To reach a larger audience, the U.S. Small Business Administration is now posting informational videos on YouTube. The Small Business Administration recently launched it's own YouTube channel, joining an increasing number of federal agencies that are taking advantage of the popular video-sharing platform to reach a larger audience.
“With millions of visitors, most of them under 35, YouTube offers a prime opportunity to use current technology and the appeal of a popular online platform to further promote the agency’s programs and services,” SBA Administrator Karen Mills says. “By expanding its outreach, SBA will be providing more current and potential entrepreneurs with the necessary tools to start, grow and succeed in their businesses.”
In a statement released Aug. 26, SBA said it is intent on reaching this audience with its message of entrepreneurship, the importance of small business to the nation’s economy and information on the agency’s programs and services.
The SBA YouTube channel debuted with a 60-second introduction to SBA, its programs and services, and a 10-part “Delivering Success” series co-produced with the U.S. Postal Service.
Future content will include a variety of videos with more in-depth information about SBA programs and services to inform current and potential entrepreneurs. Topics will cover how small businesses can take advantage of the Recovery Act loan programs, government contracting opportunities, exporting to increase market share, counseling and training on how to start and grow a small business, and small business success stories.
Monday, August 31, 2009
Immigrants a Plus for the Economy
I've taken a break from the business blog for a month and with Labor Day just around the corner it is time to bring attention back to the New Iowa Entrepreneurs Coalition and these musings. I'm just back from a delightful 10 days in the Pacific NW - visiting grandchildren and relaxing.
While on the flights to and from SeaTec, I had some time to catch up on back issues of Business Week and Newsweek magazines that have languished in my inbox over the past few weeks. Here is one of the short takes that caught my eye.
Immigrants a Plus for the Economy
Immigrants create more jobs than they take. That is the take home message appearing in a recent issue of Newsweek from the following 'Smart List' item:
Lou Dobbs, take note: immigrants are good for our economy. The most skilled create jobs in technology and engineering, says Duke professor Vivek Wadhwa, who estimates that in 2005 immigrant-founded engineering and tech companies employed 450,000 people and generated $52 billion in sales. But even the least skilled more than repay their costs in schools and health care. Two highly respected Australian economists, Maureen Rimmer and Peter Dixon, studied the issue for the libertarian Cato Institute. "The net impact on U.S. households from tighter border enforcement is unambiguously negative," they found, because even low-skilled immigrants expand the economic pie and create jobs farther up the ladder. Cato's Dan Griswold says the study shows a $250 billion difference between the most and least restrictive immigration policies.
Not surprisingly, the blurb has generated a number of reader comments. And unfortunately, a majority use it as a misguided chance to complain about high unemployment rates in the US and jobs going overseas (a completely separate issue). My personal favorite mixes in a bit of anti-corporate conspiracy theory with its xenophobia:
"Only a magazine that makes its money from the ads it sells to soulless, nationless corporations would say immigrants create jobs. I guess the more immigrants, the happier the corporations are and the happier Newsweek is to sell them ad space. Corporatism is cracking. The American middle class won't take much more of their jobs being transferred to India. India needs to create its own jobs instead of sucking jobs from "American" firms."
While on the flights to and from SeaTec, I had some time to catch up on back issues of Business Week and Newsweek magazines that have languished in my inbox over the past few weeks. Here is one of the short takes that caught my eye.
Immigrants a Plus for the Economy
Immigrants create more jobs than they take. That is the take home message appearing in a recent issue of Newsweek from the following 'Smart List' item:
Lou Dobbs, take note: immigrants are good for our economy. The most skilled create jobs in technology and engineering, says Duke professor Vivek Wadhwa, who estimates that in 2005 immigrant-founded engineering and tech companies employed 450,000 people and generated $52 billion in sales. But even the least skilled more than repay their costs in schools and health care. Two highly respected Australian economists, Maureen Rimmer and Peter Dixon, studied the issue for the libertarian Cato Institute. "The net impact on U.S. households from tighter border enforcement is unambiguously negative," they found, because even low-skilled immigrants expand the economic pie and create jobs farther up the ladder. Cato's Dan Griswold says the study shows a $250 billion difference between the most and least restrictive immigration policies.
