Small Business. Resource Guide for. SBA Resource Partners: Making the Network Work for You page 35. PAGE 8 Counseling.

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1 2015 Resource Guide for Small Business U.S. Small Business Administration Santa Ana SBA Resource Partners: Making the Network Work for You page 35 PAGE 8 Counseling PAGE 17 Capital PAGE 36 Contracting

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3 content SMALL BUSINESS 2015 SANTA ANA FEATURES 4 Introduction 4 Administrator s Message 5 Regional Administrator s Message 6 District Director s Letter 8 Counseling Getting Help to Start Up, Market and Manage Your Business 8 SBA Resource Partners 12 SBA s Learning Center 13 Reaching Underserved Communities 15 Are You Right for Small Business Ownership? 16 Writing a Business Plan 17 Capital Financing Options to Start or Grow Your Business 17 SBA Business Loans 18 What to Take to the Lender 28 Surety Bond Guarantee Program 29 Small Business Investment Company Program 29 Small Business Innovation Research Program 30 Small Business Technology Transfer Program 32 SBA Loan Program Chart 34 SBA Lenders Program Chart On the Cover: Early SBA-Backed investment and business advice sets Brandywine Valley Fashionistas, Amy Trelenberg and Megan Healty, up to take the fashion world by storm. See success story on back cover. 35 Feature Article Making the Most of SBA s Resource Partner Network 36 Contracting Applying for Government Contracts 36 How Government Contracting Works 37 SBA Contracting Programs 40 Getting Started in Contracting 41 Disaster Assistance Knowing the Types of Assistance Available for Recovery 43 Advocacy and Ombudsman Watching Out for Small Business Interests 44 Additional Resources Taking Care of Start Up Logistics 47 Business Organization: Choosing your Structure 49 Other Assistance 54 Lender Listing Reni Publishing Publishers of Small Business Resource Advertising Phone: Fax: Staff President/CEO Joe Jensen jjensen@reni.net English/Spanish Small Business Resource Advertising Nicky Roberts nroberts@reni.net Martha Theriault mtheriault@reni.net Kenna Rogers krogers@reni.net Production Diane Traylor dtraylor@reni.net SBA s Marketing Office: The Small Business Resource Guide is published under the direction of SBA s Office of Marketing and Customer Service. Director of Marketing Paula Panissidi paula.panissidi@sba.gov Graphic Design Gary Shellehamer gary.shellehamer@sba.gov SBA s participation in this publication is not an endorsement of the views, opinions, products or services of the contractor or any advertiser or other participant appearing herein. All SBA programs and services are extended to the public on a nondiscriminatory basis. Printed in the United States of America While every reasonable effort has been made to ensure that the information contained herein is accurate as of the date of publication, the information is subject to change without notice. The contractor that publishes this guide, the federal government, or agents thereof shall not be held liable for any damages arising from the use of or reliance on the information contained in this publication. SBA Publication # MCS-0018 This publication is provided under SBA Contract # SBAHQ05C0014. Visit us online: Santa Ana Small Business Resource 3

4 The U.S. Small Business Administration FROM THE ADMINISTRATOR Let s Work Together When I took my oath as the new SBA Administrator I was energized to work on behalf of entrepreneurs like you. I know you ve risked so much to start and grow your small business, because I ve stood in your shoes. I ve started three small businesses of my own, including a community business bank that provided capital to other small businesses. This not only strengthened my knowledge of the challenges you face, it also strengthened my resolve to help you overcome those hurdles and succeed. When I started my first business almost 20 years ago, I experienced similar changes to the ones you face today. On any given day, I could be called upon to be my company s human resources director, CFO, COO, or chief sales officer all while competing against larger firms in highly competitive markets. I know you multitask your way through similar days to grow your business and provide good jobs for your employees. My message to you is a simple one: The SBA is here for you, to help you access capital, counseling, contracts, or assistance after a natural disaster. We have dedicated resource partners in every community in America whose job is to make your job easier. They will work with you one-on-one to answer your questions, and they will help you open new doors to new business opportunities. One of our resource partners is SCORE For the Life of Your Business-, who marks its 50th anniversary this year. SCORE s 11,000+ volunteer mentors are both working and retired business professionals who are dedicated to providing you with game-changing advice and support. You can learn more about SCORE and our other resource partners, Small Business Development Centers (SBDC) and Womens Business Centers (WBC) in the Counseling section of this guide. Our feature article also provides information about leveraging our resource partner network at different points in your small business journey and shares success stories of small businesses like you who have benefitted from SBA resource partner support. To find the location of your nearest SBA District Office or resource partner, visit At the SBA, taking care of business has been our business for 61 years. This agency has been an important force in America s economic recovery, but we re only getting started. We look forward to helping you become the next great American success story. Sincerely, Maria Contreras-Sweet Administrator U.S. Small Business Administration 4 Santa Ana Small Business Resource Visit us online:

