Besides the programs discussed
above, each community, county, and state has a variety of other resources
that may be tapped to assist with business development and retention
and with community economic development efforts. These resources include
local libraries, chambers of commerce, industry and trade associations,
manufacturers or suppliers of products and services, and the resources
listed below. This section is not exhaustive, but provides examples
of what may be available for the people you assist with achieving self-employment
and to your agency. In addition, this section contains just a small
sampling of helpful books and worldwide
web pages. Again, these are provided to assist as a springboard
for discovering other available resources. Let
your fingers do the walking!
Business Development Directories
Most states or regions within a state publish statewide or regional
directories. They may have different titles but look for something similar
to the Montana Business Assistance & Community Development Resource
Directory or the Business Resource Directory: A Practical Guide to Financing
and Business Development Services in Southwestern Pennsylvania. Generally
they provide program descriptions so individuals can locate the services
or organizations that can address their specific question or need.
For example, the Montana directory contains an index of agencies, organizations,
and programs; then divides the programs into finance and tax incentive
programs, technical assistance programs, industry and government associations,
and local office listings for statewide and regional programs. Then
local resources are provided. First is an alphabetical list of organizations
by name followed by the resources that are available in each county.
Brief descriptions of each program are provided.
The Southwestern Pennsylvania Directory is organized so business
owners searching for a particular service or financing tool can find
what they need by referring to a business resource matrix. This is followed
by program descriptions.
Some of the resources listed for the Pittsburgh area in the Southwestern
Pennsylvania Directory include:
- Pittsburgh Vision Services Business
- Enterprise Venture
- Ben Franklin Technology Center
- University of Pittsburgh-SBDC
- Duquesne University-SBDC
- SCORE (local chapter)
- Allegheny County MBE/WBE Certification Program
- Small Business Administration
- Urban Redevelopment Authority of Pittsburgh
- Minority Enterprise Corporation of Southwestern PA
- Minority Business Administration, City of Pittsburgh
- Community Loan Fund of Southwestern PA
Programs or Organizations Specifically for Persons With a Disability
There are programs across the United States that specifically serve
individuals with disabilities or have programs within their agency or
organization that are dedicated to individuals with disabilities who
are considering business ownership. These programs can serve as model
programs and provide technical assistance to you or your agency. They
BOLD Consulting Project (Businesspeople Overcoming
Limitations from Disabilities)
Alice Weiss Doyel
12136 W. Bayaud Avenue, Suite 100
Lakewood, Colorado 80228-2115
BOLD Consulting Group provides resources, consulting services, and training
for organizations that want to start, modify or expand entrepreneurship
programs for people with disabilities; works with government and non-profit
organizations on the development and management of entrepreneurship
programs for people with disabilities; is dedicated to providing persons
with disabilities the opportunity to explore entrepreneurship as an
Disabled Businesspersons Association
San Diego State University, Interwork Institute
5850 Hardy Avenue, Suite 112
San Diego, CA 92182-5313
The Disabled Businesspersons Association (DBA) is a national 501(C)(3)
nonprofit, public charity and educational organization founded in 1991
to help disabled entrepreneurs and professionals maximize their potential
in the business world, and to encourage the participation and enhance
the performance of the disabled in the workforce.
Iowa's Entrepreneurs with Disabilities Program
101 E. Van Buren
Centerville, IA 52544
Iowa’s Entrepreneurs with Disabilities Program can provide information
on enabling legislation, administrative rules, and program materials
available to state government organizations.
Partnership Development Group
1215 Annapolis Road, Suite 202
Odenton, MD 21113
Partnership Development Group is a national consulting firm that focuses
on self-employment for persons with disabilities. Services include program
planning and design, regional and local market analysis, entrepreneurship
training, staff development, client tracking and evaluation.
Rural Institute on Disabilities
Room 52 Corbin Hall
The University of Montana
Missoula, MT 59812
The Research and Training Center on Rural Rehabilitation Services works
with vocational rehabilitation agencies and Independent Living Centers
to promote the use of self-employment and economic development activities
within those programs. As a result of research it has developed a model
state VR policy, implementing procedures, and a counselor curriculum.
The Small Business and Self-Employment Service
Job Accommodation Network
P.O. Box 6080
Morgantown, WV 26506-6080
The Small Business and Self-Employment Service (SBES) is a service of
the U.S. Department of Labor’s Office of Disability Employment Policy.
SBES provides comprehensive information, counseling, and referrals about
self-employment and small business ownership for people with disabilities.
Many books on starting a business or on developing a business plan
are available at bookstores and libraries. The following lists just
a few of those books.
- On Your Own: A Woman’s Guide to Building a Business (2nd Ed),
Laurie B. Zuckerman, Upstart Publishing, Inc.
