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20 15 Resource Guide for Small BusinessU.S. Small Business Administration • Pittsburgh SBA Resource Partners: Making the Network Work for You page 8 PAGE 10 Counseling PAGE 20 Capital PAGE 38 Contracting
content
SMALL BUSINESS R
Publishing eni
Publishers of Small Business Resource
Advertising
Phone: 863-294-2812 • 800-274-2812
Fax: 863-299-3909 • www.sbaguides.com
Staff
President/CEO
2015 PITTSBURGH Joe Jensen jjensen@reni.net
FEATURES 31 Small Business Innovation
English/Spanish Small Business Resource
Advertising
Nicky Roberts nroberts@reni.net
4 Introduction Research Program Martha Theriault mtheriault@reni.net
4 Administrator’s Message 32 Small Business Technology Kenna Rogers krogers@reni.net
5 Regional Administrator’s Transfer Program
Message 34 SBA Loan Program Chart Production
6 District Director’s Message 36 SBA Lenders Program Chart Diane Traylor dtraylor@reni.net
8 Feature Article 38Contracting SBA’s Marketing Office:
Making the Most of SBA’s Applying for Government The Small Business Resource Guide is published
Resource Partner Network Contracts under the direction of SBA’s Office of Marketing and
Customer Service.
38 How Government Contracting
10
Counseling
Works
39 SBA Contracting Programs
Director of Marketing
Getting Help to Start Up, Market Paula Panissidi
42 Getting Started in Contracting paula.panissidi@sba.gov
and Manage Your Business
10
14
SBA Resource Partners
SBA’s Learning Center
43
Disaster Assistance Graphic Design
Knowing the Types of Assistance Gary Shellehamer
16 Reaching Underserved
Available for Recovery gary.shellehamer@sba.gov
Communities
18 Are You Right for Small
Business Ownership?
45
Advocacy and Ombudsman SBA’s participation in this publication is not an
Watching Out for Small Business endorsement of the views, opinions, products or
19 Writing a Business Plan services of the contractor or any advertiser or other
Interests
participant appearing herein. All SBA programs
20
Capital 46Additional Resources
and services are extended to the public on a
nondiscriminatory basis.
Financing Options to Start or Taking Care of Start Up Logistics Printed in the United States of America
Grow Your Business 49 Business Organization:
20 SBA Business Loans Choosing your Structure While every reasonable effort has been made
22 What to Take to the Lender to ensure that the information contained herein
is accurate as of the date of publication, the
30 Surety Bond Guarantee
Program
50 Other Assistance information is subject to change without notice.
The contractor that publishes this guide, the federal
government, or agents thereof shall not be held
31 Small Business Investment
Company Program
56 Lender Listing liable for any damages arising from the use of
or reliance on the information contained in this
publication.
SBA Publication # MCS-0018
This publication is provided under SBA Contract
On the Cover: Early SBA-Backed # SBAHQ05C0014.
investment and business advice sets
Brandywine Valley Fashionistas, Amy
Trelenberg and Megan Healty, up to take
the fashion world by storm. See story on
the inside back cover.
Visit us online: www.sba.gov Pittsburgh Small Business Resource — 3
The U.S. Small Business Administration
F R O M T HE ADM I NI STRATOR
Let’s Work Together
When I took my One of our resource partners is SCORE
oath as the new –For the Life of Your Business-, who
SBA Administrator marks its 50th anniversary this year.
I was energized to SCORE’s 11,000+ volunteer mentors
work on behalf of are both working and retired business
entrepreneurs like you. I know you’ve professionals who are dedicated to
risked so much to start and grow your providing you with game-changing
small business, because I’ve stood in advice and support. You can learn more
your shoes. I’ve started three small about SCORE and our other resource
businesses of my own, including a partners, Small Business Development
community business bank that provided Centers (SBDC) and Womens Business
capital to other small businesses. This Centers (WBC) in the Counseling section
not only strengthened my knowledge of this guide. Our feature article also
of the challenges you face, it also provides information about leveraging
strengthened my resolve to help you our resource partner network at different
overcome those hurdles and succeed. points in your small business journey
and shares success stories of small
When I started my first business almost businesses like you who have benefitted
20 years ago, I experienced similar from SBA resource partner support. To
changes to the ones you face today. On find the location of your nearest SBA
any given day, I could be called upon District Office or resource partner, visit
to be my company’s human resources www.sba.gov/tools/local-assistance.
director, CFO, COO, or chief sales officer
— all while competing against larger At the SBA, taking care of business has
firms in highly competitive markets. I been our business for 61 years. This
know you multitask your way through agency has been an important force in
similar days to grow your business and America’s economic recovery, but we’re
provide good jobs for your employees. only getting started. We look forward
to helping you become the next great
My message to you is a simple one: American success story.
The SBA is here for you, to help you
access capital, counseling, contracts, Sincerely,
or assistance after a natural disaster.
We have dedicated resource partners
in every community in America whose
job is to make your job easier. They will Maria Contreras-Sweet
work with you one-on-one to answer Administrator
your questions, and they will help U.S. Small Business Administration
you open new doors to new business
opportunities.
4 — Pittsburgh Small Business Resource Visit us online: www.sba.gov
The U.S. Small Business Administration
FROM THE REGIONAL ADMINISTRATOR
This Resource Guide is credit scoring and SBA One will incent
one of many tools we offer more banks to partner with us to promote
entrepreneurs to help underserved lending, generate more loans in
start or grow businesses. general, and ignite economic activity.
The U.S. Small Business
Administration is here to President Obama’s decision to reestablish
help these entrepreneurs diplomatic relations with Cuba and ease
navigate business some commercial and travel restrictions is a
opportunities and continue to be the backbone step toward increased freedom and economic
of our nation by creating jobs, and fueling our opportunity. American businesses, small and
continuing economic recovery. large, stand to gain access to an important new
market for goods and services just miles from
To accomplish this goal, we must continue our shores. SBA will be there to help with
our work to modernize the SBA, so that capital access and trade opportunities.
we’re accessible and relevant to the business
community in the 21st century. Some of what Last year, the SBA shattered its record for
you’re seeing in 2015 includes LINC, SBA export finance, supporting $2.8 billion in export
One, and a more intensive push to get small sales. It is clear we can do even more to help
businesses reaching into international markets. our smaller firms reach the 95 percent of global
consumers who live outside of our borders.