Not surprisingly, the blurb has generated a number of reader comments. And unfortunately, a majority use it as a misguided chance to complain about high unemployment rates in the US and jobs going overseas (a completely separate issue). My personal favorite mixes in a bit of anti-corporate conspiracy theory with its xenophobia:
"Only a magazine that makes its money from the ads it sells to soulless, nationless corporations would say immigrants create jobs. I guess the more immigrants, the happier the corporations are and the happier Newsweek is to sell them ad space. Corporatism is cracking. The American middle class won't take much more of their jobs being transferred to India. India needs to create its own jobs instead of sucking jobs from "American" firms."
Friday, July 24, 2009
Top Seven Tips for Taxpayers Who Have Started or Are Starting a New Business
John Berger
Communications Analyst at US Government
Communications Analyst at US Government
Anyone starting a new business should be aware of their federal tax responsibilities.
Here are the top seven things the IRS wants you to know if you plan on opening a new business this year.
1. First, you must decide what type of business entity you are going to establish. The type your business takes will determine which tax form you have to file. The most common types of business are the sole proprietorship, partnership, corporation and S corporation.
2. The type of business you operate determines what taxes you must pay and how you pay them. The four general types of business taxes are income tax, self-employment tax, employment tax and excise tax.
3. An Employer Identification Number is used to identify a business entity. Generally, businesses need an EIN. Visit IRS.gov for more information about whether you will need an EIN. You can also apply for an EIN online at IRS.gov.
4. Good records will help you ensure successful operation of your new business. You may choose any recordkeeping system suited to your business that clearly shows your income and expenses. Except in a few cases, the law does not require any special kind of records. However, the business you are in affects the type of records you need to keep for federal tax purposes.
5. Every business taxpayer must figure taxable income on an annual accounting period called a tax year. The calendar year and the fiscal year are the most common tax years used.
6. Each taxpayer must also use a consistent accounting method, which is a set of rules for determining when to report income and expenses. The most commonly used accounting methods are the cash method and an accrual method. Under the cash method, you generally report income in the tax year you receive it and deduct expenses in the tax year you pay them. Under an accrual method, you generally report income in the tax year you earn it and deduct expenses in the tax year you incur them.
7. Visit the Business section of IRS.gov for resources to assist entrepreneurs with starting and operating a new business.
To keep up with IRS new, announcements and products and services, subscribe to e-News on
IRS.gov at http://www.irs.gov/businesses/small/article/0,,id=154825,00.html , click “Subscribe Now” at the bottom of the page and enter your e-mail address.
IRS.gov at http://www.irs.gov/businesses/small/article/0,,id=154825,00.html , click “Subscribe Now” at the bottom of the page and enter your e-mail address. IRS Link for New Businesses: • Small Business and Self-Employed Tax Center http://www.irs.gov/businesses/small/index.html
Wednesday, June 10, 2009
How To Turn An Idea Into A Business in 1 Day
Have an Idea For a New Product, Service or Business?
FREE INFORMATIVE SEMINAR – June 30 (5 – 7 pm)
WHERE: Impromptu Studio, 300 SW 5th St #220, Des Moines, IA 50309
Join Us & Preview the Weekend Startup Business Boot Camp Where:
· You Bring the Idea, We Help You Launch It
· Save Thousands of Dollars and Tons of Time
· Test Your Ideas Quickly & Cheaply
· Identify and Head Off Potential Points of Failure
· This Event is Hands ON! Don’t Just Learn It, DO It!
· Do In-Room Market Research & Enjoy the Synergy of Fellow Entrepreneurs
· Meet 1 on 1 With the Experts (attorneys, CPAs, etc.) at no Additional Charge
· Learn Effective Ways to Market Your New Business or Service For Next to Nothing
· Little Known but Simple Ways to Get Capital for Your Idea
· The Information and Our Process Will Last You a Lifetime
Call 641-204-9476 For More Info and To Register For This FREE Event
http://www.blogger.com/www.StartupBusinessBootCamp.com/desmoines
1-877-Biz-Nation (877-249-6284)
WHO BENEFITS MOST FROM ATTENDING:
People Currently Employed – Looking to start a side business to supplement their income.
Job Seekers – Who are tired of the humiliating job hunting process and want to take control.
Stay At Home Parents – Who are looking to supplement their household’s income.
Business Owners – Who want to learn how to rapidly launch most any idea in under 24 hrs.