- The Business Planning Guide (6th Ed), Book & Software.
David H. Bangs, Upstart Publishing, Inc.
- Anatomy of a Business Plan (3rd Ed) Linda Pinson &
Jerry Jinnett, Upstart Publishing, Inc.
- How to Really Create a Successful Business Plan: Step-by-Step
Guide (3rd Ed), David E. Gumpert, Inc. Publishing.
- Directory of U.S. Microenterprise Programs published by
the Self-Employment Learning Project of the Aspen Institute, 133 New
Hampshire Avenue, NW, Suite 1070, Washington, D.C.
- Business Plans for Dummies: A Reference for the Rest of Us,
Paul Tiffany & Steven D. Peterson, IDG Books Worldwide.
- Government Giveaways for Entrepreneurs II (4th Ed), Matthew
Lesko, Information U.S.A.
- Starting and Operating a Business in (State): A Step-by-Step
Guide, PSI Research, The Oasis Press/PSI Research, Grants Pass,
- The Best Home Businesses for the 21st Century: The Inside Information
You Need to Know to Select a Home-Based Business That’s Right for
You, Paul and Sarah Edwards, Penguin Putnam, Inc.
- The Perfect Business, Michael LeBoeuf, A Fireside Book
Published by Simon & Schuster.
- No More Job Interviews! Self-Employment Strategies for People
with Disabilities, Alice Weiss Doyel, Training Resource Network,
Inc., St. Augustine, Florida.
Small Business Resources
Canada/British Columbia Business Service Society
Hosted by the BC government, this site is full of practical advice,
exploring tips on small business opportunities, and how to become an
999 Lake Drive
Issaquah, WA 98027
Costco publishes Costco Connection, a lifestyle magazine for small businesses.
Internal Revenue Service
Visit the IRS web site or call 800.829.3676 for information on a variety
of products developed for small business/self-employed.
Service Corps of Retired Executives
409 3rd Street, SW, 6th Floor
Washington, DC 20204
The Service Corps of Retired Executives (SCORE) is a resource partner
with the U.S. Small Business Administration. SCORE is dedicated to aiding
in the formation, growth, and success of small business nationwide.
Small Business Administration
409 3rd Street SW
Washington, DC 20416
SBA offers training, advocacy, and loan guarantees for small firms in
every state and works with thousands of lending, educational, and training
Online Women's Business Center
The Center promotes the growth of women-owned businesses. There is a
women's business ownership representative in every Small Business Administration
There are programs that evaluate inventions. For example, many states
have a center located at a University that evaluates an invention’s
One such program is the Wisconsin Innovation Service Center,
at the University of Wisconsin, Whitewater. It conducts market and technical
feasibility assessments of new product ideas. WISC offers an affordable
way for inventors and entrepreneurs to have their ideas evaluated and
get enough information to make well-informed decisions on the further
development of their products. To order more information about the Wisconsin
Innovation Service Center, contact them at 262.472.1365, 402 McCutchen
Hall, Whitewater, WI 53190, or on the worldwide web at http://academics.uww.edu/business/innovate/innovate.html.
Another program is conducted by the Inventions & Innovation
Program (I&I), U.S. Department of Energy. The Inventions
and Innovation Program provides financial assistance and technical support
to inventors and businesses for promising energy-saving concepts and
technologies. I&I selects technologies to receive grants through
a competitive process. To learn more visit http://www.eere.energy.gov/inventions/.
Colleges and Universities
Many colleges, community colleges, and universities house programs that
assist prospective or current business owners with business development
activities. For example, many business schools conduct classes where the
students work with a business owner to conduct market analyses, feasibility
studies, or to develop business plans, or will assist a business with
similar activities once it is operating. Business school interns also
are a possible resource to assist with business development. Small Business
Development Centers are aligned with units of higher education. Many schools
house business assistance centers such as Montana Business Connections,
which is located at the University of Montana or technology assistance
centers such as the Wisconsin Innovation Service Center, discussed under
the invention/innovation assistance section above.
How to Open a Franchise Business, Mike Powers, Avon
The Franchise Doctor
State Franchise Information Guidelines
Although all franchises are subject to the Federal Trade Commission
regulations, many states have additional laws governing franchises and
similar business opportunities. This site provides state-by-state information
on state franchise and business opportunity statutes; laws affecting
franchise transfers, renewals, and terminations; state franchise law
enforcement offices; and state advertising filings and review procedures.
This web site lists Entrepreneur Magazine’s top 500 franchise rankings.
Only franchise companies that submitted complete U.S. Uniform Franchise
Offering Circulars (UFOCs) or Alberta, Canada disclosure documents and
whose information Entrepreneur verified from the disclosure documents
were eligible to receive a listing in the magazine and online database.