LINC (Leveraging Information & Networks For starters, we guarantee 90 percent of export
to access Capital) is a new online referral loans (working capital, line of credit, or fixed-
tool connecting small business borrowers asset financing) on amounts up to $5 million.
with nonprofit lenders from the Microloan, We also have an expedited approval process on
Community Advantage (CA), & 504 Programs export loans under a half-million dollars.
Prospective borrowers complete an online The Administration recognizes entrepreneurs
questionnaire, which is then forwarded to all and small business owners as the true engines
LINC lenders operating within a particular of our economy. Their adaptability and
county. Those lenders decide then to either opt innovativeness, while creating jobs and civic
in, or opt out of further loan discussions with stability, are what makes this country great.
the applicant. Answers come within 48 hours, The SBA is your resource to make your
rather than weeks of pounding on pavement business dream a reality. Visit our website, call,
and knocking on doors. or visit our local district offices to get started!
SBA One takes everything online and presents Best Wishes,
businesses to financial institutions through
the Internet. It automates the uploading of Natalia Olson-Urtecho
documents and generation of forms and allows Regional Administrator
for electronic signatures. U.S. Small Business Administration,
Mid-Atlantic (Region III)
On each 7A loan it will save banks hours of
processing time and, of course, money. The
combination of the recently instituted predictive
Visit us online: www.sba.gov Pittsburgh Small Business Resource — 5
Message From The District Director
“If you’re Interested in Pursuing the American Dream of
Small Business Ownership, call us; We’re Smart, Bold,
Accessible and Ready to Help You Today.”
W
elcome to the U.S. Small At some time, all business owners will need capital to
Business Administration (SBA) either start or grow their business. At the SBA; we’ve got
Pittsburgh District Office annual loans that range from a few thousand to a few million
resource guide. I’m assuming you dollars. Our guaranteed loan programs are supported
picked up this magazine because by most financial institutions, who will work with you to
you’re interested in pursuing the American dream – process the necessary paperwork to support your cash
owning your own business. That’s why I’m elated to work flow needs. Last year in the Pittsburgh district, 594 loans
for the SBA, a federal agency tasked with the mission of were awarded with more than $127 million pumped into
helping people follow their business dreams. the economy. For descriptions of our loan programs,
please turn to the Capital tab; our local SBA participating
I may be the SBA Pittsburgh district director, but, at lenders are listed on the last pages of this guide.
heart, I’m an entrepreneur. My father owned a small
business since I was a teenager and my husband and I And lastly, if you’ve owned your business for more than
have owned a few businesses over the years. two years, you might want to consider our contracting
programs, as the federal government is the largest
My father had no assistance when he set up his auto and purchaser of goods and services in the world. We have
truck repair shop. I wish he had known about the SBA Women-Owned Small Business and Service-Disabled
and the programs available to small business owners Veteran-Owned Small Business contracting programs
and aspiring entrepreneurs. And, that’s why this guide is coupled with our 8(a) and HUBZone Programs. The
printed, to point out assistance to individuals wishing to 8(a) and HUBZone Programs are designed to help
turn their ideas from blueprint to fruition or for current grow businesses by assisting socially and economically
business owners to looking diversify their entities via disadvantaged individuals and those located in historically
exporting or contracting. underutilized business zones.
This guide is divided into the agency’s three C’s: Now, that I’ve explained the basics, I welcome you to
counseling, capital access and contracting. contact my staff of specialists who are here to help you
to start, grow and succeed in small business ownership.
Did you know that you can receive free and confidential We’re smart, bold and accessible and we’re ready to help
counseling form the SBA’s network of resource partners? you today.
In Pittsburgh, we’re home to eight Small Business
Development Centers (SBDC), one Women’s Business All the Best,
Center (WBC) and six SCORE (Counselors to America’s
Small Business) chapters, which span 27 counties. To find
out which of our resource partners service your area, look Kelly Hunt
under the Counseling tab.
District Director of
SBA’s Pittsburgh District Office
6 — Pittsburgh Small Business Resource Visit us online: www.sba.gov
Doing Business in Pittsburgh
PITTSBURGH
SBA Staff Listing
www.sba.gov
412-395-6560
District Director Lender Relations Specialist/
Kelly Hunt District International Trade
Ext. 106 Officer
kelly.hunt@sba.gov Mark Protch
Ext. 111
Deputy District Director mark.protch@sba.gov
Terri L. Billups
Ext. 113 Business Opportunity
terri.billups@sba.gov Specialist
Judith Kirby
Lead Economic Ext. 123
Development Specialist judith.kirby@sba.gov
Regina Abel
Ext. 119 Business Opportunity
regina.abel@sba.gov Specialist
THE PITTSBURGH DISTRICT OFFICE Assistance to businesses owned and Marisa L. Fentzel
The Pittsburgh District Office is controlled by socially and economically Economic Development Ext. 109
responsible for the delivery of SBA’s disadvantaged individuals is provided Specialist marisa.fentzel@sba.gov
many programs and services in through the Business Development Karan L. Waigand
Western Pennsylvania under the Program. Ext. 127 Administrative Division
karan.waigand@sba.gov Ronald Collett
leadership of District Director Kelly Ext. 107
Hunt. The District Office is located A women’s business ownership
Economic Development ronald.collett@sba.gov
at 411 Seventh Avenue, Suite 1450, representative is available for Specialist
Pittsburgh, PA. Office hours are assistance, please contact Karan Public Affairs Specialist District Support Assistant
from 8:00 AM until 4:30 PM, Monday Waigand at 412-395-6560 ext. 127 or Janet M. Heyl Jonathan Bennett
through Friday. e-mail: karan.waigand@sba.gov. Ext. 103 Ext. 101
janet.heyl@sba.gov jonathan.bennett@sba.gov
Special loan programs are available for
CONTACTING THE PITTSBURGH SCORE-Pittsburgh
businesses involved in international
DISTRICT OFFICE trade, for information on these
Chapter- Counselors to
For program, service or finance initiatives, please contact Mark Protch
America’s Small Business
information, please dial 412-395-6560. Ext. 130
at 412-395-6560 ext. 111 or email:
mark.protch@sba.gov
SERVICES AVAILABLE
Financial assistance for new or existing A veterans representative is available
businesses through guaranteed loans for assistance, please contact Jonathan We Welcome Your
made by area bank and non-bank Bennett at 412-395-6560 ext. 101 or Questions
lenders. e-mail: jonathan.bennett@sba.gov.
