GREATER MADISON WWBIC PROGRAM GUIDE January - June 2019 wwbic.com l - June ...
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GREATER MADISON
WWBIC PROGRAM GUIDE
January - June 2019
wwbic.com l 608.257.5450
WWBIC
Education • Lending • Coaching
Entrepreneurship
Financial Impact
Entrepreneurship
• Education
• Lending
• Coaching
Financial Impact
MILWAUKEE | WAUKESHA | MADISON | RACINE | KENOSHA | APPLETON | STATEWIDE
WHO WE ARE: WWBIC is a leading innovative statewide economic development
corporation that is “Putting Dreams to Work.” We open the doors of opportunity by
providing targeted individuals who are interested in starting, strengthening or expanding
businesses with access to critical resources such as responsible financial products and
quality business and financial education. Services are open to anyone but our focus is
women, minorities, veterans and people of lower wealth – those most likely to face
barriers in accessing financing or educational support.
WHO WE ASSIST: Women and Men throughout Wisconsin | Start-up businesses &
Growing businesses
KEY PEOPLE: Wendy K. Baumann, WWBIC President/CVO | Jon Gaines, Vice President
Business Services & Finance | Julann Jatczak, Vice President Impact Initiatives
CERTIFICATIONS:
WWBIC was established in 1987 as a 501(c)(3) tax exempt non-profit corporation
U.S. Department of Treasury, Community Development Financial Institution (CDFI)
U.S. Small Business Administration Women's Business Center,
Micro Loan Program Intermediary & Community Advantage Program Lender
Veteran Business Outeach Center (VBOC)
STATEWIDE OFFICES:
GREATER MILWAUKEE SOUTH CENTRAL: SOUTHEAST: NORTHEAST:
& WAUKESHA
1533 N. RiverCenter Drive 2300 S. Park Street, Ste. 103 600 52nd Street, Ste. 130 1191 N. Casaloma Drive
Milwaukee, WI 53212 Madison, WI 53713 Kenosha, WI 53140 Appleton, WI 54913
Phone: 414.263.5450 Phone: 608.257.5450 Phone: 262.925.2850 Phone: 920.944.2700
245 Main Street, Ste. 102
Racine, WI 53403
Phone: 262.898.5000
classes anytime, anywhere
Can’t make it to class? No problem! WWBIC classes and workshops are available ‘on-demand.’ See a class you’d like to
take? Simply call 414.263.5450 and request a class ‘on-demand.’
your dream your growth
• What Can WWBIC Do For You? • High Impact Marketing
• Be Your Own Boss • Obtaining & Understanding Government
• WWBIC Loan Process: A-Z Contracts
• Building a Feasible Business Plan
• How to Start A Food Business
your foundation financial capability
• Minority & Women’s Business Certification • Budgeting: Making Every Penny Count
Discussion • Credit Crash Course
• Smart Pricing For Your Business • Payday Loan & Predatory Lending
• Google: Are You Being Found?
1
small business loan program
Micro Business, Macro Impact
WWBIC offers Wisconsin small business owners loans ranging from $1,000 to $250,000. Loan funds may be
used for start-up capital, inventory and equipment, business expansion, working capital and business support.
All borrowers receive one-on-one small business coaching from our team of small business consultants.
To apply, complete the application online at www.wwbic.com/loans
small business consulting program
Coaching. Capital. Collaboration.
We are proud of the way we sustain relationships
with our clients. Our Small Business Consultants and
professional volunteers provide ongoing support to
WWBIC loan clients. In-depth business assistance for
WWBIC borrowers ensures that business owners
have access to the tools and skills they need to grow
profitable and sustainable businesses.
Throughout the term of a loan we provide:
• Annual site visits & one-on-one coaching
• Promotional & networking opportunities
• Resource referral network
• 24/7 access to WWBIC’s Initiate Portal, an
online business resource with over 100 tools,
videos and guides
Our clients’ success is important to us and our Small
Business Consultants are here to assist and build a
relationship that truly benefits your business!
kiva crowdfunded microloan program
Crowdfunded • Microbusiness Loans • 0% Interest • Up to $10,000
Join the crowd. Kiva believes in character over credit and the power of
community-based lending. Kiva provides funding opportunities for
entrepreneurs where conventional lenders won’t.