FREE INFORMATIVE SEMINAR – June 30 (5 – 7 pm)
WHERE: Impromptu Studio, 300 SW 5th St #220, Des Moines, IA 50309
Join Us & Preview the Weekend Startup Business Boot Camp Where:
· You Bring the Idea, We Help You Launch It
· Save Thousands of Dollars and Tons of Time
· Test Your Ideas Quickly & Cheaply
· Identify and Head Off Potential Points of Failure
· This Event is Hands ON! Don’t Just Learn It, DO It!
· Do In-Room Market Research & Enjoy the Synergy of Fellow Entrepreneurs
· Meet 1 on 1 With the Experts (attorneys, CPAs, etc.) at no Additional Charge
· Learn Effective Ways to Market Your New Business or Service For Next to Nothing
· Little Known but Simple Ways to Get Capital for Your Idea
· The Information and Our Process Will Last You a Lifetime
Call 641-204-9476 For More Info and To Register For This FREE Event
http://www.blogger.com/www.StartupBusinessBootCamp.com/desmoines
1-877-Biz-Nation (877-249-6284)
WHO BENEFITS MOST FROM ATTENDING:
People Currently Employed – Looking to start a side business to supplement their income.
Job Seekers – Who are tired of the humiliating job hunting process and want to take control.
Stay At Home Parents – Who are looking to supplement their household’s income.
Business Owners – Who want to learn how to rapidly launch most any idea in under 24 hrs.
New Small-Business Loans: Financial Help for a Few Lucky Shops
By Diana Ransom SmartMoneyAccording to the Small Business Administration, thousands of needy small-business owners are about to receive some debt relief — just in the nick of time. Beginning on June 15, the agency will begin doling out 10,000 deferred-payment loans of up to $35,000 to small businesses that are struggling to stay afloat.
Under the American Recovery Capital (ARC) program, small businesses (private, for-profit enterprises with up to 500 employees) that are at least two years old and can demonstrate an immediate financial hardship including a 20% decline in sales, revenues or working capital, may apply for loans directly with participating SBA-approved small-business lenders. Businesses must use the loans to pay off certain types of outstanding small-business debt, including credit-card debt, capital leases and notes payable to vendors.
While this quick injection of cash could help some small businesses stay afloat, it will only help a small fraction of the struggling businesses that are out there, says Mark Deo, chief executive of the SBA Network, a small-business consultancy in Torrance, Calif. In addition, it will be difficult for businesses to find lenders willing to dole out the loans (and take on the risk).
Here's a breakdown of the pros and cons of the SBA's new lending program:
Pros
Lack of fees: Unlike previous SBA loans, borrowers won't have to pay any fees. Lenders aren't allowed to charge ARC Loan recipients any fees or costs. (Though, they may charge for direct costs associated with securing and liquidating collateral if the borrower defaults.)
No interest: The SBA pays the loan's interest (Prime plus 2%) for the life of the loan and fully guarantees it.
Deferred payments: The disbursement period, which lasts up to six months, is followed by a 12-month deferral period in which borrowers aren't required to repay the ARC Loan principal. After the deferral period, the borrower makes payments on only the principal and can take up to five years to repay the loan.
Extra cash flow: By using the loan to pay off company debts, it frees up other funds that can be put toward business expenses, such as buying inventory or making payroll, says SBA Network's Deo. "They can pay off their credit-card debt and even free up some assets for reinvestment," he says.
If Bill and Lorraine Flegenheimer, co-owners of Flegenheimer International, an El Segundo, Calif., customs broker, are able to lasso an ARC Loan, they're planning on using the proceeds to pay down a $40,000 secured business loan and add a staff member. "Hiring an additional person would be a tremendous help," says Bill. "We can expand our service, which can help boost business."
Cons
Limited number of loans: There are, according to the SBA, roughly 30 million small businesses in the U.S. However, there are only 10,000 loans available under the ARC program — meaning that the program will only help a small fraction of small businesses get back on their feet, says Deo.
Lenders may refuse to participate: Even though the ARC loans are 100% guaranteed by the SBA, participating lenders will still be required to issue funds without receiving any of a loan's principal for a full year, says Deo. And since lenders aren't allowed to charge fees for these loans, they'll also take on the administrative costs, he says.
Another problem: Many lenders may not have the financial muscle to finance the loans, the demand for which is expected to be high. "We're having meetings all week to see if we have the capacity to participate in the program," says Marylee Gotch, a spokeswoman for KeyBank.
