congressman honda's small business resource guide

SmallBusinessResourceGuide

U.S.REPRESENTATIVEMIKEHONDACalifornia’s17thCongressionalDistrict

March2016

The Office ofCongressmanMikeHonda

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TableofContentsIntroduction ............................................................................................................................................................................ 4

CongressmanHondaServicesforSmallBusinesses .............................................................................................................. 5

LettersofSupportfromCongressmanHonda .................................................................................................................... 5

GrantLetterRequestForm ................................................................................................................................................. 6

Casework ............................................................................................................................................................................. 7

SmallBusinessResources .................................................................................................................................................... 8

FederalSupport ...................................................................................................................................................................... 9

SmallBusinessLoans ........................................................................................................................................................... 9

1) 7(a)LoanProgram ................................................................................................................................................... 9

2) CDC/504Loan ........................................................................................................................................................ 10

3) DisasterLoan ......................................................................................................................................................... 10

4) ExportExpressLoans ............................................................................................................................................. 11

5) ExportTransactionFinancing ................................................................................................................................ 11

6) InternationalTradeLoans ..................................................................................................................................... 12

7) MilitaryReservistsLoan ........................................................................................................................................ 12

8) PatriotExpress&PilotPrograms .......................................................................................................................... 13

9) Microloans ............................................................................................................................................................. 13

TechnicalSupportandDevelopmentPrograms ................................................................................................................ 15

1) SiliconValleyBusinessSourceCenters .................................................................................................................. 15

2) SmallBusinessDevelopmentCenters(SBDCS) ..................................................................................................... 16

3) Women’sBusinessCenters ................................................................................................................................... 16

4) DepartmentofDefenseProcurementTechnicalAssistanceProgram(PTAP) ...................................................... 16

5) SiliconValleyServiceCorpsofRetiredExecutives(SCORE) .................................................................................. 17

CapitalAccessPrograms .................................................................................................................................................... 18

1) SmallBusinessAdministrationPrograms .............................................................................................................. 18

TaxIncentives .................................................................................................................................................................... 20

1) AlternativeMinimumTaxExemption ................................................................................................................... 20

2) AmortizationofBusinessStart-UpCosts .............................................................................................................. 21

3) NetOperatingLosses ............................................................................................................................................. 21

4) PartialExclusionofCapitalGainsonCertainSmallBusinessStock ...................................................................... 21

5) LossesonSmallBusinessInvestmentCompanyStockTreatedasOrdinaryLosseswithoutLimitation .............. 221 |Page Small BusinessResourceGuide


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6) RolloverofGainsintoSpecializedSmallBusinessStock ....................................................................................... 22

7) UniformCapitalizationofInventoryCosts ............................................................................................................ 23

8) SimplifiedDollar-ValueLIFOAccountingMethodforSmallFirms ........................................................................ 23

9) TaxCreditforPensionPlanStar-UpCostsofSmallFirms ..................................................................................... 23

10) TaxCreditforCostofMakingaBusinessMoreAccessibletotheDisabled ..................................................... 24

GrantPrograms ................................................................................................................................................................. 25

SmallBusinessAdministration .......................................................................................................................................... 25

1) SmallBusinessInnovationResearchAwards(SBIR) .............................................................................................. 25

2) SmallBusinessTechnologyTransfer(STTR)Awards ............................................................................................. 26

UnitedStatesDepartmentofTransportation ................................................................................................................... 27

1) ProcurementAssistanceDivision .......................................................................................................................... 27

LocalFundingOpportunities. ............................................................................................................................................... 30

CaliforniaSmallBusinessLoans ......................................................................................................................................... 30

1) CaliforniaIndustrialDevelopmentFinancingAdvisoryCommission(CIDFAC)Programs ..................................... 30

2) IndustrialDevelopmentRevenueBond(IDB)Program ........................................................................................ 31

3) RecyclingMarketDevelopmentZone(RMDZ)RevolvingLoanProgram .............................................................. 32

4) ReplacementofUndergroundStorageTank(RUST)Program–Loans ................................................................. 33

5) CaliforniaCapitalAccessProgram(CalCAP) .......................................................................................................... 34

6) SmallBusinessLoanGuaranteeProgram .............................................................................................................. 34

7) SmallBusinessPollutionControlTax-ExemptBondFinancingProgram .............................................................. 35

CaliforniaTechnicalSupportandDevelopmentProgramsforSmallBusiness ................................................................. 37

1) CaliforniaGetYourBusinessOnline ...................................................................................................................... 37

2) BusinessMatchmaking .......................................................................................................................................... 37

3) SiliconValleyServiceCoreofRetiredExecutives(SCORE) .................................................................................... 38

4) DisabledVeteranBusinessEnterprise(DVBE)andSmallBusiness(SB)CertificationPrograms .......................... 38

5) DisadvantagedBusinessPrograms ........................................................................................................................ 39

CaliforniaSmallBusinessTaxIncentives ........................................................................................................................... 41

1) EnterpriseZoneProgram ...................................................................................................................................... 41

2) LocalAgencyMilitaryBaseRecoveryArea(LAMBRA) .......................................................................................... 43

3) OtherTaxIncentives .............................................................................................................................................. 44

CaliforniaSmallBusinessGrants ....................................................................................................................................... 45

1) InnovativeCleanAirTechnologies(ICAT)Program ............................................................................................... 45

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2) ElectricProgramInvestmentCharge(EPIC) .......................................................................................................... 45

3) TheBuyCaliforniaInitiative .................................................................................................................................. 46

4) TireGrantProgram ................................................................................................................................................ 47

5) ReplacementofUndergroundStorageTanks(RUST)Program–Grants .............................................................. 48



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Introduction

DearFriend,

Smallbusinessesaretheengineofoureconomy–that’swhyI’mproudtosupportsmallbusinessesasyourMemberofCongress.AstheLeadDemocraticMemberoftheCommerce,Justice,ScienceAppropriationsSubcommittee,I’mworkingtoboostsupportfortheDepartmentofCommerce’sworktocreatetheconditionsforeconomicgrowthandopportunity.

HittingthegroundrunningonthefirstweekofthisCongress,Iintroducedfourbillsdesignedtohelpstart-upand

smallbusinessescreatejobsastheyworktofurtherexpandSiliconValley’sinnovationeconomy.Companiesonthebrinkofbreakthroughsthatwillimprovethelivesofmillionsofpeopleneedassistancetostayinbusinessuntiltheycanbeginturningaprofitontheirinnovations.Thejobsthesebusinessescreatewillhelpreducetheincomeinequalitythatishurtingouroveralleconomy.

Additionally,myjobistoserveyouasaliaisonwiththefederalgovernment–oftentolesserknownresources.My

officesinSantaClara,CAandWashington,D.C.arebothavailabletoassistyou,whetherit'sfollowinguponapendingvisaapplication,resolvingdifficultieswithshipmentsincustoms,inquiringaboutfederalloansorregulations,orprovidingaletterofsupportwhenyouareseekingafederalgrant.Mystaffcanconnectyouwithfederalresourcesandagenciesthatassistsmallbusinessesandentrepreneursonarangeofissues,includingbusinessregulations,financing,governmentcontracting,exportassistance,andoverseasinvestmentopportunities.

Caseinpoint:MystaffhelpedMark,aCA17resident,aftertheIRSerroneouslylevieda$34,000taxagainsthisclosedcompany.WeworkedwiththeIRSforfourmonthsuntilhisentirepenaltywasabated.WealsohelpedMaria,alawfulpermanentresident,whenhersonswerestillpetitioningtobecomelawfulpermanentresidents.MystaffinquiredandMaria’ssonsimmediatelyreceivedemploymentauthorizationandwereabletostartwork.YoucancontinuetocountonmyservicesandcommitmenttolegislationtosupporttheentrepreneurialspiritanddynamiceconomyofSiliconValley.

FormoreinformationonhowIcanhelpyourbusiness,

pleasevisithttp://honda.house.gov/services/business-assistanceSincerely,

MikeHondaU.S.HouseofRepresentatives



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CongressmanHondaServicesforSmallBusinesses

LettersofSupportfromCongressmanHonda

WhileCongressmanHondadoesNOTdecidewhichorganizationsareawardedgrantsorotherfederalfunding,thereareinstancesinwhichitisappropriatefortheCongressmantowritealetterofsupportforanapplication.Ifyouwishtorequestaletterofsupportforyourapplication,youmustsupplyCongressmanHondawiththefollowing:

1. Adescriptionofyourorganization,2. Asummaryoftheapplication,3. Adescriptionofwhatthemoneywillbeusedfor,and4. Adraftletterofsupport

Pleasesendthisinformationviatheformonpage6(GrantLetterRequestForm)toHonda.district@mail.house.govorbymailtoeitherourdistrictofficeorourofficelocatedinWashington,DC:

Washington,DCOffice1713LongworthHouseOfficeBuildingWashington,DC20515Phone:202-225-2631Fax:(202)225-2699

DistrictOffice900LafayetteStreet,Suite206SantaClara,CA95050Phone:(408)436-2720Fax:(408)436-2721



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GRANTLETTERREQUESTFORM

Requestswillbereviewedwithintwobusinessdays.Ifapproved,grantsupportlettersaretypicallyavailablewithin5businessdaysYouMUSTprovideadraftgrantsupportletteratthetimeoftherequest.

GrantApplicantInformation

• Organization/Agency: • ContactPerson/Title: • Address: • Telephone: • Fax: • Email:

GrantorInformation

• Organization/Agency: • ContactPerson/Title: • Address: • Telephone: • Fax: • Email:

GrantInformation

• TitleofGrant:

• TitleofProject/Program:

• AmountRequested: • BriefDescriptionofProject/Program:

• TargetCommunity(Whowillbeserved?):

MailingInstructionsSendletterto: Grantor GranteeMethod: USMail Fax Email(scanned)Pickup Other Address(ifdifferentthanabove): GrantApplicationDeadline: GrantLetterReceiptDeadline: AdditionalInformation



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Casework

Ifyouhaveencounteredaprobleminvolvingafederalgovernmentagencyorfederallysubsidizedbenefitthatyouhavenotbeenabletosuccessfullyresolve,CongressmanHonda’sstaffofconstituentliaisonsmaybeabletoassistyouinthefollowingareas:

EmploymentIssues:includingassistancewithdisabilitybenefits,employer-providedhealthcareplansandCOBRA,FamilyMedicalLeaveAct(FMLA)benefits,pensions,unemploymentbenefits,FederalandStateWorkersCompensationclaimsandretirement-relatedissues.

ConsumerAffairs:includingassistanceobtainingahomeloanmodificationundertheMakingHomeAffordableProgram,insuranceclaims,dissatisfactionwithconsumerproductsorservices,environmentalregulationsandconcernsregardingairquality,waterorlandcontamination.

ImmigrationIssues:includingissueswithvisitorvisas,familyandemploymentbasedvisas,lawfulpermanentresidentstatus,naturalization,internationaladoptions,detention,passports,customsandborderissuesandassistancetoAmericanCitizensincrisisabroad.

VeteranIssues:includingissueswithVApensionanddisabilitybenefits,educationbenefits,veteranburialorfuneralissuesandissuesregardingtheVAmedicalcenters.

