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Business Assistance in New York

Help For Your Business
Loans For Your Business After A Disaster
$150,000 In Down Payment Money To Become a Farmer or Rancher
$500,000 Grant To Small Businesses To Work On Scientific/Engineering Ideas
$500,000 For Native Americans To Start Or Expand A Business
$300,000 Grant To Small Businesses To Commercialize Scientific/Engineering Ideas
$750,000 0% Interest Loans To Utility Companies In Small Towns Who Help Small Businesses
$200,000 In Low Interest Loans For Small Farmers And Ranchers
$717,000 For First Time Farmers and Ranchers
$10,000,000 For Businesses In Small Towns
$717,000 For Women and Minorities To Buy Farms Or Ranches
$200,000 To Buy A Farm Or Ranch
$34,000,000 Grant For Airport Operators
$275,000 Grant To Small Businesses To Work On Agricultural Related Ideas
$717,000 To Operate A Farm Or Ranch
$900,000 Grant To Do Research On Injuries
Free Services And Money For Veterans To Receive Entrepreneur Training
Free Help For Veterans To Be Entrepreneurs
$2,000,000 Grant To Work On Fossil Energy Ideas
$22,000,000 Grant To Businesses That Employ People with Disabilities
$2,000,000 Grant To Commercialize Science Related Ideas
$200,000 Grant To Work On Energy Related Inventions
$750,000 Grant To Small Businesses To Work On Transportation Related Ideas
$295,000 Grant To Small Businesses To Work On Problems Related To The Environment
$15,000,000 Grant To Non-Profits Who Lend To Small Businesses In Small Towns
$1,500,000 Grant To Organizations Who Help Small Businesses In Small Towns
Grants For Veterans To Learn Entrepreneuring
$500,000 Grant For Small Businesses To Work On Defense Related Research
$600,000 Grant To Small Businesses To Work On General Aviation Related Ideas
$330,000 Grant To Small Towns To Lend Money To Local Small Businesses
$750,000 Grant To Small Businesses To Commercialize Environmental And Energy Related Research
$300,000 Grant To Small Businesses To Commercialize Scientific and Engineering Ideas
$200,000 To Operate A Farm Or Ranch
$10,000,000 For Businesses In Small Towns
$730,000 Grant To Small Businesses To Work On Military Related Ideas
$500,000 Grant To Small Businesses To Commercialize Health Related Ideas
$500,000 Grant For Small Business To Work On Scientific Research With Non-Profit Organizations
$500,000 Grant To Small Businesses To Commercialize General Aviation Related Ideas
$2,000,000 Grant to Organizations In Small Towns Who Lend To Local Small Businesses
$500,000 Grant For Small Businesses To Commercialize Education Related Ideas
$300,000 Grant To Small Businesses To Work On Education Related Ideas
$500,000 Grant For Small Businesses To Work On Defense Related Research
$500,000 For Women-Owned And Minority Businesses To Get Government Contracts
$500,000 Grant For Small Businesses To Work On Defense Related Research
$600,000 Grant To Small Businesses To Commercialize Military Technology
$500,000 Grant To Small Businesses To Work On Missile Technology
$500,000 Grant For Small Businesses To Work On Research With Non-Profit Organizations
$750,000 Grant To Small Businesses To Commercialize Military Technology
$750,000 Grant To Small Businesses To Work On Defense Techology Related Ideas
$500,000 Grant To Small Businesses To Work On Imagery Related Ideas
$750,000 Grant To Small Businesses To Work On Ideas For The Defense Department
$750,000 Grant To Small Businesses To Work On Health Related Ideas
$500,000 Low Interest Loan To Apple Producers
Help for Employers Dealing With WTC Tragedy
Lack Funds, Credit? Try Bartering!
Meeting Space Offered in New York City for Affected Businesses
IT Company Offers Free Service to Businesses Affected by Tragedy
Free Office Space
Free Help Restoring Computer Services
Support Offered to Displaced Nonprofits
Free Bookkeeping Services
Free Consulting Services for Businesses Needing Technology Assistance
Free Insurance Assistance Offered to Businesses
Free Stress Relief and Bereavement Counseling for Businesses
Money For A Big Or Small Business
Up To $10,000 For Refugees
Your State Can Get You Money
Public Housing Entreprenurs
State Microloan Prpgrams
Money To Start A Business In A Small Town
Small Towns That Offer You Money To Start A Business
More Money For Small Town Entrepreneurs
State Money and Help For Your Business
Technology Assistance
$50,000,000 To Start An Airline
$700,000 If Hurt By Imports
Money to Sell Overseas
70,000 Businesses Get Uncle Sam's Venture Capital
$200,000 For A Risky Business
Unconventional Loan Programs To Start A Business When You Have No Money
Free Business Assistance Programs
State Government Money Programs For Selling Overseas
Small Business Administration (SBA) Export Loans
Agency For International Development (AID)
Grants to Train Local Personnel
Consortia of American Businesses in Eastern Europe (CABEE)
Consortia of American Businesses in the Newly Independent States (CABNIS)
Money To Start A Business When You're Out Of Work
Money To Buy Out The Boss
Money For Entrepreneurs With Disabilities
Free Help In Starting a Business, Plus $800, If You Lose Your Job From A Dirty Company
When Your Business Fails: Get Free Money, Child Care and Training
Free Seminars On How to Sell Your Stuff Overseas
One Page Gets You A $150,000 Business Loan
Lots of Loan Money, Some At 0% Interest
Save $2,000 On Preparing a Business Plan
Sell Overseas at Government Expense
Get Paid To Attend Entrepreneur Classes
Money To Start A Business In A High Unemployment Area
$75,000 Grant If Hurt By Imports
Free Help Selling Your Arts And Crafts
Money If You Start A Business In A Certain Zip Code
Bureaucrats Will Fight the Government For You
Loans For Failures and Bad Credit Risks
$10,000 For Your 10-Year-Old Grandson To Start A Business
Get The Government To Pay Half Your Employees' Wages
Lots of Free Money To Train Your Employees
Get Free Lists Of Your Customers
60 Places For Women To Get Help To Start A Business
Help for Women to Get 5% of Government Contracts
Women's Pre-Qualified Loans Cut Down On Banker Stress
2,000 Productivity Specialists Offer Free Analysis
Money For Women Running A Taxi Company or the Airline Catering Business
Short-Term Lending Program Banks
Free Marketing Help To Get A Government Contract
Free Help In Buying A Franchise
Small Businesses Can Get Large Contracts
$2,000,000 To Get Through A Seasonal Downturn
$750,000 For A Small Business To Fulfill A Contract
$150,000 Loans That Require No Collateral
$25,000 For Small Businesses
$250,000 For Women and Minority Entrepreneurs
$1,000,000 For Companies Hurt by Defense Cuts
$750,000 To Sell Your Goods and Services Overseas
$1,000,000 To Sell Your Goods and Services Overseas
$1,000,000 To Start or Expand A Business
$1,000,000 To Start or Expand A Business
$750,000 For Businesses Hurt by North American Free Trade Agreement (NAFTA)
$150,000 With A One Page Application
$750,000 To Start or Expand a Business
$30,000,000 In Venture Capital For Starting Infrastructure in The Baltic Region
$2,000,000 Medium Term Loan For Small Businesses To Invest Overseas
$6,000,000 In Venture Capital For Starting Telecommunications Services In Central and Eastern Europe
$5,500,000 In Venture Capital For Starting Businesses In India
$9,200,000 In Venture Capital For Starting Businesses in Armenia, Azerbaijan and Georgia
$9,500,000 In Venture Capital For Starting Businesses In Central Europe
$7,500,000 In Venture Capital For Starting Businesses Southeast Asia
$18,000,000 In Venture Capital For Starting Businesses in Thailand, India, Korea And Others
$14,000,000 In Venture Capital For Environment-Related Startups In Emerging Market Economies
$2,000,000 In Venture Capital For Starting Small Businesses Overseas
$16,000,000 In Venture Capital For Starting Manufacturing Businesses In India
$14,000,000 In Venture Capital For Starting Agriculture Related Businesses in The Baltic Region
$3,000,000 In Venture Capital For Starting Businesses In Sub-Saharan Africa
Insurance Against Political Violence For Businesses Investing Overseas
Insurance Against Expropriation For Businesses Investing Overseas
Insurance Against Currency Fluctuations When Investing Overseas
$200,000 Medium And Long Term Loan For Businesses To Invest Overseas
$200,000 Long Term Loan For Businesses To Invest Overseas
$40,000,000 In Venture Capital For Starting Water Related Businesses In Emerging Countries
$15,000,000 In Venture Capital For Starting Businesses In Southern Europe And Turkey
Insurance Coverage For Technical Assistance Companies Doing Business Overseas
Insurance Protection For Overseas Mineral Exploration
Insurance Coverage For Overseas Oil and Gas Projects
Insurance Protection For Overseas Leasing Arrangements
Insurance Protection For Overseas Financial Transactions
Insurance Coverage For Financial Institutions Who Make Loans In Emerging Market Economies
$14,000,000 In Venture Capital For Starting Businesses In Southern Africa
$6,000,000 In Venture Capital For Starting Environment Related Businesses In Emerging Markets
$18,000,000 In Venture Capital For Starting Businesses In South America
Insurance Coverage For Overseas Contractors and Exporters
$25,000,000 In Venture Capital For Starting Businesses In Emerging Market Countries
$5,000,000 In Venture Capital For Starting Businesses In Poland
$20,000,000 In Venture Capital For Starting Businesses In Ukraine, Russia And Other Countries
$16,000,000 In Venture Capital For Starting Businesses in Latin America
$11,000,000 In Venture Capital For Starting Businesses in sub-Saharan Countries
$4,000,000 In Venture Capital For Starting Businesses In Israel
$4,500,000 In Venture Capital For Starting Businesses In West Bank/Gaza, Jordan and Oman
$6,500,000 In Venture Capital For Starting Businesses In The West Bank/Gaza and Jordan Regions
$50,000,000 To Help Small Aircraft Companies Sell Overseas
$10,000,000 To Financial Institutions Who Lend To Exporters
$200,000,000 To Help Exporters With Cash Flow Problems
$10,000,000 For Exporters of Architectural, Industrial and Engineering Design Services
$10,000,000 For Exporters of Maintenance Services
Insurance For Leasing Companies Who Export
Insurance For Leasing Companies Who Export
Insurance For Leasing Companies With Special Problems
Insurance To Cover Political And Commercial Risks For Small Business Exporters
Short Term Insurance To Cover Political And Commercial Risks for Small Business Exporters
$10,000,000 To Help Sell Overseas
$50,000,000 To Help Large Aircraft Manufacturers Sell Overseas
Insurance To Cover Risky Foreign Customers
$50,000,000 To Help U.S. Businesses Sell Used Aircraft Overseas
$50,000,000 To Help Railroad Companies Sell Overseas
$50,000,000 To Help Ship Building Companies Sell Overseas
Insurance To Protect Letters of Credit for Exporters
Insurance To Help Businesses Sell Environmental Equipment Overseas
$10,000,000 In Working Capital Money For Exporters And Foreign Purchasers of Exports
Insurance To Protect Exporters from Political or Commercial Risks
$200,000,000 For Foreign Buyers to Purchase From U.S. Companies
$10,000,000 To Pay Exporters Bad Debts From Foreign Buyers
Insurance to Cover Political and Commercial Risks for New Small Business Exporters
Free Help Line for New York Businesses
Businesses Loans for "Called Up" Reservists
Money For New York City Farmers Markets
$5 Million in Emergency Loans for Your NYC Business
Free Money to Help Moms Start a Business!
Free Office Space and Computer Equipment for New York Non-Profits