Strict eligibility requirements: Businesses are required to show that they were either profitable or maintained a positive cash flow in at least one of the past two years. A business also needs to demonstrate — via quarterly cash flow projections — its ability to meet current and future debt obligations, including future repayment of the ARC Loan.
Lou Hoffman, chief executive of the Hoffman Agency, a San Jose, Calif., public relations firm, would welcome the opportunity to reduce his business's debt burden. However, he doesn't believe his business will pass muster. "Banks won't make loans unless there's a recent track record of profitability." That, he adds, "rules out most small businesses (including us)."
two years at The Wall Street Journal Sunday, where she wrote personal-finance articles and a column about young people starting out. Ransom has held internships in the New York bureau of the Christian Science Monitor, where she covered banking and politics, and the New York Daily News, where she tracked everything from marketing and personal-finance topics to the New York Stock Exchange and various corporate criminal proceedings. Before that, she spent a year at Fast Company magazine covering entrepreneurs, technology and marketing. Ransom has a master's degree in journalism and a certificate in business and economic reporting from New York University. She also holds a bachelor's degree in marketing from George Mason University. Copyright 2009 Dow Jones & Company, Inc.
Sunday, May 17, 2009
SMALL BUSINESS WEEK: ‘Building a Community around your business'
This is the week that small is big.National Small Business Week begins Monday May 18, and the New Iowa Entrepreneurs’ Coalition will note the occasion with a series of education and networking events throughout Central Iowa. The Coalition's theme for the week is "Building a Community around your business".
The week will kickoff with two featured events on Monday. The first is a 'Lunch N Learn' titled 'Building Business Intelligence and managing reputation through social media'. The event will begin at 11;30 am at the The Des Moines Social Cub—1408 Locust in the Western Gateway.
What are your customers saying about you online? This workshop teaches you and your team how to harness listening and monitoring technology (Google Reader, Technorati, Twitter Search, etc.) for the purpose of scanning conversations in blogs, social networks, user forums, message boards and online communities for mentions of your business, competitors and other relevant topics. You'll also learn how to effectively engage your online audience on their own turf with honest, human-to-human discourse, as well as how to deal with detractors.
This session is conducted by Nathan T. Wright and Hillary Brown of Lava Row, a Des Moines-based social media education, consulting and strategy firm.
Register through the New Iowa Entrepreneurs' Coalition web site or through a hot link from the New Iowa Group web page. Tickets are $25/person. You may want to arrive at 11:30 for conversation and casual networking. Bring your own lunch…
Small Business Week Events continues at 5:30 PM with a second featured event —'Personally Powerful Presentations: Two-Minute Make-Over Moments.'
Small Business Week Events continues at 5:30 PM with a second featured event —'Personally Powerful Presentations: Two-Minute Make-Over Moments.'
Our featured presenter is James Sandin of Dynamications, LLC who will explain how to present yourself and your business with power in "making over" your prospect's impressions and interests in you and what you are offering. It's the two-minute commercial approach supersized.
This meeting will be held at the RDG Offices at 301 Grand Avenue in downtown Des Moines. Register through the New Iowa Entrepreneurs' Coalition web site or through a hot link from the New Iowa Group web page.
You can download a complete listing of the Coalition's Small Business Week events from the 'FILES' section in the New Iowa Entrepreneurs’ Coalition web site. Visit the Calendar page for mote networking and education events.
Thursday, April 30, 2009
Update on the American Recovery and Reinvestment Act: Help for Small Businesses
On Monday, Sen. Tom Harkin and Gov. Chet Culver hosted a community event at the Dallas Center - Grimes High School that offered participants insights into the details (as they are known) of the American Recovery and Reinvestment Act of 2009 (Recovery Act).
A panel for small businesses and workforce issues presented some very useful information and a few members of the The New Iowa Entrepreneurs’ Coalition were there to take notes. We were told that videocast of the event would be available but I have not found it yet.
Click on the title of the next section for a podcast from the SBA.
Here's a summary of the American Recovery and Reinvestment Act's programs specifically targeted to small businesses (as defined by the SBA) and the banks that lend to them.
We've all read about the bail outs for big banks and big businesses over the last several months. Now, the current administration has launched a series of programs specifically targeted to small businesses (as defined by the SBA) and the banks that lend to them.