Free counseling advice and information For extra copies of this publication or
on starting, better operating or questions please contact:
expanding a small business through
the Counselors to America’s Small Pittsburgh District Office
Business (SCORE), Small Business 411 Seventh Avenue, Suite 1450
Development Centers (SBDC) and Pittsburgh, PA 15219
Women’s Business Centers (WBC).
They also conduct training events Tel: 412-395-6560 Fax: 412-395-6562
throughout the district - some require a
nominal registration fee. Website: www.sba.gov
Visit us online: www.sba.gov Pittsburgh Small Business Resource — 7
Making the Most of SBA’s
Resource Partner Network by Paula Panissidi, SBA’s Director of Marketing
As you’ve likely read the Counseling Section of this business owner Janell Farnsworth reached out to
resource guide, you already know that SBA couldn’t the Washington WBC and the Veterans Business
serve every aspiring entrepreneur and small business Outreach Center (VBOC) in Seattle. These two
owner without the assistance of our resource partners. SBA resource partners are co-located, which made
With approximately 86 SBA District and Branch it easy for Farnsworth to go back and forth between
Offices throughout the country and its territories, the two, depending on her immediate need. After
our vast network of resource partners expands our receiving free counseling and low-cost classes to
outreach capacity twentyfold. In fiscal year 2013, help her target her efforts in getting the market up
those efforts helped small businesses get more than and running, the 1,200 square-foot shop opened its
$4.5 billion in capital infusion, start over 15,000 new doors in 2009. Earning top-line revenue and profits
companies, and create and/or save more than 68,000 each successive year, Farnsworth considered opening
jobs. a second location and reached out again to the
WBC, who helped her develop a business expansion
SBA’s resource partner network is comprised of plan. She then attended classes at both the WBC
SCORE, Small Business Development Centers (SBDC) and VBOC to learn about such issues as managing
and Women Business Centers (WBC). In addition, employees, pricing to drive revenue, the benefits of
16 organizations serve as Veterans Business Outreach trademarking, and changing a business structure from
Centers through cooperative agreements with SBA’s sole proprietorship to LLC/Corp. Her second location
FEATURE
Office of Veterans Business Development. Although opened in December, 2013.
each resource partner operates differently, they are all
available to assist you with your small business and Janell’s Gluten-Free Market serves a community of
entrepreneurship needs. Some resource partners have shoppers who otherwise would have little or no
specific areas of expertise or cater to certain audiences, available alternatives. When Farnsworth encourages
but all provide outstanding individual consulting, other entrepreneurs to take advantage of SBA’s
training, counseling and entrepreneurial education. resources, the Army captain with 20 years of service
emphasizes the value of the classes offered by the SBA
We all need different things at different points in our and its resource partners, which guided her business
lives, and so, too, it is with a small business. This decisions and helped her to develop a well-grounded
is why many of the small business success stories business plan.
we profile are “repeat customers” of SBA and our
resource partner network. They may work with an In closing, we would like to take a moment to
SBDC for a business plan during their start up, attend recognize a major milestone for one of our resource
a training course or educational series at a WBC, and partners. This year, SCORE celebrates its 50th
seek mentorship assistance from a retired business anniversary. Since 1964, SCORE volunteers have
owner at SCORE many years later. At any point provided mentoring and training support to more than
in between, they may have worked with their local 10 million entrepreneurs and small business owners.
SBA district office or resource partner to apply for an That’s a number to be proud of, and SBA salutes
SBA-guaranteed loan or a small business government SCORE and it mentors for their significant support
contracting program. Each small business owner has and contributions to the success of this nation’s
his or her small business journey, and SBA and its entrepreneurs.
resource partners are available to help along the way.
To find the location of your nearest SBA District Office,
Take the story of Janell’s Gluten-Free Market in Everett, SCORE, SBDC, or WBC, visit www.sba.gov/tools/local-
Washington, for example. Instead of jumping head assistance.
first into the business without any prior experience,
8 — Pittsburgh Small Business Resource Visit us online: www.sba.gov
SUCCESS
S T O R Y Former Banker’s Flair for Fashion Casts her
as the Mon Valley’s “It Girl” of Vogue
Prima Diva Boutique owner goes Today, Troup routinely travels to Atlanta
from unemployed to successful where she strives to find unique fashion
and jewelry at affordable prices.
small business owner
“It’s so exciting to buy merchandise
resources and provide a vast array of and see first-hand the reactions to my
technical assistance to small businesses collection, because the more excited my
and aspiring entrepreneurs. The SBDC customers get, the more excited I get,”
program remains one of the nation’s she said. “After I lost my job, I never
largest small business assistance thought I would be in this position.”
programs backed by the SBA.
She stressed that her rise to the town’s
“Locally, we have eight SBDCs and one most formidable fashionista took years.
WBC,” said SBA Pittsburgh District “I made a profit the first year, but, it was
Director Kelly Hunt. “And the best part nothing to squeal about,” she stated.
is the majority of services are either “As a business owner, you have to be
low-cost or free and counseling is prepared to work long hours for very
CHARLEROI, PA – Daneen Troup has a little money.”
confidential.”
thing for bling – that flashy, ostentatious
jewelry. Apparently, so do many other Troup added, aspiring entrepreneurs
Prima Diva Boutique is so successful
shoppers in Western Pennsylvania’s need to take advantage of the many
that within four years, Troup went from
Mon Valley. free and available resources, such as
selling consignment items on a part-time
basis to showcasing her fashion finds SBDC counseling and entrepreneurial
Troup credits her flair for finding shiny workshops offered throughout the SBA
from buying trips in a large, corner
and stylish pieces coupled with the Pittsburgh District Office footprint.
storefront – more than doubling her
support of Charleroi residents and the
retail space and customers. In fact, sales
U.S. Small Business Administration According to Hunt, Troup’s story
are up a whopping 80 percent from last
(SBA) with transforming her from may sound quite amazing, but many
year.
unemployed to a savvy, successful small successful small business owners have
business owner. shared her ups and downs.