Business Assistance in New York
If you own a business in New York and were effected by the terrorists attacks, contact he Mayor's Hotline at 718-403-2220; or the Economic Development corporation Hotline at 718-30-2457 or 800-456-8369. These offices can answer your business questions, and direct you to various forms of assistance for which you may qualify. Public financial assistance for businesses will be posted on the New York City website at {www.nyc.gov}. Private emergency funding is being handled through the New York City Investment Fund, One Battery Park Plaza, 5th Floor, New York, NY 10004; 212-493-7548; {www.nycif.org}.
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Help For Your Business
The U.S. Small Business Assistance offers a wide range of disaster recovery financial assistance. Programs include: Home Disaster Loans, Business Physical Disaster Loans, and Economic Injury Disaster Loans. The filing deadline for physical damage to Home s, personal property and businesses in November 10, 2001. For economic injury loans, the filing deadline is June 11, 2002. In New York offices have been set up at 80 Pine St., and 633 3rd Avenue. For more information contact U.S. Small Business Administration; 800-659-2955; {www.sba.gov/disaster/newyorkfires.html}.
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Loans For Your Business After A Disaster
Businesses of all sizes as well as private, non-profit organizations may apply for up to $1.5 million from the Small Business Administration (SBA) to repair or replace damaged real and personal property, such as machinery, equipment, inventory, furniture and fixtures. Small businesses and small agricultural cooperatives that do not have credit available from non-government sources may apply for SBA's Economic Injury Disaster Loans up to $1.5 million to provide working capital to meet obligations until normal operations resume. The total loan amount to any one business entity (including affiliates) for a combined Physical and Economic Injury Disaster Loan may not exceed $1.5 million. Contact SBA, 26 Federal Plaza # 3100, New York, NY 10278; 212-264-4354; {www.sba.gov/disaster}.
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$150,000 In Down Payment Money To Become a Farmer or Rancher
Assists beginning farmers and ranchers to purchase a farm or ranch. Also provides a means for retiring farmers to transfer their land to a future generation. Applications should be mailed to local county office. Contact state office for referral to county/regional office. Loans are for 30% of purchase price or appraised value, whichever is lower (up to $250,000). Applicant must make a cash down payment of at least 10% of the purchase price. Contact Farm Service Agency, U.S. Department of Agriculture, Elaine Greer, Information Specialist, Maryland State FSA Office; Rivers Center, 8335 Guilford Rd.; Suite E, Columbia, MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.fsa.usda.gov}; {www.fsa.usda.gov}.
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$500,000 Grant To Small Businesses To Work On Scientific And Engineering Ideas
Supports high quality projects on important scientific, engineering, or science/engineering education problems and opportunities with potential for significant commercial and public benefit. Awards stimulate participation and innovation by small businesses as well as minority, disabled, and other disadvantaged individuals. Proposals are accepted on a solicitation only basis (see website for calls for proposals). Support under the Small Business Innovative Research Program is normally provided for six months and up to $100,000 for Phase I projects (experimental or theoretical investigation on the proposed research or activity)) and two years and up to $500,000 for Phase II awards (principal research and development effort). Only a NSF SBIR Phase 1 grantee who successfully completes a Phase 1 project and submits an acceptable Phase 1 Final Report is eligible to submit a Phase II proposal. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Socially and economically disadvantaged small business concerns and women-owned businesses are particularly encouraged to propose. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. Contact National Science Foundation, Ritchie Coryell, Program Manager, National Science Foundation, SBIR Program, 4201 Wilson Blvd., Room 550, Arlington, VA 22230; 703-306-1391; Fax: 703-292-9057; {sbir@nsf.gov}; {www.eng.nsf.gov/sbir}.
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$500,000 For Native Americans To Start Or Expand A Business
Guaranteed loans to stimulate and increase Indian entrepreneurship and employment through establishment, acquisition, or expansion of Indian-owned economic enterprises. Borrowers will work directly with the lenders. Upon lender's approval of an application for guaranteed loan, the lender will request a loan guaranty from B.I.A. office where the business is located. The Eastern Regional Credit Office serves all East Coast states. Contact regional office for assistance in filing loan guaranty application or to obtain other technical assistance. Borrower must be a federally recognized tribe or Alaska Native group, member of such tribe or group or an Indian-owned organization. The business must be located on or near a reservation or recognized service area and contribute to the economy of the reservation. A minimum of 20% equity, in either cash and/or unencumbered assets to be used in the business being financed, is required. Contact Bureau of Indian Affairs, Dept. of the Interior, John Fitzpatrick, Processor, Eastern Region Credit Office, 3701 N Fairfax Drive, Suite 260, Fairfax, VA 22203; 703-235-5565; Fax: 703-235-5565; {www.doi.gov/bureau-indian-affairs.html}.
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$300,000 Grant To Small Businesses To Commercialize Scientific and Engineering Ideas
Supports creative advanced research in scientific and engineering areas that encourages the conversion of Government-funded research o a commercial application. Awards stimulate technological participation and innovation by small businesses as well as minority, disabled, and other disadvantaged individuals. Proposals are accepted on a solicitation only basis (see website for calls for proposals). Submission of NIST proposals should be sent in 6 copies to: ATTN: SBIR Proposals, U.S. Dept. of Commerce, NOAA, Contract Administration Branch, Code OFA613; 1305 East-West Highway, SSMC4, Station 7604; Silver Spring, MD 20910. A detailed online guide for application requirements and preparation procedures can be found at: {www.rdc.noaa.gov/~amd/sbir-01nist.pdf}. Unsolicited proposals will not be accepted. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. Contact Department of Commerce, National Institute of Standards and Technology, J. Terry Lynch, SBIR Program Coordinator, U.S. Department of Commerce; North Campus, Bldg. 820, Rm.306; 820 West Diamond Avenue, Gaithersburg, MD 20899; 301-975-4517; Fax: 301-548-0624; {JTLynch@nist.gov}; {www.nist.gov/sbir}.
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$750,000 0% Interest Loans To Utility Companies In Small Towns Who Help Small Businesses
Provides zero interest loans to Rural Service Utilities (RUS) funded telephone and electric utilities to provide economic development and job creation projects including but not limited to: project feasibility studies, start up costs, and incubator projects. Promotes projects that will result in a sustainable increase in the productivity of economic resources in rural areas and thereby lead to a higher level of income for rural citizens. Applications may be filed on any business day at state office and should include "Application for Federal Assistance" as well as other documentation. Contact state office for questions concerning the application process and for a list of required documentation. Borrower should not be delinquent on an Federal debt or in bankruptcy proceedings. A project will not be selected unless supplemental funding is provided in an amount equaling at least 20 percent of the amount of the zero-interest loan funds provided by Rural Business Service. Repayment term, including any principal deferment period, will not exceed 10 years. Contact Rural Business-Cooperative Service, U.S. Department of Agriculture, James Waters, Programs Director, Rural Business-Cooperative Service, 4607 South DuPont Highway; P.O.Box 400; Camden, DE 19934; 302-697-4324; Fax: 302-697-4388; {Jim.Waters@de.usda.gov}; {www.rurdev.usda.gov/rns/busp/redl.htm}.
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$200,000 In Low Interest Loans For Small Farmers And Ranchers
To aid operators of not larger than family sized farms in obtaining credit when they are temporarily unable to project positive cash flow without a reduction in the interest rate. Assistance extends for up to ten years or life of loan. Expires 9/30/03. Application should be sent to local office. Contact federal office above for referral to state/local office. st meet eligibility for guaranteed loan. Contact Farm Service Agency, U.S. Department of Agriculture, Elaine Greer, Information Specialist, Maryland State FSA Office; Rivers Center, 8335 Guilford Rd.; Suite E, Columbia, MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.fsa.usda.gov}; {www.fsa.usda.gov/dafl/flpHome .htm}.
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$717,000 For First Time Farmers and Ranchers
Provides direct and guaranteed loans to beginning farmers and ranchers who are unable to obtain financing from commercial credit sources. Application for Direct Loan assistance may be made at FSA county office where farming operation will be located. For Guaranteed Loans, applicants must apply to commercial lender who participates in the Guaranteed Loan Program. Contact state office above for referral to local/regional office. Loan amounts range from $ 0 - $200,000 for Direct Loans and $0 - $717,000 for Guaranteed Loans (amount varies annually based on Applicant must not have owned/operated a farm or ranch for 10 years. Must substantially participate in the farm operation. Contact Farm Service Agency, U.S. Department of Agriculture, Elaine Greer, Information Specialist, Maryland State FSA Office; Rivers Center, 8335 Guilford Road; Suite E, Columbia, MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.fsa.usda.gov}; {www.fsa.usda.gov}.
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$10,000,000 For Businesses In Small Towns
Provides loans to public entities and private parties who cannot obtain credit from other sources. Loans can be made for improving, developing, or financing business and industry, creating jobs, and improving economic and environmental climate in rural communities (less than 50,000 residents). Applications should be submitted to the address below. Applicants must be U.S. citizens, and, if corporations, at least 51% owned by such individuals. Contact Rural Business-Cooperative Service, Department of Agriculture, James E. Waters, Community and Business Programs Director, 4607 South Dupont Highway, P.O. Box 400, Camden, DE 19934; 302-697-4324; Fax: 302-697-4388; {Jim.Waters@de.usda.gov}; {www.rurdev.usda.gov/rbs/busp/bprogs.htm}.
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$717,000 For Women and Minorities To Buy Farms Or Ranches
Enables socially disadvantaged applicants to buy and operate family-sized farms and ranches. For purposes of this program, socially disadvantaged groups include: women, African Americans, American Indians and Alaskan Natives, Hispanics, and Asians and Pacific Islanders. Application for Direct loan assistance may be made at FSA office in county where operation is located. For Guaranteed Loans, applicants must apply to a commercial lender who participates in the Guaranteed Program. Contact the state office above for referral to local/regional office. Loan amounts range from $0 - $200,000 for Direct Loans and $0 - $717,000 for Guaranteed Loans (amount varies annually based on inflation). Applicants must meet all requirements for FSA's regular farm loan program assistance. Must have education, training, and experience in managing/operating a farm; must be U.S. citizen; must have acceptable credit history. Contact Farm Service Agency, U.S. Department of Agriculture, Elaine Greer, Information Specialist, Maryland State FSA Office; Rivers Center, 8335 Guilford Rd. Suite E, Columbia, MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.fsa.usda.gov}; {www.fsa.usda.gov}.
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$200,000 To Buy A Farm Or Ranch
Assists eligible farmers, ranchers, and aquaculture operators to become owner-operators of family farms. Loan may be used to operate family-owned ranches and agricultural businesses and to purchase farmland, construct and repair buildings, and promote soil and water conservation. National Office: USDA, Farm Service Agency, Box 0522; Washington, DC Applications should be mailed to local county office. Contact state office above for referral to appropriate regional office. Must have education, training, and experience in managing/operating a farm; must be U.S. citizen; must have acceptable credit history. If farm/ranch will be operated as a business entity, all members must be related by blood or marriage. Contact Farm Service Agency, U.S.D.A., Elaine Greer, Information Specialist, MD State FSA Office; Rivers Center, 8335 Guilford Rd. Suite E, Columbia, MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.fsa.usda.gov}; {www.fsa.usda.gov/dafl/flpHome .htm}.
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$34,000,000 Grant For Airport Operators
Assists sponsors, owners and operators of public-use airports by providing federal funding for eligible projects such as improvement and development of runways, taxiway and apron pavement maintenance, purchase of navigational equipment, land acquisition for development, and other capital improvements. Headquarters Office: FAA, Office of Airport Planning and Programming, Airports Financial Assistance Division, APP-500, 800 Independence Avenue, SW, Washington, DC 20591; 202-267-3831. Residents of the states of Maryland, Delaware,
Virginia, and West Virginia should contact the Atlanta Airports District Office listed for consultation and application assistance. Only those projects considered by FAA Administrator to be necessary to provide for a safe and efficient airport system and to meet the current and projected growth of civil aeronautics will be considered. Applicants must be a sponsor, owner, or operator of a public-use airport listed in the National Plan of Integrated Airport Systems (NPIAS) and having at least 2,500 passengers boarding annually and receiving scheduled passenger aircraft service. Contact Federal Aviation Administration, Robert Mendez, Division Manager, Airports Division, Eastern Region, FAA, 1 Aviation Place, Jamaica, NY 11434; 718-553-3330; Fax: 718-995-5615; {Robert.Mendez@faa.gov}; {www.faa.gov/as0/aso600/sponsorguide/index}.
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$275,000 Grant To Small Businesses To Work On Agricultural Related Ideas
Supports high quality research or research and development (R&D) proposals containing advanced concepts related to important scientific problems and opportunities that could lead to significant public benefit if the research is successful. Awards stimulate technological innovation in the private sector, strengthening the role of small businesses in meeting Federal R&D needs, and fostering and encouraging participation by women-owned and socially and economically disadvantaged small business firms in technological innovation. Support under the U.S.D.A.'s Small Business Innovative Research Program is normally provided for six months and up to $70,000 for Phase I projects (to determine the scientific or technical feasibility of ideas submitted by proposers on research topic areas designated in the solicitation) and two years and up to $275,000 for Phase II awards (principal research and development effort). Proposals are accepted on a solicitation only basis. See website above for calls for proposals. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. A joint venture must provide documentation confirming that it can act as a single legal entity for purposes of a grant awarded under the SBIR program. Contact United States Department of Agriculture, Dr. Charles F. Cleland, Director, SBIR Program, Coop. State Research, Educ., and Extension Service, U.S.D.A., STOP 2243 1400 Independence Ave., SW, Washington, DC 20250; 202-401-4002; Fax: 202-401-6070; {ccleland@reeusda.gov}; {www.reeusda.gov/crgam/sbir.htm#program}.
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$717,000 To Operate A Farm Or Ranch
Guarantees farm ownership or farm operating loans made by conventional agricultural lenders for up to 95% of principal. Maximum loan amount varies annually based on inflation. Applicants must apply to conventional lender who arranges for guarantee. Contact Farm Service Agency, U.S. Department of Agriculture, Elaine Greer, Information Specialist, Maryland State FSA Office; Rivers Center, 8335 Guilford Rd.; Suite E, Columbia, MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.fsa.usda.gov}; {www.fsa.usda.gov/dafl/Guaranteed.htm}.
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$900,000 Grant To Do Research On Injuries
Funds research by professionals from a wide spectrum of disciplines for the purpose of building a scientific base for the prevention of injuries, disabilities, and deaths. Applications may be submitted by public and private nonprofit and for-profit organizations, academic and research institutions, State and local governments, Indian tribal organizations, and small, minority, and women-owned businesses. Awards will be made for a 12-month budget period within a three-year project period. The maximum funding level will not exceed $300,000 per year or $900,000 for the three-year project period. Specific program priorities and application guidelines can be found at {www.cdc.gov/od/pgo/funding/01013.htm}. Contact Centers for Disease Control, Dept. of Health and Human Services, Ted Jones, Program Manager, Office of Research Grants, CDC, 4770 Buford Highway, NE, Mailstop k-58, Atlanta, GA 30341; 770-488-4824; {tmj@cdc.gov}; {www.cdc.gov}.
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Free Services And Money For Veterans To Receive Entrepreneur Training
Provides entrepreneurial development services such as business training, counseling, and mentoring to eligible veterans owning or considering starting a small business. Each client works directly with a business counselor to develop an Individual Entrepreneurial Development Plan. Assists clients in developing and maintaining a five-year business plan. Also provides assistance and training in such areas as international trade, franchising, Internet marketing, and accounting. The Veteran's Business Outreach Center listed serves the following states: Virginia, Maryland, Pennsylvania, Delaware, West Virginia as well as the District of Columbia. Contact Outreach Center directly to request services. Must be a veteran who seeks to start and manage a small business. Contact Small Business Administration Office of Veteran's Business Development, Timothy E. Proctor, Director, TEP Consulting, Inc., 858 Dogwood Court, Herndon, VA 20172; 703-707-0931; Fax: 703-707-0985; {Timproctor@tepconsulting.com}; {www.sba.gov/VETS/vbop.html}.
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Free Help For Veterans To Be Entrepreneurs
Provides all services and assistance necessary to enable service-disabled veterans and service persons to get and keep a suitable job including tuition, books, fees, supplies, and rehabilitative services. When employment is not feasible, provides the needed services and assistance to help the individual learn skills to achieve maximum independence (this can include entrepreneurial training). Applications should be mailed to the above address. The Maryland VA Regional Office serves all of the state of Maryland with the exception of Montgomery and Prince George's Counties. Applicant must be a veteran of WWII or later service or a service member awaiting a disability discharge with a VA combined service-connected disability rating of 10% or more. Contact Veterans Benefits Administration, Department of Veterans Affairs, Maryland VA Regional Office, Federal Building, 31 Hopkins Plaza, Room 233, Baltimore, MD 21202; 410-230-4450; {baltimore.query@vba.va.gov}; {www.vba.va.gov/bln/vre/vbsvre.htm}.
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$2,000,000 Grant To Work On Fossil Energy Ideas
Provides project grants it individuals, commercial firms, non-profit research organizations, and educational institutions for the purpose of developing environmentally and economically superior technologies using fossil fuels. DOE periodically solicits proposals which are posted on the following website: {www.fetc.doe.gov/business/solicit/index}. DOE also publishes an online "Guide for the Submission of Unsolicited Proposals" at {www.fe.doe.gov/index.html}. For general information regarding unsolicited proposals contact: John N. Augustine, Unsolicited Proposals Coordinator Phone: (412) 386-4524 Fax: (412) 386-6137 ; {Email: john.augustine@fetc.doe.gov}. Unsolicited proposals should be submitted to the following address: John N. Augustine, Unsolicited Proposals Coordinator, Mail Stop 921-107; U.S. Dept. of Energy, Federal Energy Technology Center; 626 Cochrans Mill Road, P.O. Box 10940; Pittsburgh, PA 15236-0940. Must have had prior successful research and development experience in the fossil energy or related fields. Contact Office of Fossil Energy, Department of Energy, Office of Fossil Energy, U.S. Dept. of Energy, 1000 Independence Ave.; SW, Washington, DC 20585; 202-586-6503; Fax: 202-586-5146; {fewebmaster@hq.doe.gov}; {www.fe.doe.gov/index.html}.
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$22,000,000 Grant To Businesses That Employ People with Disabilities
Creates and expands job and career opportunities for individuals with disabilities by engaging the participation of business and industry in the rehabilitative process. PWI projects promote this involvement by making grants to a variety of agencies, business and industrial corporations, and foundations and by appointing Business Advisory Councils (BAC) to identify jobs and careers available in the community and provide advice on appropriate skills and training. Grants are awarded for up to 5 years and may not exceed 80 percent of the total cost of the project. *No further competition for these grants will take place until FY 2001. Application packets will be available from the above source beginning 7/1/01. Completed applications should be mailed to the address below. Grantees must provide an annual evaluation of project operations in accordance with the established program standards. Contact Rehabilitative Services Administration Programs, Dept. of Education, Fred Isbister, Chief, Service Projects Branch, U.S. Dept. of Ed. Application Control Center, Attn:CFDA 84.234P; 400 Maryland Ave. SW, Washington, DC 20202; 202-205-9297; {www.ed.gov/offices/OSERS/RSA/PGMS/pwi.html}.
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$2,000,000 Grant To Commercialize Science Related Ideas
Bridges the gap between the research lab and the marketplace, stimulating prosperity through innovation. Partners with companies of all sizes, universities, and nonprofits to foster the development of innovative technologies that will generate significant commercial payoffs as well as widespread benefits for the nation. Awards are selected through yearly, open, peer-reviewed competitions. ATP accepts proposals only in response to specific, published solicitations. Notices of ATP competitions are published in Commerce Business Daily. To request to be placed on a mailing list to be notified of upcoming ATP competitions, call 1-800-ATP-FUND or {e-mail: atp@nist.gov}. Must be a single for-profit company or an industry-led joint venture. A single company must be substantially involved in the research and development with a leadership role in steering the project. A joint venture consists of at least two separately owned for-profit companies, both of which are substantially involved in the R&D and both contributing toward the cost sharing requirement of more than 50 percent of the yearly total project cost. Contact National Institute of Standards and Technology, Barbara Lambis, Coordinator - Advanced Technology Program, NIST Advanced Technology Program, 100 Bureau Drive, Stop 471; Admin.Bldg.101 Rm.A413, Gaithersburg, MD 20899; 301-975-4447; Fax: 301-869-1150; {Barbara.Lambis@nist.gov}; {www.atp.nist.gov}.
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$200,000 Grant To Work On Energy Related Inventions
Provides funds for promising projects demonstrating both energy-related innovation and future commercial market potential. Grants are open to U.S. citizens, small businesses that are U.S. owned, or educational institutions located in the U.S. Special consideration is given to individual inventors and small businesses. Competitive program is announced periodically. Proposal announcements and procedures are posted at {www.oti.doe.gov/inventions/aaply3.shtml}. Grants range from $0 - $40,000 (Category 1 - Conceptual Ideas) to $0-$200,000 (Catergory 2 - Development and Performance). Applicant must be a U.S. citizen, U.S. owned business, or educational institution located in the U.S. Contact Office of Industrial Technology, Department of Energy, Sandra Glatt, Program Manager, Inventions and Innovation Div., U.S. Dept. of Energy, 1000 Independence Avenue, SW, Washington, DC 20585; 202-586-3897; Fax: 202-586-9234; {Sandra.glatt@ee.doe.gov}; {www.oit.doe.gov/inventions/pdfs/finguide.pdf}.
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$750,000 Grant To Small Businesses To Work On Transportation Related Ideas
Supports initiatives directed toward high priority transportation research and development requirements in the DOT Operating Administrations. Awards stimulate technological innovation in the private sector, strengthening the role of small businesses in meeting Federal R&D needs, and fostering and encouraging participation by women-owned and socially and economically disadvantaged small business firms in technological innovation. Support under DOT's Small Business Innovative Research Program is normally provided for six months and up to $100,000 for Phase I projects (to determine the scientific or technical feasibility of ideas submitted by proposers on research topic areas designated in the solicitation) and two years and up to $750,000 for Phase II awards (principal research and development effort). Proposals are accepted on a solicitation only basis. Up to date solicitation announcements and deadlines are posted on the website listed below. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. A joint venture must provide documentation confirming that it can act as a single legal entity for purposes of a grant awarded under the SBIR program. Only awardees in Phase I are eligible to participate in Phase II by invitation only. Contact U.S. Department of Transportation, Joseph Henebury, Program Director, Volpe National Transportation Systems Center, 55 Broadway, Kendall Square, Cambridge, MA 02142; 617-494-2051; Fax: 617-494-2370; {henebury@volpe.dot.gov}; {www.volpe.dot.gov/SBIR}.
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$295,000 Grant To Small Businesses To Work On Problems Related To The Environment
Supports high quality research or research and development (R&D) proposals containing advanced concepts related to important scientific problems and opportunities that could lead to significant public benefit if the research is successful. Support under the E.P.A.'s Small Business Innovative Research Program is normally provided for six months and up to $70,000 for Phase I projects (to determine the scientific or technical feasibility of ideas submitted by proposers on research topic areas designated in the solicitation) and two years and up to $295,000 for Phase II awards (principal research and development effort). Proposals are accepted on a solicitation only basis. Up to date solicitation announcements and deadlines are posted on the National Center for Environmental Research website at: {www.epa.gov/ncerqu/sbir}. For questions or assistance contact the EPA SBIR Helpline at: 1-800-490-9194. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. A joint venture must provide documentation confirming that it can act as a single legal entity for purposes of a grant awarded under the SBIR program. Contact Environmental Protection Agency, Marsha Johnson, Contracts Manager, U.S Environmental Protection Agency, Contracts Management Division (MD-33), Research Triangle Park, NC 27711; 919-541-0952; {johnson.marsha@epa.gov}; {www.epa.gov/ncerqa/sbir}.
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$15,000,000 Grant To Non-Profits Who Lend To Small Businesses In Small Towns
Provides grants to public bodies, nonprofit corporations, and Indian tribal groups to finance and facilitate the development of small and emerging private business enterprises located in rural areas. Funds may be used for the acquisition and development of land and the construction of buildings, plants, equipment, access streets and roads; technical assistance and related training for adults; startup and operating costs and working capital; and to create, expand, and operate rural distance learning networks. Applicants are required to submit supporting data (Preapplication Form SF-424) before a formal application is made. Applicants should contact the state representative above for more information on preapplication and application requirements. Rural area for this program is defined as a city, town, or unincorporated area that has a population of 50,000 inhabitants or less. Private business is eligible only if it will employ 50 or less new employees and has less than $1 million in projected gross revenue. Contact Department of Agriculture - Rural Business-Cooperative Service, Jim Waters, Program Director, 4607 South DuPont Highway, Post Office Box 400, Camden, DE 19934; 302-697-4324; Fax: 302-697-4388; {Jim.Waters@de.usda.gov}; {www.rurdev.usda.gov/rbs/busp/rbeg.htm}.
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$1,500,000 Grant To Organizations Who Help Small Businesses In Small Towns
Provides funds for technical assistance, training, and economic development and planning activities with the purpose of promoting sustainable economic development in rural communities with exceptional needs.. Public bodies, nonprofit corporations, Indian tribes on Federal and State reservations and other Federally recognized tribal groups, and cooperatives are eligible to apply. Applicants must be located in rural areas (this includes all areas other than cities of more than 10,000 people). Contact Department of Agriculture - Rural Business-Cooperative Service, Jim Waters, Program Director, 4607 South DuPont Highway, Post Office Box 400, Camden, DE 19934; 302-697-4324; Fax: 302-697-4303; {Jim.Waters@de.usda.gov}; {www.rurdev.usda.gov/rbs/busp/rbog.htm}.
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Grants For Veterans To Learn Entrepreneuring
Provides for direct payment to service providers for the entire cost of tuition, books, fees, supplies, and rehabilitation services. Counseling services are provided throughout participation in the program. Participants may select a program of education to assist them in attaining an educational, professional, or vocational objective at any approved educational institution they choose. The Eastern Regional Office serves the states of Maryland, Virginia, and West Virginia. Applicants residing in these states should mail their completed applications to the address below. Eligibility ceases at the end of 10 years from the date of the participant's last discharge or release from qualifying active duty after January 1977. Contact Veterans Benefits Administration, Department of Veteran Affairs, VA Eastern Regional Office, P.O. Box 4616, Buffalo, NY 14240; 888-442-4551; {washingtondc.query@vba.va.gov}; {www.vba.va.gov/bln/vre/vbsvre.htm}.
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$500,000 Grant For Small Businesses To Work On Defense Related Research
Funds joint venture innovative research opportunities for small business and the nation's premier non-profit research institutions. The purpose of this collaboration is to move ideas from the laboratory to the marketplace, to foster high-tech economic development and to address the technological needs of the Federal Government. The Air Force's Small Business Technology Transfer Program is normally provided for one year and up to $100,000 for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and for two years and up to $500,000 for Phase II awards (development and commercialization of Phase I projects). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow the Air Force's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. Proposals may only be submitted in response to solicitations. See website below for current solicitations and deadlines. Applicants must be a small, American-owned and for-profit business of 500 or fewer employees (including subsidiaries and affiliates). The nonprofit research institution must also be located in the U.S. At least 40 percent of the research project is to be conducted by the small business concern and at least 30 percent of the work is to be conducted by the "partnering' research institution. Contact Department of Defense - AIRFORCE, Dr. Victoria Franques, Program Manager, Air Force Office of Scientific Research, AFOSR/NI, 4040 N. Fairfax Drive, Suite 500, Arlington, VA 22203; 703-696-7313; Fax: 703-696-7320; {victoria.franques@afosr.af.mil}; {www.afosr.sciencewise.com}.
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$600,000 Grant To Small Businesses To Work On General Aviation Related Ideas
Supports high quality research or research and development (R&D) proposals promoting revitalization of general aviation. Awards stimulate technological innovation in the private sector, strengthening the role of small businesses in meeting Federal R&D needs, and fostering and encouraging participation by women-owned and socially and economically disadvantaged small business firms in technological innovation. Support under NASA's Small Business Innovative Research Program is normally provided for six months and up to $70,000 for Phase I
projects (to determine the scientific or technical feasibility of ideas submitted by proposers on research topic areas designated in the solicitation) and two years and up to $600,000 for Phase II awards (principal research and development effort). Proposals are accepted on a solicitation only basis. Up to date solicitation announcements and deadlines are posted on the website listed above. For questions or assistance contact the NASA SBIR Help Desk: (301) 937-0888 between 8:00 a.m. - 5:00 p.m. Monday-Friday (Eastern Time). Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. A joint venture must provide documentation confirming that it can act as a single legal entity for purposes of a grant awarded under the SBIR program. Contact NASA, Paul Mexcur, Program Manager, Code 710, Bldg. 3, Room 108, Goddard Space Flight Center, Greenbelt, MD 20771; 301-286-8888; Fax: 301-937-0204; {sbir@reisys.com}; {sbir.nasa.gov/SBIR/nasasbir.htm}.
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$330,000 Grant To Small Towns To Lend Money To Local Small Businesses
Provides grants from the Rural Business-Cooperative Service to rural communities through Rural Utilities Service (RUS) borrowers to be used for revolving loan funds for community facilities and infrastructure and for assistance in conjunction with rural economic development loans. Applications may be filed on any business day at state office and should include "Application for Federal Assistance" as well as other documentation. Contact state office for questions concerning the application process and for a list of required documentation. Borrower may not be delinquent on an Federal debt or in bankruptcy proceedings. Contact Rural Business-Cooperative Service, U.S. Department of Agriculture, James Waters, Program Director, Rural Business-Cooperative Service, 4607 South Dupont Highway; Post Office Box 400, Camden, DE 19934; 302-697-4324; Fax: 302-697-4388; {Jim.Waters@de.usda.gov}; {www.rurdev.usda.gov/rbs/busp/redg.htm}.
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$750,000 Grant To Small Businesses To Commercialize Environmental And Energy Related Research
Supports creative advanced research in technical areas such as biological and environmental research, high energy and nuclear physics, fossil and fusion energy, and environmental management. that encourage the conversion of Government-funded research in a commercial application. Awards stimulate technological participation and innovation by small businesses as well as minority, disabled, and other disadvantaged individuals. Proposals are accepted on a solicitation only basis (see website above for calls for proposals). Support under the Small Business Innovative Research Program is normally provided for six months and up to $100,000 for Phase I projects (to explore the feasibility of innovative concepts) and two years and up to $750,000 for Phase II awards (principal research and development effort). Applications for both Phase I and Phase II grants should be mailed to the above address. A detailed online guide for application requirements and procedures can be found at: {sbir.er.doe.gov/sbir/Solicitations/FY%202001/2001.htm}. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. Contact U.S. Department of Energy, Robert Berger, Program Manager, U.S. Dept. of Energy, SBIR/STTR Program, SC-32, 19901 Germantown Road, Germantown, MD 20874; 301-903-1414; Fax: 301-903-5488; {sbir-strr@science.doe.gov}; {sbir.er.doe.gov/sbir}.
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$300,000 Grant To Small Businesses To Commercialize Scientific and Engineering Ideas
Supports creative advanced research in scientific and engineering areas that encourage the conversion of Government-funded research into a commercial application. Awards stimulate technological participation and innovation by small businesses as well as minority, disabled, and other disadvantaged individuals. Proposals are accepted on a solicitation only basis (see website for calls for proposals). Submission of NIST proposals should be sent in 6 copies to: ATTN: SBIR Proposals, U.S. Dept. of Commerce, NOAA, Contract Administration Branch, Code OFA613; 1305 East-West Highway, SSMC4, Station 7604; Silver Spring, MD 20910. A detailed online guide for application requirements and preparation procedures can be found at: {www.rdc.noaa.gov/~amd/sbir-01noaa.pdf}. Unsolicited proposals will not be accepted. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. Contact Department of Commerce, NOAA, Dr. Joseph M. Bishop, NOAA/SBIR Program Manager, SBIR Program Office; U.S. Dept. of Commerce/NOAA, 1315 East-West Highway, Room 11434, Silver Spring, MD 20910; 301-713-3565; Fax: 301-713-4100; {Joseph.bishop@noaa.gov}; {www.noaa.gov/sbir}.
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$200,000 To Operate A Farm Or Ranch
Assists operators of not larger than family farms to make efficient use of their land, labor, and other resources, and to establish and maintain financially viable farming and ranching operations. May be used to operate family-owned ranches and agricultural businesses and to purchase livestock, farm equipment, seed, chemicals, etc. as well as to make minor improvements to buildings, costs associated with land and water development and family assistance. National Office: USDA, Farm Service Agency; Box 0522; Washington, DC 20250. Applications should be mailed to local county office. Contact state office below for referral to county/regional. Must have education, training, and experience in managing/operating a farm; must be U.S citizen; must have acceptable credit history. If farm/ranch will be operated as a business entity, all members must be related by blood or marriage. Contact Farm Service Agency, U.S. Department of Agriculture, Elaine Greer, Information Specialist, Maryland State FSA Office; Rivers Center, 8335 Guilford Rd.; Suite E, Columbia, MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.fsa.usda.gov}; {www.fsa.usda.gov/dafl/flpHome .htm}.
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$10,000,000 For Businesses In Small Towns
Helps create jobs and stimulates rural economies by providing financial backing for rural businesses. Provides guarantees up to 90 percent of a loan made by a commercial lender. Loan proceeds may be used for working capital, machinery and equipment, buildings and real estate, and certain types of refinancing. Beneficiaries include may include cooperatives. Applicants must be U.S. citizens, and, if corporations, at least 51% owned by such individuals. Contact Rural Business-Cooperative Service, Department of Agriculture, James E. Waters, Community and Business Programs Director, 4607 South Dupont Highway, P.O. Box 400, Camden, DE 19934; 302-697-4324; Fax: 302-697-4388; {Jim.Waters@de.usda.gov}; {www.rurdev.usda.gov/rbs/busp/bprogs.htm}.
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$730,000 Grant To Small Businesses To Work On Military Related Ideas
Funds early-stage research and development projects of small companies that have the potential for commercialization in the private sector or U.S. military markets. The Army's Small Business Innovative Research Program is normally provided for six months and up to $70,000 for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and two years and up to $730,000 for Phase II awards (demonstration phase in which prototypes are built and tested). For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow the Army's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. Only awardees in Phase I are eligible to participate in Phase II (by invitation only). Contact Department of Defense - U.S. Army, Dr. Kenneth A. Bannister, U.S. Army SBIR Program Manager, U.S. Army Research Office, Rm. 8N31, Army Material Command Bldg., 5001 Eisenhower Ave., Alexandria, VA 22333; 703-617-7425; Fax: 703-617-8274; {aro-sbir@hqamc.army.mil}; {www.aro.army.mil/arowash/rt/sbir.htm}.
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$500,000 Grant To Small Businesses To Commercialize Health Related Ideas
Funds joint venture innovative research opportunities for small business and the nation's premier non-profit research institutions. The purpose of this collaboration is to move ideas from the laboratory to the marketplace, to foster high-tech economic development and to address the technological needs of the Federal Government. NIH solicits proposals for biomedical and behavioral research and awards up to $100,000 for approximately one year for Phase I projects (the exploration of the scientific, technical and commercial feasibility of an idea) and up to $500,000 for up to two years for Phase II (development and commercialization of Phase I projects). Proposals may only be submitted in response to solicitations . See website below for current solicitations and deadlines. Applicants must be a small, American-owned and for-profit business of 500 or fewer employees (including subsidiaries and affiliates). The nonprofit research institution must also be located in the U.S. At least 40 percent of the research project is to be conducted by the small business concern and at least 30 percent of the work is to be conducted by the "partnering' research institution. Contact National Institutes of Health, Joanne Goodnight, Coordinator SBIR/STTR Programs, Office of Extramural Research - NIH, 6701 Rocklege Dr. RKLG II, Rm. 6186, Bethesda, MD 20892; 301-435-2688; Fax: 301-480-0146; {jg128w@nih.gov}; {grants.nih.gov/grants/funding/sbir.htm#sttr}.
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$500,000 Grant For Small Business To Work On Scientific Research With Non-Profit Organizations
Funds joint venture innovative research opportunities for small business and the nation's premier non-profit research institutions. The purpose of this collaboration is to move ideas from the laboratory to the marketplace, to foster high-tech economic development and to address the technological needs of the Federal Government. NSF awards up to $100,000 for approximately one year for Phase I projects (the exploration of the scientific, technical and commercial feasibility of an idea) and up to $500,000 for up to two years for Phase II (development and commercialization of Phase I projects). For specific reporting requirements and instructions for
completing proposal visit the following website: {www.eng.nsf.gov/sbirspecs/Reporting/reporting.htm}. For additional grant-writing guidance: {www.nsf.gov/cgi-bin/getpub?nsf012}. Proposals may only be submitted in response to solicitations . See website below for current solicitations and deadlines. Applicants must be a small, American-owned and for-profit business of 500 or fewer employees (including subsidiaries and affiliates). The nonprofit research institution must also be located in the U.S. At least 40 percent of the research project is to be conducted by the small business concern and at least 30 percent of the work is to be conducted by the "partnering' research institution. Contact National Science Foundation, Ritchie Coryell, Program Manager, 4201 Wilson Blvd., Arlington, VA 22230; 703-292-5111; Fax: 703-292-9057; {sbir@nsf.gov}; {www.nsf.gov}.
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$500,000 Grant To Small Businesses To Commercialize General Aviation Related Ideas
Funds joint venture innovative research opportunities for small business and the nation's premier non-profit research institutions. The purpose of this collaboration is to move ideas from the laboratory to the marketplace, to foster high-tech economic development and to address the technological needs of the Federal Government. NASA awards up to $100,000 for approximately one year for Phase I projects (the exploration of the scientific, technical and commercial feasibility of an idea) and up to $500,000 for up to two years for Phase II (development and commercialization of Phase I projects). For general questions or assistance contact NASA's STTR Help Desk at (301) 937-0888. Proposals may only be submitted in response to solicitations . See website below for current solicitations and deadlines. Applicants must be a small, American-owned and for-profit business of 500 or fewer employees (including subsidiaries and affiliates). The nonprofit research institution must also be located in the U.S. At least 40 percent of the research project is to be conducted by the small business concern and at least 30 percent of the work is to be conducted by the "partnering' research institution. Contact NASA, W. Paul Mexcur, Program Manager, Goddard Space Flight Center, Code 710, Greenbelt, MD 20771; 301-286-8888; Fax: 301-937-0204; {sbir@reisys.com}; {sbir.nasa.gov}.
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$2,000,000 Grant to Organizations In Small Towns Who Lend To Local Small Businesses
Finances business facilities and community development projects in rural areas through loans made to "intermediaries". Intermediaries re-lend funds to "ultimate recipients" for the establishment of new businesses, the expansion of existing businesses, creation of employment opportunities, saving of existing jobs, or community development projects. Intermediaries may be private non-profit corporations, public agencies, Indian groups, or cooperatives; ultimate recipients may be public or private organizations or individuals. Applications should be mailed to the above address. For regulations and application instructions contact the IRP representative listed below. The maximum loan to any one intermediary is $2 million with interest rate of 1% per annum. Intermediaries must not use IRP funds to finance more than 75% of the cost of an ultimate recipient's project or for a loan of more than $150,000 to one ultimate recipient. At least 51% of the owners or members of both intermediaries and ultimate recipients must be U.S. citizens and should be unable to obtain the proposed loan elsewhere at reasonable rates and terms. All of the IRP loan funds received by an intermediary must be reloaned to ultimate recipients. Contact Department of Agriculture - Rural Business-Cooperative Service, Jim Waters, Program Director, USDA Rural Development 4607 South Dupont Highway, P.O. Box 400, Camden, DE 19934; 302-697-4324; Fax: 302-697-4388; {Jim.Waters@de.usda.gov}; {www.rurdev.usda.gov/rbs/busp/irp.htm}.
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$500,000 Grant For Small Businesses To Commercialize Education Related Ideas
Funds joint venture innovative research opportunities for small business and the nation's premier non-profit research institutions. The purpose of this collaboration is to move ideas from the laboratory to the marketplace, to foster high-tech economic development and to address the technological needs of the Federal Government. DOE awards up to $100,000 for approximately nine months for Phase I projects (the exploration of the scientific, technical and commercial feasibility of an idea) and up to $500,000 for up to two years for Phase II (development and commercialization of Phase I projects). For specific reporting requirements and instructions for completing proposal visit the website below. Proposals may only be submitted in response to solicitations. See website below for current solicitations and deadlines. Applicants must be a small, American-owned and for-profit business of 500 or fewer employees (including subsidiaries and affiliates). The nonprofit research institution must also be located in the U.S. At least 40 percent of the research project is to be conducted by the small business concern and at least 30 percent of the work is to be conducted by the 'partnering' research institution. Contact Department of Education, Robert Berger, Program Manager, U.S. Dept. of Energy, SBIR/STTR Program SC-32, 19901 Germantown Rd., Germantown, MD 20874; 301-903-1414; Fax: 301-903-5488; {sbir-sttr@science.doe.gov}; {sbir.er.gov/sbir/Index.htm}.
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$300,000 Grant To Small Businesses To Work On Education Related Ideas
Provides grants to small business firms to support research in educational technology, science, or engineering with the goal of stimulating technological innovation in the private sector and strengthening the role of small business in meeting Federal research and development (R&D) needs. Support under the Dept. of Ed's Small Business Innovative Research Program is normally provided for six months and up to $60,000 for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and two years and up to $300,000 for Phase II awards (to expand the results of and further the development of Phase 1). Proposals are accepted on a solicitation only basis. The 2001 Dept. of Ed. SBIR Phase 1 solicitation will be announced on January 26, 2001. Up to date solicitation announcements and directions for submitting proposals are posted on the website listed below. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. A joint venture must provide documentation confirming that it can act as a single legal entity for purposes of a grant awarded under the SBIR program. Only awardees in Phase I are eligible to participate in Phase II (by invitation only). Contact U.S. Department of Education, Lee Eiden, Program Coordinator, Room 508D, Capitol Place, 555 New Jersey Avenue, N.W., Washington, DC 20208; 202-219-2004; {Lee_Eiden@ed.gov}; {www.ed.gov/offices/OERI/SBIR}.
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$500,000 Grant For Small Businesses To Work On Defense Related Research
Funds joint venture innovative research opportunities for small business and the nation's premier non-profit research institutions. The purpose of this collaboration is to move ideas from the laboratory to the marketplace, to foster high-tech economic development and to address the technological needs of the Federal Government. he Navy's Small Business Technology Transfer Program is normally provided for up to one year and up to $100,000 for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and for two years and up to $500,000 for Phase II awards (development and commercialization of Phase I projects). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow the Navy's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. Proposals may only be submitted in response to solicitations . See website below for current solicitations and deadlines. Applicants must be a small, American-owned and for-profit business of 500 or fewer employees (including subsidiaries and affiliates). The nonprofit research institution must also be located in the U.S. At least 40 percent of the research project is to be conducted by the small business concern and at least 30 percent of the work is to be conducted by the "partnering' research institution. Contact Department of Defense - NAVY, John Williams, Program Manager, Office of Naval Research, ONR 364SBIR, Ballston Tower #2, Rm. 106, 800 N. Quincey St., Arlington, VA 22203; 703-696-0342; Fax: 703-696-4884; {williajr@onr.navy.mil}; {www.onr.navy.mil/sbir}.
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$500,000 For Women-Owned And Minority Businesses To Get Government Contracts
Assists minority-owned, women-owned and other disadvantaged business enterprises to obtain working capital to perform transportation related contracts for the Department of Transportation. Applications are submitted to a participating bank. For a list of participating banks see OSDBU website below. Applicants must have a transportation related contract and must be certified as a Disadvantaged Business Enterprise by any agency applying DOT certification guidelines or by the U.S. Small Business Administration. Funds are limited to short term costs of contracts being financed and are not available for refinancing of existing debt; contract mobilization; equipment or other long term uses. Contact U.S. DOT, Office of Small and Disadvantaged Business Utilization, Jerry Franco, Program Manager, Office of Small and Disadvan. Bus. Utilization S40, 400 7th St., SW, Rm. 9410, Washington, DC 20590; 202-366-1930; Fax: 202-366-7538; {osdbuweb.dot.gov/business/mp/mktpkg10.html}.
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$500,000 Grant For Small Businesses To Work On Defense Related Research
Funds joint venture innovative research opportunities for small business and the nation's premier non-profit research institutions. The purpose of this collaboration is to move ideas from the laboratory to the marketplace, to foster high-tech economic development and to address the technological needs of the Federal Government. The Army's Small Business Technology Transfer Program is normally provided for up to one year and up to $100,000 for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and for two years and up to $500,000 for Phase II awards (development and commercialization of Phase I projects). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow the Army's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. Proposals may only be submitted in response to solicitations . See website below for current solicitations and deadlines. Applicants must be a small, American-owned and for-profit business of 500 or fewer employees (including subsidiaries and affiliates). The nonprofit research institution must also be located in the U.S. At least 40 percent of the research project is to be conducted by the small business concern and at least 30 percent of the work is to be conducted by the "partnering' research institution. Contact Department of Defense - ARMY, Dr. Frank Hurley, Program Manager, U.S. Army Research Office, Attn: STTR-2001 P.O. Box 12211, Research Triangle Park, NC 27709; 919-549-4322; Fax: 919-549-4248; {hurley@arl.aro.army.mil}; {www.aro.army.mil/arowash/rt/}.
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$600,000 Grant To Small Businesses To Commercialize Military Technology
Funds early-stage research and development projects of small companies that have the potential for commercialization in the private sector or U.S. military markets. The Navy's Small Business Innovative Research Program is normally provided for six months and up to $70,000 for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and two years and up to $600,000 for Phase II awards (demonstration phase in which prototypes are built and tested). For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow the Navy's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. Only awardees in Phase I are eligible to participate in Phase II (by invitation only). Contact Department of Defense - U.S. Navy, Vincent Schaper, Navy SBIR Program Manager, Office of Naval Research (ONR 362), 800 N. Quincey Street, BCT #1, Room 633, Arlington, VA 22217; 703-696-8528; Fax: 703-696-4884; {Schapev@onr.nay.mil}; {www.navysbir.brtrc.com/index.htm}.
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$500,000 Grant To Small Businesses To Work On Missile Technology
Funds early stage research and development by small businesses that support BMDO's mission of developing innovative technology for the purpose of enabling a defense against missiles in flight. BMDO's Small Business Innovative Research Program typically provides up to $60,000 over the course of six months for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and up to $500,000 over the course of two years for Phase II awards (demonstration phase in which prototypes are built and tested). For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow BMDO's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. A joint venture must provide documentation confirming that it can act as a single legal entity for purposes of a grant awarded under the SBIR program. Only awardees in Phase I are eligible to participate in Phase II (by invitation only). Contact Department of Defense - BMDO (Ballistic Missile Defense Organization), Jeff Bond, SBIR Program Manager, Ballistic Missile Defense Organization, 1725 Jefferson Davis Hwy., Suite 809, Arlington, VA 22202; 703-604-3538; Fax: 703-604-3956; {jeff.bond@bmdo.osd.mil}; {www.winbmdo.com}.
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$500,000 Grant For Small Businesses To Work On Research With Non-Profit Organizations
Funds joint venture innovative research opportunities for small business and the nation's premier non-profit research institutions. The purpose of this collaboration is to move ideas from the laboratory to the marketplace, to foster high-tech economic development and to address the technological needs of the Federal Government. The BMDO's Small Business Technology Transfer Program is normally provided for one year and up to $100,000 for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and for two years and up to $500,000 for Phase II awards (development and commercialization of Phase I projects). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow the BMDO's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed above. For administrative help with the BMDO's STTR application process call 800-937-3150. Proposals may only be submitted in response to solicitations . See website below for current solicitations and deadlines. Applicants must be a small, American-owned and for-profit business of 500 or fewer employees (including subsidiaries and affiliates). The nonprofit research institution must also be located in the U.S. At least 40 percent of the research project is to be conducted by the small business concern and at least 30 percent of the work is to be conducted by the "partnering' research institution. Contact Department of Defense - Ballistic Missile Defense Organization (BMDO), Jeff Bond, Program Manager, Ballistic Missile Defense Organization, Attn: Bond, 1725 Jefferson Davis Hwy., Suite 809, Arlington, VA 22202; 703-697-3699; Fax: 703-695-5724; {jeff.bond@bmdo.osd.mil}; {www.winbmdo.com}.
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$750,000 Grant To Small Businesses To Commercialize Military Technology
Funds early-stage research and development projects of small companies that have the potential for commercialization in the private sector or U.S. military markets. The Air Force's Small Business Innovative Research Program is normally provided for nine months and up to $100,000 for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and two years and up to $750,000 for Phase II awards (demonstration phase in which prototypes are built and tested). For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow the Air Force's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed above. For general information or questions regarding Air Force SBIR topics write sbir-hq@afrl.af.mil or call 800-222-0336. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. Only awardees in Phase I are eligible to participate in Phase II (by invitation only). Contact Department of Defense - Air Force, Stephen Guilfoos, SBIR Program Manager, AFRL/XPTT, 1864 4th Street, Suite 1, Wright-Patterson, AFB, OH 45433; 937-656-9021; Fax: 937-255-2329; {Stephen.guilfoos@afrl.af.mil}; {www.afrl.af.mil/sbir/index.htm}.
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$750,000 Grant To Small Businesses To Work On Defense Techology Related Ideas
Funds early stage research and development by small businesses that support DARPA's mission of advancing state-of-the-art defense technology, and that have a strong likelihood of being successfully marketed commercially. DARPA's Small Business Innovative Research Program typically provides up to $99,000 over the course of nine months for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and up to $750,000 over the course of two years for Phase II awards (demonstration phase in which prototypes are built and tested). For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow DARPA's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. Only awardees in Phase I are eligible to participate in Phase II (by invitation only). Contact Department of Defense - DARPA (Defense Advanced Research Agency), Connie Jacobs, SBIR Program Manager, Contracts Management Office - DARPA, 3701 North Fairfax Drive, Arlington, VA 22203; 703-526-4162; Fax: 703-841-5158 {cjacobs@darpa.mil}; {www.darpa.mil/sbir/}.
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$500,000 Grant To Small Businesses To Work On Imagery Related Ideas
Funds early stage research and development by small businesses that support NIMAs mission to provide timely, relevant, and accurate imagery, imagery intelligence, and geospatial information in support of national security objectives. NIMA's Small Business Innovative Research Program typically provides up to $100,000 over the course of nine months for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and up to $500,000 over the course of two years for Phase II awards (demonstration phase in which prototypes are built and tested). For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow NIMA's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. General questions about NIMA's SBIR program may also be sent to {sbir@nima.mil}. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. Only awardees in Phase I are eligible to participate in Phase II (by invitation only). Contact Department of Defense - NIMA (National Imagery and Mapping Agency), Dr. Kathleen Morrish, SBIR Program Manager, 12310 Sunrise Valley Drive, Mail Stop P-53, Reston, VA 20191; 703-262-4557; Fax: 703-262-4588; {morrishk@nima.mil}; {www.nima.mil}.
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$750,000 Grant To Small Businesses To Work On Ideas For The Defense Department
Funds early stage research and development by small businesses that support USSOCOM's mission of developing and acquiring unique special operations forces equipment, material, supplies, and services. USSOCOM's Small Business Innovative Research Program typically provides up to $100,000 over the course of six months for Phase I projects (for a feasibility study to evaluate the scientific and technical merit of an idea) and up to $750,000 over the course of two years for Phase II awards (demonstration phase in which prototypes are built and tested). For general inquiries, contact the DoD SBIR Help Desk by phone (800-382-4634) or by email (sbirhelp@teltech.com). In addition to following DoD-wide instructions in the program solicitation, proposers must also follow USSOCOM's instructions for submission of proposals. Specific requirements and guidelines can be found at the website listed below. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. Only awardees in Phase I are eligible to participate in Phase II (by invitation only). Contact Department of Defense - USSOCOM (United States Special Operations Command), Karen L. Pera, SBIR Program Coordinator, U.S. Special Operations Command, 7701 Tampa Point Blvd. SOAL-KS, MacDill AFB, FL 33621; 813-840-5514; Fax: 813-840-5481; {Perak@sosom.mil}; {www.socom.mil}.
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$750,000 Grant To Small Businesses To Work On Health Related Ideas
Supports creative advanced research in the biomedical or behavioral research areas that encourage the conversion of Government-funded research in a commercial application. Awards stimulate technological participation and innovation by small businesses as well as minority, disabled, and other disadvantaged individuals. Proposals are accepted on a solicitation only basis (see website below for calls for proposals). Support under the Small Business Innovative Research Program is normally provided for six months and up to $100,000 for Phase I projects (to explore the feasibility of innovative concepts) and two years and up to $750,000 for Phase II awards (principal research and development effort). Applications for both Phase I and Phase II grants should be mailed to the address listed below. A detailed online guide for application requirements and procedures can be found at: {grants.nih.gov/grants/funding/sbirgrantsmanship.pdf}. Unsolicited proposals will not be accepted. Only businesses that are independently owned, controlled, and operated for-profit and with 500 or less employees are eligible to apply. Each organization submitting a proposal must qualify as a small business for research and development purposes. The primary employment of the principal investigator must be with the small business at the time of the award. Contact the Department of Health and Human Services - National Institutes of Health, Bruce Butram, Grants Management Officer, Center for Scientific Research, NIH, 6701 Rockledge Dr., Rm. 1040-MSC 7710, Bethesda, MD 20892; 301-435-0715; Fax: 301-480-1987; {grantsinfo@nih.gov}; {grants.nih.gov/grants/funding/sbir.htm}.
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$500,000 Low Interest Loan To Apple Producers
Provides loans to apple producers who are suffering hardships due to low prices. Pays costs associated with reorganizing a farm to improve profitability, purchase equipment, make capital improvements, refinance debt, pay annual operating expenses, or acquire, enlarge, or lease a farm. Eligible applicants may obtain loans up to $300 per acre of apple trees in production in 1999 or 2000, up to a maximum of $500,000. Maximum repayment term is 3 years, and the interest rate is based on government borrowing costs. Applications may be mailed to address below or submitted to local FSA Office. Contact state office listed below for referral to appropriate regional/county office. Applicant must have produced apples for market in either 1999 or 2000, with a minimum of 10 acres in production in either of those years. Applicant must have acceptable credit history and demonstrate the ability to repay the loan. Contact Farm Service Agency, U.S. Department of Agriculture, Carolyn Prince, Program Manager, 8335 Guilford Rd., Suite E, Columbia, MD 21046; 410-381-4550; Fax: 410-962-4860; {Maryland.state@bbs.usda.gov}; {www.fsa.usda.gov/pas/publications/facts/html/apple00.htm}.
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Help for Employers Dealing With WTC Tragedy
Safe Horizon, New York City's leading victim assistance organization since 1978, is continuing their mission to provide support, prevent violence, and promote justice for victims of crime and abuse, their families and communities by responding the special needs of the victims of the World Trade Center Tragedy. Safe Horizons is offering assistance to businesses and organizations whose employees are experiencing trauma and other related issues as a result of the attack. Their Trained Crisis response Teams are available to meet with staff, provide group support sessions, and consult with human resource professionals regarding counseling and referrals to additional health and practical services. Contact Safe Horizon, 800-621-HOPE; 212-577-7777; {http://www.safehorizon.org/}.
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Lack Funds, Credit? Try Bartering!
The Manhattan-based company, Barter Advantage Inc., has offered companies affected by the terrorist attacks on the World Trade Center the opportunity to barter for equipment or services. Lois Dale, Barter Advantage's chief executive officer, states that the company will waive its usual $600 membership fee for the first year for those businesses affected by the recent tragedy. Barter Advantage will assist companies that need advertising, graphic design, public relations, alarm systems, cell phones, carpeting, tiles, computer repair, office furniture, meet space, printing, painting contractors, messenger services, and chemicals. Affected businesses can request equipment or services, and later, swap their own machinery or services into Barter Advantage's system. Contact Barter Advantage, Inc., 1751 2nd Ave, New York, NY 10128; 212-860-2000.
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Meeting Space Offered in New York City for Affected Businesses
The New York Women in Film and Television, a nonprofit membership organization dedicated to helping women reach the highest level of achievement in film and television, has a meeting room (seating capacity 21-25) that they are willing to donate for use by downtown groups that have been affected by the crisis Contact New York Women in Film and Television, 6 East 39th St, #1200, New York, NY 10016; 212-679-0874; Fax: 212-679-0899; Contact: Terry Lawler; {E-Mail: tlawler@nywift.org}; {www.nywift.org}.
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IT Company Offers Free Service to Businesses Affected by Tragedy
KeyBridge Corporation is a global company based in Washington, D.C. that specializes in Web hosting and managed Internet services. They are offering their resources to help those businesses that have been affected by the recent tragedy. They are offering temporary, free email and Web services with no obligation to businesses trying to rebuild crippled IT infrastructures. They are willing to offer these services to multinationals and domestic companies, large and small. Contact KeyBridge Corporation, 12369 Sunrise Valley Drive, Reston, VA 22091; Contact: Beth La Guardia; 888-249-3513; {www.keybridge.com}.
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Free Office Space
Totus Office Solutions of Melville New York is offering one month of free office space at the Melville Corporate Center to companies displaced by the attack on the World Trade Center. Contact Totus Office Solutions,
back to top The Melville Corporate Center, 105 Maxess Road, Melville, NY 11747; 516-574-4400; {www.totusoffice.com}.

Free Help Restoring Computer Services
Computer Associates International, Inc. (NYSE: CA) delivers the software that manages eBusiness. CA's world-class solutions address all aspects of eBusiness process management, information management, and infrastructure management in six focus areas: enterprise management, security, storage, eBusiness transformation and integration, portal and knowledge management, and predictive analysis and visualization. Their SWAT (Software Action Teams) teams are standing by to assist businesses affected by tragedy, on a pro-bono basis, with the restoration of data and computing services. Contact Computer Associates International, Inc., One Computer Associates Plaza, Islandia, NY 11749; 631-342-5224; 800-225-5224; Fax: 631-342-5329; {www.cai.com/about.htm}.
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Free Messaging System Offered to Businesses Affected by the Attacks

Microsoft NYC and Mi8 Corporation are offering free services to companies affected by the attacks on the World Trade Center and the Pentagon, and to nonprofit and government organizations involved in the relief efforts. The services consist of an advanced messaging system based on Microsoft Exchange server. This system offers email, contact management, a storage system for documents and other electronic materials, and much more. Mi8 will help companies set up these free accounts with Internet access and will support the users as they learn to use the system. The offer is 90 days of free service with no upfront costs and no commitments, and is designed to help both organizations that have lost infrastructure and are struggling to continue business operations, and the relief organizations. Contact Carlos Lorenzo or Brad Kern by phone or email. Contact Mi8 Corporation, 601 W 28th Street 11th Floor, New York, NY 10016; 800-965-4648; {E-Mail: support@Mi8.com}.
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Support Offered to Displaced Nonprofits
In an effort to assist New York nonprofit organizations that have temporarily lost the use of their computer equipment or Internet access due to the recent tragic events, the Foundation Center is offering free use of its computer lab in the New York library and learning center during normal business hours. The lab is equipped with 22 computers running Microsoft Office Suite software and with high-speed Internet connections. Pre-registration is not required, although nonprofits will be asked to sign in at the reception desk. Contact The Foundation Center, 79 Fifth Avenue, New York, NY; 212-807-2411; Contact: Charlotte Dion.; {E-Mail: cd@fdcenter.org}; {www.fdcenter.org}.
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Free Bookkeeping Services
JMT Consulting serves nonprofit organizations exclusively, providing technology, bookkeeping, and accounting services. They are offering pro bono assistance to any organization that was impacted by the September 11th attacks by setting up the organizations' books on their system and keeping the books for 30-60 days. They will also provide hardware/software at their cost, to set up the systems as the organization gets started again Contact JMT Consulting, Jacqueline Tiso, 2022 Route 22, #105, Brewster, NY 10509; 845-278-9262; Fax: 845-278-9266; {E-Mail: info@jmtconsulting.com}; {www.jmtconsuting.com}.
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Free Consulting Services for Businesses Needing Technology Assistance
The Fund for the City of New York is a privately operating foundation with the mandate to improve the quality of life for all New Yorkers by advancing the functioning of government and nonprofit organizations in New York City. They are making their consulting services available free of charge to any nonprofit organization in need of disaster-related technology assistance. This assistance can include the development of emergency websites, relocation assistance, or any technology needs. To request this assistance, contact Alicia Altmueller at 212-925-6705, email: aaltmueller@fcny.org or Joshua Peskay at 917-747-1154, {email: jpeskay@fcny.org}. Contact The Fund for the City of New York, 121 Sixth Avenue, 6th Floor, New York, NY 10013; 212-924-6675; Fax: 212-219-2580; {E-Mail: info@fcny.org}; {www.fcny.org}.
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Free Insurance Assistance Offered to Businesses
American Corporate Benefits, Inc., a consulting firm for the design and implementation of cost effective employee benefit programs, will assist any nonprofit with any issue relating to the World Trade Center tragedy. This includes life and health insurance issues, pension and 403(b) concerns, consulting services and claim assistance, all free of charge. Contact American Corporate Benefits, Richard Allen, President., 45 Wall Street, New York, NY 10005; 212-843-2344; Fax: 212-843-2711; {E-Mail: acbi@acbi.com}; {www.acbi.com}.
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Free Stress Relief and Bereavement Counseling for Businesses
Healing Works, a nonprofit dedicated to providing holistic healthcare and education to people in need, offers free stress relief and bereavement counseling services for staff of social service agencies and other nonprofit groups in NYC. Through our Care to the Caregivers program, Healing Works offers full day wellness retreats at the Wellness Center. They are also able to arrange special workshops at an agency's site. Most recently, they are holding special full day retreats of healing and remembrance for staff dealing with the crisis produced by the World Trade Center bombings. Contact Healing Works, 244 Fifth Avenue, 6th Floor, New York, NY 10001; Contact: Ann Paiva; 212-696-9144; Fax: 212-696-9171; {E-Mail: info@healingworks.org}; {www.healingworks.org}.
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Money For A Big Or Small Business:
The Best Starting Places For Starting A Business
Small Business Development Centers (SBDCs) could be the best deal the government has to offer to entrepreneurs and inventors, and a lot of people don't even know about them! Where else in the world can you have access to a $150 an hour consultant for free? There are over 700 of these offices all over the country and they offer free (or very low cost) consulting services on most aspects of business including:

* how to write a business plan
* how to get financing
* how to protect your invention
* how to sell your idea
* how to license your product
* how to comply with the laws
* how to write a contract
* how to sell overseas
* how to get government contracts
* how to help you buy the right equipment

