◦ Businesses
◦ Homeowners
◦ Renters
◦ Non-Profit organizations
Loan Amount Limits
Home Loans - Max $200K
Personal Property Loans - Max $40K
Business Loans- Max $2 Million
Economic Injury Disaster Loans - Max $2 Million
◦ SBA’s Disaster Assistance Customer Service Center
◦ (800) 659-2955, disastercustomerservice@sba.gov
7. Advocacy is an independent voice for small business within
the federal government and is the watchdog for the
Regulatory Flexibility Act (RFA).
Advocacy advances the views and concerns of small business
before Congress, the White House, the federal agencies, the
federal courts and state policy makers.
Giving small employers a voice early in the process is key to
reducing the negative impact of regulations on small
businesses, increasing the level of regulatory compliance, and
passing on cost savings to state economies. Regional
Advocates help identify regulatory concerns of small business
by monitoring the impact of federal and state policies at the
grassroots level.
Region II: Teri Coaxum @ 212-264-7752
8. The world’s largest buyer
More than $500 billion every year
Government-wide small business contracting
goal:
◦ 23% for small business in general
◦ 5% for Small Disadvantage businesses
◦ 3% for HubZone businesses
◦ 3% for Service Disabled Veterans
◦ 5% for Women Owned Small Businesses
9. System for Award Management (SAM)
Self Certifications
◦ Small Business
◦ Veteran Owned
◦ Service Disabled Veteran Owned
◦ Women Owned Business
◦ Small Disadvantaged Business
SBA Certifications
◦ 8(a) – 9 Year Development Program
◦ HubZone
www.acquisition.gov
10. 8(a) Certification-9 Year Development Program
◦ At least 2 years in business
◦ Socially and Economically Disadvantage
HubZone
◦ Located in distressed census tract areas
◦ Visit www.sba.gov/hubzone for information
www.sam.gov
11. Do you know the Financing Options Available from the
SBA?
Small Business Loans
Loans for Land &
Buildings
Venture Capital
Investing
Export Assistance
Disaster Assistance
12. GREATER APPROVAL POTENTIAL
Allows lenders to approve loans to customers
that do not fall within conventional
guidelines, such as:
New Businesses
Certain Industries Types
Lower Debt Service Coverage
Longer Terms
13. Only Term Loans & Lines of Credit
Insufficient cash flow – offer longer term or
accept lower Debt Service Coverage
Lower personal credit scores or limited credit
history
Low or deficit net worth, personal or business
Highly leveraged
Collateral shortfall
Declined for policy exception
Growing business – new location or new
product; use of projections
New businesses or short time as owner
14. Acquisition of an existing business
Longer maturity on term loans
Lower equity injection
Easier to qualify than conventional loans
Streamlined application process
Proceeds can be used for a variety of needs
SBA guarantee fees can be financed into the loan
Bank uses its own process and documentation
15. Three categories:
“7(a) Small Loans” which consists of any loan of
$350,000 or less (except Express & Export Express).
Loans over $350,000 processed using Standard, CLP,
or PLP procedures (and for 7(a) Small Loans that do
not receive an acceptable credit score).