But, like many small business owners,
Troup’s success today, as proprietress of
“When I lost my bank job as a market “It’s not uncommon for entrepreneurs
the trendy accessory and clothing shop
sales coordinator, I cried. Then I to work two jobs and take no salary
belies her humble beginnings.
went to work part-time at our local for many years, Hunt added. “But
chamber, which was promoting the the fruits of their efforts often are the
“I opened my doors during the awful
vacant downtown store fronts,” Troup cornerstone of community pride and
snowstorm of 2010, splitting my time
explained. “I guess losing my job gave future development creating a vibrant
between the store and the chamber,” she
me the chance to do what I wanted to Main Street with shops offering unique
explained. “The chamber really helped
do, which was to open a retail shop.” products and unparalleled customer
me get the consignment clothes and
customers; we sent out postcards and service.
Troup utilized the University of
utilized social media allowing me to pay
Pittsburgh Small Business Development Today, Prima Diva is placing customers
my bills that first month.”
Center (SBDC) to formulate a business on a waiting list for its hip sweaters and
plan for a clothing store, which she the signature sequined scarves have
Troup scoured thrift stores for furniture
dubbed Prima Diva Boutique. sold out. “The town is my greatest asset.
and fixtures painting them a sleek black.
She ventured into purchasing with a I don’t pay for advertising because
The SBDCs and Women’s Business everyone tells their friends ‘you’ve got to
collection of large and decorative purses
Centers (WBC) are made up of a unique shop at Prima Diva.’”
and jewelry – which her customers
collaboration of the SBA, state and
seemed to love. “That’s when I realized
local governments and private sector
my niche,” she said.
Visit us online: www.sba.gov Pittsburgh Small Business Resource — 9
COUNSELING
Getting Help to Start, Market and Manage Your Business
Found in more than 350 chapters
and 800 locations throughout the
country, SCORE provides key services
COUNSELING
– both face-to-face and online – to busy
entrepreneurs who are just getting
started or are in need of a seasoned
business professional as a sounding
board for their existing business. As
members of your community, SCORE
mentors understand local business
licensing rules, economic conditions and
important business networks. SCORE
can help you as they have done for
many entreprenurs through the years
by:
• Matching your specific needs with a
business mentor
• Traveling to your place of business
for an on-site evaluation
E
very year, the U.S. Small 110 Womens’ Business Centers and 350 • Teaming with several SCORE
Business Administration SCORE chapters. These professionals mentors to provide you with tailored
and its nationwide network can help with writing a formal business assistance in a number of business
of resource partners help plan, locating sources of financial areas
millions of potential and assistance, managing and expanding Across the country, SCORE offers
existing small business owners start, your business, finding opportunities more than 10,000 local business
grow and succeed. to sell your goods or services to the educational workshops and seminars
Whether your target market is global government, and recovering from ranging in topic and scope depending
or just your neighborhood, the SBA and disaster. To find your local district office on the needs of the local business
its resource partners can help at every or SBA resource partner, visit community. SCORE workshops cover
stage of turning your entrepreneurial www.sba.gov/tools/local-assistance. all manner of business topics, including:
dream into a thriving business. an introduction to the fundamentals of
If you’re just starting out, the SBA SCORE a business plan, managing cash flow
and marketing your business. For
and its resources can help you with SCORE is a national network of more
business and financing plans. If you’re established businesses, SCORE offers
than 11,000 entrepreneurs, business more in-depth training in areas like
already in business, you can use leaders and executives who volunteer as
the SBA’s resources to help manage customer service, hiring practices and
mentors to America’s small businesses. home-based businesses.
and expand your business, obtain SCORE volunteers donated more than
government contracts, recover from For around-the-clock business advice
1.1 million hours providing services and information on the latest business
disaster, find foreign markets, and to small business clients. SCORE
make your voice heard in the federal news and trends visit www.sba.gov/tools/
leverages decades of experience from
government. local-assistance/score or call 800-634-
seasoned business professionals to
You can access SBA information at 0245 for the SCORE office nearest you.
help entrepreneurs to start and grow
www.sba.gov or visit one of our local More than 1,200 online mentors with
companies and to create jobs in local
offices for assistance. over 150 business skill sets answer your
communities. SCORE does this by
questions about starting and running a
harnessing the passion and knowledge
SBA’S RESOURCE of individuals who have owned and
business.
For more information on SCORE and
PARTNERS managed their own businesses and
want to share this “real world” expertise
to get your own business mentor, visit
In addition to our district offices, with you. www.SCORE.org.
which serve every state and territory,
the SBA works with a variety of local
resource partners to meet your small • You get to be your own boss.
business needs: SCORE chapters,
Small Business Development Centers ON THE UPSIDE • Hard work and long hours directly benefit you,
(SBDCs), and Women’s Business rather than increasing profits for someone else.
Centers (WBCs). This partner It’s true, there are a lot of
network reaches into communities reasons not to start your • Earnings and growth potential are unlimited.
across America: More than 13,000 own business. But for the
business counselors, mentors and right person, the advantages • Running a business will provide endless
trainers available through over 900 of business ownership far variety, challenge and opportunities to learn.
Small Business Development Centers, outweigh the risks.
10 — Pittsburgh Small Business Resource Visit us online: www.sba.gov1. Clarion University SBDC
2. Duquesne University SBDC
3. Gannon University SBDC
4. Indiana University of PA SBDC
5. Penn State University SBDC
COUNSELING
6. Saint Francis University SBDC
7. Saint Vincent College SBDC
8. University of Pittsburgh SBDC
9. Alleghenies SCORE Chapter
10. Central Pennsylvania SCORE Chapter
11. Erie SCORE Chapter
12. Pittsburgh SCORE Chapter
13. Southwestern Pennsylvania SCORE
Chapter
14. Westmoreland County SCORE Chapter
15. Seton Hill University’s E-Magnify®
Women’s Business Center
Alleghenies SCORE Chapter 575 SMALL BUSINESS • Assisted more than 14,200
entrepreneurs to start new
DEVELOPMENT CENTERS
Devorris Center for Business Development
3900 Industrial Park Dr., Ste. 6 businesses – equating to nearly 39
Altoona, PA 16602 The U.S. Small Business new business starts per day.
814-942-9054 • 814-569-1146 Fax Administration’s Small Business • Provided counseling services to
www.alleghenies.score.org Development Centers (SBDC) mission more than 104,000 emerging
is to build, sustain, and grow small entrepreneurs and over 96,000
Central Pennsylvania SCORE Chapter 618 businesses; as well as to promote small existing businesses.
Industry and Technology Center business development and enhance local
2820 E. College Ave., Ste. E
• Provided training services to
economies by creating businesses and approximately 330,000 clients.
State College, PA 16801 fulfilling its mission of creating jobs.