IRSIssues:includingconnectingconstituentswiththeTaxpayerAdvocateServicetoaddressfederaltaxissuesincludinglostordelayedtaxrefunds,penaltyabatements,paymentinstallationplans,taxcredits,referralstoIRSLowIncomeTaxClinicsandpapertaxforms.

MilitaryIssues:includingissuespertainingtotheDepartmentofDefense,Army,Navy,MarineCorps,AirForce,CoastGuard,ReservesandCaliforniaNationalGuard,aswellasobtainingmilitaryrecords,medalsandacademynominations.

HealthCareIssues:includingissueswithMedicareandMedicaid,healthinsurance,insuranceproviders,nursinghomes,hospitals,andprescriptiondrugs.

SocialSecurity:includingissueswithSupplementalSecurityIncome,SocialSecurityDisability,survivors’benefits,andretirementbenefits.

SocialServices:includingissueswithfoodstamps,HEAP(low-incomeheatingprogram),FEMAanddisasterrelief,andissuesrelatedtofederallysubsidizedhousing.

Pleasevisitthe“Services”sectionofwww.honda.house.govorcall(408)436-2720forfurtherinformation.Pleasenotethatifyouareseekingassistancewithacasethatinvolvesalawsuitorlitigation,HouseRulesprohibittheOfficeofCongressmanHondafromgivinglegaladviceorinterveningintheproceeding.



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SmallBusinessResources

1. ForSmallBusinessresourcesspecifictoCalifornia,includinginformationonstartingorexpandingbusiness,pleasevisit:http://business.ca.gov/Programs/SmallBusiness.aspx

2. Formoreinformationonfederalsmallbusinessloans,pleasevisit:https://www.sba.gov/content/what-sba-

offers-help-small-businesses-grow3. Forveteranslookingforbusinessassistance,pleasevisittheVeteransBusinessOutreachCenterat:

http://www.vbocix.org/



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FederalSupport

SmallBusinessLoans

1) 7(a)LoanProgramØ The7(a)LoanProgramisSBA’sprimaryprogramtohelpstart-upandexistingsmallbusinessesobtain

financingwhentheymightnotbeeligibleforbusinessloansthroughnormallendingchannels.Thenamecomesfromsection7(a)oftheSmallBusinessAct,whichauthorizesSBAtoprovidebusinessloanstoAmericansmallbusinesses.SBAitselfdoesnotmakeloans,butratherguaranteesaportionofloansmadeandadministeredbycommerciallendinginstitutions.

AdditionalInformation:

Ø 7(a)loansarethemostbasicandmostcommonlyusedtypeofloans.Theyarealsothemostflexible,sincefinancingcanbeguaranteedforavarietyofgeneralbusinessproposals,includingworkingcapital,machineryandequipment,furnitureandfixtures,landandbuilding(includingpurchase,renovationandnewconstruction),leaseholdimprovements,anddebtrefinancing(underspecialconditions).

Ø All7(a)loansareprovidedbylenderswhoarecalledparticipantsbecausetheyparticipatewithSBAinthe7(a)program.Notalllenderschoosetoparticipate,butmostAmericanbanksdo.Therearealsosomenon-banklenderswhoparticipatewithSBAinthe7(a)program,whichexpandstheavailabilityoflendersmakingloansunderSBAguidelines.

Eligibility:

Ø Theeligibilityrequirementsaredesignedtobeasbroadaspossibleinorderforthislendingprogramtoaccommodatethemostdiversevarietyofsmallbusinessfinancingneeds.AllbusinessesthatareconsideredforfinancingunderSBA’s7(a)loanprogrammust:meetSBAsizestandards,befor-profit,notalreadyhavetheinternalresources(businessorpersonal)toprovidethefinancingandbeabletodemonstraterepayment.

Ø Eligibilityfactorsforall7(a)loansinclude:size,typeofbusiness,useofproceedsandtheavailabilityoffundsfromothersources.

ContactInformation:

Ø Formoreinformation,pleasevisit:https://www.sba.gov/loans-grants/see-what-sba-offers/sba-loan-programs/7a-loan-program


The Office ofCongressmanMikeHonda Page|10

2) CDC/504LoanØ TheCDC/504Loanprogramisalong-termfinancingtoolforeconomicdevelopmentwithinacommunity.

The504Programprovidesgrowingbusinesseswithlong-term,fixed-ratefinancingformajorfixedassets,suchaslandandbuildings.ACertifiedDevelopmentCompany(CDC)isanonprofitcorporationsetuptocontributetotheeconomicdevelopmentofitscommunity.CDCsworkwiththeSBAandprivate-sectorlenderstoprovidefinancingtosmallbusinesses.Thereareabout270CDCsnationwide,witheachcoveringaspecificgeographicarea.


Ø Proceedsfrom504loansmustbeusedforfixedassetprojectssuchas:purchasinglandandimprovements,includingexistingbuildings,grading,streetimprovements,utilities,parkinglotsandlandscaping;constructionofnewfacilities,ormodernizing,renovatingorconvertingexistingfacilities;orpurchasinglong-termmachineryandequipment.The504Programcannotbeusedforworkingcapitalorinventory,consolidatingorrepayingdebt,orrefinancing.

Ø Interestrateson504loansarepeggedtoanincrementabovethecurrentmarketrateforfive-yearand10-yearU.S.Treasuryissues.Maturitiesof10and20yearsareavailable.Feestotalapproximatelythree(3)percentofthedebentureandmaybefinancedwiththeloan.

Eligibility:

Ø Tobeeligible,thebusinessmustbeoperatedforprofitandfallwithinthesizestandardssetbytheSBA.Underthe504Program,thebusinessqualifiesassmallifitdoesnothaveatangiblenetworthinexcessof$7.5millionanddoesnothaveanaveragenetincomeinexcessof$2.5millionaftertaxesfortheprecedingtwoyears.Loanscannotbemadetobusinessesengagedinspeculationorinvestmentinrentalrealestate.

ContactInformation:

Ø Formoreinformation,pleasevisit:https://www.sba.gov/loans-grants/see-what-sba-offers/sba-loan-programs/cdc-504

Ø Telephone:(800)827-5722

3) DisasterLoanØ Ifyouareinadeclareddisasterareaandarethevictimofadisaster,youmaybeeligibleforfinancial

assistancefromtheU.S.SmallBusinessAdministration(SBA)-evenifyoudon'townabusiness.Asahomeowner,renterand/orpersonal-propertyowner,youmayapplytotheSBAforaloantohelpyourecoverfromadisaster.


Ø PersonalPropertyLoan:Thisloancanprovideahomeownerorrenterwithupto$40,000tohelprepairorreplacepersonalproperty,suchasclothing,furniture,automobiles,etc.,lostinthedisaster.Asaruleofthumb,personalpropertyisanythingthatisnotconsideredrealestateorapartoftheactualstructure.Thisloanmaynotbeusedtoreplaceextraordinarilyexpensiveorirreplaceableitems,suchasantiques,collections,pleasureboats,recreationalvehicles,furcoats,etc.

Ø RealPropertyLoan:Ahomeownermayapplyforaloanofupto$200,000torepairorrestoretheirprimaryhometoitspre-disastercondition.Theloanmaynotbeusedtoupgradethehomeormakeadditionstoit.If,however,cityorcountybuildingcodesrequirestructuralimprovements,theloanmaybeusedtomeettheserequirements.Loansmaybeincreasedbyasmuchas20percenttoprotectthedamagedrealpropertyfrompossiblefuturedisastersofthesamekind.

ContactInformation:



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Ø Formoreinformationpleasevisit:https://www.sba.gov/loans-grants/see-what-sba-offers/sba-loan-programs/disaster

Ø Telephone:(800)827-5722

4) ExportExpressLoansØ TheSBAExportExpressprogramprovidesexportersandlendersastreamlinedmethodtoobtainSBAbacked

financingforloansandlinesofcreditupto$250,000.Lendersusetheirowncreditdecisionprocessandloandocumentation;exportersgetaccesstotheirfundsfaster.TheSBAprovidesanexpeditedeligibilityreviewandprovidesaresponseinlessthan24hours.


Ø SBAExportExpressloansareavailabletobusinessesthatmeetthenormalrequirementsforanSBAbusinessloanguaranty.Financingisavailableformanufacturers,wholesalers,exporttradingcompaniesandserviceexporters.Loanapplicantsmustdemonstratethattheloanproceedswillenablethemtoenteranewexportmarketorexpandanexistingexportmarket.Applicantsmusthavebeeninbusiness,thoughnotnecessarilyinexporting,foratleast12months.

Ø TheSBAdoesnotestablishorsubsidizeinterestratesonloans.Interestratesarenegotiatedbetweentheborrowerandthelender,butmayneverexceedSBAinterestratecaps.Ratescaneitherbefixedorvariable,andaretiedtotheprimerateaspublishedinTheWallStreetJournal.

ContactInformation:

Ø SanFrancisco(Territory:NorthernCalifornia)JeffDeissInternationalTradeFinanceManger,WesternUSOfficeofInternationalTrade,SBA

U.S.SmallBusinessAdministration50FremontStreet,Suite2450SanFrancisco,CA94105Tel:415-744-7730Fax:202-292-3534Email:[email protected]

Ø MoreInformation:https://www.sba.gov/content/export-express-loan-program

5) ExportTransactionFinancingØ SBA’sExportWorkingCapitalProgram(EWCP)loansaretargetedforbusinessesthatareabletogenerate

exportsalesandneedadditionalworkingcapitaltosupportthesesales.SBA’saimfortheEWCPprogramistoensurethatqualifiedsmallbusinessexportersdonotloseviableexportsalesduetoalackofworkingcapital.


Ø Applicationismadedirectlytolenders.InterestedbusinessesareencouragedtocontacttheSBAstaffataU.S.ExportAssistanceCenter(USEAC)todiscusswhethertheyareeligiblefortheEWCPprogramandwhetheritistheappropriatetooltomeettheirexportfinancingneeds.Theparticipatinglendersreview/approvetheapplicationsandsubmittherequesttotheSBAstaffattheUSEAClocationservicingtheexporters’geographicalterritory.



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Ø ThemaximumEWCPlineofcredit/loanamountis$2million.Participatingbanksreceivea90%SBAguarantyprovidedthatthetotalSBAguaranteedportiontotheborrowerdoesnotexceed$1.5million.InthoseinstanceswheretheSBAguaranteedportionreachesthe$1.5millioncap,bankscanstillgeta90%guarantythankstoaco-guarantyprogrambetweenSBAandtheExport-ImportBankoftheUnitedStates(EXIM).

Ø TheSBAdoesnotestablishorsubsidizeinterestratesonloans.Theinterestratecanbefixedorvariableandisnegotiatedbetweentheborrowerandtheparticipantlender.

ContactInformation:

Ø Phone:(800)827-5722Email:[email protected]

6) InternationalTradeLoansØ TheSBAInternationalTradeLoanprogramisatermloandesignedforbusinessesthatplantostart/continue

exportingorthosethatthathavebeenadverselyaffectedbycompetitionfromimports.TheproceedsoftheLoanmustenabletheborrowertobeinabetterpositiontocompete.