5 The U.S. Small Business Administration FROM THE REGIONAL ADMINISTRATOR stages of business. Whether you are starting up or speeding up your business, I hope you will find this Business Resource Guide a handy and useful source of information. The Guide includes the many resources and programs the Small Business Administration offers aspiring and current small business owners throughout all Small businesses are the heart and soul of America and our communities. They are at the center of our nation s economic vitality, financial strength, job creation and competitiveness in the global marketplace. They make the USA unique and the preeminent economic powerhouse in the world. The SBA is dedicated to serving the 28 million small businesses across this great nation, 3.5 million right here in California. Small businesses make up 99.7% of all employers in the U.S and 99.2% in California. So we know that when small business wins, California wins, and America wins. In SBA s Region 9, nine district offices serve Arizona, California, Hawaii, Nevada, and Guam. Nearly 20% of small businesses in the U.S. are located in these states and account for 21% of SBA lending activity last year in the entire country. Our District Directors and their highly competent teams work closely with our lending and resource partners and community business leaders to help entrepreneurs startup and grow. Our current mission is to build an SBA that is more accessible, inclusive, streamlined and modernized and we are dedicated to helping small businesses prosper through the 3 Cs, along with our disaster loan assistance to homeowners, renters and small businesses during declared disasters. Capital A primary focus for the SBA is to help small businesses get access to capital, especially in our underserved communities. The SBA 7(a) Loan Program reached another lending record in FY 2014 increasing by 12% the number of loans approved (52,044) and by 7.4% in the dollar amount of loans approved (19.19 billion) over fiscal year This year we streamlined our processes for loans less than $300,000, making it simpler for both borrowers and lenders. We also extended fee waivers for FY15 for loans under $150,000 and for Veterans Advantage loans less than $350,000. Contracting the U.S. government is the largest purchaser of goods and services in the world. The SBA works hard with federal agencies to expand contracting opportunities for small businesses, to ensure that they get their fair share. In FY 2014 the federal government reached its small business contracting goal for the first time in eight years, awarding percent in federal contracts to small businesses, totaling $83.1 billion. Counseling We offer training, education, mentoring and one-on-one counseling at our District Offices or with our valued resource partners such as SCORE, Small Business Development Centers, Women Business Centers and Veteran Business Outreach Centers. Classes such as How to Start and Manage a Business, Business Loan Options, Small Business Taxes and Bookkeeping, Business Planning and Marketing Strategies, Harnessing Social Media, Growing Your Business Through Exporting and Federal Contracting are offered regularly to small businesses. To all small business owners and entrepreneurs, thank you for your courage, determination, optimism and ingenuity. We promise to work diligently for small business at every stage to provide more access to the capital, contracting opportunities and counseling assistance you need to start, grow and innovate. Thank you for the opportunity to support your dreams. Kind regards, Donna J. Davis Regional Administrator U.S. Small Business Administration Region 9: Arizona, California, Hawaii, Nevada, Guam Visit us online: Santa Ana Small Business Resource 5

6 SANTA ANA SBA Staff Listing Executive Direction - Back row: Adalberto Quijada, Rachel Baranick, Stephen Leung. Front row: Christopher Lorenzana and Karen Burgess. EXECUTIVE DIRECTION Adalberto Quijada District Director Rachel Baranick Deputy District Director LENDER RELATIONS Stephen Leung Lender Relations Specialist (a) Team - Back row: Karen Burgess, Tony Mangohig, Michael Schwarz. Front row: Gloria Gomez and Sandra Anguiano. Not pictured: Molly Muro. BUSINESS OPPORTUNITY 8(a) Karen Burgess Lead Business Opportunity Specialist Sandra Anguiano Business Opportunity Specialist Gloria Gomez Business Opportunity Specialist Molly Muro Business Opportunity Specialist Michael Schwarz Business Opportunity Specialist Tony Mangohig Business Opportunity Specialist Outreach Team - Back row: Sylvia Gutierrez, Victor Acosta, Cheryl Pereira, Sheree Coates and Paul Smith. Front row: Christopher Lorenzana and Doug Dare. ECONOMIC