Connect/Refer: Amy Narr, Kiva Advisor | amy.narr@wwbic.com
For more information visit: kiva.org
2
business education programs
WHAT CAN WWBIC DO FOR YOU?
your dream May 1st 6-7:30pm
Learn about WWBIC’s services, including business education
ONLINE
BUSINESS PLANNING FOR SUCCESS courses and business loans. You will be introduced to the
January 23rd 5:30-7:30pm Madison College range of services and support offered by WWBIC. NO FEE
April 9 th
6-8pm WWBIC MISSION BIZ: WHAT YOU NEED TO KNOW
March 28th 6-7:30pm ONLINE May 6th 6-7:30pm ONLINE
May 7th 6-8pm B Virtual Discover whether becoming an entrepreneur is for you. You
June 5th 12-1pm ONLINE will learn: if entrepreneurship is for you and where to start!
NO FEE
Developing your business plan is a critical tool for
your foundation
communication with potential funders and as a guide to
manage business growth. You will learn: what goes into a
business plan, what’s important and tools to get you started.
NO FEE FINANCE YOUR BUSINESS WITH KIVA
February 19th 6-7:30pm WWBIC
START SMART
Option 1 Explore new and creative methods for funding your business.
February 6th 6-9pm WWBIC Find out how Kiva and WWBIC work together to provide
Class meets on Wednesdays: Feb 6th - Apr 10th funding for your business. NO FEE
Option 2 DEVELOP A FIRST YEAR MARKETING PLAN
May 1st 6-9pm WWBIC February 20th 6:30-8:30pm WWBIC
Class meets on Wednesdays: May 1st - June 19th
Developing a marketing plan for your small business will
In 8 classes you will hone the skills needed to create, prove to be as beneficial as your business plan. You will
manage and grow a small business. You will learn: the learn: how to develop a message that speaks to your target
feasibility of your business idea, listen to expert guest market and what platforms are best suited to reach your
speakers, and develop a complete business plan. target. FEE: $15
FEE: $275* [Deposit Required]
MINORITY & WOMEN’S BUSINESS
THINKING OF STARTING A BUSINESS? CERTIFICATION
February 21st 1-3pm Sauk County Job Center March 7th 12-1pm ONLINE
April 3 rd
9:30am-12pm Dane County Job Center Acquiring state or national certification can open doors for
May 16 th
1-3pm Sauk County Job Center small business owners. You will learn: if certification is right
for you, how to complete the application process, and how
June 5 th
9:30am-12pm Dane County Job Center to use the certification to grow your business. NO FEE
Discover whether becoming an entrepreneur is for you. You
will learn: how to assess and research your business idea SETTING UP AN LLC
and receive other tips and useful resources. NO FEE March 16th 9:30-11:30am WWBIC
*Partial scholarships may be available for select classes. Selecting the type of legal structure for your company can be
Call for additional information. complicated. This class goes in-depth on the Limited Liability
Company (LLC) structure. Find out if this structure is right
for your business and the steps to take to become a legal
register: wwbic.com/classes or 608.257.5450 business entity. FEE: $15
Reasonable accommodations for persons with disabilities will be made upon request, with at least two weeks notice. Please contact WWBIC for arrangements.
Through a U.S. Small Business Administration (SBA) cooperative agreement, WWBIC is partially funded by the SBA. SBA’s funding is not an endorsement of
3 any products, opinions or services. SBA funded programs are extended to the public in a nondiscriminatory basis.
INSURANCE FOR YOUR BUSINESS
May 14th 6:30-8pm WWBIC
Protect your business with the correct type of insurance.
You will learn: why you need insurance, what it covers,
and examine the different types needed to protect your
investment. In partnership with Madison Black Chamber of An initiative of WWBIC
Commerce. NO FEE
STRONG WOMEN, STRONG COFFEE
your growth
Fueled by caffeine and passion, this FREE networking
event is for women focused on achieving something fresh
for their businesses and themselves. This event encourages
HOW TO PARTNER WITH YOUR business professionals and entrepreneurs to build and
ACCOUNTANT: AT TAX TIME AND BEYOND grow meaningful connections. Each event features a local
January 26th 9:30-11:30am WWBIC strong woman!
