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financing, long-term loan funds, and management services to small business concerns.
For further information, contact the Investment Division. Phone, 202–205-6510.
The Administration may provide loan guarantees to finance residential or commercial construction or rehabilitation for sale as well as revolving lines of credit, including those for export purposes, to qualified employee trusts. The Administration
may finance small firms that manufacture, sell, install, service, or develop specific energy measures including engineering, architectural, consulting, or other professional services connected with eligible energy measures.
the Administration may also provide assistance to small businesses needing small-scale financing and technical assistance through loans and grants to private, nonprofit organizations who, in turn, make microloans and provide technical assistance to eligible concerns.
Under the provisions of sections 501506 of the Small Business Investment Act (15 U.S.C. 695, 696), loans are made to State and local development companies who likewise assist small businesses by providing long-term loans for the acquisition of land and buildings, construction, conversion, or expansion of facilities, and the purchase of machinery and equipment. For further information, contact the nearest Small Business Administration district office. Disaster Assistance The Administration lends money to help the victims of floods, riots, or other catastrophes repair or replace most disaster-damaged property. Direct loans with subsidized interest rates are made to assist individuals, homeowners, businesses, and small agricultural cooperatives without credit elsewhere that have sustained substantial economic injury resulting from natural disasters. For further information, contact the Office of Disaster Assistance. Phone, 202–205-6734. Investment The Administration licenses, regulates, and provides financial assistance to small business investment companies and section 301(d) licensees (formerly minority enterprise small business investment companies). The sole function of these investment companies is to provide venture capital in the form of equity
Surety Bonds Through its Surety Bond Guarantee Program, the Administration helps to make the contract bonding process accessible to small and emerging contractors who find bonding unavailable. It will guarantee to reimburse a qualified surety up to 90 percent of losses incurred under bid, payment, or performance bonds issued to small contractors on contracts valued up to $1.25 million. The contracts may be for construction, supplies, manufacturing, or services provided by either a prime contractor or subcontractor for governmental or nongovernmental work. For further information, contact the Office of Surety Guarantec. Phone, 202–205-6540. Government Contracting The Administration works closely with purchasing agencies of the Federal Government and with the Nation's leading contractors in developing policies and procedures that will increase the number of contracts going to small business.
The Administration provides a wide range of services to small firms to help them obtain and fulfill Government contracts and subcontracts. It sets aside suitable Government purchases for competitive award to small business concerns and provides an appeal procedure for a low-bidding small firm whose ability to perform a contract is questioned by the contracting officer. The Administration develops subcontract opportunities for small businesses by maintaining close contact with prime contractors and referring qualified small firms to them. It cooperates with Federal agencies in setting procurement goals for small businesses, small disadvantaged businesses, and small women-owned businesses for prime contracts and subcontracts.
The Administration maintains a computerized small business source referral system that provides qualified
For further information, contact the Office of Business Initiatives. Phone, 202-205-6665.
sources for Federal Government and large business procurements. It cooperates with Government agencies in ensuring that small firms have an opportunity to procure a fair share of Government property, such as timber, royalty oil, strategic materials, and mineral leases, that is sold to the private sector. The Administration also works with Federal agencies to ensure that small firms have a fair opportunity to acquire surplus Government property. For further information, contact the Office of Government Contracting. Phone, 202-205-6460. Business Initiatives The Administration develops and cosponsors counseling, education, and training for small businesses. The Administration has forged ongoing partnerships with resource partners to deliver most of the business education and training programs offered annually at low cost. One-on-one counseling is provided free of charge by the Service Corps of Retired Executives.
The Business Information Center (BIC) program is among the most innovative methods of providing small business owners with a one-stop approach to information, education, and training. The Centers combine the latest computer technology, hardware, and software, an extensive small business reference library of hard copy books and publications, and current management videotapes to help clients venture into new business areas. The use of software for a variety of business applications offers clients of all types a means of addressing their diverse needs. Although most BIC's are stand-alone centers, in Empowerment Zones BIC's will form the core element of one-stop capital shops.
In addition to education and training events, SBA cosponsors fact sheets and other materials, ranging from short, single-topic flyers to detailed publications, on a variety of business management and growth topics.
Among the most visible public/private sector cosponsorships undertaken by SBA is the creation, with Sprint, of SBA Online, SBA's toll-free electronic bulletin board for small businesses.
Minority Enterprise Development Sections 7(j) and 8(a) of the Small Business Act provide the authority for the Minority Enterprise Development Program, designed to promote business ownership by socially and economically disadvantaged persons. Its components include the 8(a) program, the 7(1) management and technical assistance program, and the minority outreach program.
Participation in the 8(a) program is available to small businesses that are at least 51 percent unconditionally owned, controlled, and managed by one or more individuals determined by SBA to be socially and economically disadvantaged. In order to gain approval for participation in the 8(a) program, the firms must sell goods and/or services that the Federal Government purchases, and demonstrate the potential for successful business development.