You don't even have to know how to spell ENTREPRENEUR to contact these offices. They cater to both the dreamer, who doesn't even know where to start, as well as to the experienced small business that is trying to grow to the next stage of development. In other words, the complete novice or the experienced professional can find help through these centers. Why spend money on a consultant, a lawyer, an accountant, or one of those invention companies when you can get it all for free at your local SBDC?Recently, I spoke with some entrepreneurs who used a California SBDC and each of them had nothing but praise for the services. A young man who dropped out of college to start an executive cleaning business said he received over $8,000 worth of free legal advice from the center and said it was instrumental in getting his business off the ground. A woman who worked in a bank started her gourmet cookie business by using the SBDC to help her get the money and technical assistance needed to get her venture up and running. And a man who was a gymnast raved about how the SBDC helped him get his personal trainer business off the ground. All kinds of businesses being started, and all kinds of compliments for the SBDC's role in assisting these entrepreneurs, in whatever they are attempting. It sounds like a solid recommendation to me. Can something that is free be so good? Of course it can. Because most of the people who work there are not volunteers, they are paid for by tax dollars. So it's really not free to us as a country, but it is free to you as an entrepreneur. And if you don't believe me that the SBDCs are so good, would you take the word of Professor James J. Chrisman from the University of Calgary in Calgary, Alberta, Canada? He was commissioned to do an independent study of SBDCs and found that 82% of the people who used their services found them beneficial. And the businesses who used SBDCs had average growth rates of up to 400% greater than all the other businesses in their area. Not bad. Compare this to the Fortune 500 companies who use the most expensive consulting firms in the country and only experience growth rates of 5% or less. So, who says you get what you pay for?
Check with your state Economic Development Office to find your local Samll Business Development Center..
Get $100 to $25,000 To Start A Little Business
A recent survey showed that approximately 33% of the top 500 fastest growing small businesses in the U.S. started with less than $10,000. It doesn't take much money to start a business in today's information age and service economy. We're no longer in the manufacturing age, when you needed a lot of money to start a business because you needed to buy an expensive plant and costly equipment. Today, many businesses are started with nothing more than a phone, a desk, and business cards. Traditional government money programs required entrepreneurs to ask for at least $50,000 to $100,000. Now the government has set up Microenterprise Programs where you can ask for just a small amount of money to make that big change in your life.
A Growing Unknown Resource
These programs are continually growing. They seem so successful that policy makers are finding new ways to help them grow. But this growth and success seems to be causing as many problems as the opportunities they are creating. On one hand, the SBA programs recently increased the number of banks that participate in its microloan program from 100 to 200 and also added a subcategory of lenders to include for profit and nonprofit organizations. Grants under this program will increase from $45 million in 1995 to $98 million in 1997, and direct loans will increase from $120 million to $250 million during the same period. But, on the other hand, I read that programs like the one at the U.S. Department of Housing and Urban Development fell short of their quota by $1.5 billion because not enough people applied. This means that the poor bureaucrats administering the program couldn't give out all their money because not enough people applied. I even got a personal call from a local organization who had $50,000 of this money for someone to open up a bakery, and no one applied for it.
66% Chance of Being a Microloan Winner
Each year thousands of people will be getting microloans to start or expand their businesses. Although data is not available for every program, one of the major microloan lenders estimates that 66% of the people who apply for money, get it. Here are a few examples of recent recipients:
* $5,000 to Street Smart, Inc., a street-hockey equipment distributor in Southeastern Pennsylvania
* $25,000 to Med-Ex Medical Express, a courier service that specializes in the health care field
* $15,000 to Jeannette Saunders and Pamela Marshall of Sacramento, CA to start P&J Word Processing Service
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Up To $10,000 For Refugees
Refugees can receive technical assistance, training, or loans of up to $10,000 through a program called the Microenterprise Development Project. The program allows states and public or private, nonprofit organizations and institutions to apply to receive grants to develop and administer microenterprise programs consisting of small-scale financing ($10,000) available through microloans to refugees. It also includes funding for technical assistance and support to these refugee entrepreneurs. For information on organizations which were awarded grants, contact ORR/Division of Community Resettlement, 370 L'Enfant Promenade, SW Sixth Floor, Washington, DC 20447; 202-401-9246.
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Your State Can Get You Money
This is the second largest component of the Community Development Block Grant (CDBG) program and aids communities that do not qualify for assistance under the CDBG entitlement program. The grants assist communities in carrying out a wide range of community development activities directed toward neighborhood revitalization, economic development, and the provision of improved community facilities and services. Funds can also be used to provide assistance to public and private organizations, agencies, and other entities (including nonprofits and for-profits to facilitate economic development in supporting microenterprise). Funds can be used to establish credit (direct loans and loan guarantees, revolving loan funds, and more) for the stabilization and expansion of microenterprises; provide technical assistance, advice, and business support services to owners of microenterprises; and provide general support to owners of microenterprises and organizations developing microenterprises. If you are an interested citizen, you should contact your local officials for more information. If your local government or state officials cannot answer your questions, you may wish to contact the HUD Field Office that services your area (see page 642). Be aware that the state administers the program and determines which local projects receive funding. You can also contact: Community Connections, Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898-7189; 800-998-9999.
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Public Housing Entrepreneurs
Call yourself a handyman and get money to fix up your neighborhood. Money is set aside to give to public housing residents to modernize existing public housing projects. The money can also be used to provide residents with on-the-job training in construction and contractor related trades. It's called the Comprehensive Grant Program, and is available to Public Housing Agencies of 250 housing units or more, which includes 897 public housing agencies nationwide. Contact your local Public Housing Authority for more information, or you may contact U.S. Department of Housing and Urban Development, Deputy Dirrector of Resident Initiative, 451 Seventh Street, SW, Room 4112, Washington, DC 20410; 202-619-8201.
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State Microloan Programs
In addition to the federal programs, many state governments are also putting their money into microloan opportunities. Here are a few microloan programs that are currently available at the state level:
* Iowa - Self Employment Loan Program ($5,000 for low income)
* Maine - Job Start Program ($10,000)
* New York - Micro Loan Program - NY Job Development
* North Dakota - Micro Business Loans
* Ohio - Ohio Mini-Loan Program
* South Carolina - MicroEnterprise Loan Program
* Texas - Rural Microenterprise Loan Program
New programs are being added all the time, so be sure to contact your state capital for the most current information. Contact your state Office of Economic Development listed in the blue pages of your phone book.
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Money To Start A Business In A Small Town
The Intermediary Relending Program (IRP) is a rural development program administered by the Rural Business Cooperative Service (RBS). The purpose is to provide loans for the establishment of new businesses, expansion of existing businesses, creation of new employment opportunities, saving of existing jobs, and funds to recipients for business facilities or community development projects in rural areas. Loans are made to intermediaries who relend funds to recipients for business facilities or community development. You can borrow up to $150,000 with a maximum term of 30 years and an interest rate of one percent per annum. For further information on these programs, contact your local Rural Development Office. Look in the blue pages of your telephone book under U.S. Department of Agriculture, contact your state information operator, or contact the main office at Rural-Business-Cooperative Service, 1400 Independence Avenue, SW, Room 5050, South Building, Washington, DC 20250, 202-720-1019, {www.rurdev.usda.gov/rbs/oa/oadir.htm}.
Active/Approved IRP Loans
Alabama

Contact the USDA Rural Development office closest to you
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Alaska
*Alaska Village Initiatives
1577 C Street #304
Anchorage, AK 99501
907-274-5400
* Tanana Chiefs Conference
122 1st Avenue
Fairbanks, AK 99705
907-452-8251
* Juneau Economic Development Council
612 W. Willoughby Ave., Suite A
Juneau, AK 99801-1732
907-463-3662
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Arizona
*Business Development Finance Corporation (BDFC)
186 East Broadway Boulevard
Tucson, AZ 85701
520-722-5626
* Northern Arizona Council of Governments (NACOG)
119 East Aspen Avenue
Flagstaff, AZ 86001-5296
520-774-1895
*PEEP Microbusiness
806 East 46th Street
Tucson, AZ 85713
520-622-3553
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Arkansas
*Arkansas Capital Relending Corporation
225 South Pulaski Street
Little Rock, AR 72201
501-374-9247
* Arkansas Development Finance Authority
100 Main Street, Suite 200
Little Rock, AR 72201
501-682-5900
* Arkansas Enterprise Group
708 Clinton Street
Suite 111
Arkadelphia, AR 71732
870-246-9739
* Arkansas Land and Farm Development Corporation
Rt. 2, Box 291
Brinkley, AR 72012
870-734-1140
* Community Resource Group
38 West Trenton Boulevard
Fayetteville, AR 72701
501-443-2700
Fax: 501-443-5036
* Delta Community Development Corporation
335 West Broadway Street
Forrest City, AR 72335
870-633-9112
*East Arkansas Planning and Development District
P.O. Box 1403
Jonesboro, AR 72403
870-932-3957
*Mississippi County AR Economic Opportunity Commission
2513 Atlanta
Blytheville, AR 72315
870-532-2348
*Southwest Arkansas Planning and Development District
P.O. Box 767
Magnolia, AR 71753
870-234-4030
* White River Planning and Development District
P.O. Box 2396
Batesville, AR 72503
870-793-5233
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California
*Arcata Economic Development Corporation
Aldergrove Industrial Park
100 Ericson Court, Suite 100
Arcarta, CA 95521
707-822-4616
Fax: 707-822-8982
*CDC Small Business Finance Corporation
1224 State Street, Suite C
El Centro, CA 92243
760-353-3095
Fax: 760-353-0305
* California Capital Small Business Development Corporation
926 J Street, Suite 1500
Sacramento, CA 95814
916-442-1729
Fax: 916-442-7852
* California Coastal Rural Development Corporation
221 Main Street, Suite 301
Salinas, CA 93901
831-424-1099
Fax: 831-424-1094
Santa Cruz
831-459-6095
Fax: 831-459-6097
* California Statewide Certified Development Corporation
129 "C" Street
Davis, CA 95616
530-756-9310
Fax: 530-756-7519
* Crown Economic Development Corporation
1222 W. Lacey Blvd., Suite 101
Hanford, CA 93230
209-582-4326
209-582-7908
* Del Norte Economic Development Corporation
882 "H" Street
P.O. Box 728
Crescent City, CA 95531
707-464-2169
Fax: 707-464-3561
* Lake County Business Outreach & Response Team
4615 Work Right Circle
Suite B
Lakeport, CA 95453
707-262-1090
Fax: 707-262-1092
* Rural Community Assistance Corporation
2125 19th Street, Suite 203
Sacramento, CA 95818
916-447-2854
Fax: 916-447-2878
* SAFE-BIDCO
1626 Fourth Street
Santa Rosa, CA 95404
707-577-8621
Fax: 707-577-7348
* Tri-Agency
P.O. Box 473
Crescent City, CA 95531
707-464-7288
* Superior California EDD
737 Auditorium Drive, Suite A
Redding, CA 96001
530-225-2769
* Tri-County Economic Development Corporation
2540 Esplanade, Suite 7
Chico, CA 95973
530-893-8732
Fax: 530-893-0820
* Valley Small Business Development Corporation
3417 W. Shaw, Suite 100
Fresno, CA 93711
559-271-9030
Fax: 559-271-9078
* Yuba-Sutter E.D.C.
422 Century Park Drive, Suite B
Yuba City, CA 95991
530-751-8555
Fax: 530-751-8515
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Colorado
*The Colorado Housing & Finance Authority
1981 Blake Street
Denver, CO 80202
303-297-2432
800-877-CHFA
TDD: 303-297-7305
* Mercy Housing, Inc.
601 East 18th Avenue #150
Denver, CO 80203
303-393-3908
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Connecticut
Contact the USDA Rural Development office closest to you
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Delaware
Contact the USDA Rural Development office closest to you
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Florida
*Jackson County Development Council
P.O. Box 920
Moriama, FL 32447
850-526-4005
* Community Equity Investments, Inc.
302 North Barcelona Street
Pensacola, FL 32501
850-595-6234
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Georgia
*Central Savannah River Area Rural Lending Authority, Inc.
2123 Wrightsboro Road
Augusta, GA 30914
706-737-1823
* Coastal Area District Development Authority
1313 New Castle Street, 2nd Floor
Brunswick, GA 31520
912-261-2500
* Development Corporation of Middle Georgia
600 Grand Building
651 Mulberry Street
Macon, GA 31201
912-751-6160
* Georgia Mountains Regional Economic Development Corporation
1010 Ridge Road
Gainesville, GA 30501
404-536-3431
* Middle Flint Area Development Corporation
228 West Lamar
Americus, GA 31709
912-931-2909
* South Georgia Area Resource Development Agency, Inc.
327 West Savannah Avenue
Valdosta, GA 31601
912-333-5277
* Fort Valley State University Foundation
Rural Business Outreach Institute
10005 State University Drive
Fort Valley, GA 31030
912-825-6060
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Hawaii
*Lokahi Pacific
1935 Main Street, Suite 204
Wailuku, HI 96793
808-242-5761
Fax: 808-244-2057
* Molokai Ranch Foundation
55 Merchant Street, Suite 2000
Honolulu, HI 96813
808-531-0158
Fax: 808-531-2279
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Idaho
*Panhandle Area Council
Planning & Development Association
11100 Airport Drive
10624 W. Executive Drive
Hayden Lake, ID 83835
Boise, ID 83713
208-772-0584
208-322-7033
* East Central Idaho Planning and Development
Southeast Idaho Council of Governments
P.O. Box 330
310 N 2nd East
Rexburg, ID 83440
208-356-4524
* Clearwater Economic Development Association
1626 6th Avenue, North
Lewiston, ID 83501
208-746-0015
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Illinois
*South Central Illinois Regional Planning and Development Commission
120 Delmar Avenue, Suite A
Salem, IL 62881-2006
618-548-4234
* City of Olney
300 South Whittle Avenue
Olney, IL 62450
618-395-7302
* City of Flora
P.O. Box 249
151 North Sycamore Street
Flora, IL 62838
618-662-8313
* Illinois Development Finance Authority
150 Pleasant Hill Road
Box 46
Carbondale, IL 62901
618-453-5566
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Indiana
*City of Tell City
P.O. Box 515
City Hall Building
Tell City, IN 46586
812-547-5511
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Iowa
*Dubuque County
720 Central Avenue
Dubuque, IA 52001
319-589-4441
* Albia Industrial Development Corporation
6 South Main
Albia, IA 52531
515-932-7053
* Upper Explore Land Regional Planning Commission
134 West Green Street
P.O. Box 219
Postville, IA 52162
319-864-7551
* Butler County Rural Electric Cooperative
428 6th Street
Allison, IA 50602
319-267-2858
* Cherokee Area Economic Development Association
418 West Cedar Street
Cherokee, IA 51012-1340
712-225-5739
* Humbolt County Development Association
Courthouse Box 100
Dakota City, IA 50529-0100
515-332-5205
* Newton Development Corporation
113 First Avenue West
Newton, IA 50208
800-792-1737
* Wright County
P.O. Box 214
Clarion, IA 50525
515-532-6422
* Sheldon Community Development Corporation
P.O. Box 276
Sheldon, IA 51201
712-324-2813
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Kansas
*South Central Kansas Economic Development District (SCKEDD)
151 North Volutsia
Wichita, KS 67214
316-683-4422
* Great Plains Development Inc. (GPDI)
100 Military Plaza
Dodge City, KS 67801
316-227-6406
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Kentucky
*Appalachian Investment Corporation
431 Chestnut Street, Suite 7
Berea, KY 40403
606-986-2375
* Buffalo Trace Area Development District
327 West 2nd Street
P.O. Box 460
Maysville, KY 41056
606-564-6894
* Barren River Area Development District
177 Graham Avenue
P.O. Box 90005
Bowling Green, KY 42102-9005
502-781-2381
Fax: 502-842-0768
* Harlan Revitalization Association, Inc.
P.O. Box 1709
Harlan, KY 40831
606-573-7698
* Kentucky Highlands Investment Corporation
400 South Main Street
London, KY 47476
606-864-5175
* Pennyrile Area Development District
300 Hammond Drive
Hopkinsville, KY 42240
502-886-9484
Fax: 502-886-3211
*Purchase Area Development District
1002 Medical Drive
P.O. Box 588
Maysfield, KY 4206
502-247-7171
Fax: 502-247-9000
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Louisiana
*Evangeline Economic & Planning District
P.O. Box 90070
Lafayette, LA 70509
318-233-3215
* Coordinating & Development Corporation
P.O. Box 37005
Shreveport, LA 71133-7005
318-632-2022
* Dixie Electric Membership Corporation
16262 Wax Road
Greenwell Springs, LA 70739
504-261-1221
* Kisatchie-Delta Regional Planning & Development
P.O. Box 12248
Alexandria, LA 71315-2248
318-487-5454
* Macon Ridge Economic Development Region
P.O. Drawer 746
Ferriday, LA 71334-0746
318-757-3033
* Minden/South Webster Chamber of Commerce
P.O. Box 819
Minden, LA 71058
318-377-4240
* North Delta Regional Planning & Development District
2115 Justice Street
Monroe, LA 71201
318-387-2572
* Northeast Louisiana Delta Community Development Center
P.O. Box 1149
Tallulah, LA 71282
318-574-0995
* University Community Development Corporation
7990 Scenic Highway
Baton Rouge, LA 70807
504-775-8146
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Maine
*Northern Maine Development Commission
P.O. Box 779
Caribou, ME 04736
207-427-8736
800-427-8736
Fax: 207-493-3108
* Growth Finance Corporation of Oxford Hills
166 Main Street
South Paris, ME 04281
207-743-8830
Fax: 207-743-5917
* Androscoggin Valley Council of Governments
125 Manley Road
Auburn, ME 04210
207-783-9186
Fax: 207-783-5211
* Lewiston-Auburn Economic Growth Council
P.O. Box 1188
Lewiston, ME 04243-1188
207-784-0161
Fax: 207-786-4412
* Finance Authority of Maine
P.O. Box 949
Augusta, ME 04333-0949
207-623-3263
Fax: 207-623-0095
* Caribou Development
60 Sweden Street
Caribou, ME 04736-2320
207-493-4233
800-477-1082
Fax: 207-492-1362
* Eastern Maine Development Corporation
P.O. Box 2579
Bangor, ME 04402-2579
207-942-6389
Fax: 207-942-3548
* Kennebec Valley Council of Governments
17 Main Street
Fairfield, ME 04937-1119
207-453-4258
Fax: 207-453-4264
* Beddeford-Saco Development Corporation
110 Main Street, Suite 1202
Saco, ME 04072
207-282-1748
Fax: 207-282-3149
* Coastal Enterprises, Inc.
P.O. Box 268
Wiscasset, ME 04578-0268
207-882-7552
Fax: 207-882-7308
* Town of Lisbon
P.O. Box 8
Lisbon, ME 04525
207-353-3007
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Massachusetts
*Franklin County Community Development Corporation
324 Wells Street
Greenfield, MA 01301
413-774-7404
* Cape & Islands Community Development, Inc.
480 Barnstable Road
Hyannis, MA 02601
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Michigan
*Cornerstone Alliance
38 West Wall Street
P.O. Box 428
Benton Harbor, MI 49203
616-925-6100
* First Rural Relending Co.
130 South Cedar Street
Manistique, MI 49854
906-753-2225
* Fivecap, Inc.
302 North Main Street
Scottville, MI 49454
616-757-3785
* Great Lakes Energy Cooperative
P.O. Box 70
Boyne City, MI 49712-0070
800-748-0121
616-582-6521
* Marquette County
417 A. Avenue
Gwinn, MI 498413
906-346-3137
* Muskegon Heights
City of EDC
3635 South Carr Road
Fruitport, MI 49415
616-788-3700
* Northern Initiatives Corporation
228 West Washington
Marquette, MI 49855
906-228-5571
* Northern MI Foundation
P.O. Box 1569
Acme, MI 49610
616-938-4409
800-652-4326
* Rural MI IRP Co.
121 East Front Street, Suite 201
Traverse City, MI 49783
616-941-5858
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Minnesota
*Benton County
531 Dewey Street
Foley, MN 56239
320-968-6254
Fax: 320-968-7626
* Blooming Prairie EDA
City Hall
P.O. Box 68
Blooming Prairie, MN 55911
507-583-7573
Fax: 507-583-4520
* Caledonia Economic Development Authority
231 East Main Street
P.O. Box 68
Caledonia, MN 55921
507-724-3632
* Initiative Foundation
700 SSE First Avenue
Little Falls, MN 56345
320-632-9255
Fax: 320-632-9258
* Community Development of Morrison City, Inc.
107 SE 2nd Street
P.O. Box 356
Little Falls, MN 56345
320-632-5466
* City of Crookston
124 North Broadway
Crookston, MN 56716
218-281-4503
Fax: 218-281-5609
* Detroit Lakes Development Authority
1025 Roosevelt Avenue
Detroit Lakes, MN 56501
218-847-5658
* Development Corporation of Austin (DCA)
1900 8th Avenue, NW
Austin, MN 55912
507-433-0345
* East Central Regional Development Commission
100 Park Street
Mora, MN 55051
320-679-4065
Fax: 320-679-4120
* City of East Grand Forks
P.O. Box 373
East Grand Forks, MN 56721
218-773-8939
* City of Fergus Falls
112 West Washington
P.O. Box 868
Fergus Falls, MN 56538-0868
218-739-2251
* City of Fosston
220 East First Street
Fosston, MN 56542
218-435-1377
Fax: 218-435-1961
* Housing & Redevelopment Authority In and For the City of Willmar
333 SW 6th Street
Willmar, MN 56201
320-235-8637
* Lakefield Economic Development Authority
City Hall
P.O. Box 900
Lakefield, MN 56150
507-662-5457
Fax: 507-662-5990
* City of McIntosh
115 Broadway NW
McIntosh, MN 56553
218-563-3043
Fax: 218-563-3042
* Meeker County Development Corporation
325 North Sibley Avenue
Litchfield, MN 55355
320-693-5272
Fax: 320-693-5444
* Midwest Minnesota Community Development Corporation
P.O. Box 623
Washington Square Mall
Detroit Lakes, MN 56501-0623
218-847-3191
Fax: 218-847-3192
* Minnesota's Community Development Corporation
P.O. Box 509
Park Rapids, MN 56570
218-732-3677
Fax: 218-732-8985
* Northland Foundation
610 Sellwood Building
202 West Superior Street
Duluth, MN 55802
218-723-4040
* Northwest Minnesota Foundation
4225 Technology Drive NW
Bemidji, MN 56601
218-759-5057
Fax: 218-759-2328
* City of Perham
125 Second Avenue NE
P.O. Box 130
Perham, MN 56573
218-346-9798
Fax: 218-346-9364
* Prairieland Economic Development Corporation
2401 Broadway Avenue, Suite 3
Slayton, MN 56172-1142
507-836-6656
Fax 507-836-8866
* Red Lake Falls Development Corporation
201 Second Street
P.O. Box 280
Red Lakes Falls, MN 56750
218-253-2143
* Red Wing Port Authority
433 West Third Street
Red Wing, MN 55066
612-388-4781
* The Initiative Fund
540 West Hills Circle
P.O. Box 570
Owatonna, MN 55060
507-455-3215
Fax: 507-455-2098
* Southwest Minnesota Foundation
P.O. Box 428
Hutchinson, MN 55355
320-587-4848
Fax: 320-587-3838
* Stevens County Economic Improvement Commission
507 Oregon Avenue
Morris, MN 56267
320-589-2609
Fax: 320-589-4814
* West Central Minnesota Initiative Fund
220 W. Washington Ave., Suite 205
Ferrous Falls, MN 56537
218-739-2239
Fax: 218-739-5381
* Wheaton Economic Development Authority
104 Ninth Street North
P.O. Box 868
Wheaton, MN 56296
320-563-4110
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Mississippi
*Northeast MS Planning & Development District
P.O. Box 600
Booneville, MS 38829
601-728-6248
* South Delta Planning & Development District
P.O. Box 1776
Greenville, MS 38702
601-378-3831
* Southwest MS Planning & Development District
110 South Wall Street
Natchez, MS 39120
601-446-6044
* Three Rivers Planning & Development District
75 South Main
P.O. Drawer B
Pontotoc, MS 38863
601-489-2415
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Missouri
*Rural Missouri, Inc.
1014 Northeast Drive
Jefferson City, MO 65109
573-635-0136
* Green Hills Rural Development, Inc.
900 Main Street
Trenton, MO 64683
660-359-5086
* NW Development Corporation
P.O. Box 565
Camron, MO 64429
816-632-2121
* North Central Missouri Rural Housing Development Corp.
P.O. Box 220
Mylan, MO 63556
660-265-4404
* Knox County Community Development Corporation
104 East Jackson Street
Edina, MO 63537-1335
816-397-2509
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Montana
*Bear Paw Development Corporation
P.O. Box 1549
Harve, MT 59501
406-265-9226
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Nebraska
*Nebraska Economic Development Corporation (NEDCO)
2631 "O" Street
Lincoln, NE 68510
402-475-2795
* Southeast Nebraska Development District (SENDD)
2631 "O" Street
Lincoln, NE 68510
402-475-2560
* West Central Nebraska Development District (WCNDD)
P.O. Box 599
Ogallala, NE 69153
308-284-6077
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Nevada
*Rural Nevada Development Corporation (RNDC)
740 Park Avenue
Ely, NV 89301
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New Hampshire
*Belknap County Economic Development Council
64 Court Street
Laconia, NH 03246
603-524-3057
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New Jersey
*South Jersey Economic Development District
18 N. East Avenue
Vineland, NJ 08360
856-794-8497
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New Mexico
*New Mexico Community Development Loan Fund
700 4th Street SW
Albuquerque, NM 87102
505-243-3196
505-243-8803
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New York
*Adirondack Economic Development Corporation
Trudeau Road
Saranac Lake, NY 12983
518-891-5523
Fax: 518-891-9820
* COMCO Development Corporation
572 S. Salina Street
Syracuse, NY 13202
315-470-1888
* Lake Champlain-Lake George Regional Development Corporation
Amherst Street
Lake George, NY 12845
518-668-5773
* Herkimer County Industrial Development Agency
P.O. Box 390
4301 North Washington St., Room 434
Herkimer, NY
315-867-1373
* New York Job Development Authority
605 3rd Avenue, 26th Floor
New York, NY 10158
518-474-7580
* North Country Alliance Local Development Corporation
317 Washington Street
Watertown, NY 13601
315-785-2593
* REDEC Relending Corporation
145 Village Square
Painted Post, NY 14807
604-962-3021
* Rural Opportunities, Inc.
400 East Avenue
Rochester, NY 14607
716-546-7180
* Southern Tier Enterprise Development Organization
465 Broad Street
Salamanca, NY 14779
716-945-5301
* Tioga County Local Development Corporation
County Building
56 Main Street
Owego, NY 13827
607-687-8255
* Washington County Local Development Corporation
Washington County Municipal Center
383 Broadway
Fort Edward, NY 12828
518-746-2292
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North Carolina
*Dunn Area Committee of 100, Inc.
600 South Magnolia Avenue
Dunn, NC 28334
910-892-2884
* Self Help Ventures Fund
301 West Main Street
Durham, NC 27701
919-956-4400
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North Dakota
*Lake Agassiz Regional Development Corporation
417 Main Avenue
Fargo, ND 58018
701-239-5373
* Lewis & Clark Regional Development Council
400 E. Broadway Ave., Suite 418
Bismarck, ND 58501
701-255-4591
* Roosevelt Custer Regional Council
Pulver Hall
Dickinson, ND 58601
701-277-1241
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Ohio
*Ashtabula County 503 Corporation
36 West Walnut Street
Jefferson, OH 44047
216-576-3759
* Enterprise Development Corporation
900 East State Street, Suite 101
Athens, OH 45701
614-592-1188
* Mahoning Valley Economic Development Corporation
4319 Belmont Avenue
Youngstown, OH 44505
330-759-3668
* Portage Area Development Corporation
231 West Main Street
Ravenn, OH 44266
330-297-6400
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Oklahoma
*Central Oklahoma Economic Development District
400 North Bell
P.O. Box 3398
Shawnee, OK 74802-3398
405-273-6410
* Little Dixie Community Action Agency, Inc.
502 West Duke Street
Hugo, OK 74743
580-326-3351
* Logan County Economic Development Council
P.O. Box 995
Guthrie, OK 73044
405-282-0060
* Miami Area Economic Development Service
2 North Main, Suite 601
Miami, OK 74354
918-542-7751
* Ozarks Corporation for Innovation Development, Inc.
P.O. Box 1335
Durant, OK 74702-1335
580-924-5094
* People's Electric Cooperative
1130 West Main Street
P.O. Box 429
Ada, OK 74820
580-332-3031
* Rural Enterprises, Inc.
P.O. Box 1335
Durant, OK 74702
580-924-5094
*South Western Oklahoma Development Authority
P.O. Box 569
Fourth & Sooner Drive
Building 420
Burns Flat, OK 73624
580-562-4882
* Cherokee Hills RC&D
1007 South Muskogee Avenue
Tahlequah, OK 74464-4733
918-456-2304
* Choctaw Nation
Drawer 1210
16th and Locust
Durant, OK 74702-1210
580-924-8280
* Adair County Indian Credit Association
P.O. Box 602
Stilwell, OK 74960
918-696-3803
* Cherokee Nation
P.O. Box 948
Tahlequah, OK 74465-0948
918-456-0671 ext.: 2532
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Oregon
*Valley Development Initiatives
C/O Mid-Willamette Valley Council of Governments
105 High Street, SE
Salem, OR 97301
503-588-6177
* Oregon Cascades West Council of Governments
P.O. Box 686
Albany, OR 97321
541-967-8551
* Morrow Development Corporation
C/O Port of Morrow
P.O. Box 200
Boardman, OR 97818
541-481-7678
* Curry Economic Development Corporation
P.O. Box 848
Brookings, OR 97415
541-469-2218
* Port of Bandon Economic Development Fund
P.O. Box 1950
Bandon, OR 97411
541-347-9105
* Central Oregon Intergovernmental Council
2363 SW Glacier Place
Redmond, OR 97756
541-548-8163
* CCD Business Development Corporation
744 SE Rose Street
Roseburg, OR 97470
541-672-6728
* Southern Oregon Regional Economic Development, Inc.
332 West Sixth Street
Medford, OR 97501-2711
541-773-8946
* Greater Eastern Oregon Development Corporation
P.O. Box 1041
Pendleton, OR 97801
541-276-6745
* Lane Council of Governments
125 East 8th Avenue
Eugene, OR 97401
541-682-7450
* Northeast Oregon Business Development
101 NE First Street, Suite 100
Enterprise, OR 97828
541-426-3598
* Columbia Pacific Economic Development District of Oregon, Inc.
P.O. Box 598
St. Helens, OR 97051
503-397-2888
* Mid-Columbia Economic Development District
400 East Scenic Drive
Suite 2420
The Kalles, OR 97058
541-296-6182 ext. 3208
* Ida-Ore Planning & Development Association
10624 West Executive Drive
Boise, ID 83713
208-322-7033
* Shorebank Enterprise Group
P.O. Box 826
Ilwaco, WA 98624
360-642-4265
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Pennsylvania
*Northwest Pennsylvania Regional Planning & Development Commission
Biery Building
Suite 406
Franklin, PA 16323
814-437-3024
Fax: 814-432-3002
* Northern Tier Regional Planning Commission
507 Main Street
Towanda, PA 18848-9987
717-265-9103
Fax: 717-265-7585
* SEDA-Council of Governments
R.R. 1, Box 372
Lewisburg, PA 17837
570-524-4491
Fax: 570-524-9190
* Washington County Council on Economic Development
100 West Beau Street
Suite #703
Courthouse Square
Washington, PA 15301
724-228-6949
Fax: 724-250-6502
* Southern Alleghenies Planning and Development Commission
541 58th Street
Altoona, PA 16602-1193
814-949-6500
* North Central Pennsylvania Regional Planning and Development Commission
P.O. Box 488
Ridgway, PA 15853
814-772-6901
* Economic Development Council of North East Pennsylvania
1151 Oak Street
Pittston, PA 18640-3795
717-655-5581
* Jefferson County Development Council, Inc.
R.D. 5, Box 47
Brookville, PA 15825
814-849-3047
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Rhode Island
None
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South Carolina
*Carolina Capital Investments Corporation
1201 Main Street, Suite 1750
Columbia, SC 29201
803-737-0101
* Catawba Regional Development Corporation
P.O. Box 450
215 Hampton Street
Rock Hill, SC 29731
803-327-9044
* Lake City Development Corporation
P.O. Box 1329
202 Kelley Street
Lake City, SC 29560
843-394-5421, ext. 276
* Lower Savannah Regional Development Corporation
P.O. Box 850
2748 Wagener Road
Aiken, SC 29802
803-649-7981
* Santee-Lynches Regional Development Corporation
P.O. Drawer 1837
36 West Liberty Street
Sumter, SC 29151
803-775-7381
* Williamsburg Enterprise Community Commission, Inc.
P.O. Box 428
Kingstree, SC 29556
843-354-9070
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South Dakota
*Beadle and Spink Enterprise Community
P.O. Box 68
Yale, SD 57386
605-599-2991
Fax: 605-599-2992
* First District Development Company
124 First Avenue NW
P.O. Box 1207
Watertown, SD 57201
605-886-7224
Fax: 605-882-5049
* Grant County Development Corporation
707 South 5th Street
Milbank, SD 57252
605-432-6851
Fax: 605-432-6258
* Greater Huron Development Corporation
375 Dakota Avenue South
Huron, SD 57350
605-352-0363
Fax: 605-352-9327
* Northeast Council of Governments
P.O. Box 1985
Aberdeen, SD 57402-1985
605-626-2595
Fax: 605-626-2975
* Northeast South Dakota Economic Corporation
414 3rd Avenue East
Sisseton, SD 57262
605-698-7654
Fax: 605-698-3038
* Rural Electric Economic Development, Inc.
121 SE 1st Street
P.O. Drawer E
Madison, SD 57042
605-256-4536
Fax: 605-256-8058
* South Dakota Economic Development Finance Authority
Governor's Office of Economic Development
711 East Wells Avenue
Pierre, SD 57501-3369
605-773-5032
Fax: 605-773-3256
* West River Foundation
P.O. Box 218
2885 Dickson Avenue
Sturgis, SD 57785
605-347-5837
Fax: 605-347-5223
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Tennessee
*Areawide Development Corp.
5616 Kingston Pike
Knoxville, TN 37939-2806
423-588-7972
* Caney Fork Electric Cooperative, Inc.
920 Smithville Highway
P.O. Box 272
McMinnville, TN 37110
* Cumberland Area Investment Corporation
1225 South Willow Avenue
Cookeville, TN 38506-4194
931-432-4050
* East Tennessee Enterprise Partnership, Incorporated
P.O. Box 186
Carson Drive
Huntsville, TN 37756
423-663-2910
* First Tennessee Economic Development Corporation
207 N. Bone St., Suite 800
Johnson City, TN 37604-5699
423-928-0224
* Mid-Cumberland Area Development Corporation
501 Union Street, 6th Floor
Nashville, TN 37219-1705
615-862-8828
* Northwest Tennessee Certified Development Corporation
124 Weldon Drive
P.O. Box 963
Martin, TN 38237
901-587-4213
* Seouachee Valley Electric Cooperative
512 Cedar Avenue
South Pittsburg, TN 37380
423-837-8605
* South Central Tennessee Development District
815 South Main Street
Columbia, TN 38402-1346
615-381-2040
* Southeast Local Development Corporation
25 Cherokee Boulevard
Chattanooga, TN 37405
423-266-5781
* Southwest Tennessee Development District
27 Conrad Drive, Suite 150
Jackson, TN 38305
901-668-7112
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Texas
*Brownwood Industrial Foundation
P.O. Box 880
Brownwood, TX 76804
915-646-9535
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Utah
*Utah Technology Finance Corporation
177 East 100 South
Salt Lake City, UT 84111
801-741-4200
* Deseret Certified Development Company
7050 Union Park Center, Suite 570
Midvale, UT 84047
801-566-1163
or
Central Utah Office at Evergreen Square
907 South Orem Boulevard
Orem, UT
801-221-7772
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Vermont
*Addison County Economic Development Corporation
RD4, Box 1309 A
Middlebury, VT 05753
802-388-7953
* Connecticut River Valley
P.O. Box 246
White River Jct., VT 05001-0246
802-295-3710
* Franklin County Industrial
2 North Main Street
St. Albans, VT 05478-1099
802-524-2194
* Lamoille Economic Development Corporation
P.O. Box 455
Morrisville, VT 05661
802-888-5640
* Northern Community Investment Corporation
20 Main Street
P.O. Box 904
St. Johnsbury, VT 05819
802-748-5101
* Northeastern Vermont Development Association
44 Main Street
P.O. Box 640
St. Johnsbury, VT 05819
802-748-5181
* Rutland Economic Development Corporation
256 North Main Street
Rutland, VT 05701
802-773-9147
* Vermont 503 Corporation
56 East State Street
Montpelier, VT 05602
802-828-5474
* Vermont Community Enterprise Fund Inc.
7 Court Street
P.O. Box 827
Montpelier, VT 05602
802-223-1448
* Vermont Small Business Development Corporation
56 East State Street
Montpelier, VT 05602
802-828-5466
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Virginia
*Southeast Rural Community Assistance Project Incorporated
P.O. Box 2868
Rolling Oak, VA 24001-2868
540-345-1184
* Lake County Development Corporation
P.O. Box 150
South Hill, VA 23970
804-447-7101
* Mount Rogers Planning District Commission
1021 Terrace Drive
Marion, VA 24354
540-783-5103
* Hampton University Rural Business Assistance Center
11916 Rolfe Highway
Furry, VA 23887
757-294-5176
* Virginia Eastern Shore Economic Development and Housing Corporation
P.O. Box 814
Nassawadox, VA 23413
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Washington
*TRICO Economic Development
347 West Second, Suite A
Colville, WA 99114
509-684-8411
509-684-4571
Fax: 509-684-4788
* Okanogan County Investment Association
P.O. Box 741
Okanogan, WA 98840
509-826-5107
* Columbia Regional Economic Development Trust
P.O. Box 217
Richland, WA 99352
509-943-9187
* Lending Network
P.O. Box 916
Chenghalis, WA 98532
360-748-0114
Fax: 360-748-1235
* Cascadia Revolving Fund
119 First Ave. South, Suite 1000
Seattle, WA 98104
206-447-9226
Fax: 206-682-4804
* Private Industry Council of Snohomish County (PIC)
728-134th Street SW
Building A, Suite 211
Everett, WA 98204
425-743-9669
425-353-2025
TDD: 425-743-9669
Fax: 425-742-1177
* Evergreen Community Development Association
900 Fourth Avenue, Suite 2900
Seattle, WA 98164
800-878-6613
* Shorebank Trading Group
P.O. Box 826
Ilwaco, WA 98624
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West Virginia
*The McDowell County Action Network
P.O. Box 158
Wilcoe, WV 24895
304-448-2118
* Mid-Ohio Valley Regional P&D Council
P.O. Box 247
Parkersburg, WV 26102
304-422-4993
* Mountain CAP of West Virginia, Inc.
26 North Kanawha Street
Buckhannon, WV 26102
304-472-1500
* West Virginia Economic & Development Authority
1018 Kanawha Blvd. East, Suite 501
Charleston, WV 25301-2827
304-558-3650
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Wisconsin
*Northwest Wisconsin Business Development Corporation
1400 S. River Street
Spooner WI 54801
715-635-2197
* North Central Wisconsin Development Corporation
407 Grant Street
Wausau, WI 54403
715-845-4208
* Adams-Columbia Electric Cooperative
401 E. Lake Street
P.O. Box 70
Friendship, WI 54934-0700
608-339-6945
* Impact Acceptance Corporation
651 Garfield Street
Almena, WI 54805
705-357-3334
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Wyoming
*Frontier Certified Development Company
232 East 2nd Street, Suite 300
Casper, WY 82601
307-234-5351
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Small Towns That Offer You Money To Start A Business
Cities can get grants that can be used to lend you money to start a small business. The Entitlement Grants is the largest component of the Community Development Block Grant Program and provides annual grants to entitled cities (population 50,000) and counties (population 200,000) to develop viable urban communities by providing decent housing and suitable living environments, and by expanding economic opportunities, principally for low and moderate income persons. The program provides funds to carry out a wide range of community development activities directed toward neighborhood revitalization, economic development, improved community facilities and services, and microenterprise. Funds can be used to establish credit (direct loans and loan guarantees, revolving loan funds, and more) for the stabilization and expansion of microenterprise; provide technical assistance, advice, and business support services to owners of microenterprises; and provide general support to owners of microenterprises and organizations developing microenterprises. To learn if your community received funds and the person to contact in your area for more information, contact your local U.S. Department of Housing and Urban Development Office listed in the blue pages of your telephone book and ask for the office in charge of Community Development Block Grants or contact: Information Office, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898-7189, 800-998-9999, {www.hud.gov/whatwork.html}.
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HUD Offices
New England
• Boston Region
Mary Lou Crane, Secretary's Representative
HUD-Boston Office
10 Causeway Street, Room 375
Boston, MA 0222-1092
617-565-5236
Fax: 617-565-6558
• Burlington Region
Temporarily Covered
HUD-Burlington Office
Room 244, Federal Building
11 Elmwood Avenue
P.O. Box 879
Burlington, VT 05402-0879
802-951-6290
Fax; 802-951-6298
• Manchester Region
David B. Harrity
Senior Builder/Coordinator
HUD-Manchester Office
Norris Cotton Federal Building
275 Chestnut Street
Manchester, NH 03103-2487
603-666-7682
Fax: 603-666-7667
• Bangor Region
Loren W. Cole
Senior Community Builder/Coordinator
HUD-Bangor Office
202 Harlow Street
Chase Building, Suite 101
P.O. Box 1384
Bangor, ME 04401-4925
207-945-04273
Fax: 207-945-0533
• Rhode Island Region
Nancy D. Smith
Senior Community Builder/Coordinator
HUD-Providence Office
10 Weybosset Street, 6th Floor
Providence, RI 02903-2808
401-528-5352
Fax: 401-528-5312
• Hartford Region
Raymond A. Jordan
Senior Community Builder/Coordinator
HUD-Hartford Office
One Corporate Center
Hartford, CT 06106-3220
860-240-4800, ext. 3100
Fax 860-240-4850
• New York/New Jersey
New York Region
Bill deBlasio
Secretary's Representative
HUD-New York Office
26 Federal Plaza
New York, NY 10278-0068
212-264-1161
Fax: 212-264-3068
• Buffalo Region
Office Temporarily Covered
Michele E. Bernier
Community Building
HUD-Buffalo Office
5th Floor, Lafayette Court
465 Main Street
Buffalo, NY 14203-1780
716-551-5733
Fax: 716-551-5752
• Camden Region
Laura Pelzer, Senior Community Builder/Coordinator
HUD-Camden Office
800 Hudson Square, 2nd Floor
Camden, NJ 08102-1156
609-757-5081
Fax: 609-757-5373
• New Jersey Region
Diane Johnson
Senior Community Builder/Coordinator
HUD-Newark Office
13th Floor, One Network Center
Newark, NJ 07102-5260
201-622-7900 ext. 3102
Fax: 201-645-2323
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Midatlantic Area
• Pennsylvania Region
Karen Miller, Secretary's Representative
HUD-Philadelphia Office
The Wanamaker Building
Pennsylvania Square, E
Philadelphia, PA 19107-3380
215-656-0606
Fax: 215-656-3445
• Charleston Region
Fred Roncaglione, Senior Community Builder/Coordinator
HUD-Charleston Office
405 Capitol Street, Suite 708
Charleston, WV 25301-1795
304-347-7036 ext. 101
Fax: 304-347-7050
• Pittsburgh Region
Richard M. Nemoytin
Senior Community Builder/Coordinator
HUD-Pittsburgh Office
339 6th Avenue, 6th Floor
Pittsburgh, PA 15222-2515
412-644-5945
Fax: 412-644-4240
• Richmond Office
MaryAnn Wilson, Senior Community Builder/Coordinator
HUD-Richmond Office
The 3600 West Broad Street
Richmond, VA 23230-4920
804-278-4507 ext. 3208
Fax: 804-278-4603
• District of Columbia Region
Lorraine Richardson, Community Builder
HUD-Washington, DC Office
820 1st Street, NE, Suite 300
Washington, DC 2002-4205
202-275-9206 ext. 3075
Fax: 202-275-9212
• Delaware Region
Diane Lello, Senior Community Builder/Coordinator
HUD-Wilmington Office
824 Market Street, Suite 850
Wilmington, DE 19801-3016
302-573-6300
Fax: 302-573-6259
• Maryland Region
Harold D. Young,
Senior Community Builder/Coordinator
HUD-Baltimore Office, 5th Floor
10 South Howard Street
Baltimore, MD 21201-2505
410-962-2520 ext. 3474
Fax: 410-962-1849
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Southeast Area
• Atlanta Region
Davey Gibson
Secretary's Representative
HUD-Atlanta Office
Richard B. Russell Federal Bldg.
75 Spring Street, SW
Atlanta, GA 30303-3388
404-331-5136
Fax: 404-730-2365
• Birmingham Region
Heagar Hill, Senior Community Builder/Coordinator
HUD-Birmingham Office
Suite 300, Beacon Ridge Tower
Birmingham, AL 35209-3144
205-290-7630, ext. 1001
Fax: 205-290-7593
• Caribbean Region
Michael A. Colon, Senior Community Builder/Coordinator
HUD-Caribbean Office
159 Carlos E. Chardon Avenue
San Juan, PR 00918-1804
787-766-5202
Fax: 787-766-5995
• Columbia Region
Office Temporarily Covered
David Ball
Community Builder/Coordinator
HUD-Columbia Office
1835 Assembly Street
Columbia, SC 29201-24803
803-765-5592
Fax: 803-253-3043
• Coral Gables Region
Jose Cintron, Senior Community Builder/Coordinator
HUD-Coral Gables Office
1320 South Dixie Highway
Coral Gables, FL 33146-2911
305-662-4510
Fax: 305-662-4588
• Greensboro Region
James E. Balckmon
Senior Community Builder/Coordinator
2306 West Meadowview Road
Greensboro, NC 27407-3707
910-547-4001
Fax: 910-547-4120
• Jackson Region
Patricia Hoban-Moore
Senior Community Builder/Coordinator
HUD-Jackson Office
100 W. Capitol St., Room 910
Jackson, MS 39269-1096
601-965-4738
Fax: 601-965-4773
• Jacksonville Region
James Walker
Senior Community Builder/Coordinator
HUD-Jacksonville Office
301 West Bay Street, Suite 2200
Jacksonville, FL 32202-5121
904-232-2627
Fax: 904-232-3759
• Knoxville Region
Mark Brezina, Senior Community Builder/Coordinator
HUD-Knoxville Office
710 Locust Street, SW
Knoxville, TN 37902-2526
423-545-4384
Fax: 423-545-4569
• Louisville Region
John Milchik, Senior Community Builder/Coordinator
HUD-Louisville Office
601 West Broadway
P.O. Box 1044
Louisville, KY 40201-1044
502-585-6132
Fax: 502-582-6074
• Memphis Region
Benjamin F. Davis
Senior Community Builder/Coordinator
HUD-Memphis Office
One Memphis Place
200 Jefferson Avenue, Suite 1200
Memphis, TN 38103-2335
901-544-3367
Fax: 901-544-3697
• Nashville Region
Brenda Cleaver
Senior Community Builder/Coordinator
HUD-Nashville Office
251 Cumberland Bend Dr., Suite 200
Nashville, TN 37228-1803
615-736-5213
Fax: 615-648-6310
• Tampa Region
George A. Milburn, Jr.
Senior Community Builder
HUD-Tampa Office
501 East Polk Street, Suite 700
Tampa, FL 33602-3945
813-228-2504
Fax: 813-228-2431
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Midwest Area
• Chicago Region
Rosanna A. Marquez
Secretary's Representative
HUD-Chicago Office
Ralph Metcalfe Federal Building
77 West Jackson Boulevard
Chicago, IL 60604-5680
312-353-5680
Fax: 312-886-2729
• Cincinnati Region
Louistine Tuck
Senior Community Builder/Coordinator
HUD-Cincinnati Office
525 Vine Street
Cincinnati, OH 45202-3188
513-684-2967
Fax: 513-684-6224
• Cleveland Region
Douglas W. Shelby
Senior Community Builder/Coordinator
HUD-Cleveland Office
1350 Euclid Avenue, 5th Floor
Cleveland, OH 44115-1815
216-522-4065
Fax: 216-522-4067
• Columbus Region
Office Temporarily Covered
Jack Brown, Economist
HUD-Columbus Office
200 North High Street
Columbus, OH 43215-2499
614-469-2540
Fax: 614-469-2432
• Detroit Region
Regina P. Solomon
Senior Community Builder/Coordinator
HUD-Detroit Office
477 Michigan Avenue
Detroit, MI 48226-2592
313-226-6241
Fax: 313-226-5611
• Grand Rapids Region
Louis K. Berra
HUD-Grand Rapids Office
Trade Center Building
50 Louis Street, NW
Grand Rapids, MI 49503-2648
616-456-2103
Fax: 616-456-2191
• Flint Region
Office Temporarily Covered by Detroit Senior Community Builder/Coordinator
HUD-Flint Office
605 N. Saginaw St., Room 200
Flint, MI 48502-1953
517-766-5107
Fax: 517-766-5122
• Indianapolis Region
William K. Fattic
Senior Community Builder/Coordinator
HUD-Indianapolis Office
151 North Delaware Street
Indianapolis, IN 46204-2526
317-226-6322
Fax: 317-226-6317
• Wisconsin State
Delbert Reynolds
Senior Community Builder/Coordinator
HUD-Milwaukee Office
Henry S. Reuss Federal Plaza
310 W. Wisconsin Ave., Room 1380
Milwaukee, WI 53203-2289
414-297-1495
Fax: 414-297-3947
• Minneapolis Region
Thomas Feeney, Senior Community Builder/Coordinator
HUD-Minneapolis Office
220 Second Street, South
Minneapolis, MN 554012195
612-370-3289
Fax: 612-370-3220
• Springfield Region
Debbie Willis
Senior Community Builder/Coordinator
HUD-Springfield Office
Temporarily Working out of Chicago Office
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Southwest
• New Mexico State
Michael R. Griego, Acting State Coordinator
HUD-Albuquerque Office
625 Truman Street, NE
Albuquerque, NM 87110-6472
505-262-6463 ext. 223
Fax: 505-262-6463
• Dallas Area
C. Don Babers
Senior Community Builder/Coordinator
HUD-Dallas Office
HUD-Room 860
525 Griffin Street
Dallas, TX 75202-5007
214-767-8300
Fax: 214-767-8973
• Arkansas State Office
Richard L. Young
HUD-Little Rock Office
425 W. Capitol Ave., Suite 900
Little Rock, AR 72201-3488
501-324-5401
Fax: 501-324-5401
• Lubbock Area Office
Miguel C. Rincon, JR
Senior Community Builder/Coordinator
HUD-Lubbock Office
1205 Texas Avenue
Lubbock, TX 79401-4093
806-472-7265 ext. 3030
Fax: 806-472-7275
• Texas State
Elizabeth K. Julian
Secretary's Representative
HUD-Ft. Worth Office
1600 Throckmorton
P.O. Box 2905
Ft. Worth, TX 76113-2905
817-978-9000
Fax: 817-978-9001
• Louisiana State Office
Jason Gamlin
Senior Community Builder/Coordinator
HUD-New Orleans Office
Hale Boggs Building
501 Magazine Street, 9th Floor
New Orleans, LA 70130-3099
504-589-7200
Fax: 504-589-6619
• Oklahoma State Office
Margaret F. Milner
Senior Community Builder/Coordinator
HUD-Oklahoma City Office
500 West Main Street, Suite 400
Oklahoma City, OK 73102-2233
405-553-7500
Fax: 405-553-7588
• San Antonio Area Office
A. Cynthia Leon
Senior Community Builder/Coordinator
HUD-San Antonio Office
800 Dolorosa Street
San Antonio, TX 78207-4563
210-475-6806
Fax: 210-472-6804
• Shreveport Region
Martha Sakre
Senior Community Builder
401 Edwards Street, Room 1510
Shreveport, LA 71101-3289
318-676-3385
Fax: 318-676-3407
• Tulsa Region
James Colgan
Senior Community Builder/Coordinator
HUD-Tulsa Office
50 East 15th Street
Tulsa, OK 74119-4030
918-581-7496
Fax: 918-581-7440
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Great Plains Area
• Missouri State
Michael Tramontina, Secretary's Representative
HUD-Kansas City Office
400 State Avenue, Room 200
Kansas City, KS 66106-2406
913-551-5462
Fax: 913-551-5469
• Iowa State
William McNarney
Senior Community Builder/Coordinator
HUD-Des Moines Office
210 Walnut Street, Room 239
Des Moines, IA 50309-2155
515-284-4573
Fax: 515-284-4743
• St. Louis Region
Kenneth G. Lange
Senior Community Builder/Coordinator
HUD-St. Louis Office
1222 Spruce Street, #3207
St. Louis, MO 63103-2836
314-539-6560
• Nebraska State Office
Ernest Gratz
Senior Community Builder/Coordinator
HUD-Omaha Office
10909 Mill Valley Road
Omaha, NE 68514-3955
402-492-3103
Fax: 402-492-3150
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Rocky Mountain Area
• Colorado State Region
Joseph A. Garcia
HUD-Denver Office
633 17th Street, FITN
Denver, CO 80202-3607
303-672-5440
Fax: 303-672-5004
• Wyoming State
William Garrett, Senior Community Builder/Coordinator
100 East B Street
P.O. Box 120
Casper, WY 82601
307-261-6254
Fax: 307-261-6245
• North Dakota State Region
Office Temporarily Covered
Keith Elliot
HUD-Fargo Office
Federal Building
657 2nd Avenue, North
P.O. Box 2483
Fargo, ND 58102
701-239-5040
Fax: 701-239-5249
• Montana State Region
Richard Brinck
Senior Community Builder/Coordinator
HUD-Helena Office
301 South Park, Room 464
Helena, MT 59626-0095
406-441-1298
Fax: 406-441-1292
• Utah State Region
Office Temporarily Covered
HUD-Salt Lake City Office
257 East 200 South, Room 550
Salt Lake City, UT 84111-2048
801-524-3323
Fax: 801-524-3439
• South Dakota State Region
Sheryl Miller
Senior Community Builder/Coordinator
2500 W. 49th St., Room-II-204
Sioux Falls, SD 57105
605-330-4226
Fax: 605-330-4428.
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Pacific/Hawaii
• California State Region
Arthur Agnos, Secretary's Representative
HUD-San Francisco Office
450 Golden Gate Avenue
P.O. Box 36003
San Francisco, CA 94102-3448
415-436-6532
Fax: 415-436-6446
• Fresno Region
Ann Marie Sudduth
Senior Community Builder/Coordinator
HUD-Fresno Office
2135 Fresno Street, Suite 100
Fresno, CA 93721-1718
209-487-5032
Fax: 209-487-5191
• Hawaii State Region
Gordon Y. Furutani
Senior Community Builder
HUD-Honolulu Office
Seven Waterfront Plaza
500 Ala Moana Boulevard, #500
Honolulu, HI 96813-4918
808-522-8175, ext. 256 or 259
Fax: 808-522-8194
• Nevada State Region
Ken Lobene
Senior Community Builder
HUD-Las Vegas Office
333 North Rancho Drive
Atrium Building, Suite 700
Las Vegas, NV 89106-3714
702-388-6525
Fax: 702-388-6244
• Arizona State Region
Terry Goddard
Senior Community Builder/Coordinator
HUD-Phoenix Office
400 North 5th Street, Suite 1600
Phoenix, AZ 85004-2361
602-379-4434
Fax: 602-379-3985
• Reno Region
Wayne Waite
Senior Community Builder/Coordinator
HUD-Reno Office
1575 DeLucchi Lane, Suite 114
P.O. Box 30050
Reno, NV 89502-6581
702-784-5356
Fax: 702-784-5360
• Sacramento Region
William L. Bolton
Senior Community Builder/Coordinator
HUD-Sacramento Office
925 "L" Street, Suite 675
Sacramento, CA 95814-3702
916-498-5220 ext. 622
Fax: 916-498-5262
• San Diego Region
Office Temporarily Covered
HUD-Santa Ana Office
3 Hutton Centre, Suite 500
Santa Ana, CA 98707-5764
714-957-7354
Fax: 714-957-1702
• Los Angeles Region
Thomas Honore
Senior Community Builder/Coordinator
HUD-Los Angeles Office
611 West 6th, Suite 800
Los Angeles, CA 90017
213-894-8007
Fax: 213-894-8096
• Tucson Region
Sharon Atwell
Senior Community Builder/Coordinator
HUD-Tucson Office
Security Pacific Bank Plaza
33 North Stone Avenue, Suite 700
Tucson, AZ 85701-1467
602-670-5220
Fax: 602-670-6207
• Northwest Alaska Area
Washington State Region
Bob Santos
Secretary's Representative
HUD-Seattle Office
909 First Avenue, Suite 200
Seattle, WA 98104-1000
206-220-5101
Fax: 206-220-5108
• Alaska State Region
Arlene Patton
Senior Community Builder/Coordinator
HUD-Anchorage Office
949 East 36th Avenue
Anchorage, AK 99508-4135
907-271-4170
Fax: 907-271-3667
• Idaho State Region
Gary Gillespie, Senior Community Builder/Coordinator
HUD-Boise Office
Plaza IV, Suite 220
800 Park Boulevard
Boise, ID 83712-7743
208-334-1900, ext. 3007
Fax: 208-334-9648
• Oregon State Region
Thomas C. Cusack
Senior Community
Builder/Coordinator
HUD-Portland Office
400 SW 6th Avenue #700
Portland, OR 97204-1632
503-326-2561
• Spokane Region
Rafael Metzget
Senior Community Builder/Coordinator
HUD-Spokane Office
8th Floor East
West 601 1st Avenue
Spokane, WA 99204-0317
509-353-2510 ext. 3022
Fax: 509-353-2513
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More Money For Small Town Entrepreneurs
The Rural Business Enterprise Grant Program (RBEG) is administered by the Rural Business-Cooperative Service (RBS), and provides grant funds to a local or regional intermediary which, in turn, lends funds in a flexible manner to local businesses. Funds are designed to facilitate the development of small and emerging private business, industry, and related employment. Money can be used for the acquisition and development of land, and the construction of buildings, plants, equipment, access streets and roads, parking areas, utility and service extensions, refinancing, fees, technical assistance, startup operating cost, working capital, providing financial assistance to a third party, production of television programs to provide information to rural residents, and to create, expand, and operate rural distance learning networks. Grant applications are available from any USDA Rural Development State Office. For further information on these programs, contact your local Rural Development Office. Look in the blue pages of your telephone book under U.S. Department of Agriculture, contact your state information operator (listed in the Appendix), or contact the main office at Rural-Business-Cooperative Service, 1400 Independence Avenue, SW, Room 5050, South Building, Washington, DC 20250, 202-720-1019, {www.rurdev.usda.gov/rbs/oa/oadir.htm}.
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U.S. Department Of Agriculture
Rural Development State Offices
• Alabama
USDA Rural Development, Horace Horn, 4121 Carmichael Road, Sterling Center, Suite 601, Montgomery, AL 36106-3683, 334-279-3400, Fax: 334-279-3484
• Alaska
USDA Rural Development, Dean R. Stewart, 800 West Evergreen, Suite 201, Palmer, AK 99645, 907-745-2176, Fax: 907-745-5398
• Arizona
USDA Rural Development, Leonard Gradillas, 3003 N. Central Ave., Suite 900, Phoenix, AZ 85012, 602-280-8745, Fax: 602-280-8730
• Arkansas
USDA Rural Development, Shirley Tucker, Federal Building, Room 346, 700 Capitol Avenue, Little Rock, AR 72201, 501-324-6284, Fax: 501-324-6346
• California
USDA Rural Development, Charles Clendenin, 430 G Street, Agency 4169, Davis, CA 95616, 530-792-5800
• Colorado
USDA Rural Development, Leroy W. Cruz, 655 Parfet Street, Room E100, Lakewood, CO 80215, 303-236-2801, ext. 131, Fax: 303-236-2854
• Delaware/Maryland
USDA Rural Development, James E. Waters, 5201 South DuPont Highway, P.O. Box 400, Camden, DE 19934, 302-697-4324, TTY: 302-697-4303, Fax: 302-697-4388
• Florida
USDA Rural Development, Joseph M. Mueller, 4440 NW 25th Place, Gainesville, FL 32614-7010, 352-338-3482, Fax: 352-338-3450
• Georgia
USDA Rural Development, Howard W. Franklin, Federal Building, Athens, GA 30601, 706-546-2154, Fax: 706-546-2135
• Hawaii
USDA Rural Development, Joe Diego, Room 311, Federal Building, 154 Waianuenue Avenue, Hilo, HI 96720, 808-933-3019, Fax: 808-933-6901, TDD: 808-933-6902
• Idaho
USDA Rural Development, Daryl G. Moser, 9173 West Barnes Street, Suite A1, Boise, ID 83709, 208-378-5623, Fax: 208-378-5643
• Illinois
USDA Rural Development, Gerald Townsend, Illini Plaza, Suite 103, 1817 South Neil Street, Champaign, IL 61820, 217-398-5412 ext. 243, Fax: 217-398-5337
• Indiana
USDA Rural Development, Joseph Steele, 5975 Lakeside Boulevard, Indianapolis, IN 46278, 317-290-3100, Fax: 317-290-3127
• Iowa
USDA Rural Development, Randy Frescoln, 210 Walnut Street, Room 873, Des Moines, IA 50309, 515-284-4663, Fax: 515-284-4821
• Kansas
USDA Rural Development, Donnis Williams, 1200 SW Executive Drive, Box 4653, Topeka, KS 66604, 785-271-2732
• Kentucky
USDA Rural Development, Vernon Brown, 771 Corporate Drive, Suite 200, Lexington, KY 40503, 606-224-7336, Fax: 606-224-7344
• Louisiana
USDA Rural Development, Judy Meche, 3727 Government Street, Alexandria, LA 71302, 318-473-7920, TYY/TDD: 318-473-7655/7697, Fax: 318-473-7920
• Maine
USDA Rural Development, Dean Churchill or Michael Rollins, 444 Stillwater Avenue, Suite 2, P.O. Box 405, Bangor, ME 04402-0405, 207-990-9168
• Massachusetts/Connecticut/Rhode Island
USDA Rural Development, Daniel R. Beaudette, 451 West Street, Amherst, MA 01002-2999, 413-253-4340
• Michigan
USDA Rural Development, Mae Locke, 3001 Coolidge Road, Suite 200, East Lansing, MI 48823, 517-324-5100, TDD: 517-337-6906, Fax: 517-324-5225
• Minnesota
USDA Rural Development, Agribank Building, 375 Jackson Street, St.Paul, MN 55101, 651-602-7800, Fax: 651-602-7824
• Mississippi
USDA Rural Development, Hershel F. Johnson, Suite 831, Federal Building, 100 West Capital SF, Jackson, MS 39269, 601-965-5460
• Missouri
USDA Rural Development, Clark Thomas, 601 Business Loop 70 West, Park Aid Center, Suite 225, Columbia, MO 65203, 573-876-0925
• Montana
USDA Rural Development, John D. Guthmiller, P.O. Box 850, Bozeman, MT 59771, 406-585-2505, TDD: 406-585-0819, Fax: 406-585-2565
• Nebraska
USDA Rural Development, Deborah D. Drbal, Room 152 Federal Building, 100 Centennial Mall North, Lincoln, NE 68508, 402-437-5558
• Nevada
USDA Rural Development, Larry J. Smith, 1390 South Curry Street, Carson City, NV 89703, 775-887-1222 ext. 25, Fax: 775-887-1287
• New Hampshire
USDA Rural Development, Rob McCarthy, 10 Ferry St., Suite 218, Box 321, Concord, NH 03301, 603-223-6037, 602-223-6041
• New Jersey
USDA Rural Development, Michael P. Kelsey, 790 Woodlane Road, Mt. Holly, NJ 08060, 609-265-3641, Fax: 609-265-3651, TDD: 609-265-3687
• New Mexico
USDA Rural Development, Mike McDow, 700 4th Street SW, Albuquerque, NM 87102, 505-243-3196, 505-243-8803
• New York
USDA Rural Development, Lowell Gibson, The Galleries of Syracuse, 441 South Salina Street, Suite 357, 5th Floor, Syracuse, NY 13202-2541, 315-477-6425, Fax: 315-477-6448
• North Carolina
USDA Rural Development, Dennis DeLong, 4405 Bland Road, Suite 260, Raleigh, NC 27609, 919-873-2046
• North Dakota
USDA Rural Development, 220 East Rosser Avenue, Bismarck, ND 58501, 701-250-4791
• Ohio
USDA Rural Development, Jennifer Sonnenberg, 200 North High Street, Room 507, Columbus, OH 43215, 614-469-5400
• Oklahoma
USDA Rural Development, Susan Estes, 100 USDA, Suite 108, Stillwater, OK 74074, 405-742-1036, TTY/TDD: 405-742-1007, Fax: 405-742-1005
• Oregon
USDA Rural Development, 101 SW Main, Suite 1410, Portland, OR 97204-3222, 503-414-3366, Fax: 503-414-3398
• Pennsylvania
Eastern Pennsylvania, USDA Rural Development, R.D. #3 Box 27 F, Montrose, PA 18801-9548, 570-278-3781 ext. 112
• Western Pennsylvania
USDA Rural Development, P.O. Box 329, Meadowlands, PA 15347-0329, 724-222-3060 ext. 112
• South Carolina
USDA Rural Development, Strom Thurmond Federal Building, 1835 Assembly St., Room 1007, Columbia, SC 29201, 803-253-3651, Fax: 803-765-5910
• South Dakota
USDA Rural Development, Robert R. Bothwell, 200 4th Street SW, Federal Building, Room 210, Huron, SD 57350, 605-352-1142
• Tennessee
USDA Rural Development, Lee Loveless, 3322 West End Ave., Suite 300, Nashville, TN 37203, 615-783-1341, 800-342-3149, Fax: 615-783-1301
• Texas
USDA Rural Development, Pat Liles, 101 S. Main, Suite 102, Temple, TX 76501, 254-742-9780
• Utah
USDA Rural Development, Bonnie Carrig, 125 State, Room 4431, P.O. Box 11350, Salt Lake City, UT 84147, 801-524-4330
• Vermont
USDA Rural Development, David Robinson, 89 Main Street, 3rd Floor, City Center, Montpelier, VT 05602, 802-828-6030
• Virginia
USDA Rural Development, Culpeper Building, Suite 238, 1606 Santa Rosa Road, Richmond, VA 23229-5014, 804-287-155
• Washington
USDA Rural Development, Jackie Gleason, 1835 Black Lake Blvd. SW, Suite B, Olympia, WA 98512, 360-704-7708, Fax: 360-704-7742
• West Virginia
USDA Rural Development, 75 High Street, Morgantown, WV 26505, 304-291-4797
• Wisconsin
USDA Rural Development, 4949 Krischling Court, Stevens Point, WI 54481, 715-345-7610
• Wyoming
USDA Rural Development, P.O. Box 820, Casper, WY 82602-0820, 307-261-6319