Develop a system to save on taxes, avoid penalties and March 21st 7:30-9am Common Ground
create a true picture of your business finances. Learn how to Sponsor: Organic Payoll
interpret financial statements, select a system to track your
financial activities, as well as accounting and tax rules for June 4th 7:30-9am WWBIC
common business expenses. FEE: $15 Sponsor: Park Bank
THE BUILD OUT PROCESS 101 These events are sponsored by WWBIC's social enterprise,
February 26th 6:30-8:30pm FGS Restoration Company Coffee With A Conscience®.
Managing the build out process for your business is a
challenging process. Find out how you can save money, time
and headaches. You will learn how to: negotiate the build
out in the terms of the lease, prepare for hidden costs, work
with the contractor to create a true estimate of costs. NO
FEE
OPTIMIZING BUSINESS GROWTH: STRATEGIES
TO INCREASE SALES
April 3rd 6-8:30pm WWBIC
This session focuses on a process to increase the lifetime
value of your customer. Learn several new strategies to
increase both your average sales as well as the number of
transactions per customer. FEE: $15
IMPORT/EXPORT 101
June 20th 6-8pm StartingBlock
SWSCth- Deanna Singh
Explore the world of international trade. This class will
July 17 , 2018
provide an overview of the import and export process. Get
an introduction to compliance, export grants, shipping terms, SMALL BUSINESS EXPO
tax issues, and market assessments. Explore resources and
how to find partners in the journey to world commerce. June 25th 4-7pm WWBIC
NO FEE This expo is for small businesses and for people who like
to explore new items in the market place. Experience
THE POWER OF QUICKBOOKS the opportunity to sell your products and services at this
January 19th 10am-3pm WWBIC expo. Test market a new product or highlight a consumer
favorite. Come to explore the emerging businesses in
QuickBooks is a powerful bookkeeping software for Dane County. NO FEE
small businesses. Topics covered include: bank account
connections and/or importing statements, reconciling, For more information contact Buy Dane Local
generating profit and loss reports and balance sheet, colin@danebuylocal.com
invoicing, customer statements, recording sales, and Produced in partnership with Buy Dane Local, Plato
depositing payments and much more. FEE: $85* Commercial Real Estate and the City of Madison.
*Partial scholarships may be available for select classes. LOOKING FOR MORE? View our complete
Call for additional information. calendar of classes & events at wwbic.com/classes
4
financial capability programs:
All WWBIC financial capability programs are FREE to attendees.
SPENDING PLANS: MAKE EVERY PENNY ESTATE PLANNING - BE PREPARED!
COUNT April 24th 7-8:30pm Verona Library
February 26th 6-7:30pm WWBIC Get your will and other legal documents in order.
Let’s explore budgeting made simple and how to manage Everyone should consider estate planning! You will learn
your household spending plan if your budget doesn’t the key considerations of estate planning; wills, power of
balance. attorney, living trusts, guardianship and much more.
en español
NO CREDIT, NO PROBLEM: UNDERSTANDING
AND BUILDING CREDIT
April 4th 6-7:30pm WWBIC
If you’ve had credit challenges in the past, it won’t take COMO REPARAR SU CRÉDITO
BECOME A WISCONSIN SAVER!
the rest of your life to recover. Join us to learn practices 2 de abril 6-8pm WWBIC
with the most impact on your credit score and how you ¡Existen herramientas que lo ayudan a obtener crédito!
can take control. Venga a descubrir el valor de por vida que otorga una
buena calificación crediticia y cómo controlarlo. ¿Qué hay
PROGRAM CANCELLATION/REFUND POLICY: en un informe de crédito? ¿Qué pasa si necesito disputar
A full refund is issued to program participants if WWBIC cancels información negativa? ¿Por cuánto tiempo me afectarán
a program for any reason. Otherwise all class material and fees are los errores?
non-refundable.
set a goal. make a plan. save automatically. take the pledge..
Wisconsin Saves is the local campaign of America Saves, a national movement looking to motivate, encourage and
support low-to-moderate income households to save money, reduce debt and build wealth. We use the principles of
behavioral economics and social marketing to change behavior and provide practical (and free) financial tools, advice and
resources to help more than 16,000 Wisconsin residents manage their money more effectively.