Ø EligibleBusinessesSmallbusinessesthatareinapositiontoexpandexistingexportmarkets/developnewexportmarketsorsmallbusinessesthathavebeenadverselyaffectedbyinternationaltradeandcandemonstratethattheLoanproceedswillimprovetheircompetitivepositionareeligibleforInternationalTradeLoans

Ø LoanAmountThemaximumgrossamount($2million)andSBA-guaranteedamount($1.5million)foranInternationalTradeLoanisthesameasaregular7(a)loan.However,thereisanexceptiontothemaximumSBA7(a)guarantyamounttooneborrower.WhenthereisanInternationalTradeloanandaseparateworkingcapitalloan,themaximumSBAguarantyonthecombinedloanscanbeupto$1.75millionaslongastheSBAguarantyontheworkingcapitalloandoesnotexceed$1,250,000.

Ø InterestRateTheSBAdoesnotestablishorsubsidizeinterestratesonloans.Interestratesarenegotiatedbetweentheborrowerandthelender,subjecttoSBAcaps.Ratescaneitherbefixedorvariable,andaretiedtotheprimerateaspublishedinTheWallStreetJournal.Forloansgreaterthan$50,000andmaturityinexcessof7years,lendersmaychargeupto2.75percentoverprimerate.

ContactInformation:

Ø Formoreinformation,pleasevisit:https://www.sba.gov/content/international-trade-loanØ Phone:(800)827-5722

7) MilitaryReservistsLoanØ ThepurposeoftheMilitaryReservistEconomicInjuryDisasterLoanprogram(MREIDL)istoprovidefundsto

aneligiblesmallbusinesstomeetitsordinaryandnecessaryoperatingexpensesthatitcouldhavemet,butisunabletomeet,becauseanessentialemployeewas"called-up"toactivedutyintheirroleasamilitaryreservist.

Ø Theseloansareintendedonlytoprovidetheamountofworkingcapitalneededbyasmallbusinesstopayitsnecessaryobligationsastheymatureuntiloperationsreturntonormalaftertheessentialemployeeisreleasedfromactivemilitaryduty.Thepurposeoftheseloansisnottocoverlostincomeorlostprofits.MREIDLfundscannotbeusedtotaketheplaceofregularcommercialdebt,torefinancelong-termdebtortoexpandthebusiness.



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Ø FederallawrequiresSBAtodeterminewhethercreditinanamountneededtoaccomplishfullrecoveryisavailablefromnon-governmentsourceswithoutcreatinganunduefinancialhardshiptotheapplicant.Thelawcallsthiscreditavailableelsewhere.Generally,SBAdeterminesthatover90%ofdisasterloanapplicantsdonothavesufficientfinancialresourcestorecoverwithouttheassistanceoftheFederalgovernment.BecausetheMilitaryReservisteconomicinjuryloansaretaxpayersubsidized,CongressintendedthatapplicantswiththefinancialcapacitytofundtheirownrecoveryshoulddosoandthereforearenoteligibleforMREIDLassistance.


Ø Thelawauthorizesloantermsuptoamaximumof30years.SBAdeterminesthetermofeachloaninaccordancewiththeborrower'sabilitytorepay.Basedonthefinancialcircumstancesofeachborrower,SBAdeterminesanappropriateinstallmentpaymentamount,whichinturndeterminestheactualterm.

Ø LoanAmountLimit-$2,000,000:Theactualamountofeachloan,uptothismaximum,islimitedtotheactualeconomicinjuryascalculatedbySBA,notcompensatedbybusinessinterruptioninsuranceorotherwise,andbeyondtheabilityofthebusinessand/oritsownerstoprovide.Ifabusinessisamajorsourceofemployment,SBAhasauthoritytowaivethe$2,000,000statutorylimit.

ContactInformation:

Ø Phone:(800)827-5722Email:[email protected]:https://www.sba.gov/content/military-reservists-economic-injury-loans

8) SBAExpressProgramØ TheSBAExpressloanisofferedbySBA’snetworkofparticipatinglendersnationwideandfeaturestheir

fastestturnaroundtimeforloanapprovals—about36hours.Loansareavailableupto$350,000andqualifyforSBA’smaximumguarantyofupto50percentforloansof$150,000orless.


Ø TheSBAanditsresourcepartnersarefocusingadditionaleffortsoncounselingandtrainingtoaugmentthisloaninitiative.

EligibleApplicants:

Ø LoansmadeunderthisprogramgenerallyfollowSBA’sstandardsforthe7(a)LoanProgram

ContactInformation:Ø MoreInformation:https://www.sba.gov/content/sba-express

9) MicroloansØ TheMicroloanProgramprovidessmall,short-termloanstostart-up,newlyestablished,orgrowingsmall

businessconcerns.Underthisprogram,SBAmakesfundsavailabletononprofitcommunity-basedlenders(intermediaries)which,inturn,makeloanstoeligibleborrowersinamountsuptoamaximumof$50,000.Theaverageloansizeisabout$13,000.Applicationsaresubmittedtothelocalintermediaryandallcreditdecisionsaremadeonthelocallevel.



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AdditionalInformation:Ø Themaximumtermallowedforamicroloanissixyears.However,loantermsvaryaccordingtothesizeof

theloan,theplanneduseoffunds,therequirementsoftheintermediarylender,andtheneedsofthesmallbusinessborrower.

ContactInformation:

Ø MoreInformation:https://www.sba.gov/offices/headquarters/ofa/resources/11432



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TechnicalSupportandDevelopmentPrograms

1) SmallBusinessDevelopmentCenters(SBDC)Ø SBDCsprovidefreeorlow-costassistancetosmallbusinessesusingprogramscustomizedtolocal

conditions.TheSBDCalsofocusesonprojectsthatadvancethejobdevelopment,investmentandeconomicgrowthprioritiesofCalifornia,withanemphasisonmanufacturers,exportersandtechnology-orientedfirms.


Ø SBDCssupportsmallbusinessinmarketingandbusinessstrategy,finance,technologytransfer,governmentcontracting,management,manufacturing,engineering,sales,accounting,exporting,andothertopics.SBDCsarefundedbygrantsfromtheSBAandmatchingfunds.Therearemorethan1,100SBDCswithatleastoneineverystateandterritory.

ContactInformation:

Ø SiliconValleySBDCatEnterpriseFoundation480North1stStreet,Suite210SanJose,CATelephone:(408)248-4800Fax:(408)385-9156Website:http://svsbdc.org

Ø SBATelephone:(800)732-7232MoreInformation:https://www.sba.gov/tools/local-assistance/sbdc

Ø AlamedaCountySBDCatOfficesofOBDC

2101WebsterStreet,Suite1200Oakland,CA94612Telephone:(510)208-0410Website:http://acsbdc.org/

Ø SBDCHispanicSatelliteatEnterpriseFoundation480North1stStreet,Suite210SanJose,CATelephone:(408)248-4800Fax:(408)385-9156Website:http://sbdchc.org/



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2) SBAWomen’sBusinessCentersTheSBAWomen’sBusinessCenter(WBC)isdedicatedtotrainingandassistingwomeninbusinessorthosewhowanttostartupabusiness.ThisCenterprovidesavarietyofbusinessskillsandongoingtechnicalassistancetowomeninthirty-fourcounties.WBCsaresimilartoSmallBusinessDevelopmentCenters,excepttheyconcentrateonassistingwomenentrepreneurs.Programsincludemicroenterprisedevelopmentandassetbuilding,financialliteracy,loansandcredit,one-on-onetechnicalassistance,andBusinessActionCircles.

ContactInformation:

Ø AnewAmerica210N4thStreet,Suite205SanJose,CA95112Phone:408-326-2669Fax:408-645-5972

Ø JanetGarciaAdministrativeAssistantPhone:[email protected]

3) DepartmentofDefenseProcurementTechnicalAssistanceProgram(PTAP)Ø ProcurementTechnicalAssistanceCentersarealocalresource,availableatnoornominalcost,thatcan

provideassistancetobusinessesinmarketingproductsandservicestotheFederal,stateandlocalgovernments.

ContactInformation:

Ø CaliforniaCFDC–PTAC1792TributeRoad,Suite270Sacramento,CA95815Telephone:916-442-1729Website:http://www.cacapital.org/



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4) ServiceCorpsofRetiredExecutives(SCORE)Ø TheServiceCorpsofRetiredExecutives(SCORE)usesover11,000volunteerstobringpracticalexperienceto

start-upsmallbusinessandtothosethinkingaboutstartinganewsmallbusiness.SCOREprovidesmentoringandworkshops.

ContactInformation:

Ø SiliconValleySCORE234EastGishRoad,Suite100SanJose,CA95112Telephone:(408)453-6237MoreInformation:http://www.svscore.org/

5) MinorityBusinessDevelopmentAgencyØ SanJoseMBDABusinessCenterisafederallyfundedprojectbyTheU.S.DepartmentofCommerce’s

MinorityBusinessDevelopmentAgency(MBDA),andASIAN,Inc.ofSanFrancisco.Ø TheSanJoseMBDABusinessCenterisanentrepreneurially-focusedprogram;Theirprimaryobjectiveisto

assisttheintegrationandparticipationoftheminority-ownedbusinesscommunityinthenation’seconomicgrowth.Understandingthatthisisataskthatrequiressynergiesbeyondtheeffortsofasingleorganization,wehaveestablishedaprivate/public,multi-industry-sectornetworkofbuyers,suppliersandserviceprovidersthatresultsinaholistic,addedvaluebusinessservicetoourpartnersandclients.

ContactInformation:

Ø SanJoseMBDABusinessCenter3031Tischway,Suite80SanJose,CA95128Telephone:(408)998-8058MoreInformation:http://www.mbda.gov/businesscenters/sanjose



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CapitalAccessPrograms

1) SmallBusinessAdministrationProgramsØ SmallBusinessInvestmentCompanies(SBICs)

SBICsareprivatelyownedcompaniesthatarelicensedbytheSBAtoprovidedebtandequitycapitaltosmallbusinesses.TheycanobtainloansfromtheSBAtosupplementtheirowncapital.

FortheSBICprogram,asmallbusinessisabusinesswithnetworthof$18millionorlessandanaverageafter-taxincomeforthetwoprecedingyearsof$6millionorless.Therearealternativesizestandardsinsomeindustries.TheSBICsellsadebenturetotheSBA,whichguaranteesrepaymentandcreatesapoolofthesedebenturesforresaleonthesecondarymarket.SBICscanborrowthreetimestheirprivatecapital,uptoamaximumof$113million.

Ø NewMarketVentureCapital

NewMarketVentureCapitalisaprogramthatencouragesequityinvestmentsinsmallbusinessesinlow-incomeareasthatmeetspecificstatisticalcriteriaestablishedbyregulation.Ataxcreditisavailableonacompetitivebasis.