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State Money and Help For Your Business
Who Can Use State Money? All states require that funds be used solely by state residents. But that shouldn't limit you to exploring possibilities only in the state in which you currently reside. If you reside in Maine, but Massachusetts agrees to give you $100,000 to start your own business, it would be worth your while to consider moving to Massachusetts. Shop around for the best deal.
Types Of State Money And Help Available: Each state has different kinds and amounts of money and assistance programs available, but these sources of financial and counseling help are constantly being changed. What may not be available this year may very well be available next year. Therefore, in the course of your exploration, you might want to check in with the people who operate the business "hotlines" to discover if anything new has been added to the states' offerings. Described below are the major kinds of programs that are offered by most of the states.

Information
• Hotlines or One-Stop Shops are available in many states through a toll-free number that hooks you up with someone who will either tell you what you need to know or refer you to someone who can. These hotlines are invaluable - offering information on everything from business permit regulations to obscure financing programs. Most states also offer some kind of booklet that tells you to how to start up a business in that state. Ask for it. It will probably be free.
• Small Business Advocates operate in all fifty states and are part of a national organization (the National Association of State Small Business Advocates) devoted to helping small business people function efficiently with their state governments. They are a good source for help in cutting through bureaucratic red tape.

Funding Programs
• Free Money can come in the form of grants, and works the same as free money from the federal government. You do not have to pay it back.
• Loans from state governments work in the same way as those from the federal government - they are given directly to entrepreneurs. Loans are usually at interest rates below the rates charged at commercial institutions and are also set aside for those companies which have trouble getting a loan elsewhere. This makes them an ideal source for riskier kinds of ventures.
• Loan Guarantees are similar to those offered by the federal government. For this program, the state government will go to the bank with you and co-sign your loan. This, too, is ideal for high-risk ventures that normally would not get a loan.
• Interest Subsidies On Loans is a unique concept not used by the federal government. In this case, the state will subsidize the interest rate you are charged by a bank. For example, if the bank gives you a loan for $50,000 at 10 percent per year interest, your interest payments will be $5,000 per year. With an interest subsidy you might have to pay only $2,500 since the state will pay the other half. This is like getting the loan at 5 percent instead of 10 percent.
• Industrial Revenue Bonds Or General Obligation Bonds are a type of financing that can be used to purchase only fixed assets, such as a factory or equipment. In the case of Industrial Revenue Bonds, the state will raise money from the general public to buy your equipment. Because the state acts as the middleman, the people who lend you the money do not have to pay federal taxes on the interest they charge you. As a result, you get the money cheaper because they get a tax break. If the state issues General Obligation Bonds to buy your equipment, the arrangement will be similar to that for an Industrial Revenue Bond except that the state promises to repay the loan if you cannot.
• Matching Grants supplement and abet federal grant programs. These kinds of grants could make an under-capitalized project go forward. Awards usually hinge on the usefulness of the project to its surrounding locality.
• Loans To Agricultural Businesses are offered in states with large rural farming populations. They are available solely to farmers and/or agribusiness entrepreneurs.
• Loans To Exporters are available in some states as a kind of gap financing to cover the expenses involved in fulfilling a contract.
• Energy Conservation Loans are made to small businesses to finance the installation of energy-saving equipment or devices.
• Special Regional Loans are ear-marked for specific areas in a state that may have been hard hit economically or suffer from under-development. If you live in one of these regions, you may be eligible for special funds.
• High Tech Loans help fledgling companies develop or introduce new products into the marketplace.
• Loans To Inventors help the entrepreneur develop or market new products.
• Local Government Loans are used for start-up and expansion of businesses within the designated locality.
• Childcare Facilities Loans help businesses establish on-site daycare facilities.
• Loans To Women And/Or Minorities are available in almost every state from funds specifically reserved for economically disadvantaged groups.

Many federally funded programs are administered by state governments. Among them are the following programs:
• The SBA 7(A) Guaranteed and Direct Loan program can guarantee up to 90 percent of a loan made through a private lender (up to $750,000), or make direct loans of up to $150,000.
• The SBA 504 establishes Certified Development Companies whose debentures are guaranteed by the SBA. Equity participation of the borrower must be at least 10 percent, private financing 60 percent and CDC participation at a maximum of 40 percent, up to $750,000.
• Small Business Innovative Research Grants (SBIR) award between $20,000 to $50,000 to entrepreneurs to support six months of research on a technical innovation. They are then eligible for up to $500,000 to develop the innovation.
• Small Business Investment Companies (SBIC) license, regulate and provide financial assistance in the form of equity financing, long-term loans, and management services.
• Community Development Block Grants are available to cities and counties for the commercial rehabilitation of existing buildings or structures used for business, commercial, or industrial purposes. Grants of up to $500,000 can be made. Every $15,000 of grant funds invested must create at least one full-time job, and at least 51 percent of the jobs created must be for low and moderate income families.
• Farmers Home Administration (FmHA) Emergency Disaster Loans are available in counties where natural disaster has substantially affected farming, ranching or aquaculture production.
• FmHA Farm Loan Guarantees are made to family farmers and ranchers to enable them to obtain funds from private lenders. Funds must be used for farm ownership, improvements, and operating purposes.
• FmHA Farm Operating Loans to meet operating expenses, finance recreational and nonagricultural enterprises, to add to family income, and to pay for mandated safety and pollution control changes are available at variable interest rates. Limits are $200,000 for an insured farm operating loan and $400,000 for a guaranteed loan.
• FmHA Farm Ownership Loans can be used for a wide range of farm improvement projects. Limits are $200,000 for an insured loan and $300,000 for a guaranteed loan.
• FmHA Soil And Water Loans must be used by individual farmers and ranchers to develop, conserve, and properly use their land and water resources and to help abate pollution. Interest rates are variable; each loan must be secured by real estate.
• FmHA Youth Project Loans enable young people to borrow for income-producing projects sponsored by a school or 4H club.

