1. U.S. Small Business Administration The SBA Advantage — Resources and Programs for Success You’ve decided to go into business, let us in the SBA help you grow. Programs & Services Available for Your Small Business 1

2. Starting and Expanding Your Business Business Counseling Developing a business plan Making contacts Accessing business resources Reviewing your loan package Preparing for Federal contract opportunities Do you need assistance? 2

3. Starting and Expanding Your Business SCORE Small Business Development Centers Women’s Business Centers The SBA and its resource partners provide business education and counseling programs across the country. Small Business Training Network Procurement Technical Assistance Centers 3

4. Reaching the Underserved SBA strives to reach those underserved by our programs including: Women Native Americans Young Entrepreneurs Veterans 4 Minorities

5. Financing Options for Your Business SBA financial assistance programs can help you: Start and grow your business Export your goods and services Recover from a disaster SBA is primarily a guarantor of loans made by private and other institutions. The SBA does not offer grants to start or grow small businesses The SBA does not offer grants to start or grow small businesses. 5

6. Do You Know Your Financing Options? Inventory and working capital land and buildings Surety bonds for small and minority construction contractors Venture capital investing Export assistance Disaster assistance 6 Loans Guarantees for: Refinance existing business debt

7. SBA Loan Guarantee Approval Considerations Owners and operators of good character Feasible business plan Management expertise and commitment necessary for success Sufficient funds, including SBA guaranteed loan, to operate the business on a sound financial basis Adequate equity invested in the business Sufficient collateral Ability to repay the loan on time from the projected operating cash flow 7

8. The 7(a) Loan Program SBA’s primary business loan program Broad eligibility requirements Wide range of financing needs Maximum loan amount of $5 million Maximum guaranty can not exceed 90% of loan Look at Your SBA District’s Resource Guide for different programs –Found at www.sbaguides.com 8 Used for Franchise financing

9. Patriot Express Initiative Loan Start-up Expansion Equipment purchases Working capital Inventory purchases Business real-estate purchases Can be used for: 9

10. Patriot Express Initiative Loan $450,000 (90 percent) Lenders are required to take all available collateral for loans between $350,000 and $500,000 Certification of U.S. Immigration Laws compliance is required Patriot Express loans qualify for the SBA’s maximum guaranty: 10

11. CAPLines Loans Short-term, cyclical working capital Maximum loan amount: $5 million Uses: short-term/seasonal revolving line of credit Maturity: up to 5 years Maximum guaranty = 90% Maximum interest: vary with amount/type/ length of loan Guaranty fees: vary with amount/ type of loan 11

12. Microloans Maximum loan amount: $50,000 Uses: purchase machinery, equipment, fixtures, working capital, leasehold improvements, increased receivables Maturity: 6 years or less Offered by Intermediaries Maximum interest: negotiable Guaranty fees: none 12

13. 504/Certified Development Company Program Maximum loan amount: $5M to $5.5M Uses: long-term; fixed assets; debt refinancing Maturity: generally 10 - 20 years Maximum guaranty: 50% Maximum interest: fixed rate established when debenture backing sold Guaranty fees: Eliminated thru 31 Dec ‘10; other factors may apply Project costs: financed by 504 Loan 40% lender finances — 50% equity finances 10-20% 13

14. International Trade Financing 96% of the world’s customers reside outside the U.S. Conducting foreign business is easier than ever Global communications enhance business opportunities Exports create jobs in the U.S.AExports create jobs in the U.S.A. 14 National Export InitiativeNational Export Initiative

15. The Surety Bond Guarantee Program SBA has two program options available: Prior Approval Program (Plan A): –SBA guarantees 90% of a surety’s paid losses, expenses on bonded contracts up to $100,000 and on bonds for socially and economically disadvantaged HUBZone contractors and veterans & service-disabled veterans. –All other bonds guaranteed in the Plan A program receive an 80% guarantee. Preferred Surety Bond Program (Plan B) –SBA guarantees 70%, but sureties may issue, monitor and service bonds without SBA’s prior approval. Maximum bond maximum amount $2 million 15

16. Small Business Innovation Grants 1. Small Business Innovation Research (SBIR) Participating agencies: Departments of Agriculture, Commerce, Defense, Education, Energy, Health and Human Services, Homeland Security, Transportation; Environmental Protection Agency; NASA and the National Science Foundation 16 Reserves a percentage of government R&D funds for small businesses 2. Small Business Technology Transfer (STTR) Reserves a percentage of government R&D funds for small businesses and nonprofit research institutions Participating agencies: Departments of Defense, Energy, Health and Human Services; NASA and the National Science Foundation

17. Federal Contracting The HUBZone Program Federal set-asides or; Sole-source awards Price evaluation preference Qualified tracts throughout States & Territories 17 www.sba.gov/HubZoneIdentified at www.sba.gov/HubZone

18. The 8(a) Business Development Program Program for women, disadvantaged individuals, service-disabled veterans and others in social or economic disadvantage. Offers assistance to businesses competing for federal contracts. Sole-source or competitive Federal contracts. 7(j) Management and Technical assistance. 18

19. Women-Owned Small Business Program Approved 1 Oct 2010, implementation to be made after 4 February 2011. To Qualify: –Woman/Women Directly Own, Control & Manage Daily Operations –Woman/Women must be U.S. Citizens Economically Disadvantaged WOSB –Plus Net Worth $750,000 Income not exceeding $350,000 Assets not exceeding $6m More info at www.sba.gov/wosb

20. Your Voice in Government The SBA Office of Advocacy works to ensure proposed federal rules and regulations will not unfairly impact small businesses. www.sba.gov/advo The SBA Office of National Ombudsman assists small businesses subjected to unfair audits, fines or enforcement actions. www.sba.gov/ombusdman 20

21. SBA on the Internet www.sba.gov Easy-to-find information to help small businesses start, grow and succeed. Small Business Training Network — an online virtual campus offering free courses, work-shops and resources. www.business.gov The official resource to help businesses find: Compliance information Contacts at government agencies 21 www.sba.gov/espanol Ayuda en Español www.franchiseregistry.com SBA assistance for Franchisors and Franchisees

22. SBA Resource Partners in Florida Florida Small Business Development Center (SBDC) ProgramFlorida Small Business Development Center (SBDC) Program –www.floridasbdc.com SCORE FloridaSCORE Florida –www.scoreflorida.org Women Business Center (WBC) ProgramWomen Business Center (WBC) Program –Jacksonville: www.myjaxchamber.com –Melbourne: wbc.fit.edu –Miami: www.flwbc.org Procurement Technical Assistance Center (PTAC) ProgramProcurement Technical Assistance Center (PTAC) Program –www.fptac.org Veterans Business Outreach CenterVeterans Business Outreach Center –www.vboc.org Assistance for Spanish SpeakersAssistance for Spanish Speakers –www.hbifflorida.org 22

23. Your SBA For more information about your local SBA resources go to: www.sba.gov www.SBAGUIDES.com Resource guides @ www.SBAGUIDES.com 23