A Guide to Small Business Funding Opportunities and Incentives

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1 A Guide t Small Business Funding Opprtunities and Incentives Hw t Navigate the Funding Prcess U.S. REPRESENTATIVE TONY CÁRDENAS Califrnia s 29 th Cngressinal District January 1, 2014

2 The Office f Cngressman Tny Cárdenas Page 1 Table f Cntents Intrductin... 4 Cngressman Cárdenas Services fr Small Businesses... 5 Letters f Supprt frm Cngressman Cárdenas... 5 Grant Guide Order Frm... 6 Casewrk... 7 Small Business Resurces... 8 Federal Supprt... 9 Small Business Lans ) 7(a) Lan Prgram ) CDC/504 Lan ) Disaster Lan ) Exprt Express Lans ) Exprt Transactin Financing ) Internatinal Trade Lans ) Military Reservists Lan ) Patrit Express & Pilt Prgrams ) Micrlans Technical Supprt and Develpment Prgrams ) Ls Angeles BusinessSurce Centers ) Small Business Develpment Centers (SBDCS) ) Wmen s Business Centers ) Department f Defense Prcurement Technical Assistance Prgram (PTAP) ) Service Crps f Retired Executives (SCORE) Capital Access Prgrams ) Small Business Administratin Prgrams Tax Incentives ) Alternative Minimum Tax Exemptin ) Amrtizatin f Business Start Up Csts ) Net Operating Lsses ) Partial Exclusin f Capital Gains n Certain Small Business Stck ) Lsses n Small Business Investment Cmpany Stck Treated as Ordinary Lsses withut Limitatin Page Small Business Funding Opprtunities Guide

3 The Office f Cngressman Tny Cárdenas Page 2 6) Rllver f Gains int Specialized Small Business Stck ) Unifrm Capitalizatin f Inventry Csts ) Simplified Dllar Value LIFO Accunting Methd fr Small Firms ) Tax Credit fr Pensin Plan Star Up Csts f Small Firms ) Tax Credit fr Cst f Making a Business Mre Accessible t the Disabled Grant Prgrams Small Business Administratin ) Small Business Innvatin Research Awards (SBIR) ) Small Business Technlgy Transfer (STTR) Awards United States Department f Transprtatin ) Prcurement Assistance Divisin Lcal Funding Opprtunities Califrnia Small Business Lans ) Califrnia Industrial Develpment Financing Advisry Cmmissin (CIDFAC) Prgrams ) Industrial Develpment Revenue Bnd (IDB) Prgram ) Recycling Market Develpment Zne (RMDZ) Revlving Lan Prgram ) Replacement f Undergrund Strage Tank (RUST) Prgram Lans ) Califrnia Capital Access Prgram (CalCAP) ) Small Business Lan Guarantee Prgram ) Small Business Pllutin Cntrl Tax Exempt Bnd Financing Prgram Califrnia Technical Supprt and Develpment Prgrams fr Small Business ) Califrnia Get Yur Business Online ) Business Matchmaking ) Service Cre f Retired Executives Ls Angeles (SCORE LA) ) Disabled Veteran Business Enterprise (DVBE) and Small Business (SB) Certificatin Prgrams ) Disadvantaged Business Prgrams Califrnia Small Business Tax Incentives ) Enterprise Zne Prgram ) Lcal Agency Military Base Recvery Area (LAMBRA) ) Califrnia Cmpetes Tax Credit ) Gas Tax Refund Prgram ) Other Tax Incentives P age Small Business Funding Opprtunities Guide

4 The Office f Cngressman Tny Cárdenas Page 3 Califrnia Small Business Grants ) Innvative Clean Air Technlgies (ICAT) Prgram ) Electric Prgram Investment Charge (EPIC) ) The Buy Califrnia Initiative ) Tire Grant Prgram ) Replacement f Undergrund Strage Tanks (RUST) Prgram Grants P age Small Business Funding Opprtunities Guide