The goal of the program, part of the American Recovery and Reinvestment Act, is to provide entrepreneurs and lenders some financial relief from the current economic crisis that will help encourage borrowing and lending to all small business, including start-ups. It also provides a new program to help businesses that are struggling to make payments on an existing loan.
This loan program, called the America's Recovery Capital (ARC) will soon offer deferred-payment loans of up to $35,000 backed 100 percent by SBA to viable small businesses that need help making payments on an existing, qualifying loan for up to six months. (Note: the existing loan does not have to be a SBA loan to qualify.) Repayment does not begin until 12 months after the loan is fully disbursed and will be for the principal amount only. (ARC loans cannot be made to cover payments on an existing loan that was guaranteed by SBA before February 17, 2009, the day the bill was signed into law.)
As of this writing, the final details on the ARC were still being worked out and the loans were not yet available. Check with your local bank or SBA Website to find out when these loans will be available.
The other part of the program involves up to $15 billion from the Treasury Department to unlock the secondary markets for small business loans. The secondary markets for 7(a) and first lien 504 securities has ground to a virtual halt over the last year. That, in turn, has made banks less willing to make the loans as they depend on these secondary markets to buy up their existing loans, thereby gaining liquidity for future lending. The government has now announced that the government will stand ready to purchase 7(a) and 504 first-lien securities. The goal is to encourage banks to make loans as they now have a ready buyer in the form of the Treasury Department committed to buy those loans from the bank once they are made.
In addition, to the above programs, the Act also includes temporary elimination of 7(a) and 504 loan fees. Fees for a 7(a) loan are based only on the guaranteed portion of the loan and depend on the size of the loan. Fees range from 2% to 3.75%. Fees for 504 loans generally run about 1.5% for the application fee. This, along with the fee to the mortgage lender, will be waived.
Also under "discussion" is the allowance for allowing some use of 504 funds restructuring of existing debt that was previously used to acquire fixed assets. Further guidance regarding this provision is expected to be released soon.
The SBA formally guaranteed participating banks 75-85% of their portion of 7a loan funds. They have now raised this guarantee to 90%, again in an attempt to decrease the risk to a participating bank and encourage lending to small businesses. This increased guarantee and loan fee waivers are good through the end of 2009 or until the designated funds for them are exhausted.
The Recovery Act includes other initiatives to help business owners with under $15 million in gross receipts, including targeted tax relief. If you experienced a loss in 2008, you can "carryback" this loss for up to the previous five years to receive a tax refund for taxes previously paid on your profits. Previous carrybacks were limited to two years. If, after applying this carryback to previous years you still have a net operating loss (nol), you can carry it forward for up to 20 years. This new extension applies only to businesses that have gross receipts of $15 million or less.
New extensions on depreciation rules allow you to accelerate depreciation taken on new assets purchased in 08 and 09.
Last year, lawmakers allowed businesses to recover the costs of capital expenditures made in 2008 faster than the ordinary depreciation schedule would allow by permitting these businesses to immediately write-off 50 percent of the cost of depreciable property, such as equipment, tractors, wind turbines, solar panels and computers acquired in 2008. Increase deductions mean less taxable profits to your business.
The new rules extend this 50 percent bonus depreciation allowed for property with a recovery period of 20 years or less for 2009. In addition, Code Section 179 which allows for accelerated depreciation for used or new assets, has been increased from $125K to $250K. Unlike Code Section 179, depreciation expensing that is available for new or used property, bonus depreciation is available only for new property or equipment.
Just remember, the more you increase depreciation for 09, the less you'll have available for future years. Contact your CPA or tax accountant about how these new provisions might allow you to decrease your taxable income for 09.
To find out more about these programs, visit the SBA website or the Des Moines Area SBA District Office to obtain a list of SBA-participating lenders in our area.
Our Small Business Development Centers (SBDC) are partially funded through the SBA. These offices offer free counseling and research to small businesses. They also are knowledgeable about other resources in your area and can connect you to other service provides and possible financing sources.
Finally, you will find a collection of other useful links by visiting the New Iowa Group web site and clicking on the 'Business Resources' hotlink.
A panel for small businesses and workforce issues presented some very useful information and a few members of the The New Iowa Entrepreneurs’ Coalition were there to take notes. We were told that videocast of the event would be available but I have not found it yet.
Click on the title of the next section for a podcast from the SBA.
Here's a summary of the American Recovery and Reinvestment Act's programs specifically targeted to small businesses (as defined by the SBA) and the banks that lend to them.We've all read about the bail outs for big banks and big businesses over the last several months. Now, the current administration has launched a series of programs specifically targeted to small businesses (as defined by the SBA) and the banks that lend to them.
The goal of the program, part of the American Recovery and Reinvestment Act, is to provide entrepreneurs and lenders some financial relief from the current economic crisis that will help encourage borrowing and lending to all small business, including start-ups. It also provides a new program to help businesses that are struggling to make payments on an existing loan.
This loan program, called the America's Recovery Capital (ARC) will soon offer deferred-payment loans of up to $35,000 backed 100 percent by SBA to viable small businesses that need help making payments on an existing, qualifying loan for up to six months. (Note: the existing loan does not have to be a SBA loan to qualify.) Repayment does not begin until 12 months after the loan is fully disbursed and will be for the principal amount only. (ARC loans cannot be made to cover payments on an existing loan that was guaranteed by SBA before February 17, 2009, the day the bill was signed into law.)
As of this writing, the final details on the ARC were still being worked out and the loans were not yet available. Check with your local bank or SBA Website to find out when these loans will be available.
The other part of the program involves up to $15 billion from the Treasury Department to unlock the secondary markets for small business loans. The secondary markets for 7(a) and first lien 504 securities has ground to a virtual halt over the last year. That, in turn, has made banks less willing to make the loans as they depend on these secondary markets to buy up their existing loans, thereby gaining liquidity for future lending. The government has now announced that the government will stand ready to purchase 7(a) and 504 first-lien securities. The goal is to encourage banks to make loans as they now have a ready buyer in the form of the Treasury Department committed to buy those loans from the bank once they are made.
In addition, to the above programs, the Act also includes temporary elimination of 7(a) and 504 loan fees. Fees for a 7(a) loan are based only on the guaranteed portion of the loan and depend on the size of the loan. Fees range from 2% to 3.75%. Fees for 504 loans generally run about 1.5% for the application fee. This, along with the fee to the mortgage lender, will be waived.
Also under "discussion" is the allowance for allowing some use of 504 funds restructuring of existing debt that was previously used to acquire fixed assets. Further guidance regarding this provision is expected to be released soon.
The SBA formally guaranteed participating banks 75-85% of their portion of 7a loan funds. They have now raised this guarantee to 90%, again in an attempt to decrease the risk to a participating bank and encourage lending to small businesses. This increased guarantee and loan fee waivers are good through the end of 2009 or until the designated funds for them are exhausted.
The Recovery Act includes other initiatives to help business owners with under $15 million in gross receipts, including targeted tax relief. If you experienced a loss in 2008, you can "carryback" this loss for up to the previous five years to receive a tax refund for taxes previously paid on your profits. Previous carrybacks were limited to two years. If, after applying this carryback to previous years you still have a net operating loss (nol), you can carry it forward for up to 20 years. This new extension applies only to businesses that have gross receipts of $15 million or less.
New extensions on depreciation rules allow you to accelerate depreciation taken on new assets purchased in 08 and 09.
Last year, lawmakers allowed businesses to recover the costs of capital expenditures made in 2008 faster than the ordinary depreciation schedule would allow by permitting these businesses to immediately write-off 50 percent of the cost of depreciable property, such as equipment, tractors, wind turbines, solar panels and computers acquired in 2008. Increase deductions mean less taxable profits to your business.
The new rules extend this 50 percent bonus depreciation allowed for property with a recovery period of 20 years or less for 2009. In addition, Code Section 179 which allows for accelerated depreciation for used or new assets, has been increased from $125K to $250K. Unlike Code Section 179, depreciation expensing that is available for new or used property, bonus depreciation is available only for new property or equipment.
Just remember, the more you increase depreciation for 09, the less you'll have available for future years. Contact your CPA or tax accountant about how these new provisions might allow you to decrease your taxable income for 09.
To find out more about these programs, visit the SBA website or the Des Moines Area SBA District Office to obtain a list of SBA-participating lenders in our area.
Our Small Business Development Centers (SBDC) are partially funded through the SBA. These offices offer free counseling and research to small businesses. They also are knowledgeable about other resources in your area and can connect you to other service provides and possible financing sources.
Finally, you will find a collection of other useful links by visiting the New Iowa Group web site and clicking on the 'Business Resources' hotlink.
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