ContactInformation:

Ø BayAreao AlpineInvestorsIVSBIC,LP

Contact:TaraGenstilTwoEmbarcaderoCenter,Suite2320SanFrancisco,CA94111Telephone: (415)392-9100Fax:(415)392-9101Email:[email protected]:http://www.alpine-investors.com



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o ChamplainCapitalPartnersII,L.P.Contact:DennisM.LearyOnePostStreetSuite925SanFrancisco,CA94104Phone:(415)228-4181Fax:(415)362-3211Email:[email protected]:http://www.champlaincapital.com

o HerculesTechnologyII,L.P.Contact:AndrewOlson400HamiltonAvenue,Suite310PaloAlto,CA94301Phone:(650)289-3072Fax:(650)473-9194Email:[email protected]:www.htgc.com

o NorwestStrategicCapital,L.P.PromodHaque525UniversityAvenue,Suite800PaloAlto,CA94301Phone:(850)321-8000Email:[email protected]: http://www.nvp.com

o TregaronOpportunityFundI,L.P.Contact:ToddCollins300HamiltonAvenue,4thFloorPaloAlto,CA94301Phone:(650)403-2084Fax:(650)618-2550Email:[email protected]: http://www.tregaroncapital.com

o RembrandtVenturePartnersII,L.P.Contact:GeraldS.Casilil600MontogomeryStreet44thFloorSanFrancisco,CA94111-2819Phone:(650)326-7070Email:[email protected]: http://www.rembrandtvc.com

Ø Washington,DCo Telephone:(202)205-6510E-mail:[email protected]

Website:https://www.sba.gov/content/sbic-directory



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TaxIncentives

Disclaimer:Theinformationprovidedisnotofferedaslegalortaxadvice.ExamplesoftaxbenefitsarebasedonthestatedIRSGuidelinesandonotherassumptionswhichmaynotapplytoyourpersonalsituation.Youshouldseektheadviceofyourtaxadvisor,attorney,and/orfinancialplanner.Allmaterialispresentedsolelyaseducationalinformation.

1) AlternativeMinimumTaxExemptionØ AsaresultoftheTaxpayerReliefActof1997(P.L.105-34),certainsmallcorporationshavebeenexempt

fromtheAMTsince1998.Ifacorporationlosesitseligibility,itbecomessubjecttotheAMTinthefirsttaxyearwhenitnolongerqualifiesfortheexemptionandineverytaxyearthereafter,regardlessoftheamountofitsgrossreceipts.


Ø ThereisreasontobelievethatthisexemptiongivessomeeligiblesmallcorporationswhatamountstoaslightcompetitiveadvantageovercomparablefirmspayingtheAMT.A1997studyestimatedthatfirmsthatinvestedheavilyinmachineryandequipmentandintangibleassetslikeresearchanddevelopment(R&D),financedthebulkoftheirinvestmentsthroughdebt,andpaidtheAMTforfiveormoresuccessiveyearshadahighercostofcapitalthancomparablefirmsthatpaidtheregularincometaxonlyinthesameperiod.

Ø Theexemptionalsoprovidesownersofsmallfirmswithanincentivetoincorporate,sincethetaxableincomeofpassthroughentitiesissubjecttotheindividualAMTthroughthetaxreturnsfiledbyindividualowners.

Eligibility:

Ø Eligibilityisdeterminedbyacorporation’saverageannualgrossreceiptsinthepreviousthreetaxyears.Allcorporationsformedafter1998areexemptfromtheAMTintheirfirstyearwithtaxableincome,regardlessofthesizeoftheirgrossreceipts.

Ø Theyremainexemptaslongastheiraverageannualgrossreceiptsdonotexceed$5millionintheirfirstthreetaxyears,andaslongastheiraverageannualgrossreceiptsdonotexceed$7.5millionineachsucceedingthree-yearperiod(e.g.,1999-2001,2000-2002,etc.).

ContactInformation:

Ø Moreinformation:http://www.irs.gov/taxtopics/tc556.html



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2) AmortizationofBusinessStart-UpCostsØ UnderIRCSection195(asamendedbyP.L.108-357),businesstaxpayerswhoincurbusinessstart-upand

organizationalcostsafterOctober22,2004,areallowedtodeductupto$5,000ofthosecostsintheyearwhenthenewtradeorbusinessbegins.Thismaximumdeductionisreduced(butnotbelowzero)bytheamountbywhicheligibleexpendituresexceed$50,000.


Ø Businesstaxpayerswhoincurredorpaidbusinessstart-upandorganizationalcostsandthenenteredatradeorbusinessonorbeforeOctober22,2004,couldamortize(ordeductinequalannualamounts)thoseexpendituresovernotlessthanfiveyears,beginninginthemonthwhenthenewtradeorbusinesscommenced.

Ø Toqualifyforthecurrentdeduction,thestart-upandorganizationalcostsmustmeettworequirements.Theymustbepaidorincurredaspartofaninvestigationintocreatingoracquiringanactivetradeorbusiness,aspartofstartinganewtradeorbusiness,oraspartofanactivitydonetoproduceincomeorprofitbeforestartingatradeorbusinesswiththeaimofconvertingtheactivityintoanactivetradeorbusiness.

Ø Anyeligibleexpenditurethatcannotbedeductedmaybeamortizedover15years,beginninginthemonthwhenthenewtradeorbusinessbeginstoearnincome.Inordertoclaimthe$5,000deduction,ataxpayermusthaveanequityinterestinthenewtradeorbusinessandactivelyparticipateinitsmanagement.

ContactInformation:

Ø Moreinformation:http://www.irs.gov/publications/p535/ch08.html

3) NetOperatingLossesØ Afirmincursanetoperatingloss(NOL)fortaxpurposeswhenitsdeductionsexceeditsgrossincome.Asa

result,ithasnoincometaxliabilityinanNOLyear.AnNOLmaybeusedtoobtainarefundoftaxespaidinpreviousyearsortoreduceoroffsetfuturetaxliabilities.UnderIRCSection172(b),abusinesstaxpayerispermittedtocarryanNOLbacktoeachofthetwotaxyearsprecedingtheNOLyearandforwardtoeachofthe20taxyearsfollowingthatyear.


Ø AprovisionoftheAmericanRecoveryandReinvestmentActof2009extendedthecarrybackperiodforNOLstofiveyearsforeligiblefirmsthatincurredanNOLin2008.Onlyfirmswithaverageannualgrossreceiptsof$15millionorlessintheNOLyearandthetwoprevioustaxyearsmaytakeadvantageoftheextension.Theprovisionisintendedtobolsterthecashflowofsmallfirmsthathaveexperiencedasignificantlossofrevenueinthecurrentrecession.

ContactInformation:

Ø Formoreinformation,pleasevisit:https://www.irs.gov/publications/p334/ch09.html

4) PartialExclusionofCapitalGainsonCertainSmallBusinessStockØ Twoimportantconsiderationsindetermininganindividual’sincometaxliabilityaretherecognitionof

incomeasordinaryorcapitalandthedistinctionbetweenlong-termandshort-termcapitalgainsorlosses.

AdditionalInformation:Ø UnderIRCSection1202,non-corporatetaxpayers(includingpartnerships,LLCs,andScorporations)may

exclude50%ofanygainfromthesaleorexchangeofqualifiedsmallbusinessstock(QSBS)thathasbeen



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heldforoverfiveyears.Theexclusionrisesto60%iftheQSBShasbeenissuedbyaqualifiedcorporationbasedinanempowermentzone.AndunderaprovisionoftheARRA,itbecomes75%forQSBSacquiredfromFebruary18,2009,throughDecember31,2010,andheldforfiveyears.

Ø Thereisacumulativelimitonthegainfromstockissuedbyasinglequalifiedcorporationthatmaybeexcluded:inasingletaxyear,thegainislimitedtothegreaterof10timesthetaxpayer’sadjustedbasisofallQSBSissuedbythefirmandsoldorexchangedduringtheyear,or$10million—reducedbyanygainsexcludedbythetaxpayerinpreviousyears.Theremaininggainistaxedatafixedrateof28%.Asaresult,themarginaleffectivetaxrateoncapitalgainsfromthesaleorexchangeofQSBSheldlongerthanfiveyearsis14%:0.5x0.28.

Ø ForindividualssubjecttotheAMT,aportionoftheexcludedgainistreatedasanindividualAMTpreferenceitem,whichmeansthatitmustbeincludedinthecalculationofAMTtaxableincome.Theportionwas42%forQSBSacquiredonorbeforeDecember31,2000anddisposedofbyMay6,2003;28%forQSBSacquiredafterDecember31,2000anddisposedofbyMay6,2003;and7%forQSBSacquiredafterMay6,2003anddisposedofbyDecember31,2008.

Ø Toqualifyforthepartialexclusion,smallbusinessstockmustsatisfycertainrequirements.First,itmustbeissuedafterAugust10,1993andmustbeacquiredbythetaxpayeratitsoriginalissue,eitherdirectlyorthroughanunderwriter,inexchangeformoney,property,orascompensationforservicesrenderedtotheissuingcorporation.Second,thestockmustbeissuedbyadomesticcorporationwhosegrossassetsdonotexceed$50millionbeforeandimmediatelyafterthestockisissued.Third,atleast80%ofthecorporation’sassetsmustbetiedtotheactiveconductofoneormorequalifiedtradesorbusinessesduring“substantiallyall”oftherequisitefive-yearholdingperiod.

5) LossesonSmallBusinessInvestmentCompanyStockTreatedasOrdinaryLosseswithoutLimitation

Ø UnderIRCSection1242,individualswhoinvestinsmallbusinessinvestmentcompanies(SBICs)arepermittedtodeductfromordinaryincomealllossesfromthesaleorexchangeorworthlessnessofstockinthesecompanies.Thistreatmentisintendedtofosterequityinvestmentinthesecompaniesbyloweringtheafter-taxlossonaninvestmentinanSBIC,relativetoafter-taxlossesonsimilarinvestments.


Ø SBICsareprivateregulatedinvestmentcorporationsthatarelicensedundertheSmallBusinessInvestmentActof1958toprovideequitycapital,long-termloans,andmanagerialguidancetofirmswithanetworthoflessthan$18millionandlessthan$6millioninaveragenetincomeovertheprevioustwoyears.

Ø TheyusetheirowncapitalandfundsborrowedatfavorableratesthroughSBAloanguaranteestomakeequityanddebtinvestmentsinqualifiedfirms.Fortaxpurposes,mostSBICsaretreatedasCcorporations.Therearenoknownestimatesoftherevenuelossassociatedwiththissmallbusinesstaxbenefit.

ContactInformation:

Ø Moreinformation:http://www.irs.gov/publications/p550/ch04.html

6) RolloverofGainsintoSpecializedSmallBusinessStockØ Individualandcorporatetaxpayerswhosatisfycertainconditionsareallowedtorollover,freeoftax,any

capitalgainsonthesaleofpubliclytradedsecurities.Theproceedsfromthesalemustbeusedtopurchasecommonstockorpartnershipinterestsinspecializedsmallbusinessinvestmentcompanies(SSBICs)licensedundertheSmallBusinessInvestmentActof1958within60daysofthesale.

Ø SSBICsaresimilartoSBICsexceptthatSSBICsarerequiredtoinvestinsmallfirmsownedbyindividualswhoareconsideredsociallyoreconomicallydisadvantaged—mainlymembersofminoritygroups.



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AdditionalInformation:Ø IftheproceedsfromthesaleexceedthecostoftheSSBICstockorpartnershipinterest,theexcessis

recognizedasacapitalgainandtaxedaccordingly.Thetaxpayer’sbasisintheSSBICstockorpartnershipinterestisreducedbytheamountofanygainfromthesaleofsecuritiesthatarerolledover.