5 The Office f Cngressman Tny Cárdenas Page 4 Intrductin Dear Fellw San Fernand Valley Resident, One f the mst imprtant things my ffice can d is assist businesses in Califrnia s 29 th Cngressinal District. We prvide infrmatin abut the varius federal, state and lcal agencies that assist small business and entrepreneurial develpment, business regulatins, financing, gvernment cntracting, minrity wned business prgrams, strategic assistance, exprt assistance and verseas investment pprtunities. Our ffice als can prvide infrmatin n hw t sell t the gvernment, and we will wrk n yur behalf t request timely actin n yur prpsals t the gvernment, r t ensure that they receive full cnsideratin. Please cntact us at (818) t request additinal infrmatin. As a frmer small business wner, frmer Ls Angeles City Cuncil member, frmer member f the State Assembly, member f the United States Huse f Representatives Cmmittee n the Budget, and Chair f the Cngressinal Hispanic Caucus Task Frce n Financial Services, Manufacturing and Cmmerce, I have seen the impact in neighbrhds thrughut my district when a small, lcal business pens r clses. Their supply chain is lcal, their emplyees have a vested interest in their success and their custmers treasure the cnnectin a hmetwn business brings. I knw I ech the view f the entire U.S. Huse f Representatives when I applaud these small businesses, the risks that they have taken and the successes they have had. I am cmmitted t helping individuals, grups and businesses in the San Fernand Valley t apply fr funding that can help accmplish imprtant gals fr cmmunity grwth. This guide bk can serve as a great resurce fr the myriad infrmatin nline abut hw t secure a grant fr yur small business. Befre yu start, please be aware that mst federal funding ges t state and lcal gvernments, and rganizatins prviding cmmunity service, nt individuals. In additin t this guidebk, my Cngressinal website (http://www.cardenas.huse.gv) is cntinually updated with critical infrmatin abut varius funding pprtunities that are available t yu, hw t access them, and where t apply. Yu can als request hard cpies f this guidebk, and ther thematic funding guidebks, by filling ut the rder frm at the end f this guidebk and mailing it back t my district ffice in Arleta r by ing an electrnic cpy t Furthermre, if yu need assistance frm a federal agency, please refer t the casewrk frm at the end f this dcument r visit https://cardenas.huse.gv/services/help with a federalagency. As yu mve frward with any grant pprtunities, please cntact Jacqueline Eufrausin, my Small Business Grants Directr, fr letters f supprt, when applicable. Yu can reach her in my Washingtn, D.C. Office at r (202) Sincerely, TONY CÁRDENAS U.S. Huse f Representatives 4 P age Small Business Funding Opprtunities Guide

6 The Office f Cngressman Tny Cárdenas Page 5 Cngressman Cárdenas Services fr Small Businesses Letters f Supprt frm Cngressman Cárdenas While Cngressman Cárdenas des NOT decide which rganizatins are awarded grants r ther federal funding, there are instances in which it is apprpriate fr the Cngressman t write a letter f supprt fr an applicatin. If yu wish t request a letter f supprt fr yur applicatin, yu must supply Cngressman Cárdenas with the fllwing: 1. A descriptin f yur rganizatin, 2. A summary f the applicatin, 3. A descriptin f what the mney will be used fr, and 4. A draft letter f supprt Please frward this infrmatin by t r by mail t either ur district ffice r ur ffice lcated in Washingtn, DC: Washingtn, DC Office 1508 Lngwrth Huse Office Building Washingtn, DC Phne: Fax: District Office 9300 Laurel Canyn Blvd. Secnd Flr Arleta, CA Phne: (818) Fax: (818) P age Small Business Funding Opprtunities Guide

7 The Office f Cngressman Tny Cárdenas Page 6 Grant Guide Order Frm If yu wuld like t rder additinal grant guides frm ur ffice, please indicate what guides yu wuld like t have and cmplete the belw address infrmatin. If yu have any questins, please cntact us at: Address: Guide: 9300 Laurel Canyn Blvd. Secnd Flr Arleta, CA Phne: (818) Fax: (818) Brwnfields and Superfund Cleanup Funding Opprtunities Minrity and Wmen wned Businesses Funding Opprtunities Energy Efficiency and Weatherizatin Funding Opprtunities Fire and Emergency Services Grant Funding Opprtunities Juvenile Justice Funding Opprtunities Water and Waste Water Funding Opprtunities Faith Based and Cmmunity Funding Initiatives Veteran Guide t Benefits and Opprtunities Obesity Preventin and Access t Nutritius Fds Disaster Relief Funding Assistance Small Business Funding Opprtunities Name: Title: Organizatin: Address: City, State, ZIP: 6 Page Small Business Funding Opprtunities Guide