FranInfo’s purpose is to provide as much information regarding all aspects
of franchising as it can within certain limits that constrain all commercial
endeavors. Its site alphabetically lists telephone numbers of the most
frequently asked about franchises and a page of “Outstanding Franchises
United States Postal Inspection Service: Distributorship and
Lists some things to watch out for when investigating a franchise opportunity.
The Franchise Handbook On-Line
Enterprise Magazines, Inc. franchise page. Among other features contains
lists of featured franchises, a directory of franchise opportunities,
the latest news about the franchise industry, articles on franchising,
list of worldwide franchise associations, and links to franchise information
on the web.
African American Resources
African-American Web Connection
This site provides a doorway to “Afrocentric” web resources.
Black Business Connection
Wright Side Up, Inc.
405 Tarrytown Road, Room 376
White Plains, NY 10607
Wright Side Up Inc. is an online marketing and publishing firm based
in Westchester County, New York. It helps small businesses and independent
consultants gain exposure and market their product/services effectively
for very little cost. The web site, BlackBusinessSM, is the main vehicle
through which they accomplish this goal. They do in-house graphics/layout
work and offer these services to other businesses. They firmly believe
in the entrepreneurial spirit and support those in realizing the American
Dream. If you have any suggestions for this web site, contact them.
98 San Jacinto Boulevard, Suite 1150
Austin, TX 78701
HISPANIC Magazine’s web site highlights articles from back issues and
provides links to other Hispanic web sites.
7654 Coral Way
Dublin, CA 94568
510.828/7350 ext. 3
This site provides a one-stop information services for small businesses,
professionals, and students in California and worldwide.
The Latino Economic Development Corporation, Inc.
2316 18th Street NW
Washington, DC 20009-1815
Helps low income Latinos obtain housing by using government funds and
directs Latinos to nonprofit organizations that procure funds for business
United States Hispanic Chamber of Commerce
2175 K Street NW, Suite 100
Washington, D.C. 20037
The U.S. Hispanic Chamber of Commerce advocates, promotes, and facilitate
the success of Hispanic businesses.
Native American Resources
American Indian Chambers of Commerce
Use a search engine (like Google) to search for American Indian Chambers
Oklahoma Native American Business Development Center
616 S. Boston Ave., Suite 304
Tulsa, OK 74115
Provides free business start-up, financial management, financial analysis,
marketing management, business plans, and procurement assistance for
Tribal Credit Programs
Some tribes have initiated credit programs to serve members. In many
instances, interest rates are very attractive and offer an alternative
funding source for persons seeking to start their own business
Bureau of Indian Affairs
The Indian Financing Act of 1974 provides guaranteed loans, direct loans,
and grants to tribes, tribal members, and Indian organizations for establishing,
expanding, or purchasing a business on or near a reservation when financing
is not available from normal sources. Programs include:
- Guaranteed Loan Program
These are loans made by private lenders, usually commercial
banks, on which payment is guaranteed for up to 90% of the unpaid
interest and principal balance in event of default by the borrower.
The purpose of the guarantee is to assist the borrower in obtaining
loans from private lenders by providing additional collateral needed
to secure the loan.
- U.S. Direct Loans -
Direct loans are made directly from the U.S. government through the
Bureau of Indian Affairs. Direct loans are made under the following
criteria: Applicants must demonstrate they are unable to obtain funds
from other sources, including the BIA loan guaranty or grant programs;
the maximum amount is $350,000 for individuals; and the applicant
must have equity equal to 20% of the total cost of the business to
Chapter 7 Study Guide: Resources and Resource Partners
- The Small Business Administration loans money to small businesses.
- The Small Business Administration is one of the ___________ sources
of assistance and funding available to small businesses.
- Counselors should visit the local SBA office to determine it’s
and the ___________ a consumer would need to use its services.
- There are many grants available for people with disabilities to
start a business.
- For people with disabilities, family and friends most often are
the people who provide financing for a start-up business.
- A woman or a minority individual with a disability may be given
special consideration for loans because of being a woman or a minority.
- When seeking a business loan, the business owner should be prepared
to _____________ any of the lender’s questions and defend all assertions.
- VR funds can be used to leverage funds from other sources. These
funds may count towards the 10-33% equity some lenders require.
- It is appropriate for a VR counselor to participate in the loan
interview. The counselor can advocate for and provide support by explaining
accommodations for or providing information about a disability.
- List and explain two sources of assistance for minority entrepreneurs.
Study Guide Answers: Chapter
7 - Resources
© July 1998, 1st Revision June 1999, 2nd Revision February 2001