Loans that are processed using SBA Express or
Export Express
16. Maximum Loan Size: $350,000
Guarantee:
◦ 85% for loans up to $150,000
◦ 75% for loans > $150,000
SBA credit score
17. Lenders credit memorandum and analysis
must demonstrate the Small Business
Applicant’s ability to repay the loan from the
cash flow of the business
18. REPAYMENT ABILITY
CASH FLOW ANALYSIS
HISTORICAL CASH FLOW
THREE YEARS TAX RETURNS
FIXED OBLIGATIONS, INCLUDING PROPOSED
LOAN
19. BALANCE SHEET
USED TO DETERMINE THE FINANCIAL
STRENGTH OF THE BUSINESS
RATIO ANALYSIS
20. Existing Debt not reasonable terms
AND/OR
10% Cash Flow Savings must be
demonstrated on each loan being refinanced,
not the aggregate amounts
21. Grants NOT available from SBA
SBA offers loan guarantees to lenders
◦ Partial refund for failed loan
◦ Lender obtains guarantee
Lenders handle all loan transactions
- Application
- Approval
- Disbursement
- Servicing
-Collection
22. Not everyone needs an SBA Guarantee
SBA Guaranteed Loan Program provides an
alternative
If risk is too high – lender comes to SBA
-SBA Guarantee reduces lender risk
-Start-ups
-Insufficient collateral
-Non-standard repayment terms
23. Non-Profit Organizations
Religious Organizations
Charitable Organizations
Owners who defaulted on federal loan or federally assisted
financing
Lending Activities
Newspapers
Gambling or Speculation
Real Estate Investment
Pyramid Sales
Illegal Activities
Academic Schools
Prurient Sexual Material
24. 5 Cs of Credit
◦ Character
Background, Education, Experience, Credit
◦ Capacity
Source of Repayment
◦ Collateral
Assets you own
◦ Capital
Money you have invested
◦ Conditions
Your Industry
25. Eligibility
◦ General Requirements
Federal Small Business
Federal standard – NAICS (North American Industry
Classification System)
Independently owned and operated
Franchises-www.franchiseregistry.com
◦ Maximum Size Restrictions Examples
Wholesaling-< 100 Employees
Retail/Service- Avg Sales $4.5M to $32.5M
Manufacturing- < 500 Employees
Construction- $14M to $33.5M
26. Use of Proceeds
◦ Working capital
◦ Inventory
◦ Lines of credit
◦ Expansion/renovation
◦ Leasehold improvements
◦ Land or buildings
◦ Future/Fixtures/equipment
◦ Refinance debt for compelling reasons
27. 7 (a) Loan Program
Details
•SBA’s Primary Business
Loan Program
•Broad eligibility
requirements
•Wide range financing
options
•Maximum loan amount
increased from $2 million
to $5 million
•85% guarantee on loans
up to $150,000
•75% on loans > $150,000
7(a) Loan Program
Maturities & Interest
Rates
•5-10 years for working
capital, machinery,
equipment
•Up to 25 years for real
estate, construction
•Prime + 2.25% for loans of
7 years or less
•Prime + 2.75% for loans
over 7 years
•Rates can be higher for
smaller loans
7(a) Program
Guarantee Fees
•NO FEE on loans of
$150,000 or less approved
in FY 2014
•Fee charged on guarantied
portion of loan only.
•Maturity:
•1 year or less 0.25%
guaranty fee;
•Over 1 year:
•3% on loans $150,001 to
$700,000
•3.5% on loans $700,001 to
$ 1 million
•3.75% on loans > $1
million
•Ongoing fee of 0.
28. Selected lenders
Lender paperwork only
◦ No SBA forms
◦ SBA loan approval within 48 hours
Loan Amount and Guarantee
◦ Loans up to $350,000
◦ 50% Guaranty
Loans < $25,000
◦ No SBA collateral required
◦ Bank collateral may be required
29. Eligibility
◦ Same as 7(a)
Use of Proceeds
◦ Same as 7(a) Loans
◦ Lines of Credit: 7 year term max
Maximum Variable Interest Rates
◦ < $50K = Prime+6.5%
◦ > $50K = Prime+4.5%
30. Eligibility
◦ Same as 7(a) and Additional Requirements
Veteran
Service-Disabled Veteran
Active-Duty military in TAP
Reservist or National Guard member
Current spouses of any of the above
Widowed spouse of a service member or veteran
who died during service
31. Maximum Loan Amount: $350,000
Use of Proceeds
Same as SBA Express
Maturity
Same as SBA Express
NO guaranty fee from 1/1/2014 to 9/30/2014
32. Long –Term financing program
◦ Land
◦ Building
◦ Capital Equipment
◦ Lease-hold improvements
Access through Certified Development
Company (CDC)
◦ Business Initiative Corporation of NY
www.boedc.com
◦ Empire State Certified Development Corp.