Assistance Programs
• Management Training is offered by many states in subjects ranging from bookkeeping to energy conservation.
• Business Consulting is offered on almost any subject. Small Business Development Centers are the best source for this kind of assistance.
• Market Studies to help you sell your goods or services within or outside the state are offered by many states. They all also have State Data Centers which not only collect demographic and other information about markets within the state, but also have access to federal data which can pinpoint national markets. Many states also provide the services of graduate business students at local universities to do the legwork and analysis for you.
• Business Site Selection is done by specialists in every state who will identify the best place to locate a business.
• Licensing, Regulation, And Permits information is available from most states through "one-stop shop" centers by calling a toll-free number. There, you'll get help in finding your way through the confusion of registering a new business.
• Employee Training Programs offer on-site training and continuing education opportunities.
• Research And Development Assistance for entrepreneurs is a form of assistance that is rapidly increasing as more and more states try to attract high technology-related companies. Many states are even setting up clearing houses so that small businesses can have one place to turn to find expertise throughout a statewide university system.
• Procurement Programs have been established in some states to help you sell products to state, federal, and local governments.
• Export Assistance is offered to identify overseas markets. Some states even have overseas offices to drum up business prospects for you.
• Assistance In Finding Funding is offered in every state, particularly through regional Small Business Development Centers. They will not only identify funding sources in the state and federal governments, but will also lead you through the complicated application process.
• Special Help For Minorities And Women is available in almost every state to help boost the participation of women and minorities in small business ventures. They offer special funding programs and, often, one-on-one counseling to assure a start-up success.
• Venture Capital Networking is achieved through computer databases that hook up entrepreneurs and venture capitalists. This service is usually free of charge. In fact, the demand for small business investment opportunities is so great that some states require the investor to pay to be listed.
• Inventors Associations have been established to encourage and assist inventors in developing and patenting their products.
• Annual Governors' Conferences give small business people the chance to air their problems with representatives from state agencies and the legislature.
• Small Business Development Centers (SBDCs), funded jointly by the federal and state governments, are usually associated with the state university system. SBDCs are a godsend to small business people. They will not only help you figure out if your business project is feasible, but also help you draw up a sensible business plan, apply for funding, and check in with you frequently once your business is up and running to make sure it stays that way.
• Tourism programs are prominent in states whose revenues are heavily dependent on the tourist trade. They are specifically aimed at businesses in the tourist industries.
• Small Business Institutes at local colleges use senior level business students as consultants to help develop business plans or plan expansions.
• Technology Assistance Centers help high tech companies and entrepreneurs establish new businesses and plan business expansions.
• On-Site Energy Audits are offered free of charge by many states to help control energy costs and improve energy efficiency for small businesses. Some states also conduct workshops to encourage energy conservation measures.
• Minority Business Development Centers offer a wide range of services from initial counseling on how to start a business to more complex issues of planning and growth.
• Business Information Centers (BICs) provide the latest in high-tech hardware, software, and telecommunications to help small businesses get started. BIC is a place where business owners and aspiring business owners can go to use hardware/software, hard copy books, and publications to plan their business, expand an existing business, or venture into new business areas. Also, on-site counseling is available.
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Examples of Free Money From State Governments:
* Grants To North Dakota Women
* $100,000 to $300,000 From Massachusetts Venture Capital
* $25,000 To Upgrade Employees Skills (RI)
* $5,000 To Learn A New Technology (RI)
* $2,250 For Every New Job You Create
* $500,000 In Venture Capital From NY
* $150,000 For Tech Companies in MD
* $50,000 For Delaware Inventors
* $25,000 For Florida Tech Companies
* $40,000 To Recycle Tires (IN)
* $5,000 To Sell Overseas (IN)
* $30,000 To Start A Small Town Business (WI)
* $4,000 To Get The Technical Assistance You Need (MN)
* $15,000 For Entrepreneurs With Disabilities (IA
* $5,000 To Help You Write A Grant (KS)

State Economic Development Offices
Alabama
Alabama Development Office
401 Adams Avenue
Montgomery, AL 36104-4340
800-248-0033
334-242-0400
Fax: 334-242-0415
www.ado.state.al.us
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Alaska
Alaska Department of Commerce and Economic Development
P.O. Box 110800
Juneau, AK 98111
907-465-2017
800-478-LOAN
Fax: 907-465-3767
www.commerce.state.ak.us
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Arizona
Department of Commerce
3800 N. Central, Suite 1650
Phoenix, AZ 85012
602-280-1480
800-542-5684
Fax: 620-280-1339
www.commerce.state.az.us/fr_abc.shtml
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Arkansas
Arkansas Economic Development Commission
1 State Capitol Mall
Little Rock, AR 72201
501-682-1121
Fax: 501-682-7341
www.aedc.state.ar.us
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California
California Trade and Commerce Agency
801 K St., Suite 1700
Sacramento, CA 95814
916-322-1394
www.state.ca.us/s/business
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Colorado
Office of Economic Development
1625 Broadway, Suite 1710
Denver, CO 80202
303-892-3840
Fax: 303-892-3848
TDD: 800-659-2656
www.state.co.us
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Connecticut
Economic Resource Center
Connecticut Department of Economic and Community Development
805 Brooks St., Bldg. 4
Rocky Hill, CT 06067-3405
860-571-7136
800-392-2122
Fax: 860-571-7150
www.cerc.com
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Delaware
Delaware Economic Development Office
John S. Riley
99 Kings Highway
P.O. Box 1401
Dover, DE 19903
302-739-4271
Fax: 302-739-5749
www.state.de.us/dedo/index.htm
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District of Columbia
Office of Economic Development
441 4th St., NW, Suite 1140
Washington, DC 20001
202-727-6365
www.dcHome page.net
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Florida
Florida Economic Development Council
502 East Jefferson Street
Tallahassee, FL 32301
850-222-3000
Fax: 850-222-3019
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Enterprise Florida
390 N. Orange Ave., Suite 1300
Orlando, FL 32801
407-316-4600
Fax: 407-316-4599
www.floridabusiness.com
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Georgia
Office of Economic Development
60 Executive Park South, NE, Suite 250
Atlanta, GA 30329-2231
404-679-4940
Fax: 800-736-1155
www.dca.state.ga.us
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Hawaii
Department of Business, Economic Development and Tourism
P.O. Box 2359
Honolulu, HI 96804
No. 1 Capitol District Bldg.
250 S. Hotel Street
Honolulu, HI 96813
808-586-2593
Fax: 808-586-2589
www.hawaii.gov/dbedt/index.html
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Idaho
Idaho Department of Commerce
700 West State Street
P.O. Box 83720
Boise, ID 83720-0093
208-334-2470
Fax: 208-334-2631
www.idoc.state.id.us/pages/businesspage.html
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Illinois
Dept. of Commerce and Community Affairs
620 E. Adams
Springfield, IL 62602
217-782-7500
Fax: 217-524-3701
www.commerce.state.il.us

100 West Randolph St., Suite 3-400
Chicago, IL 60601
312-814-7179
Fax: 312-814-2370
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Indiana
Indiana Department of Commerce
One North Capitol, Suite 700
Indianapolis, IN 46204
317-232-8888
800-463-8081
317-233-5123 Fax
www.ai.org/bdev/index.html
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Iowa
Department of Economic Development
200 East Grand Ave.
Des Moines, IA 50309-1827
515-242-4700
800-245-IOWA
Fax: 515-242-4809
TTY: 800-735-2942
www.state.ia.us/ided
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Kansas
Department of Commerce and Housing
700 SW Harrison St., Suite 1300
Topeka, KS 66603-3712
785-296-5298
Fax: 785-296-3490
TTY: 785-296-3487
www.kansascommerce.com
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Kentucky
Kentucky Cabinet for Economic Development
2300 Capital Plaza Tower
500 Mero Street
Frankfort, KY 40601
502-564-7670
800-626-2930
www.thinkkentucky.com
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Louisiana
Department of Economic Development
P.O. Box 94185
Baton Rouge, LA 70804
225-342-6000
225-342-5388
www.lded.state.la.us
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Maine
Office of Business Development
Department of Economic and Community Development
59 State House Station
Augusta, ME 04333
207-287-3153
Fax: 207-287-5701
TTY: 207-287-2656
www.econdevmaine.com
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Maryland
Department of Business and Economic Development
217 East Redwood St.
Baltimore, MD 21202
410-767-6300
800-811-0051
Fax: 410-333-6792
TDD/TTY: 410-333-6926
www.mdbusiness.state.md.us
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Massachusetts
Massachusetts Office of Business Development
10 Park Plaza, 3rd Floor
Boston, MA 02116
617-973-8600
800-5-CAPITAL
Fax: 617-973-8797
www.state.ma.us/mobd
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Michigan
Michigan Jobs Commission
201 North Washington Square
Victor Office Center, 4th Floor
Lansing, MI 48913
517-373-9808
Fax: 517-335-0198
www.mjc.state.mi.us
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Minnesota
Department of Trade and Economic Development (MTED)
500 Metro Square Blvd.
121 7th Place East
St. Paul, MN 55101-2146
651-297-1291
800-657-3858
www.dted.state.mn.us
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Mississippi
Department of Economic and Community Development
P.O. Box 849
Jackson, MS 39205-0849
601-359-3040
800-340-3323
Fax: 601-359-4339
www.decd.state.ms.us
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Missouri
Department of Economic Development (DED)
Truman Building, Room 720
P.O. Box 118
Jefferson City, MO 65102-0118
573-751-4962
800-523-1434
Fax: 573-526-2416
www.ecodev.state.mo.us
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Montana
Department of Commerce
1424 Ninth Ave.
P.O. Box 200505
Helena, MT 59620-0505
406-444-3814
800-221-8015 (in MT)
Fax: 406-444-1872
http://commerce.state.mt.us
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Nebraska
Department of Economic Development
P.O. Box 94666
301 Centennial Mall South
Lincoln, NE 68509
402-471-3111
800-426-6505 (in NE)
Fax: 402-471-3365
TDD: 402-471-3441
www.ded.state.ne.us
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Nevada
State of Nevada Commission on Economic Development
5151 South Carson St.
Carson City, NV 89710
775-687-4325
800-336-1600
Fax: 775-687-4450
www.state.nv.us/businessop

555 E. Washington Ave.
Suite 5400
Las Vegas, NV 89101
702-486-2700
Fax: 702-486-2701
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New Hampshire
State of New Hampshire
Department of Resources and Economic Development
172 Pembroke Road
P.O. Box 1856
Concord, NH 03302-1856
603-271-2341
800-204-5000 (in NH)
Fax: 603-271-6784
www.ded.state.nh.us/obid
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New Jersey
New Jersey Economic Development Authority
P.O. Box 990
Trenton, NJ 08625-0990
609-292-1800
www.njeda.com
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New Mexico
Economic Development Dept.
Joseph M. Montoya Bldg.
1100 St. Francis Drive
Santa Fe, NM 87505-4147
505-827-0170
800-374-3061
Fax: 505-827-0407
www.edd.state.nm.us
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New York
Empire State Development
One Commerce Plaza
Albany, NY 12245
518-474-7756
800-STATE-NY
www.empire.state.ny.us

633 Third Ave.
New York, NY 10017
212-803-3100
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North Carolina
Department of Commerce
Commerce Finance Center
301 N. Wilmington St.
P.O. Box 29571
Raleigh, NC 27626-0571
919-733-4977
Fax: 919-715-9265
www.commerce.state.nc.us/commerce
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North Dakota
Department of Economic Development and Finance
1833 East Bismarck Expressway
Bismarck, ND 58504-6708
701-328-5300
Fax: 701-328-5320
TTY: 800-366-6888
www.growingnd.com
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Ohio
Ohio Department of Development
P.O. Box 1001
Columbus, OH 43216-1001
614-466-5017
800-345-OHIO
Fax: 614-463-1540
www.odod.state.oh.us
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Oklahoma
Department of Commerce
900 North Stiles
P.O. Box 26980
Oklahoma City, OK 73126-0980
405-815-6552
800-879-6552.
Fax: 405-815-5199
www.locateok.com
www.odoc.state.ok.us/index.html
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Oregon
Economic Development Dept.
775 Summer St., NE
Salem, OR 97310
503-986-0260
Fax: 503-581-5115
www.econ.state.or.us/javaHome .htm
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Pennsylvania
Department of Community and Economic Development
433 Forum Building
Harrisburg, PA 17120
800-379-7448
www.dced.state.pa.us

Governor's Action Team
100 Pine Street, Suite 100
Harrisburg, PA 17101
717-787-8199
Fax: 717-772-5419
www.teampa.com
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Rhode Island
Economic Development Corporation
One West Exchange St.
Providence, RI 02903
401-222-2601
Fax: 401-222-2102
www.riedc.com
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South Carolina
Department of Commerce
P.O. Box 927
Columbia, SC 29202
803-737-0400
877-751-1262
Fax: 803-737-0418
www.callsouthcarolina.com
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South Dakota
Governor's Office of Economic Development
711 East Wells Ave.
Pierre, SD 57501-3369
605-773-5032
800-872-6190
Fax: 605-773-3256
www.state.sd.us/goed
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Tennessee
Department of Economic and Community Development
Rachel Jackson Bldg., 8th Floor
320 Sixth Avenue North
Nashville, TN 37243-0405
615-741-1888
Fax: 615-741-7306
www.state.tn.us
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Texas
Dept. of Economic Development
P.O. Box 12728
Austin, TX 78711
512-936-0260
800-888-0511
www.tded.state.tx.us
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Utah
Business and Economic Development Division
324 South State St., Suite 500
Salt Lake City, UT 84111
801-538-8800
Fax: 801-538-8889
www.ce.ex.state.ut.us
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Vermont
Department of Economic Development
National Life Building, Drawer 20
Montpelier, VT 05620-0501
802-828-3221
800-341-2211
Fax: 802-828-3258
www.thinkvermont.com
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Virginia
Economic Development Partnership
P.O. Box 798
Richmond, VA 23206
804-371-8100
Fax: 804-371-8112
www2.yesvirginia.org/YesVA
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Washington
Department of Community, Trade and Economic Development
906 Columbia St. SW
P.O. Box 48300
Olympia, WA 98504-8300
800-237-1233
access.wa.gov
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West Virginia
WV Development Office
1900 Kanawha Blvd., East
Charleston, WV 25305-0311
304-558-2234
800-982-3386
Fax: 304-558-0449
www.wvdo.org
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Wisconsin
Department of Commerce (COMMERCE)
201 W. Washington Avenue
Madison, WI 53707
Business Helpline:
800-HELP-BUSiness
Fax Request Hotline:
608-264-6154
Export Helpline:
800-XPORT-WIsconsin
www.commerce.state.wi.us
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Wyoming
Department of Commerce
2301 Central Ave.
Cheyenne, WY 82002
307-777-6303
Fax: 307-777-6005
http://commerce.state.wy.us
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Technology Assistance
The Small Business Technology Transfer (STTR) Program is a highly competitive program that reserves a specific percentage of federal research and development funding for awarding to small business and nonprofit research institution partners. Small business has long been where innovation and innovators thrive, and nonprofit research laboratories are instrumental in developing high-tech innovations. STTR combines the strengths of both entities by introducing entrepreneurial skills to hi-tech research efforts. There are specific requirements that must be met. To learn more about how to apply and the various agencies involved, contact Office of Technology, U.S. Small Business Administration, 409 Third St., SW, Washington, DC 20416; 202-205-6450; {www.sba.gov/SBIR/sbir.html}.
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$50,000,000 To Start An Airline
The Airline Deregulation Act gave airlines almost total freedom to determine which markets to serve domestically and what fares to charge for that service. The Essential Air Service Program was put into place to guarantee that small communities that were served by certificated air carriers before deregulation maintain a minimal level of scheduled air service. The Department of Transportation currently subsidizes commuter airlines to serve approximately 100 rural communities across the country that otherwise would not receive any scheduled air service. For more information, contact Office of Aviation Analysis, Office of the Assistant Secretary, U.S. Department of Transportation, 400 7th St., SW, Washington, DC 20590; 202-366-1053; {http://ostpxweb.dot.gov/aviation}.
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$700,000 If Hurt By Imports
The Economic Development Administration of the U.S. Department of Commerce funds the Trade Adjustment Assistance Program. If your company is affected by import competition, you may file a petition for certification of impact. If your firm is certified, you may then apply for technical assistance in diagnosing your problems, and assessing your opportunities. Once approved, your firm can apply for technical assistance to implement the recovery strategy. The average grant is for over $700,000. For more information, contact Economic Development Administration, U.S. Department of Commerce, 14th and Constitution Ave., NW, Room 7804, Washington, DC 20230; 202-482-5081; {www.doc.gov/eda}.
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Money to Sell Overseas

The Foreign Market Development Cooperator Program is designed to develop, maintain, and expand long-term export markets for U.S. agricultural products. The program has fostered a trade promotion partnership between the U.S. Department of Agriculture (USDA) and U.S. agricultural producers and processors who are represented by nonprofit commodity or trade associations called cooperators. The USDA and the cooperators pool their technical and financial resources to conduct market development activities outside the United States. Trade organizations compete for funds on the basis of the following allocation criteria: past export performance, past demand expansion performance, future demand expansion goals, and contribution levels. Projects include market research, trade servicing and more. For more information, contact the Foreign Agriculture Service, Marketing Operations Staff, Stop Code 1042, U.S. Department of Agriculture, Washington, DC 20250; 202-720-4327; {www.fas.usda.gov}.
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70,000 Businesses Get Uncle Sam's Venture Capital
The Small Business Investment Company (SBIC) programs are privately organized and privately managed investment firms that are licensed by the Small Business Administration. With their own capital and with funds borrowed at favorable rates through the federal government, SBICs provide venture capital to small independent businesses, both new and already established. A major incentive for the SBICs to invest in small businesses is the chance to share in the success of the small business if it grows and prospers. Small businesses qualifying for assistance from the SBIC program are able to receive equity capital, long-term loans, and expert management assistance. For more information on SBICs or for a Directory of Small Business Investment Companies, contact Investment Division, U.S. Small Business Administration, 409 Third St., SW, Washington, DC 20416; 202-205-6510; {www.sba.gov/INV}.
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$200,000 For A Risky Business
Not-yet-possible technologies are the domain of the National Institute of Standards and Technology's Advanced Technology Program (ATP). The ATP is a unique partnership between government and private industry to accelerate the development of high-risk technologies that promise significant commercial payoffs and widespread benefits for the economy. ATP projects focus on the technology needs of the U.S. industry. The ATP does not fund product development. It supports enabling technologies that are essential to the development of new products, processes, and services across diverse application areas. There are strict cost-sharing rules and peer-review competitions. For more information on how to apply for funding, contact Advanced Technology Program, National Institute of Standards and Technology, A407 Administration Building, Gaithersburg, MD 20899; 800-ATP-FUND (287-3863); {www.atp.nist.gov}.
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Unconventional Loan Programs To Start A Business When You Have No Money
The following is a description of loan programs available to low and moderate income individuals, minorities, Native Americans, Hispanics, refugees, unemployed individuals, welfare recipients, youths, and low and moderate income individuals who don't qualify for credit through conventional methods. Most of these programs allow individuals (depending on the situation) to roll closing costs and fees into the amount of the loan. So you actually go to the closing with NO money in your pocket. The aim of these programs is to stimulate economic growth through small businesses or microenterprises. Helping individuals become self-sufficient is the main focus, and also to challenge conventional methods of providing credit. All of the programs hope to demonstrate that persons with limited incomes are responsible, will repay, and can become successful if given access to knowledge and resources. Some programs are designed just for youths, (15-21 years old), to develop their own businesses, avoid drugs and crime, sharpen academic skills and form positive attitudes about themselves and their communities. This is accomplished by utilizing the leadership, communication, management and business skills they may have acquired through affiliation with the illegal drug trade and other street activities. Loan amounts can range from $50 to $2,000 with terms from six months to two years.The following is a small sample of many success stories that we found:
• Susanna Rodriquez started making ceramic figurines for children's parties. Susanna is a former teacher's assistant who presently works in the kitchen of her small apartment. Her creations fill every free corner. She was constantly looking for ways to expand her business. One day she was in a store where the owner sold similar products. As they were comparing notes, the owner mentioned ACCION New York. After four loans as a result of working with that organization, Susanna's monthly revenue from her ceramics business has increased from $350 a month to $800 a month. In time, she hopes to open her own store. She feels that if it were not for ACCION, she would not be at the advanced stage of business that she is enjoying now.
• Jeff Hess of Virginia had fished and hunted with his father since the age of five. He earned his associates degree in business and was working in an assembly plant for a moderate hourly wage, but wanted more. At the age of 24, he didn't see opportunity coming to call on him because he had no money and no credit. He and his wife, Cherylanna, enrolled in the BusinessStart class at People, Inc. With this training, assistance in small business planning, and a small loan, Jeff and Cherylanna were able to buy a bait shop in Honaker and turn it into Bucks and Bass, a full service hunting and fishing store. Located in prime hunting and fishing country, Bucks and Bass has nearly doubled its sales in its first year alone. Both Jeff and Cherylanna have left their jobs and run Bucks and Bass full time.
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Loan Programs
Alabama
SBA Microloan Program
, Birmingham Business Resource Center, 110 12th Street North, Birmingham, AL 35203, 205-250-6380, Fax: 205-250-6384, Email: bbrc@inlinenet.net

Arizona
Borrowers' Circle
, Self-Employment Loan Fund, Inc., 201 N. Central Ave., Suite CC10, Phoenix, AZ 85703, 602-340-8834, Fax: 602-340-8953, TDD: 800-842-4681, Email: Self-Employment@Juno.com
Small Business Loan, PEEP Microbusiness and Housing Development Corporation, 1100 East Hao Way, Suite 209, Tucson, AZ 85713, 520-806-9513, Fax: 520-806-9515

Arkansas
The Good Faith Fund (GFF) - Peer Group Loan Program
, The Good Faith Fund (GFF), 2304 W. 29th Ave., Pine Bluff, AR 71603, 870-535-6233, Fax: 870-535-0741
Micro Loan, Good Faith Fund, 2304 West 29th Street, Pinebluff, AR 71603, 870-535-6233

California
Micro Enterprise Assistance Program of Orange County
, 18011 Skypark Circle, Suite E, Irvine, CA 92614, 949-252-1380
Self-Employment Loan Fund, Women's Economic Ventures of Santa Barbara, 1136 E. Montecito St., Santa Barbara, CA 93103, 805-965-6073, Fax: 805-962-9622
Self-Employment Microenterprise Development (SEMED), Economic and Employment Development Center (EEDC), 241 S. Figueroa St.,Los Angeles, CA 90012, 213-617-3953
The West Company, The West Enterprise Center, 367 N. State St., Suite 206, Ukiah, CA 95482,707-468-3553, Fax: 707-462-8945
Revolving Loan Fund, Tri-County Economic Development Corporation, 2540 Esplanade, Suite 7, Chico, CA 95973, 530-893-8732, Fax: 530-893-0820, Email: tcedcloan@thegrid.net, http://tricountyedc.org
City of Long Beach Microenterprise Loan, City of Long Beach Business Assistance Division, 200 Pine Avenue, Suite 400, Long Beach, CA 90802, 562-570-3822, 562-570-3800, www.ci.long-beach.ca.us/bdc
Micro-Loan Program, Oakland Business Development Corporation, 519 17th Street, Suite 100, Oakland, CA 94612, 510-763-4297, Fax: 510-763-1273, Email: mike@obdc.com, www.obdc.com
Entrepreneurial Resource Center Loan, Entrepreneurial Resource Center, 2555 Clovis Avenue, Clovis, CA 93612, 559-650-5050
Micro Loan Fund, Start Up: An East Palo Alto Micro-Business Initiative, 1935 University Avenue, East Palo Alto, CA 94303, 650-321-2193
The Los Angeles Community Development Bank Micro Loan Program, Community Financial Resource Center, 4060 S. Figueroa Street, Los Angeles, CA 90037, 323-233-1900, Fax: 323-235-1686
Micro Loan Revolving Loan Fund, Economic and Employment Development Corporation, 2411 Figueroa Street, Suite 240, Los Angeles, CA 90012, 213-617-3953
Micro Loan Fund, Interfaith Service Bureau, 2117 Cottage Way, Sacramento, CA 95828, 916-568-5020
Women's Initiative Loan Fund, Women's Initiative For Self Employment, 450 Mission Street, Suite 402, San Francisco, CA 94105, 415-247-9473
Small Business Micro-Lending Program, Lenders for Community Development, 111 West St. John St., Suite 710, San Jose, CA 95113, 408-297-9937, Fax: 408-297-4599
Peer Lending Circles, West Company, 306 East Redwood Ave., Suite 2, Ft. Bragg, CA 95437, 707-964-7571

Colorado
Business Center for Women (BCW)
, Mi Casa Resource Center for Women, 571 Galapago St., Denver, CO 80204, 303-573-1302, Fax: 303-595-0422
Project Success (PS), Mi Casa Resource Center for Women, 571 Galapago St., Denver, CO 80204, 303-573-1302, Fax: 303-595-0422
Micro Loan, Credit for All, Inc., 2268 Birch Street, Denver, CO 80207, 303-320-1955
Micro Loan , Colorado Capital Initiatives, 1616 17th Street, Suite 371, Denver, CO 80202, 303-628-5464
Small Business Loan, Colorado Enterprise Fund, 1888 Sherman Street, Suite 530, Denver, CO 80203, 303-860-0242, Email: microloans@coloradoenterprisefund.org, www.coloradoenterprisefund.org
Community Enterprise Lending Initiative, Denver Small Business Development Center, 1445 Market Street, Denver, CO 80203,303-620-8076, Fax: 303-514-3200
El Valle Microloans, San Luis Valley Christian Community Services, P.O. Box 984, 309 San Juan Avenue, Alamosa, CO 81101, 719-589-5192, Fax: 719-589-4330, Email: ccs@slvccs.org, www.slv.org/ccs

Connecticut
Hartford Economic Development Corporation Loan Programs
, Hartford Economic Development Corporation, 15 Lewis St., Hartford, CT 06103, 860-527-1301, Fax: 860-727-9224
Trickle Up Grant, Action for Bridgeport Community Development, 955 Connecticut Ave., Suite 1215, Bridgeport, CT 06607, 203-382-5440, Fax: 203-382-5442

Delaware
Capital Works Team Success Loans
, First State Community Loan Fund and YWCA of New Castle County, 100 West 10th Street, Suite 1005, Wilmington, DE 19801, 302-652-6774, Fax: 302-656-1272, Email: fsclf@diamond.net.ude.edu

District of Columbia
Youth Microloan Fund
, The Entrepreneurial Development Institute, P.O. Box 65882, Washington, DC 20035-5882, 202-882-8334
Micro Loan Fund, East of the River Community Development Corporation, 4800 Nannie Helen Burroughs, Washington, DC 20019, 202-397-0685

Florida
SBA Microenterprise Loan Fund
, Community Equity Investments, Inc. (CEII), 302 North Barcelona Street, Pensacola, FL 32501, 850-595-6234, 888-605-2505, Fax: 850-595-6234, Email: ceii2234@aol.com, http://ceii.pensacola.com
Micro Loan, Florence Villa Community Development Corporation, 111 Avenue R NE, Winter Haven, FL 33881, 941-299-3263 Fax: 941-299-8134
Working Capital Program, 3000 Biscayne Blvd., Suite 101A, Miami, FL 33137, 305-438-1407, Fax: 305-438-1411, www.workingcapital.org

Georgia
Working Capital Program
, 52 W. Alton St., Atlanta, GA 30303, 404-688-6884, Fax: 404-688-4009, www.workingcapital.org
Micro Loan Fund, Goodwill Industries of North Georgia, 2201 Glenwood Avenue, Atlanta, GA 30316, 404-486-8400

Hawaii
Refugee Enterprise Development Project, Immigrant Center, 720 N. King St., Honolulu, HI 96817, 808-845-3918, Fax: 808-842-1962
RED Manini MicroLoan Fund, The Immigrant Center, 720 North King Street, Honolulu, HI 96817, 808-845-3918, Fax: 808-842-1962, Email: redmanini@hotmail.com

Idaho
JTPA Entrepreneurial Training
, IDA-ORE Planning and Development Association, 10624 West Executive Dr., Boise, ID 83704, 208-322-7033, Fax: 208-322-3569
Small Business Micro-Loan Program, Panhandle Area Council, Inc., 11100 Airport Drive, Hayden, ID 83835, 208-772-0584

Illinois
Community Enterprising Project
, Uptown Center Hull House Association, 4520 N. Beacon St., Chicago, IL 60640, 312-561-3500, Fax: 312-561-3507
Peoria Area Micro Business Development Program, The Economic Development Council for The Peoria Area, Inc., 124 S. West Adams St., Suite 300, Peoria, IL 61602, 309-676-7500, Fax: 309-676-7534
Self-Employment Loan Fund, Chicago Association of Neighborhood Development Organizations, 123 W. Madison St., Suite 1100 ,Chicago, IL 60602-4589 312-372-2636, Fax: 312-372-2637
Self-Employment Training Program, Project NOW - Community Action Committee, 418 19th St., P.O. Box 3970, Rock Island, IL 61201, 309-793-6388, Fax: 309-793-6352
WBDC Micro-Loan Program, Women's Business Development Center, 8 S. Michigan Ave., Suite 400, Chicago, IL 60603, 312-853-3477, Fax: 312-853-0145
Women's Economic Venture Enterprise (WEVE), YWCA, 229 16th St., Rock Island, IL 61201, 309-788-9793, Fax: 309-788-9825
Women's Self-Employment Project (WSEP), 20 N. Clark St., Chicago, IL 60602, 312-606-8255, Fax: 312-606-9215
Self-Employment Loan Fund, Chicago Association of Neighborhood Development Organizations (CANDO), 123 West Madison, Suite 1100, Chicago, IL 60602-4589, 312-939-7171
City of Rockford Microenterprise Investment Match Program, City of Rockford, Illinois Community Development Department, 425 East State Street, Rockford, IL 61104, 815-987-5610, Fax: 815-967-6933, www.ci.rockford.il.us
Special Initiative Funds, ACCION Chicago, 3245 West 26th Street, Chicago, IL 60623, 773-376-9004
Micro Loan Program for Small Businesses, West Cook Community Development, 1127 S. Mannheim Rd., Ste. 1021, Westchester, IL 60559, 708-450-0100, Fax: 708-450-0655

Indiana
Eastside Community Fund
, Eastside Community Investments (ECI), 26 N. Arsenal Ave., Indianapolis, IN 46220, 317-637-7300, Fax: 317-637-7581
Rural Business Assistance Grant, City of Madison Micro Loan Program, P.O. Box 765, Versailles, IN 47042, 812-689-5505
City of Madison Micro Loan Program, SE Indiana Regional Planning Commission, P.O. Box 765, Versailles, IN 47042, 812-689-5505

Iowa
SBA Microloan Demonstration Program
, Siouxland Economic Development Corporation, 428 Insurance Centre, Sioux City, IA 51102, 712-279-6286, Fax: 712-279-6920
Small Enterprise Development, Institute for Social and Economic Development, 1901 Broadway, Suite 313, Iowa City, IA 52240, 319-338-2331, Fax: 319-338-5824
SBA Microloan Program, Siouxland Economic Development Corporation (SEDC), P.O. Box 447 , Sioux City, IA 50102, 712-279-6286

Kansas
SBA Micro-Loan, South Central Kansas Economic Development District, 209 East William, Suite 300, Wichita, KS 67202-4012, 316-262-7033, www.sckedd.org

Kentucky
Bluegrass Microenterprise Program, Community Ventures Corporation, 1450 N. Broadway, Lexington, KY 40505, 606-231-0054
Community Loan Fund
Human/Economic Appalachian Development Corp., P.O. Box 504, Berea, KY 40403, 606-986-8423 ,Fax: 606-986-1299
Micro-Enterprise Loan Fund
Kentucky Highlands Investment Corporation, P.O. Box 1738, London, KY 40743, 606-864-5175
SBA Micro Loan Program, Community Ventures Corporation ,1458 North Broadway, Lexington, KY 40505, 606-231-0054, Fax: 606-231-0261

Louisiana
Micro Loan Fund, Catholic Social Services, 1220 Aycock Street, Houma, LA 70360, 504-876-0490

Maine
Androscoggin Valley Council of Governments (AVCOG), 125 Manley Rd., Auburn, ME 04210, 207-783-9186, Fax: 207-783-5211
Aroostook County Action Program, Inc. - Fleet Bank Set-Aside, P.O. Box 1116, Presque Isle, ME 04769, 207-764-3721, Fax: 207-768-3040
Auburn Community Development Block Grant (CDBG) Microloan, Lewiston/Auburn Economic Growth Council, P.O. Box 1188, 37 Park St., Lewiston, ME 04240, 207-784-0161, Fax: 207-786-4412
Enterprise Fund, Coastal Enterprises Inc. (CEI), P.O. Box 268, Wiscasset, ME 04578, 207-882-7552
Entrepreneurs With Disabilities Loan Fund, Newmarket Tech, P.O. Box 724, Augusta, ME 04330, 207-287-7370, Fax: 207-287-3038
Maine Centers for Women, Work and Community, 46 University Dr., Augusta, ME 04330, 207-621-3440, Fax: 207-621-3429
Working Capital Program, Western Mountains Alliance, P.O. Box 29, Farmington, ME 04938, 207-778-7274, Fax: 207-778-7247
SBA Microloan Program, Eastern Maine Development Corporation, One Cumberland Place, Suite 300, Bangor, ME 04401, 207-942-6389, 800-339-6389, www.emdc.org
Microloan Fund, Biddeford-Saco Area Economic Development Corporation, 110 Main Street, Suite 1202, Saco, ME 04072, 207-282-1748, Fax: 207-282-3149, Email: bsaedc@lamere.net, www.bsaedc.org
New Ventures Loan Fund, Maine Centers for Women, Work, and Community, Stoddart House UMA, 46 University Drive, Augusta, ME 043303-9410, 207-621-3440, Fax: 207-621-3429, Email: wkrose@maine.edu
NMDC Microloan Program, Northern Maine Development Commission, 302 Main Street, P.O. Box 779, Caribou, ME 04736, 207-498-8736, 800-427-8736 (Maine only), Fax: 207-493-3108
Commercial Lending Program, Perquis Community Action Program, P.O. Box 1162, Bangor, ME 04402, 207-973-3500
Androscoggin Valley Micro Loan Program, Androscoggin Valley Council of Governments, 125 Manley Road, Auburn, ME 04210
Aroostook County Action Micro Loan Program
, Aroostook County Action Program Inc., P.O. Box 1166, Presque Isle, ME 04769, 207-768-3033

Maryland
Business Owners Startup Services (BOSS)
, Council for Economic and Business Opportunities, 800 N. Charles St., Suite 300, Baltimore, MD 21201, 410-576-2326, Fax: 410-576-2498, www.cebo.com/
Women Entrepreneurs of Baltimore, Inc. (WEB), 1118 Light St., Suite 202, Baltimore, MD 21230, 410-727-4921, Fax: 410-727-4989

Massachusetts
Hilltown Enterprise Fund
, Hilltown Community Development Corporation, 432 Main Rd. #A, Chesterfield, MA 01012, 413-296-4536, Fax: 413-296-4020
Microenterprise Development Program, Brightwood Development Corp., 2345 Main St., Springfield, MA 01107, 413-734-2144, Fax: 413-746-3934
Microenterprise Training and Loan Program for Refugees, Jewish Vocational Service, 105 Chauncy St., 6th Floor, Boston, MA 02111, 617-451-8147, Fax: 617-451-9973
New Bedford Working Capital Network, Community Economic Development Center, 166 William St., New Bedford, MA 02740, 508-999-9920, Fax: 508-990-0199
Hampton City Employment and Training Consortium, Springfield Business Development Fund (SBDF), 1176 Main St., Springfield, MA 01103, 413-781-6900
Hilltown Enterprise Fund, Hilltown Community Development Corporation, P.O. Box 17, Chesterfield, MA 01012, 413-296-4536
Working Capital Program, Working Capital, 99 Bishop Allen Drive, Cambridge, MA 02139, 617-576-8620, Fax: 617-576-8623, Email: infor@workingcapital.org, www.workingcapital.org
Micro Loan, Twin Cities Community Development Corporation, 195 Kimball Street, Fitchburg, MA 01420, 978-342-9561
Small Business Loan Fund, Dorchester Bay Economic Development Corporation, 594 Columbia Road, Suite 302, Dorchester, MA 02125, 617-825-4200, Fax: 617-825-3522, Email: DBSBAP@aol.com
Cambodian American League Fund, Cambodian American League of Lowell, Inc., 60 Middlesex Street, Lowell, MA 01852, 978-454-3707
Greater Springfield Entrepreneurial Fund, Hampden County Employment and Training Consortium, 1176 Main Street, Springfield, MA 01103, 413-781-6900, ext. 227
SEED Micro Loan Program, South Eastern Economic Development Corporation, 88 Broadway, Taunton, MA 02780, 508-822-1020

Michigan
Wise Program
, Ann Arbor Community Development Corporation, 2008 Hogback Rd., Suite 12, Ann Arbor, MI 48105, 313-677-1400, Fax: 313-677-1465
Lansing Community Micro-Enterprise Fund, 520 West Ionia, Lansing, MI 48933, 517-485-4446, Fax: 517-485-4761
Project Invest, Northwest Michigan Council of Governments, 2194 Dendrinos Drive, P.O. Box 506, Traverse City, MI 49685-0506, 231-929-5000, Fax: 231-929-5012, www.cog.mi.us

Minnesota
Arrowhead Microenterprise Program
, Arrowhead Community Economic Assistance Corporation, 702 Third Ave. S., Virginia, MN 55792-2775, 218-749-2914, Fax: 218-749-2913
Business Development Services, Women Venture, 2324 University Ave., Suite 200, St. Paul, MN 55114, 651-646-3808, Fax: 651-641-7223
Emerging Entrepreneur Development Program, Northwest Minnesota Initiative Fund, 4225 Technology Dr., Bemidji, MN 56601, 218-759-2057, Fax: 218-759-2328
Northeast Entrepreneur Fund, Inc., 820 Ninth St., N., Suite 140, Virginia, MN 55792, 218-749-4191, Fax: 218-741-4249
Revolving Loan Fund (RLF), North Star Community Development Corporation, 604 Board of Trade Building, 301 West First St., Duluth, MN 55802, 218-727-6690
Self-Employment Training Opportunities (SETO), Women Venture, 2324 University Ave., Suite 200, St. Paul, MN 55114, 651-646-3808, Fax: 651-641-7223
Child Care Provider Loan, Arrowhead Community Economic Assistance Corporation, 8880 Main Street, P.O. Box 406, Mountain Iron, MN 55768-0406, 218-735-8201, Fax: 218-735-8202, Email:aceac@rangenet.com
Micro Enterprise Loan Program, Neighborhood Development Ctr., 651 1/2 University Avenue, St. Paul, MN 55104, 651-291-2480, Fax: 651-291-2597
Northeast Entrepreneur Fund, 820 Ninth Street North, Virginia, MN 55792, 218-749-4191, Fax: 218-749-5213
Revolving Loan Fund, North Star Community Development Corporation, 301 West First Street, Suite 604, Duluth, MN 55802, 218-727-6690
Micro Loan, Phillips Community Development Corporation, 1014 East Franklin, Suite #1, Minneapolis, MN 55404, 612-871-2435, Fax: 612-871-8131
Dayton Hudson Artists Loan Fund, Resources and Counseling for the Arts, 308 Prince Street, Suite 270, St. Paul, MN 55101, 651-292-4381, Fax: 651-292-4315, TTY: 651-292-3218, www.rc4arts.org
Micro Loan Program, Northwest Minnesota Foundation, 4225 Technology Drive, NW, Bemidji, NM 56601, 218-759-2057, Fax: 218-759-2328, www.nwnf.org
SBA Loan, Women Venture, 2324 University Avenue, St. Paul, MN 55114, 651-646-3808