Program participants receive a wide variety of services from SBA including management and technical assistance, loans, and Federal contracts. Under 8(a) program authority, SBA contracts with Federal Government entities to provide goods and services and, in turn, subcontracts the performance of these contracts to 8(a) program participants.
Information regarding the program and 8(a) program applications are provided by SBA's district offices. The Division of Program Certification and Eligibility addresses issues related to 8(a) program eligibility. The Division of Program Development handles matters related to 8(a) contract awards and the business development of 8(a) participant firms.
Under section 7(j) program authority, SBA provides management and technical assistance to section 8(a) program participants, other socially and economically disadvantaged persons, and those businesses operating in lowincome or high-unemployment areas. The Administration enters into cooperative agreements and contracts with qualified organizations and individuals, including businesses, State and local governments, educational
institutions, Indian tribes, and nonprofit organizations to provide this assistance. At the local level, services are provided on a one-to-one basis in the areas of bookkeeping and accounting services, production, engineering and technical advice, feasibility studies, marketing analysis and advertising expertise, legal services, and specialized management training. At the regional and national levels, SBA funds innovative programs to provide for services in such areas as transition management for 8(a) firms, competitive marketing strategies, financing, comprehensive business plans, and financial management services. The Division of Management and Technical Assistance administers the 7(j) program. For further information, contact the Office of Minority Enterprise Development. Phone, 202–2056412. Advocacy The Office of Advocacy is mandated by Congress to serve as a leading advocate within public policy councils for the more than 22 million small businesses throughout the country. The Office is headed by the Chief Counsel for Advocacy, who advances the views, concerns, and interest of small business before the Congress, the White House, and Federal and State regulatory agencies. The Chief Counsel has specific responsibilities for monitoring the compliance of Federal agencies with the Regulatory Flexibility Act (5 U.S.C. 601).
The Office of Advocacy is one of the leading national sources for information on the state of small business and the issues that affect small business success and growth. The Office conducts economic and statistical research into matters affecting the competitive strength of small business, including the effect of Federal laws, regulations, and programs, and makes recommendations to Federal agencies for appropriate adjustments to meet the special needs of small business.
Additionally, regional advocates enhance communication between the small business community and the Chief Counsel. As the Chief Counsel's direct link to local business owners, State and local government agencies, State legislatures, and small business
organizations, they help identify new issues and problems of small business by monitoring the effect of Federal and State regulations and policies on the local business communities within their regions. For further information, contact the Office of Advocacy. Phone, 202–205-6533. Women's Business Ownership The Office of Women's Business Ownership (OWBO) is authorized in section 412 of the Small Business Act to provide assistance to the increasing number of current and potential woman business owners, and to act as their advocate in the public and private sector. It is the only office in the Federal Government specifically targeted to the Nation's women business owners, assisting them in becoming full partners in economic development through technical, financial, and management information and training, business skills counseling, and research,
Through a network of local SBA offices, OWBO offers a wide range of education and training services and resources. The Women's Business Ownership Act of 1988 and the Women's Business Development Act of 1991 authorized SBA to establish demonstration projects to provide longterm training and counseling for women at every stage of their entrepreneurial career. There are currently 54 centers, in 28 States and the District of Columbia, which provide community-based training and assistance on financial, management, marketing, and procurement matters through a 3-year grant which must be matched by nonfederal funds. The centers offer assistance to current and potential women business owners, tailored to the particular needs of the community.
The Women's Network for Entrepreneurial Training (WNET) is a year-long mentoring program linking seasoned entrepreneurs with women whose businesses are poised for growth. A new feature of the program is the peer group roundtable. These approaches help entrepreneurs avoid the common mistakes of new business owners.
The Administration's Office of Government Contracting has initiated a women's procurement pilot program with 11 major Federal procurement agencies, with the goal of expanding the pool of women-owned businesses receiving Federal contracts. These efforts include trade fairs, marketing activities, publications on Federal contracting, and utilization of SBA's Procurement Automated Source System (PASS).
In addition, the Women's Prequalification Pilot Loan program, in 16 sites nationwide, enables women to prequalify for an SBA loan guaranty before going to a lender. The program focuses on the character, credit, experience, and repayment ability of the applicant. For further information, contact the Office of Women's Business Ownership. Phone, 202-2056673. Internet, http://www.sbaonline.sba.gov/ womeninbusiness/. Veterans Affairs The Office of Veterans' Affairs (OVA) carries out the Veterans Affairs program to ensure that SBA gives special consideration in all its programs to veterans, their dependents, and survivors. The program helps those who have dedicated significant portions of their lives to the defense of the ideals which make entrepreneurship possible in our Nation. The Office works with the Nation's 27 million veterans and the nearly 500,000 military personnel affected by downsizing. It is the only Federal Government office dedicated exclusively to helping veterans who want to go into business.
Besides ensuring special consideration, OVA designs procurement and management training programs specifically for veterans, and coordinates veteran training and counseling with other departments of SBA. It also measures veteran participation by monitoring loan, surety bond, procurement, and training activity within SBA. The Office maintains liaison with other veteran and veteran-related organizations to accomplish its goals. For further information, contact the Office of Veterans Affairs. Phone, 202-205-6773.
Technology The Office of Technology has authority and responsibility for coordinating and monitoring the governmentwide activities of the Small Business Innovation Research program (SBIR). In accordance with the Small Business Research and Development Enhancement Act of 1992, as amended (15 U.S.C. 631 note), the Office develops and issues policy directives for the general conduct of the programs within the Federal Government and maintains a source file and information program to provide each interested and qualified small business concern with information on opportunities to compete for SBIR program awards. The Office also coordinates with each participating Federal agency in developing a master release schedule of all program solicitations; publishes the Presolicitation Announcement quarterly, which contains pertinent facts on upcoming solicitations; and surveys and monitors program operations within the Federal Government and reports on the progress of the program each year to Congress.
The Office has four main objectives: to expand and improve SBIR; to increase private sector commercialization of technology developed through Federal research and development; to increase small business participation in Federal research and development; and to improve the dissemination of information concerning SBIR, particularly with regard to participation by women-owned small business concerns and by socially and economically disadvantaged small business concerns. For further information, contact the Office of Technology. Phone, 202-205-6450. International Trade The Office of International Trade provides export financing to small businesses. It administers the Export Working Capital program, which provides short-term, transaction-specific financing for exporting, including pre-export financing of labor and materials, financing receivables generated from these sales, and standby letters of credit used as performance bonds or payment guarantees to foreign buyers.
The Office is a major participant in
For further information, contact the Office of the U.S. Export Assistance Center
International Trade. Phone, 202–205-6720. (USEAC) initiative, authorized by section Small Business Development Centers 202 of the Export Enhancement Act of Small Business Development Centers 1992. The Centers provide a single point provide counseling and training to of contact for all Federal export
existing and prospective small business promotion and finance programs in the owners. The Centers operate in every following cities: Atlanta, GA; Baltimore,
State, at approximately 950 locations MD; Boston, MA; Chicago, IL;
around the country, including Puerto Cleveland, OH; Dallas, TX; Denver, CO;
Rico, the U.S. Virgin Islands, and Guam. Detroit, MI; Long Beach, CA; Miami, FL; Each Center is a partner with the State New Orleans, LA; New York, NY;
government in economic development Philadelphia, PA; Seattle, WA; and; St.
activities to support and assist small Louis, MO. They integrate
businesses. The Office of Small Business representatives of the Department of Development Centers develops national Commerce, the Small Business
policies and goals in accordance with Administration, the Export-Import Bank
the Small Business Development Center of the United States, and the Agency for Act of 1980 (15 U.S.C. 631 note). It International Development to deliver establishes standards for the selection services directly and refer clients to
and performance of Centers; monitors appropriate public and private sector
compliance with applicable Office of partners.
Management and Budget circulars and The Office develops and recommends laws; and implements new approaches agency policy and procedures to
to improve operations of existing centers. effectively deliver the International Trade The Office is responsible for program, provides tools for SBA's
coordinating program efforts with other resource partners, and coordinates
internal activities of the Administration, activities with agency resource partners as well as with the activities of other and USEAC's to improve accessibility to Federal agencies, and maintains liaison its programs. The Office also coordinates with other Federal, State, and local with other Federal agencies under the agencies and private organizations auspices of the Trade Promotion
whose activities relate to Small Business Coordinating Committee (TPCC) to Development Centers. It also assesses ensure that trade promotion information how the program is affected by and trade events are communicated to substantive developments and policies in the small business community. The other areas of the agency, in other Office also works with agencies of the government agencies, and in the private TPCC in coordinating and facilitating sector. trade between the U.S. small business
For further information, contact the Office of Small community and businesses and
Business Development Centers. Phone, 202-205governments of other countries.
Field Offices Small Business Administration
Officer in Charge
BOSTON, MA (RO)
Augusta, ME (DO)
Springfield, MA (BO)
Buffalo, NY (DO)
Suite 812, 10 Causeway St., 02110
Leroy G. Perry
JOAnn Van Vechten
Thomas M. Bettridge
James J. Cristotaro
617-565-8415 207-622-8378 617-565–5561 603-225-1400 203-240_4700 802-828-4422 401-528–4561 413-785-0268 212-264-1450 716-551-4305 607-734-8130 809-766-5572