www.nybdc.com
33. Typical Structure
◦ 50% - Lender
◦ 40% - 504 Program
◦ 10%/15%- Owners’ Equity
◦ Special Circumstances
Single purpose building +5% Owners’ Equity
Start-up business +5% Owners’ Equity
Interest Rates
504 portion typically close to Prime Rate
504 portion fixed interest rate
Favorable Blended Interest Rate
New Refinance Options
Eligible up to 50% of the new project costs
34. 90% financing
Mortgage recording tax savings
Fixed below market rate on SBA portion
Up to 20 Year term on real estate
Lender holds first lien position
CDC Processes all SBA paperwork
35. Business Eligibility
◦ For Profit
◦ < 500 Employees
◦ Job creation requirement
◦ Net Worth < $7.5 Million
◦ Net Income After Taxes < $2.5 Million
Max 504 Loan Amount
◦ $5.5M (40%) for Manufacturing
◦ $5.0M (40%) for All Other Industries
Longer Repayment Term
◦ 10years - Heavy Machinery/Equipment
◦ 20 Years - Real Estate
36. Energy Efficiency Public Policy Goals
Designed to increase Energy Independence and Security
Projects that meeting criteria can qualify without job
creation
◦ Reduction of energy consumption by at least 10%
◦ Increased use of sustainable design:
Reduce fossil fuels, low impact design
◦ Plant, equipment, and process upgrades of renewable
energy sources
Micropower, Biofuels
Can qualify for $5-5.5 Million on 504 portion (40%)
depending on project
37. 1. SBA Loan Application
◦ Application for Business Loan - SBA Form 4
◦ Lenders Application for Guaranty or Participation - SBA Form 4i by your lending institution
2. Personal Background
◦ Statement of Personal History - SBA Form 912
3. Personal Financial Statement
◦ Personal Financial Statement - SBA Form 413
4. Business Financial Statements
◦ A detailed, signed balance sheet
◦ Profit and Loss (P&L) statement.
◦ Statements (current within 90 days of application) and the last three (3) fiscal years
Supplementary Schedules are required on Current Financial Statements.
38. 5. Projected Financial Statements
◦ Detailed one (1) year projection of income and finances (attach a written explanation as to how
you expect to achieve this projection).
6. Ownership and Affiliations
◦ A list of names and addresses of any subsidiaries and affiliates, including concerns in which the
applicant holds a controlling (but not necessarily a majority) interest and other concerns that may
be affiliated by stock ownership, franchise, proposed merger or otherwise with the applicant.
7. Business Certificate/License
◦ A Certificate of Doing Business (If a corporation, stamp corporate seal on SBA Form 4 section
12).
8. Loan Application History
◦ By law, the SBA may not guarantee certain types of loans if your business can obtain funds on
reasonable terms from a bank or other private source. This means you must first seek private
financing.
◦ Your company must be independently owned and operated, not dominant in its field, and must
meet certain standards of size in terms of employees or annual receipts.
39. 9. Business Income Tax Returns
◦ Signed business federal income tax returns for previous three (3) years.
10. Personal Tax Returns
◦ Signed personal federal income tax returns of principals for previous three (3) years.
11. Résumés
◦ Personal résumés including the business experience of each principal.
12. Business Overview and History
◦ Brief history of the business and its problems. Include an explanation of why the SBA loan
is needed and how it will help the business.
13. Business Lease
◦ Copy of business lease (or note from landlord) giving terms of proposed lease.
40. 14. For purchasing an existing business:
◦ Current balance sheet and P&L statement of business to be purchased.
◦ Previous two (2) years federal income tax returns of the business.
◦ Proposed Bill of Sale including Terms of Sale.