Ø Themaximumgainanindividualcanrolloverinasingletaxyearisthelesserof$50,000or$500,000lessanygainspreviouslyrolledoverunderthisprovision.Forcorporations,themaximumdeferralinataxyearisthelesserof$250,000or$1millionlessanypreviouslydeferredgains.

7) UniformCapitalizationofInventoryCostsØ IRCSection1244allowstaxpayerstodeductanylossfromthesale,exchange,orworthlessnessofqualified

smallbusinessstockasanordinaryloss,ratherthanacapitalloss.Forbusinesstaxpayers,ordinarylossesaretreatedasbusinesslossesincomputinganetoperatingloss.


Ø Toqualifyforthistreatment,thestockmustmeetfourrequirements.First,itmustbeissuedbyadomesticcorporationafterNovember6,1978.

Ø Second,thestockmustbeacquiredbyanindividualinvestororapartnershipinexchangeformoneyorotherproperty,butnotstockorsecurities.

Ø Third,thestockmustbeissuedbyasmallbusinesscorporation,whichthestatutedefinesasacorporationwhosetotalamountofmoneyandpropertyreceivedasacontributiontocapitalandpaid-insurplustotalslessthan$1millionwhenitissuesthestock.

Ø Finally,duringthefivetaxyearsbeforealossonthestockisrecognized,thefirmmusthavederivedmorethan50%ofitsgrossreceiptsfromsourcesotherthanroyalties,rents,dividends,interest,annuities,andstockorsecuritytransactions.Themaximumamountthatmaybedeductedasanordinarylossinataxyearis$50,000(or$100,000foracouplefilingjointly).

8) SimplifiedDollar-ValueLIFOAccountingMethodforSmallFirmsØ LIFOoperatesontheassumptionthatthemostrecentlyacquiredgoodsaresoldbeforeallothergoods.

Consequently,LIFOassignsthenewestunitcoststothecostofgoodssoldandtheoldestunitcoststotheendinginventory.Themethodcanbeadvantageouswhenthecostofmanyinventoryitemsisrising,becauseityieldsalowertaxableincomeandinventoryvaluationthanothermethods.TherearevariouswaystoapplyLIFO.Awidelyusedapplicationisknownasthedollar-valuemethod.Underthismethod,ataxpayeraccountsforitsinventoriesonthebasisofapoolofdollarsratherthanspecificitems.


Ø IRCSection474,whichwasaddedtothetaxcodebytheTaxReformActof1986,allowseligiblesmallfirmstouseasimplifieddollar-valueLIFOmethod.Itdiffersfromtheregulardollar-valuemethodinthewayinwhichinventoryitemsarepooledandthetechniqueforestimatingthebase-yearvalueofthepools.Afirmiseligibletousethesimplifiedmethodifitsaverageannualgrossreceiptswere$5millionorlessinthethreeprevioustaxyears.

9) TaxCreditforPensionPlanStart-UpCostsofSmallFirmsØ UnderIRCSection45E,qualifiedsmallfirmsmayclaimanon-refundabletaxcreditforaportionofthestart-

upcoststheyincurinsettingupnewretirementplansforemployees.Thecredit,whichwasenactedaspartoftheEconomicGrowthandTaxReliefReconciliationActof2001,beganin2002andoriginallywasscheduledtodisappear(or“sunset”)after2010.ButaprovisionofthePensionProtectionActof2006permanentlyextendedthecredit.Itisacomponentofthegeneralbusinesscreditandthussubjecttoitslimitationsandrulesforcarryover.



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AdditionalInformation:Ø Thecreditisequalto50%ofthefirst$1,000ineligiblecostsincurredineachofthefirstthreeyearsa

qualifiedpensionisoperative.Eligiblecostsaredefinedastheordinaryandnecessaryexpensesincurredinadministeringtheplanandinformingemployeesabouttheplan’sbenefitsandrequirements.Qualifiedplansconsistofnewdefinedbenefitplans,definedcontributionplans,savingsincentivematchplansforemployees,andsimplifiedemployeepensionplans.

Eligibility:

Ø Thecreditgivesownersofsmallfirmsanincentivetoestablishpensionplansforemployeesbyloweringtheafter-taxcostofsettingupandadministeringtheseplansintheirfirstthreeyears.

Ø Firmswithfewerthan100employees,eachofwhomreceivedatleast$5,000incompensationinthepreviousyear,areeligibletoclaimthecredit

10) TaxCreditforCostofMakingaBusinessMoreAccessibletotheDisabledØ UnderIRCSection44,aneligiblesmallfirmmayclaimanon-refundablecreditforexpensesitincurstomake

itsbusinessmoreaccessibletodisabledindividuals.Thecreditisequalto50%oftheamountofeligibleexpendituresinataxyearover$250butnotgreaterthan$10,250.Inthecaseofapartnership,thisupperlimitappliesseparatelyatthepartnershiplevelandatthepartnerorindividuallevel;thesamedistinctionholdsinthecaseofasubchapterScorporation.ThedisabledaccesscreditisacomponentofthegeneralbusinesscreditunderIRCSection38andthussubjecttoitslimitations.


Ø Toqualifyforthecredit,afirmmustsatisfyoneoftworequirements:itsgrossreceipts(lessanyreturnsandallowances)intheprevioustaxyeartotalednomorethan$1million,oritemployednomorethan30personsonafull-timebasisduringthatyear.Aworkerisconsideredafull-timeemployeeifheorsheworksatleast30hoursaweekfor20ormoreweeksinacalendaryear.

Eligibility:

Ø QualifiedexpensesaredefinedastheamountsaneligiblesmallfirmpaysorincurstobringitsbusinessintocompliancewiththeAmericansWithDisabilitiesActof1990(ADA).Theymustbereasonableinamountandnecessaryinlightoflegalrequirements.Eligibleexpensesincludethoserelatedtoremovingarchitectural,communication,transportation,orphysicalbarrierstomakingabusinessaccessibletoorusablebydisabledindividuals;providinginterpretersorothereffectivemethodsofmakingmaterialsunderstandabletohearing-impairedindividuals;andsupplyingqualifiedreaders,tapedtexts,andothereffectivemethodsofmakingmaterialsunderstandabletovisuallyimpairedindividuals.



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GrantPrograms

SmallBusinessAdministration

1) SmallBusinessInnovationResearchAwards(SBIR)Ø SBIRawardsarecompetitivegrantstosmallbusinesses(500orfeweremployees)toresearchanddevelop

newideasforselectedgovernmentagencies.GovernmentagencieswiththelargestresearchbudgetsfundtheSBIRprogram.TheSBAcoordinatesandoverseestheSBIRprogrambutdoesnotprovidefundingfortheawards.


Ø PhaseIgrantsallowacompanytodetermineifanideahasscientificandtechnicalmeritandisfeasible.Ø PhaseIIevaluatestheidea’scommercialpotential.Ø PhaseIIIisprivatesectordevelopmentoftheidea.

ContactInformation:

Ø USSBARegionIX330N.BrandBlvd.,#1200Glendale,CA91203Telephone:(818)552-3436 Formoreinformation:https://www.sba.gov/offices/regional/ix

Ø USSBAOfficeofTechnology409ThirdStreet,SWWashington,DC20416Telephone:(202)205-6450 Formoreinformation:http://www.sbir.gov/



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2) SmallBusinessTechnologyTransfer(STTR)AwardsØ TheSTTRprogramissimilartotheSBIRprogram,butitrequiresthesmallbusinesstoworkwithanonprofit

researchinstitute.TheSBAcoordinatesandoverseestheSTTRprogrambutdoesnotprovidefundingfortheawards.


Ø Followingsubmissionofproposals,agenciesmakeSTTRawardsbasedonsmallbusiness/nonprofitresearchinstitutionqualification,degreeofinnovation,andfuturemarketpotential.Smallbusinessesthatreceiveawardsthenbeginathree-phaseprogram.o PhaseIisthestartupphase.Awardsofupto$100,000forapproximatelyoneyearfundtheexploration

ofthescientific,technical,andcommercialfeasibilityofanideaortechnology.o PhaseIIawardsofupto$750,000,foraslongastwoyears,expandPhaseIresults.Duringthisperiod,

theR&Dworkisperformedandthedeveloperbeginstoconsidercommercialpotential.OnlyPhaseIawardwinnersareconsideredforPhaseII.

o PhaseIIIistheperiodduringwhichPhaseIIinnovationmovesfromthelaboratoryintothemarketplace.NoSTTRfundssupportthisphase.Thesmallbusinessmustfindfundingintheprivatesectororothernon-STTRfederalagencyfunding.

ContactInformation:

Ø Washington,DCo USSmallBusinessAdministration

OfficeofTechnology409ThirdStreet,SWWashington,DC20416Telephone:(202)205-6450Formoreinformation:http://www.sbir.gov/



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UnitedStatesDepartmentofTransportation

1) ProcurementAssistanceDivisionØ TheProcurementAssistanceDivisionisresponsibleforworkingcloselywitheachoftheOperating

Administrations'SmallBusinessspecialiststoensurethatadequateprocurementopportunitiesaremadeavailabletosmallbusinesses.BelowisalistingofSmallBusinessspecialistsineachOAwhoseprimaryroleistoserveasadvocatestosmallbusinesses.

ContactInformation:

Ø FederalAviationAdministration(FAA)o FredDendy

800IndependenceAvenue,SWRoom715Washington,DC20591Phone:(202)267-7454Email:[email protected]

Ø FederalHighwayAdministration(FHWA)o FrankWaltos

1200NewJerseyAvenue,SEWashington,DC20590Phone:(202)366-4205Email:[email protected]

Ø FederalMotorCarrierSafetyAdministration(FMCSA)o NathanWatters

1200NewJerseyAvenue,SESuiteW66-499Washington,DC20560Phone:(202)366-3036Fax:(202)385-2335Email:[email protected]

Ø FederalRailroadAdministration(FRA)o DanaL.Hicks

ContractSpecialistFederalRailroadAdministration1200NewJerseyAvenue,SEWashington,DC20590Phone:(202)493-6131Fax:(202)493-6171Email:[email protected]

Ø FederalTransitAdministration(FTA)o RobynJones

FTAOfficeofAcquisitionManagement1200NewJerseyAvenue,SE



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Washington,DC20590Phone:(202)366-0943Email:[email protected]

Ø MaritimeAdministrationo RitaC.Thomas


Ø NationalHighwayTransportationSafetyAdministrationo LloydS.Blackwell


Ø OfficeoftheSecretary(OST)o AmesOwens

OfficeoftheSecretaryAcquisitionServicesDivision1200NewJerseyAvenue,SEWashington,DC20590Phone:(202)366-9614Email:[email protected]

Ø PipelineandHazardousMaterialsSafetyAdministration(PHMSA)o JackieNaranjo

ContractSpecialistOfficeofAcquisitionServices,PHA-301200NewJerseyAvenue,SEEastBuilding,SecondFloorWashington,DC20590Phone:(202)366-4429Email:[email protected]

Ø ResearchandInnovativeTechnologyAdministration(RITA)o PhaedraJohnson

OfficeoftheSecretaryAcquisitionServicesDivision1200NewJerseyAvenue,SEWashington,DC20590Phone:(202)366-0742Email:[email protected]

Ø RITA-VOLPEo PeterKontakos

SmallBusinessSpecialist



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USDOT/RITA/VolpeCenterOfficeofAcquisitions,RVP-3155BroadwayCambridge,MA02142Phone:(617)494-2602Fax:(617)494-3024Email:[email protected]

Ø SaintLawrenceSeawayDevelopmentCorporation(SLSDC)o PatriciaWhite

ContractingOfficerChief,Procurement&SupplyDivisionU.S.DepartmentofTransportationSaintLawrenceSeawayDevelopmentCorporationPOBox520180AndrewsStreetMassena,NY13662Phone:(315)764-3236Email:[email protected]



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LocalFundingOpportunities

CaliforniaSmallBusinessLoans

1) CaliforniaIndustrialDevelopmentFinancingAdvisoryCommission(CIDFAC)ProgramsAgency:

Ø CaliforniaIndustrialDevelopmentFinancingAdvisoryCommission(CIDFAC),locatedintheStateTreasurer’sOffice.