814-234-9415 or 877-938-4988 Toll Free The efficacy of the SBDC program
The Small Business Development has been validated by a nationwide
www.scorecpa.org
Centers, vital to SBA’s entrepreneurial impact study. Of the clients surveyed,
Erie SCORE Chapter 193 outreach, have been providing service more than 80 percent reported that the
120 W. Ninth St. to small businesses for almost 35 years. business assistance they received from
Erie, PA 16501 It is one of the largest professional the SBDC counselor was worthwhile.
814-871-5650 • 814-871-7530 Fax small business management and The top five impacts of counseling
http://erie.score.org/ technical assistance networks in the cited by SBDC clients were revising
nation. With over 900 locations across
marketing strategy, increasing sales,
Pittsburgh SCORE Chapter 7 the country, SBDCs offer existing and
expanding products and services,
411 Seventh Ave., Ste. 1450 future entrepreneurs free one-on-one
improving cash flow and increasing
Pittsburgh, PA 15219 expert business counseling and low-cost
training by qualified small business profit margin. More than 40 percent of
412-395-6560 ext.130/131
412-395-6562 Fax professionals. long-term clients receiving five hours or
www.scorepittsburgh.com In addition to its core services, more of counseling reported an increase
the SBDCs offer special focus areas in sales and profit margins.
Southwestern Pennsylvania SCORE such as green business technology, For information on the SBDC
104 N. Beeson Ave. disaster recovery and preparedness, program, visit www.sba.gov/sbdc.
Uniontown, PA 15401 export assistance, international trade
724-437-4222 • 724-437-5922 Fax
Western PA SBDC centers are listed
assistance, veteran’s assistance, below:
www.southwesternpennsylvania.score.org technology transfer and regulatory
compliance. Clarion University SBDC
Westmoreland SCORE Chapter 555 The program combines a unique 330 N. Point Dr., Ste. 100
Saint Vincent College, Aurelius Hall combination of federal, state and private Clarion, PA 16214
300 Fraser Purchase Rd. Dr. Kevin J. Roth, Director
sector resources to provide, in every
Latrobe, PA 15650 814-393-2060 • 814-393-2636 Fax
state and territory, the foundation
724-539-7505 • 724-539-1850 Fax kroth@clarion.edu
www.westmoreland.score.org for the economic growth of small
businesses. The return on investment is www.clarion.edu/sbdc/
Counties: McKean, Cameron, Elk, Forest,
demonstrated by the program’s success
Clarion, Armstrong, Jefferson,
during FY2013. Clearfield, Venango and Potter.
Visit us online: www.sba.gov Pittsburgh Small Business Resource — 11Duquesne University SBDC U.S. Export Assistance Centers on a 2010 Impact Study, of the WBC
108 Rockwell Hall, 600 Forbes Ave. SBA trade finance specialists are clients that have received three or
Pittsburgh, PA 15282 located in 19 U.S. Export Assistance more hours of counseling, 15 percent
Dr. Mary McKinney, Director Centers throughout the U.S., which indicated that the services led to hiring
412-396-6233 • 412-396-5884 Fax new staff, 34 percent indicated that
also are staffed by U.S. Department
mckinney@duq.edu the services led to an increased profit
www.sbdc.duq.edu
of Commerce and, in some locations,
Export-Import Bank of the U.S. margin, and 47 percent indicated that
Counties: Allegheny, Beaver, Butler and the services led to an increase in sales.
Lawrence. personnel, providing trade promotion
COUNSELING
and export-finance assistance in a In addition, the WBC program has
Gannon University SBDC single location. The USEACs also taken a lead in preparing women
Center for Business Ingenuity work closely with other federal, business owners to apply for the
900 State St., Ste. 100 state and local international trade Women-Owned Small Business
Erie, PA 16501 organizations to provide assistance to (WOSB) Federal Contract program
Margaret Horne, Director small businesses. To find your nearest that authorizes contracting officers to
814-871-7713 • 814-871-7383 Fax USEAC, visit: http://www.sba.gov/content/ set aside certain federal contracts for
Horne001@gannon.edu us-export-assistance-centers. You can eligible women-owned small businesses
www.sbdcgannon.org find additional export training and or economically disadvantaged women-
Counties: Erie, Crawford, Mercer and Warren. counseling opportunities by contacting owned small businesses. For more
your local SBA district office. information on the program, visit
Indiana University of Pennsylvania SBDC www.sba.gov/wosb.
108 Eberly College of Business and To find the nearest SBA WBC, visit
Information Technology
Indiana, PA 15705
WOMEN’S BUSINESS CENTERS www.sba.gov/women.
Tony Palamone, Director The SBA’s Women Business Center
724-357-7915 • 724-357-5985 Fax (WBC) program is a network of over 100 Western PA Women’s Business Center:
iup-sbdc@iup.edu community-based centers that provide
www.iup.edu/business/sbdc business training, counseling, coaching, Seton Hill University E-Magnify
One Seton Hill Dr.
Counties: Indiana mentoring and other assistance geared
Greensburg, PA 15601-1599
toward women, particularly those Jayne H. Huston, Director
Penn State University SBDC who are socially and economically
The Pennsylvania State University 724-830-4625 • 724-834-7131 Fax
disadvantaged. WBCs are located in info@e-magnify.com
200 Innovation Blvd. nearly every state and U.S. territory
119 Technology Center www.e-magnify.com
including the District of Columbia Counties: 27 Western PA counties
University Park, PA 16802
Heather Fennessey, Director and the territories of Puerto Rico and
American Samoa. They are partially
814-863-4293 • 814-865-6667 Fax
heatherf@psu.edu funded through a cooperative agreement SBA EMERGING LEADERS
www.sbdc.psu.edu with the SBA. The intense seven-month
Counties: Centre and Mifflin To meet the needs of women entrepreneurship training for small
entrepreneurs, WBCs offer services business leaders creates a learning
Saint Francis University SBDC at convenient times and locations, environment to accelerate the growth
117 Evergreen Dr. including evenings and weekends. of high-potential small businesses,
Loretto, PA 15940 WBCs are located within non-profit host stimulates job creation and helps drive
Ed Huttenhower, Director organizations that offer a wide variety economic development within their
814-472-3200 • 814-472-3202 Fax of services in addition to the services communities. A competitive selection
ehuttenhower@francis.edu provided by the WBC. Many of the process results in company executives
www.francis.edu/sbdc/ WBCs also offer training and counseling participating in high-level training
Counties: Cambria, Blair, Somerset, Bedford,
and provide materials in different and peer-networking sessions led by
Huntingdon and Fulton.
languages in order to meet the diverse professional instructors. Graduates
Saint Vincent College SBDC needs of the communities they serve. are poised to create an economic ripple
300 Fraser Purchase Rd., Aurelius Hall WBCs often deliver their services effect because they are now equipped
Latrobe, PA 15650 through long-term training or group with the support, resources and
James Kunkel, Director counseling, both of which have shown to enhanced business skills to succeed
724-537-4572 be effective. WBC training courses are in increasing their revenue, creating
james.kunkel@stvincent.edu often free or are offered for a small fee. jobs and driving sustainable economic
www.stvincent.edu/sbdc Some centers will also offer scholarships growth throughout their communities.