Mississippi
Small Farm Loan
, Alcorn State University, Small Farm Development Center, 1000 ASU Drive #1080, Alcorn State, MS, 39096-7500, 601-877-6449, Fax: 601-877-3931
SELF Loan Fund, Economic Alternatives, P.O. Box 5208, Holly Springs, MS 38634, 601-252-1575

Missouri
Microloan Program
, First Step Fund, 1080 Washington, Suite 204, Kansas City, MO 64105, 816-474-5111, Fax: 816-472-4207
SBA Microloan Program, Rural Missouri, Inc., 1014 Northeast Drive, Jefferson City, MO 65109, 800-234-4971, Fax: 573-635-5636

Montana
Action for Eastern Montana - Microbusiness Loan
, 2030 N. Merrill, Glendive, MT 59330-1309, 406-377-3564
Montana Microbusiness Finance Program, Montana Department of Commerce, 1424 9th Ave., Helena, MT 59620, 406-444-3494, Fax: 406-444-2808
Montana Women's Economic Development Group (WEDGO), Women's Opportunity and Resource Development, 127 N. Higgins, Missoula, MT 59802, 406-543-3550
Opportunities, Inc. - Microbusiness Finance Program Opportunities, Inc., P.O. Box 2289, Great Falls, MT 59403, 406-761-0310
Microbusiness Loan, District 7 Human Resources Development Council, P.O. Box 2016, Billings, MT 59103, 406-247-4710, Fax: 406-248-2943, Email: dist7hrdc@imt.net, www.imt.net/~dist7hrdc

Nebraska
Rural Enterprise Assistance Project
, Center for Rural Affairs, P.O. Box 406, Walthill, NE 68067, 402-846-5428, Fax: 402-846-5420
Rural Business Enterprise Program, Central Nebraska Community Services, Inc., 626 N Street, P.O. Box 509, Loup City, NE 68853, 308-745-0780, Fax: 308-745-0824, Email; cncsbd@micrord.com
Northeast Nebraska Microloan Fund, Northeast Nebraska Economic Development District, 111 South 1st Street, Norfolk, NE 68701, 402-379-1150, Fax: 402-378-9207, www.nenedd.org/mbu.htm
Small Enterprise Economic Development Loan (SEED), Mid-Nebraska Community Services, Inc., 16 West 11th Street, P.O. 2288, Kearney, NE 68848, 308-865-5675
Lincoln Action Program Loan, Lincoln Action Program, 2202 South 11th, Lincoln, NE 68502, 402-471-4515
Micro Loan Program, New Community Development Corporation, 3147 Ames Avenue, Omaha, NE 68131, 402-451-2939
Rural Enterprise Assistance Project (REAP), Center for Rural Affairs, 101 Tallman, P.O. Box 406, Walthill, NE 68067, 402-846-5428, Fax: 402-846-5420
Micro Business Training and Development Project, Catholic Charities - Juan Diego Center, 5211 South 31st Street, Omaha, NE 68107, 402-731-5413
Self Employment Loans Fund of Lincoln, Lincoln Partnership for Economic Development, P.O. Box 83006, Lincoln, NE 68501-3006, 402-436-2350, Fax: 402-436-2360, www.lped.com

Nevada
Nevada Microenteprise Initiative Microloan Funds
, Nevada Microenterprise Initiative, 116 East 7th Street, Suite 3, Carson City, NV 89701, 702-841-1420, Fax: 702-841-2221

New Hampshire
Working Capital-Microenterprise Peer Lending
, New Hampshire Community Loan Fund, 7 Wall St., Concord, NH 03301, 603-224-6669, Fax: 603-225-7254
Working Capital, New Hampshire Community Loan Fund, 7 Wall Street, Concord, NH 03301, 603-224-6669, Fax: 603-225-7425
Citizens Bank Women Business Owners' Loan Fund, Women's Business Center, 150 Greenleaf Avenue, Unit 8, Portsmouth, NH 03801, 603-430-2892
Working Capital, Women's Rural Entrepreneurial Network (WREN), 2013 Main Street, P.O. Box 331, Bethlehem, NH 03574, 603-869-9736, Fax: 603-869-9738, Email: WREN@connriver.net

New Jersey
Micro Loan, Trenton Business Assistance Corporation (TBAC), 36 Broad Street, Trenton, NJ 08608, 609-396-8271, Fax: 609-396-8603, Email: tbacsba@earthlink.net, www.trentonj.com/tbac.html

New Mexico
Women's Economic Self-Sufficiency Team (WESST Corp.), 414 Silver SW, Albuquerque, NM 87102-3239, 505-848-4760, Fax: 505-848-2368
Micro Loan Program, ACCION, #20 First Plaza NW, Suite 417, Albuquerque, NM 87102, 505-243-8844

New York
Adirondack Entrepreneurial Center, Adirondack Economic Development Corporation, P.O. Box 747, Saranac Lake, NY 12983, 518-891-5523, Fax: 518-891-9820
Entrepreneurship Training Program, Worker Ownership Resource Center, Inc., 400 E. Church St., Elmira, NY 14901, 607-737-5212, Fax: 607-734-6588
Micro-Enterprise Loan and Assistance Program, Church Avenue Merchants Block Association, 885 Flatbush Ave., Suite 202, Brooklyn, NY 11211, 718-287-0010, Fax: 718-287-2737
Minority and Women Business Development Center, Urban League of Rochester, New York, Inc., 215 Tremont St., Door #4, Rochester, NY 14608, 212-803-2418
Neighborhood Micro-Loan Program, Ridgewood Local Development Corporation, 59-09 Myrtle Ave., Ridgewood, NY 11385, 718-366-3806, Fax: 718-381-7080
N.Y. State Department of Economic Development Entrepreneurial Assistance Program, Albany-Colonie Regional Chamber of Commerce, 1 Computer Dr. S., Albany, NY 12205, 518-458-9851, Fax: 518-458-1055
Queens County Overall Economic Development Corporation - NY State Department of Economic Development Entrepreneurial Assistance Program, Queens County Overall Economic Development Corp., 120-55 Queens Blvd., Suite 309, Kew Gardens, NY 11424, 718-263-0546, Fax: 718-263-0594
Regional Economic Development Assistance Corporation Mini Loan Program, New York City Economic Development Corporation, 110 William St., New York, NY 10038, 212-618-8900
Rural Ventures Fund, Rural Opportunities, Inc., 400 East Ave., Rochester, NY 14607, 716-340-3387, Fax: 716-340-3337
WORC Loan Fund, Worker Ownership Resource Center, One Franklin Square, Exchange Street, Geneva, NY 14456
315-789-5061, Fax: 315-789-0261, www.atworc.org
Manhattan Loan Fund, Manhattan Borough Development Corporation, 15 Park Row, Suite 510, New York, NY 10038
212-791-3660, Fax: 212-571-0873
Micro Loan Program, Project Enterprise, 2303 7th Avenue, New York, NY 10030, 212-690-2024
ACCORD Business Development Program, ACCORD Corporation, 50 West Main Street, Friendship, NY 14739, 716-973-2322, Fax: 716-973-3014, Email: RVC_Fedz@eznet.net
Micro Loan Program, ACCION New York, 235 Havemeyer Street, Brooklyn, NY 11211, 718-599-5170, Email: accionnewyork@compuserve.com, www.accion.org
Appleseed Trust, MicroCredit Group of Central New York, 222 Herald Place, 2nd Floor, Syracuse, NY 13202, 315-424-9485, Fax: 315-424-7056
Trickle Up Program, Trickle Up, 121 West 27th St., Suite 504, New York, NY 10001, 212-362-7958

North Carolina
Child Care Providers
, Self-Help, 301 W. Main St., Durham, NC 27701, 800-476-7428, 919-956-4400, Fax: 919-956-4600, www.self-help.org
Good Work, 115 Market St. #211, Durham, NC 27702, 919-682-8473, Fax: 919-687-7033
Microbusiness Development, WAMY Community Action, Inc., P.O. Box 2688, Boone, NC 28607, 828-264-2421, Fax: 828-264-0952
Mountain Microenterprise Fund, 29 1/2 Page Ave., Asheville, NC 28801, 828-253-2834, Fax: 828-255-7953
North Carolina Microenterprise Loan Program (NCMLP), NC Rural Economic Development Center, Inc., 4021 Carya Dr., Raleigh, NC 27610, 919-250-4314, Fax: 919-250-4325
Northeastern Community Development Corporation, 154 Highway 158 East, Camden, NC 27921, 252-338-5466, Fax: 252-338-5639
West Greenville CDC Micro Loan Program, West Greenville Community Development Corporation, 706 West 5th St., P.O. Box 1605, Greenville, NC 27835-1605, 252-752-9277
Micro Loan, Mountain Microenterprise Fund (MMF), 29 1/2 Page Avenue, Asheville, NC 28801, 888-389-3089, www.mtnmicro.org
Micro Loan, Good Work, Inc., P.O. 25250, Durham, NC 27702, 919-682-8473
Microenterprise Loan Program, NC Rural Economic Development Center, 4021 Carya Drive, Raleigh, NC 27610, 919-250-4314
East Carolina Microenterprise Loan Program, 315 Turner Street, Beaufort, NC 28516, 252-504-2424, Fax: 252-504-2248

Ohio
Microenterprise Program, Lima-Allen Council for Community Affairs, 405 East Market St., Lima, OH 45801, 419-227-2586, Fax: 419-227-7626
CAC Microenterprise Training Program, Community Action Committee (CAC) of Pike County, 941 Market St., P.O. Box 799, Piketon, OH 45661, 740-289-2371, Fax: 740-289-4291
City of Cleveland Microloan Program, City of Cleveland Department of Economic Development, 601 Lakeside Ave., Room 210, Cleveland, OH 44114, 216-664-2406, Fax: 216-664-3681
Columbus/Franklin County Microloan Program, Columbus Countywide Development Corp., 941 Chatham Lane, Suite 207, Columbus, OH 43221, 614-645-6171, Fax: 614-645-8588
Food Ventures Project and Product Development Fund, ACEnet, 94 N. Columbus Rd., Athens, OH 44701, 740-592-3854, Fax: 740-593-5451
HHWP Community Action Commission, Microenterprise Development Program, HHWP Community Action Commission, 122 Jefferson St., P.O. Box 179, Findlay, OH 45839, 419-423-3755, Fax: 419-423-4115
Neighborhood Economic Development Loan Program (NEDL), Office of Economic Development, City of Toledo, One Government Center, Suite 1850, Toledo, OH 43604, 419-245-1426, Fax: 419-245-1462
Women Entrepreneurs, Inc., P.O. Box 2662, C-OH45201, 36 East 4th St., Suite 92, Cincinnati, OH 45201, 513-684-0700, Fax: 513-684-0779
Micro Loan Fund, Neighborhood House, Inc, 1000 Atchenson Street, Columbus, OH 43203, 614-252-4544, Fax: 614-252-7919, Email: lboykin@beol.net
Appalachian Microloan Program, Enterprise Development Corporation, 9080 Hocking Hills Drive, The Plains, OH 45780, 740-797-9646, 800-822-6096, Fax: 740-797-9659
Child Care Loan, Lima/Allen Council on Community Affairs (LACCA), 540 South Central, Lima, OH 45804, 419-227-2586, Fax: 419-227-7626
MicroLoan Program, Hamilton County Development Company, Inc., 1776 Mentor Avenue, Cincinnati, OH 45212, 513-631-8292, Email: lawalden@hcdc.com
MicroLoan, Columbus Countywide Development Corporation, 941 Chatham Lane, Suite 300, Columbus, OH 43221-2416, 614-645-6171, Fax: 614-645-85883, Email: ccdc@earthlink.net
Pike County Microloan, CAC of Pike County, Inc., 941 Market Street, Piketon, OH 45661, 740-289-2371

Oregon
SBA Microloan Program
, Cascades West Financial Services, Inc., 1400 Queen Avenue SE, P.O. Box 686, Albany, OR 97321, 541-924-8480, Fax: 541-967-4651, Email: dsearle@cwcog.cog.or.us
Microenterprise Loan, O.U.R. Federal Credit Union, P.O. Box 11922, Eugene, OR 97440, 541-485-1190
Micro Loan, Southern Oregon Women's Access to Credit, 33 North Central, Suite 209, Medford, OR 97501, 541-779-3992
Child Care Neighborhood Network Loan Fund, Rose Community Development Corporation, 7211 NE 62nd Avenue, Portland, OR 97206, 503-788-0826

Pennsylvania
Ben Franklin Enterprise Growth Fund
, Ben Franklin Technology Center of Southeastern Pennsylvania, 1110 Penn Center, 1835 Market St., Suite 1100, Philadelphia, PA 19103, 215-972-0877, Fax: 215-972-5588
Local Enterprise Assistance Program (LEAP), Bloomsburg University College of Business, 243 Sutliff Hall, Bloomsburg, PA 17815, 570-389-4591, Fax: 570-389-3892
Micro-Enterprise Development, Lutheran Children and Family Service, 45 Garrett Rd., Upper Darby, PA 19082, 610-734-3363, Fax: 610-734-3389
Service for Self-Employment Training and Support (ASSETS), Mennonite Economic Development Associates, 447 S. Prince St., Lancaster, PA 17603, 717-393-6089
Micro Loan, ASSETS, 447 South Prince Street, Lancaster, PA 17603, 717-393-6089, Fax: 717-290-7936
Micro Loan, Community Action Development Corporation of the Lehigh Valley, 605 Turner Street, Allentown, PA 18102, 610-433-5703
Community Capital Works, Philadelphia Development Partnership, 1334 Walnut Street, Philadelphia, PA 19107, 215-545-3100
Women's Opportunities Resource Program, Women's Opportunities Resource, 1930 Chestnut Street, Suite 1600, Philadelphia, PA 19103, 215-564-5500
Enterprise Growth Fund, Ben Franklin Technology Center of Southeastern Pennsylvania, 11 Penn Center, 1835 Market St., Suite 1100, Philadelphia, PA 19103, 215-972-6700, Fax: 215-972-5588

South Dakota
Revolving Loan Fund Program
, Northeast South Dakota Economic Corporation, 414 Third Ave. East, Sisseton, SD 57262, 605-698-7654, Fax: 605-698-3038

Tennessee
Community Microloan Program
, Knoxville's Community Development Corporation, Economic Ventures, Inc., P.O. Box 3550, Knoxville, TN 37927-3550, 423-594-8762, Fax: 423-594-8659
Micro Loan Program, Firestone Retirees CDC, 659 N. Manassas St., Room 106-107, Memphis, TN 38107, P.O. Box 80073, Memphis, TN 38108, 901-454-9524

Texas
Micro Loan
, ACCION El Paso, 7744 North Loop Road, Suite A, El Paso, TX 79915, 915-779-3727
Tyler Development Fund, Tyler Economic Development Council, Inc., P.O. Box 2004, Tyler, TX 75710, 903-593-2004, Fax: 903-597-0699
MicroLoan Program, Corp. for Economic Development of Harris County, Inc., 2223 West Loop South, Suite 400, Houston, TX 77027, 713-840-8804, Fax: 713-840-8806
MicroLoan Program, Corporation for Economic Development of Harris County, Inc., 2223 West Loop South, Suite 400, Houston, TX 77027, 713-840-8804, Fax: 713-840-8806

Utah
Utah Microenterprise Loan Fund, 3595 South Main Street, Salt Lake City, UT 84115, 801-269-8408

Vermont
Burlington Revolving Loan Fund, Community and Economic Development Office, Room 32, City Hall, Burlington, VT 05461, 802-865-7144, Fax: 802-865-7024
Micro-Business Development Program, Central Vermont Community Action Council, Inc., 195 US Route 302/Berlin, Barre, VT 05641, 802-479-1053, Fax: 802-479-5353

Virginia
Eagle Staff Fund - Seed Grants, First Nations Development Institute, The Stores Building, 11917 Main St., Fredericksburg, VA 22408, 540-371-5615
Northern Virginia Microenterprise Loan - SBA, Ethiopian Community Development Council, Inc., 1038 S. Highland St., Arlington, VA 22206, 703-685-0510
Refugee Microenterprise Loan - ORR, Ethiopian Community Development Council, Inc., 1038 S. Highland St., Arlington, VA 22204, 703-685-0510
Microloan Fund, Small Business Development Center, Inc., 147 Mill Ridge Rd., Lynchburg, VA 24502, 804-582-6170
Business Loan Program, South Fairfax Regional Business Partnership, Inc., 6911 Richmond Highway, Alexandria, VA 22306, 703-768-1440, Fax: 703-768-0547
Micro Loan, VA Eastern Shore Economic Empowerment and Housing Corp., P.O. Box 814, Nassawadox, VA 23413, 757-442-4509, Fax: 757-442-7530,
New Enterprises Loan Fund, New Enterprises Fund, 930 Cambria Street, Christiansburg, VA 24073, 540-382-2002
Northern Neck Enterprise Program, Northern Neck Planning District Commission, 153 Yankee Point Road, Lancaster, VA 22503, 804-333-1900, www.nnpdc17.state.va.us
MicroLoan Program, Virginia Economic Development Corporation, P.O. Box 1505, Charlottesville, VA 22902-1505, 804-979-0114, Fax: 804-979-1597, Email: microloan.tjpd@state.va.us, www.avenue.org/Gov/TJPDC

Washington
African American Community Endowment Fund, Black Dollar Days Task Force, 116-21st Ave., Seattle, WA 98122, 206-323-0534
Cascadia Revolving Fund, 119 1st Ave. S., Suite 100, Seattle, WA 98104, 206-447-9226, Fax: 206-682-4804
DownHome Washington Microloan Program, Snohomish County Private Industry Council, 728 134th Street SW, Bldg. A, Suite 211, Everett, WA 98204, 425-743-9669, 425-353-2025, Fax: 425-742-1177, Email: snopic@gte.net
CASH Loan Program, Washington CASH- Community Alliance for Self-Help, 410 Boston Street, Seattle, WA 98109, 206-352-1945, Fax: 206-352-1899, Email: washcash@nwlink.com, www.washingtoncash.org
Micro Loan Program, Tri-Cities Enterprise Association, 2000 Logston Boulevard, Richland, WA 99052, 509-375-3268, www.owt.com/tea
SNAP Program, Spokane Neighborhood Action Programs, 212 South Wall, Spokane, WA 99201, 509-456-7174, Email: lancaster@snapwa.org
Northwest Business Development Association, 9 South Washington, Suite 215, Spokane, WA 99201, 509-458-8555

West Virginia
Monroe Neighborhood Enterprise Center, Monroe County Community Services Council, P.O. Box 403, Union, WV 24883, 304-772-3381, Fax: 304-772-4014
Lighthouse MicroLoan, Lightstone CDC, H 363 Box 73, Moyers, WV 26815, 304-249-5200, Fax: 304-249-5310, www.lightstone.org

Wisconsin
ADVOCAP Business Development Loan Fund, ADVOCAP, Inc., 19 W. 1st St., Fond du Lac, WI 54935, 920-922-7760, Fax: 920-922-7214
Business Ownership and Operations, Juneau Business High School, 6415 West Mount Vernon, Milwaukee, WI 53213, 414-476-5480
Economic Development Project, West Cap, 525 2nd St., Glenwood City, WI 54013, 715-265-4271, Fax: 715-265-7031
Self-Employment Project, CAP Services, Inc., 1725 W. River Dr., Stevens Point, WI 54481, 715-345-5200, Fax: 715-345-6508
Small Business Loan, Wisconsin Women's Business Initiative, 2745 N. Dr. ML King Jr. Drive, Milwaukee, WI 53212, 414-263-5450, www.wwbic.com, Email: info@wwbic.com
Job and Business Development Loan, Wisconsin Coulee Region Community Action Program, 201 Melby Street, Westby, WI 54667, 608-634-3104
Revolving Loan Fund, CAP Services, 1725 West River Drive, Stevens Point, WI 54481, 715-345-5200
West CAP Child Care Loan, West Central Wisconsin Community Action Agency, Inc. (West CAP), 119 West 6th Avenue, Menomonie, WI 54751, 715-235-8525
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Free Business Assistance Programs
A helping hand is just a phone call away for individuals who want to enter into a small business or microenterprise. If you fall into any of the following categories: low to moderate income, Native American, minorities, women, welfare recipients, or have little or no money, you may be eligible for a wide range of assistance. These programs are aimed to assist individuals toward self-sufficiency. Imagine getting training, counseling, peer support and exchange, and mentoring for free to help you get the knowledge you need to start your own business. Learn how to prepare a business plan and get guidance from the best instructors in the country. One such program is NOVA, located in Arkansas. Their program has four major components: Group Training; Individual Sessions; Business Start-Up; and Networking and Mentoring. Imagine youths able to receive effective business course training. One such program is Kidpreneur Enterprises, located in Michigan. This program is available to all youths who express an interest in owning and operating their own small business. Kidpreneur is designed to provide and instill concepts and experiences in the minds of youths. Doors can open for entrepreneurs, like Adina Rosenthal, owner of Threadbearer, a fabric and accessory shop located on Capitol Hill. At a very young age, Adina knew she wanted to work with fabrics. At age 17, she lost the use of her right arm when she was hit by a logging truck. After receiving her degree from the Fashion Institute of Design and Merchandising, she attempted to get work at various design companies only to be passed over time and time again. A friend suggested she join the Black Dollar Days' program for entrepreneurs. After completing their entrepreneurial program, Adina opened Threadbearer. She accredits her success to the assistance she received, and is still receiving, from the Black Dollar Days Task Force. Daryl Anderson, an experienced roofer, lacked the necessary skills to run a business of his own. In 1994, Daryl began his involvement with the Cottage Industry Programs offered by the Portsmouth Community Development Group (PCDG) in Montana. After a year of technical assistance, the use of an office, and hours of encouragement, Daryl and his wife Karen were able to open Quality Roofing and Siding. Daryl admits he never would have made it without PCDG's commitment to business counseling and training. The aim of these programs is to develop a participant's confidence and skills in understanding business enterprise and to further the development of viable business ideas.
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Technical Assistance Programs

Arizona
Micro Industry Credit Rural Organization, P.P.E.P. Microbusiness and Housing Development Corp., Inc., 1100 E. Ajo Way, Suite 209, Tucson, AZ 85713, 520-806-9513, Fax: 520-806-9515

Arkansas
New Opportunities for Venture Alternatives (NOVA), Good Faith Fund (GFF), 2304 W. 29th Ave., Pine Bluff, AR 71603, 870-535-6233

California
Arcata Economic Development Corporation, 100 Ericson Court, Suite 100, Arcata, CA 95521, 707-822-4616, Fax: 707-822-8982
California Indian Manpower Consortium, 4153 Northgate Blvd., Sacramento, CA 95834, 916-920-0285, Fax: 916-641-6338
Center for Community Futures, P.O. Box 5309, Elmwood Station, Berkeley, CA 94705, 510-339-3801, Fax: 510-339-3803
Micro Enterprise Assistance Program of Orange County, 18011 Skypark Circle, Suite E, Irvine, CA 92614, 949-252-1380
Private Industry Council, 2425 Bisso Lane, Suite 200, Concord, CA 94520, 925-646-5377, Fax: 925-646-5299
Self-Employment Microenterprise Development (SEMED), Economic and Employment Development Center (EEDC), 241 S. Figueroa St., Los Angeles, CA 90012, 213-617-3953
The West Company, The West Enterprise Center, 367 North State St., Suite 206, Ukiah, CA 95482, 707-468-3553, Fax: 707-462-8945
Training, Network and Business Incubator, San Francisco Renaissance, 275 5th St., San Francisco, CA 94103, 415-541-8580, Fax: 415-541-8589
Women's Economic Ventures of Santa Barbara, 1216 State St., Suite 610, Santa Barbara, CA 93101, 805-965-6073, Fax: 805-962-9622

Colorado
Mi Casa Resource Center for Women, 571 Galapago St., Denver, CO 80204, 303-573-1302, Fax: 303-595-0422

Connecticut
Aid to Artisans, Inc., 14 Brick Walk Lane, Farmington, CT 06032, 860-677-1649, Fax: 860-676-2170
Entrepreneurial Center for Women, Hartford College for Women, 50 Elizabeth St., Hartford, CT 06105, 860-768-5681, Fax: 860-768-5622
Hartford Economic Development Corporation, 15 Lewis St., Hartford, CT 06103, 860-527-1301, Fax: 860-727-9224

District of Columbia
Accion International, Department of U.S. Operations, 733 15th St. NW, Suite 700, Washington, DC 20005, 202-393-5113, Fax: 202-393-5115
LEDC Microenterprise Loan Fund, Latino Economic Development Corp., Inc., 2316 18th St., NW, Washington, DC 20009, 202-588-5102, Fax: 202-588-5204
New Enterprise Training for Profits (NET/PRO), Venture Concepts, 325 Pennsylvania Ave., SE, Washington, DC 20003, 202-543-1200, Fax: 202-543-0254
SCORE, National SCORE Office, 409 3rd St., SW, Washington, DC 20024, 800-634-0245
Youth Microloan Fund, The Entrepreneurial Development Institute, P.O. Box 65882, Washington, DC 20035-5882, 202-822-8334

Georgia
Entrepreneurial Training, Grasp Enterprises, 55 Marietta, Suite 2000, Atlanta, GA 30303, 404-659-5955, Fax: 404-880-9561

Hawaii
Pacific Business Center Program, University of Hawaii, BUS-AD 413, 2404 Maile Way, Honolulu, HI 96822, 808-956-6286
Refugee Enterprise Development Project, Immigrant Center, 720 North King St., Honolulu, HI 96817, 808-845-3918, Fax: 808-842-1962

Illinois
Chicago Association of Neighborhood Development Organizations, 123 W. Madison St., Suite 1100, Chicago, IL 60602, 312-372-2636, Fax: 312-372-2637
Community Enterprising Project, Uptown Center Hull House Association, 4520 North Beacon St., Chicago, IL 60640, 312-561-3500, Fax: 312-561-3507
Peoria Area Micro Business Development Program, The Economic Development Council for The Peoria Area, Inc., 124 SW Adams St., Suite 300, Peoria, IL 61602, 309-676-7500, Fax: 309-676-7534
Women's Business Development Center, 8 South Michigan Ave., Suite 400, Chicago, IL 60603, 312-853-3477, Fax: 312-853-0145
Women's Self-Employment Project, 20 N. Clark St., Chicago, IL 60602, 312-606-8255, Fax: 312-606-9215
Women's Economic Venture Enterprise (WEVE), YWCA, 229 16th St., Rock Island, IL 61201, 309-788-9793, Fax: 309-788-9825

Indiana
Eastside Community Fund, Eastside Community Investments (ECI), 26 North Arsenal Ave., Indianapolis, IN 46220, 317-637-7300, Fax: 317-637-7581
Indiana Small Business Development Center Network, One North Capitol, Suite 1275, Indianapolis, IN 46204, 317-264-6871, Fax: 317-264-2806

Iowa
Siouxland Economic Development Corporation (SEDC), 428 Insurance Centre, Sioux City, IA 51102, 712-279-6286, Fax: 712-279-6920
Small Enterprise Development, Institute for Social and Economic Development, 1901 Broadway, Suite 313, Iowa City, IA 52240, 319-338-2331, Fax: 319-338-5824

Kentucky
Community Loan Fund, Human/Economic Appalachian Development Corporation, P.O. Box 504, Berea, KY 40403
606-986-8423, Fax: 606-986-1299
Community Ventures Corporation Bluegrass Microenterprise Program, 1450 North Broadway, Lexington, KY 40506, 606-231-0054

Maine
Androscoggin Valley Council of Governments (AVCOG's), 125 Manley Rd., Auburn, ME 04210, 207-783-9186, Fax: 207-783-5211
Aroostook County Action Programs, Inc., 771 Main St., Presque Isle, ME 04769, 207-764-3721, Fax: 207-768-3040
Community Concepts Inc. (CCI), P.O. Box 278, Market Square, South Paris, ME 04281, 207-743-7716, Fax: 207-743-6513
Enterprise Development Fund, Coastal Enterprises, Inc., P.O. Box 268, Water St., Wiscasset, ME 04578, 207-882-7552, Fax: 207-882-7308
Greater Portland Economic Development Council, 145 Middle St., Portland, ME 04101, 207-772-1109, Fax: 207-772-1179
Growth Council of Oxford Hills, 150 Main St., South Paris, ME 04281, 207-743-8830, Fax: 207-743-5917
Maine Centers for Women, Work and Community, 46 University Dr., Augusta, ME 04330, 207-621-3440, Fax: 207-621-3429
New Ventures, Maine Centers for Women, Work, and Community, Stoddard House, University of Maine, Augusta, ME 04330, 207-621-3433, Fax: 207-621-3429
Service Corps of Retired Executives (SCORE), 66 Pearl St., Portland, ME 04101, 207-772-1147
University of Maine Cooperative Extension, 5741 Libby Hall, Room 106, Orono, ME 04469-5741, 207-581-3167, Fax: 207-581-1387
USM School of Applied Science/Department of External Programs, University of Southern Maine, 37 College Ave., Graham, ME 04038, 207-780-5439, Fax: 207-780-5129

Maryland
Business Owners Start-Up Services (BOSS), Council of Economic and Business Opportunities, 800 North Charles St., Suite 300, Baltimore, MD 21201, 410-576-2326, Fax: 410-576-2498
Women Entrepreneurs of Baltimore, Inc., 1118 Light St., Suite 202, Baltimore, MD 21230, 410-727-4921, Fax: 410-727-4989

Massachusetts
Berkshire Enterprises, University of Massachusetts Donahue Institute, 24 Depot St., P.O. Box 2297, Pittsfield, MA 01201, 413-448-2755, Fax: 413-448-2749
Brightwood Development Corporation
, 2345 Main St., Springfield, MA 01107, 413-734-2144, Fax: 413-746-3934
Hilltown Enterprise Fund, Hilltown Community Development Corporation, 432 Main Rd. #A, Chesterfield, MA 01012, 413-296-4536, Fax: 413-296-4020
Microenterprise Training and Loan Program for Refugees, Jewish Vocational Service, 105 Chauncy St., 4th Floor, Boston, MA 02111, 617-451-8147, Fax: 617-451-9973
Community Economic Development Center, 166 William St., New Bedford, MA 02740, 508-979-4684, Fax: 508-990-0199
Small Business Development System (SBDS), The Howells Group, SIS Management, 930 Commonwealth Ave., South, Boston, MA 02215, 717-264-6205, Fax: 717-731-6531
The Trusteeship Institute, 15 Edwards Square, Northampton, MA 01060, 413-259-1600

Michigan
Ann Arbor Community Development Corporation, 2008 Hogback Rd., Suite 12, Ann Arbor, MI 48105, 313-677-1400, Fax: 313-677-1465
Grand Rapids Opportunities for Women (GROW), Center for Women, 25 Sheldon Blvd. SE, Suite 210, Grand Rapids, MI 49503, 616-458-3404
Kidpreneur Enterprises, Metropolitan Chamber of Commerce, 400 N. Saginaw St., Suite 101A, Flint, MI 48502, 810-235-5514, Fax: 810-235-4407
Northern Economic Initiatives Corporation, 1009 West Ridge, Marquette, MI 49855, 906-228-5571, Fax: 906-228-5572
Supportive Entrepreneurial Program, Community Action Agency of South Central Michigan, 175 Main St., Battle Creek, MI 49014, 616-965-7766, Fax: 616-965-1152

Minnesota
American Institute of Small Business, 7515 Wayzata Blvd., Suite 129, Minneapolis, MN 55426, 612-545-7001, Fax: 612-545-7020
Arrowhead Community Economic Assistance Corporation, 702 Third Ave. South, Virginia, MN 55792-2775, 218-749-2914, Fax: 218-749-2913
Emerging Entrepreneur Development Program, Northwest Minnesota Initiative Fund, 4225 Technology Dr., Bemidji, MN 56601, 208-759-2057, Fax: 208-759-2328
Northeast Entrepreneur Fund, Inc., 820 Ninth St., North, Suite 140, Virginia, MN 55792, 218-749-4191, Fax: 218-741-4249
Self-Employment Investment Demonstration (SEID), Minnesota Department of Human Services, 444 Lafayette Rd., St. Paul, MN 55155-3814, 651-297-1316, Fax: 651-215-6388, www.dhs.state.mn.us/ecs/program/seid.htm
North Star Community Development Corporation, 615 Board of Trade Building, 301 West First St., Suite 604, Duluth, MN 55802, 218-727-6690

Missouri
Create Your Own Job, Missouri Western State College, 4525 Downs Dr., St. Joseph, MO 64507, 816-271-5830

Montana
Action for Eastern Montana, 2030 N. Merrill, Glendive, MT 59330-1309, 406-377-3564
Montana Women's Economic Development Group (WEDGO), Women's Opportunity and Resource Development, 127 North Higgins, Missoula, MT 59802, 406-543-3550, Fax: 406-721-4584
Opportunities, Inc., 905 1st Ave. North, Great Falls, MT 59403, 406-761-0310

Nebraska
Rural Enterprise Assistance Project, Center for Rural Affairs, P.O. Box 406, Walthill, NE 68067, 402-846-5428, Fax: 402-846-5420

New Mexico
Women's Economic Self-Sufficiency Team (WESST Corp.), 414 Silver SW, Albuquerque, NM 87102-3239, 505-848-4760, Fax: 505-848-2368

New York
ACCION New York, 235 Havemeyer St., 3rd Floor, Brooklyn, NY 11211, 718-599-5170, Fax: 718-387-9686
Microenterprise Loan and Assistance Program, Church Avenue Merchants Block Association, Inc., 885 Flatbush Ave., Brooklyn, NY 11226, 718-287-0100, Fax: 718-287-2737
Ms. Foundation for Women, Ms. Foundation, 120 Wall St., Floor 33, New York, NY 10005, 212-742-2300, Fax: 212-742-1653
New York Department of Economic Development, Local Development Corporation of East New York, 80 Jamaica Ave., Brooklyn, NY 11207, 718-385-6700, Fax: 718-385-7505
New York State Department of Economic Development, Entrepreneurial Assistance Program, Queens County Overall Economic Development Corporation, 120-55 Queens Blvd. #309, Jamaica, NY 11424, 718-263-0546, Fax: 718-263-0594
Rural Venture Fund, Rural Opportunities, Inc., 400 East Ave., Rochester, NY 15607, 716-340-3387, Fax: 716-340-3337

North Carolina
Rural Economic Development Centers, Inc., 4021 Carya Dr., Raleigh, NC 27610, 919-250-4314, Fax: 919-250-4325
WAMY Community Action, Inc., P.O. Box 2688, Boone, NC 28607, 828-264-2421, Fax: 828-264-0952
Northeastern Community Development Corporation, 154 US Highway 158 East, Camden, NC 27921, 252-338-5466, Fax: 252-338-5639

North Dakota
Center for Innovation and Business Development
, Box 8372, UND, Grand Forks, ND 58202, 701-777-3132, Fax: 701-777-2339

Ohio
The Appalachian Center for Economic Networks (ACEnet), 94 North Columbus Rd., Athens, OH 45701, 740-592-3854, Fax: 740-593-5451
The Chamber of Women's Business Initiative Program, 37 North High St., Columbus, OH 43215, 614-225-6910
Ventures in Business Ownership, Columbiana Career Center, 9364 St. Rt. 45, Lisbon, OH 44432, 330-424-9561, ext. 34, Fax: 330-424-9719, (Serving Columbiana, Mahoning, Carroll counties and parts of Pennsylvania and West Virginia)
Ehove Career Center, 316 West Mason Rd., Milan, OH 44846, 419-499-4663, Fax: 419-499-4076,
www.ehove-jvs.k12.oh.us, (Serving Huron, Erie and Ottawa counties)
Guernsey-Noble Career Center, 57090 Vocational Rd., Senecaville, OH 43780, 740-685-2516, Fax: 740-685-2518, (Serving Guernsey, Noble, Muskingum and Perry counties)
Greene County Career Center, 2960 West Enon Rd., Xenia, OH 45385, 937-426-6636, Fax: 937-372-8283, (Serving Montgomery, Greene, Clark and Miami counties)
Medina County Career Center, 1101 West Liberty St., Medina, OH 44256, 330-725-8461, Fax: 330-725-3842, (Serving Medina county and surrounding area)
Penta County Vocational School, 30095 Oregon Rd., Perrysburg, OH 43551, 419-666-1120, Fax: 419-666-6049, (Serving Northwest Ohio)
Polaris Career Center, 7285 Old Oak Blvd., Middleburg, OH 44130, 440-891-7703
Fax: 440-826-4330, www.polaris.edu, (Serving Cuyahoga county)
Upper Valley Applied Technology Center, 8811 Career Dr., Piqua, OH 45356, 937-778-8419, (Serving Miami, Shelby, Darke and portions of surrounding counties)
Women's Business Resource Program of Southeast Ohio, 20 East Circle Dr., Suite 155, Athens, OH 45701, 740-593-0474, Fax: 740-593-1795
Women Entrepreneurs, Inc., 36 East 4th St. #92, Cincinnati, OH 45202, 513-684-0700, Fax: 513-684-0779
Women's Network Mentoring Program, Women's Network, 526 S. Main St., Suite 221, Akron, OH 44311, 330-379-9280, 330-379-3454