PurposeofProgram:

Ø TheCaliforniaIndustrialDevelopmentFinancingAdvisoryCommission(CIDFAC)administersanumberofprogramstoassistCaliforniamanufacturingbusinessesinfundingcapitalexpendituresforbusinessacquisitionsorexpansions.Theprogramsallowbusinessestoborrowfundsatcompetitiveratesthroughtheissuanceoftax-exemptbondsenhancedbyaletterofcredit.

TypeofFunding:

Ø Capitalgeneratedfromtheissuanceoftax-exemptindustrialdevelopmentbondsusedtofinancecapitalexpenditures.

Eligibility:

Ø IndustrialDevelopmentBondscanbeusedtofinancecapitalexpendituresinagriculture,forestry,ormining.Thebondsfinancetheexpansionoracquisitionoffacilitiesandequipmentforproductassembly,fabrication,manufacturing,orprocessing.Businessesthatprocessormanufacturerecycledorreusedproductsandmaterialsmayalsoqualify.Eligibilityisgovernedbyadetailedsetofcriteriapursuanttofederalandstatelaw.



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ContactInformation:Ø DeannaHamelin,Manager

915CapitolMall,Room457Sacramento,CA95814Telephone:(916)653-3843Fax:(916)653-3241Email:[email protected]:http://www.treasurer.ca.gov/cidfac/

2) IndustrialDevelopmentRevenueBond(IDB)ProgramAgency:

Ø IDBscanbeissuedbytheCaliforniaInfrastructureandEconomicDevelopmentBank(I-Bank),bylocalIndustrialDevelopmentAuthorities,orbyJointPowersAuthorities.ThemissionoftheI-Bankistofinancepublicinfrastructureandprivateinvestmentsthatpromoteeconomicgrowth,revitalizecommunities,andenhancethequalityoflifethroughoutCalifornia.TheI-BankislocatedwithintheBusiness,Transportation,andHousingAgency.IDBsaretax-exemptsecuritiesissuedupto$10millionbyagovernmentalentitytoprovidemoneyfortheacquisition,construction,rehabilitationandequippingofmanufacturingandprocessingfacilitiesforprivatecompanies.IDBscanbeissuedbytheI-Bank,localIndustrialDevelopmentAuthorities,orbyJointPowersAuthorities.

PurposeofProgram:

Ø TheIDBProgramprovidestax-exemptfinancingtoqualifiedmanufacturingandprocessingcompaniesfortheconstructionoracquisitionoffacilitiesandequipment.IDBsallowprivatecompaniestoborrowatlowinterestratesnormallyreservedforstateandlocalgovernmentalentities.

TypeofFunding:

Ø Fundsfromtax-exemptsecuritiesissuedbyagovernmentalentity.

Eligibility:Ø Manufacturingandprocessingcompaniesareeligible.Theprojectfinancedbythebondsmustbeafacility

usedforthemanufacture,production,orprocessingoftangibleproperty.Atleast95%ofthebondproceedsmustbespentonqualifyingcosts.Qualifyingcostsarecapitalexpendituressuchasland,buildings,equipment,andotherdepreciableproperty,andcanalsoincludecapitalizedinterestduringconstruction.

ContactInformation:

Ø Applicationsareacceptedonacontinuousbasis.TheI-BankBoardofDirectorsnormallymeetseachmonthtoconsiderapprovalofcompleteapplicationsreceivedatleast20workingdayspriortothemeetingdate.Foradditionalinformation,ContactInformation:o TeveiaBarnes,ExecutiveDirector

9809thStreet,9thfloorSacramento,CA95814E-mail:[email protected]:(916)539-4408Fax:(916)322-6314http://ibank.ca.gov/



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3) RecyclingMarketDevelopmentZone(RMDZ)RevolvingLoanProgramAgency:

Ø CaliforniaIntegratedWasteManagementBoard.

PurposeofProgram:Ø TheprogramprovidesdirectloanstoeligiblebusinessesandnonprofitorganizationswithinRecycling

MarketDevelopmentZonesthatmanufacturerecycledrawmaterials,producenewrecycledproducts,orreducethewasteresultingfromthemanufactureofaproduct.Theseloanspromotemarketdevelopmentforpost-consumerandsecondarywastematerials.

TypeofFunding:

Ø Theprogrammakesloanstoacquireequipment,makeleaseholdimprovements,purchaserecycledrawmaterialsandinventory,oracquirerealestatewithamaximumvalueof$500,000.

Eligibility:

Ø BusinessapplicantsmustbelocatedinoneofthedesignatedRecyclingMarketDevelopmentZonesanddivertwastefromnon-hazardousCalifornialandfills.TheprogramwillendonJuly1,2011unlesslaterenactedbytheLegislature.

ContactInformation:

Ø StateRMDZOfficeo JimLaTanner,Supervisor

RMDZLoanProgram(MailStop#11)P.O.Box4025Sacramento,CA95812-4025(916)[email protected]://www.calrecycle.ca.gov/RMDZ/

Ø RegionalSiliconValleyRMDZOffices:o AnneHansen

EnvironmentalServicesSpecialist200ESantaClaraStSanJose,CAPhone:(408)975-2574Fax:(408)292-6211Email:[email protected]

o SteveLautzeGreenBusinessSpecialist250FrankHOgawaPl.Oakland,CA94612Phone:(510)238-4973Fax:(510)238-2226



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4) ReplacementofUndergroundStorageTank(RUST)Program–LoansAgency:

Ø StateWaterResourcesControlBoard.

PurposeofProgram:Ø Theprogramhelpsownersandoperatorsofsmallindependentundergroundstoragetankscomplywith

legislativemandatesenactedin1999(SB989)toenhanceundergroundtanksandmonitoringsystems.

TypeofFunding:Ø Typically,loansareprovidedtofacilitateanyofthefollowing:plans,permits,drawings;excavationand

removaloftanks,lines,anddispensers;installationofnewtanks,lines,dispensers,under-dispensercontainments,electronicmonitoringsystems,andenhancedvaporrecoverysystems.Also,fundingisofferedtowaterboardsandotherregulatoryagenciesintheeventofanemergencysituation,ortocleanupasitethatposesahealthorsafetythreat.

Eligibility:

Ø Smallbusinessownersoroperatorsofundergroundpetroleumstoragetanksareeligible.Applicantsmustprovideevidencethattheirsite(s)willbeinstatecomplianceoncefundsareappliedtotheproject.OthereligibilitycanbefoundinHealth&SafetyCodesection25299.102.

ContactInformation:

Ø JaniceClemonsDivisionofCleanWaterPrograms(916)341-5857USTCleanupFundP.O.Box944212Sacramento,[email protected]://www.waterboards.ca.gov/water_issues/programs/ustcf/rust.shtml



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5) CaliforniaCapitalAccessProgram(CalCAP)Agency:

Ø CaliforniaPollutionControlFinancingAuthority.

PurposeofProgram:Ø Thisprogramprovidesincentivesforlenderstomakeloanstosmallbusinessesthatmayotherwisehave

difficultyobtainingfinancing.Thisisaccomplishedthroughalossreserveaccountthatprovidesupto100%coverageforthelenderoncertainloandefaults.

TypeofFunding:

Ø Theprogramprovidesloanswithvariableratesandterms.TheborrowerworksdirectlywithaCalCAPlender.

Eligibility:

Ø Theborrower'sbusinessmustbeinoneoftheindustrieslistedinthequalifiedStandardIndustryClassificationcodeslist.Thebusinessisnotrequiredtoengageinactivitiesthataffecttheenvironment.

Ø Theborrower'sprimarybusinessand50%ofitsemployees,businessincome,sales,orpayrollmustbeinCalifornia.

Ø Thebusinessactivityresultingfromthebank'sloanmustbecreatedandretainedinCalifornia.Ø ThebusinessmustbeclassifiedasasmallbusinessunderU.S.SmallBusinessAdministrationguidelines(Title

13oftheCodeofFederalRegulations)orhavefewerthan500employees.

ContactInformation:Ø 915CapitolMall,Room457

Sacramento,CA95814Telephone:(916)654-5610Fax:(916)657-4821E-mail:[email protected]://www.treasurer.ca.gov/cpcfa/calcap/

6) SmallBusinessLoanGuaranteeProgramAgency:

Ø Business,TransportationandHousingAgency.Theprogramisadministeredthroughcontractsbetweentheagencyandnonprofitfinancialdevelopmentcorporationslocatedthroughoutthestate.

PurposeofProgram:

Ø Thisprogramhelpsbusinessesbecomeeligibleforloanstheymightnototherwiseobtain.Italsocreatestheopportunityforbusinessestoestablishafavorablecredithistoryforfutureloanneeds.

TypeofFunding:

Ø ThisprogramprovidesloansthataretobeusedprimarilyinCaliforniaforanystandardbusinesspurposebeneficialtotheapplicant'sbusiness.Thismayincludeexpansionintonewfacilitiesorpurchaseofnewequipment.

Eligibility:

Ø ApplicantsmustbesmallbusinessesasdefinedbythefederalSmallBusinessAdministration(SBA),i.e.,businessesthatemploynomorethan100people.



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ContactInformation:Ø ChrisHoulemard,Manager

SmallBusinessFinancialAssistanceProgramTelephone:(916)[email protected]://www.ibank.ca.gov/smallbusiness.htmOrcontactoneofthefollowingfinancialdevelopmentcorporationsthatadministertheprogramslocally.

o CaliforniaCapitalFinancialDevelopmentCorporation

ClarenceWilliams,President1792TributeRoad,Suite270Sacramento,CA95815Telephone:(916)442-1729

o Nor-CalFinancialDevelopmentCorporation

ArthurWashington,CEO300FrankH.OgawaPalzaSuite175Oakland,CA94612Telephone:(510)452-1171Fax:(510)452-4405

7) SmallBusinessPollutionControlTax-ExemptBondFinancingProgramAgency:

Ø CaliforniaPollutionControlFinancingAuthority(CPCFA).

PurposeofProgram:Ø Theprogramprovidestax-exemptbondfinancingtocreditworthysmallbusinessesfortheacquisition,

construction,orinstallationofqualifiedpollutioncontrol,wastedisposal,andresourcerecoveryfacilitiesinCalifornia.

TypeofFunding:

Ø TheCPCFAusesitsSmallBusinessAssistanceFunds(SBAF)topayforthecostsofissuanceoftax-exemptbondsissuedonbehalfofsmallbusinesses.TheSBAFalsopaysforletterofcreditfees,transactionfeesandothercostsassociatedwiththeissuanceofbonds.Thisassistancereducesthenetcostoffinancingtothesmallbusiness.

Eligibility:Ø TobeeligiblefortheSBAFTax-ExemptBondProgram,abusinessmustbeclassifiedasasmallbusiness

underU.S.SmallBusinessAdministrationguidelines(Title13oftheCodeofFederalRegulations)orhavefewerthan500employees,andbeinvolvedinappropriateprojects.

Ø Useoffundingmustcomplywithfederaleligibilityguidelines,whichindicatethat:o 95%oftheproceedsmustbeusedforthedefinedprojecto 2%ofbondproceedscanbeusedforthecostsofissuanceo 25%ofbondproceedscanbeusedforlandcostsincertaincaseso Apublichearing(TEFRA)mustbeheldbeforethebondsareissuedo Toacquireanexistingbuilding,aminimumof15%ofthebondproceedsmustbeusedtorenovatethe

building



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o Theaveragelifeofthebondissuecannotexceed120%oftheweightedaverageoftheestimateduseful

lifeoftheassetsbeingfinanced

ContactInformation:Ø SherriKayWahl,DeputyExecutiveDirector

915CapitolMall,Room457Sacramento,CA95814Telephone:(916)654-5610Fax:(916)657-4821Email:[email protected]:http://www.treasurer.ca.gov/cidfac/



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CaliforniaTechnicalSupportandDevelopmentPrograms forSmallBusiness

2) CaliforniaGetYourBusinessOnlineAgency:

Ø CaliforniaSBDC.

PurposeofProgram:Ø CaliforniaGetYourBusinessOnlineisaGoogle-ledprogramthatprovidessmallbusinessestheresources

theyneedtosucceedonline.WebsitesarefreeforCaliforniabusinesses.

TypeofBenefits:Ø ThisfreeofferincludesafreedomainnameandhostingforyourHomesteadwebsiteforoneyear.Thefree

siteincludes3freepages,25MGofdiskspaceand5GBofbandwidth(monthlytransfer).Emailandecommercearenotincluded.However,youcanpurchaseadditionalpages,diskspace,emailaddresses,ecommercesolutionsandmanyotheradd-onsfromHomestead.

Eligibility:

Ø Anybusinessororganizationcansignup,howevertheymustbeverifiedbyGoogle.YouwillneedtocreateaGoogle+Pagetoutilizetools,likeHangoutsandCircles,thathelpyouconnectwithyourcustomers.

ContactInformation:

Ø Getstartedhere:http://www.gybo.com/california/get-online

3) BusinessMatchmakingOffice

Ø Governor’sOfficeofBusinessandEconomicDevelopment.

PurposeofProgram:Ø BusinessMatchmakingprovidesopportunitiesforsmallbusinessestosecuresellingopportunitiesfrom

governmentagenciesandmajorcorporations,bothatkeyeventsandthroughanonlinenetwork.BusinessMatchmakingcontinuestobeafreeinitiativeforallsmallbusinessparticipants.

TypeofBenefits:

Ø AsadirectresultofthealliancebetweenleadingcorporationswiththeSBA,SCORE,SmallBusinessDevelopmentCentersandotherresourcepartners,BusinessMatchmakinghasfacilitatedmorethan90,000appointmentsbetweensmallbusinesssellersandbuyersfromkeygovernmentagenciesandmajorcorporations.Severalbillionsofdollarsincontractshavebeenawarded.

Alleventsarefreetobothparticipatingsmallbusinessesandrepresentativebuyers.Theyalsoincludeahighlysuccessfulscheduleofnetworkingandeducationalactivities.BusinessMatchmaking,Inc.,theproducerofBMM,isa501c3non-profitcorporation.

ContactInformation:



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Ø BusinessMatchmaking,Inc.13101W.WashingtonBlvd.,Ste.131LosAngeles,CA 90066Email:[email protected]

4) SiliconValleyServiceCoreofRetiredExecutives(SCORE)Agency:

Ø SiliconValleySCOREusesover11,000volunteerstobringpracticalexperiencetostart-upsmallbusinessandtothosethinkingaboutstartinganewsmallbusiness.SiliconValleySCOREprovidesbusinessmanagementconsulting,smallbusinessclasses,andbusinessresources.

PurposeofProgram:

Ø SiliconValleySCORE"CounselorstoAmerica'sSmallBusiness"isanonprofitassociationdedicatedtoeducatingentrepreneursandhelpingsmallbusinessesstart,grow,andsucceed.

Ø SiliconValleySCOREisSiliconValley’sbestresourceforno-costsmallbusinessmentoringandbusinesstraining.Theirconsultingservicesare100%volunteerledanddelivered.Therearemorethan100businesstrainingworkshopsperyeartoprovideawealthofknowledgeforthestart-uporgrowthbusinessowner.

ContactInformation:

Ø SiliconValleySCORE234EastGishRoad,Suite100SanJose,CA95112Telephone:(408)453-6237

Ø MoreInformation:http://www.svscore.org/

5) DisabledVeteranBusinessEnterprise(DVBE)andSmallBusiness(SB)CertificationProgramsAgency:

Ø DepartmentofGeneralServices.

PurposeofProgram:Ø TheseprogramsaredesignedtoincreasebusinessopportunitiesfortheDVBEandSBcommunitieswiththe

StateofCalifornia.TheprogramsaredesignedtohelpDVBEsandSBsparticipateonamorelevelplayingfieldbyprovidingcertainadvantageswhencompetingagainstothernon-DVBEsandnon-SBsforstatecontractsandpurchases.

TypeofBenefits:

Ø TheseprogramsenhancethelikelihoodofcontractingwithStateagencies.

Eligibility:Ø DVBEProgram–Theowner(eithersoleproprietoror51%ownership)mustmeetthecriteriaofa“disabled

veteran,”bedomiciledinCalifornia,andhavea10%disabilityfromservingintheUSArmy,AirForce,orNavy.Adisabledveteranmustmanagethebusiness.

Ø SBProgram–Abusinessmustbeindependentlyownedandoperated,cannotbedominantinitsfield,and

musthaveitsprincipalofficelocatedinCalifornia;plus,itsowner(s)mustbedomiciledinCA.Aqualifyingbusinessmusthavenomorethan100employees,withaveragegrossreceiptsof$10millionorlessoverthepriorthreeyears.



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ContactInformation:Ø SmallBusinessesandResources

DepartmentofGeneralServices7073rdStreet,1stFloor,Room400WestSacramento,CA95605(916)[email protected]://www.dgs.ca.gov/pd/programs/osds.aspx

6) DisadvantagedBusinessProgramsAgency:

Ø CaliforniaDepartmentofTransportation(Caltrans).

PurposeofProgram:Ø Theprogramincreasestheparticipationlevelofdisadvantagedbusinessesinallfederalcontracting

activities.

Ø QualifyingbusinessesarecertifiedasDisadvantagedBusinessEnterprises(DBE),MinorityBusinessEnterprises(MBE),orWomenBusinessEnterprises(WBE).

TypeofBenefits:

Ø Theseprogramsenhancethelikelihoodofbusinessesparticipatinginallfederalcontractingactivities.

Eligibility:Ø Onlysmallbusinesses,asdefinedbytheUnitedStatesSmallBusinessAdministration,thatareownedand

controlledbyoneormoresociallyandeconomicallydisadvantagedindividuals,canbecertifiedasaDBE.Definitions

Ø DBE:Atleast51%ofthesmallbusinessinconcernisownedbyoneormoresociallyandeconomicallydisadvantagedindividuals;andthemanagementanddailybusinessoperationsarecontrolledbyoneormoreofthesociallyandeconomicallydisadvantagedindividualswhoownit.

Ø MBE:

Atleast51%ofthesmallbusinessisownedbyoneormoreminorities,or,inthecaseofapubliclyownedbusiness,atleast51%ofallissuedstockisownedbyoneormoreminorities;andthemanagementanddailybusinessoperationsarecontrolledbyoneormoresuchindividuals.

Ø WBE:

Atleast51%ofthesmallbusinessisownedbyoneormorewomen;andthemanagementanddailybusinessoperationsarecontrolledbyoneormoreofthewomenwhoownit.

ContactInformation:

Ø 182314thStreetSacramento,CA95811Telephone:(916)324-0449Fax:(916)324-1949TTY711



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Ø AngelaShell

AssistantDirectorEmail:[email protected]:http://www.dot.ca.gov./hq/bep/

Ø AliciaSequeiraStatewideSmallBusinessLiaisonEmail:[email protected]

Ø MariaSalinasCalmentor/Mentor-Protégé[email protected]

Ø DBECertificationAssistanceEmail:[email protected]:(916)324-1700TollFree:(866)810-6346



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CaliforniaSmallBusinessTaxIncentives

1) EnterpriseZoneProgramAgency:

Ø DepartmentofHousingandCommunityDevelopment.

PurposeofProgram:Ø Theprogramprovidesspecialstateandlocaltaxandotherincentivestobusinesses,toencouragebusiness

investmentandpromotethecreationofnewjobsineconomicallydistressedareasthroughoutCalifornia.

TypeofFunding:Ø Theprogramprovidesanumberoftaxincentivestoqualifyingcompanies.

Eligibility:

Ø AllbusinesseslocatedinanEnterpriseZoneareeligibleforprogrambenefits.Thereare39EnterpriseZoneslocatedthroughoutCalifornia.EnterpriseZoneslast15yearsfromtheiroriginaldateofdesignation(1986-1997,dependingonthezone).AcompletelistingofEnterpriseZonescanbefoundatthefollowingWebsite: http://www.hcd.ca.gov/fa/ez/.

ContactInformation:Ø MainOfficeInformation:

o Phone&FAX:JohnNunn,Jr.,ProgramManagerEnterpriseZoneProgramTelephone:(916)274-0575FAX(916)263-2765John.Nunn@hcd.ca.govGailTillman-MitchellAdministrativeSecretary(916)274-0575Gail.Tillman-Mitchell@hcd.ca.govAdrienneDiLulloProgramRepresentative(916)263-2552Adrienne.DiLullo@hcd.ca.govLesleyJamesProgramRepresentative(916)[email protected](916)[email protected]



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o MailingAddress:DepartmentofHousing&CommunityDevelopmentDivisionofFinancialAssistanceENTERPRISEZONEPROGRAMSP.O.Box952054,MS650Sacramento,CA94252-2054

o StreetAddress:

2020WestElCaminoAvenue,Suite650Sacramento,CA95833

Ø NearCA-17District:

§ RichmondAlsoacceptsapplicationsforSanJoseRichmondWORKS33025thStreetRichmond,CA94804Contact:SalVaca,DirectorPhone:(510)307-8006Fax:(510)[email protected],CityofRichmond33025thStreetRichmond,CA94804Primary:JacqulynHolley,M.A.Phone:(510)307-8808Fax:(510)307-8072

§ OaklandCityofOaklandCEDABusinessDevelopmentServices270FrankOgawaPlazaOakland,CA94612-2032Contact:SusanaVillarrealPhone:(510)238-7794Fax:(510)[email protected]

§ EZOnlineVoucheringSystemhttp://www.CAEZonline.com/oakland

http://www.Oaklandnet.comhttp://www.business2oakland.com



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§ SanFranciscoCityandCountyofSanFranciscoCityHall,OEWD1DrCarltonB.GoodlettPlaceRoom448SanFrancisco,CA94102(415)[email protected]://sfezapp.oewd.org

2) LocalAgencyMilitaryBaseRecoveryArea(LAMBRA)Agency:

Ø DepartmentofHousingandCommunityDevelopment.