Building wealth starts when you set a goal and make a plan to reach that goal. Whatever goal you choose – whether it’s
buying a car, buying a house, or getting out from under your debts – Wisconsin Saves can help you learn about proven
savings strategies and get simple tips on the best ways to save.
Become a Wisconsin Saver: www.wisconsin-saves.org
A partnership of WWBIC
& UW-MadisonSBDC
clases en español: del sur central
tu sueño tu fundación
EL “COOKIE BILL”: HACIENDO POSTRES EN SU COMO MANTENER LOS LIBROS DE
HOGAR O USANDO UNA COCINA COMERCIAL CONTABILIDAD DEL NEGOCIO
17 de enero 5:30-7:30pm Centro Guadalupe Parte 1:
(Catholic Multi Cultural Center) 19 de enero 10am-12pm WWBIC
Esta clase cubre la nueva ley de WI llamada el Cookie Este taller se enfoca en los registros básico: qué materiales
Bill y el proceso de iniciar un negocio basado en postres se necesita, qué se mantienen, ¿cómo empezar, la forma de
y productos e repostería, que incluye cómo y dónde se llevar un registro de las pérdidas y ganancias, condiciones
debe manejar y comercializar su producto, a los permisos financieras y definiciones. GRATIS
y licencias requeridos para hacerlo. Únase a nosotros para Parte 2:
aprender cómo la ley Cookie Bill puede hacer crecer su 26 de enero 10am-12pm WWBIC
negocio, y cómo navegar localizando y utilizando cocinas Esta clase cubre: Cómo analizar los informes financieros para
comerciales. GRATIS tomar decisiones de negocio, Cómo revisar la declaración
de flujos de efectivo, estado de pérdidas y ganancias, y un
¿ESTÁ PREPARADO PARA ESTABLECER UN balance. GRATIS
NEGOCIO?
23 de enero 5:30-7pm Fitchburg Library PERFECCIONANDO SU DISCURSO PARA SU
NEGOCIO
13 de febrero 5-6:30pm Beaver Dam Library
23 de febrero 10am-12pm WWBIC
¿Está pensando en empezar un negocio? Decida si el mundo
Cuando se habla de tu negocio, ¡la confianza es la clave!
empresarial es para usted. Participantes podrán evaluar sus
Aprenderá: la importancia de un discurso de ascensor y
habilidades y preparación para ser dueños de un negocio
cómo crear y evaluar tu propio discurso. GRATIS
como también discutir las ventajas y desventajas en ser un
dueño de un negocio. GRATIS
SIENDO INCLUSIVO: AYUDANDO NUESTROS ¿BUSCANDO POR MAS? Vea nuestro calendario
EMPRESARIOS CON DISCAPACIDAD completo en wwbic.com/classes
21 de marzo 5:30-7:30pm Centro Guadalupe
(Catholic Multi Cultural Center)
Sabemos que la diversidad y la inclusión son vitales para
la salud y el crecimiento a largo plazo de una empresa.
La investigación es clara: diversas empresas superan
tu cremiento
QUICKBOOKS BASICO*
sustancialmente a sus pares no diversos. Aprenda a ser ese
12 de enero 10am-12pm WWBIC
negocio. En colaboración con Catholic Multicultural Center.
Aprenda como QuickBooks puede ayudarle a organizar sus
GRATIS
registros de negocios y estados financieros. Esta sesión de
entrenamiento práctico le enseñara los conceptos básicos
LAS ASEGURANZAS DEL HOGAR Y DE LOS
de cómo usar el programa para gestionar sus finanzas
NEGOCIOS
empresariales. GRATIS
6 de abril 10am-12pm WWBIC
Información sobre qué tipos de a seguranzas un empresario ¿ESTÁ LISTO PARA “PODCASTING”?
debería tener y sobre las reglas y leyes del estado de 15 de junio 10am-12pm WWBIC
Wisconsin con referencia al Worker’s Comp y los requisitos
Este taller es una introducción al “podcasting” de audio. El
de cumplimiento para el estado. GRATIS
“podcasting” le permite al participante en utilizar sus sistemas
de entretenimiento basados en la tecnología con planes de
mercadotécnico para su negocio. GRATIS
registrarse: 608.257.5450 o wwbic.com/classes 6
start or grow your business with the veterans outreach business center
Serving Wisconsin, Illinois and Minnesota
Please inquire about our lending and business education
programs for Veterans.