8 The Office f Cngressman Tny Cárdenas Page 7 Casewrk If yu have encuntered a prblem invlving a federal gvernment agency r federally subsidized benefit that yu have nt been able t successfully reslve, Cngressman Cárdenas staff f cnstituent liaisns may be able t assist yu in the fllwing areas: Emplyment Issues: including assistance with disability benefits, emplyer prvided health care plans and COBRA, Family Medical Leave Act (FMLA) benefits, pensins, unemplyment benefits, Federal and State Wrkers Cmpensatin claims and retirement related issues. Cnsumer Affairs: including assistance btaining a hme lan mdificatin under the Making Hme Affrdable Prgram, insurance claims, dissatisfactin with cnsumer prducts r services, envirnmental regulatins and cncerns regarding air quality, water r land cntaminatin. Immigratin Issues: including issues with visitr visas, family and emplyment based visas, lawful permanent resident status, naturalizatin, internatinal adptins, detentin, passprts, custms and brder issues and assistance t American Citizens in crisis abrad. Veteran Issues: including issues with VA pensin and disability benefits, educatin benefits, veteran burial r funeral issues and issues regarding the VA medical centers. IRS Issues: including cnnecting cnstituents with the Taxpayer Advcate Service t address federal tax issues including lst r delayed tax refunds, penalty abatements, payment installatin plans, tax credits, referrals t IRS Lw Incme Tax Clinics and paper tax frms. Military Issues: including issues pertaining t the Department f Defense, Army, Navy, Marine Crps, Air Frce, Cast Guard, Reserves and Califrnia Natinal Guard, as well as btaining military recrds, medals and academy nminatins. Health Care Issues: including issues with Medicare and Medicaid, health insurance, insurance prviders, nursing hmes, hspitals, and prescriptin drugs. Scial Security: including issues with Supplemental Security Incme, Scial Security Disability, survivrs benefits, and retirement benefits. Scial Services: including issues with fd stamps, HEAP (lw incme heating prgram), FEMA and disaster relief, and issues related t federally subsidized husing. Please visit the Services sectin f r call (202) fr further infrmatin. Please nte that if yu are seeking assistance with a case that invlves a lawsuit r litigatin, Huse Rules prhibit the Office f Cngressman Cárdenas frm giving legal advice r intervening in the prceeding. 7 P age Small Business Funding Opprtunities Guide

9 The Office f Cngressman Tny Cárdenas Page 8 Small Business Resurces 1. Fr Small Business resurces specific t Califrnia, including infrmatin n starting r expanding business, please visit: 2. Fr mre infrmatin n federal small business lans, please visit: grants/small business lans/sba lan prgrams 3. Fr veterans lking fr business assistance, please visit the Veterans Business Outreach Center at: 8 P age Small Business Funding Opprtunities Guide

10 The Office f Cngressman Tny Cárdenas Page 9 Federal Supprt Small Business Lans 1) 7(a) Lan Prgram The 7(a) Lan Prgram is SBA s primary prgram t help start up and existing small businesses btain financing when they might nt be eligible fr business lans thrugh nrmal lending channels. The name cmes frm sectin 7(a) f the Small Business Act, which authrizes SBA t prvide business lans t American small businesses. SBA itself des nt make lans, but rather guarantees a prtin f lans made and administered by cmmercial lending institutins. Additinal Infrmatin: 7(a) lans are the mst basic and mst cmmnly used type f lans. They are als the mst flexible, since financing can be guaranteed fr a variety f general business prpsals, including wrking capital, machinery and equipment, furniture and fixtures, land and building (including purchase, renvatin and new cnstructin), leasehld imprvements, and debt refinancing (under special cnditins). All 7(a) lans are prvided by lenders wh are called participants because they participate with SBA in the 7(a) prgram. Nt all lenders chse t participate, but mst American banks d. There are als sme nnbank lenders wh participate with SBA in the 7(a) prgram, which expands the availability f lenders making lans under SBA guidelines. Eligibility: The eligibility requirements are designed t be as brad as pssible in rder fr this lending prgram t accmmdate the mst diverse variety f small business financing needs. All businesses that are cnsidered fr financing under SBA s 7(a) lan prgram must: meet SBA size standards, be fr prfit, nt already have the internal resurces (business r persnal) t prvide the financing and be able t demnstrate repayment. Eligibility factrs fr all 7(a) lans include: size, type f business, use f prceeds and the availability f funds frm ther surces. Fr mre infrmatin, please visit: structure/lans grants/smallbusiness lans/sba lan prgrams/7a lan prgram 9 P age Small Business Funding Opprtunities Guide