DEVELOPMENT Christopher Lorenzana Lead Economic Development Specialist Sheree Coates Economic Development Specialist Doug Dare Economic Development Specialist Sylvia Gutierrez Economic Development Specialist Cheryl Pereira Program Support Assistant Paul Smith Economic Development Specialist Message From The District Director Over the last two decades, small and new businesses have been responsible for creating two out of every three net new jobs in the United States, and the country s 28 million small firms today employ 60 million Americans that s fully half of the private sector workforce. Since its founding in 1953, the Small Business Administration has been focused on making sure that entrepreneurs and small business owners have the tools, resources, and relationships you need to do what you do best: grow your business and create jobs. Over the past several years, SBA has streamlined and simplified many of its programs to better serve the small business community. And these changes are making an impact, helping more entrepreneurs access SBA capital, contracting, and counseling programs every day. One example is SBA s CAPLine program, designed to help small businesses meet their shortterm and cyclical working capital needs. SBA took feedback from lenders and small business owners about how to make the program more efficient and effective. As a result, we streamlined the paperwork and allowed banks to use more of their own processes. Since the program has been re-engineered, we are now seeing loan volumes up more than 220 percent. In addition to streamlining its programs, SBA has broadened its outreach efforts, in order to reach entrepreneurs in critically underserved communities, through partnerships with organizations such as the American Association of Retired Persons (AARP) and programs such as Operation: Boots to Business, an ongoing partnership between SBA, its resource partner network, and Syracuse University to offer entrepreneurship training to transitioning military veterans. I hope this guide helps you to take advantage of some of the tools we offer at SBA. If you want additional information about any of our programs or initiatives, please feel free to visit us on the web at give us a call at , or come in to our office. It could be one of the best moves you make for your business! Sincerely, J. Adalberto Quijada District Director of SBA s Santa Ana District Office 6 Santa Ana Small Business Resource Visit us online:

7 Doing Business in Orange, Riverside and San Bernardino Counties SUCCESS STORY THE SANTA ANA DISTRICT OFFICE The Santa Ana District Office is responsible for the delivery of SBA s many programs and services throughout the counties of Orange, Riverside, and San Bernardino in Southern California. The District Director is J. Adalberto Quijada. The District Office is located at 200 W. Santa Ana Blvd., Ste. 700, Santa Ana, CA 92701, across from the Old Orange County Courthouse. Office hours are from 8:00 AM until 4:30 PM, Monday through Friday. Parking on-site costs $4.00 per hour. CONTACTING THE SANTA ANA DISTRICT OFFICE To contact the Santa Ana District Office by telephone, call SERVICES AVAILABLE Access to capital for new or existing businesses through guaranteed loans made by area bank and non-bank lenders. A Lender Relations Specialist is available to assist business owners attempting to obtain financing. Please contact Stephen Leung at or stephen.leung@sba.gov. Free counseling, advice and information on starting, better operating or expanding a small business through SCORE, Counselors to America s Small Business, Small Business Development Centers (SBDC) and Women s Business Centers (WBC). They also conduct training events throughout the district - some require a nominal registration fee. For more information about our business counseling programs, or to connect with one of our Resource Partners, please contact Cheryl Lawrence at or cheryl.lawrence@sba.gov. Federal contracting assistance to businesses owned and controlled by socially and economically disadvantaged individuals through the 8(a) Business Development Program. For more information about the 8(a) Business Development Program, please contact Karen Burgess at l or karen.burgess@sba.gov. Special programs are available for businesses involved in international trade. Please contact Paul Smith at or paul.smith@sba.gov. A Veterans Business Development Officer is available to assist military veterans who want to start or expand a small business. Please contact Doug Dare at or douglas.dare@sba.gov for details. A Women s Business Ownership Representative is available to assist female entrepreneurs. Please contact Sylvia Gutierrez at or sylvia.gutierrez@sba.gov for details. We Welcome Your Questions For extra copies of this publication or questions please contact: Santa Ana District Office 200 W. Santa Ana Boulevard, Suite 700 Santa Ana, CA Tel: Website: Billion Dollar Brows Reaches Billion Dollar Markets with SBA Backed Financing Husband and wife owned company receives SBA international trade loan enabling them to formulate product recipes for specific export markets, increase warehouse space and hire employees Santa Ana, CA Billion Dollar Brows founder Natalie Plain believes everyone deserves