We are honored to be one of the U.S. Small Business
Administration's Veteran Business Outreach Centers
(VBOC) providing business development services in
Wisconsin, Illinois and Minnesota to men and women
who are:
• Active duty service members, including
Guard and Reserve
• Veterans
• Family members of the above
BOOTS TO BUSINESS
May 17th 9am-4pm WWBIC - Milwaukee
The session is open to active military personnel, veterans,
and connected families. Join us to explore business
ownership or other self-employment opportunities by
learning the key steps for evaluating business concepts and
providing foundational knowledge required to develop
a business plan. Participants are introduced to a broad
spectrum of entrepreneurial business concepts and the E F H Trucking
resources available to access start-up capital, technical Veteran Owned Business
assistance, contracting opportunities, and more. NO FEE
wwbic.com/veterans | 414.395.4566
VBOC at WWBIC is funded in part by a Cooperative Agreement with the U.S. Small Business Administration.
The Veterans Business Outreach Center (VBOC) Program is designed to provide entrepreneurial development services such as
7 business training, counseling, and resource partner referrals to transitioning service members, veterans, National Guard & Reserve
members, and military spouses interested in starting or growing a small business.
program
CLASES locations
EN ESPAÑOL
B Virtual FGS Restoration Verona Library
6501 Watts Rd. Company 500 Silent St.
Madison, WI 53711 4801 Tradewinds Pkwy. Verona, WI 53593
Madison, WI 53718
Beaver Dam Community WWBIC/Village on Park
Library Fitchburg Library 2300 S. Park St.
311 N. Spring St. 5530 Lacy Rd. Madison, WI 53713
Beaver Dam, WI 53916 Fitchburg, WI 53711
Catholic Multicultural Center Madison College -
(Centro Guadalupe) Truax Campus
1862 Beld St. 1701 Wright St.
Madison, WI 53713 Madison, Wisconsin 53704
Common Ground Sauk County Job Center
2644 Branch St. 505 Broadway St.
Middleton, WI 53562 Baraboo, WI 53913
Dane County Job StartingBlock
Center
1819 Aberg Ave.
Madison, WI 53704
821 E. Washington Ave.
Suite 200
Madison, WI 53703
register: wwbic.com/classes
or 608.257.5450
social enterprise: coffee with a conscience
Coffee With A Conscience® (CWAC) is driven by coffee, entrepreneurship, hope & opportunity. Our café provides the best
locally roasted, fair-trade coffee and products from local businesses across Wisconsin.
coffee
In purchasing green coffees from around the world, our roasters have
consistently recognized the value of buying fair trade and certified
organic coffees.
entrepreneurship ®
WWBIC has owned and managed Coffee With A Conscience for
over 20 years. WWBIC is committed to providing business education
and training to individuals seeking economic independence.
hope & opportunity
All available items are locally made in the state of Wisconsin.
®
A purchase at Coffee With A Conscience provides hope and
opportunity for Wisconsin businesses. W W BIC O w n ed & O per
at ed
coffeewithaconscience.net | 414.659.5365
Catering & Giftboxes available!
8
"WWBIC not only has given
me the funding I needed to
level up my business from
only providing events and
experiences to building
out a brick and mortar, it’s
provided me with a strong
supportive network of
people who I know believe
in me and want me to be
successful.
Sarah Artz, Owner
One-One Thousand
let's talk lending
Learn the ins-and-outs of the WWBIC loan program. Join our interactive roundtable discussion with a WWBIC loan
officer to learn more about what to expect when applying for a WWBIC business loan, what distinguishes WWBIC from
a traditional bank, our application process and the information you will need to prepare. This class assumes you are ready
to apply for a loan, have applied, are stuck in the process or don’t understand the Required Document List (RDL). Bring
your questions! PREREQUSITE: WWBIC Loan Process A-Z (a link will be provided once you register).