Pennsylvania
A Service for Self-Employment Training and Support (ASSETS), Mennonite Economic Development Associates, 447 S. Prince St., Lancaster, PA 17603, 717-393-6089
Micro-Enterprise Development, Lutheran Children and Family Service, 45 Garrett Rd., Upper Darby, PA 19082, 610-734-3363, Fax: 610-734-3389
Philadelphia Small Business Loan Fund, LaSalle University Small Business Development Center, 1900 West Olney Ave., Box 828, Philadelphia, PA 19141, 215-951-1416, Fax: 215-951-1597

Rhode Island
Elmwood Neighborhood Housing Services, Inc. (N.H.S.), 9 Atlantic Ave., Providence, RI 02907, 401-461-4111

South Dakota
Northeast South Dakota Energy Conservation Corporation, NE South Dakota Energy Conservation Corp., 414 Third Ave. East, Sisseton, SD 57262, 605-698-7654

Vermont
Burlington Revolving Loan Fund, Community and Economic Development Office, Room 32, City Hall, Burlington, VT 05461, 802-865-7144
Micro-Business Development Program, Central Vermont Community Action Council, Inc., 195 US Route 302/Berlin, Barre, VT 05641, 802-479-1053, Fax: 802-479-5353

Virginia
Association of Farmworker Opportunity Programs, 1611 N. Kent St., Suite 910, Arlington, VA 22209, 703-528-4141, Fax: 703-528-4145
Oweesta Program, First Nations Development Institute, The Stores Bldg., 11917 Main St., Falmouth, VA 22408, 540-371-5615, Fax: 540-371-3505
United Community Ministries (UCM), 7511 Fordson Rd., Alexandria, VA 22306, 703-768-7106, Fax: 703-768-4788

Washington
Cascadia Revolving Fund, 119 1st Ave. S., Suite 100, Seattle, WA 98104, 206-447-9226, Fax: 206-682-4804
The Inner-City Entrepreneurial Training Program (ICETP), Black Dollar Task Force, 116-21st Ave., Seattle, WA 98122, 206-323-0534, Fax: 206-323-4701

West Virginia
Center for Economic Options, 601 Delaware Ave., Charleston, WV 25302, 304-345-1298, Fax: 304-342-0641
Monroe Neighborhood Enterprise Center, Monroe County Community Services Council, P.O. Box 403, Union, WV 24883, 304-772-3381, Fax: 304-772-4014

Wisconsin
Advocap, Inc., 19 W. 1st St. , Fond du Lac, WI 54935, 920-922-7760, Fax: 920-922-7214
Business Ownership and Operations, Juneau Business High School, 6415 West Mount Vernon, Milwaukee, WI 53213, 414-476-5480
Cap Services, Inc., 5499 Highway 10 East, Stevens Point, WI 54481, 715-345-5200, Fax: 715-345-5206
Economic Development Project, West Cap, 525 2nd St., Glenwood City, WI 54013, 715-265-4271, Fax: 715-265-7031
Women's Business Initiative Corporation, 2745 Dr. Martin Luther King Dr., Milwaukee, WI 53212, 414-372-2070, Fax: 414-263-5456
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State Government Money Programs For Selling Overseas
Some state government economic development programs offer special help for those who need financial assistance in selling overseas. Contact your state Economic Development Office listed in the blue pages of your phone book.
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Small Business Administration (SBA) Export Loans
This agency makes loans and loan guarantees to small business concerns as well as to small business investment companies, including those that sell overseas. It also offers technical assistance, counseling, training, management assistance, and information resources, including some excellent publications to small and minority businesses in export operations. Contact your local or regional SBA office listed in the blue pages of your telephone book under Small Business Administration, or Small Business Administration, Office of International Trade, 409 3rd St., SW, Washington, DC 20416, 202-205-6720; {www.sbaonline.sba.gov/oit/finance}.
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Agency For International Development (AID)
The Agency for International Development was created in 1961 by John F. Kennedy. AID offers a variety of loan and financing guarantee programs for projects in developing countries that have a substantial developmental impact, or for the exportation of manufactured goods to AID-assisted developing countries. Some investment opportunities are region specific, which include the Association of Southeast Asian National, the Philippines, and Africa. For more information, contact the Office of Investment, Agency for International Development, 515 22nd St. NW, Room 301, Washington, DC 20523-0231; 703-875-1551; {www.info.usaid.gov}.
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Grants to Train Local Personnel
The Trade and Development Agency has the authority to offer grants in support of short-listed companies on a transaction specific basis. These are usually in the form of grants to cover the cost of training local personnel by the company on the installation, operation, and maintenance of equipment specific to bid the proposal. The average grant awarded is $320,000. Contact: Trade and Development Agency, 1621 N. Kent St., Suite 200, Arlington, VA 22209; 703-875-4357; Fax: 703-875-4009.
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Consortia of American Businesses in Eastern Europe (CABEE)
CABEE provides grant funds to trade organizations to defray the costs of opening, staffing, and operating U.S. consortia offices in Eastern Europe. The CABEE grant program initially began operations in Poland, the Czech Republic, Slovikia, and Hungary, targeting five industry sectors: agribusiness/agriculture, construction/ housing, energy, environment, and telecommunications. Contact: CABEE, Department of Commerce, 14th and Constitution Avenue, Room 1104, Washington, DC 20230, 202-482-5004; Fax: 202-482-1790; {www.ita.doc.gov/oetca}.
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Consortia of American Businesses in the Newly Independent States (CABNIS)

This program was modeled after CABEE and stimulates U.S. business in the Newly Independent States (NIS) and assists the region in its move toward privatization. CABNIS is providing grant funds to nonprofit organizations to defray the costs of opening, staffing, and operating U.S. consortia offices in the NIS. Contact: CABNIS, Department of Commerce, 14th and Constitution Ave., Washington, DC 20230, 202-482-5004; {www.ita.doc.gov/export_admin/brochure.html - info}. For financing and a listing of grantees, contact {www.itaiep.doc.gov/bisnis/finance/cabnis.htm}.
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Money To Start A Business When You're Out Of Work

There are literally hundreds of programs around the country that provide training and money to out-of-work and low income people who want to start their own businesses. Most of these organizations are nonprofit and obtain money from a variety of sources, including government grants. The target population of many of these programs is women. The Self-Employment Loan Fund in Phoenix, AZ, has helped over 350 people get training and money to start their own businesses. For information, contact Self-Employment Loan Fund, Inc., 201 North Central Ave., Suite CC10, Phoenix, AZ 95073; 602-340-8834; {www.onlinewbc.org/docs/wbcs/AZPhoenix.html}. Iowa has the Self-Employment Loan Program, which provides low interest loans to people with low income or disabilities. For more information, contact Iowa Department of Economic Development, 200 E. Grand Ave., Des Moines, IA 50309; 800-245-IOWA; {www.smart.state.ia.us/financial.htm#selp}. Many of these programs offer business loans to people who are at or below the poverty level. These programs may be identified though your state Office of Economic Development located in the blue pages of your phone book. You may also try contacting the state Office of Social Services listed in the blue pages of your phone book. The Aspen Institute keeps track of many of these organizations and sells a directory called Directory of U.S. Microenterprise Development Programs for $15.00. To order a copy, contact Aspen Institute, 1333 New Hampshire Ave., NW, Suite 1070, Washington, DC 20036; 202-736-5800.
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Money To Buy Out The Boss
The government doesn't want your boss to move your company or close it down. So the government has set up state and local programs that help employees get the money they need to buy out the boss. Wisconsin has a program called the Employee Ownership Assistance Loan Program that can be used to buy a company that has expressed the intent to downsize or close. Contact your state Office of Economic Development listed in the blue pages of your phone book to investigate how you can buy out your boss.
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Money For Entrepreneurs With Disabilities
Entrepreneurs with disabilities can apply for up to $50,000 from the Minority, Woman and Disabled Participation Loan Program in Illinois through the Department of Commerce and Community Affairs. Iowa offers grants up to $15,000 through a program called Entrepreneurs with Disabilities from the Iowa Department of Economic Development. Iowa also offers low interest loans to those with disabilities through its Self-Employment Loan Program. Connecticut has laws that make sure entrepreneurs with disabilities (and other minorities) get up to 25% of state government contracts through the Set-Aside Unit of the Department of Administrative Services. Maryland even has venture capital set aside for the disabled in its Equity Participation Program of the Maryland Small Business Development Financing Authority. The U.S. Small Business Administration used to have a special program for people with disabilities, but now includes them in its major loan program. See what your state has to offer by contacting your state Office of Vocational Rehabilitation or the Office of Economic Development listed in the blue pages of your phone book.
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Free Help In Starting a Business, Plus $800, If You Lose Your Job From A Dirty Company
Free entrepreneurial training is available if you lost your job because of a company's compliance with the Clean Air Act. The program was initiated from the Environmental Protection Agency's Clean Air Act, which amended the Department of Labor's Job Training Partnership Act (Title III). So it's the U.S. Department of Labor that runs the training program. Are you confused yet? There is also money in this program to get $800 to move to another city to look for a job. It may be hard to find at the state level, which get grants from the Feds to run the program. The state of Illinois runs it out of their Department of Commerce. Contact your state information operator listed in the blue pages of your phone book and ask for your state Department of Labor. You can also locate your state contact by contacting the Office of Worker Retraining and Adjustment Programs, Employment and Training Administration, U.S. Department of Labor, Room N5426, 200 Constitution Ave., NW, Washington, DC 20210; 202-219-5577; {www.wdsc.org/layoff/title3.htm}.
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When Your Business Fails: Get Free Money, Child Care and Training
The U.S. Department of Labor provides money to states under a program called The Economic Dislocation and Worker Adjustment Assistance (EDWAA) Act. Although the money is primarily meant for people who lose their jobs because of layoffs, the money can also be used for people who are out of work because their small business failed or because they are a displaced Home maker as a result of a divorce. Under this act, you can receive free courses and training for a new career, emergency financial aid, child care money, travel money for getting to work or training, and even relocation money if you have to move for a new job. Contact your state Department of Labor listed in the blue pages of your phone book and ask for the office that is designated as the state's Dislocated Worker Unit. If you have trouble contacting your local office, you may contact the Office of Worker Retraining and Adjustment Programs, Employment and Training Administration, U.S. Department of Labor, Room N-5426, 200 Constitution Ave., NW, Washington, DC 20210; 202-219-5577; {www.wdsc.org/layoff/title3.htm}.
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Free Seminars On How to Sell Your Stuff Overseas
Kentucky offers free half-day seminars on how to sell and finance your products overseas. They may charge a fee if it's a full day program, but it's usually only $25 to cover the lunch. They will bring in bankers and government money officials to show you how you can make deals and get them financed. The program is offered through the International Trade Office of the Department of Community Development. Most states will offer training to help you generate business overseas whether you are a first time exporter/importer or an old pro. Contact your state Office of Economic Development listed in the blue pages of your phone book and ask for the office that helps businesses sell overseas.
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One Page Gets You A $150,000 Business Loan

A one-page form is all you have to fill out to apply for a loan of up to $150,000 for your business through the government's LOWDOC Loan Guarantee program. Contact your local office of the U.S. Small Business Administration to learn more about the steps necessary to apply for the loan. Contact U.S. Small Business Administration, 409 Third St., SW, Washington, DC 20416; 800-8ASK-SBA; {www.sba.gov}.
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Lots of Loan Money, Some At 0% Interest
The U.S. Small Business Administration runs the government's most popular loan program. Well, it's actually a loan guarantee program. This means that the government will tell a bank that they will pay back the loan if you can't.
About 70,000 loans a year are made through this program. But there are dozens, even hundreds, of other government loan and loan guarantee programs. The U.S. Department of Agriculture has direct loans and loan guarantees to entrepreneurs living in small towns. They even have programs that offer grants to nonprofit organizations, which in turn lend the money to small businesses. And the states are loaded with loan programs for businesses. Maryland, for example, has about 10 loan programs at the state level and has 11 more business loan programs at the county level. It's not unusual for some of these loans to be low interest or even 0% interest. Contact your state Office of Economic Development listed in the blue pages of your phone book and go from there. And don't stop!
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Save $2,000 On Preparing a Business Plan
Why spend thousands on attorneys, accountants, and management consultants when you are putting together your business idea? You can get some of the best help available to develop a business plan, marketing plan, financial plan, management plan, etc., for nothing or next to nothing by contacting your local Small Business Development Center. Next to Social Security, this is probably one of the most valuable services Uncle Sam has ever offered. You can find your local office by contacting your state's main Small Business Development Center office.
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Sell Overseas at Government Expense
The U.S. Department of Agriculture's Foreign Market Development Cooperation Program grants over $3 million a year to companies and cooperatives to sell their products overseas. Indiana's Trade Show Assistance Program offers grants up to $5,000 to attend a trade show in a foreign country. Wisconsin also offers $5,000 to party overseas. I mean, to attend a trade show. Many states also offer special money programs to help finance your sales overseas through the Office of Economic Development. The Export-Import Bank of the United States provides working capital to small businesses to finance their exports as well as Export Credit Insurance, Direct Loans and Loan Guarantees. Contact Export-Import Bank of the U.S., 811 Vermont Ave., NW, Washington, DC 20571; 800-565-EXIM; {www.exim.gov}. The Overseas Private Investment Corporation (OPIC) also provides financing and insurance to small businesses to sell their goods and services overseas. Contact Investment Services Director, Program Development, Investment Development Department, 1100 New York Ave., NW, Washington, DC 20527; 202-336-8621; {www.opic.gov}.
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Get Paid To Attend Entrepreneur Classes
If you lost your job and are eligible for unemployment, contact your local Unemployment Office and find out how you can collect your employment money while you are attending classes on how to set up your own business. You can't collect while you are starting a business, but you can collect while you are learning how to start a business. This is very new and exciting program to help those who are unemployed develop their own jobs. Maryland, Delaware, California, New York, New Jersey, Oregon, Maine, and Pennsylvania run programs, and there are likely to be more. In 1998, the congress passed HR 4558 that extended this program and allowed all states to be eligible to provide similar programs. Contact your state Unemployment Insurance office in your state capital (listed in the blue pages of your phone book) and ask if they are participating in any self-employment programs.
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Money To Start A Business In A High Unemployment Area

The Economic Development Administration makes grants to local communities with high unemployment, that in turn, make business loans to small entrepreneurs who can create jobs. This is done through the revolving loan fund of the Economic Adjustment Program. The Buffalo, New York area recently used this program to make loans to 182 companies targeting start-ups as well as minority and women-owned businesses. Find out where in your area there may be revolving loan programs from your state Office of Economic Development listed in the blue pages of your phone book, or contact the Economic Development Administration, U.S. Dept. of Commerce, 14th & Constitution Ave, Room 7800B, Washington, DC 20230; 202-482-5081; {www.doc.gov/eda}.
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$75,000 Grant If Hurt By Imports
If your business suffers a loss due to imports, you may be eligible to receive up to $75,000 to pay for consultants to develop a new business plan to put you back on the road to success. The program is called Trade Adjustment Assistance, and there are 12 regional offices around the country that help businesses apply for this help. These offices also help businesses with assistance and loans when they have been hurt by defense cutbacks. Contact: Planning and Development Assistance Division, Economic Development Administration, Room H7315, Washington, DC 20230; 202-482-2127; Fax: 202-482-0466; {www.doc.gov/eda}.
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Free Help Selling Your Arts And Crafts
The Kentucky Craft Marketing Program can get your studio, shop or work listed in directories or on the web and can get you into fairs to sell your work. They also offer help to train you in other ways to market and sell your work. Check with your state arts council located in your state capital (see page 386) for the kind of help you can get in your state. Illinois has a free Art Fair Directory showing you where you can display your work. Also, check into the American Folklife Center, Library of Congress, 101 Independence Ave., SE, Washington, DC 20540; 202-707-5510; {http://lcweb.loc.gov/folklife}.
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Money If You Start A Business In A Certain Zip Code

Connecticut will give your business a grant of up to $2,250 per employee if your business is in certain enterprise zones. Plus, you pay only 50% in corporate taxes and only 20% in property taxes. Locating your business in certain areas of Chicago will get you an exception of income taxes on money made from the area, low interest rate loans, and a big break on your sales and property taxes. The federal government has designated over 100 areas around the country as enterprise areas and offers special low interest loans, $3,000 tax credit for every employee you have, and an extra $20,000 tax deduction for capital investments, as well as a boat load of other services and money incentives. Enterprise zones, also called empowerment zones, have been established in order to generate jobs and economic development in certain rural and urban areas around the country. Contact your state Office of Economic Development listed in the blue pages of your phone book to identify the zones in your area; or contact U.S. Department of Housing and Urban Development, 451 7 St., SW, Washington, DC 20410; 202-708-1577; {www.hud.gov/ezeclist.html}.
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Bureaucrats Will Fight the Government For You
You don't have to hire a hot shot "Washington Insider" at $200 an hour to fight a government regulation that you feel is unfair, or to fight an agency who is taking too long to pay a legitimate bill, or to suffer from a fine imposed by a government official that you feel is not justified. You can call "BUREAUCRACY MAN". There are actually a number of government bureaucrats that will fight other bureaucrats for you:
* The Small Business Administration has set up an office that will investigate complaints and help you get equitable settlements. They will even show you how to sue the government and get attorney's fees and costs. Contact Office of the National Ombudsman, U.S. Small Business Administration, 500 West Madison, Suite 1240, Chicago, IL 60661; 312-353-0880; Fax: 312-353-3426; 888-REG-FAIR; {www.sba.gov/regfair}.
* Many state capitals have offices that will fight the state bureaucracy for you. The Michigan Jobs Commission has a service that will fight for you. Arizona has a Small Business Advocate that will help resolve issues with any government office, congress or state legislature. Contact your state Office of Economic Development listed in the blue pages of your phone book, or your state governor's office.
* The IRS's Problem Resolution Center has offices around the country that will fight the IRS for you after your efforts prove futile. They are listed in the blue pages of your telephone book under U.S. Department of the Treasury.
* Your elected official, in both Washington and your state capital, is probably the only government office with a real motive to help you with a problem. They want your vote to keep their job. All the rest of the officials will keep their job whether they make you happy or not.
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Loans For Failures and Bad Credit Risks
That's what it sounds like when you investigate your local Capital Access Program (CAP). Banks offering this program are more likely to lend to people who are less than credit worthy, because, if for some reason you can't pay back the bank, your state government will. It's just another way for state government to encourage you to start and grow your business. New Hampshire, California, Virginia, Pennsylvania, Indiana and many more were offering the program the last time I checked. Contact your state Office of Economic Development to see if the program is offered in your state.
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$10,000 For Your 10-Year-Old Grandson To Start A Business

The U.S. Department of Agriculture (USDA) has a program that loans money to kids between the ages of 10 and 21, who live in small towns, to start a business. Nebraska runs entrepreneur camps for teenagers through their Center For Rural Affairs. The Pennsylvania Department of Agriculture gives out loans to people starting at 18 years of age. Harris County in Texas has $10,000 to invest in youth entrepreneurs, and the City of Minneapolis has a program that trains youth in entrepreneuring by having them run a retail store that sells property confiscated by the police department. For the USDA program, contact your local Farm Service, or the Farm Service Agency, Loan Marketing Division, Ag Box 0522, Washington, DC 20250; 202-720-1632; {www.fsa.usda.gov/}. For other local programs, a good place to start is your local County Cooperative Extension Service, listed under County Government in your phone book.
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Get The Government To Pay Half Your Employees' Wages
If you hire some people who have had trouble getting a job, the IRS will give you back up to 35% of the first year's salary, and up to 50% of the second year's salary. You can get up to $2,400 back in tax credits for hiring someone from certain zip codes. There are states, like Mississippi, that will give you up to $2,000 a year for five years in credits for new employees, or 50% back on any child care expenses you pay for your employees. There are many areas of the country where an employer can get back $2,400 just for creating A JOB for anyone. You wouldn't believe the types of tax credits available! There are even tax credits just for people in the wine business in Missouri. Contact your state Office of Economic Development listed in the blue pages of your phone book to see what kind of credits are available to you.
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Lots of Free Money To Train Your Employees
Almost every state has money to help companies in their state train new or existing employees. Most of it is in the form of grant money that you don't have to pay back. States like Connecticut, Tennessee and Kentucky will give grants from $3,000 to $25,000 to train your employees. Indiana will go as high as $200,000 in grant money. Wisconsin will pay for 50% of your training costs. And in Louisiana and Iowa, you can send your employees to the state's vocational schools and community colleges for free. Virginia even offers free video production so that you can produce your own training films. Contact your state Office of Economic Development listed in the blue pages of your phone book for information about training help for your company.
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Get Free Lists Of Your Customers
You can look in the Yellow Pages under mailing lists or marketing consultants and spend thousands of dollars for customer lists. Or, you can search the government and find many of the same lists for free or very low costs. You can even find lists that the experts will tell you are not available. Did you know that in most states you can get lists of all the rich men over six feet tall that live in your zip code? Or all the overweight women who live within walking distance of your health spa? The Division of Motor Vehicles makes drivers licenses and auto registration info available. It will cost, but it can be worth it. You can also get a list of all the new businesses that open up in your area with the name, address, and phone number of the owners. When a business starts up, they have to register at the state Office of Corporation. Or how about a list of physical trainers, sports agents, dry cleaners, lawyers, hearing aid dealers, day care centers, or insurance agents? All these people have to register with the state to get a license. Yea for public information! Contact your State Information Operator listed in the blue pages of your phone book to see where to go in your state for your mailing list needs.
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60 Places For Women To Get Help To Start A Business
Sometimes you just need someone to show you the way. The Women's Demonstration Program has 60 sites across the country where women are trained and counseled in the skills necessary to launch their own businesses. These sites get money from the government to offer financial, management, marketing, and technical assistance to current and potential women business owners. Contact your local Small Business Administration office to find a site near you, or contact U.S. Small Business Administration, 409 3rd St., SW, Washington, DC 20416; 202-205-6673; 800-8-ASK-SBA; {www.sba.gov}.
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Help for Women to Get 5% of Government Contracts
The Federal Acquisition Streamlining Act of 1994 establishes a 5 percent government-wide goal for contract awards to small businesses owned by women. One way the Small Business Administration is helping to ensure that these new goals are achieved is through the Women-Owned Business Procurement Pilot Program. Each of the following eleven federal agencies has designated a women-owned business advocate to act as a liaison. Each provides outreach, training, and marketing assistance to women-owned businesses. The Small Business Administration and the liaisons from each of the agencies meet regularly to assess the progress of the program, resolve problems, and develop new initiatives. For more information on this program, you may contact your local Small Business Administration Office, or Office of Women's Business Ownership, U.S. Small Business Administration, 409 3rd St., SW, Washington, DC 20416; 202-205-6673; 800-8-ASK-SBA; {www.sba.gov}.
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Procurement Pilot Program Contact
Ms. Sharon Harris, U.S. Department of Agriculture, Office of Small and Disadvantaged Business Utilization, 14th St. and Independence Ave., SW, Room 1323 South Bldg., Washington, DC, 20205, 202-720-7117

Ms. Janet Koch, U.S. Department of Defense, Office of Small and Disadvantaged Business Utilization, Room 2A338, 3061 Defense Pentagon, Washington, DC, 20301, 703-695-1536

Ms. Gloria Smith, U.S. Department of Energy, Office of Impact, 1000 Independence Ave., SW, Washington, DC, 20585, 202-586-8383

Ms. Y. Angel Graves, U.S. Department of Health and Human Services, Office of Small and Disadvantaged Business Utilization, Washington, DC, 20201, 202-690-6670

Mr. Joseph Piljay, U.S. Dept. of Housing and Urban Development, Office of Small and Disadvantaged Business Utilization, Washington, DC, 20582, 202-708-1428

Mr. Joseph Bryan, U.S. Department of Justice, Office of Small and Disadvantaged Business Utilization, ARB Room 3235, Washington, DC, 20530, 202-616-0521

Ms. June Robinson, U.S. Department of Labor, Office of Small Business and Minority Affairs, 200 Constitution Ave., NW, Room C2318, Washington, DC, 20210, 202-219-9148

Ms. Margie Wilson, Environmental Protection Agency, Office of Small and Disadvantaged Business Utilization, 401 M St., SW, Mail Code 1230C, Washington, DC, 20460, 703-305-7305

Ms. Elizabeth Ivey, General Services Administration, 18th and F Sts., Washington, DC, 20405, 202-501-4466

Ms. Rae Martel, National Aeronautics and Space Administration, Headquarters, Washington, DC, 20546, 202-358-0640

Women's Pre-Qualified Loans Cut Down On Banker Stress
Need help filling out your loan application package? The Women's Pre-Qualification Pilot Loan Program was developed to promote the Small Business Administration's business loan programs to current and prospective women small business owners. It also provides specialized support and assistance with the agency's loan application process. This program uses nonprofit organizations as intermediaries to assist prospective women borrowers in developing a viable loan application package. The program focuses on the applicant's character, credit, experience, and reliability - not just her assets. Eligible businesses must be at least 51 percent owned, operated, and managed by women. The loan guarantee is for $250,000 or less. The application can be submitted directly to the Small Business Administration for expedited consideration of a loan pre-qualification. Currently, this program is available in 16 states. For more information on this program, you may contact your local Small Business Administration Office, or Office of Women's Business Ownership, U.S. Small Business Administration, 409 3rd St., SW, Washington, DC 20416; 202-205-6673; 800-8-ASK-SBA; {www.sba.gov}.
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2,000 Productivity Specialists Offer Free Analysis
Lorrie Browing got help to find the best way to move her Home made beef jerky business out of her kitchen and into a real facility. A Texas wood products company turned their $35,000 loss in disposing of saw dust into a $15,000 profit by selling it as animal bedding for horse stable floors. The U.S. Department of Commerce has established 70 not-for-profit centers that will analyze your program and help you determine the best way to solve your problem. The analysis is free, but there is a charge for follow up work. These centers have been established to help small and medium size manufacturers increase their potential for success. They can help companies cope with a changing environment, decrease manufacturing costs, or discover ways to use new technology. To identify your local center, contact Manufacturing Extension Partnership, National Institute of Standards and Technology, Gaithersburg, MD 20899; 800-637-4634; {www.mep.nist.gov}.
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Money For Women Running A Taxi Company or the Airline Catering Business
Actually, the money can be used by women in almost any kind of transportation related business. The U.S. Department of Transportation works hard at trying to help women succeed by helping them get contracts as well as offering short term working capital loans at prime interest rates while working on transportation related contracts.
In order to help spread the word about these and other opportunities, the U.S. Department of Transportation conducts trade fairs around the country. To learn more about these programs, contact National Information Clearinghouse, U.S. Department of Transportation, 400 7th St., SW, Room 9414, Washington, DC 20590; 800-532-1169; {http://osdbuweb.dot.gov}.
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Short Term Lending Program Banks
Cathay Bank
777 North Broadway
Los Angeles, CA 90012
212-625-4709
States: AK, AZ, CA, CO, HI, ID, MT, NV, OR, UT, WA, WY

Hamilton Bank, NA
8750 NW 87th Ave.
Miami, FL 33178
305-717-5726
States: AL, CT, DE, FL, GA, KY,
ME, MD, MA, MS, NH, NJ, NY, NC PA, RI, SC, TN, VT, VA, WV, Puerto Rico, US Virgin Islands

NAB Bank
4928 North Broadway
Chicago, IL 60640
773-561-2300
States: AR, IA, IL, IN, KS, LA, MI, MN, MO, ND, NE, NM, OH, OK, SD, TX, WI
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Free Marketing Help To Get A Government Contract
Need some help marketing your product or service to the government? The Procurement Assistance Offices are attuned to the federal procurement process, and can help you draw up a sensible business plan that will be successful. They can match the product or service you are selling with the appropriate agency, and then help you market your wares effectively. Several programs even have online bid matching services. They can obtain specifications, get your name on solicitation mailing lists, and more. These Offices are located throughout the country. These offices are partially funded by the Department of Defense to assist businesses with Defense procurement. To find the office nearest you, contact Small and Disadvantaged Business Utilization Office, Cameron Station, Room 4B110, Defense Logistics Agency, Alexandria, VA 22304; 703-767-1661; {www.dla.mil} then to the small business site.
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Free Help In Buying A Franchise
Franchises are big businesses in today's marketplace. But before you sign on the dotted line, learn the questions you need to ask and what the franchiser needs to tell you. The Federal Trade Commission has several pamphlets that will help you learn your way through the franchise business. Some titles include: Before You Buy, Your Legal Rights, and State Disclosure Requirements. The FTC can also provide you with the Franchise Rule, as well as information on franchise fraud. For your copies, contact Correspondence Branch, Federal Trade Commission, Washington, DC 20580; 202-326-2222; {www.ftc.gov}.
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Small Businesses Can Get Large Contracts

Every Federal government department has an Office of Small and Disadvantaged Business Utilization (OSDBU) that provides procurement assistance to small, minority, 8(a), and women-owned businesses. Their primary function is to ensure that small and disadvantaged businesses receive their fair share of U.S. Government contracts. These offices are the contacts for their respective agencies and are excellent sources of information. Contact the federal government department directly, or for a listing of offices, contact U.S. Small Business Administration, 409 3rd St., SW, Washington, DC 20416; 202-205-6673; 800-8-ASK-SBA; {www.sba.gov}
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$2,000,000 To Get Through A Seasonal Downturn
Specialized loan program finances the short-term seasonal increases of accounts receivable and inventory. Must have a definite established seasonal pattern and have been in business 12 months. SBA provides a 75% guarantee. Maturity may be up to 5 years. Contact the office below to be directed to your regional or local office for help. Contact Maryland Small Business Administration, Renee C. Sprow, State Director, 7100 Baltimore Avenue, Suite 401, College Park, MD 20740; 301-403-8300; 877-787-7232; Fax: 301-403-8303; {rsprow@mdsbdc.umd.edu}; {www.bsos.umd.edu/sbdc}.
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$750,000 For A Small Business To Fulfill A Contract
Specialized program to help small businesses. Funds may be used to finance material and labor needs for a specific contract(s). Loan maturity based on length of contract, but maximum of 5 years. SBA provides a 75% guarantee. Contact the office below to be directed to your regional or local office for help. Contact Maryland Small Business Administration, Renee C. Sprow, State Director, 7100 Baltimore Avenue, Suite 401, College Park, MD 20740; 301-403-8300/1-877-787-7232; Fax: 301-403-8303; {rsprow@mdsbdc.umd.edu}; {www.bsos.umd.edu-sbdc}.
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$150,000 Loans That Require No Collateral
The SBA authorizes preferred lenders to use mostly their own forms and procedures to process, service and liquidate SBA guaranteed loans. SBA guarantees up to 50%, loans under $25,000 do not require collateral. Maturities are usually 5 to 7 years for working capital and up to 25 for real estate or equipment. Revolving lines of credit are allowed for a maximum of 5 years. Contact the office below to be directed to your regional or local office for help. Contact Maryland Small Business Administration, Renee C. Sprow, State Director, 7100 Baltimore Avenue, Suite 401, College Park, MD 20740; 301-403-8300/1-877-787-7232; Fax: 301-403-8303; {rsprow@mdsbdc.umd.edu}; {www.bsos.umd.edu-sbdc}.
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$25,000 For Small Businesses
Economic Ventures is an SBA Intermediary for U.S. Small Business Administration's/SBA entrepreneurs. Funds can be used for working capital or to purchase inventory, supplies, furniture, fixtures, machinery and equipment. The maximum loan is $25,000 and maximum repayment term is 6 years. Contact office below to determine eligibility. Each Intermediary is required to provide business based training and technical assistance before loan applications are chosen and application process started. Contact U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Hensen@sba.gov}; {www.sba.gov/financing/frmicro.html}.
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$250,000 For Women and Minority Entrepreneurs
This loan is targeted towards armed forces veterans, minorities, women, exporters, rural small business owners in specialized industries. This program allows SBA to prequalify applicant for a 7(a) loan guaranty before the applicant goes to the bank. The maximum loan amount is $250,000.00 SBA-designated intermediaries will work with you to review and strengthen your application that will focus on character, credit, experience and reliability rather than assets. Maximum maturity is 25 years for real estate and equipment, 7 years for working capital. Interest rates are negotiated between lender and borrower and are typically pegged to current prime rate under SBA maximum. Contact the SBA office for assistance below to be directed to compatible Lenders. Application available online at: {www.sba.gov/sbaforms/sbapreqaul2114.pdf}. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frprequal.html}.
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$1,000,000 For Companies Hurt by Defense Cuts
This Program provides financial help to small defense-dependent firms that have been affected adversely by defense cuts that have diversified into the commercial market. The loans are from banks but the SBA guarantees payment to the bank. Loans are guaranteed up to 80%. Loans must be used to retain jobs of defense workers, create new jobs in impacted communities, or expand in order to remain national technical and industrial based. Loans may be used for working capital, acquisition of equipment, raw materials, inventory, and capital improvements that may include renovation and replacement of the applicant's physical plant. Maximum financing available is $1.25 million. Used in accordance with the 7(a) or 504 loans and/or other SBA loans. Terms for 504 loan pegged to and increment above current market prime rate and for 5-10 year U.S. treasury issue. Terms for 7(a) are 5-10 years for fixed assets. Contact SBA to be directed to compatible lender. Applications available online at: {www.sba.gov/library/forms.html}. Contact the SBA office below to be directed to compatible lender. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frdelta.html}.