beautiful brows, citing their transformative power to change a person s whole look. She recounts in her book, The Plain Truth About Brows, how a photo of her with former President Bill Clinton started her on the path of rehabilitating people s eyebrows. With the help of an SBA guaranteed International Trade Loan funded by Sunwest Bank, she is one step closer to accomplishing that goal. The former White House intern turned reality television writer turned entrepreneur recently received a loan that is allowing her company to formulate recipes for its products and tailor them to specific export markets such as Japan, Norway, Finland, Norway, United Arab Emirates, Australia and the United Kingdom, among others. The company takes variations in skin tone, hair types, local fashion trends, and consumer preferences around the globe into account as it prepares its product formulas, ensuring a successful launch in each different market. The SBA-backed International Trade Loan, which features a higher-thantypical guaranty of 90% as an incentive to encourage lending to small businesses engaged in exporting, will be used to purchase inventory for the company, which has been doubling its growth yearover-year each of the last two years. The loan has also helped the business to hire new employees, such as an executive with experience launching products through large retail chains, and expand its warehouse space. The company, which relocated from Los Angeles to Irvine about a year and a half ago, expects record revenues this year, and is signing new continued on page 10 Visit us online: Santa Ana Small Business Resource 7

8 COUNSELING Getting Help to Start, Market and Manage Your Business COUNSELING Every year, the U.S. Small Business Administration and its nationwide network of resource partners help millions of potential and existing small business owners start, grow and succeed. Whether your target market is global or just your neighborhood, the SBA and its resource partners can help at every stage of turning your entrepreneurial dream into a thriving business. If you re just starting out, the SBA and its resources can help you with business and financing plans. If you re already in business, you can use the SBA s resources to help manage and expand your business, obtain government contracts, recover from disaster, find foreign markets, and make your voice heard in the federal government. You can access SBA information at or visit one of our local offices for assistance. SBA S RESOURCE PARTNERS In addition to our district offices, which serve every state and territory, the SBA works with a variety of local resource partners to meet your small business needs: SCORE chapters, Small Business Development Centers (SBDCs), and Women s Business Centers (WBCs). This partner network reaches into communities across America: More than 13,000 business counselors, mentors and trainers available through over 900 Small Business Development Centers, 110 Womens Business Centers and 350 SCORE chapters. These professionals can help with writing a formal business plan, locating sources of financial assistance, managing and expanding your business, finding opportunities to sell your goods or services to the government, and recovering from disaster. To find your local district office or SBA resource partner, visit SCORE SCORE is a national network of more than 11,000 entrepreneurs, business leaders and executives who volunteer as mentors to America s small businesses. SCORE volunteers donated more than 1.1 million hours providing services to small business clients. SCORE leverages decades of experience from seasoned business professionals to help entrepreneurs to start and grow companies and to create jobs in local communities. SCORE does this by harnessing the passion and knowledge of individuals who have owned and managed their own businesses and want to share this real world expertise with you. Found in more than 350 chapters and 800 locations throughout the country, SCORE provides key services both face-to-face and online to busy ON THE UPSIDE It s true, there are a lot of reasons not to start your own business. But for the right person, the advantages of business ownership far outweigh the risks. entrepreneurs who are just getting started or are in need of a seasoned business professional as a sounding board for their existing business. As members of your community, SCORE mentors understand local business licensing rules, economic conditions and important business networks. SCORE can help you as they have done for many entreprenurs through the years by: Matching your specific needs with a business mentor Traveling to your place of business for an on-site evaluation Teaming with several SCORE mentors to provide you with tailored assistance in a number of business areas Across the country, SCORE offers more than 10,000 local businesseducational workshops and seminars ranging in topic and scope depending on the needs of the local business community. SCORE workshops cover all manner of business topics, including: an introduction to the fundamentals of a business plan, managing cash flow and marketing your business. For established businesses, SCORE offers more in-depth training in areas like customer service, hiring