11 The Office f Cngressman Tny Cárdenas Page 10 2) CDC/504 Lan The CDC/504 Lan prgram is a lng term financing tl fr ecnmic develpment within a cmmunity. The 504 Prgram prvides grwing businesses with lng term, fixed rate financing fr majr fixed assets, such as land and buildings. A Certified Develpment Cmpany is a nnprfit crpratin set up t cntribute t the ecnmic develpment f its cmmunity. CDCs wrk with the SBA and private sectr lenders t prvide financing t small businesses. There are abut 270 CDCs natinwide, with each cvering a specific gegraphic area. Additinal Infrmatin: Prceeds frm 504 lans must be used fr fixed asset prjects such as: purchasing land and imprvements, including existing buildings, grading, street imprvements, utilities, parking lts and landscaping; cnstructin f new facilities, r mdernizing, renvating r cnverting existing facilities; r purchasing lngterm machinery and equipment. The 504 Prgram cannt be used fr wrking capital r inventry, cnslidating r repaying debt, r refinancing. Interest rates n 504 lans are pegged t an increment abve the current market rate fr five year and 10 year U.S. Treasury issues. Maturities f 10 and 20 years are available. Fees ttal apprximately three (3) percent f the debenture and may be financed with the lan. Eligibility: T be eligible, the business must be perated fr prfit and fall within the size standards set by the SBA. Under the 504 Prgram, the business qualifies as small if it des nt have a tangible net wrth in excess f $7.5 millin and des nt have an average net incme in excess f $2.5 millin after taxes fr the preceding tw years. Lans cannt be made t businesses engaged in speculatin r investment in rental real estate. Fr mre infrmatin, please visit: lan prgram Telephne: (800) ) Disaster Lan If yu are in a declared disaster area and are the victim f a disaster, yu may be eligible fr financial assistance frm the U.S. Small Business Administratin even if yu dn't wn a business. As a hmewner, renter and/r persnal prperty wner, yu may apply t the SBA fr a lan t help yu recver frm a disaster. Additinal Infrmatin: Persnal Prperty Lan: This lan can prvide a hmewner r renter with up t $40,000 t help repair r replace persnal prperty, such as clthing, furniture, autmbiles, etc., lst in the disaster. As a rule f thumb, persnal prperty is anything that is nt cnsidered real estate r a part f the actual structure. This lan may nt be used t replace extrardinarily expensive r irreplaceable items, such as antiques, cllectins, pleasure bats, recreatinal vehicles, fur cats, etc. Real Prperty Lan: A hmewner may apply fr a lan f up t $200,000 t repair r restre their primary hme t its pre disaster cnditin. The lan may nt be used t upgrade the hme r make additins t it. If, hwever, city r cunty building cdes require structural imprvements, the lan may be used t meet these requirements. Lans may be increased by as much as 20 percent t prtect the damaged real prperty frm pssible future disasters f the same kind. 10 P age Small Business Funding Opprtunities Guide

12 The Office f Cngressman Tny Cárdenas Page 11 Fr mre infrmatin please visit: structure/lans grants/smallbusiness lans/disaster lans Telephne: (800) ) Exprt Express Lans The SBA Exprt Express prgram prvides exprters and lenders a streamlined methd t btain SBA backed financing fr lans and lines f credit up t $250,000. Lenders use their wn credit decisin prcess and lan dcumentatin; exprters get access t their funds faster. The SBA prvides an expedited eligibility review and prvides a respnse in less than 24 hurs. Additinal Infrmatin: SBA Exprt Express lans are available t businesses that meet the nrmal requirements fr an SBA business lan guaranty. Financing is available fr manufacturers, whlesalers, exprt trading cmpanies and service exprters. Lan applicants must demnstrate that the lan prceeds will enable them t enter a new exprt market r expand an existing exprt market. Applicants must have been in business, thugh nt necessarily in exprting, fr at least 12 mnths. The SBA des nt establish r subsidize interest rates n lans. Interest rates are negtiated between the brrwer and the lender, but may never exceed SBA interest rate caps. Rates can either be fixed r variable, and are tied t the prime rate as published in The Wall Street Jurnal. Ls Angeles (Territry: Suthern Califrnia, Arizna) Pellsn Lau Reginal Manager, Exprt Slutins Grup Office f Internatinal Trade, SBA U.S. Exprt Assistance Center 444 Suth Flwer Street, 37th Flr Ls Angeles, CA Tel: Fax: Mre Infrmatin: lan prgrams 5) Exprt Transactin Financing SBA s Exprt Wrking Capital Prgram (EWCP) lans are targeted fr businesses that are able t generate exprt sales and need additinal wrking capital t supprt these sales. SBA s aim fr the EWCP prgram is t ensure that qualified small business exprters d nt lse viable exprt sales due t a lack f wrking capital. Additinal Infrmatin: Applicatin is made directly t lenders. Interested businesses are encuraged t cntact the SBA staff at a U.S. Exprt Assistance Center (USEAC) t discuss whether they are eligible fr the EWCP prgram and whether it is the apprpriate tl t meet their exprt financing needs. The participating lenders review / apprve the applicatins and submit the request t the SBA staff at the USEAC lcatin servicing the exprters gegraphical territry. 11 P age Small Business Funding Opprtunities Guide

13 The Office f Cngressman Tny Cárdenas Page 12 The maximum EWCP line f credit/lan amunt is $2 millin. Participating banks receive a 90% SBA guaranty prvided that the ttal SBA guaranteed prtin t the brrwer des nt exceed $1.5 millin. In thse instances where the SBA guaranteed prtin reaches the $1.5 millin cap, banks can still get a 90% guaranty thanks t a c guaranty prgram between SBA and the Exprt Imprt Bank f the United States (EXIM). The SBA des nt establish r subsidize interest rates n lans. The interest rate can be fixed r variable and is negtiated between the brrwer and the participant lender. Phne: (800) ) Internatinal Trade Lans The SBA Internatinal Trade Lan prgram is a term lan designed fr businesses that plan t start/cntinue exprting r thse that that have been adversely affected by cmpetitin frm imprts. The prceeds f the Lan must enable the brrwer t be in a better psitin t cmpete. Additinal Infrmatin: Eligible Businesses Small businesses that are in a psitin t expand existing exprt markets/develp new exprt markets r small businesses that have been adversely affected by internatinal trade and can demnstrate that the Lan prceeds will imprve their cmpetitive psitin are eligible fr Internatinal Trade Lans Lan Amunt The maximum grss amunt ($2 millin) and SBA guaranteed amunt ($1.5 millin) fr an Internatinal Trade Lan is the same as a regular 7(a) lan. Hwever, there is an exceptin t the maximum SBA 7(a) guaranty amunt t ne brrwer. When there is an Internatinal Trade lan and a separate wrking capital lan, the maximum SBA guaranty n the cmbined lans can be up t $1.75 millin as lng as the SBA guaranty n the wrking capital lan des nt exceed $1,250,000. Interest Rate The SBA des nt establish r subsidize interest rates n lans. Interest rates are negtiated between the brrwer and the lender, subject t SBA caps. Rates can either be fixed r variable, and are tied t the prime rate as published in The Wall Street Jurnal. Fr lans greater than $50,000 and maturity in excess f 7 years, lenders may charge up t 2.75 percent ver prime rate. Fr mre infrmatin, please visit: trade lan fact sheet smallbusinesses Phne: (800) ) Military Reservists Lan The purpse f the Military Reservist Ecnmic Injury Disaster Lan prgram (MREIDL) is t prvide funds t an eligible small business t meet its rdinary and necessary perating expenses that it culd have met, but is unable t meet, because an essential emplyee was "called up" t active duty in their rle as a military reservist. These lans are intended nly t prvide the amunt f wrking capital needed by a small business t pay its necessary bligatins as they mature until peratins return t nrmal after the essential emplyee is released frm active military duty. The purpse f these lans is nt t cver lst incme r lst prfits. MREIDL funds cannt be used t take the place f regular cmmercial debt, t refinance lng term debt r t expand the business. 12 P age Small Business Funding Opprtunities Guide