January 17th 12-1pm ONLINE April 11th 12-1pm ONLINE
February 27th 7-8am ONLINE May 8th 7-8am ONLINE
March 19th 6-7pm ONLINE June 3rd 6-7pm ONLINE
9Donors & Funding Sources
Special Thanks..
WWBIC receives generous support from a range of
financial institutions
Associated Bank
Bank of America
BMO Harris Bank
Byline Bank
faith-based organizations
First Unitarian Society of
Madison
Housing Ministries
North Shore Congregational
public & private organizations, including funders, service CIBC Church
delivery partners and volunteers. We thank all those who Community State Bank Religious Communities
have helped promote opportunity and hope by investing Educators Credit Union Investment Fund
First Bank Financial Centre School Sisters of Notre Dame
in our mission. First Citizens Bank Seton Enablement Fund
Huntington Bank Sinsinawa Dominicans
FUNDERS: Investors Community Bank Sisters of Charity of Nazareth
WWBIC receives funding from more than 100 different Johnson Bank Sisters of St. Dominic-Racine
sources. Our public sources include federal, state JPMorgan Chase Dominicans
Monona State Bank Wisconsin Council of Churches
and local government. Our private sources include
corporations and foundations, faith-based and
Northern Trust Bank
Old National Bank
organizations
America Saves
non-faith-based organizations, financial institutions, and Park Bank
Housing Authority of the
PNC Bank
individuals. PyraMax Bank
City of Milwaukee (HACM)
King Drive BID
State Bank of Cross Plains
SERVICE DELIVERY PARTNERS: Local Initiatives Support
Summit Credit Union
Corporation (LISC)
WWBIC works closely with many other agencies, Town Bank
Milwaukee 7 Regional
Tri-City National Bank
organizations and individuals to deliver services. Our U.S. Bank Foundation
Economic Development
partners include educational institutions, businesses and Partnership
UW Credit Union
Milwaukee Economic
corporations, community groups, public libraries, and a Waterstone Bank
Development Corporation
Wells Fargo Bank
range of other local service providers. Milwaukee Urban Strategic
corporations & foundations Investment Corp (MUSIC)
VOLUNTEERS: AARP Foundation Oberlin Student Cooperative
Anon Charitable Trust Association
WWBIC receives in-kind support from a network of Bader Philanthropies
community development
more than 300 individuals, organizations and groups that
donate their time, resources, and expertise to support
Brewers Community
Foundation block grants (cdbg)
Charles D. Jacobus Family City of Kenosha
WWBIC’s clients. Foundation City of LaCrosse
The Evjue Foundation, Inc. City of Madison
Forest County Potawatomi City of Milwaukee
Foundation City of Racine
Greater Milwaukee Committee City of Stoughton
mark your 2019 calendar
Greater Milwaukee Foundation Racine County
Richard & Ethel Herzfeld City of Wauwatosa
Foundation City of West Allis
Herzing University Dane County
Krause Family Foundation Milwaukee County
John J. & Ruth F. Kloss Waukesha County
Feb / Mar March April
Mar / Apr Charitable Trust federal government
Johnson Controls Foundation U.S. Department of Health &
25 - 2 8 1-31- 6
30 Kenosha Community
Foundation
M&I Foundation
Human Services
U.S. Department of Agriculture
U.S. Small Business
america saves international national
money smart Madison Gas and Electric Administration (SBA)
week women's day volunteer
weekmonth George & Julie Mosher
Family Foundation
U.S. Department of the
Treasury
Racine Community Foundation
Waukesha County Community state of wisconsin
Wisconsin Department of
April May May Foundation
Wisconsin Energy Foundation Workforce Development
1 - 31
Wisconsin Economic
1 - 30 5 - 11
Women & Girls Fund of
Waukesha County Development Corporation
Joseph & Vera Zilber Family Wisconsin Housing &
Economic Development
national national small national small Foundation
individual loan funds Authority (WHEDA)
volunteer month business week business month
Impact Revolving Loan Fund
Rosenberg Opportunity Fund
Southeast Wisconsin
Sustainable Food Fund
10follow us on
social media
Stay tuned May 5th - 11th during
National Small Business Week.
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