◦ Asking price with schedule of:
Inventory
Machinery and equipment
Furniture and fixtures
41. Accessed through SBA Microloan Intermediaries
◦ 8 In New York
◦ Intermediaries borrow dollars from SBA and lend
directly to borrowers
◦ Use of Proceeds
Working Capital
Machinery and Equipment/Inventory
Leasehold Improvements
Can NOT be used for down payment of or to
purchase real estate
42. Small Dollar Amount Loans
◦ $500 to $50,000
Eligibility
◦ Same as 7(a)
Maturity
◦ Short-term, not to exceed 6 years
Fixed Interest Rates
◦ Negotiable
◦ Loans < $10,000 = Cost of Funds +8.5% (Max)
◦ Loans > $10,000 = Cost of Funds +7.75% (Max)
43. ACCION USA, Inc.; Paul Quintero, CEO
115 E. 23rd St. 7th Fl., New York, NY 10010
617-684-0215; info@accionusa.org;
www.accionusa.org
Angel Fund; Joanne Grazi, Director
379 Kings Hwy. Brooklyn, NY 11223
718-787-1400 ext. 15; info@angelfundnetwork.org;
ww.angelfundnetwork.org
BOC Capital Corp. ; Nancy Carin, Executive Director
85 South Oxford St.; Brooklyn, NY 11217
718-624-9115, boccapitalcorp@bocnet.org;
www.bocnet.org
44. Center for Community Development for New Americans, Inc.;
Yanki Tshering, Executive Director
120 Broadway, Ste. 230; New York, NY 10271
212-898-4112; ytshering@nybcna.org; www.nybcna.org
Community Capital New York
Simone Obermaier, Executive Director Small Business Lending and Support
7 West Cross St., Ste. D; Hawthorne, NY 10532
914-747-8020 ext. 10; sobermaier@ccrhv.org; www.ccrhv.org
Community Development Corp. of Long Island, Inc.
John Bozek VP Small Bus. Lending Officer
2100 Middle Country Rd., Ste. 300; Centereach, NY 11720
631-471-1215; jbozek@cdcli.org; www.cdcli.org
45. Grameen America, Inc., Stephen A. Vogel, CEO
1460 Broadway, 14th Fl.; New York, NY 10036
212-735-4043; info@grameenamerica.org;
www.grameenamerica.org
Renaissance Economic Development Corp, Kevin Kong, Managing Director
1 Pike St.; New York, NY 10002
212-964-6022; info@renaissance-ny.org;
www.renaissance-ny.org
46. •Helps small businesses develop or expand their export
markets.
•Maximum loan amount: increases from $250,0000 to $500,00
•Maturity: 5 to 10 years for working capital, 10 to 15 years for
machinery and equipment and up to 25 years for real estate
•Maximum Interest Rate: Prime + 2.25% for loans of 7 years or
less, Prime + 2.75% for loans over 7 years
Export Express
•Loans are targeted to small businesses that are able to
generate export sales and need additional working capital to
support these sales.
•Maximum loan amount: increases from $2 million to $5
million
•Maturity: EWCP loans are typically issued for one year
•Maximum Interest Rate: Same as Export Express
Export
Working
Capital
Program
•Offers term loans to businesses that plan to start or continue
exporting or that have been adversely affected by competition
from imports.
•Maximum loan amount: increases from $2 million to $5
million
•Maturity: Maturity: 5 to 10 years for working capital, 10 to 15
years for machinery and equipment and up to 25 years for
real estate
•Maximum Interest Rate: Same as Export Express
International
Trade Program
47. Purpose
◦ Provide Greater Access to Government Contracts
◦ Provide in Incentive to Surety Companies
Types of Bond Guarantees
◦ Bid
◦ Payment
◦ Performance
◦ Ancillary
48. Guarantees
◦ SBA can offer 70% -90% on Surety Bonds
Eligibility
◦ Must be Small Business
◦ Contract Must Require Bonds
◦ Contract cannot Exceed $5Million ($10 Million for
Federal Contracts)
Guarantee Fees
◦ $7.26 for Every $1,000 of Contract
49. Venture capital investments are generally
made as cash exchange for shares and an
active role in the invested company
The New Markets Venture Capital
Companies
All SBIC Licensees by State
50. • The Small Business Investment Company (SBIC)
Program provides venture capital to small
businesses. Although SBICs are licensed and
regulated by SBA, they are private, profit-seeking
investment companies.