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$750,000 To Sell Your Goods and Services Overseas

The loans are from banks but the SBA guarantees payment to the bank. Under the EWCP, the SBA can guaranty up to 75% of a secured loan (80% on loans $100,00 or less) or $750,000 whichever is less. Loan maturities may be up to three years with annual renewals. Loans can be for single or multiple export sales and can be extended for pre-shipment working capital and post-shipment exposure coverage, or a combination of both. Proceeds can only be used for export transactions. Letter of prequalification available through the SBA. Contact SBA to be directed to compatible lenders. Applications available online at: {www.sba.gov/library/forms.html}. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frdelta.html}.
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$1,000,000 To Sell Your Goods and Services Overseas
Loan offers long-term funds to small businesses engaged or are preparing to engage in international trade, as well as those businesses adversely affected by import competition. The loans are from banks but the SBA guarantees payment to the bank. The SBA can guaranty up to $1.25 million for a combination of fixed asset financing and working capital, though the working capital portion cannot exceed $750,000. Businesses that are eligible are; Retail and service businesses with annual receipts of less than $3.5 million, Construction businesses with less than $7 million for special trade contractors; otherwise, construction businesses with fewer than $17 million in annual receipts. Wholesale businesses with fewer than 100 employees. Manufacturing operations classified as a small business with employment contingent on industry. Loans for facilities or equipment can have up to 25 year term and may be combined with EWCP loan which has a maturity of 12 months with 2 amendments for max of 3 years. Contact SBA(office below) to be directed to compatible lender. Check sheet and applications available online at: {www.sba.gov/library/forms.html}. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frinternational.html}.
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$1,000,000 To Start or Expand A Business
The loans are from banks but the SBA guarantees the loans to the banks. CapLines finances small businesses short term, cyclical working capital needs. Under the Caplines guidelines, there are five distinct short term working capital loans: Seasonal line, Contract line, Builders line, standard asset-based lines, small asset based line. The loan generally guarantees up to $750,000.00 and in special circumstances up to 1 million. Eligibility is based on a case by case basis it is determined by 4 factors: Type of business, size, use of loan funds, special circumstances. The rate of the loan is negotiable with lender and can be up to 2.25% over prime rate. Each five lines of credit's Maturity is up to 5 years, and because each is tailored to an individuals businesses needs, a shorter initial maturity may be established. Contact SBA (office below) to be directed to compatible lender. There are numerous other guidelines, interested parties can either check online at {www.sba.gov/financing/frcaplines.html} or speak with contact person listed below, or both. Contact SBA (office below) to be directed to compatible lender. There are numerous other guidelines, interested parties can either check online at {www.sba.gov/financing/frcaplines.html} or speak with contact person listed below, or both. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frcaplines.html}.
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$1,000,000 To Start or Expand A Business
The SBA (office above) guarantees the loans given threw banks and other lending institutions and private lenders. The 504 Certified Development Company Loan provides businesses with long term-fixed rate financing for major-fixed assets, such as land and buildings. A Certified Development Company is a non profit corporation set up to contribute to the economic development of its community. CDC's work along side of the SBA and private sector lenders to provide financing to small businesses. CDC's are listed geographically online at:
{www.sba.gov/gopher/Local-Information/certified-Development-Companies/}. Maximum loan is $1.3 million dollars. Rates are pegged to an increment above the current market rate for 5 year and 10 year U.S. Treasury Issues. Maturities of 10 and 20 years are also available. Eligibility is as follows; businesses with a net worth of less than $6 million and does not have net income in excess of $2 million after taxes for the preceding 2 years. Loans cannot be made to businesses engaged in speculation or investment of rental real estate. There are public policy criteria that need to be met as well, they are explained in the website for the 504 loan itself and can be discussed with contact listed below for the SBA. Contact your SBA (office below) to be directed to appropriate and compatible lenders. Application and instructions for the 504 loans is available online at: {www.sba.gov/library/forms.html}. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frcdc504.html}.
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$750,000 For Businesses Hurt by North American Free Trade Agreement (NAFTA)
The SBA (office below) guarantees money threw banks and other lenders. This program is designed to target and help patterns with Mexico and Canada following the (NAFTA) agreement (North American Free Trade Agreement). CAIP promotes economic implementation of the adjustment increasing the availability of flow of credit and encourages businesses development and expansion in impacted areas. Credit is available to businesses in eligible communities to create new, sustainable jobs, or to preserve existing jobs. CAIP works with the 7(a) and 504 programs. There are very specific criteria listed on the website at: {www.sba.gov/financing/frcaip.html}. The eligible communities are listed on a website at: {www.sba.gov/financing/saipeligibleareas.pdf}. Maximum loan maturities in accordance with the 7(a) and 504 program are 25 years for real estate and equipment and 7 years for working capital. Rates negotiated between the borrower and lender but are subject to SBA maximums which are pegged to prime rate. Applications available online at: {www.sba.gov/library/forms.html}. Contact the SBA office listed below to be directed towards the most compatible lender and appropriate channels. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frcaip.html}.
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$150,000 With A One Page Application
This program minimizes the amount of paperwork by allowing applicants to apply using a one page application and relies on strength of personal credit history and character. Maximum loan amount is up to $150,00.00.The loans are from banks, but the SBA guarantees payment to the bank. Loans are guaranteed up to 85%. Applicants must satisfy all lender requirements. The Lender fills out the front side of a one page application and the bank fills out the backside. The SBA guarantees to provide an answer within 36 hours. Loans may be used for plant and equipment, working capital and inventory. Generally, businesses who have fewer than 100 employees and whose sales average less than $5 million for the last three years can access this program. Interest rates are negotiable between lender and borrower, fixed and variable are tied to current prime rate. Maturity length determined on ability to repay and use of loan proceeds. Typically, 5-10 years for fixed asset loans and variable up to 25 years. Contact SBA (office above) to help determine compatible lender. Lender list is shown exclusively by county, online at:
{www.sba.gov/gopher/Local-Information/certified-Preferred-Lenders}. The forms needed for application are online at: {www.sba.gov/library/forms.html}. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frlowdoc.html}.
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$750,000 To Start or Expand a Business
Loans are available to small businesses that cannot obtain financing on reasonable terms through traditional lending channels. The loans are from banks and the SBA guarantees payment to the bank. Loans are available for a variety of purposes such as real estate, expansion, equipment, working capital or inventory. The loan itself can guaranty 75% of the loan amount up to $750,000. For loans of $100,000 or less, the guaranty rate is 80%. The interest rate will not exceed 2.75% over prime lending rate. Maturities are up to 7 years for working capital and up to 25 years for fixed assets. Most businesses are eligible, though determined case by case. It is determined by four factors; type of business, size, use of loan funds and special circumstances. Most lenders are familiar with the program. Contact SBA (office below) to help determine compatible lender. Lender list by county available online at:
{www.sba.gov/gopher/Local-Information/Certified-Preferred-Lenders/}. Applications and checklist available online at : {www.sba.gov/library/forms.html}. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/fr7aloan.html}.
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$30,000,000 In Venture Capital For Starting Infrastructure in The Baltic Region
This program provides equity investments in the Baltic Region for large infrastructure projects including power, transportation, natural resource development and related industries. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, William Jarosz, Vice President-American Intern. Group, 80 Pine St., 14th Floor, New York, NY 10005; 212-458-2289; Fax: 212-809-3581; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$2,000,000 Medium Term Loan For Small Businesses To Invest Overseas
This program is designed to facilitate U.S. investment in emerging market economies by providing medium-term loans and guaranties. The program assists in the promotion of small businesses, with less than 250 million dollars in revenue, or entities with less than 67 million dollars in net worth; and medium-sized businesses. Business development financing is provided in over 140 nations and emerging nations internationally. OPIC provides financing for overseas investments that are wholly owned by U.S. companies, or are joint ventures in which the U.S. sponsoring firm is a participant. The U.S. investor must have at least 25% equity in the project. Businesses must be able to repay the loan in hard currency from project cash flow. A list of all eligible countries is available on the OPIC website. OPIC lends funds based on individual business needs. Financing can be used for permanent working capital, fixed assets, and expansion of facilities. Amortization periods range from 3 to 7 years. Interest rates and guarantee fees are based on the underlying cost of capital (comparable to U.S. Treasury notes or other U.S. Government guarantee issues of similar maturity), and a risk premium of between 2 and 6 percent. The risk premium is determined based upon an OPIC assessment of the commercial and political risks involved. For detailed product information, go to the website noted above and click on the link for products. Contact OPIC, Dr. Cliff Moore, Vice President, 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/finance/Home .htm}.
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$6,000,000 In Venture Capital For Starting Telecommunications Services In Central and Eastern Europe
This program supports equity investments in central and eastern Europe for telecommunications, services, and retail. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Jamie Halper, TDA Partners, Inc., 15 Valley Dr., Greenwich, CT 06830; 203-625-4525; Fax: 203-625-4520; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$5,500,000 In Venture Capital For Starting Businesses In India
This program supports equity investments in India for information technology, telecommunications, and consumer goods. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, William H. Draper, 50 California St., Suite 2925, San Francisco, CA 94111; 415-616-4050; Fax: 415-616-4060; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$9,200,000 In Venture Capital For Starting Businesses in Armenia, Azerbaijan and Georgia
This program supports equity investments for telecommunications, media, and other business services in Armenia, Azerbaijan, and Georgia. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Irakli Rukhadze, CEO-Caucasus Advisors, 31 Milk St., Suite 901, Boston, MA 02109; 617-646-4512; Fax: 617-646-4501; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$9,500,000 In Venture Capital For Starting Businesses In Central Europe
This program supports equity investments in central Europe for distribution networks, basic manufacturing, consumer goods, and related networks. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Fred Martin, President-The Bancroft Group, 251 Brompton Rd., London SW3 2EP England; 44-20-7823-9222; Fax: 44-20-7589-3442; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$7,500,000 In Venture Capital For Starting Businesses Southeast Asia
This program supports equity investments in light manufacturing, financial, construction, and telecom services in the following areas: Philippines, Malaysia, Thailand, Taiwan, and other countries in Southeast Asia. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Ta-lin Hsu, Chairman-Hambrecht & Quist Asia Pacific, 156 University Ave., Palo Alto, CA 94301; 650-838-8098; Fax: 650-838-0801; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$18,000,000 In Venture Capital For Starting Businesses in Thailand, India, Korea And Others
This program supports equity investments in telecommunications, consumer reports, and financial services in the following areas: Bangladesh, India, Indonesia, Laos, Korea, Philippines, Sri Lanka, Thailand, and Vietnam. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Terrye Dewey, CFO, Olympus Capital Holdings, 153 E. 53rd St., 45th Floor, New York, NY 10022; 212-292-6622; Fax: 212-292-6644; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$14,000,000 In Venture Capital For Environment-Related Startups In Emerging Market Economies
This program supports equity investments in environment-oriented sectors. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, H. Jeffrey Leonard, President, GEF Management Corp., 1225 Eye St., N.W., #900, Washington, DC 20005; 202-789-4500; Fax: 202-789-4508; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$2,000,000 In Venture Capital For Starting Small Businesses Overseas
This program supports global equity investments in basic manufacturing and service industries sponsored by U.S. small businesses. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Cabell Williams III, President-Allied Capital Corp., 1919 PA Ave., N.W., Washington, DC 20006; 202-331-1112; Fax: 202-659-2053; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$16,000,000 In Venture Capital For Starting Manufacturing Businesses In India
This program supports equity investments in India for consumer goods, basic manufacturing and related industries. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact Michele J. Buchignani,, Managing Director, CIBC Oppenheimer Corp, World Financial Center, New York, NY 10281; 212-667-8190; Fax: 212-667-4468; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$14,000,000 In Venture Capital For Starting Agriculture Related Businesses in The Baltic Region
This program provides equity investments in the Baltic Region for agriculture, food, firms, infrastructure projects, privatizations, food storage, and distribution. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Robert Peyton, President-America First Companies, 1004 Farnam St., Omaha, NE 68102; 402-930-3060; Fax: 402-930-3007; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$3,000,000 In Venture Capital For Starting Businesses In Sub-Saharan Africa
This program provides equity investments in Sub-Saharan Africa for mining, manufacturing, telecommunications, energy and financial services. This program is designed to promote and facilitate U.S. Investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including respecting impacts on the U.S. economy and employment. Contact OPIC, Joe Jandreau, Managing Director, 45 Glastonbury Blvd., Glastonbury, CT 06033; 860-633-9999; Fax: 860-682-6464; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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Insurance Against Political Violence For Businesses Investing Overseas
This program is designed to promote and facilitate U.S. investment in emerging market economies. Specialized insurance programs protect businesses against the loss of assets or income due to war, revolution, insurrection, politically motivated civil strife, terrorism, or sabotage. The insurance also compensates for property and income loss. Insurance under this program does not cover loss due to labor strife, or student unrest without a political objective. Rates vary from .20 per $100 of coverage to .70 per $100 of coverage depending on the entity requesting coverage. Contact OPIC, Dr. Cliff Moore, Vice President, 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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Insurance Against Expropriation For Businesses Investing Overseas
This program is designed to promote and facilitate U.S. investment in emerging market economies. Specialized insurance programs are provided to protect businesses against loss due to expropriation, nationalization, or confiscation of physical or tangible assets by the host government. Tangible assets include manufacturing equipment or other properties essential to generating returns. Protection under this program covers equity investments, and loans. Protection also includes "creeping expropriation", which is an unlawful government action depriving the investor of fund rights in a project. Protection does not extend to lawful taxation, actions provoked by the investor, or actions taken by the foreign government in its commercial capacity as a supplier, manager, etc. Rates vary from .20 per $100 of coverage to .90 per $100 of coverage dependent upon the entity requesting coverage. Contact OPIC, Dr. Cliff Moore, Vice President, 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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Insurance Against Currency Fluctuations When Investing Overseas

This program is designed to promote and facilitate U.S. investment in emerging market economies. Specialized insurance programs are provided to protect businesses against the investor's inability to convert profits from local currency to U.S. dollars. Currency inconvertibility does not protect the investor against devaluation of the country's currency. Coverage under this program insures earnings, return of capital, principal and interest payments, technical assistance fees, and similar remittance. Coverage may be extended to a maximum of 20 years (generally equal to the length of the underlying contract). Protection is granted for up to 90% of the eligible investment. Loans and capital leases from financial institutions may be insured for 100% of principal and interest. Rates vary from .25 per $100 of coverage to .40 per $100 of coverage dependent upon the entity requesting coverage. Payment is made in U.S. dollars. Contact OPIC, Dr. Cliff Moore, Vice President, 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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$200,000 Medium And Long Term Loan For Businesses To Invest Overseas
This program is designed to facilitate U.S. investment in emerging market economies by providing medium-term loans and guaranties. Business development financing is available in over 140 international nations and emerging nations. OPIC provides financing for overseas investments that are wholly owned by U.S. companies, or that are joint ventures in which the U.S. sponsoring firm is a participant. The U.S. investor must have at least 25% equity in the project. Projects must be commercially and financially sound, and must be able to repay the loan in hard currency from project cash flow. Projects that will have a negative impact on the U.S. economy, U.S. employment, or the host country are ineligible to participate. Projects wholly owned or controlled by governments are also ineligible. A list of all currently eligible countries is available on the OPIC website. This program offers hybrid loans that combine features of the Corporate Finance Loan and the Project Finance Loan. Hybrid loans may be used when the domestic partner has already pledged assets to its existing bank. OPIC may lend up to 50% of the cost of the start up operation, or up to 75% of the costs for the expansion of a successful existing business. Financing can be used for feasibility studies, organizational expenses, land construction, machinery, equipment, training, market development, interest payments during construction, start-up expenses (including initial losses and adequate working capital). Amortization periods range from 5 to 15 years. Interest rates and guarantee fees are based on the underlying cost of capital (comparable to US Treasury notes or other US Government guarantee issues of similar maturity), plus a risk premium of between 2 and 6 percent. The risk premium will be determined based upon an OPIC assessment of the commercial and political risks involved. For detailed product information go to the website noted below and click on the link for products. Contact OPIC, Dr. Cliff Moore, Vice President, 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; info@opic.gov}; {http://www.opic.gov/finance/Home .htm}.
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$200,000 Long Term Loan For Businesses To Invest Overseas
This program is designed to facilitate U.S. investment in emerging market economies by providing medium-term loans and guaranties. Business development financing is available in over 140 international nations and emerging nations. OPIC provides financing for overseas investments that are wholly owned by U.S. companies, or that are joint ventures in which the U.S. sponsoring firm is a participant. The U.S. investor must have at least 25% equity in the project. Projects must be commercially and financially sound, and must be able to repay the loan in hard currency from project cash flow. Projects that will have a negative impact on the U.S. economy, U.S. employment, or the host country are ineligible to participate. Projects wholly owned or controlled by governments are also ineligible. A list of all currently eligible countries is available on the OPIC website. Small businesses can obtain OPIC loans in amounts ranging from $100,000 to $1,000,000. Guaranties are available for up to $2,000,000. OPIC may lend up to 200 million dollars per project. OPIC will lend up to 50% of the cost of start up operation, or up to 75% of the costs for expansion of a successful existing business. Financing can be used for feasibility studies, organizational expenses, land construction, machinery, equipment, training and market development, interest payments during construction, and start-up expenses (including initial losses and adequate working capital). Amortization periods range from 5 to 15 years. Interest rates and guarantee fees are based upon the underlying cost of capital (comparable to US Treasury notes or other US Government guarantee issues of similar maturity), and a risk premium of between 2 and 6 percent. The risk premium is determined based upon an OPIC assessment of the commercial and political risks involved. For detailed product information go to the website noted below and click on the link for products. Contact OPIC, Dr. Cliff Moore, Vice President, 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; info@opic.gov}; {http://www.opic.gov/finance/Home .htm}.

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$40,000,000 In Venture Capital For Starting Water Related Businesses In Emerging Countries
This program supports equity investment for operating and special purpose companies involved in the bulk treatment, bulk supply and distribution of water in emerging market countries. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, John Sylva, COO/Aqua Texas Pacific Group, 345 California St., Suite 3000, San Francisco, CA 94104; 415-743-1500; Fax: 415-743-1504; info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$15,000,000 In Venture Capital For Starting Businesses In Southern Europe And Turkey
This program provides equity investments in southeast Europe and Turkey. The sector has not been determined. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, David Mathewson, Manager, Soros Private Funds Mgmt. LLC, 888 Seventh Ave., New York, NY 10106; 212-333-9727; Fax: 212-397-0139; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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Insurance Coverage For Technical Assistance Companies Doing Business Overseas
This program protects investments in the form of technology and "know-how", or services, pursuant to technical assistance agreements between the U.S. and foreign companies. This coverage is limited to companies providing technology or services. Coverage is provided for 90% of payment accrued but unpaid as a result of inconvertibility, expropriation, or political violence. Contact OPIC, Vice President, Finance Dept., 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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Insurance Protection For Overseas Mineral Exploration
This program protects investors against risks involved in large-scale natural resource projects. Coverage is provided to protect against traditional political risks, and may also insure against unlawful withdrawal or breach by the host government involving mineral exploitation rights or other types of risk. Contact OPIC, Vice President, Finance Dept., 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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Insurance Coverage For Overseas Oil and Gas Projects
This program provides enhanced and special expropriation coverage for oil and gas projects. Expropriation includes losses caused by material change agreements that are unilaterally imposed by the host government. This program provides coverage against confiscation of tangible assets and bank accounts. It also protects against any interference, as a result of political violence, which may cause cessation of operations lasting 6 or more months. Contact OPIC, Vice President, Finance Dept., 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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Insurance Protection For Overseas Leasing Arrangements
This program provides protection for capital leases or operating leases in which ownership of the asset is expected to transfer to the lessee when the lease expires. Protection is offered against default of lease payments from inconvertibility, expropriation, and/or political violence. This OPIC program provides coverage against unlawful host government actions that prevent a lessor from enforcing the right to repossess, re-export, and de-register leased equipment. Contact OPIC, Vice President, Finance Dept., 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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Insurance Protection For Overseas Financial Transactions
This program provides protection for capital market transactions including Private Placements, Rule 144A Bond Issuances, and new bond financing of existing. Contact OPIC, Vice President, Finance Dept., 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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Insurance Coverage For Financial Institutions Who Make Loans In Emerging Market Economies
This program is designed to promote and facilitate U.S. investment in emerging market economies. Specialized insurance programs are provided to protect financial institutions operating in developing countries or emerging markets engaged in loans, capital market transactions, gold loans, commodity price, or interest rate swaps. Contact OPIC, Vice President, Finance Dept., 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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$14,000,000 In Venture Capital For Starting Businesses In Southern Africa
This program provides equity investments in southern Africa for diversified manufacturing, financial and service industries. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Thomas C. Barry, President/CEO, Zephyr Mgmt., LP, 320 Park Ave., New York, NY 10022; 212-508-9400l; Fax: 212-508-9494; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$6,000,000 In Venture Capital For Starting Environment Related Businesses In Emerging Markets
This program supports equity investments in environment-oriented sectors. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, H. Jeffrey Leonard, President, GEF Management Corp., 1225 Eye St., N.W.. #900, Washington, DC 20005; 202-789-4500; Fax: 202-789-4508; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$18,000,000 In Venture Capital For Starting Businesses In South America
This program provides equity investments in South America for diversified manufacturing, financial and service industries. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Eduardo Borhouquez, President/CEO, Westsphere Equity Associates, LP, 55 E. 59th St., 13th Floor, New York, NY 10022; 212-317-3600; Fax: 212-317-0739; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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Insurance Coverage For Overseas Contractors and Exporters
This program protects against the wrongful calling of bid performance, advance payment guaranties, custom bonds and other guaranties. Coverage is provided against the loss of physical assets and bank accounts due to confiscation or political violence, and inconvertibility of proceeds from the sale of equipment used. This program offers coverage to companies and investors that are acting as contractors pursuant to international construction, sale, or service contracts. It also includes companies that are exporters of heavy machinery, turbines, computers, medical equipment, and other goods. Contact OPIC, Vice President, Finance Dept., 1100 New York Ave., N.W., Washington, DC 20527; 202-336-8400; Fax: 202-408-9866; {info@opic.gov}; {http://www.opic.gov/insurance/Home .htm}.
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$25,000,000 In Venture Capital For Starting Businesses In Emerging Market Countries
This program provides equity investment in natural resource related companies, telecommunications, light manufacturing, consumer products, and services. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Drew Guff, Managing Director, Siguler, Guff and Co., 630 5th Ave., 16th Floor, New York, NY 10111; 212-332-5108; Fax: 212-332-5120; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$5,000,000 In Venture Capital For Starting Businesses In Poland
This program provides equity investments in Poland for manufacturing, consumer goods, distribution networks, merchandising, and related service networks. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Landon Butler, President, Poland Partners, 700 13th St., N.W., Ste. 1150, Washington, DC 20005; 202-737-7300; Fax: 202-737-7604; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$20,000,000 In Venture Capital For Starting Businesses In Ukraine, Russia And Other Countries
This program provides equity investments in diversified manufacturing, consumer products, financial, and service industries for the following target areas: Ukraine, Armenia, Belarus, Estonia, Georgia, Kazakhstan, Latvia, Lithuania, Moldova, Romania, Bulgaria, and Russia. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, George Rohr, President, NCH Advisors, 712 Fifth Ave., 46th Floor, New York, NY 10019; 212-641-3200; Fax: 212-641-3201; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$16,000,000 In Venture Capital For Starting Businesses in Latin America
This program supports equity investments in Latin America for diversified manufacturing, financial, and service industries. An emphasis is placed on Bolivia, Ecuador, Peru, and Venezuela. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Bernard Aronson, ACON Investments, LLC, 1133 Connecticut Ave., N.W., Ste. 700, Washington, DC 20036; 202-454-1100; Fax: 202-454-1101; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$11,000,000 In Venture Capital For Starting Businesses in sub-Saharan Countries
This program supports equity investments in all sub-Saharan countries, excluding South Africa, with a focus on manufacturing, telecommunications, and natural resources. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Steve Cashin, Modern Africa Fund Mgr., LLC, 1100 Connecticut Ave, N.W., #500, Washington, DC 20036; 202-887-1772; Fax: 202-887-1788; {mafmdc@mafm.com}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$4,000,000 In Venture Capital For Starting Businesses In Israel
This program supports equity investments in Israel for technology, telecommunications, consumer retail, and consumer products. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Allan Barkat, General Manager, APAX-Leumi Partners, Inc., P.O. Box 2-34, Herzliya, Israel 46120; 972-3-696-5992; Fax: 972-9-958-8366; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}
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$4,500,000 In Venture Capital For Starting Businesses In West Bank/Gaza, Jordan and Oman
This program supports equity investments in basic industries that create intra/inter-regional synergies. Regions supported include: West Bank/Gaza, Jordan and Oman. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Dr. Fuad Abu Zayyad, Chairman, InterArab Mgmt. Inc., 2468 Eubarcadero Way, Palo Alto, CA 94303; 650-917-0390; Fax: 650-856-9864; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$6,500,000 In Venture Capital For Starting Businesses In The West Bank/Gaza and Jordan Regions
This program provides equity investments in West Bank/Gaza and Jordan regions for basic service and manufacturing companies. This program is designed to promote and facilitate U.S. investment in emerging market economies by working with private capital to make direct equity and equity related investments. Investment funds are designed to complement OPIC loan products. Each investment fund must meet OPIC policy requirements, including impacts on the U.S. economy and employment. Contact OPIC, Scott Stupay, President, International Capital Investors, 6862 Elm St., Ste. 720, McLean, VA 22101; 703-847-0870; Fax: 703-847-3068; {info@opic.gov}; {http://www.opic.gov/subdocs/public/publications/fundlist.htm}.
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$50,000,000 To Help Small Aircraft Companies Sell Overseas
The Ex-Im bank offers a variety of finance programs to assist U.S. manufacturers in the sale of transportation equipment to foreign buyers. Ex-Im Bank has established terms and conditions guided by the OECD to support all types of aircraft. Credit decisions will be based on the credit worthiness of the lessee and the additional security provided by the aircraft. Current interest rates can be viewed at the following website: Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/afprogs.html}.
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$10,000,000 To Financial Institutions Who Lend To Exporters
This program assists financial institutions in the collection of export transactions. A line of credit is established between a U.S. lender and a foreign obligor. Transactions are approved and underwritten as a package rather than individually which eliminates the need to have each transaction submitted and approved separately. This program covers multiple sales of U.S. capital goods and services. Lenders may charge the market rate of interest on guaranteed loans. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/guarantee.html}.
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$200,000,000 To Help Exporters With Cash Flow Problems
This program finances projects that depend on cash flow to repay loans. Candidates for this program include Greenfield projects and projects involving significant facility or production expansion. Ex-Im Bank offers a finance program with several options available to project sponsors to assist in developing an appropriate financing plan. Comprehensive political guarantees are offered during construction and operation. Ex-Im does not have dollar limits related to project size, sector or country. The maximum support is governed by OECD rules. Lenders may charge a market rate of interest on guaranteed loans. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380;
{bdd@exim.gov}; {http://www.exim.gov/ebd-p-01.html}.
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$10,000,000 For Exporters of Architectural, Industrial and Engineering Design Services

This program finances feasibility studies in support of the export of services related to architectural, industrial and engineering design. The program covers 85% of the export value. The foreign buyer is required to make payment of at least 15% in cash. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov};
{http://www.exim.gov/ebd-m-03.html}.
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$10,000,000 For Exporters of Maintenance Services
This program provides Ex-Im loans and loan guarantees to cover expenses related to start-up, testing and control, repairs, preventive maintenance and on-site Current interest rates can be viewed at {http://www.exim.gov/country/cntcirrc.html}. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/opm.html}.

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Insurance For Leasing Companies Who Export
This policy is designed to support leasing companies involved in the export of products. Payments to the company are covered during the period the company is in the process of repossessing a product. This program insures the lessor against a loss of continued revenue from the lease. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/insspec.html}.

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Insurance For Leasing Companies Who Export
This policy is designed to support leasing companies involved in the export of products. This program provides coverage in cases where government actions that may prevent the repossession, expropriation, or confiscation of leased. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/insspec.html}.
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Insurance For Leasing Companies With Special Problems
This policy protects leasing companies in situations where the lease concept provides that at the end of the lease there will be little residual value remaining in the leased product and ownership will be transferred when the lease expires. Coverage for the insured percentage of each lease payment as it falls due is provided to the lessor should the lessee default. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/insspec.html}.
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Insurance To Cover Political And Commercial Risks For Small Business Exporters
This program targets new exporters and provides protection for the U.S. Small Business (SBA) program, per SBA requirements. Short-term credit sales, of less than one year, are insured against loss due to political and/or commercial actions. Protection is provided at 100% of the political risk (terrorism, war, etc.) and 95% of the commercial risk (i.e. currency devaluation). This program requires a $500 advance premium. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {http://www.exim.gov/insspec.html}; {http://www.exim.gov/inssb.html}.
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Short Term Insurance To Cover Political And Commercial Risks for Small Business Exporters
This program targets new exporters and helps small businesses remain in compliance with the SBA requirements to expand sales. The program provides comprehensive credit risk coverage on the short-term sale of goods to many buyers. Short-term is defined as less than one year. Coverage is provided at 100% of the value for political risk (war, revolution, currency inconvertibility, etc.), or 90% of the covered value for commercial risk (currency devaluation). Premiums vary with the terms of the sale. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/insmb.html}.
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$10,000,000 To Help Sell Overseas
The Medium Term Loan program offers a credit program to a foreign buyer for purchases up to ten million dollars. To qualify for Ex-Im, the product or service must be comprised of at least 50% U.S. content and must not adversely affect the U.S. economy. Disbursements are made to the U.S. exporter and products are sent to the foreign buyer. The loan is available for up to 85% of the U.S. export value. The buyer must make a payment to the U.S. exporter of at least 15% of the export value in cash. Financing extends to all types of goods and services with the exception of those related to the military. Repayment terms for medium-term loans are generally seven years or less. Fixed lending rates offered by Ex-Im Bank apply to this loan program. Rates are the minimum OECD rate applicable to the category of the importing country and the repayment period. The borrower must be a credit-worthy entity in a country eligible assistance from Ex-Im Bank. See the Ex-Im website for a list of eligible countries. Current interest rates are available at the following website: {http://www.exim.gov/country/cntcirrc.html.}. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/mltprog.html}.
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$50,000,000 To Help Large Aircraft Manufacturers Sell Overseas
The Ex-Im bank offers a variety of finance programs to assist U.S. manufacturers in the sale of transportation equipment to foreign buyers. Ex-Im Bank has established terms and conditions guided by the OECD to support all types of aircraft. Ex-Im guarantees 100% of the principal and interest of the guaranteed loan. Ex-Im can support up to 85% of the contract price. Credit decisions will be based on the credit worthiness of the lessee and the additional security provided by the aircraft. Current interest rates can be viewed at the following website: {http://www.exim.gov/country/cntcirrc.html}. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/afprogs.html}.
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Insurance To Cover Risky Foreign Customers
This program offers coverage of credit sales of less than one year, to a single buyer named in the policy declaration, for goods produced and shipped, or services exported from the U.S. during the policy period. Protection is provided for both political and commercial risks. Premiums are based on a risk-based pricing system. See the website for premium minimums. This policy is only available to exporters. Financial institutions are not eligible for coverage under this plan. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/insstb.html}.

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$50,000,000 To Help U.S. Businesses Sell Used Aircraft Overseas
The Ex-Im bank offers a variety of finance programs to assist U.S. manufacturers in the sale of transportation equipment to foreign buyers. Ex-Im Bank has established terms and conditions guided by the OECD to support all types of aircraft. Credit decisions will be based on the credit worthiness of the lessee and the additional security provided by the aircraft. Ex-Im bank is prohibited by law from supporting the sale of military aircraft or civilian aircraft that will be used for military purposes. Current interest rates can be viewed at the following website: {http://www.exim.gov/country/cntcirrc.html}. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/afprogs.html}.
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$50,000,000 To Help Railroad Companies Sell Overseas
The Ex-Im bank offers a variety of finance programs to assist U.S. manufacturers in the sale of transportation equipment to foreign buyers. Ex-Im Bank has established terms and conditions guided by the OECD to support all types of locomotives, passenger and freight cars. Credit decisions will be based on the credit worthiness of the lessee. For government-owned or controlled railroad borrowers, Ex-Im may also require a sovereign guarantee. Current interest rates can be viewed at the following website: Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/ebd-m-51.html}.
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$50,000,000 To Help Ship Building Companies Sell Overseas
The Ex-Im bank offers a variety of finance programs to assist U.S. manufacturers in the sale of transportation equipment to foreign buyers. Ex-Im Bank has established terms and conditions guided by the OECD to support all types of ships. Ships are defined as self-propelled sea-going vessels of more than 1000 gross tons. Barges, for example, are not self-propelled, and therefore do not qualify as ships. For government-owned or controlled ships, Ex-Im may also require the additional security provided by a mortgage over the ship. The U.S. government can also support the export of ships and the maritime industry through its programs offered by the Overseas Private Investment Corp. (OPIC) and the Maritime Administration (MARAD). Current interest rates can be viewed at the following website: {http://www.exim.gov/country/cntcirrc.html}. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/ebd-m-51.html}.
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Insurance To Protect Letters of Credit for Exporters

This program protects banks against loss of irrevocable letters of credit insured by foreign banks to support U.S. exports. Coverage is offered against the failure of an overseas financial institution to make payments or reimburse the insured bank. Rules prohibit publication of premiums. Contact Ex-Im Business Development for rates. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/insbcl.html}.
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Insurance To Help Businesses Sell Environmental Equipment Overseas
This program provides short-term credit to SBA classified small business exporters with products that benefit the environment. Coverage is provided to protect against loss due to defaults related to political or commercial risks. Eligible exports must be specifically designed to aid in the abatement, control, or prevention of air, water, noise pollution, and/or ground contamination. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/insspec.html#tap}.
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$10,000,000 In Working Capital Money For Exporters And Foreign Purchasers of Exports
This program is designed to assist businesses in obtaining the necessary pre-export working capital that will allow them to bid, construct, or enhance production to complete foreign contract awards. Ex-Im provides working capital loans to U.S. exporters and guarantees repayment of loans or makes loans to foreign purchasers of U.S. goods and services. Financing extends to all types of goods and services with the exception of those related to the military. The product or service must be comprised of 50% U.S. content and not adversely affect the U.S. economy. Lenders may charge a market rate of interest on guaranteed loans. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/mdwacgp.html}.
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Insurance To Protect Exporters from Political or Commercial Risks
The Medium Term Insurance Credit Program protects exporters for sales terms of one to five years. Protection is offered against loss resulting from the default of a foreign debtor for political or commercial reasons. Covered goods include, but are not limited to, vehicles, machinery, commercial equipment, project related services and breeding cattle. Coverage is provided at 100% to cover political and commercial risk. Two types of policies are offered: A Single Sales Policy for one-time transactions and a Repeat Sales Policy for an exporter with an on-going relationship with the purchaser. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/insmtsb.html}.

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$200,000,000 For Foreign Buyers to Purchase From U.S. Companies
The Long Term Loan Program is a credit program for foreign buyers to cover purchases over ten million dollars. To qualify for Ex-Im support, the product or service must be comprised of at least 50% U.S. content and must not affect the U.S. economy adversely. Disbursements are made to the U.S. exporter and the products are delivered to the foreign buyer. The loan is available for up to 85% of the U.S. export value. The buyer must make a payment of at least 15% of the U.S. export value in cash. Financing extends to all types of goods and services with the exception of those related to the military. Repayment terms for long-term loans are generally greater than seven years. Fixed lending rates offered by Ex-Im Bank do apply. Rates are the minimum OECD rates applicable to the category of the importing country and the repayment period. The borrower must be a credit-worthy entity in a country eligible for Ex-Im assistance. See the Ex-Im website for a list of countries. Current interest rates can be viewed at the following website: {http://www.exim.gov/country/cntcirrc.html}. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/mltprog.html}.
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$10,000,000 To Pay Exporters Bad Debts From Foreign Buyers
This program offers a guarantee to cover the repayment risks of debt obligations for foreign buyers. Ex-Im Bank guarantees that, in the event of default, it will repay the principal and interest of the loan. The foreign buyer is required to make a payment of at least 15% in cash. Ex-Im Bank guarantees coverage of 100% of the commercial and political risks for purchases of less than ten million dollars. Guarantees covering political risks only are also available. Any U.S. or foreign bank, other financial institutions, or other responsible party, including the exporter, can be a lender under this program. Lenders may charge a market rate of interest on guaranteed loans. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/guarantee.html}.

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Insurance to Cover Political and Commercial Risks for New Small Business Exporters
This policy is designed to assist new exporters. Businesses classified by the SBA as small businesses are offered repayment protection for short-term export credit sales. Political risk (war, revolution, etc.) is covered at 100%. Commercial risk that may lead to a default by the buyer is covered at 95%. This policy insures sales by U.S. Corporations, partnerships, individuals, foreign corporations doing business in the U.S., and foreign sales corporations controlled by U.S. corporations. Premiums vary with the terms of the sale and the type of buyer. The exporter must pay a refundable advance premium of $500. The policy is renewable each year. Contact Export-Import Bank of the United States (EXIM), Wayne Gardella, Manager, 811 Vermont Ave., N.W., Washington, DC 20571; 800-565-3976 x3787; Fax: 202-565-3380; {bdd@exim.gov}; {http://www.exim.gov/inssb.html}.
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Free Help Line for New York Businesses
The State of New York has dedicated a toll free line to businesses and companies that were displaced or otherwise directly impacted by the attack to acquire business assistance
information. It will provide access to assistance services offered by State agencies including the Insurance Department, the Department of Labor and the New York Power Authority. Contact World Trade Center Business Assistance Center; c/o Empire State Development; 633 Third Avenue, 32nd Floor; New York, NY; 800-I LOVE NY (1-800-456-8369); {www.state.ny.us}; {www.nysemo.state.ny.us/WTC/wtcnumbers.html#business}.
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Businesses Loans for "Called Up" Reservists
The Small Business Administration has a loan to provide funds to eligible small businesses to meet its ordinary and necessary operating expenses that it could have met, but is unable to meet, because an essential employee has been "called up" to active duty in their role as a military reservist. Contact Small Business Administration, 800-U ASK SBA; Fax: 202-205-7064; {E-Mail: answerdesk@sba.gov}; {www.sba.gov/disaster/};
{www.sba.gov/gopher/Home all.txt for program specifics}.
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Money For New York City Farmers Markets
The New York City Greenmarket opened its regular Tuesday morning farmers market at the World Trade Center on Tuesday, September 11, 2001. All farmers at the market escaped injury, but their trucks, tables, canopies, supplies, and produce were destroyed, and their losses are not covered by insurance. The Farmers' Market Federation of New York, a statewide, nonprofit organization that provides support services for farmers markets within New York State, has established a "Fund for WTC Greenmarket Farmers" for those farmers who suffered such losses. Contact Farmers' Market Federation of New York, 2100 Park Street, Syracuse, NY 13208; 315-475-1101; {E-Mail: info@NYFarmersMarket.com}; {www.nyfarmersmarket.com/Home page.html}.
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$5 Million in Emergency Loans for Your NYC Business

FleetBoston Financial Services, in cooperation with the New York City Partnership, has created an Emergency Loan Fund specifically for New York City businesses impacted by the tragic events of September 11th. Fleet will offer directly impacted businesses, located below 14th Street, the opportunity to borrow from $10,000 to $5 million. The loans are below prime borrowing rates (currently 4%) and offer approval and funding in two to five days with no closing costs or application fees. There is the option to make interest-only payments for the first (12) months, and the ability to apply at any Fleet branch, by phone, or online. For more information or to apply for a business loan call: John McWeeney, Executive Vice President , Fleet Small Business Services; 212-703-1850.; {www.smallbiz.fleet.com}.
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Free Money to Help Moms Start a Business!
The IdeaCafe has established a grant program to give worthy mothers the chance to develop a successful business at Home , while parenting young kids aged 1 month to 13 years old. The grant varies in amount and is open to work-at-Home Moms worldwide! The application and information are available on the Website. The IdeaCafe also has links to a variety of other grants and funding as well as articles and information for small businesses. For more information contact Idea Cafe's MOM Biz Grant; {www.ideacafe.com}; {E-mail: chef@ideacafe.com}; {http://www.ideacafe.com/business_grants/index.html}.
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Free Office Space and Computer Equipment for New York Non-Profits
The Nonprofit Coordinating Committee of New York (NPCC) has created a web page of New York City nonprofits businesses offering assistance to other nonprofits affected by the September 11th attacks. Crisis intervention, grief counseling, computer equipment, office space, Internet and email services, and architectural assessment of organizations affected by the disaster are just a few of resources and assistance available to those in need. Contact Nonprofit Coordinating Committee of New York, 1350 Broadway, Suite 1801, New York, New York 10018; Name: Daniel Myers; 212-502-4191; Fax: 212-502-4189; {E-mail: dmyers@npccny.org}; {http://www.npccny.org/disaster.htm}.

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Thanks to: Mary Ann Martello, Editor; Dixie St. John, Director of Research; Jo Ann Burton, Research; Anna Christenbury, Research; Christyna Copeland, Research; Angela Davidson, Research; Nancy Gibson, Research; Susan Harris, Research; Sandy Hendricks, Research; Frances Kingery, Research; Alex Klapat, Research; Corlyn Krinsky, Research; Elizabeth Leik, Research; Elizabeth Lukes, Research; Cindy Price, Research; Connie Pryor, Research; Amanda St. John, Research; Liz Sweeney, Research; Michelle Thomas, Research; Ed Foti and Jack Lyons, Web Support; Karen Strong, Technical Support; Kim Mattison, Web Construction

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