PurposeofProgram:Ø Theprogramencourageseconomicgrowthinformermilitarybaseareasbyattractingreinvestmentandre-

employingworkers.Taxincentivesareprovidedtobusinessesthatutilizespaceinformermilitarybases.

TypeofFunding:Ø LAMBRAprovidesanumberoftaxincentivestoqualifyingcompanies,including:

o Sales/UsetaxcreditforSection1245(a)(3)property(tangibledepreciablepersonalproperty)o Sales/Usetaxcreditforhightechnologyequipmento Sales/Usetaxcreditforaircraftmaintenanceequipmento Sales/Usetaxcreditforaircraftcomponentso Hiringtaxcreditsforfiveyearso Businessexpensedeductiono Netoperatinglosscarryovero Preferencepointsonstatecontracts

Ø LAMBRAincentivesaresimilarbutnotidenticaltoEnterpriseZoneincentives.

Eligibility:Ø BusinesseslocatedinafullydesignatedLAMBRAZoneareeligibleforprogrambenefits.



Page|44

3) OtherTaxIncentivesAgency:

Ø EmploymentDevelopmentDepartment(EDD).

TypeofIncentivesØ TheGovernor’sOfficeofBusinessandEconomicDevelopment(GO-Biz)wascreatedbyGovernorEdmundG.

BrownJr.toserveasCalifornia’ssinglepointofcontactforeconomicdevelopmentandjobcreationefforts.GO-Bizoffersarangeofservicestobusinessownersincluding:attraction,retentionandexpansionservices,siteselection,permitstreamlining,clearingofregulatoryhurdles,smallbusinessassistance,internationaltradedevelopment,assistancewithstategovernment,andmuchmore.

Ø TheGovernor’sOfficeofBusinessandEconomicDevelopment(GO-Biz)includesthefollowingunits:

o BusinessDevelopment(CalBIS)o PermitStreamliningo SmallBusinessAssistanceo EncouragingInnovationandEntrepreneurshipo InternationalAffairsandTradeDevelopment

ContactInformation:

Ø Governor'sOfficeofBusinessandEconomicDevelopment140010thStreet,2ndFloorSacramento,CA95814(916)322-0694/(877)345-4633Website:http://business.ca.gov/



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CaliforniaSmallBusinessGrants

1) InnovativeCleanAirTechnologies(ICAT)ProgramAgency:

Ø CaliforniaAirResourcesBoard.

PurposeofProgram:Ø Theprogramprovidesfundingforthedemonstrationofinnovativetechnologiesthatreduceairpollution.

TypeofFunding:

Ø Fundingisintheformofgrants.

Eligibility:Ø ICATfundsbusinessesandentrepreneurswithtechnicalinnovationsthatwillimproveemissionprevention

orcontrol.ProjectsmustdemonstratetheircommercialutilityinCalifornia.ICATseekstoassisttechnologiesthathelpreduceairemissionswhilepromotingnewindustriesandjobsinCalifornia,improvingindustrialproductivityandreducingcontrolcosts.

ContactInformation:

Ø SeongParkTelephone:(916)324-9287Fax:(916)[email protected]

Ø InnovativeCleanAirTechnologiesProgramResearchDivisionCaliforniaAirResourcesBoard1001IStreet,Suite540Sacramento,[email protected]://www.arb.ca.gov/research/icat/icat.htm

2) ElectricProgramInvestmentCharge(EPIC)Agency:

Ø CaliforniaEnergyCommission.

PurposeofProgram:Ø EPICisdesignedtoassistthedevelopmentofnon-commercializednewandemergingcleanenergy

technologiesinCalifornia,whileprovidingassistancetocommerciallyviableprojects.EPICconsistsofthreeprogramareasfundedatatotalof$162million/year:

o Appliedresearchanddevelopment($55million/year);o Technologydemonstrationanddeployment($75million/year),and;o Marketfacilitation,consistingofmarketresearch,regulatorypermittingandstreamlining,and

workforcedevelopmentactivities($15million/year).

TypeofFunding:Ø Mostofthefundingisintheformofawardcontractsand/orgrants.



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Eligibility:Ø EPICsolicitationswillbeopentoallpublicandprivateentitiesandindividualsinterestedinelectricityrelated

appliedresearch,technologydemonstrationandmarketfacilitation.EligibilityforreceivingEPICfundingthroughthecompetitiveprocessisbaseduponthespecificscreeningandscoringcriteriasetforthinthesolicitationapplicationmanual.

Ø ProgramEligibilityRequirements:

o AppliedResearchandDevelopment§ 3-YearProgramAreaFunding:Upto$158.7million§ EstimatedMin./Max.AwardperRecipient:$250,000to$3million§ MatchFundingRequirement*:None§ EstimatedFundingtoMatchFederalProgramInvestments:Upto10%tosupportfederalcost

shareopportunitieso TechnologyDemonstrationandDeployment

§ 3-YearProgramAreaFunding:Upto$129.8million($27millionforbioenergy)§ EstimatedMin./Max.AwardperRecipient:$1millionto$5million($100,000to$5millionfor

bioenergyprojects)§ MatchFundingRequirement:20percentoftherequestedEPICfunds§ EstimatedFundingtoMatchFederalProgramInvestments:Upto10%tosupportfederalcost

shareopportunitieso MarketFacilitation

§ 3-YearProgramAreaFunding:$43.3million§ EstimatedMin./Max.AwardperRecipient:$25,000to$3million§ MatchFundingRequirement:None§ EstimatedFundingtoMatchFederalProgramInvestments:None

*Note:IntheareaofAppliedResearchandDevelopment,matchedfundingisn’tarequirement,butproposalsthatdoprovidematchedfundingwilltypicallyscorehigher

ContactInformation:

Ø ErikStokesCaliforniaEnergyCommission1516NinthStreet,MS-43Sacramento,CA95814Telephone:(916)327-1399Email:[email protected]

Ø PamelaDoughmanCaliforniaEnergyCommission1516NinthStreet,MS-45Sacramento,CA95814Telephone:(916)651-2934Email:[email protected]

3) TheBuyCaliforniaInitiativeAgency:

Ø DepartmentofFoodandAgriculture.


TheOfficeofCongressmanTonyCárdenas Page|47

PurposeofProgram:Ø TheprogramboostsconsumptionofCalifornia'sagriculturalcommoditiesandassistsandsupportactivities

thatpromotespecialtycropproducers.

TypeofFunding:Ø Grantsareavailableinavarietyofcategories.

Eligibility:

Ø Grantsareofferedtocompaniesconcernedwithcriticalissuesassociatedwithprogramareassuchasresearch,agriculturaleducation,nutrition,foodsafety,andpestanddiseaseeradication.

ContactInformation:Ø CrystalMyers

DirectorofGrantManagementProgram1220NSt,SuiteA-400Sacramento,CA95814Telephone:(916)657-3231Fax:(916)651-7899Email:[email protected]:http://www.cdfa.ca.gov/mkt/mkt/buyca.html

4) TireGrantProgramAgency:

Ø IntegratedWasteManagementBoard.

PurposeofProgram:Ø Theprogrampromotesthereductionofwastetiresgoingtolandfillsandeliminatesthestockpilingofwaste

tires.Grantprogramsfundthecleanupandabatementofoldtires,therecyclingoftirematerials,andtheeducationofproperdisposaloftires.

TypeofFunding:

Ø Grantsareprovidedinspecifictireareas,including:o LocalGovernmentWasteTireCleanupo RubberizesAsphaltConcreteo WasteTireAmnestyDayo WasteTireEnforcemento WasteTirePlaygroundCovero WasteTireProductionCommercializationo WasteTireTrackandOtherRecreationalSurfacing.

Eligibility:

Ø Eligibilityvaries,dependingonthetypeofproject.Businessesthatfocusonresearch,businessassistance,marketdevelopment,productprocurement,amnestyevents,andtirepileclean-upmayqualify.



Page|48

ContactInformation:Ø CalvinYoung,ProgramSupervisor

Telephone:(916)341-5062Toll-free:(866)896-0600Email:[email protected]:http://www.calrecycle.ca.gov/tires/grants/

5) ReplacementofUndergroundStorageTank(RUST)Program–GrantsAgency:

Ø StateWaterResourcesControlBoard.

PurposeofProgram:Ø Theprogramhelpsownersandoperatorsofsmallindependentundergroundstoragetankscomplywith

legislativemandatesenactedin1999(SB989)toenhanceundergroundtanksandmonitoringsystems.

TypeofFunding:Ø Grantsareavailableforbetween$3,000and$50,000toeligibleUSTownersand/oroperators.(Lifetime

maximumlimitis$50,000perapplicant.).Ø Thisisnotareimbursementprogram.Workcannotbeginuntilyouhaveanagreementexecutedbythe

StateWaterBoard.

Eligibility:Ø GrantapplicantsmustbeaUSTownerand/oroperatorandmeetallofthefollowingrequirements:

o Theapplicantisasmallbusinessthatemploysfewerthan20full-timeandpart-timeemployees,isindependentlyownedandoperated,andisnotdominantinitsfieldofoperation;

o Thegrantapplicant’sprincipalofficeanditsofficersmustbedomiciledinCalifornia;o AllofthetanksownedandoperatedbythegrantapplicantaresubjecttocompliancewithHealthand

SafetyCodechapter6.7andtheregulationadoptedpursuanttothatchapter;o Thefacilitywherethesubjecttankislocatedhassold,atretail,lessthan900,000gallonsofgasoline

annuallyforeachofthetwoyearsprecedingthesubmissionofthegrantapplication;(GallonageisbasedupontaxablesalesfiguresprovidedtotheStateBoardofEqualization[BOE]onthegrantapplicant’sBOE401GSincludingScheduleG.)

o ThegrantapplicantisincompliancewithHealthandSafetyCodesections41954and25290.1,25290.2,25291,orsubdivisions(d)and(e)ofsection25292;(ThefacilitymustprovideacurrentUSTpermit,acurrentPermittoOperate,andproofofEVRcomplianceasevidenceofcompliancewiththisrequirement.)and

o ThefacilitywheretheprojecttankislocatedwaslegallyinbusinessretailinggasolineafterJanuary1,1999.(Thefacilitymustbelegallyoperatingcurrently.)

ContactInformation:

Ø JaniceClemonsDivisionofCleanWaterPrograms(916)341-5857P.O.Box944212Sacramento,[email protected]://www.waterboards.ca.gov/water_issues/programs/ustcf/rust.shtml


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