•http://www.sba.gov/content/all-sbic-licensees-state
•Details on each SBIC listed include the following
information:
51. • Preferred Investment Size: The amount the SBIC is
willing to invest or loan.
• Investment Policy: The type of investment the SBIC is
willing to make (for example, loans, equity or debt with
equity features).
• Investment Type: The various stages of financing that the
SBIC is willing to fund (for example, seed, start-up, early
stage, expansion financing, later stage financing, or
managed buyout, leveraged buyout or acquisition).
• Industry Preference: Type of industry or industries the
SBIC is interested in financing. Usually based on the
knowledge and experience of the SBIC's management.
52. • Geographic Preference: The area of the United States
where the SBIC prefers to make financing.
• Regulatory Capital: A Licensee's private paid-in capital
and surplus or private partners' contributed capital
(excluding non-cash contributions), plus unfunded binding
commitments from institutional investors.
• Leverage from SBA: A Licensee's outstanding
debentures, participating securities or preferred stock
guaranteed or purchased by SBA.
• Capital Resources: The sum of a Licensee's regulatory
capital and leverage from SBA.
53. • Dec. 2011, President Obama signed a bill reauthorizing the (SBIR) and
(STTR) programs for another six years.
• SBIR and STTR invest about $2.5 billion a year in America’s most
promising small research and development companies.
• SBIR and STTR operate in three phases, providing support for
research, development, and commercialization.
• Phase I awards: $100,000 for 6 months.
• Phase II awards: $750,000 for 2 years.
http://www.sba.gov/about-sba-services/7050
54. 1. Department of Agriculture
2. Department of Commerce
3. Department of Defense
4. Department of Education
5. Department of Energy
6. Department of Health and Human Services
7. Department of Homeland Security
8. Department of Transportation
9. Environmental Protection Agency
10. National Aeronautics and Space Administration
11. National Science Foundation
SBIR Qualifications:
• American-owned and independently operated
• For-profit
• Principal researcher employed by business
• Company size limited to 500 employees
55. Set-aside percentages are increased to 0.4% for 2014 and 2015, and to
0.45% for 2016 and thereafter.
STTR Phase I awards: $150,000 for 1 year.
STTR Phase II awards: $1,000,000 for 2 years.
SBA’s Responsibilities:
Reviews their progress
Reports annually to Congress on its operation
Aggregates agency solicitation announcement information
http://www.sba.gov/sbir/sttr
56. 1. Department of Defense
2. Department of Energy
3. Department of Health and Human Services
4. National Aeronautics and Space Administration
5. National Science Foundation
The Small Business Qualifications:
• American-owned and independently operated
• For-profit
• Principal researcher need not be employed by small business
• Company size limited to 500 employees
The nonprofit research institution eligibility criteria: (No size limit)
• Located in the US
• Meet one of three definitions
o Nonprofit college or university
o Domestic nonprofit research organization
o Federally funded R&D center (FFRDC)
57. www.sba.gov/ny/ny
SBA on the Internet
Easy-to-find
information to
help small
businesses start,
grow & succeed.
Small Business
Training Network – an
online virtual campus
offering free courses
workshops and
resources.
www.facebook.com/SBAAtlantic
www.twitter.com/SBAatlantic
58. Asian Women In Business
42 Broadway, Suite 1748
New York, New York 10004
Tel: 212.868.1368 - Fax:
877.686.6870
Email: info@awib.org