Counties: Westmoreland and Fayette. based on the client’s needs. Impact of Emerging Leaders:
While most WBCs are physically The initiative is currently offered in
University of Pittsburgh SBDC located in one designated location, a 27 underserved communities across
Wesley W. Posvar Hall, Ste. 1800 number of WBCs also provide courses the country with plans to expand
230 S. Bouquet St. to more communities in 2015. Over
and counseling via the Internet, mobile
Pittsburgh, PA 15260
Ray Vargo, Director classrooms and satellite locations. 2,500 businesses have participated in
412-648-1542 • 412-648-1636 Fax WBCs have a track record of success. Emerging Leaders since its inception.
rvargo@innovation.pitt.edu In fiscal year 2013, the WBC program An independent impact study of
www.entrepreneur.pitt.edu/institute-centers/ counseled and trained nearly 134,000 Emerging Leaders past participants
small-business-development-center clients, creating local economic growth reported that they:
Counties: Allegheny, Greene and and vitality. In addition, WBCs helped • Created nearly 2,000 new full-time
Washington. entrepreneurs access more than jobs
$25 million dollars in capital. Based
12 — Pittsburgh Small Business Resource Visit us online: www.sba.gov• Secured federal, state, local and assistance, our Clusters help small Small Business Development Centers
tribal contracts awards over business innovators commercialize (SBDCs) are available to provide
$1 Billion promising technologies needed by you with confidential assistance for
• Accessed over $73 Million in new government and industry buyers understanding your environmental
financing in that particular sector. And then, compliance requirements.
• 95% were satisfied with the through showcasing, networking The EMAP services include free
Emerging Leaders program. and “demonstration events,” they and confidential assistance with
Visit www.sba.gov/emergingleaders for help get these small businesses and identifying and understanding
their products in front of investment environmental permit and compliance
COUNSELING
more information.
and other funding sources, research requirements; liaison to regulatory
institutions and customers/buyers in
SBA’S LEARNING CENTER
enforcement agencies; links to
order to bring products to market. additional sources of technical and
SBA’s Learning Center is a virtual Across the country, our resource financial assistance; on-site pollution
partners work with our Regional prevention and energy efficiency
campus complete with free online
Innovation Clusters: The resource assessments; and environmental
courses, workshops, podcasts and partners provide the businesses with
learning tools. training workshops. Work with the
information and coaching on the key SBDCs to look for ways to meet
Key Features of the SBA’s Learning building blocks of business success,
Center: your environmental compliance
while the Cluster experts help them requirements and improve
• Training is available anytime and with the highly technical product
anywhere — all you need is a profitability. SBDC environmental
development and relationship-building staff will help you look for ways to
computer (or mobile device) with assistance necessary to get and keep
Internet access. minimize waste, prevent pollution,
customers and investors in their and improve energy efficiency to
• Nearly 50 free online and particular market sector (such as
interactive courses and workshops reduce operating expenses.
smart-grid, fuel cell energy storage,
available. The SBDCs also provide a state-
solar cells, imaging, aerospace, and
• Checklists and worksheets to get wide on-line service, the Pennsylvania
agricultural processing technologies
your business planning underway. Material Trader, to promote the
and networks).
• Course topics include how to write For more information on SBA’s exchange of reusable materials which
a business plan, financing options Cluster Initiative, go to have traditionally been discarded.
that include SBA lending programs, www.sba.gov/clusters. Using Material Trader, www.
mastering overseas markets materialtrader.org, businesses can
potentially save money on their
FINANCIAL LITERACY
through exporting, public sector
procurement tactics, and specialty disposal costs and find new free or
material for veterans, young If you want to start a business or inexpensive sources or raw materials
entrepreneurs, and women business learn how to better manage your to reduce production costs. The service
owners. business money, begin with Money is free and available to any business
• Over 10 new courses launched Smart. SBA and FDIC jointly provide or organization.
in the last year; including a new an instructor-led business training Additional information can be found
Spanish-language version of a curriculum, Money Smart for Small at the Pennsylvania SBDC’s website
course for Young Entrepreneurs. Business, for free. This curriculum at: http://pasbdc.org.
This robust portal also includes is designed to provide introductory-
video content, templates, and style training for new and aspiring Advocates of Small Businesses
articles. entrepreneurs. The 10 modules There are nonprofit organizations
Visit www.sba.gov/learning for these provide the most essential information that were developed to represent,
free resources. on running a small business from a advocate, and work on behalf of
financial standpoint. In addition to small businesses, such as: National
SBA’S CLUSTER INITIATIVE grounding participants in the basics, Association of Development
the curriculum serves as a foundation Companies.