practices and home-based businesses. For around-the-clock business advice and information on the latest business news and trends visit or call for the SCORE office nearest you. More than 1,200 online mentors with over 150 business skill sets answer your questions about starting and running a business. For more information on SCORE and to get your own business mentor, visit Orange County SCORE comprises of over 100 volunteer mentors who leverage their expertise to help start and grow small businesses. Orange County SCORE offers: You get to be your own boss. Hard work and long hours directly benefit you, rather than increasing profits for someone else. Earnings and growth potential are unlimited. Running a business will provide endless variety, challenge and opportunities to learn. 8 Santa Ana Small Business Resource Visit us online:

9 No-cost personal mentoring at locations throughout Orange County Free and low-cost workshops on a variety of business topics at many locations The no-cost use of an Advisory Board of mentors for existing businesses CEO Forum, a program for existing business owners to work through their issues in a peer-to-peer learning environment Women in Business Breakfasts, bi-monthly events for learning and networking The annual Women Business Owners Conference, an opportunity to hear from knowledgeable speakers, learn from successful peers and network with others mentoring through the national SCORE website, www. SCORE.org In its most recent fiscal year, Orange County SCORE volunteers personally held more than 4,000 counseling sessions with entrepreneurs and educated 11,000 workshop participants in 350 workshops. An independent study conducted in 2012 concluded that Orange County SCORE helped start 287 new businesses and create 1615 new jobs that year. Counseling locations are available at eighteen locations throughout Orange County. For more information or to make an appointment, call Orange County SCORE at Orange County SCORE Chapter 200 W. Santa Ana Blvd., Ste. 700 Santa Ana, CA Inland Empire SCORE consists of approximately 30 volunteer business mentors who leverage their expertise to help businesses start and grow in Riverside and the Inland Empire. Inland Empire SCORE offers: Free one on one mentoring in locations throughout Riverside and San Bernardino County Regularly scheduled workshops and events Documents, templates and tools covering business planning, capital sources, and much more Inland Empire SCORE Chapter Pierce St., 2nd Fl. Riverside, CA Coachella Valley SCORE consists of approximately 30 volunteer business mentors who help small businesses in the Coachella Valley become successful. Their services includee: Free, confidential, business mentoring by experienced professionals Low cost workshops on a variety of business topics, such as marketing, finance, and more Business tools and templates Regularly scheduled Business Mastermind Meetings Coachella Valley SCORE Chapter Cook St., #104 Palm Desert, CA California s Centers for International Trade Development (CITD) California s Centers for International Trade Development (CITD) are funded by the state of California through the economic and workforce development division of the California Community Colleges. The network of CITD offices provide value-added assistance to businesses and entrepreneurs to increase their capacity to export or import. The CITD network directly and through partnerships with state and federal agencies like the CDFA, USCS, and Ex-Im Bank, serves small & medium-size businesses and entrepreneurs in the state through trade missions, low-cost training, trade research, and limited free consulting. Orange County CITD 2323 N. Broadway, Ste. 328 Santa Ana, CA Serving county of Orange SMALL BUSINESS DEVELOPMENT CENTERS The U.S. Small Business Administration s Small Business Development Centers (SBDC) mission is to build, sustain, and grow small businesses; as well as to promote small business development and enhance local economies by creating businesses and fulfilling its mission of creating jobs. The Small Business Development Centers, vital to SBA s entrepreneurial outreach, have been providing service to small businesses for almost 35 years. It is one of the largest professional small business management and technical assistance networks in the nation. With over 900 locations across the country, SBDCs offer existing and future entrepreneurs free one-on-one expert business counseling and low-cost training by qualified small business professionals. In addition to its core services, the SBDCs offer special focus areas such as green business technology, disaster recovery and preparedness, export assistance, international trade assistance, veteran s assistance, technology transfer and regulatory compliance. The program combines a unique combination of federal, state and private sector resources to provide, in every state and territory, the foundation for the economic growth of small businesses. The return on investment is demonstrated by the program s success during FY2013. Assisted more than 14,200 entrepreneurs to start new businesses equating to nearly 39 new business starts per day. Provided counseling services to more than 104,000 emerging entrepreneurs and over 96,000 existing