14 The Office f Cngressman Tny Cárdenas Page 13 Federal law requires SBA t determine whether credit in an amunt needed t accmplish full recvery is available frm nn gvernment surces withut creating an undue financial hardship t the applicant. The law calls this credit available elsewhere. Generally, SBA determines that ver 90% f disaster lan applicants d nt have sufficient financial resurces t recver withut the assistance f the Federal gvernment. Because the Military Reservist ecnmic injury lans are taxpayer subsidized, Cngress intended that applicants with the financial capacity t fund their wn recvery shuld d s and therefre are nt eligible fr MREIDL assistance. Additinal Infrmatin: The law authrizes lan terms up t a maximum f 30 years. SBA determines the term f each lan in accrdance with the brrwer's ability t repay. Based n the financial circumstances f each brrwer, SBA determines an apprpriate installment payment amunt, which in turn determines the actual term. Lan Amunt Limit $2,000,000: The actual amunt f each lan, up t this maximum, is limited t the actual ecnmic injury as calculated by SBA, nt cmpensated by business interruptin insurance r therwise, and beynd the ability f the business and/r its wners t prvide. If a business is a majr surce f emplyment, SBA has authrity t waive the $2,000,000 statutry limit. Phne: (800) Mre Infrmatin: reservists ecnmic injury lans 8) Patrit Express & Pilt Prgrams The new Patrit Express lan is ffered by SBA s netwrk f participating lenders natinwide and features ur fastest turnarund time fr lan apprvals. Lans are available up t $500,000 and qualify fr SBA s maximum guaranty f up t 85 percent fr lans f $150,000 r less and up t 75 percent fr lans ver $150,000 up t $500,000. Fr lans abve $350,000, lenders are required t take all available cllateral. Additinal Infrmatin: The SBA and its resurce partners are fcusing additinal effrts n cunseling and training t augment this lan initiative. Eligible Applicants: Eligible military cmmunity members include veterans, service disabled veterans, active duty service members eligible fr the military s Transitin Assistance Prgram, Reservists and Natinal Guard members, current spuses f any f the abve, r a widwed spuse f a service member r veteran wh died during service r f a service cnnected disability. Mre Infrmatin: prgrams 9) Micrlans The Micrlan Prgram prvides very small lans t start up, newly established, r grwing small business cncerns. Under this prgram, SBA makes funds available t nnprfit cmmunity based lenders (intermediaries) which, in turn, make lans t eligible brrwers in amunts up t a maximum f $35,000. The average lan size is abut $13,000. Applicatins are submitted t the lcal intermediary and all credit decisins are made n the lcal level. 13 P age Small Business Funding Opprtunities Guide

15 The Office f Cngressman Tny Cárdenas Page 14 Additinal Infrmatin: The maximum term allwed fr a micrlan is six years. Hwever, lan terms vary accrding t the size f the lan, the planned use f funds, the requirements f the intermediary lender, and the needs f the small business brrwer. Mre Infrmatin: prgram 14 P age Small Business Funding Opprtunities Guide

16 The Office f Cngressman Tny Cárdenas Page 15 Technical Supprt and Develpment Prgrams 1) Ls Angeles BusinessSurce Centers The Ls Angeles BusinessSurce Centers prvide startup ventures and current small business wners varius cst effective tls t make their business a success. Thrugh these tls, small businesses can grw and remain cmpetitive within the City f Ls Angeles. Additinal Infrmatin: The Ls Angeles BusinessSurce Centers in huse staff ffer ne n ne cnsulting, financing technical assistance, emplyee hiring and wrk frce develpment training, and ther small business curses. In additin, the prgram actively assists BusinessSurce Centers client effrts t btain business financing. Tw thirds f the centers perate r are frmally affiliated with a micr lan fund. Ls Angeles BusinessSurce Centers are funded by the City f Ls Angeles Cmmunity Develpment Department (CDD) under the Ls Angeles Business Assistance Prgram (LABAP), and perated by nine cmmunity partners in strategic lcatins. Nrth Valley Van Nuys Blvd. Pacima, CA Telephne: (818) Website: Suth Valley 8248 Van Nuys Blvd. Panrama City, CA Telephne: (818) Website: Mre Infrmatin: 15 P age Small Business Funding Opprtunities Guide

17 The Office f Cngressman Tny Cárdenas Page 16 2) Small Business Develpment Centers (SBDCS) SBDCs prvide free r lw cst assistance t small businesses using prgrams custmized t lcal cnditins. The SBDC als fcuses n prjects that advance the jb develpment, investment and ecnmic grwth pririties f Califrnia, with an emphasis n manufacturers, exprters and technlgy riented firms. Additinal Infrmatin: SBDCs supprt small business in marketing and business strategy, finance, technlgy transfer, gvernment cntracting, management, manufacturing, engineering, sales, accunting, exprting, and ther tpics. SBDCs are funded by grants frm the SBA and matching funds. There are mre than 1,100 SBDCs with at least ne in every state and territry. Ls Angeles Nrth State Cllege Bulevard, SGMH 5313 Fullertn, CA Telephne: (562) Fax: (562) Website: SBA Telephne: (800) Mre Infrmatin: business develpment centers sbdcs 3) Wmen s Business Centers The Wmen s Business Center is dedicated t training and assisting wmen in business r thse wh want t startup a business. This Center prvides a variety f business skills and nging technical assistance t wmen in thirty fur cunties. WBCs are similar t Small Business Develpment Centers, except they cncentrate n assisting wmen entrepreneurs. Prgrams include training, cunseling, technlgical supprt and netwrking. Marsel Watts, Directr Wmen s Business Center Valley Ecnmic Develpment Center 5121 Van Nuys Blvd. 3rd Flr Van Nuys, CA Telephne: (818) Fax: (818) la.rg 4) Department f Defense Prcurement Technical Assistance Prgram (PTAP) Prcurement Technical Assistance Centers are a lcal resurce, available at n r nminal cst, that can prvide assistance t businesses in marketing prducts and services t the Federal, state and lcal gvernments. There are three PTA centers lcated in the Ls Angeles regin. Ls Angeles Cunty Office f Small Business PTAC 1100 N. Eastern Avenue, 1st Flr 16 P age Small Business Funding Opprtunities Guide

18 The Office f Cngressman Tny Cárdenas Page 17 Ls Angeles, CA Telephne: Website: Riverside Cmmunity Cllege District PTAC 152 East Sixth Street Crna, CA Telephne: Website: American Indian Chamber Educatin Fund PTAC 555 W. Fifth Street 31st Flr Ls Angeles, CA Telephne: Website: 5) Service Crps f Retired Executives (SCORE) The Service Crps f Retired Executives (SCORE) uses ver 11,000 vlunteers t bring practical experience t start up small business and t thse thinking abut starting a new small business. SCORE prvides mentring and wrkshps. SCORE Ls Angeles 330 Nrth Brand Blvd., Suite 190 Glendale, CA Telephne: (818) Mre Infrmatin: 17 P age Small Business Funding Opprtunities Guide

19 The Office f Cngressman Tny Cárdenas Page 18 Capital Access Prgrams 1) Small Business Administratin Prgrams Small Business Investment Cmpanies (SBICs) SBICs are privately wned cmpanies that are licensed by the SBA t prvide debt and equity capital t small businesses. They can btain lans frm the SBA t supplement their wn capital. Fr the SBIC prgram, a small business is a business with net wrth f $18 millin r less and an average after tax incme fr the tw preceding years f $6 millin r less. There are alternative size standards in sme industries. The SBIC sells a debenture t the SBA, which guarantees repayment and creates a pl f these debentures fr resale n the secndary market. SBICs can brrw three times their private capital t a maximum f $113 millin. New Market Venture Capital New Market Venture Capital is a prgram that encurages equity investments in small businesses in lwincme areas that meet specific statistical criteria established by regulatin. A tax credit is available n a cmpetitive basis. Ls Angeles, CA Avante Mezzanine Partners SBIC, L.P. Cntact: Cliffrd A. Lyn Santa Mnica Blvd., Suite 1470 Ls Angeles, CA Telephne: (310) Fax: (310) Website: 18 P age Small Business Funding Opprtunities Guide

20 The Office f Cngressman Tny Cárdenas Page 19 Celerity Partners SBIC, L.P. Cntact: Cliffrd A. Lyn Santa Mnica Bulevard, Suite 1470 Ls Angeles, CA Fax: (310) Website: Levine Leichtman Capital Partners SBIC Fund, L.P. Cntact: Steven E. Hartman 335 Nrth Maple Drive, Suite 130 Beverly Hills, CA Telephne: (310) Fax: (310) Website: Multiplier Capital, L.P. Ray Bne 815 Mraga Drive Ls Angeles, CA Ray Bne Telephne: (310) Website: Washingtn, DC Telephne: (202) E mail: Website: directry 19 P age Small Business Funding Opprtunities Guide

What is an SBA Loan? SBA Loans

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