Every small business must for more advanced training and The National Association of
effectively connect into the key technical assistance. You can find this Development Companies (NADCO)
relationships necessary to drive curriculum by visiting is a trade association of Certified
success in its particular industry or www.sba.gov/moneysmart. Development Companies (CDCs) –
market sector. Regional Innovation To learn more about the Financial companies that have been certified by
Clusters act as a networking hub Literacy and Education Commission, the Small Business Administration to
to connect small businesses in visit www.mymoney.gov. provide funding for small businesses
a particular industry sector and under the SBA 504 Loan Program.
geographic region with other business Compliance Assistance and NADCO provides legislative and
innovators in the same sector and
with specialized suppliers, research Strategic Environmental regulatory support for the 504
Management program on behalf of member CDCs
institutions, large prime customers
Don’t let government regulations and other program affiliates.
or contractors and investors who also
manage your business. Smart nadco.org/NADCO/welcome.html
operate in that sector. In addition,
market success requires small management of your environmental
businesses to know their customers concerns not only reduces your National Association of Government
and target their product development regulatory risks, it can help you Guaranteed Lenders, Inc.
dollars efficiently. Therefore, through become more efficient and reduce your The National Association of
intensive, industry-specific technical operating costs. The Pennsylvania Government Guaranteed Lenders,
14 — Pittsburgh Small Business Resource Visit us online: www.sba.govInc. (NAGGL) is the premier source of E-Magnify’s Women’s Business exist nationwide to assist women in
technical information on the SBA 7(a) Center Program starting, growing and expanding their
loan program. The mission of NAGGL In 2006 Seton Hill University’s small businesses.
is to serve the needs and represent the E-Magnify® women’s business Drawing on E-Magnify’s experience
interests of the small business lending center announced new and expanded in providing innovative programming,
community who utilize the SBA’s and programming as a result of being essential resources, and networking
other government guaranteed loan designated as a Women’s Business opportunities to women entrepreneurs,
programs. www.naggl.org Center (WBC) by The U.S. Small and fueled by the funding provided
through The U.S. Small Business
COUNSELING
Business Administration (SBA).
Western Pennsylvania Association Intended for a five year project period, Administration, E-Magnify’s women’s
of SBA Guaranteed Lenders the center was awarded the maximum business center programming helps
WPASGL, the Western Pennsylvania annual allowable grant for a WBC. E-Magnify reach a wider, more
Association of SBA-Guaranteed The only WBC located in Western diverse population serving women
Lenders (the Association), is an Pennsylvania, E-Magnify joins located in rural and remote areas of
organization comprised of U.S. Small forces with the 99 other WBC’s that the state; economically and socially
Business Administration (SBA) bank, disadvantaged populations; and
non-bank lending institutions, and
support organizations that participate
and do business with the Pittsburgh
District office of the SBA in western
Pennsylvania. Member-ship is
limited to individuals employed by
participating lending institutions and
individuals employed by organizations
who provide services to those lending
institutions.
The Association provides its
members numerous benefits including:
1) providing members with current
SBA information,
2) a forum to provide feedback to the
SBA for its programs and policies
and,
3) lender training for SBA products.
This, in turn, benefits small
businesses who work with these
lending institutions that can take
advantage of the SBA’s various
programs to help them grow and
succeed. SBA participating lenders
interested in joining the organization,
please contact WPASGL President
Rebecca MacBlane at 412-471-1030 or
visit the organization at:
www.wpasgl.com.
SMC Business Councils
With offices in Pittsburgh and
Harrisburg, SMC Business Councils
is the premier trade association for
smaller businesses in Pennsylvania.
Since its founding in 1944, SMC has
been furnishing member-companies
with the products, information, and
services they need to compete in the
contemporary business world. As a
nonprofit entity, SMC is organized
and run by business owner/members
and employs a staff of professionals
to provide services critical to the
operation of smaller businesses.
Thousands of companies throughout
Pennsylvania have come together and
benefited under this banner.
www.smc.org.
Visit us online: www.sba.gov Pittsburgh Small Business Resource — 15veterans as well as active duty The WBC program, established by Cambria, Cameron, Centre, Clarion,
military personnel. Congress in 1988, is administered by Clearfield, Crawford, Elk, Erie,
The center will continue its long- the SBA’s Office of Women’s Business Fayette, Forest, Greene, Indiana,
standing commitment to supporting Ownership and promotes the growth Jefferson, Lawrence, McKean,
women entrepreneurs who want to of women-owned businesses through Mercer, Somerset, Venango, Warren,
start, grow, or sustain their businesses business training and technical Washington and Westmoreland.
through: assistance, and provides access to To learn more about the programs
• Counseling and Training credit and capital, federal contracts, and resources women business owners
COUNSELING
• Educational Programming and and international trade opportunities. are able to access through E-Magnify,
Webinars E-Magnify’s service territory please or call 724-830-4625.
• Advocacy Efforts covers the 27 counties in Western
• Networking Opportunities Pennsylvania served by the Pittsburgh
• Mentorship Programs District Office: Allegheny, Armstrong,
• Technical Assistance Beaver, Bedford, Blair, Butler,
REACHING UNDERSERVED COMMUNITIES
The SBA also offers a number of management, and marketing, as well as owner or essential employee is called
programs specifically designed to access to all of the SBA’s financial and to active duty. The Military Reservist
meet the needs of the underserved procurement assistance programs. Economic Injury Disaster Loan Program
communities.. (MREIDL) provides loans up to
WOMEN BUSINESS OWNERS VETERAN BUSINESS OWNERS $2 million to eligible small businesses to
cover operating costs that cannot be met
The Office of Veterans Business due to the loss of an essential employee
Women entrepreneurs are changing Development (OVBD), established
the face of America’s economy. In the called to active duty in the Reserves or
with Public Law 106-50, has taken National Guard.
1970s, women owned less than strides in expanding assistance to
5 percent of the nation’s businesses. Each of the SBA’s 68 District
veteran, service-disabled veteran small Offices also has a designated veteran’s
Today, they are majority owners business owners and reservists by
of about a third of the nation’s small business development officer. These
ensuring they have access to SBA’s full- local points-of-contact assist veteran
businesses and are at least equal range of business/technical assistance
owners of about half of all small small business owners/entrepreneurs
programs and services, and that with starting, managing and growing
businesses. SBA serves women they receive special consideration for
entrepreneurs nationwide through its successful businesses. Yearly, OVBD
SBA’s entrepreneurial programs and reaches thousands of veterans, Reserve
various programs and services, some resources.
of which are designed especially for component members, transitioning
The SBA’s Veterans Office provides service members and others who
women. funding and collaborative assistance for
The SBA’s Office of Women’s are – or who want to become –
a number of special initiatives targeting entrepreneurs and small business
Business Ownership (OWBO) serves local veterans, service-disabled
as an advocate for women-owned owners. In fiscal year 2012, the number
veterans, and Reserve Component of veterans assisted through OVBD
businesses. The office oversees a members. These initiatives include
nationwide network over 100 Women’s programs exceeded 135,000. For more
Veterans Business Outreach Centers information about OVBD, please visit
Business Centers that provide business (VBOCs), the business assistance tools
training, counseling and mentoring www.sba.gov/veterans.