businesses. Provided training services to approximately 330,000 clients. The efficacy of the SBDC program has been validated by a nationwide impact study. Of the clients surveyed, more than 80 percent reported that the business assistance they received from the SBDC counselor was worthwhile. The top five impacts of counseling cited by SBDC clients were revising marketing strategy, increasing sales, expanding products and services, improving cash flow and increasing profit margin. More than 40 percent of long-term clients receiving five hours or more of counseling reported an increase in sales and profit margins. For information on the SBDC program, visit To schedule an appointment for counseling or to see the seminar schedule, contact the enter nearest you from the list below. The Orange County/Inland Empire SBDC Network s team of over 25 dedicated professional business consultants and training specialists work with prospective entrepreneurs and existing business owners to help them realize their entrepreneurial goals. We offer clients free consulting, access to capital, and low-cost training to help grow your business. Special SBDC programs and economic development activities include international trade assistance, procurement assistance, COUNSELING Visit us online: Santa Ana Small Business Resource 9

10 COUNSELING and venture capital formation. The SBDCs also make special efforts to reach minority members of socially and economically disadvantaged groups, veterans, women and the disabled. The services we provide include: Consulting Business seminars Valuable technical assistance International trade assistance Venture capital formation Access to Capital Financial statement & business plan reviews Procurement For more information on our network, visit us at SERVICE CENTER and OUTREACH CENTER LOCATIONS Orange County SBDC 2323 N. Broadway, Ste. 201 Santa Ana, CA LaunchPad SBDC 65 Enterprise Aliso Viejo, CA Coachella Valley SBDC 3111 E. Tahquitz Canyon Way Palm Springs, CA cvsmallbusiness.com TriTech SBDC 152 E. 6th St. Corona, CA TRITECH SBDC - EXPANDED LOCATIONS Airport Business Center MacArthur Blvd., Ste. 208 Irvine, CA Riverside Office 3780 Market St. Riverside, CA Fax Inland Empire SBDC 3780 Market St. Riverside, CA Inland Empire SBDC - EXPANDED LOCAtions Chino Business Resource Center Central Ave., 2nd Fl. Chino, CA Fax City of Eastvale Limonite Ave., Ste. 910 Eastvale, CA Fax City of Hesperia th Ave. Hesperia, CA Fax City of Menifee Menifee Chamber of Commerce New Hub Dr., Ste. C Menifee, CA City of Upland Carnegie Culture Center 123 D Street, Basement Level Upland, CA Fax High Desert Service Center Civic Dr., Ste. 102 Victorville, CA Fax SUCCESS S T O R Y Billion Dollar Brows Reaches Billion Dollar Markets With SBA Backed Financing continued from page 7 distributors every month, including recently big box retail giant Kohl s. The company got its start with the launch of its first product, Brow Boost, a conditioner for over-plucked or naturally thin eyebrows. The product proved to be incredibly popular when it was launched, inspiring Natalie and her husband Bob to design other products, including brow pencils, gels, powders, and eventually its patented Brow Buddy tool, which the company has used to recreate perfect brows in salons across the globe, including its own located in Beverly Hills. Their Beverly Hills salon now pulls double duty as a test kitchen for the business, allowing the owners to try out new products, conduct focus groups and listening sessions, and most importantly, get instant feedback from the stylists and end users that use their products. Area lenders have shown an increasing appetite to finance these types of loans, which can be used by a small business to expand existing export markets, develop new export markets, or even if the business has been adversely affected by import competition and can demonstrate the loan will improve their competitive position. The proceeds from an SBA International Trade Loan can be used for acquiring, constructing, renovating, modernizing, improving or expanding facilities and equipment to be used in the United States to produce goods or services involved in international trade and to develop and penetrate foreign markets; working capital; and possibly debt refinancing, if the debt incurred is eligible. Last year, SBA shattered its record for export financing, supporting some $2.8 billion in export sales nationwide. Any SBA approved 7(a) lender is authorized to underwrite an international trade loan. International trade, especially U.S. export trade, represents an integral part of our nation s economy. In 2013, U.S. exports amounted to $1.579 trillion, an increase of 49.4% since 2009 and accounted for 9.4% of our overall GDP. The products and services produced by innovative businesses in our country are desired around the world and SBA s International Trade program with its 90% guaranty helps small businesses reach these far away markets. Billion Dollar Brows is a great example of how a small business can look for customers outside our borders, and work with SBA financing partners to help them expand, said J. Adalberto Quijada, Director of SBA s Santa Ana District. 10 Santa Ana Small Business Resource Visit us online: