SBA Programs and Services

U.S. Small Business Administration

SBA Programs and Services

Robert Chavarria

Senior Area Manager South Florida District

(813) 228-2100 ext 24

[email protected]

Serving  Charlo.e,  DeSoto,  Hardee,  Hillsborough,  Manatee,  Pasco,      Pinellas,  Polk,  and  Sarasota  Coun;es  

SBA  Mission  Statement  

Maintain  and  strengthen  the  na;on’s  economy  by  

aiding,  counseling,  assis;ng  and  protec;ng  the  

interests  of  small  businesses  and  by  helping  

families  and  businesses  recover  from  na;onal  

disasters.  

SBA  Na;onal  Website  

www.sba.gov

To  download  a  copy  of  the  South  Florida  Resource  

Guide;  

www.smallbusiness3.com

And  select  Florida-­‐South  

SBA  Programs  And  Services  

• 

Business Training and Counseling

• Information to Start and Run your Business

•

 Financial Assistance

•

Federal government Contracting Assistance

Start  Up  Assistance  

• 

Start Up Basics

•  Starting Your Business

•  Managing Your Business

•  Financing

•  Marketing

•  Employees

•  Taxes

•  Legal Aspects

•  Outreach Programs

Business Training and Counseling

• Small Business Development Centers

• Procurement Technical Assistance Centers

• SCORE

• Women Business Centers

•  Veteran’s Business Outreach Centers

•  SBA Website – Training and Counseling •  Other Local Partners

SBA  Financial  Assistance  

Finding  Money  for  Your  Business  -­‐  

SBA  

     SBA  Loan  Programs  

     Export  Assistance  

     SBA  Guaranteed  Surety  Bonds  

     Small  Business  Investment  Program  

SBA    Loan  Programs  

7  (a)  Guaranteed  Loan  Program  

Ø  Basic  7(a)  

Ø  Small  Loan  Advantage  

Ø  SBA  Express  

Ø  SBA  Veterans  Advantage  

Ø  CAPline  

Ø  Community  Advantage    

Ø  Interna;onal  Trade  

Ø  Export  Working  Capital  

Ø  Export  Express  

Microloan  Program   504  Loan  Program  

Maximum  Loan  Amounts    

7(a)  Basic  Loan                $  5,000,000   CAPLines                              $  5,000,000   SBA  Express                            $  350,000   Small  Loan  Advantage                    $  350,000   Community  Advantage            $  250,000   Veterans  Loan  Advantage        $  350,000   Export  Working  Capital          $  5,000,000   Interna;onal  Trade            $  5,000,000   Export  Express                                                $  500,000   Rural  Lender  Advantage              $  350,000  

504  -­‐  Facili;es  Loans            $  5,000,000  -­‐  $5,500,000   Microloans                $  50,000  

Loan  Requirements  

Ø 

_Credit  

Ø 

Investment

Ø 

_Collateral  

Benefits  of  7(a)  Loans  

• 

REDUCES    LENDER’S  RISK  of  LOSS  

• 

Broadens  Bank’s  Lending  Ac;vi;es:  

 Start-­‐Ups                            High  Risk  Businesses  

 Longer  Terms            Collateral  Shor`alls  

• 

Allows  banks  to  increase  its  lending  limits  to  

borrowers.  

• 

Community  Reinvestment  Act  (CRA)  

• 

Increased  Profitability    to  Banks    

Other  Types  of  Financial  Assistance    

•  DISASTER LOANS – For Home, Business,

Economic Injury (EIDL), and for Deploying

Reservists (MREID)

•  SURETY BONDS – Bid, performance, payment,

and ancillary

•  Small Business Investment Companies (SBIC)

•  SBIR – Small Business Innovation Research

Program

•  STTR – Small Business Technology Transfer

Types  of  SBA  Disaster  Loans

•  Homeowners – Repair, replace, refinance real property - $200,000

•  Homeowners – Mitigate/prevent future loss – 20% of approved loan

•  Renters and homeowners - personal property $40,000

•  Business Physical Disaster Loans

•  Businesses of all sizes - to repair or replace real estate, equipment,

furniture, etc. _{– loans up to $2,000,000}

•  Small or large businesses – Mitigate/prevent future losses – 20% of approved loan

•  Economic Injury Disaster Loans (EIDL)

•  Small businesses and agricultural coops only (NAICS size standards) •  Economic injury caused by a disaster

•  Maximum loan amount - $1,500,000 •  h.p://www.sba.gov/hurricanes/index.html  

4  MAJOR  CONTRACT  SURETY  BONDS  FREQUENTLY  

REQUIRED

SBA guarantees Surety Bond Companies

against a percentage of losses sustained as a

result of default on:

1)  Bid Bond

2)  Performance Bond

3)  Payment Bonds

4)  Ancillary Bonds

SBA will guarantee bonds up to $6.5 million

written by any surety company that has been

approved to participate, and is listed in the

US Treasury’s Circular 570

SBIC  Program

• 

The  SBA-­‐licensed  for  profit  Small  Business  Investment  

Companies  (SBICs)  and  families  of  SBIC  investment  

funds  be.er  leverage  the  capital  they  use  to  invest  in  

small  businesses  

• 

Fund  businesses  through  investments  or  loans  

• 

SBIC’s  provide  managerial,  opera;onal,  and  technical  

assistance  

• 

Invest  in  a  wide  range  of  industries  

• 

h.p:www.sba.gov/inv  

SBIR  Program  

1.          S;mulate  technological  innova;on  

2.          Use  small  business  to  meet  R&D  needs  

3.          Encourage  minority  &  disadvantaged  par;cipa;on    in   technological  innova;on  

4.        Increase  private  sector  commercializa;on  derived  from  federal   R&D  

•  Program  funds  R&D  efforts  of  a  high  risk  nature  with  excellent   commercial  poten;al  

•  For  innovators  capable  of  conduc;ng  high  quality  R&D  

•  Agencies  with  R&D  budgets  >  $100  million  must  establish  an  SBIR   program  

•  Phase  I  up  to  $100,000  funding  

•  Phase  II  up  to  $750,000  funding  

STTR  Program  

1.            To  foster  innova;on  necessary  to  meet  the  na;on’s  scien;fic  and   technological  challenges  

2.            Expands  funding  opportuni;es  in  the  federal  R&D  arena  

3.            Expansion  of  private  sector  partnerships  to  include  joint  ventures  with   small  businesses  and  premier  non-­‐profit  research  ins;tu;ons  

4.          Encourage  minority  &  disadvantaged  par;cipa;on    in          technological   innova;on  

5.          Increase  private  sector  commercializa;on  derived  from  federal  R&D  

•  Program  funds  R&D  efforts  of  a  high  risk  nature  with  excellent   commercial  poten;al  

•  For  innovators  capable  of  conduc;ng  high  quality  R&D  

•  Agencies  with  R&D  budgets  >  $100  million  must  establish  an  SBIR   program  

•  Phase  I  up  to  $100,000  funding  

•  Phase  II  up  to  $750,000  funding  

HUBZone Empowerment Contracting

Self-Certifications

Woman-owned Small Business (WOSB)

Veteran-owned Small Business (VOSB)-Self certified except for VA Contracts*

Service Disabled Veteran-owned Small

Business (SDVOSB)-Self certified except for VA contracts*

Small Business –Determined by NAICS Codes

Small Disadvantaged Business (SDB)

*www.vetbiz.gov

Small Business (SB) - 23%

Small Disadvantaged Business (SDB) - 5%

Women-Owned Small Business - (WOSB)- 5%

HUBZone Small Business – 3%

Service-Disabled Veteran-Owned SB (SDVOSB) - 3%

Prime Contracting Government-wide

Procurement Goals

8(a) and HUBZone programs require preapproval by SBA Both programs provide eligibility for Sole Source Contracts:

8(a) up to $6.5M for (mfg.) and up to $4.0M for (non-mfg.) HUBZone $5.5 (mfg.) and $3.5 (non-mfg.)

—  8(a) - Socially and economically disadvantaged firms enrolled in a 9-year business development program. Eligible to receive competitive and ‘sole source’ contract awards. www.sba.gov/8abd

—  HUBZone - Small businesses, owned and controlled by US Citizens, community Development Corps, Indian tribes with its principal office located in areas identified as historically underutilized business zones, and with 35% of employees coming from a HUBZone, eligible to receive

competitive and ‘sole source’ awards. www.sba.gov/hubzone

8(a) Business Development Program

8(a) Program Objectives

•  Promote business development among small business

concerns owned and controlled by socially and economically disadvantaged individuals.

•  To see if you qualify go to www.sba.gov/8abd

•  A small business •  US Citizen

•  51% owned and controlled by socially & economically

disadvantaged individuals who are of good character

•  Net worth below $250K (excludes the individual's equity in

the firm and in the primary residence)

•  In business at least 2 years (to demonstrate potential for

success)

 Socially Disadvantaged

U.S. Citizens presumed to be socially disadvantaged who have been subjected to prejudicial practices because of their identity as members of designated groups:

•  Black American

•  Asian American/Pacific Islander

•  Hispanic American – (includes Spanish & Portuguese descent).

•  Native American

Economically Disadvantag

ed

Those individuals socially disadvantaged and whose

prejudicial experiences have resulted in impairment

of access to capital, credit and markets.

•  Net Worth below $250K- (Average over 3 years)

•  Less equity in primary residence

Members of Non-Designated Groups

•  Rejection letters of Job applications •  Denials of credit applications

•  Rejection of contract offers, i.e. Bids Abstracts or

Solicitations

•  Personnel Records •  Payroll Records

MUST ESTABLISH SOCIAL DISADVANTAGE ON THE BASIS OF THE

Application Process for the 8(a) Program

8(a) firms are encouraged to use the electronic application

on the SBA website and submit via internet.

• Go to http://www.sba8a.symplicity.com/applicants/guide/ to get step by step instructions on how to apply

• 8(a) Application User Guide

• Obtain a GLS log-in and password to access the electronic application

HUBZone Empowerment Contracting Program

The HUBZone Empowerment Contracting program was enacted into law as part of the Small Business

Reauthorization Act of 1997.

•  The program encourages economic development in historically underutilized business zones -

"HUBZone" - through the establishment of preferences. •  Designed to promote economic development and

employment growth in distressed areas by providing

HUBZone Empowerment Contracting Program

A "HUBZone" is an area that is located in one or more of the following:

•  A qualified census tract

•  A qualified "non-metropolitan county.

•  Lands within the boundaries of federally recognized Indian

HUBZone Program How the Program Works

The (SBA) regulates and implements the program and

determines which businesses are eligible to receive HUBZone contracts and;

•  Maintains a listing of qualified HUBZone small businesses that Federal agencies can use to locate vendors

•  Adjudicates protests of eligibility to receive HUBZone contracts.

•  Reports to the Congress on the program's impact on employment and investment in HUBZone areas.

HUBZone Eligibility Requirements

A small business must meet all of the following criteria to qualify for the HUBZone program:

•  It must be located in a "historically underutilized business zone" or

HUBZone.

•  It must be owned and controlled by one or more US Citizens, and at least

35% of its employees must reside in a HUBZone.

•  Go to http://www.sba.gov/hubzone to determine if your business and

HUBZone Awards

A competitive HUBZone contract

• 

Can be awarded if the contracting officer has a

reasonable expectation that at least two qualified

HUBZone small businesses will submit offers

HUBZone Awards – Cont’d

A sole source HUBZone contract

• Can be awarded if the contracting officer does not have a

reasonable expectation that two or more qualified HUBZone

small businesses will submit offers

• The government estimate cannot exceed $5.5 million for

manufacturing requirements or $3.5 million for all other requirements.

• Determines that the contract can be awarded at a fair price.

Application Process for Federal HUBZone

electronic application on the HUBZone website and submit via internet.

•  Go to http://www.sba.gov/hubzone/ to access the electronic application

•  Features include electronic verification of submission

of application

•  View online sample application •  View online application guide

Women Owned Small Business Federal

Contract Certification Program

•  Provides Equal Access to Federal Contracting

Opportunities

•  For Women Owned Small Business (WOSB)

•  Foe Economically Disadvantaged Women Owned Small

Businesses (EDWOSB)

•  Allows Contracting Officers to “Set Aside” specific

contracts for WOSB’_{s and EDWOSB}’_s

•  Effective February 4, 2011

•  http://www.sba.gov/sites/default/files/

Women-Owned Small Business (WOSB) Federal Contracting Program

On December 21, 2000, Congress enacted the Small Business Reauthorization Act of 2000. Public Law 106-554. Section 811 of that Act added a new section 8(m), 15 U.S.C. 637(m) which;

Authorizes Federal contracting officers to restrict competition to eligible Women-Owned Small Businesses (WOSBs) or Economically Disadvantaged Women- Owned Small Business (EDWOSBs) for

Federal contracts in certain industries.

WOSB/EDWOSB and SBA

The Small Business Administration (SBA) is charged with implementing and administering the program.

•  SBA publishes regulations that provide the

framework for the program

•  Conducts eligibility examinations of WOSB and

EDWOSBs

•  Decides protests and conducts studies to determine

WOSB Contracting Program Eligibility Requirements

• To qualify as a WOSB, a concern must be: a small business not less than 51 percent unconditionally and directly owned and controlled by one or more women who are United States citizens.

• To qualify as an EDWOSB An eligible business must be not less than 51 percent owned by one or more women who are “_{economically disadvantaged” (i.e. an EDWOSB).}

• Economically Disadvantaged WOSB means:

•  Net Worth below $750,000

•  Income not exceeding $350,000

In order to restrict or set-aside contracts for WOSBs or EDWOSBs;

•  The contract award price must not exceed $5 million in

the case of manufacturing contracts

•  $3 million in the case of all other contracts

•  The contract can be awarded at a fair and reasonable

price

WOSB Certification Process

•  (1) be certified by a Federal agency, a State

government, or a national certifying entity approved by the Administrator, as a small business concern owned and controlled by one or more women (referred to as a Third Party Certifier); or,

•  (2) certify to the contracting officer that it is a small business concern owned and controlled by women and provide adequate documentation, in accordance with standards established by SBA, to support such

Women-Owned Small Business (WOSB) Federal Contracting Program

On December 21, 2000, Congress enacted the Small

Business Reauthorization Act of 2000. Public Law 106-554. Section 811 of that Act added a new section 8(m), 15 U.S.C. 637(m) which;

Authorizes Federal contracting officers to restrict competition

to eligible Women-Owned Small Businesses (WOSBs) or Economically Disadvantaged Women-Owned Small Business

(EDWOSBs) for Federal contracts in certain industries.

WOSB Contracting Program Set Asides

EDWOSB

•  In Underrepresented NAICS Codes (216 NAICS* Codes)

WOSB

•  In Substantially Underrepresented NAICS* Codes (157

NAICS Codes)

•  Codes are available at www.sba.gov/wosb

WOSB Self Certification Process

•  WOSBs and EDWOSBs must self-certify their status in the System for Award Management (SAM) formally

Central Contractor Registration (CCR) at www.sam.gov as

other small businesses do.

•  WOSBs and EDWOSBs must also submit documents to the WOSB Program Repository located at

Service Disabled Veteran

Small Business Concern Program

On December 16, 2003, the Veterans Benefits Act of 2003 (Public Law 108-183) was passed by Congress.

•  Section 308 of the Act (Public Law 108-183) established

a procurement program for Service-Disabled

Veteran-Owned Small Business Concerns (SDVOSBC). •  This procurement program provides that federal

contracting officers may restrict competition to

SDVOSBCs and award a sole source or set-aside contract where certain criteria are met.

Service Disabled Veteran

Small Business Concern Program

Eligibility

In order to be eligible for the SDVOSBC, you and your business must meet the following criteria:

The Service Disabled Veteran (SDV) must have a

service-connected disability that has been determined by the

Department of Veterans Affairs or Department of Defense The SDVOSBC must be small under the North American Industry Classification System (NAICS) code assigned to the procurement

Service Disabled Veteran

Small Business Concern Program

Eligibility Cont…

• The SDV must unconditionally own 51% of the

SDVOSBC

• The SDVO must control the management and daily

operations of the SDVOSBC*

• The SDV must hold the highest officer position in the

SDVOSBC*

*or, in the case of a service-disabled veteran with permanent and severe disability, the spouse of permanent caregiver of such veteran

VA SDVOSB/VOSB

Set-aside and Sole Source Contracts

•  Public Law (P.L.) 109-461- "Veterans Benefits, Health Care, and

Information Technology Act of 2006" provides the Department of

Veterans Affairs (VA) with unique authority for contracting with service-disabled Veteran-owned (SDVOSB) and Veteran- owned small businesses (VOSB).

•  Places VA’s highest priority with SDVOB followed by VOSB.

These are followed by 8(a), HUBZone, Woman-owned small business, then all other small businesses.

•  VA refers to this program as the Veterans First Contracting

VA SDVOSB Certification www.Vetbiz.gov

In order to qualify for participation in the VA Veterans First

Contracting Program;

•  Eligible business owners must first be verified in the VA’s Vendor

Information Page-(VIP).

•  The application form (VA Form 0877) and supporting documents is

submitted to CVE.

•  VA has 90 days, when practicable, after receipt of both an application

and supporting business records.

•  Eligible to subcontract with VA’s large prime contractors.

•  Eligible to participate in VA’s Veteran-owned small business

SDVOSBC

Sole Source Awards

•  If the requirement is not exempted from SDVOSBC contracting and

cannot be set-aside.

•  The CO does not have a reasonable expectation that at least two

responsible SDVO SBCs will submit offers.

•  The anticipated award price of the contract, including options, will not

exceed:

•  $5.0M for manufacturing requirements

•  $3.0M for all other requirements

System for Award Management (SAM)

The FIRST STEP to register your business to participate in any federal government contracting program is to:

REGISTER in SAM

•  As part of the registration process, you will be required to

enter information about your company

•  In SAM, you may self-certify yourself as a small business

•  SAM provides links to federal agencies and procurement

opportunities

•  Must have a Dun and Bradstreet number to register in the System for Award Management (SAM) at www.sam.gov

•  Must register in SAM (replaces Central Contractor Registration (CCR) (Effective 29 July 2012)

•  It is recommended that you take the online training on SBA Certification Programs prior to applying available at:

http://www.sba.gov/training/courses.html

Register to do Business with the Federal Government

Before you Register in SAM

•  Obtain the SAM registration instructions and forms at

https://www.sam.gov/sam/

•  Get your federal tax identification number EIN/TIN at

www.irs.gov/smallbiz

•  Identify your North American Classification Codes (6

digit) (at least one is required)

www.census.gov/epcd/naics07

•  Get a Duns Number at http://fedgov.dnd.com/webform

SBA Online Assistance

•  www.sba.gov – Main SBA Website

•  www.sba.gov/southflorida - South Florida District Website •  www.sba.gov/GC – Government Contracting: Site includes

links to all major government contracting programs •  www.sba.gov/vets - Veteran Website

•  http://www.sba.gov/onlinewbc/index.html – Online Women’s Business Centers

Other Helpful Web Sites

•  DOD Small & Disadvantaged Business Utilization Office

www.acq.osd.mil/sadbu/

•  Small Business Development Centers

http://www.sba.gov/sbdc/

•  Procurement Technical Assistance Centers (PTAC) www.dla.mil/db/procurem.htm

•  Find a Procurement Center Representative

Other  SBA  Ini;a;ves

•  Affordable Care Act

http://www.sba.gov/healthcare

•  Encore Entrepreneurs

http://www.sba.gov/encore

•  National Export Initiative

http://www.sba.gov/about-offices-content/1/2889 http://www.export.gov

Affordable  Care  Act    Small  Business  Resources  

SBA  Programs  for  Veterans    

•  Entrepreneurship Boot camp for Veterans with Disabilities

http://apps.whitman.syr.edu/ebv/

•  Entrepreneurship Boot Camp for Families of Veterans with Disabilities

http://apps.whitman.syr.edu/ebv/programs/families/

•  Operation Endure and Grow – For National Guard and Reservists

http://apps.whitman.syr.edu/endureandgrow/

•  VWISE – For Women Veterans

http://apps.whitman.syr.edu/vwise/

Boots to Business – For Transitioning Veterans in TAP DOD Installations

U.S. Small Business Administration

SBA Programs and Services

Robert Chavarria

Senior Area Manager South Florida District

(813) 228-2100 ext 24

[email protected]

Serving  Charlo.e,  DeSoto,  Hardee,  Hillsborough,  Manatee,  Pasco,      Pinellas,  Polk,  and  Sarasota  Coun;es