–Balancing Business and Deployment,
geared specifically to women, especially and Getting Veterans Back to Business,
those who are socially and economically which includes interactive CD ROMs NATIONAL BOOTS TO
BUSINESS INITIATIVE
disadvantaged. The program is a for reservists to help prepare for
public-private partnership with locally- mobilization and/or reestablishment
based nonprofits. The aptly named Operation Boots
of businesses upon return from active
Women’s Business Centers serve to Business program (B2B) builds
duty.
a wide variety of geographic areas, on SBA’s role as a national leader
The agency offers special assistance
population densities, and economic in entrepreneurship training. The
for small businesses owned by activated
environments, including urban, program’s mission is to develop veteran
Reserve and National Guard members.
suburban, and rural. Local economies entrepreneurs from the approximately
Any self-employed Reserve or Guard
vary from depressed to thriving, and 250,000 service members who transition
member with an existing SBA loan
range from metropolitan areas to entire from the military each year. Boots
can request from their SBA lender
states. Each Women’s Business Center to Business is an entrepreneurial
or SBA district office loan payment
tailors its services to the needs of its education program offered as an
deferrals, interest rate reductions and
individual community, but all offer a elective track within the Department of
other relief after they receive their
variety of innovative programs, often Defense’s revised Transition Assistance
activation orders. In addition, the
including courses in different languages. Program called Transition Goals,
SBA offers special low-interest-rate
They provide training in finance, Plans, Success (Transition GPS). The
financing to small businesses when an
16 — Pittsburgh Small Business Resource Visit us online: www.sba.govREACHING UNDERSERVED COMMUNITIES
curriculum provides valuable assistance efficient leverage for SBA programs. such as business training, counseling
to transitioning service members Further, the center plays a key role in and mentoring, and referrals for
exploring self-employment opportunities helping identify, engage and impact eligible veterans owning or considering
by leading them through the key steps underserved communities. starting a small business. The SBA
for evaluating business concepts and The program engages in outreach, has 15 organizations participating
COUNSELING
the foundational knowledge required for technical assistance, education, in this cooperative agreement
developing a business plan. Participants formulates and administers training and serving as Veterans Business
are also introduced to SBA resources programs, coordinates entrepreneurial Outreach Centers (VBOC) across the
available to help access start up capital and business development opportunities country. Services provided by VBOC’s
and additional technical assistance. and access to SBA’s 68 district offices include: pre-business plan workshops,
Boots to Business is delivered in and extensive network of resource grant concept assessments, business plan
partnership with SBA resource partners. The center additionally works preparations, comprehensive feasibility
partners and the Institute for Veterans with the White House Office of Faith- analysis, entrepreneurial training and
and Military Families at Syracuse Based and Neighborhood Partnerships counseling, mentorship, and other
University. It is available free of and the Faith-Based and Neighborhood business-development related services.
charge at participating installations to Partnership Centers that are within VBOCs also provide assistance and
service members and their dependents 13 additional federal agencies, and training in such areas as international
transitioning or retiring from the U.S. participates in interagency working trade, franchising, Internet marketing,
military. groups to ensure effective and efficient accounting, etc. For a VBOC directory,
The program has three parts: 1) The coordination of resources and initiatives. please visit www.sba.gov/vets.
Entrepreneurship Track Overview - The center was established by, and SBA also administers two
an introductory video shown during follows the guidelines, operational contracting and business
the mandatory five day Transition policy and statutory requirements of development programs that are
GPS course; 2) Introduction to Executive Order 13279 — Fundamental specifically designed to benefit
Entrepreneurship – a two day classroom Principles and Policymaking Criteria underserved communities. For
course offered as one of the three for Partnerships with Faith-Based and more information on the 8(a)
Transition GPS elective tracks; and, 3) Other Neighborhood Organizations. Business Development Program
Foundations of Entrepreneurship – an and the HUBZone Program, see the
eight week instructor led online course
that offers in-depth instruction on the
NATIVE AMERICAN Contracting section.
elements of a business plan and tips BUSINESS DEVELOPMENT Young Entrepreneurs
and techniques for starting a business. The SBA Office of Native American The SBA recognizes the importance
After completing the course, counselors Affairs (ONAA) ensures that American of fostering young entrepreneurs and
and mentors from SBA’s resource Indians, Alaska Natives and Native small business owners and their role in
partner network remain available Hawaiians seeking to create, develop the economy. The SBA offers different
to work with veterans in their local and expand small businesses have full activities and resources throughout
communities. For more information access to business development and the year aimed at aspiring young
about B2B, please visit expansion tools available through the entrepreneurs, including social media
www.sba.gov/bootstobusiness. agency’s entrepreneurial development, outreach and customized online courses.
lending, and contracting programs. The SBA also works with other federal
CENTER FOR FAITH-BASED AND The office provides a network of
training initiatives that include a
agencies to provide various activities
for this market (www.findyouthinfo.gov).
NEIGHBORHOOD PARTNERSHIPS Native Entrepreneurial Empowerment To find more information, visit
SBA’s Center for Faith-Based and Workshop, a Native American 8(a) www.sba.gov/young.
Neighborhood Partnerships (The Business Development Workshop, a
Partnership Center) works to engage Money Smart Workshop, an Incubator Encore Entrepreneurs
and build strong partnerships with Workshop and the online tool, “Small To help meet the needs of “encore
community and nonprofit organizations, Business Primer: Strategies for entrepreneurs,” SBA and AARP have
both secular and faith-based, to support Growth”. ONAA also is responsible for joined forces to mentor, counsel,
entrepreneurship, economic growth and consulting with tribal governments and educate Americans age 50 and
promote prosperity for all Americans. prior to finalizing SBA policies that may over on how to start or grow a small
The center works in coordination have tribal implications. business. Through this partnership,
with other offices within the Agency Visit www.sba.gov/naa for more SBA and AARP collaborate to connect
to assist in formulating policies and information. the 50+ population to small business
practices with the goal of extending development resources, including online
the reach and impact of SBA programs
into communities. SBA recognizes the
VETERANS BUSINESS courses, live workshops, conferences,
and mentoring activities. For additional
important role of community leaders OUTREACH CENTERS information, visit www.sba.gov/encore.
and networks in economic development The Veterans Business Outreach
at the local and national level, and Program (VBOP) is designed to provide
that partnerships provide effective and entrepreneurial development services
Visit us online: www.sba.gov Pittsburgh Small Business Resource — 17You can also read
